Document:

Agrement to Trustee Services

 EXHIBIT 10.25 
  
 AGREEMENT FOR TRUSTEE SERVICES 
 BETWEEN 
 STATE STREET BANK AND TRUST COMPANY 
 AND 
 STATE STREET BANK AND TRUST
COMPANY OF NEW HAMPSHIRE 
  
 WITNESSETH: 
  
 THIS AGREEMENT FOR TRUSTEE SERVICES (the “Agreement”) is effective
as of the first day of December, 2004, between STATE STREET BANK AND TRUST COMPANY, (“State Street”) and STATE STREET BANK AND TRUST COMPANY OF NEW HAMPSHIRE (the “Trust Company”). 
  
 WHEREAS, State Street has heretofore entered into an Administrative and
Investment Services Agreement with the American Bar Retirement Association (“ABRA”) effective as of the first day of January, 1999, as Amended and Restated November 18, 2002 and as further amended by Amendment No. 1 dated as of December 1,
2004 (“AISA”), pursuant to which State Street is required to perform Trustee Services (as defined in AISA) and Administrative Services (as defined in AISA) for the American Bar Association Members Retirement Program (the
“Program”) and, in particular, to act as trustee of the ABA Members Collective Trust (as defined in AISA); 
  
 WHEREAS, The State Street desires to substitute the Trust Company as trustee of the ABA Members Collective Trust, and the Trust Company desires to become
the trustee of the ABA Members Collective Trust; and 
  
 WHEREAS,
State Street must obtain ABRA’s consent to such substitution as described above. 
  
 NOW, THEREFORE, in consideration of the mutual covenants, representations, warranties and undertakings, and subject to the terms and conditions, hereinafter set forth, the parties hereto hereby agree as follows:

  
 1. Definitions. All capitalized terms used but not
defined herein shall have the respective meanings assigned to such terms by AISA. 
  
 2. Incorporation of AISA By Reference. 
  
 (a) In General. The Trust Company shall comply with, be obligated to perform any services required by and be liable for any violation of any provisions of AISA relating to performance as trustee of the ABA
Members Collective Trust, which are hereby incorporated herein by reference. 

 The provisions of AISA incorporated herein shall be applied by substituting references to the Trust Company for the
references to State Street appearing therein (but only where State Street is referenced in its capacity as trustee of the ABA Members Collective Trust). Notwithstanding the foregoing, (i) any obligations imposed upon ABRA by AISA shall remain
enforceable only by State Street, (ii) the Trust Company shall not be entitled to receive any information or materials from ABRA pursuant to AISA but shall obtain such information solely from State Street; and (iii) except as provided in Section 3
below, the Trust Company shall not be entitled to receive any fees or payments in respect of expenses (including indemnification) from the ABA Members Collective Trust, the Trusts or ABRA for services provided in connection with the Program, but
shall be entitled to payment for such services only from State Street pursuant to Section 3 of this Agreement. In addition, the parties acknowledge that Section 12.07 of AISA prohibits the disclosure by State Street to the Trust Company of Program
Data and Records for purposes other than the Trust Company’s performance of services pursuant to this Agreement, and as incorporated herein by reference, Section 12.07 of AISA prohibits the disclosure of Program Data and Records to other
persons except to the extent necessary for the performance of services for the Program. Furthermore, notwithstanding any provision herein or of AISA to the contrary, no such disclosure shall be made by the Trust Company to any other third party
pursuant to Section 12.07 of AISA as incorporated herein without State Street’s prior consent. Nothing in this Agreement shall be interpreted as interfering with or impairing any rights State Street or the Trust Company may have under any other
contract between such parties, provided however, that if the terms of any other agreement between State Street and the Trust Company conflict or are inconsistent with the terms of this Agreement, the terms of this Agreement
shall control. 
  
 (b) Coordination of Services. To the
extent that pursuant to AISA and this Agreement both State Street and the Trust Company are obligated to perform the same services, the State Street and the Trust Company shall allocate the responsibility for performance between each other in such
manner as shall be in the best interests of the Program, and the performance of services by State Street or the Trust Company, as the case may be, shall excuse the other party from the obligation to perform such services but shall not release such
other party from any liability arising hereunder from the performance of such services, and to the extent that State Street or the Trust Company pays or otherwise satisfies any such liability, the other party shall be relieved thereof.
Notwithstanding the foregoing, the Trust Company shall be solely responsible for serving as trustee of the ABA Members Collective Trust. 
  
 3. Trust Company’s Fees and Expenses. The Trust Company shall be compensated by payment from State Street of such fee in such amount at such
time and in such manner as State Street and the Trust Company shall from time to time agree. To the extent that the Trust Company incurs expenses payable by the ABA Members Collective Trust under Section 13.04(a), the Trust Company shall be entitled
to reimbursement thereof. Notwithstanding the foregoing, no failure by State Street to pay to the Trust Company its fee pursuant to this Section 3 (or pursuant to any other agreement between State Street and the Trust Company) or to reimburse the
Trust Company for any expenses, nor any other dispute, controversy or disagreement among State Street Corporation, the Trust Company, and State Street, or any of them or any of their respective affiliates, whether arising under this Agreement or any
other agreement between them, shall excuse the Trust Company from its obligation to continue to perform, and its liability in respect of, the services required of it pursuant to this Agreement. Nothing in this provision shall excuse the payment by
the Trust Company of fees and expenses 
  

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 due to State Street for use of its employees, systems and administrative services, which fees may be treated as a credit
against the program expense fee payable to the Trust Company hereunder or the payment by State Street of any fees due to the Trust Company in connection with the Program. 
  
 4. Third-Party Beneficiary. The parties hereto acknowledge that this Agreement requires the consent of ABRA, as
evidenced by its execution of an amendment to AISA permitting the State Street to substitute the Trust Company as trustee of the ABA Members Collective Trust, and in consideration of such consent, the parties hereby agree that ABRA shall be a
third-party beneficiary of this Agreement subject to the benefits of and entitled to enforce its provisions to the same extent as if ABRA were a party to this Agreement, including (but not limited to), the power to enforce any provisions of AISA
incorporated herein by reference and entitlement to indemnification from State Street pursuant to the provisions of AISA incorporated herein to the same extent ABRA is entitled to indemnification under AISA. 
  
 5. Termination. This Agreement shall terminate at the same time State
Street ceases to be obligated to perform those Trustee Services set forth in Article 2 of AISA, except the obligations imposed upon the Trust Company by incorporation of Sections 12.06 and 12.07 of AISA shall survive the termination of this
Agreement. 
  
 6. Notices. Section 16.11 of AISA, being
incorporated herein by reference, is modified by the addition of the following information regarding State Street: 
  

	
	 State Street Bank and Trust Company

	 225 Franklin Street

	 Boston, Massachusetts

	 ATTN:

	
	 State Street Bank and Trust Company of New

	 Hampshire

	 20 Trafalgar Square, Suite 449

	 Nashua, New Hampshire 03063

	 ATTN: President

	
	 with copies to

	
	 American Bar Retirement Association

	 541 North - Fairbanks Court

	 Chicago, Illinois 60611-3314

	 ATTN: Executive Director

	 Telecopier: (312) 988-5032

  

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 IN WITNESS WHEREOF, this Agreement has been signed on behalf of the parties on this 1st day of November, 2004 with an effective date as of December 1, 2004. 
  

			
	 STATE STREET BANK AND TRUST COMPANY

		
	 By:
	 	 /s/ Beth Halberstadt

	 Title:
	 	 Vice President

	
	 STATE STREET BANK AND TRUST
 COMPANY OF NEW HAMPSHIRE

		
	 By:
	 	 /s/ Shawn P. Currier

	 Title:
	 	 Vice President

  

 4Guaranty made as of December 1, 2004

 EXHIBIT 10.26 
  
 GUARANTY 
  
 This GUARANTY (“Guaranty”) is made as of December 1, 2004 by State Street Bank and Trust Company, a trust company organized under the laws of
the Commonwealth of Massachusetts (“State Street”), in favor of the American Bar Retirement Association, an Illinois not-for-profit corporation (“ABRA”), the American Bar Association Members/State Street Collective Trust (the
“Trust”) and those persons who from time to time have any interest, whether direct or in direct, in the Trust (the “Participants”). 
  
 WHEREAS, pursuant to the Administrative and Investment Services Agreement between State Street and ABRA (as Amended and Restated), dated November 18, 2002
(the “AISA Agreement”), State Street serves as trustee of the Trust pursuant to the Declaration of Trust of the Trust, dated December 5, 1991 (as amended from time to time, the “Declaration of Trust”); 
  
 WHEREAS, State Street desires to substitute State Street Bank and Trust
Company of New Hampshire, a New Hampshire trust company and wholly-owned subsidiary of State Street (“State Street Trust Company”), for State Street as trustee of the Trust; 
  
 WHEREAS, State Street desires to amend the AISA Agreement and the Declaration Trust to reflect such substitution of
trustees; 
  
 WHEREAS, State Street will receive substantial
benefits as a result of such substitution of trustees and amendments; 
  
 WHEREAS, pursuant to the AISA Agreement, ABRA’s consent is necessary to make such amendments to the AISA Agreement and the Declaration of Trust; 
  

WHEREAS, as an inducement to ABRA to consent to and approve such substitution of trustees and amendments, ABRA has required that State Street guaranty
the Obligations (as defined below) of State Street Trust Company, as trustee of the Trust; and 
  
 NOW THEREFORE, in consideration of the foregoing, and for other good and valuable consideration, the receipt of which is hereby acknowledged, State Street hereby agrees as follows: 
  

	 	1.	Guaranty. 

  
 (a) State Street hereby unconditionally and irrevocably guarantees to ABRA, the Trust and the Participants, and each of them respectively, the prompt and
full payment and performance by State Street Trust Company of its Obligations (as defined below) to ABRA, the Trust or any Participant under the Declaration of Trust and the 

 AISA, and agrees to pay, either upon demand by ABRA, the Trust and the Participants, and each of them, respectively, or
as otherwise may be required by a court of competent jurisdiction, any and all amounts that may be payable by State Street Trust Company under the Declaration of Trust, the AISA Agreement or applicable law, including without limitation, the Employee
Retirement Income Security Act of 1974, as amended (the “Obligations”). State Street also guarantees to ABRA, the Trust and the Participants, and each of them respectively, the payment of any and all expenses reasonably incurred by ABRA,
the Trust and the Participants, and each of them, respectively, (including reasonable attorneys’ fees and disbursements) in connection with the enforcement of this Guaranty. 
  
 (b) This Guaranty is a continuing guaranty of the full and punctual payment and performance of the Obligations and not of
their collectibility only, and is in no way conditioned upon any requirement that ABRA, the Trust or any Participant first attempt to collect any of the Obligations from State Street Trust Company or from any other party now or hereafter primarily
or secondarily liable for the Obligations. Furthermore, the liability of State Street shall be absolute and unconditional, irrespective of (i) the validity or enforceability of the Obligations, (ii) any extension, renewal, settlement, compromise,
waiver or release in respect of any of the Obligations, by operation of law or otherwise, or any modification or amendment or supplement to, the AISA Agreement, the Declaration of Trust or other related instrument or document; (iii) any change in
the existence, structure or ownership of the Trust, State Street or State Street Trust Company, or any insolvency, bankruptcy, reorganization or similar proceeding affecting State Street Trust Company; (v) the existence of any claim, setoff or other
rights that State Street may have at any time against State Street Trust Company, ABRA or any Participant, whether in connection with this Guaranty or otherwise; or (vi) any other act or omission to act or delay of any kind by State Street Trust
Company, ABRA, the Trust, or any Participant or any other person, firm or corporation or any other circumstance whatsoever that might, but for the provisions of this paragraph, constitute a legal or equitable discharge of any of the State
Street’s liabilities or obligations hereunder. Each of ABRA, the Trust or any Participant shall be entitled to enforce its rights hereunder without regard to any action taken or not taken by any other such party. Satisfaction of any Obligation
owed hereunder to ABRA, the Trust or any Participant, as the case may be, shall not satisfy or have any other effect on any Obligation to any other such party. 
  

(c) Notice of acceptance of this Guaranty is hereby waived. State Street waives demand, presentment, protest and notice of any kind; and agrees that
(1) any renewal, extension or postponement of the time of payment of the Obligations or any other indulgence and (2) any modification, supplement or alteration of any of the Obligations, may be effected without notice to and without releasing State
Street. 
  
 (d) State Street hereby agrees not to assert any
right, claim or cause of action, including, without limitation, a claim for subrogation, reimbursement, indemnification or otherwise, against State Street Trust Company arising out of or by reason of this Guaranty or the obligations hereunder,
including, without limitation, the payment or securing or purchasing of any of the Obligations of State Street unless and until the Obligations are indefeasibly paid in full. 
  

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 2. Effect of Bankruptcy. If any payment received by ABRA from State Street Trust Company with respect to
the Obligations is subsequently recovered from, or repaid by ABRA, the Trust or any Participant, as the case may be, as a result of any bankruptcy, reorganization, receivership, dissolution, liquidation, or other insolvency proceeding, this Guaranty
shall continue to be effective as though such payment had not been made. This provision shall survive any termination of this Guaranty. 
  
 3. Waiver of Arbitration and Jury Trial. State Street hereby waives any right it might otherwise have to demand that any claim, dispute or controversy
arising hereunder be submitted to arbitration pursuant to Section 16.10 of the AISA Agreement or a trial by jury in any action brought by ABRA or any Participant to enforce its rights under this Guaranty. 
  
 4. No Abrogation. Nothing in this Guaranty shall be interpreted as
abrogating, limiting or interfering with any rights of ABRA (and its members, directors, officers and employees) under the AISA Agreement. 
  
 5. Governing Law; Consent to Jurisdiction. THIS GUARANTY SHALL BE CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS (INCLUDING WITHOUT LIMITATION, 735 ILCS
SECTION 105/5-1 ET. SEQ., BUT OTHERWISE WITHOUT REGARD TO THE CONFLICT OF LAWS PROVISIONS) OF THE STATE OF ILLINOIS. STATE STREET HEREBY IRREVOCABLY SUBMITS TO THE NON-EXCLUSIVE JURISDICTION OF ANY UNITED STATES FEDERAL OR ILLINOIS STATE COURT
SITTING IN CHICAGO, ILLINOIS IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS GUARANTY, AND STATE STREET HEREBY IRREVOCABLY AGREES THAT ALL CLAIMS IN RESPECT OF SUCH ACTION OR PROCEEDING MAY BE HEARD AND DETERMINED IN ANY SUCH COURT
AND IRREVOCABLY WAIVES ANY OBJECTION IT MAY NOW OR HEREAFTER HAVE AS TO THE VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN SUCH A COURT OR THAT SUCH COURT IS AN INCONVENIENT FORUM. NOTHING HEREIN SHALL LIMIT THE RIGHT OF ABRA, THE TRUST OR
ANY PARTICIPANT TO BRING PROCEEDINGS AGAINST STATE STREET IN THE COURTS OF ANY OTHER JURISDICTION. 
  
 EXECUTED as of the date first set forth above. 
  

			
	STATE STREET BANK AND TRUST COMPANY
		
	 By:
	 	 /s/ James S. Phalen

	 Name:
	 	 James S. Phalen

	 Title:
	 	 Executive Vice President

  

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