Document:

ex_375175.htm

 

Exhibit 10.4

 

SPECIFIC TERMS IN THIS EXHIBIT HAVE BEEN REDACTED BECAUSE SUCH TERMS ARE NOT MATERIAL AND WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH TERMS HAVE BEEN MARKED AT THE APPROPRIATE PLACE WITH THREE ASTERISKS (***)

 

DEED OF VARIATION

 

THIS DEED OF VARIATION is dated 26 January 2022 and made BETWEEN:

 

	 	
			(1)

				
			SWIVEL SECURE LIMITED, a company incorporated in England with registered number 04068905 and whose registered office is at 1200 Century Way, Thorpe Park, Leeds, England, LS15 8ZA ("Swivel"); and;

			

 

	 	
			(2)

				
			SWIVEL SECURE EUROPE S.A., a company incorporated under the laws of Spain (Company No. ES A87886347) with its principal place of business at Av. Juan Carlos I, n°13 - 12° planta (Torre Garena), Alcala de Henares, 28806 Madrid, Spain ("SSE") {the "Distributor").

			

 

WHEREAS:

 

	 	
			(A)

				
			Swivel and the Distributor entered into an agreement on 23 October 2020 (the "Agreement") pursuant to which Swivel agreed to appoint the Distributor as a non-exclusive distributor of Swivel's products.

			

 

	 	
			(B)

				
			Swivel and the Distributor have now agreed to amend certain terms of the Agreement on the terms and subject to the conditions contained in this Deed of Variation.

			

 

NOW IT IS AGREED as follows:

 

	 	
			1

				
			Interpretation

			

 

	 	
			1.1

				
			Definitions

			

 

	 	
			1.1.1

				
			Unless the context otherwise requires and save as mentioned below, words and expressions defined in the Agreement shall have the same meanings when used in this Deed of Variation.

			

 

	 	
			1.1.2

				
			In this Deed of Variation, the term "Effective Date" shall mean 1 February 2022.

			

 

	 	
			1.2

				
			Interpretation of Revised Agreement

			

 

	 	
			1.2.1

				
			References in the Agreement to "this Agreement" shall unless the context otherwise requires, be references to the Agreement as amended by this Deed of Variation and words such as "herein", "hereof', "hereunder", "hereafter'', "hereby" and "hereto", where they appear in the Agreement, shall be construed accordingly.

			

 

	 	
			1.2.2

				
			A reference to a clause or to an Appendix shall, save where the contrary is expressed to be the case, be to a clause of or, as the case may be, an Appendix to this Deed of Variation and references for this Deed of Variation shall include its recitals and Appendices.

			

 

 

 

 

 

	 	2 	
			Amendments to The Agreement

			

 

	 	
			2.1

				
			With effect from the Effective Date, the Agreement shall be amended as follows:

			

 

	 	
			2.1.1

				
			The recital in the Agreement shall be deleted and replaced with:

			

 

	 	 	
			"Swivel is to appoint the Distributor as its exclusive distributor of Swivel's products in the Territory on the terms set out in this Agreement."

			

 

	 	
			2.1.2

				
			The definition of "Territory" in clause 1.1 of the Agreement shall be deleted and replaced with:

			

 

	 	 	
			""Territory" means EMEA (Europe, Middle East and Africa), but excluding the United Kingdom and Republic of Ireland;"

			

 

	 	
			2.1.3

				
			The following definitions shall be inserted at clause 1.1 of the Agreement:

			

 

	 	 	
			""Contract Year'' means a period of 12 months (or such shorter period if this Agreement is terminated earlier), commencing on 1 February 2022 and/or each anniversary of 1 February 2022."

			

 

	 	 	
			"Parent" means any entity that is the direct beneficial owner of more than 50% of the issued shares or securities of the Distributor from time to time."

			

 

	 	
			2.1.4

				
			Clause 2.1 of the Agreement shall be deleted and replaced with:

			

 

	 	 	
			"Swivel appoints the Distributor and the Distributor agrees to serve Swivel as its exclusive distributor of the Products within the Territory. Swivel grants to the Distributor the exclusive right, for the Term, to market, sell and distribute the Products in the Territory."

			

 

	 	
			2.1.5

				
			In clause 2.2 of the Agreement, the words:

			

 

	 	
			(a)

				
			"an initial term of one year" shall be deleted and replaced with the words "an initial term ending on 31 January 2027"; and

			

 

	 	
			(b)

				
			"the anniversary of the Commencement Date" shall be deleted and replaced with the words "1 February 2027 and extending each 1 February thereafter''.

			

 

	 	
			2.1.6

				
			Clauses 2.4, 5.4, 5.5 and 5.6 of the Agreement shall be deleted in their entirety.

			

 

	 	
			2.1.7

				
			The following clause 4.3 shall be added to the Agreement:

			

 

	 	 	
			"4.3               The Distributor undertakes to place orders of Products with a minimum total net price of £[***] every Contract Year of the Term ("Minimum Order''). In the event that the Distributor breaches this condition then Swivel may at its discretion notify the Distributor of such breach in writing, and if the Distributor fails to place new additional orders of Products to reach the Minimum Order for that Contract Year ("Shortfall Orders") within 90 days of the date of the notice from Swivel, the Distributor's exclusive rights in the Territory granted pursuant to clause 2.1 of this Agreement shall terminate and the Distributor shall be appointed as its non-exclusive distributor of the Products within the Territory only. For the avoidance of doubt, any Shortfall Orders in respect of a Contract Year shall not be included in the calculation of the Minimum Order for a following Contract Year."

			

 

2

 

 

	 	
			2.1.8

				
			In clause 5.3 of the Agreement, the words:

			

 

	 	
			(a)

				
			"30 days" shall be deleted and replaced with the words "60 days"; and

			

 

	 	
			(b)

				
			"ten per cent" shall be deleted and replaced with the words "three per cent".

			

 

	 	
			2.1.9

				
			The following clauses shall be added to the Agreement:

			

 

	 	 	
			"6.7                Swivel shall, no later than 01 April 2022, deposit the source code of its software Products in escrow with NCC Group. Swivel shall ensure that the deposited version of the source code is the current version of the software and that the deposited version is kept up to date as the software is modified or-upgraded. Swivel shall pay any fees under the escrow agreement with NCC Group.

			

 

	 	 	
			6.8                Where Swivel is unable to procure compliance with clause 6.7 is respect of any third party software, it shall agree with the Distributor a suitable alternative to escrow that affords the Distributor equivalent protection.

			

 

	 	 	
			6.9                If any event described in clauses 8.2.1 to 8.2.4 of this Agreement occurs with respect to Swivel, the Distributor shall be entitled to obtain the release of the source code from escrow, and Swivel hereby grants to the Distributor a royalty-free and non-exclusive license to use, support, modify and enhance the source code version of the software to the extent necessary to allow the Distributor to carry out bug fixing and support existing customers."

			

 

	 	
			2.1.10

				
			In the first paragraph of clause 10 of the Agreement, "officers, employees and professional advisers" shall be deleted and replaced with "officers, employees, professional advisers and Parent", and in the final paragraph of clause 10 of the Agreement "officers, employees and/or professional advisers" shall be deleted and replaced with "officers, employees, professional advisers and/or Parent".

			

 

	 	
			2.1.11

				
			Schedule 2 of the Agreement shall be deleted and replaced with Appendix 2 of this Deed of Variation.

			

 

3

 

 

	 	2.1.12 	
			The definition of "DP Laws" in Schedule 7 of the Agreement shall be deleted and replaced with:

			

 

	 	 	
			"DP Laws" means any applicable law, enactment, regulation, regulatory policy, by law, ordinance or subordinate legislation relating to the processing, privacy, and use of Personal Data, as applicable to the Distributor and/or the Supplier, including:

			

 

	 	
			(a)

				
			the Regulation of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) ("EU GDPR");

			

 

	 	
			(b)

				
			the Data Protection Act 2018;

			

 

	 	
			(c)

				
			the Privacy and Electronic Communications (EC Directive) Regulations 2003 (as may be amended by the proposed Regulation on Privacy and Electronic Communications);

			

 

	 	
			(d)

				
			the EU GDPR as it forms part of domestic law in the United Kingdom by virtue of section 3 of the European Union (Withdrawal) Act 2018 (including as further amended or modified by the laws of the United Kingdom or a part of the United Kingdom from time to time) ("UK GDPR"); and/or

			

 

	 	
			(e)

				
			any judicial or administrative interpretation of them, any guidance, guidelines, codes of practice, approved codes of conduct or approved certification mechanisms issued by any relevant Supervisory Authority."

			

 

	 	
			2.1.13

				
			The following definition shall be inserted in paragraph 1.1 of Schedule 7 of the Agreement:

			

 

	 	 	
			"GDPR" means the EU GDPR or the UK GDPR (as applicable);"

			

 

	 	
			3

				
			Miscellaneous

			

 

	 	
			3.1

				
			Continuation of Agreement

			

 

	 	 	
			Save as amended by this Deed of Variation, the provisions of the Agreement shall continue in full force and effect and the Agreement and this Deed of Variation shall be read and construed as one instrument.

			

 

	 	
			3.2

				
			Counterparts

			

 

	 	 	
			This Deed of Variation may be executed in any number of counterparts and by the different parties on separate counterparts, each of which when so executed and delivered shall be an original but all counterparts shall together constitute one and the same instrument.

			

 

	 	
			4 

				
			Governing Law

			

 

	 	 	
			The parties agree that any disputes arising under or in any way connected with the subject matter of this Deed of Variation (whether of a contractual or tortious nature or otherwise) shall be subject to English law and to the exclusive jurisdiction of the English courts.

			

 

	 	
			5

				
			The Contracts (Rights of Third Parties) Act 1999

			

 

	 	 	
			No terms of this Deed of Variation is enforceable under the Contracts (Rights of Third Parties) Act 1999 by a person who is not a party to this Deed of Variation.

			

 

4

 

 

IN WITNESS whereof the parties hereto have caused this Deed of Variation to be duly executed the day and year first above written.

 

 

 

EXECUTED as a deed by SWIVEL SECURE LIMITED, acting by Carl Singler, a director, and Janak Basnet, a director

 

/s/ Carl Singer

/s/ Janak Basnet

 

 

EXECUTED as a deed by SWIVEL SECURE EUROPE S.A., acting by Alex Rocha, a director,

 

/s/ Alex Rocha

 

5

 

 

Appendix 1

 

SCHEDULE 2

 

Discounts

 

 

	 	
			1.

				
			For the purpose of clause 5.1 of this Agreement, the applicable discount percentage to the Distributor shall be:

			

 

	 	
			(a)

				
			if, as at the date of acceptance of a purchase order by Swivel pursuant to clause 4.2 of this Agreement ("Acceptance"), the Distributor's total revenue with respect to the sale of Products in the Territory during the then current Contract Year ("Total Revenue") is £[****] or less, [***]%; or

			

 

	 	
			(b)

				
			if, as at the date of Acceptance, the Distributor's Total Revenue is more than £[****], [***]%.

			

 

	 	
			2.

				
			For the avoidance of doubt, the applicable discount percentage for a purchase order shall be the percentage calculated at the date of Acceptance, and no retrospective additional discount will be applied should the Distributor receive a [***]% discount on a purchase order pursuant to paragraph 1(a) above and the Distributor's Total Revenue later exceeds £[***] after the Acceptance of that purchase order.

			

	 	
			3.

				
			At the end of each Contract Year, the Distributor will provide Swivel with evidence which is reasonably satisfactory to Swivel to verify the Distributor's Total Revenue as of the date of Acceptance of each purchase order placed by Distributor in that Contract Year. If it is identified that the applicable percentage discount applied to a purchase order was incorrect, either the Distributor will pay to Swivel the amount of any under-payment or Swivel will pay to the Distributor the amount of any over-payment (as applicable).

			

 

6ex_379237.htm

Exhibit 10.1

 

PROMISSORY NOTE

 

	
			Principal

			$550,000.00

				
			Loan Date

			05-17-2022

				
			Maturity

			11-30-2022

				
			Loan No

			040010109634

				
			Call / Coll

			RC-C 4a / 43

				
			Account

			720

				
			Officer

			NRS

				
			Initials

			
	
			References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item.

			Any item above containing "***" has been omitted due to text length limitations.

			

 

	Borrower:	
			Art's-Way Manufacturing Co., Inc.

			PO Box 288

			Armstrong, IA  50514-0288  United States

			 

				Lender:	
			Bank Midwest 

			Armstrong Branch

			PO Box 136

			500 6th Street

			Armstrong, IA 50514

			

 

	Principal Amount: $550,000.00 	Date of Note: May 17, 2022

 

PROMISE TO PAY. Art's-Way Manufacturing Co., Inc. ("Borrower") promises to pay to Bank Midwest ("Lender"), or order, in lawful money of the United States of America, the principal amount of Five Hundred Fifty Thousand & 00/100 Dollars ($550,000.00) or so much as may be outstanding, together with interest on the unpaid outstanding principal balance of each advance. Interest shall be calculated from the date of each advance until repayment of each advance.

 

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal plus all accrued unpaid interest on November 30, 2022. In addition, Borrower will pay regular monthly payments of all accrued unpaid interest due as of each payment date, beginning May 31, 2022, with all subsequent interest payments to be due on the same day of each month after that. Unless otherwise agreed or required by applicable law, payments will be applied first to any escrow or reserve account payments as required under any mortgage, deed of trust, or other security instrument or security agreement securing this Note; then to any accrued unpaid interest; then to principal; and then to any late charges. Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. All payments must be made in U.S. dollars and must be received by Lender consistent with any written payment instructions provided by Lender. If a payment is made consistent with Lender's payment instructions but received after 5:30 PM Central Time, Lender will credit Borrower's payment on the next business day.

 

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an independent index which is the Wall Street Journal Prime Rate as published in the Wall Street Journal Money Rates section (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. Lender will tell Borrower the current Index rate upon Borrower's request. The interest rate change will not occur more often than each one (1) day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 4.000% per annum. Interest on the unpaid principal balance of this Note will be calculated as described in the "INTEREST CALCULATION METHOD" paragraph using a rate of 2.000 percentage points over the Index (the "Margin"), adjusted if necessary for any minimum and maximum rate limitations described below, resulting in an initial rate of 6.000% per annum based on a year of 360 days. If Lender determines, in its sole discretion, that the Index has become unavailable or unreliable, either temporarily, indefinitely, or permanently, during the term of this Note, Lender may amend this Note by designating a substantially similar substitute index. Lender may also amend and adjust the Margin to accompany the substitute index. The change to the Margin may be a positive or negative value, or zero. In making these amendments, Lender may take into consideration any then-prevailing market convention for selecting a substitute index and margin for the specific Index that is unavailable or unreliable. Such an amendment to the terms of this Note will become effective and bind Borrower 10 business days after Lender gives written notice to Borrower without any action or consent of the Borrower. NOTICE: Under no circumstances will the interest rate on this Note be less than 5.000% per annum or more than the maximum rate allowed by applicable law.

 

INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method.

 

PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed earlier than it is due. Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to make payments of accrued unpaid interest. Rather, early payments will reduce the principal balance due. Borrower agrees not to send Lender payments marked "paid in full", "without recourse", or similar language. If Borrower sends such a payment, Lender may accept it without losing any of Lender's rights under this Note, and Borrower will remain obligated to pay any further amount owed to Lender. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: Bank Midwest, Armstrong Branch, PO Box 136, 500 6th Street, Armstrong, IA 50514.

 

LATE CHARGE. If a payment is 30 days or more late, Borrower will be charged 5.000% of the unpaid portion of the regularly scheduled payment or $8.50, whichever is greater.

 

INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the total sum due under this Note will continue to accrue interest at the interest rate under this Note. However, in no event will the interest rate exceed the maximum interest rate limitations under applicable law.

 

DEFAULT. Each of the following shall constitute an event of default ("Event of Default") under this Note:

 

Payment Default. Borrower fails to make any payment when due under this Note.

 

Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower.

 

False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter.

 

Insolvency. The dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower.

 

 

 

 

	Loan No: 040010109634	
			PROMISSORY NOTE

			(Continued)

				Page 2

 

Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan. This includes a garnishment of any of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute.

 

Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness or any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note.

 

Change In Ownership. Any change in ownership of twenty-five percent (25%) or more of the common stock of Borrower.

 

Adverse Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or performance of this Note is impaired.

 

Insecurity. Lender in good faith believes itself insecure.

 

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal balance under this Note and all accrued unpaid interest immediately due, and then Borrower will pay that amount.

 

ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender that amount. This includes, subject to any limits under applicable law, Lender's attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit, including without limitation all attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and appeals. If not prohibited by applicable law, Borrower also will pay any court costs, in addition to all other sums provided by law.

 

GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Iowa without regard to its conflicts of law provisions. This Note has been accepted by Lender in the State of Iowa.

 

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whether checking, savings, or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the indebtedness against any and all such accounts.

 

COLLATERAL. Borrower acknowledges this Note is secured by any and all security documents, including, but not limited to, all Security Agreements, Supplemental Security Agreements, all Guaranties, Real Estate Mortgages and Assignment of Rents.

 

LINE OF CREDIT. This Note evidences a revolving line of credit. Advances under this Note may be requested either orally or in writing by Borrower or as provided in this paragraph. Lender may, but need not, require that all oral requests be confirmed in writing. All communications, instructions, or directions by telephone or otherwise to Lender are to be directed to Lender's office shown above. The following person or persons are authorized to request advances and authorize payments under the line of credit until Lender receives from Borrower, at Lender's address shown above, written notice of revocation of such authority: Michael Woods, CFO of Art's-Way Manufacturing Co., Inc.; and David King, CEO of Art's-Way Manufacturing Co., Inc. Borrower agrees to be liable for all sums either: (A) advanced in accordance with the instructions of an authorized person or (B) credited to any of Borrower's accounts with Lender. The unpaid principal balance owing on this Note at any time may be evidenced by endorsements on this Note or by Lender's internal records, including daily computer print-outs. Lender will have no obligation to advance funds under this Note if: (A) Borrower or any guarantor is in default under the terms of this Note or any agreement that Borrower or any guarantor has with Lender, including any agreement made in connection with the signing of this Note; (B) Borrower or any guarantor ceases doing business or is insolvent; (C) any guarantor seeks, claims or otherwise attempts to limit, modify or revoke such guarantor's guarantee of this Note or any other loan with Lender; (D) Borrower has applied funds provided pursuant to this Note for purposes other than those authorized by Lender; or (E) Lender in good faith believes itself insecure.

 

PURPOSE OF LOAN. The specific purpose of this loan is: Reserve Operating.

 

SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns.

 

SHARING CUSTOMER INFORMATION WITH AFFILIATES. Borrower acknowledges and agrees that Lender may share Borrower's financial information with any affiliate of Bank Midwest. Lender agrees that it will require those affiliates to maintain the privacy of such information.

 

GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forgo enforcing any of its rights or remedies under this Note without losing them. Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several.

 

 

 

 

	
			Loan No: 040010109634

				
			PROMISSORY NOTE

			(Continued)

				
			Page 3

			

 

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES TO THE TERMS OF THE NOTE.

 

BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE AND ALL OTHER DOCUMENTS RELATING TO THIS DEBT.

 

BORROWER:

 

 

 

ART'S-WAY MANUFACTURING CO., INC.

 

	By:	/s/ Michael Woods	 	By:	/s/ David King
	 	Michael Woods, CFO of Art's-Way Manufacturing Co., Inc.	 	 	David King, CEO of Art's-Way Manufacturing Co., Inc.

 

 

 

LENDER:

 

 

BANK MIDWEST

 

 

	X	/s/ Nicole Simpson	 	 	 
	 	Nicole Simpson, Market Leader/VP Ag-Comm Lender	 	 	 

 

	 	 	 	 	 

LaserPro, Ver. 22.1.0.044 Copr. Finastra USA Corporation 1997, 2022. All Rights Reserved. - IA K:\CFI\LPL\D20.FC TR-512166 PR-102

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