Document:

Fourth Amendment of Credit Agreement

 EXHIBIT 10(a) 
  
 FOURTH MODIFICATION IN TERMS AGREEMENT 
  
 THIS FOURTH MODIFICATION IN TERMS AGREEMENT (the “Modification”), dated as of February 11, 2005 (the
“Effective Date”), is entered into by and among MPW Industrial Services Group, Inc. (“MPW Group”), each of the Subsidiaries of MPW Group listed on the Schedule of Subsidiary Borrowers attached hereto, the Lenders listed on the
signature pages of this Modification, and JPMorgan Chase Bank, N.A. (successor by merger to Bank One, NA (Main Office Columbus)), as Administrative Agent and LC Issuer. 
  
 Background Information 
  
 A. Borrowers, Lenders, Administrative Agent and LC Issuer entered into a certain Credit Agreement, dated as of June 18, 2002, as amended by (i) a
Modification In Terms Agreement, dated as of April 27, 2004, (ii) a Second Modification In Terms Agreement, dated as of August 6, 2004 and (iii) a Third Modification In Terms Agreement, dated as of November 12, 2004 (such credit agreement, as so
amended, the “Agreement”). 
  
 B. Lenders have (i)
agreed to extend Revolving Loans to Borrowers in the maximum principal amount of $35,000,000, and (ii) extended Term Loans to Borrowers in the original principal amount of $6,000,000, pursuant to the Agreement. 
  
 C. Borrowers have requested that (i) the Facility Termination Date (which is
the termination date of the Commitments of the Lenders to extend Revolving Loans to Borrowers) be extended from October 1, 2005 to January 1, 2006, and (ii) the Term Loan Maturity Date be extended from October 1, 2005 to January 1, 2006, and the
Lenders are willing to consent to the same, pursuant to the terms and conditions as set forth herein. 
  
 Provisions 
  
 NOW, THEREFORE, in consideration of their mutual agreements hereunder and under the Agreement, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Borrowers, Lenders and LC Issuer
hereby agree as follows: 
  
 1. Capitalized Terms. Except
as otherwise defined herein, the capitalized terms used herein shall have the same meanings as set forth in the Agreement. 
  
 2. Modification of Terms. 
  
 (a) The Facility Termination Date shall be extended from October 1, 2005 to January 1, 2006, and in that connection the definition of “Facility
Termination Date” set forth in Article I of the Agreement is hereby amended in its entirety to provide as follows: 
  
 ““Facility Termination Date” means to January 1, 2006 or any later date as may be specified as the Facility Termination
Date in accordance with Section 2.20 or any earlier date on which the Aggregate Revolving Commitment is reduced to zero or otherwise terminated pursuant to the terms hereof.” 

 (b) The Term Loan Maturity Date shall be extended from October 1, 2005 to January 1, 2006, and in that
connection the definition of “Term Loan Maturity Date” set forth in Article I of the Agreement is hereby amended in its entirety to provide as follows: 
  
 ““Term Loan Maturity Date” means to January 1, 2006.” 
  
 (c) The quarterly principal installment payable on December 31, 2005 with
respect to the Term Loans shall not be required because of such extension of the Term Loan Extension Date, and in that connection Section 2.3(ii) of the Agreement is hereby amended in its entirety to provide as follows: 
  
 “(ii) The principal of Term Loans shall be payable in
installments of $300,000 each, which shall be due and payable on each Payment Date (but excluding December 31, 2005), commencing with the first such date to occur after the date of this Agreement, and all remaining outstanding principal of the Term
Loans shall be due and payable on the Term Loan Maturity Date.” 
  
 3. Conditions to Lender’s Obligations. The agreement of Lenders and LC Issuer to enter into this Modification, and for Lenders and LC Issuer to be bound by the terms hereof, are subject to the satisfaction of the following
conditions precedent: 
  
 (a) Delivery of
Documents. On or prior to the Effective Date, Administrative Agent shall have received such certificates, documents and other items as Administrative Agent, in its reasonable discretion, deems necessary or desirable. 
  
 (b) Representations and Warranties. The
representations and warranties made by Borrowers in this Modification shall be true and correct in all material respects as of the date of this Modification. 
  
 4. Exhibits and Schedules. Each Borrower confirms and warrants that the information set forth in all schedules and exhibits to the Agreement is
true, accurate and complete as of the date hereof. 
  
 5.
Representations and Warranties; No Defaults. Each Borrower hereby represents and warrants to Lenders, LC Issuer and Administrative Agent that the following are true and correct as of the date of this Modification: 
  
 (a) except as otherwise disclosed to the Lenders,
Administrative Agent and LC Issuer, the representations and warranties of each Borrower contained in the Agreement are true and correct on and as of the date of this Modification as if made on and as of such date, unless stated to relate to a
specific earlier date, in which case they were true, correct and complete in all material respects on and as of such earlier date; 
  

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 (b) except as otherwise disclosed to the Lenders, Administrative Agent and LC Issuer, all
financial statements and information of Borrowers provided to Administrative Agent and Lenders are true, accurate and complete in all material respects as of the date of, and for the periods covered by, such financial statements and information;

  
 (c) neither this Modification nor any other
document, certificate or written statement furnished to Administrative Agent and/or Lenders or to special counsel to Administrative Agent by or on behalf of any Borrower in connection with the transactions contemplated hereby contains any untrue
statement of a material fact or omits to state a material fact necessary in order to make the statements contained herein and therein not misleading; 
  
 (d) each Borrower has full power and authority (i) to execute, deliver and perform this Modification, and (ii) to incur the obligations
provided for herein and therein, all of which have been duly authorized by all necessary and proper action by each Borrower; 
  
 (e) no consent, waiver or authorization of, or filing with, any person, entity or governmental authority is required to be made or
obtained by any Borrower in connection with the execution, delivery, performance, validity or enforceability of this Modification; 
  
 (f) this Modification constitutes the legal, valid and binding obligation of Borrowers, enforceable against Borrowers in accordance with
its terms; 
  
 (g) giving effect to the changes
to the Agreement contemplated by this Modification, no Unmatured Default nor Default has occurred and is continuing; 
  
 (h) no event has occurred which would have a Material Adverse Effect; and 
  
 (i) the execution and delivery by Borrowers of this Modification and the performance by Borrowers of this
Modification and the transactions contemplated hereby: (i) do not and will not violate any law or regulation; (ii) do not and will not violate any order, decree or judgment by which any Borrower is bound; (iii) do not and will not violate or
conflict with, result in a breach of or constitute (with notice, lapse of time, or otherwise) a default under any material agreement, mortgage, indenture or other contractual obligation to which any Borrower is a party, or by which any
Borrower’s properties are bound; or (iv) do not and will not result in the creation or imposition of any lien upon any property or assets of any Borrower. 
  

6. Reaffirmation of Liability. Subject to the terms and conditions contained herein, each Borrower hereby reaffirms its liability to Lender
under the Agreement, the Collateral Documents, the Notes, the other Loan Documents and all other agreements and instruments executed by Borrowers for the benefit of Administrative Agent, Lenders or LC Issuer in connection with the Agreement and

  

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the Revolving Loans and the Term Loans (collectively, the “Bank Documents”). Without limiting the generality of the foregoing, each Borrower
reaffirms all of its payment obligations, including with respect to the Revolving Loans and the Term Loans under the Agreement and the Notes and with respect to the LC Obligations. In addition, each Borrower agrees that Administrative Agent, each
Lender and LC Issuer have performed all of their obligations under the Bank Documents and that none of Administrative Agent, any Lender or LC Issuer is in default under any obligation any of them has or ever did have to any Borrower under the Bank
Documents or any other agreement. As a specific inducement and consideration to Lenders, Administrative Agent and LC Issuer to enter into this Modification and agree to the transactions contemplated hereby, each Borrower hereby waives and releases
each Lender, Administrative Agent and LC Issuer, their respective officers, directors, employees and representatives, from any and all claims or causes of actions, if any, accruing on or before the date hereof and arising out of the past and/or
present business relationship among each Borrower and each Lender, Administrative Agent or LC Issuer which any Borrower now has or may have or in the future may have against any Lender, Administrative Agent or LC Issuer or any of their respective
officers, directors, employees or representatives. 
  
 7.
Effectiveness of Modification. All of the terms, covenants and conditions of, and the obligations of Borrowers under, the Bank Documents shall remain in full force and effect as modified hereby. 
  
 8. Preservation of Existing Security Interests. Each mortgage,
security interest, pledge, assignment, lien or other conveyance or encumbrance of any right, title, or interest in any property of any kind delivered to Administrative Agent for the benefit of Lenders at any time by any Borrower or any other Person
in connection with the Bank Documents or to secure the performance of the obligations of Borrowers under the Bank Documents, including pursuant to the Collateral Documents, shall remain in full force and effect following the execution of this
Modification. Each Borrower hereby authorizes the Lenders and the Administrative Agent to file all UCC financing statements, amendments of existing UCC financing statements and correction statements with respect to UCC financing statements and other
documents that the Administrative Agent deems necessary or desirable in connection with any such security interests, including to file initial financing statements and amendments thereto that (x) indicate the collateral (i) as all assets and/or
personal property of each Borrower or words of similar effect, regardless of whether any particular asset comprised in the collateral falls within the scope of Article 9 of the Ohio Uniform Commercial Code, or (ii) as being of an equal or lesser
scope or with greater detail, and (y) provide any other information required by part 5 of Article 9 of the Ohio Uniform Commercial Code, for the sufficiency or filing office acceptance of any financing statement or amendment. 
  
 9. Expenses. Borrowers shall reimburse Administrative Agent for any
costs, internal charges and out-of-pocket expenses (including reasonable attorneys’ fees and time charges of attorneys for Administrative Agent and Lenders, which attorneys may be employees of Administrative Agent and Lenders) paid or incurred
by Administrative Agent and Lenders in connection with the preparation, negotiation, execution, delivery, performance, review, amendment, modification, and administration of this Modification, the Agreement and the other Bank Documents. Borrowers
also agree to reimburse Administrative Agent for any costs, internal charges and out-of-pocket expenses (including reasonable attorneys’ fees and time charges of attorneys for 

  

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Administrative Agent and Lenders, which attorneys may be employees of Administrative Agent and Lenders) paid or incurred by Administrative Agent and Lenders
in connection with the collection and enforcement of the Agreement and the other Bank Documents. 
  
 10. Applicable Law. This Modification shall be construed in accordance with the internal laws (but without regard to the conflict of laws
provisions) of the State of Ohio, but giving effect to federal laws applicable to national banks. 
  
 11. Severability. Any provision of this Modification that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be
ineffective only to the extent of such prohibition or unenforceability, without invalidating the remaining provisions hereof or affecting the validity or enforceability of such provision in any other jurisdiction. 
  
 12. Counterparts. This Modification may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. 
  
 13. Amendments and Supplements. This Modification may not be amended or supplemented except by an instrument in writing executed by Borrowers and
Agent. 
  
 14. Covenants to Survive, Binding Agreement.
This Modification shall be binding upon and inure to the benefit of Borrowers, Lenders, Administrative Agent and LC Issuer and their respective successors or assigns; provided, however, that Borrowers may not assign or otherwise dispose of any of
their rights or obligations hereunder. 
  
 15. Entire
Agreement. This Modification embodies the entire agreement and understanding among Borrowers, Administrative Agent, Lenders and LC Issuer relating to, and supersedes all prior agreements and understandings among Borrowers, Administrative Agent,
Lenders and LC Issuer relating to, the subject matter hereof. 
  
 16. Headings. The headings of the sections of this Modification are for convenience only and shall not affect the meaning or interpretation of this Modification. 
  
 17. Interpretation. This Modification is to be deemed to have been prepared jointly by the parties hereto, and any
uncertainty or ambiguity existing herein shall not be interpreted against any party but shall be interpreted according to the rules for the interpretation of arm’s length agreements. 
  
 18. WAIVER OF JURY TRIAL. EACH BORROWER, ADMINISTRATIVE AGENT, LC ISSUER AND EACH LENDER HEREBY WAIVE TRIAL BY
JURY IN ANY JUDICIAL PROCEEDING INVOLVING, DIRECTLY OR INDIRECTLY, ANY MATTER (WHETHER SOUNDING IN TORT, CONTRACT OR OTHERWISE) IN ANY WAY ARISING OUT OF, RELATED TO, OR CONNECTED WITH ANY LOAN DOCUMENT OR THE RELATIONSHIP ESTABLISHED THEREUNDER.

  
 [Signatures on following pages] 
  

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 IN WITNESS WHEREOF, the parties hereto entered into this Modification to be effective as of the Effective
Date. 
  
  

			
	 BORROWERS:

	
	 MPW Industrial Services Group, Inc.

		
	 By:
	 	 /s/ Robert Valentine

	 Name:
	 	 Robert Valentine

	 Title:
	 	 Vice President, Chief Operating Officer,
 Chief Financial Officer, Secretary and Treasurer

	
	 Each of the Other Borrowers Listed

	 on the Schedule of Subsidiary Borrowers

		
	 By:
	 	 /s/ Robert Valentine

	 Name:
	 	 Robert Valentine

	 Title:
	 	 Vice President, Chief Operating Officer,
 Chief Financial Officer, Secretary and Treasurer

  
 [Signatures of
Lenders, Administrative Agent and LC Issuer on Following Pages] 
  

 6 

			
	 JPMorgan Chase Bank, N.A.

	 (successor by merger to Bank One, NA (Main Office
 Columbus)),

	 as a Lender and as Administrative Agent and LC Issuer

		
	 By:
	 	 /s/ Geoffrey M. Eagleson

	 	 	 Geoffrey M. Eagleson, First Vice President

  
  
  

 7 

			
	 NATIONAL CITY BANK,

	 as a Lender

		
	 By:
	 	 /s/ Robert C. Wolfinger

	 	 	 Robert C. Wolfinger, Senior Vice President

  
  

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 SCHEDULE OF SUBSIDIARY BORROWERS 
  
 Aquatech Environmental, Inc. 
  
 MPW Industrial Services, Inc. 
  
 MPW Management Services Corp. 
  
 MPW Industrial
Water Services, Inc. 
  
 MPW Container Management Corp. 
  
 MPW Container Management Corp. of Michigan 
  
 MPW Industrial Services of Indiana, LLC 
  
 MPW Industrial Cleaning Corp. 
  

 9Form Of Grant Acceptance Agreement Relating To Stock Option Grants

 Exhibit 10.1 
  
 Prudential Financial, Inc. 
 Executive
Stock Option Program 
 Grant Acceptance Agreement 
  
 You have been granted Xxx options (each an “option”) to purchase Xxx shares of Prudential Financial, Inc. Common Stock (“shares”). 
  
 Vesting Dates: 
 Xx options on February 8, 2006 
 Xx options on February 8, 2007 
 Xx options on February 8, 2008 
  
 Grant price: $XX.XX per share 
 Expiration: February 8, 2015

 (the tenth anniversary of the grant date) 
  
 See the brochure entitled 2005 Long-Term Incentive Program (“Brochure”) for more information about this grant. This Grant Acceptance Agreement
(“Agreement”) and the Brochure are subject to the terms, conditions and restrictions contained in the Prudential Financial, Inc. Omnibus Incentive Plan (“Plan”) document. Except as specified otherwise, this Agreement and the
Brochure are not a substitute for the official Plan document, which governs the operation of the Plan. Also, this is not a stock certificate or negotiable instrument. 
  
 Your eligibility for the 2005 Long-Term Incentive Program, the benefits provided by this program and all other terms and conditions of the
program and any long-term grant of stock options will be determined pursuant to and are governed by the provisions of the Plan document, including decisions of the Compensation Committee provided for in the Plan document. If there is any discrepancy
between the information in this grant or in the Brochure and the Plan Document, or if there is a conflict between information discussed by anyone acting on behalf of Prudential Financial, Inc. (“Prudential”) and the actual Plan document,
the Plan document, as interpreted by the Compensation Committee or its delegate, in its sole discretion, will always govern. 
  
 Nothing contained in this Agreement or the Brochure is intended to constitute or create a contract of employment nor shall it constitute or create the right to remain
associated with or in the employ of Prudential for any particular period of time. Employment with Prudential is employment at will, which means that either you or Prudential may terminate the employment relationship at any time, with or without
cause or notice. 
  
 These stock options are neither transferable nor assignable.

  

	1.	Exercise Methods 

  
 Cash Exercise – lets you receive stock, after paying the grant price, applicable taxes and fees, in cash. 

 Same Day Sale – lets you receive cash, after paying the grant price, applicable taxes and
fees, without paying cash out of your pocket. 
  
 Sell to
Cover – lets you exercise your options and receive stock after paying the grant price, applicable taxes and fees, without paying cash out of your pocket. 
  
 One or more of these Exercise Methods may not be available to you should Prudential determine that its availability will or
could violate the terms of any relevant law or regulation. 
  

	2.	Taxes 

  
 Prudential/your employer shall have the right to deduct and report taxes (federal, state, local or social insurance taxes) or other obligations required
to be withheld by law on options from any stock or cash payments or distributions made to you. Prudential/your employer may defer issuance of shares upon the exercise of any options until such withholding is satisfied. You will be fully responsible
for satisfying your tax responsibility, if any. 
  

	3.	Option Term 

  
 You will have until February 8, 2015 (the tenth anniversary of the grant date) to exercise your options, unless your employment ends during the
option term. See the Brochure for more information on the Plan terms regarding the effect termination of employment will have on your options. 
  

	4.	Value of Options 

  
 Prudential makes no representation as to the value of these options or whether you will be able to realize any profit based on any award of options to
you. 
  

	5.	Covenant Not to Solicit; Other Terms and Restrictions 

  

	(a)	Restrictions During Employment. You agree that during your employment with Prudential or any of its direct or indirect subsidiaries (the “Company Group”),
you shall not, other than on behalf of any member of the Company Group, or as may otherwise be required in connection with the performance of your duties on behalf of any member of the Company Group, solicit or induce, either directly or indirectly,
or take any action to assist any entity, either directly or indirectly, in soliciting or inducing any employee of the Company Group (other than your administrative assistant) to leave the employ of the Company Group (“Induce Departures”).

  

	(b)	Terms and Restrictions Upon Termination of Employment. 

  

	 	(1)	You agree that, in the event of your termination of employment by Prudential or any member of the Company Group, you will be entitled to the terms provided in paragraph (2), below,
but only if you execute and submit by the date specified by Prudential, and do not later revoke, either a Separation Agreement and General Release (in connection with an involuntary termination for any reason other than for Cause) or a General
Release of Claims (in connection with a voluntary termination) in a form and with terms and conditions satisfactory to Prudential (hereafter referred to collectively as the “Release”). 

	 	(2)	As determined by the Compensation Committee consistent with section 6.6 of the Plan, in the event your employment terminates and you comply with paragraph (1), above, and

  

	 	a.	You qualify for an Approved Retirement within the meaning of the Plan (whether your termination is voluntary or involuntary), outstanding options, which are not already exercisable
will not become immediately exercisable as provided in Plan section 6.6(c). Instead, options will become exercisable on the Vesting Dates shown above. Unexercised options may continue to be exercised as they become vested and until the earlier of
the date they expire or five years following your termination of employment that qualifies as an Approved Retirement. 

  

	 	b.	If you terminate in 2005 with less than three calendar months of active service in 2005, your options granted by this Agreement will be forfeited. 

  

	 	c.	The termination is as a result of your resignation, your unexercised options (whether vested or not) will not be forfeited as provided in Plan subsection 6.6(e). Instead, your
unexercised options will be exercisable at any time following the effective date of the Release and following the Vesting Date shown above, until the earlier of the date they expire or the ninetieth day following your termination of employment.

  

	(c)	Post-Employment Restrictive Covenants. You agree that until the latest Vesting date shown above or, if ending later, for a period of one year after the termination of your
employment with each member of the Company Group for any reason, you shall comply with the following restrictive covenants: 

  

	 	(1)	Non-solicitation. You shall not Induce Departures or hire or employ, or assist in the hire or employment of, either directly or indirectly, any individual (other than your
administrative assistant) whose employment by the Company Group ended within sixty (60) days preceding that individual’s hire or employment by you or your successor employer; 

  

	 	(2)	Additional Restrictive Covenants. In the event of your Approved Retirement, you shall not compete with Prudential [under terms to be determined by the Company].

  

	(d)	Restrictions Separable and Divisible. You hereby acknowledge that you understand the restrictions imposed upon you by Subsections 5(a) through (c) of this Agreement. You and
Prudential understand and intend that each such restriction agreed to by you will be construed as separable and divisible from every other restriction, and that the unenforceability, in whole or in part, of any restriction will not affect the
enforceability of the remaining restrictions and that one or more or all of such restrictions may be enforced in whole or in part as the circumstances warrant. No waiver of any one breach of the restrictions contained herein will be deemed a waiver
of any other breach. 

  

	(e)	Remedies. You agree that the restrictions in Subsections 5(a) through (c) are fair, reasonable and necessary and are reasonably required for the protection of Prudential and
any other member of the Company Group. You also agree and 

 acknowledge that the amount of damages that would derive from the breach of these restrictions is not
readily ascertainable and that the restrictions contained herein are a significant portion of the consideration that you are conveying or have conveyed to Prudential in consideration of the grant of the option evidenced by this Agreement.
Accordingly, you agree that, in the event that you fail to execute and submit or you revoke a Release required by paragraph 5(b), or you breach any of the restrictive covenants set forth in Subsections 5(a) and 5(c), all unexercised options shall be
cancelled immediately as of the date of such failure, as determined in the sole discretion of the Committee or its delegate. You also agree that if you breach any of the restrictive covenants set forth in Subsections 5(a) and 5(c), you shall
disgorge to Prudential Financial, Inc. Common Stock (rounded to the nearest whole share) equal in value (using the current Fair Market Value of Prudential Financial, Inc. Common Stock as defined in the Plan, on the date the letter of notification of
breach is dated) to the profit that you realized from the exercise of any portion of this option occurring (x) in the case of any breach occurring while you are an employee of the Company Group, within 12 months before the date of such breach or at
any time after the date of such breach or (y) in the case of a breach occurring after the termination of your employment, within 6 months before the date on which your employment with the Company Group terminates or at any time after the date of
such termination of employment. For the avoidance of doubt, the profit referred to in the preceding sentence shall be equal to the sums (determined separately for each exercise of any portion of the option occurring within the applicable period
established pursuant to such sentence) of (i) (A) the Fair Market Value (as defined in the Plan) of a share of Common Stock on the date of exercise, in the case of a cash exercise, or the price at which shares of Common Stock are sold, in the case
of a cashless exercise, minus (B) the per share exercise price of the option, times (ii) the number of shares of Common Stock acquired upon such exercise of the option. You shall pay any such amount (in the form of Prudential Financial, Inc. Common
Stock) to Prudential within five (5) business days of the date Prudential notifies you that a breach of the provisions of this Section 5 has occurred. If payment is not made within such period, any subsequent payment shall be made with interest at a
rate equal to the prime rate as reported in The Wall Street Journal (Eastern Edition) on the date on which notice of your breach is sent to you by Prudential, plus 2 percent. Interest payments shall be made in the form of cash only. You also
acknowledge that, in the event you breach any part of this Section, the damages to Prudential would be irreparable. Therefore, in addition to monetary damages and/or reasonable attorney’s fees, Prudential shall have the right to seek injunctive
and/or other equitable relief in any court of competent jurisdiction to enforce this covenant. Further, you consent to the issuance of a temporary restraining order to maintain the status quo pending the outcome of any proceeding. 
  

	6.	Governing Law 

  
 The validity, construction and effect of this Agreement and the Plan shall be determined in accordance with the laws of the State of New Jersey without
regard to principles of conflict of laws. 

	7.	Other Terms 

  
 Your participation in the Plan is voluntary. The award of these options does not entitle you to any benefit other than that granted under the Plan.

  
 Any benefits granted under the Plan are not deemed
compensation under any Prudential pension plan, welfare plan or any compensation plan or program and shall not be considered as part of such compensation for purposes of calculating pension, bonuses, long-service awards, or in the event of
severance, redundancy or resignation. 
  
 Prudential/your
employer will not be responsible if you do not exercise your options. 
  
 You understand and accept that the benefits granted under the Plan are entirely at the discretion of Prudential Financial, Inc., and that Prudential Financial, Inc. may modify, amend, suspend or terminate the Plan or any and all of the
policies, programs and plans described in this agreement in whole or in part, at any time, without notice to you or your consent. 
  
 You understand that you do not have any rights as a stockholder by virtue of the grant of stock options but only with respect to shares of common stock
actually issued to you in accordance with the terms hereof. 
  
 I
accept the terms of this Agreement, and acknowledge that I understand this Agreement and the terms of the Plan. I have received a copy of the Program Brochure as currently in effect.

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