Document:

exv10w30

Exhibit 10.30

UNITED STATES OF AMERICA

Before the

OFFICE OF THRIFT SUPERVISION

	 	 	 	 	 
	 

	 	 	 	 
	 
	 	)	 	 
	In the Matter of
	 	)	 	Order No.:
	 
	 	)	 	 
	 
	 	)	 	 
	AnchorBank, fsb
	 	)	 	Effective Date:
	 
	 	)	 	 
	Madison, Wisconsin
	 	)	 	 
	OTS Docket No. 04474
	 	)	 	 
	 

	 	)	 	 

ORDER TO CEASE AND DESIST

     WHEREAS, AnchorBank, fsb, Madison, Wisconsin, OTS Docket No. 04474 (Association), by and
through its Board of Directors (Board) has executed a Stipulation and Consent to the Issuance
of an Order to Cease and Desist (Stipulation); and

     WHEREAS, the Association, by executing the Stipulation, has consented and agreed to the
issuance of this Order to Cease and Desist (Order) by the Office of Thrift Supervision (OTS)
pursuant to 12 USC § 1818(b); and

     WHEREAS, pursuant to delegated authority, the OTS Regional Director for the Central Region
(Regional Director), is authorized to issue Orders to Cease and Desist where a savings association
has consented to the issuance of an order.

     NOW, THEREFORE, IT IS ORDERED that:

	1.	 	The Association and its directors, officers, and employees shall cease and desist from
any action (alone or with others) for or toward causing, bringing about, participating in or
counseling all unsafe or unsound practices that resulted in the Association operating at a loss,

 

 

	 	 	with a large volume of adversely classified assets, and with an inadequate level of capital for the
kind and quality of assets held.

Capital

	2.	 	(a) No later than September 30, 2009, the Association shall achieve and maintain: (i)
a Tier 1 (Core) Capital Ratio of at least seven percent (7%) and (ii) a Total Risk-Based
Capital Ratio of at least eleven percent (11%) after the funding of an adequate Allowance
for Loan and Lease Losses (ALLL).

(b) No later than December 31, 2009, the Association shall achieve and maintain: (i) a Tier
1 (Core) Capital Ratio of at least eight percent (8%) and (ii) a Total Risk-Based Capital
Ratio of at least twelve percent (12%) after the funding of an adequate ALLL.

(c) Effective immediately, the Board shall review the Association’s capital levels at each
regular monthly Board meeting and ensure that the Association continually assesses the
sufficiency of the Association’s capital levels relative to its risk profile, including but
not limited to, such risks as: classified asset levels, nonaccrual loans, and core earnings.
The trends in such risks shall also be reviewed and monitored by the Board. The Board’s
review of capital adequacy and any actions to be taken to ensure that adequate capital
levels are maintained shall be fully detailed in the Board meeting minutes.

	3.	 	(a) Within sixty (60) days, the Board shall adopt and submit to the Regional Director
for review and comment a written contingency plan that will be implemented by the
Association in the event the Association falls below adequately capitalized as defined in
12 CFR § 565.4(b)(2) (Contingency Plan). At a minimum, the Contingency Plan shall
detail the actions to be taken within specific time frames to achieve one of the following
results: (i) merger with or acquisition by another federally insured institution or holding

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company thereof; (ii) voluntary liquidation by, among other things, filing the appropriate
applications with OTS in conformity with federal laws and regulations; or (iii)
recapitalization acceptable to the Regional Director.

(b) Within twenty (20) days of receipt of comments from the Regional Director regarding the
Contingency Plan, the Board shall incorporate any comments by the Regional Director and
shall adopt the revised Contingency Plan. The Association shall provide a copy of the final
adopted Contingency Plan to the Regional Director within five (5) days of Board approval.

(c) The Contingency Plan shall be implemented immediately if the Association falls below
adequately capitalized or upon notification by the Regional Director of the requirement to
implement the Contingency Plan. Once implemented, the Association shall submit to the
Regional Director written status reports detailing the Association’s actions taken and
progress in implementing the Contingency Plan no later than the 1st and 15th days of each
month.

Allowance for Loan & Lease Losses

	4.	 	(a) Within thirty (30) days, the Association shall achieve and maintain through
charges to current operating income, an adequate ALLL. In determining the adequacy of the
ALLL, the Board shall review, at a minimum, the guidance contained in OTS CEO Letter 250,
dated December 13, 2006, Interagency Policy Statement on the Allowance for Loan and Lease
Losses and Frequently Asked Questions.

(b) Prior to the submission of any Thrift Financial Report (TFR) by the Association,
the Board shall review the adequacy of the ALLL. The minutes of the Board meetings at which
each ALLL review is undertaken shall indicate the substance of the review, the

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basis for the amount of the ALLL, and the amount of any adjustment to the ALLL.

Asset Quality

	5.	 	(a) Within sixty (60) days, the Board shall adopt and submit to the Regional Director
for review and comment a detailed, written plan with specific strategies and timeframes to
reduce the level of classified assets and delinquent loans (Problem Asset Plan). The
Association’s classified asset and delinquent loan balances shall include loans in process
and unused portions of lines of credit. The Problem Asset Plan shall contain a schedule of
quarterly reduction targets approved by the Board for reducing the level of adversely
classified assets and delinquent loans at the Association.

(b) Within twenty (20) days of receipt of comments from the Regional Director regarding the
Problem Asset Plan, the Board shall incorporate any comments by the Regional Director and
shall adopt and implement the revised Problem Asset Plan. The Association shall provide a
copy of the final adopted Problem Asset Plan to the Regional Director within five (5) days
of Board approval.

(c) On a quarterly basis, beginning with the quarter ending September 30, 2009, the Board
shall review the Association’s compliance with the final adopted Problem Asset Plan. The
Board shall compare scheduled reduction targets of classified assets and delinquent loans to
actual results. Additionally, as part of the variance analysis required pursuant to this
subparagraph, the Board shall determine whether any material deviations exist between the
scheduled reduction targets and actual results. The Board shall prepare a written report
describing any material deviations between the projections and actual results (Quarterly
Problem Assets Variance Report). The Board’s review shall be fully detailed in the Board
meeting minutes.

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(d) Within thirty (30) days of the close of each quarter beginning with the quarter
ending September 30, 2009, the Board shall provide the Regional Director with a copy of
the Quarterly Problem Assets Variance Report required by this paragraph, including a
copy of the Board meeting minutes at which such report was discussed and any
supporting documents, reports or other information reviewed by the Board at the meeting.

	6.	 	(a) Effective immediately, the Association shall not extend, directly or indirectly,
without prior written Regional Director non-objection any additional credit to, or for the
benefit of, any borrower who has a loan or other extension of credit from the Association
that has been charged off or classified, in whole or in part “Loss” and is uncollected. The
requirements of this paragraph shall not prohibit the Association
from renewing (after
collection in cash of interest due from the borrower) any credit already extended to any
borrower. The Association’s expenses incurred in connection with its real estate owned
(REO), including in-substance foreclosures, are not covered by this Paragraph.

(b) Effective immediately, the Association shall not make any further extensions of
credit, directly or indirectly, to any borrower whose loans are adversely classified
“Substandard” unless the Association’s failure to extend further credit to a particular
borrower would be detrimental to the best interests of the Association. Prior to extending
additional credit pursuant to this subparagraph, whether in the form of a renewal,
extension, or further advance of funds, such additional credit shall be approved by the
Board or a designated committee thereof, who shall certify in writing:

	 	i.	 	Why the failure of the Association to extend such credit would be detrimental to the best interests of the Association;

5

 

	 	ii.	 	The extension of additional credit would improve the Association’s position, including an explanatory statement of how the Association’s position would improve;
	 
	 	iii.	 	An appropriate workout plan has been developed and will be
implemented in conjunction with the additional credit to be extended; and
	 
	 	iv.	 	The signed certification shall be made a part of the minutes of the meeting of the
Board or designated committee with a copy retained in the borrower’s credit
file.

	7.	 	(a) Within thirty (30) days, the Board shall adopt revisions to
the following
procedures of the Association and submit such revisions to the Regional Director for
review and comment:

	 	i.	 	internal asset classification procedures required by 12 CFR § 560.160 to
address the concerns raised in the ROE;
	 
	 	ii.	 	loan monitoring procedures to address the concerns raised in the ROE, including
the need for updated and accurate borrower financial information; and
	 
	 	iii.	 	real estate owned (REO) appraisal procedures to address the requirements of
12 CFR § 560.172.

(b) Within twenty (20) days of receipt of comments from the Regional Director
regarding the revised procedures submitted, the Board shall incorporate any comments by
the Regional Director and shall adopt and implement the revised procedures. The Association
shall provide a copy of the final adopted procedures to the Regional Director within five
(5) days of Board approval.

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Business Plan

	8.	 	(a) By July 31, 2009, the Board shall revise and submit to the Regional Director for
review and comment its current three-year business plan (Revised Business Plan), to include
the requirements contained within this Order and the comments contained within the ROE, as
well as ensuring, at a minimum, inclusion of the following:

	 	i.	 	Defined strategies for capital enhancement commensurate with the capital
maintenance requirement of paragraph 2 above; and
	 
	 	ii.	 	Emphasis on reducing classified assets and maintaining an adequate ALLL.

(b) Within thirty (30) days of receiving the Regional Director’s comments, the Board shall
incorporate the Regional Director’s comments, if any, and adopt and implement the Revised
Business Plan. The Board shall send a copy of the final Revised Business Plan to the
Regional Director within five (5) days of Board approval.

(c) Once the Board has adopted the Revised Business Plan, the Association must operate
within the parameters of its Revised Business Plan. Any proposed material deviations from or
changes to the Revised Business Plan must be submitted for the prior, written approval of
the Regional Director and be submitted at least sixty (60) days before a proposed change is
implemented.

(d) On a quarterly basis, beginning with the first quarter ending September 30, 2009, the
Association shall compare projected operating results contained within the Revised Business
Plan to actual results (Business Plan Variance Analysis Report).

(e) The Board shall review the Business Plan Variance Analysis Report each quarter and
conduct a thorough and diligent review and assessment of the Association’s
implementation of and compliance with the approved Revised Business Plan. The

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Board’s review of the Business Plan Variance Analysis Report and assessment of the
Association’s compliance shall be fully documented in the appropriate Board meeting minutes.
Within thirty (30) days of the close of each quarter, beginning with the quarter ending
September 30, 2009, the Board shall provide the Regional Director with a copy of the
Business Plan Variance Analysis Report required by this paragraph.

Loan Administration

	9.	 	(a) Within ninety (90) days, the Board shall obtain an independent review of the
staffing in the Association’s commercial and commercial real estate lending department,
including collection, workout, and loss mitigation staffing levels and organizational
structure, completed by a qualified, third party (Commercial Lending Review). The
Commercial Lending Review shall address whether additional staff is necessary at the
Association for safe and prudent commercial loan administration relative to the
Association’s level of criticized assets. The Association’s engagement letter with the
third party shall provide that the written report of the results of the Commercial Lending
Review, whether in final or draft format (Commercial Lending Review Report), be
simultaneously provided to both the Board and the Regional Director.

(b) Within forty-five (45) days of receipt of the final Commercial Lending Review Report,
the Board shall consider the findings of the Commercial Lending Review and adopt and submit
to the Regional Director for review and comment a plan for the Association to implement
recommendations of the Commercial Lending Review Report (Implementation Plan).

(c) Within twenty (20) days of receipt of comments from the Regional Director regarding the
submitted Implementation Plan, the Board shall incorporate any comments

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by the Regional Director and shall adopt and implement the Implementation Plan. The Board shall
provide a copy of the final Implementation Plan to the Regional Director within five (5) days of
Board approval.

Liquidity and Rate Sensitivity

	10.	 	(a) By July 31, 2009, the Board shall review and revise the Association’s Liquidity
Management Policy to address the comments and corrective actions in the ROE.

(b) By July 31, 2009, the Board shall ensure that the Association’s loan portfolio is
stress-tested as described in the ROE and the results are incorporated in the Association’s rate
sensitivity assessment.

Asset Growth

	11.	 	Effective immediately, the Association is subject to and shall comply with the
requirements and provisions of OTS Regulatory Bulletin 3b. Without the prior written
approval of the Regional Director, the Association shall not increase its total assets
during any quarter in excess of an amount equal to net interest credited on deposit
liabilities during the quarter. The growth restrictions imposed by this paragraph shall
begin with the Association’s total assets as of June 30, 2009 and remain in effect until the
Regional Director reviews and approves the Association’s Revised Business Plan under
paragraph 8 of this Order. Any growth in assets, including any growth proposed in the
Business Plan, should consider:

a) The source, volatility and use of the funds that support asset growth;

b) Any increase in credit risk or interest rate risk as a result of growth; and

c) The effect of such growth on the Association’s capital.

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Management Changes

	12.	 	Effective immediately, the Association shall comply with the prior notification
requirements for changes in directors and Senior Executive Officers set forth in 12 CFR
Part 563, Subpart H.

Brokered Deposits

	13.	 	The Association shall comply with the requirements of 12 CFR § 337.6(b)(2) and shall
not, without obtaining the prior written approval of the Federal Deposit Insurance
Corporation (FDIC) pursuant to 12 CFR § 337.6(c): (i) accept, renew or roll over any
brokered deposit, as that term is defined at 12 CFR § 337.6(a)(2); or act as a deposit
broker, as that term is defined at 12 CFR § 337.6(a)(5).

Severance and Indemnification Payments

	14.	 	The Association shall not make any golden parachute payment1 or any prohibited
indemnification payment2 unless, with respect to each such payment, the Association has
complied with the requirements of 12 CFR Part 359 and, as to indemnification payments,
12 CFR § 545.121.

Employment Contracts and Compensation Arrangements

	15.	 	Effective immediately, the Association shall not enter into, renew, extend or revise any
contractual arrangement related to compensation or benefits with any director or Senior
Executive Officer of the Association, unless it provides the Regional Director with not
less than thirty (30) days prior written notice of the proposed transaction. The notice to
the Regional Director shall include a copy of the proposed employment contract or

 

			
	1	 	The term “golden parachute payment” is defined at 12 CFR § 359.1(f).
	 
	2	 	The term “prohibited indemnification payment” is
defined at 12 CFR § 359.1(I).

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compensation arrangement, or a written description of the compensation arrangement to be offered to
such officer or director, including all benefits and perquisites. The Board shall ensure that any
contract, agreement, or arrangement submitted to OTS fully complies with the requirements of 12 CFR
Part 359, 12 CFR §§ 563.39 and 563.161(b), and 12 CFR Part 570-Appendix A.

Third Party Contracts

	16.	 	Effective immediately, the Association shall not enter into any arrangement or contract
with a third party service provider that is significant to the overall operation or
financial
condition of the Association3 or outside the Association’s or subsidiary’s normal
course
of business unless, with respect to each such contract, the Association has: (i) provided
OTS with a minimum of thirty (30) days prior written notice of such arrangement or
contract; (ii) determined that the arrangement or contract complies with the standards and
guidelines set forth in OTS Thrift Bulletin 82a; and
(iii) received written notice of non-objection from the Regional Director.

Capital Distributions

	17.	 	Effective immediately, the Association shall not declare or pay dividends or make any
other capital distributions including the repurchase or redemption of capital stock,
without receiving the prior written approval of the Regional Director. The Association’s
written request for approval shall be submitted at least thirty (30) days prior to the
anticipated date of the proposed dividend payment or distribution of capital.

 

			
	3	 	A contract will be considered significant to the overall operation or financial
condition of the Association where the annual contract amount equals or exceeds two percent (2%) of
the Association’s total capital.

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Transactions with Affiliates

	18.	 	Effective immediately, the Association shall not engage in any new transaction with an
affiliate unless, with respect to each such transaction, the Association has complied with
the notice requirements set forth in 12 CFR § 563.41(c)(4), which shall include the
information set forth in 12 CFR § 563.41(c)(3). The Board shall ensure that any
transaction with an affiliate for which notice is submitted pursuant to this paragraph,
complies with the requirements of 12 CFR § 563.41 and Regulation W, 12 CFR Part 223.

Effective Date, Incorporation of Stipulation

	19.	 	This Order is effective on the Effective Date as shown on the first page. The Stipulation
is made a part hereof and is incorporated herein by this reference.

Duration

	20.	 	This Order shall remain in effect until terminated, modified or suspended, by written
notice of such action by OTS, acting by and through its authorized representatives.

Time Calculations

	21.	 	Calculation of time limitations for compliance with the terms of this Order run from the
Effective Date and shall be based on calendar days, unless otherwise noted.

	22.	 	The Regional Director may extend any of the deadlines set forth in the provisions of this
Order upon written request by the Association that includes reasons in support for any such
extension. Any OTS extension shall be made in writing.

Submissions and Notices

	23.	 	All submissions, including progress reports, to OTS that are required by or contemplated
by this Order shall be submitted within the specified timeframes.

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	24.	 	Except as otherwise provided herein, all submissions, requests, communications,
consents or other documents relating to this Order shall be in writing and sent by first
class U.S. mail (or by reputable overnight carrier, electronic facsimile transmission or
hand delivery by messenger) addressed as follows:

	 	a.	 	To OTS:
	 
	 	 	 	Regional Director

Office of Thrift Supervision

One South Wacker Drive, Suite 2000

Chicago, Illinois 60606

Facsimile: (312) 917-5002
	 
	 	b.	 	To the Association:
	 
	 	 	 	Chairman of the Board 
AnchorBank,
fsb 
25 West Main Street 
Madison,
Wisconsin 53703-3329 
Facsimile: (608) 252-8783

No Violations Authorized

	25.	 	Nothing in this Order or the Stipulation shall be construed as allowing the Association, its
Board, officers or employees to violate any law, rule, or regulation.

     IT IS SO ORDERED.

	 	 	 	 	 
	 	OFFICE OF THRIFT SUPERVISION

 	 
	 	By:  	 	 
	 	 	Daniel T. McKee 	 
	 	 	Regional Director, Central Region	 
	 
	 	 	Date: See Effective Date on page 1 	 
	 

13exv10w31

Exhibit 10.31

UNITED STATES OF AMERICA

Before the

OFFICE OF THRIFT SUPERVISION

	 	 	 	 	 
	 

	 	 	 	 
	 
	 	)	 	 
	In the Matter of
	 	)	 	Order No.:
	 
	 	)	 	 
	 
	 	)	 	 
	AnchorBank, fsb
	 	)	 	Effective Date:
	 
	 	)	 	 
	Madison, Wisconsin
	 	)	 	 
	OTS Docket No. 04474
	 	)	 	 
	 

	 	)	 	 

STIPULATION AND CONSENT TO ISSUANCE OF ORDER TO CEASE AND DESIST

          WHEREAS, the Office of Thrift Supervision (OTS), acting by and through its Regional
Director for the Central Region (Regional Director), and based upon information derived from the
exercise of its regulatory and supervisory responsibilities, has informed AnchorBank, fsb, Madison,
Wisconsin, OTS Docket No. 04474 (Association) that OTS is of the opinion that grounds exist to
initiate an administrative proceeding against the Association pursuant to 12 USC § 1818(b);

          WHEREAS, the Regional Director, pursuant to delegated authority, is authorized to issue Orders
to Cease and Desist where a savings association has consented to the issuance of an order; and

          WHEREAS, the Association desires to cooperate with OTS to avoid the time and expense of such
administrative cease and desist proceeding by entering into this Stipulation and Consent to the
Issuance of Order to Cease and Desist (Stipulation) and, without admitting or denying that such
grounds exist, but only admitting the statements and conclusions in Paragraph 1 below concerning
Jurisdiction, hereby stipulates and agrees to the following terms:

 

 

	1.	 	Jurisdiction

	 	a.	 	The Association is a “savings association” within the meaning of 12 USC §
1813(b) and 12 USC § 1462(4). Accordingly, the Association is “an insured depository
institution” as that term is defined in 12 USC § 1813(c); and
	 
	 	b.	 	Pursuant to 12 USC § 1813(q), the Director of OTS is the “appropriate Federal
banking agency” with jurisdiction to maintain an administrative enforcement proceeding
against a savings association. Therefore, the Association is subject to the authority
of OTS to initiate and maintain an administrative cease and desist proceeding against
it pursuant to 12 USC § 1818(b).

	2.	 	OTS Findings of Fact
	 
	 	 	Based on findings set forth in the OTS Report of Examination of the Association dated November
3, 2008 (ROE), OTS finds that the Association has engaged in unsafe and unsound banking
practices, that resulted in the Association operating at a loss, with a large volume of
adversely classified assets, and with an inadequate level of capital for the kind and quality of
assets held.
	 
	3.	 	Consent
	 
	 	 	The Association consents to the issuance by OTS of the accompanying Order to Cease and Desist
(Order). The Association further agrees to comply with the terms of the Order upon the
Effective Date of the Order and stipulates that the Order complies with all requirements of
law.
	 
	4.	 	Finality
	 
	 	 	The Order is issued by OTS under 12 USC § 1818(b) and upon the Effective Date it shall be a
final order, effective and fully enforceable by OTS under the provisions of 12 USC § 1818(i).

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	5.	 	Waivers
	 
	 	 	The Association waives the following:

	 	a.	 	The right to be served with a written notice of OTS’s charges against it as
provided by 12 USC § 1818(b) and 12 CFR Part 509;
	 
	 	b.	 	The right to an administrative hearing of OTS’s charges as provided by 12 USC §
1818(b) and 12 CFR Part 509;
	 
	 	c.	 	The right to seek judicial review of the Order, including, without limitation,
any such right provided by 12 USC § 1818(h), or otherwise to challenge the validity of
the Order; and
	 
	 	d.	 	Any and all claims against OTS, including its employees and agents, and any
other governmental entity for the award of fees, costs, or expenses related to this OTS
enforcement matter and/or the Order, whether arising under common law, federal statutes
or otherwise.

	6.	 	OTS Authority Not Affected
	 
	 	 	Nothing in this Stipulation or accompanying Order shall inhibit, estop, bar or otherwise
prevent OTS from taking any other action affecting the Association if at any time OTS deems
it appropriate to do so to fulfill the responsibilities placed upon OTS by law.
	 
	7.	 	Other Governmental Actions Not Affected
	 
	 	 	The Association acknowledges and agrees that its consent to the issuance of the Order is solely
for the purpose of resolving the matters addressed herein, consistent with Paragraph 6 above,
and does not otherwise release, discharge, compromise, settle, dismiss, resolve, or in any way
affect any actions, charges against, or liability of the Association that arise pursuant to this
action or otherwise, and that may be or have been brought by any governmental entity other than
OTS.

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	8.	 	Miscellaneous

	 	a.	 	The laws of the United States of America shall govern the construction and
validity of this Stipulation and of the Order;
	 
	 	b.	 	If any provision of this Stipulation and/or the Order is ruled to be invalid,
illegal, or unenforceable by the decision of any Court of competent jurisdiction, the
validity, legality, and enforceability of the remaining provisions hereof shall not in
any way be affected or impaired thereby, unless the Regional Director in his or her
sole discretion determines otherwise;
	 
	 	c.	 	All references to OTS in this Stipulation and the Order shall also mean
any of the OTS’s predecessors, successors, and assigns;
	 
	 	d.	 	The section and paragraph headings in this Stipulation and the Order are
for convenience only and shall not affect the interpretation of this Stipulation
or the Order;
	 
	 	e.	 	The terms of this Stipulation and of the Order represent the final agreement of
the parties with respect to the subject matters thereof, and constitute the sole
agreement of the parties with respect to such subject matters; and
	 
	 	f.	 	The Stipulation and Order shall remain in effect until terminated,
modified, or suspended in writing by OTS, acting through its Regional Director or
other authorized representative.

	9.	 	Signature of Directors/Board Resolution

          Each Director signing this Stipulation attests that he or she voted in favor of a Board
Resolution authorizing the consent of the Association to the issuance of the Order and the
execution of the Stipulation. This Stipulation may be executed in counterparts by the directors
after approval of execution of the Stipulation at a duly called board meeting.

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WHEREFORE, the Association, by its directors, executes this Stipulation.

	 	 	 	 	 	 	 	 	 
	 	 	 	 	Accepted by:	 	 
	 
	 	 	 	 	 	 	 	 
	AnchorBank, fsb	 	 	 	Office of Thrift Supervision	 	 
	Madison, Wisconsin
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:	 	 	 	 
	 

	 	 	 	 	 	 

	 	 
	Douglas J. Timmerman, Chairman

	 	 	 	 	 	Daniel T. McKee	 	 
	 

	 	 	 	 	 	Regional Director, Central Region	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	Date: See Effective Date on page 1	 	 
	 	 	 	 	 	 	 	 	 
	Richard A. Bergstrom, Director
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	Greg M. Larson, Director
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	David L. Omachinski, Director
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	Pat Richter, Director
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 
	Mark D. Timmerman, Director
	 	 	 	 	 	 	 	 

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