Document:

Agreement

 AGREEMENT 
  

THIS AGREEMENT (the “Agreement”) is made and entered into as of this 18th day of March, 2004, by and between The Thaxton Group, Inc., a South
Carolina corporation (the “Corporation”), and
                                     (“Director”).

  
 WHEREAS, the Director is a director of the Corporation and in
such capacity is performing a valuable service to the Corporation; 
  
 WHEREAS, the Corporation’s Board of Directors has determined that it is in the Corporation’s best interests to provide contractually for the indemnification of, and the advancement of Expenses (as hereinafter defined) to, the
directors of the Corporation to the fullest extent allowed under the South Carolina Business Corporation Act, as amended, or any successor provisions thereof (the “Corporation Law”); 
  
 WHEREAS, this Agreement is a supplement to and in furtherance of the
provisions of the Corporation’s Bylaws (the “Bylaws”) relating to indemnification and the advancement of Expenses and shall not be deemed to be a substitute therefore nor to diminish or abrogate any right a director may have
thereunder or otherwise; 
  
 WHEREAS, the Director hereby agrees
to continue to serve as a director of the Corporation faithfully and to the best of his ability so long as he is duly elected and qualified in accordance with the provisions of the Corporation’s Articles and Bylaws or until his earlier death,
resignation or removal; and 
  
 WHEREAS, the Corporation expressly
confirms and agrees that it has entered into this Agreement and assumes the obligations imposed on it hereby in order to induce the Director to serve, or continue to serve, as a director of the Corporation; 
  
 NOW, THEREFORE, in consideration of the Director’s continued service as
a director after the date hereof, the parties hereto agree as follows: 
  
 1. INDEMNIFICATION. The Corporation hereby agrees to indemnify and advance Expenses to the Director to the fullest extent permitted by the Corporation Law. For purposes of this Agreement,
“Expenses” shall include all reasonable attorneys’ fees, retainers, court costs, transcript costs, fees of experts, witness fees, travel expenses, duplicating costs, printing and binding costs, telephone charges, postage, delivery
service fees, and all other disbursements or expenses of the types customarily incurred in connection with prosecuting, defending, preparing to prosecute or defend, investigating or being or preparing to be a witness in a Proceeding, as such term is
defined in the Corporation Law. 
  
 2.
CONTRIBUTION. The parties hereto acknowledge that there may be circumstances in which the Director may not be entitled to indemnification under the terms of this Agreement or otherwise and that the parties further intend this Agreement
to provide the Director with a right to seek contribution from the Corporation to the fullest extent permitted by applicable law based on the equitable considerations set forth herein. The Corporation shall contribute, to the extent it is not
lawfully prohibited from doing so, to the amount of 

 Expenses, judgments, fines, settlements and other similar amounts paid or incurred by the Director for or
in respect of any Proceeding in such proportion as is appropriate to reflect: 
  
 (a) the relative benefits received by the Corporation on the one hand and the Director on the other hand from the transaction or matter from which the Proceeding arose; 
  
 (b) the relative fault of the Corporation on the one hand
and of the Director on the other in connection with the events which resulted in such Expenses, judgments, fines, settlements or other similar amounts; and 
  
 (c) any other relevant equitable considerations. 
  

The relative fault of the Corporation on the one hand and of the Director on the other shall be determined by reference to, among other things, the parties’
relative intent, knowledge, access to information and opportunity to correct or prevent the circumstances resulting in such Expenses, judgments, fines, settlements or other similar amounts. The Corporation agrees that it would not be just and
equitable if contribution pursuant to this Section 2 were determined by pro rata allocation or any other method of allocation that does not take into account the foregoing equitable considerations. 
  
 3. NOTIFICATION AND DEFENSE OF CLAIM. Within 60
days after actual receipt by the Director of notice of the commencement of any Proceeding, the Director shall, if a claim in respect thereof may be made against the Corporation under this Agreement, notify the Corporation of the commencement
thereof, but the omission so to notify the Corporation will not (a) relieve the Corporation from any liability which it may have to the Director otherwise than under this Agreement; (b) relieve the Corporation from liability hereunder to the extent
the Corporation receives actual notice of the Proceeding and the existence of the Director’s rights to a claim with respect thereto; or (c) relieve the Corporation from liability hereunder if the Corporation is not materially prejudiced by the
failure to timely provide such notice. With respect to any such Proceeding: 
  
 (i) the Corporation will be entitled to participate therein at its own expense; and 
  
 (ii) subject to Section 4 hereof, and if the Director shall have provided, to the extent required by Section 33-8-530, as amended, or any
successor provisions thereof, of the Corporation Law (1) a written affirmation of the Director’s good faith belief that he has met the standard of conduct described in Section 33-8-510, as amended, or any successor provision thereof, of the
Corporation Law; and (2) a written undertaking, executed personally or on his behalf, to repay any advances if it is ultimately determined he did not meet the standard of conduct, the Corporation upon notice to the Director may, but is not required
to, assume the defense thereof. 
  
 After notice
from the Corporation to the Director of the Corporation’s election to assume such defense, the Director shall have the right to employ separate counsel in such Proceeding if in the Director’s exclusive discretion such separate counsel is
required. 
  

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 Whether or not the Director employs separate counsel, the Corporation shall continue to be liable to the
Director under this Agreement for any Expenses, judgments, fines, settlements or other similar amounts incurred by the Director in connection with such Proceeding to the extent permitted by the Corporation Law. 
  
 4. ADVANCEMENT OF EXPENSES. Upon receipt by
the Corporation of a written request by the Director for the advancement of Expenses, accompanied by reasonably itemized evidence of Expenses incurred, and the documents specified in Section (3)(ii) above (collectively, referred to hereinafter as
the “Request for Advancement of Expenses”), a determination in accordance with Sections 33-8-530 and 33-8-550, as amended, or any successor provisions thereof, of the Corporation Law shall be made within 30 days as to whether the facts
then known to those making the determination preclude indemnification under the Corporation Law. If the determination is not made, for whatever reason, within 30 days from the receipt of the Request for Advancement of Expenses that based on the
facts then known to those making the determination the Director would be precluded from indemnification, then the Director shall be entitled to the advancement of Expenses to the extent of his Request for Advancement of Expenses. If the
determination is made that the facts known would not preclude indemnification under the Corporation Law or if no determination has been made within 30 days of the receipt by the Corporation of the Request for Advancement of Expenses, the Corporation
shall advance such expenses to the Director within 10 days after the determination has been made or the passage of the 30 days without any determination having been made. Once a determination has been made that indemnification is not precluded in
connection with a Proceeding, or in the event a determination is not made on a timely basis as set forth above, the Corporation shall continue to make advances to the Director for Expenses with respect to that Proceeding until such time as a
subsequent determination based on additional facts is made that determines that indemnification is precluded under the Corporation Law. Once the Corporation has commenced advancing Expenses as set forth above, at the Director’s exclusive
discretion, the Corporation shall assume direct responsibility for the payment of Expenses, until such time, if ever, as the Corporation makes the determination that based on the facts then known to those making the determination the Director would
be precluded from indemnification under this Agreement or otherwise. The Director shall be entitled to advancement of Expenses under this section without regard to whether a determination has been made as to whether he is entitled to
indemnification. In addition, the Director’s entitlement to the advancement of Expenses shall include those Expenses incurred in connection with his efforts to obtain the advancement of Expenses hereunder. In the event that it is determined
that the Director is prohibited by law from retaining such advances the Director shall repay such advances. 
  
 5. INDEMNIFICATION PROCEDURE. 
  
 (a) To obtain indemnification under this Agreement, the Director shall submit to the Corporation’s Secretary a written request,
including therein or therewith documentation and information as is reasonably available to the Director and is reasonably necessary to determine whether and to what extent the Director is entitled to indemnification; provided, however, that the
Corporation recognizes the legitimate desire of the Director to protect any attorney-client or similar privilege relating to such documentation and information, 
  

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 and will cooperate to the maximum extent possible with the Director to assist him in maintaining that
privilege. The Corporation’s Secretary shall, promptly upon receipt of such a request for indemnification, advise the Board of Directors that the Director has requested indemnification. The appropriate body or person empowered to determine
whether the Director is entitled to indemnification shall make such determination within 90 days after receipt by the Corporation of a proper request therefore from the Director; provided, however, that such 90-day period may be extended for a
reasonable time, not to exceed an additional 30 days, if the particular body or person making the determination with respect to entitlement to indemnification requests in good faith such additional time for the obtaining or evaluating of
documentation and/or information relating thereto. Following the determination that the Director is entitled to indemnification, payment of the amount to which the Director is entitled shall be made within 10 days of the determination. 

 
 (b) The termination of any Proceeding by judgment, order,
settlement, conviction, or upon a plea of nolo contendere or its equivalent shall not, of itself, adversely affect the right of the Director to indemnification. 
  
 (c) Notwithstanding any provision in this Agreement to the contrary, the Corporation shall not be liable to
indemnify the Director under this Agreement for any amounts paid in settlement of any action or claim effected without the Corporation’s written consent, which consent shall not be unreasonably withheld. The Corporation shall not settle any
action or claim in any manner which would impose any penalty or limitation on the Director without the Director’s written consent, which consent shall not be unreasonably withheld. 
  
 6. PARTIAL INDEMNIFICATION AND ADVANCEMENT OF EXPENSES. If the Director is entitled under any
provision of this Agreement to indemnification or the advancement of Expenses by the Corporation for some or a portion of the Expenses, judgments, fines, settlements or other similar amounts relating to any Proceeding, but not, however, for the
total amount thereof, the Corporation shall nevertheless indemnify and advance Expenses to the Director for the portion thereof to which the Director is entitled. 
  
 7. INDEMNIFICATION FOR EXPENSES AS A WITNESS. Notwithstanding, and in addition to, any other
provision of this Agreement, if the Director is, by reason of his being a Director or serving the Corporation in any other capacity, a witness in any Proceeding at a time when he has not been made a named defendant or respondent to the Proceeding,
he shall be advanced Expenses and indemnified against all Expenses actually and reasonably incurred by him or on his behalf in connection therewith. 
  
 8. REMEDIES OF THE DIRECTOR. 
  
 (a) In the event that (i) a determination is made that the Director is not entitled to indemnification and/or the advancement of Expenses,
(ii) the advancement of Expenses is not timely made in accordance with the provisions of this Agreement; or (iii) the determination of the Director’s right to indemnification hereunder or the payment of 
  

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 indemnification is not timely made in accordance with the provisions of this Agreement, the Director
shall be entitled, in the Director’s exclusive discretion and without limiting the Director’s rights contained in Section 8 hereof, to request any court of competent jurisdiction (i) to adjudicate his entitlement to such indemnification or
advancement of Expenses, or (ii) to require the Corporation to cause the necessary determinations and/or payments required hereunder to be made, whichever the Director shall elect. 
  
 (b) In the event that a determination shall have been made that the Director is not entitled to
indemnification or the advancement of Expenses, any judicial proceeding commenced pursuant to this section shall be conducted in all respects as a de novo trial on the merits and the Director shall not be prejudiced by reason of that adverse
determination. 
  
 (c) If a determination shall
have been made that the Director is entitled to indemnification or the advancement of Expenses, the Corporation shall be bound by such determination in any judicial proceeding commenced pursuant to this section, absent a prohibition of such
indemnification or advancement of Expenses under applicable law. The Corporation further agrees to stipulate in any such judicial proceeding that the Corporation is bound by all the provisions of this Agreement and is precluded from making any
assertion to the contrary. 
  
 9.
ENFORCEMENT. The Corporation expressly confirms and agrees that it has entered into this Agreement and assumed the obligations imposed on it hereby in order to induce the Director to serve, or continue to serve, as a director of the
Corporation and acknowledges that the Director will in the future be relying upon this Agreement in continuing to serve in such capacity. The Corporation also acknowledges and agrees that damages at law might not be an adequate remedy for a breach
or threatened breach of this Agreement, and the Corporation therefore agrees that (a) this Agreement may be specifically enforced against the Corporation by injunction or otherwise in any court of competent jurisdiction; (b) the Corporation will not
raise as a defense that adequate remedies at law are, or may be, available to the Director if the Director seeks to specifically enforce this Agreement, or seeks other equitable relief; and (c) no bond will be required of the Director in connection
with any action brought by the Director seeking specific enforcement of this Agreement or other equitable relief in connection with this Agreement. Nothing herein contained, however, shall be construed as prohibiting the Director from pursuing any
other remedies available to the Director for such breach or threatened breach, including the recovery of damages from the Corporation. In the event the Director is required to bring any action to enforce rights or to collect moneys due under this
Agreement and is successful in whole or in part in such action, the Corporation shall reimburse the Director for all of the Director’s reasonable fees and Expenses in bringing and pursuing such action. 
  
 10. MANDATORY NATURE; SEVERABILITY. The
parties specifically intend for this Agreement to make mandatory all of the permissive provisions of the Corporation Law relating to the Corporation’s ability to indemnify and advance Expenses to the Directors and to obligate the Corporation to
consider and act expeditiously on an application for indemnification or advancement of Expenses to the fullest extent permitted by 
  

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 the Corporation Law and it is the intent of the parties that if and to the extent this Agreement exceeds
the permissive limits of the Corporation Law, the parties intend this Agreement to be interpreted and enforced only to the fullest extent permitted by the Corporation Law. Each of the provisions of this Agreement is a separate and distinct agreement
and independent of the others so that if any provision hereof shall be held to be invalid or unenforceable in whole or in part, for any reason, including public policy, such invalidity or unenforceability shall not affect the validity or
enforceability of the other provisions hereof. In addition, any provision or provisions of this Agreement shall be held to be invalid, illegal or unenforceable for any reason whatsoever: (a) the validity, legality and enforceability of the remaining
provisions of this Agreement (including, without limitation, each portion of any such section of this Agreement containing any such provision held to be invalid, illegal or unenforceable, that is not itself invalid, illegal or unenforceable) shall
not in any way be affected or impaired thereby; and (b) to the fullest extent possible, the provisions of this Agreement (including, without limitation, each portion of any section of this Agreement containing any such provision held to be invalid,
illegal or unenforceable, that is not itself invalid, illegal or unenforceable) shall be construed so as to give effect to the intent manifested by the provision held invalid, illegal or unenforceable. 
  
 11. PROCEEDINGS TO WHICH APPLICABLE. This
Agreement only applies to Proceedings instituted following the date of this Agreement arising out of the conduct of the Director (whether in the form of action or inaction) after the date of this Agreement, and therefore shall not apply to, and
shall have no force or effect with respect to any pending Proceedings or future Proceedings arising out of the conduct (whether in the form of action or inaction) of the Director prior to the date of this Agreement. 
  
 12. NON-EXCLUSIVITY; INSURANCE; SUBROGATION;
TERM. 
  
 (a) The right of
indemnification and the right to receive advancement of Expenses as provided by this Agreement shall not be deemed exclusive of any other rights to which the Director may at any time be entitled under applicable law, the Articles, the
Corporation’s Bylaws, any agreement, a vote of shareholders, a resolution of directors, or otherwise. 
  
 (b) In the event of any payment under this Agreement, the Corporation shall be subrogated to the extent of such payment to all of the
rights of recovery of the Director under any insurance policy, other contract or agreement, or otherwise for the claims or Expenses against which payment was made hereunder. At the request of the Corporation, the Director shall execute all papers
required and take all action reasonably necessary to permit the Corporation to secure such rights, including execution of such documents as are necessary to enable the Corporation to bring suit to enforce such rights. 
  
 (c) The Corporation shall not be liable under this Agreement
to make any payment of amounts otherwise indemnifiable hereunder if and to the extent that the 
  

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 Director has otherwise received and is entitled to retain such payment under any insurance policy, other
contract or agreement, or otherwise. 
  
 (d) This
Agreement shall continue until and terminate upon the later of: (i) ten years after the Director has completed his service as a director; or (ii) the final termination of all Proceedings with respect to his service as a director or in any other
capacity. This Agreement shall be binding upon the Director and the Corporation, its successors and assigns, and shall inure to the benefit of the Director, the Director’s heirs, and the Director’s personal representative or
representatives, and to the benefit of the Corporation, its successors and assigns. 
  
 13. MISCELLANEOUS. 
  
 A This Agreement shall be governed by, and construed and enforced in accordance with, the laws of the State of South Carolina, without
regard to choice of law principles. 
  
 B No
amendment, modification, termination or cancellation of this Agreement shall be effective unless it is in writing and signed by both parties hereto. No waiver of any of the provisions of this Agreement shall be deemed or shall constitute a waiver of
any other provisions hereof (whether or not similar) nor shall such waiver constitute a continuing waiver. 
  
 C All section headings contained in this Agreement are for convenience of reference only, do not form a part of this Agreement and shall
not affect in any way the meaning or interpretation of this Agreement. 
  
 D Use of the masculine pronoun shall be deemed to include usage of the feminine pronoun when appropriate. 
  
 IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written. 
  

									
	 	 	 	 	 THE THAXTON GROUP, INC.

				
	
	 	 	 	 By:
	 	  

	 Director
	 	 	 	 Name:
	 	  

	 	 	 	 	 	 	 Its:
	 	  

  
  
  
  
  

 7First Amendment to Master Credit Facility Agreement

 Exhibit 10.1 
  
 FIRST AMENDMENT TO MASTER CREDIT FACILITY AGREEMENT 
  
 THIS FIRST AMENDMENT TO MASTER CREDIT FACILITY AGREEMENT (this
“Amendment”) is made as of the 25th day of March, 2004 by and between (i) BRE-FMCF, LLC, a
Delaware limited liability company (“Borrower”), and (ii) PRUDENTIAL MULTIFAMILY MORTGAGE, INC., a Delaware corporation (“Lender”). 
  
 RECITALS 
  
 A. Pursuant to that certain Master Credit Facility Agreement dated as of May 2, 2003 (the “Master Agreement”), Borrower and Lender
agreed to the terms and conditions under which Lender would establish a credit facility in the original principal amount of $100,000,000 and make Advances to Borrower. 
  
 B. All of the Lender’s right, title and interest in the Master Agreement and the Loan Documents executed in connection
with the Master Agreement or the transactions contemplated by the Master Agreement have been assigned to Fannie Mae pursuant to that certain Assignment of Collateral Agreements and Other Loan Documents, dated as of May 2, 2003 (the
“Assignment”). Fannie Mae has not assumed any of the obligations of the Lender under the Master Agreement or the Loan Documents as a result of the Assignment. Fannie Mae has designated the Lender as the servicer of the
Advances contemplated by the Master Agreement. 
  
 C. The parties
are executing this Amendment pursuant to the Master Agreement to reflect (i) the addition of four (4) Mortgaged Properties commonly known as (a) Summerwind Townhome Apartments, (b) Regency Palm Court Apartments, (c) Windsor Court Apartments, and (d)
Tiffany Court Apartments, each in California, to the Collateral Pool, (ii) an increase in the Variable Facility Commitment as set forth herein after, (iii) a decrease in the maximum amount by which the Commitment may be increased, and (iv) to modify
the notice provisions as set forth hereinafter. 
  
 NOW,
THEREFORE, the parties hereto, in consideration of the mutual promises and agreements contained in this Amendment and the Master Agreement, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,
hereby agree as follows: 
  
 Section 1. Addition of
Mortgaged Property. The Mortgaged Properties commonly known as (a) Summerwind Townhome Apartments, (b) Regency Palm Court Apartments, (c) Windsor Court Apartments, and (d) Tiffany Court Apartments, are hereby added to the Collateral Pool
under the Master Agreement. 
  
 Section 2. Exhibit
A. Exhibit A to the Master Agreement is hereby deleted and replaced with the Exhibit A attached to this Amendment. 

 Section 3. Expansion. The Variable Facility Commitment shall be increased by $40,000,000
and the definition of Variable Facility Commitment is hereby replaced in its entirety with the following new definition: 
  
 “Variable Facility Commitment” means an aggregate amount of $140,000,000, which shall be evidenced by the Variable
Facility Note in the form attached hereto as Exhibit C, plus such amount as Borrower may elect to add to the Variable Facility Commitment in accordance with Article 4, less such amount as Borrower may elect to convert from the Variable
Facility Commitment to the Fixed Facility Commitment in accordance with Section 1.08, and less such amount by which Borrower may elect to reduce the Variable Facility Commitment in accordance with Article 5. 
  
 Section 4. Maximum Amount of Increase in Commitment. The
increase in the Commitment will decrease the maximum amount of increase as set forth in Section 4.01(a) of the Master Agreement and that provision is hereby deleted from the Master Agreement and replaced in its entirety by the following: 

 
 Section 4.01(a). Maximum Amount of Increase in Commitment. The
maximum amount by which the Commitment may be increased is $110,000,000, for a maximum total Commitment of $250,000,000. 
  
 Section 5. Redemption of Bonds; Termination of Regulatory Agreements. Borrower hereby represents to Lender that the proceeds from certain
Series K bonds (the “Bonds”) had been lent to the then owners, and Borrower’s predecessors in interest (collectively, the “Owners”), of Summerwind Townhome Apartments, Regency Palm Court
Apartments, and Windsor Court Apartments (collectively, the “Bond Properties”). In connection with the issuance of the Bonds, certain Regulatory Agreements dated as of July 1, 1985 (the “Regulatory
Agreements”) were executed, delivered and recorded as encumbrances against the Bond Properties, as applicable. 
  
 Prior to the acquisition of the Bond Properties by Borrower, the Owners entered into that certain Payoff Procedures Agreement dated as of February 1, 2004
(the “Payoff Procedures Agreement”) whereby an escrow account was established to defease and redeem the Bonds, and the liens and mortgages securing the proceeds from the Bonds and encumbering the Bond Properties were
released. Pursuant to the express terms of the Payoff Procedures Agreement, the Bonds shall be redeemed on or about April 1, 2004. Upon the redemption of the Bonds, Borrower represents and warrants to Lender that the Regulatory Agreements will
terminate as to the Bond Properties, as applicable. 
  
 On or
before April 15, 2004, Borrower shall cause the title company to remove the Regulatory Agreements from Lender’s title policy issued in connection with the closing of the Loan by an appropriate 110.1 endorsement. If Borrower shall fail to cause
the removal of the Regulatory Agreements from Lender’s title policy as aforesaid, the same immediately shall constitute an Event of Default under the Master Agreement and the Loan Documents, thereby entitling Lender to any and all remedies
available to Lender pursuant to the Master Agreement and the Loan Documents. 
  

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 Section 6. Notices. Section 17.08 of the Master Agreement, as the same solely relates to
the notice address for Fannie Mae and its copied party, is hereby deleted from the Master Agreement and replaced by the following: 
  

			
	 As to Fannie Mae:
	  	Fannie Mae
	 	  	3939 Wisconsin Avenue, N.W.
	 	  	Washington, D.C. 20016-2899
	 	  	Attention: Vice President for
	 	  	                    Multifamily Asset Management
	 	  	Telecopy No.: (301) 280-2064
		
	 with a copy to:
	  	Venable LLP
	 	  	575 7th Street, N.W.
	 	  	Washington, D.C. 20004
	 	  	Attention: Lawrence H. Gesner, Esq.
	 	  	Telecopy No.: (202) 344-8300

  
 Section 7.
Capitalized Terms. All capitalized terms used in this Amendment which are not specifically defined herein shall have the respective meanings set forth in the Master Agreement. 
  
 Section 8. Full Force and Effect. Except as expressly modified by this Amendment, all terms and conditions of
the Master Agreement shall continue in full force and effect. 
  
 Section 9. Counterparts. This Amendment may be executed in counterparts by the parties hereto, and each such counterpart shall be considered an original and all such counterparts shall constitute one and the same instrument.

  
 Section 10. Applicable Law. The provisions of
Section 17.06 of the Master Agreement (entitled “Choice of Law; Consent to Jurisdiction; Waiver of Jury Trial”) are hereby incorporated into this Amendment by this reference to the fullest extent as if the text of such provisions were set
forth in their entirety herein. 
  
 [Remainder of Page Left
Intentionally Blank] 
  

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 IN WITNESS WHEREOF, the parties hereto have executed this Amendment as of the day and year first above
written. 
  

			
	BORROWER:
	
	BRE-FMCF, LLC, a Delaware limited liability company
		
	 By:
	 	BRE Properties, Inc., a Maryland corporation, its sole member
		
	 By:
	 	 /s/ Edward F. Lange, Jr.

	 	 	 Edward F. Lange, Jr.

	 	 	 Executive Vice President,

	 	 	 Chief Financial Officer and Secretary

  
 (Signatures
continued on next page) 
  

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	LENDER
	
	 PRUDENTIAL MULTIFAMILY MORTGAGE,
 INC., a
Delaware corporation

		
	 By:
	 	 /s/ Sharon D. Singleton

	 	 	 Sharon D. Singleton

	 	 	 Vice President

  

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