Single Grantee 10 Pages You may modify this sample agreement as necessary to best serve your situation. However, be sure to include all relevant provisions, and be aware that the Agency will approve your draft more quickly if it deviates little from this sample. Be aware also that special provisions may be necessary to carry out the specific provisions of your particular Grant Agreement. You may wish to set forth in a cover letter your reasons for deleting provisions in this sample that are not applicable to your proect. VCDP LOAN AND SECURITY AGREEMENT This Loan and Security Agreement, by and between the <TOW!"#T$!%#LLAG& o' <G(AT&&), %ermont *Lender+ and <A,& O- .O((OW&(, ./S#&SS O( non0ro'it) *.orrower+, <1&-#& ./S#&SS O( O2P(O-#T), with its 0rinci0al 0lace o' business at <G#%& "O,PL&T& A11(&SS), is e''ecti3e this 444444 day o' 44444444, <$&A() 44444, the 'irst day on which all 0arties hereto ha3e e5ecuted it6 PART I DEFINITIONS A+ As used in this document, the words and 0hrases set 'orth below shall ha3e the 'ollowing meanings7 1+ Agency means %ermont Agency o' "ommerce and "ommunity 1e3elo0ment6 8+ Agency Procedures means the 0rocedures o' the Agency described as Agency 0rocedures 'or the %ermont "ommunity 1e3elo0ment Program, as they may be amended 'rom time to time6 A co0y may be 'ound in the %"1P Grants ,anagement Guide9 users are encouraged to consult %"1P sta'' 'or current language6 :+ orro!er means <"O,PL&T& L&GAL A,& A1 1&S"(#PT#O)6 ;+ "Co##$%er$#" means <1&-#& "OLLAT&(AL .O((OW&( #S O.L#GAT#G)6 <+ Con&ers'on means changing the 'orm o' 'inancing o' a 0ro=ect, e6g6 'rom bridge 'inancing to 0ermanent 'inancing, that does not increase the amount o' debt6 >+ "De(%" means the Loan which this document secures, any and all renewals thereo', the indebtedness re0resented thereby, and any other indebtedness which is now or may herea'ter become due and owed 'rom .orrower to Lender6 ?+ "Encu)(r$nces" means those liens and encumbrances <#- A$) described in A00endi5 1 to this Loan Agreement, listed in the order o' their 0riority6 <#- APPL#"A.L&) Chapter 4-15 Grant Administration SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ @+ "Gr$n%" means the %ermont "ommunity 1e3elo0ment Program grant awarded to <G(AT&&) the terms o' which are re'lected in the Grant Agreement6 A+ Gr$n% Agree)en% means Grant Agreement B4444!44#G*44+ between the <TOW!"#T$!%#LLAG& o' G(AT&&) and the State o' %ermont, Agency o' "ommerce and "ommunity 1e3elo0ment, including all attachments and amendments thereto6 10+ CGr$n%ee means the <TOW!"#T$!%#LLAG&) o' <G(AT&&) that has recei3ed the Grant6 11+ "+UD" means the /6S6 1e0artment o' Dousing and /rban 1e3elo0ment6 18+ "Lender" means <TOW!"#T$!%#LLAG& o' G(AT&&)6 1:+ "Lo$n Agree)en%" means this Loan and Security Agreement6 1;+ N$%'on$# O(,ec%'&e means the s0eci'ic goals and 0ur0oses o' this 0ro=ect set 'orth in Attachment . o' the Grant Agreement6 1<+ Person$# gu$r$n%ee means the guarantee o' a 0rinci0al o' .orrower that, in the e3ent o' .orrowerEs de'ault with res0ect to this Loan, the 0rinci0al shall re0ay any o3erdue installment or installments, or the entire amount o' 0rinci0al and interest, that are due and 0ayable6 #' the 0rinci0al o' .orrower is married, the 0rinci0alEs s0ouse shall also sign and be bound by the 0ersonal guarantee6 1>+ Person$# -ro-er%y means the 0ersonal 0ro0erty owned or to be acFuired by .orrower 'or the 0ro=ect as described in A00endi5 8 hereto and to be described in the /""216 1?+ "Pro,ec%" means the 0ro=ect as described in Attachment . o' the Grant Agreement6 1@+ Re$# -ro-er%y means the real 0ro0erty *including im0ro3ements+ described in A00endi5 : to this Loan Agreement, sub=ect to the &ncumbrances described in A00endi5 1 to this Loan Agreement6 1A+ "Re.'n$nc'ng" means the restructuring o' all or a 0ortion o' a debt6 80+ "S$#e" means the trans'er, e5change, or other dis0osition, in consideration o' something o' 3alue, o' all or substantially all o' the real 0ro0erty, 0ersonal 0ro0erty or both, which trans'ers title and 0ossession o' the 0ro0erty6 Sale includes but is not limited to a sale under 'oreclosure *including a non2=udicial 'oreclosure sale 0ursuant to 18 %6S6A6 section ;<:1a, et seF6+ or a sale in lieu o' or trans'er 0ursuant to condemnation by a 0ublic authority6 81+ Secre%$ry means the Secretary o' the Agency6 88+ "Secur'%y In%eres%" means the /""21, e3idencing the interest in the Personal Pro0erty, and the mortgage, e3idencing the interest in the real 0ro0erty, that .orrower gi3es to Lender 0ursuant to this Loan Agreement6 8:+ "Sen'or De(%" means loan*s+ or other 'inancing arrangements 'or the Pro=ect 'rom the Senior Lenders, including, without limitation, construction, bridge and taGe2out 'inancing*s+, which indebtedness will be secured by mortgage and security interests in the Pro=ect9 the term HSenior Chapter 4-16 Grant Administration 1ebtH Chapter 4-17 Grant Administration SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ includes, without limitation, any re'inancing or other loan made 'or the Pro=ect, the 0roceeds o' which are used to re0ay or discharge e5isting Senior 1ebt6 8;+ "Sen'or #enders", i' any, means <A,& O( A,&S O- L&1&(S)6 8<+ S%$nd(y Agree)en% means an agreement signed by Lender, .orrower and all 0ersons who own 80I or more o' .orrower, or to whom .orrower owes a debt and who ha3e agreed to 'orego re0ayment o' that debt without 0rior written 0ermission o' Lender6 8>+ "VCDP" means the %ermont "ommunity 1e3elo0ment Program6 <A11 A$ OTD&( T&(,S APPL#"A.L& TO TD#S 1O"/,&T) PART II CONSIDERATION AND INCORPORATION OF GRANT AGREEMENT A+ Lender maGes this Loan to .orrower 0ursuant to, and as consideration 'or .orrowerEs acti3ities as set 'orth in, the Grant Agreement, which is incor0orated herein by re'erence, and a co0y o' which .orrower and Lender maintain in their res0ecti3e 'iles6 .+ .orrower agrees to re0ay the Loan under the terms o' .orrowerEs Promissory ote to Lender in the amount o' 4444444 dollars *J444444644+ dated 4444444, <in accordance with the (e3ol3ing Loan -und 0olicies and 0rocedures, i' a00licable)6 PART III SURVIVAL OF T+IS LOAN AGREEMENT A+ This Loan Agreement shall sur3i3e the closing contem0lated hereunder, and all obligations 0ursuant to this Agreement o' each 0arty hereto shall continue until the Loan has been re0aid in 'ull6 PART IV PURPOSE OF T+E LOAN A+ The 0ur0ose o' this loan shall be to su00ort the 0ro=ect and the achie3ement o' the ational Ob=ecti3e, as described in Attachment . o' the Grant Agreement6 The 0roceeds o' this Loan shall be used solely 'or .orrowerEs s0eci'ic acti3ities in connection with the 0ro=ect6 PART V TERMS OF T+E LOAN A+ This Loan is in the amount o' 444444444444444 dollars *J4444444600+, at 44I <sim0le) interest 0er year, <or com0ounded annually, monthly), 'or a 0eriod o' 444 years6 .+ Payments o' 0rinci0al and interest in the amount o' J44444644, 0ayable on the 444444 day o' each <,OTD!O( #- A/AL, O TD& 1A$!,OTD O- &A"D $&A(), shall begin on 444444444, <$&A()44444 , and the Loan shall be 'ully re0aid no later than <1AT&) 44444444444444446 Chapter 4-18 Grant Administration SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ <"+ 1e'erred 0ayment loan7 s0ell out the e5act terms, including7 1+ whether interest accrues during the 0eriod o' de'erred 0ayments9 8+ whether there are any 0ayments during 0eriod o' de'erral, such as either 0rinci0al or interest only, but not both9 :+ dates and amounts o' 0ayments, including month and year when they begin and end9 ;+ whether, and i' so, under what conditions *such as 'ailure to use 'or original 0ur0ose+, Lender can unilaterally terminate de'erral o' loan and!or declare loan to be in de'ault *coordinate with de'ault 0ro3isions in Part K#% o' this Loan Agreement+ <+ result o' termination o' de'erral, such as total 0rinci0al and interest due, and any ad3ances by lender, becoming due and 0ayable in 'ull within 5 0eriod o' time6) PART VI PREPAYMENT A+ .orrower may 0re0ay any 0ortion or all o' this Loan at any time without 0enalty6 Any amounts 0aid in e5cess o' the regular 0ayment due shall be a00lied to reduce the 0rinci0al amount o' the Loan6 PART VII SECURITY A+ .orrower hereby grants to Lender as security 'or this loan7 1+ <a mortgage deed o' a00ro5imately e3en date herewith mortgaging the real 0ro0erty)9 8+ <a security interest in the 0ersonal 0ro0erty)9 :+ <the 0ersonal guarantee o' 444444444444444444444444444444444 and 444444444444444444444444444444444444)9 ;+ <a standby agreement i' a00licable) PART VIII PRIORITY A+ The 0riority o' each security interest set 'orth abo3e shall be as 'ollows7 /SET FORT+ IN ORDER OF PRIORITY ALL SECURITY INTERESTS 0IT+ RESPECT TO T+E REAL PROPERTY AND T+E PERSONAL PROPERTY1 RESPECTIVELY1 INCLUDING ALL SENIOR SECURITY INTERESTS AND ALL SECURITY INTERESTS INCIDENT TO T+IS PRO2ECT34 PART I5 LENDER6S COVENANTS A+ LOA7 Lender shall, in accordance with the terms and conditions o' the Grant Agreement, maGe this Loan to .orrower6 Chapter 4-19 Grant Administration SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ .+ 1#S./(S&,&TS7 1isbursements shall be made u0 to the loan ma5imum, u0on reFuest by .orrower, outlining the 0ur0oses 'or which the 'unds shall be used, so long as the reFuest is in accordance with a00licable 'ederal and State law, regulation, and 0rocedure, and the Grant Agreement6 "+ PA$,&TS .$ L&1&(7 Lender shall ha3e the right, in LenderEs sole discretion, to maGe 0ayments to 0rotect this Loan6 All such 0ayments shall be added to the 0rinci0al o' this Loan, and interest at the rate o' this Loan shall accrue thereon 'rom the date the 0ayment is made6 PART 5 ORRO0ER6S REPRESENTATIONS A+ %&(,OT ./S#&SS7 .orrower certi'ies that, as o' the date o' e5ecution o' this Agreement, .orrower has 0ro3ided to Lender a co0y o' a currently e''ecti3e certi'icate o' authority to do business in the State o' %ermont6 .+ OTD&( (&SO/("&S7 .orrower hereby certi'ies that .orrower has 0ro3ided to Lender documentation o' 'irm commitments o' the Other (esources identi'ied in Attachment . o' the Grant Agreement, including the 0ur0ose 'or which they are to be used and any conditions attached to their e50enditure6 "+ "&(T#-#"AT#OS7 .orrower hereby maGes the 'ollowing additional certi'ications, in 'orm satis'actory to Lender, that, as o' the date o' e5ecution o' this Agreement7 1+ .orrower is in good standing with res0ect to, or in 'ull com0liance with a 0lan to 0ay, any and all 'ederal, state and local ta5es9 8+ .orrower is current on or is in 'ull com0liance with a 0lan to 0ay, any and all debt 'inancing9 :+ there are no liens, =udgments or encumbrances, other than those recorded in the land records o' Grantee, or disclosed to the Agency 0rior to e5ecution o' the Grant Agreement, or disclosed no later than at the e5ecution o' this Loan and Security Agreement9 and ;+ .orrowerEs re0resentations with res0ect to the 'inancial and o0erational as0ects o' the business in the written documents 0re3iously 0ro3ided to Lender remain accurate and not misleading6 PART 5I ORRO0ER6S COVENANTS A+ AT#OAL O.L&"T#%&7 .orrower commits to achie3e the ational Ob=ecti3e as identi'ied in Attachment . o' the Grant Agreement, and to maintain documentation as may be reFuired by the Grant Agreement and otherwise necessary to clearly demonstrate that .orrower has achie3ed the ational Ob=ecti3e6 .+ OT#"& O- "DAG&7 .orrower, its successors and assigns, 'or a 0eriod o' 'i3e years 'rom the "om0letion 1ate set 'orth in the Grant Agreement, shall gi3e timely notice to the Grantee and to the Agency should there be the antici0ation o' a sale o' all or a 0ortion o' the 'acility assisted using %"1P 'unds to any Chapter 4-20 SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ 0erson or entity who will use it 'or any changed 0ur0ose7 o' discontinuance o' o0eration o' all or a 0ortion o' the 'acility7 or o' material alteration or e50ansion o' its 0ur0ose or 'unction6 All such actions shall constitute a de'ault, in which case Grantee may e5ercise all o0tions a3ailable at law as may be reFuired to 0rotect or reca0ture the 'unds made a3ailable through the %"1P6 "+ #S/(A"&7 -or the duration o' the Loan, or 'or a 0eriod beginning with the e5ecution o' this Loan and Security Agreement and continuing 'or at least < years a'ter the "om0letion 1ate, whiche3er is longer, .orrower shall taGe out, 0ay 'or and Gee0 in 'ull 'orce, insurance on the "ollateral against such risGs, in such amounts, with such insurance carrier, and with such loss 0ayable clause as shall be satis'actory to Lender, and shall 'urnish Lender with the satis'actory e3idence o' such insurance6 1+ P&(,#TS7 .orrower shall secure all 'ederal, state and local 0ermits that are necessary, and shall com0ly with any conditions related to the disbursement o' 'unds im0osed by agencies reFuiring them6 .orrower has identi'ied all 0ermits necessary 'or the 0ro=ect, and has secured those necessary to commence acti3ities6 &+ &,PLO$,&T AG(&&,&T7 .orrower shall enter into and com0ly with the terms o' an &m0loyment Agreement i' reFuired by the Grant Agreement6 -+ (&PO(TS7 .orrower shall submit 'inancial and o0erational re0orts to Lender as Lender may reasonably reFuest, and Lender shall ha3e access to the records o' the business during normal business hours or as arranged in ad3ance6 .orrowerEs 'ailure to 0ro3ide such in'ormation as reFuested within <L&1&( S&TS T#,& -(A,&, O( STAT&S A,O/T O- T#,& "OS#ST&T W#TD L&1&( S LOA POL#"$, #- A$) and!or the 0ro3ision o' in'ormation that a00ears to be inaccurate or incom0lete, unless remedied within 1< days, shall constitute an e3ent o' de'ault6 G+ O -#A"#AL "DAG&7 .orrower shall maGe no material change in the 'inancial or o0erational as0ects o' the business, s0eci'ically including but not limited to the borrowing o' additional money, the granting o' additional liens signi'icantly altering the 0lan 'or ca0ital e50enditures, salaries o' 0artners or em0loyees, or .orrowerMs 0roduct or ser3ice, without the 0rior written consent o' Lender, e5ce0t as otherwise 0ro3ided 'or in this Loan Agreement6 D+ OTD&( L#&S A1 &"/,.(A"&S7 .orrower shall use no 0roceeds o' this Loan to discharge any lien or other encumbrance6 #+ (&-#A"#G7 .orrower shall not re'inance the loan or restructure .orrowerEs debt without the 0rior written a00ro3al o' Lender6 %"1P 'unds shall not be used to restructure debt in any way, e5ce0t where the 0ro=ect in3ol3es the use o' %"1P 'unds to con3ert tem0orary bridge or construction 'inancing to 0ermanent 'inancing6 L+ T#TL& #S/(A"&7 Prom0tly a'ter the closing .orrower shall 0ro3ide Lender with 0roo' that .orrower has a 0olicy 'or title insurance in no less than the sum o' the 'ull amount o' this Loan and the amounts o' all mortgages, liens and other encumbrances ha3ing a higher 0riority than this Loan6 SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ PART 5II PASS T+ROUG+ PROVISIONS A+ #n addition to binding .orrower, the 'ollowing 0ro3isions shall be included in all contracts between .orrower and any other contractor related to the 0ro=ect, and shall bind all such other contractors6 .+ "O-L#"T O- #T&(&ST7 .orrower agrees to com0ly with the reFuirements o' Section K% o' the Grant Agreement and Agency Procedures, "ha0ter A and "ha0ter 10, Section 106: 6 1+ #n addition, in order to a3oid both a con'lict o' interest and the a00earance o' undue in'luence, no o''icer o' .orrower nor any member o' .orrowerEs .oard o' 1irectors em0loyed by Lender or holding any electi3e or a00ointi3e munici0al o''ice in Lender shall 0artici0ate in any discussions with any decision maGers o' Lender or attend any 0ublic hearing concerning, 3ote u0on or taGe any action with res0ect to any matter in3ol3ing this Agreement or the Pro=ect 'or the longer 0eriod o'7 a+ 'rom the date o' e5ecution o' this Agreement until 'i3e years a'ter the "om0letion 1ate set 'orth in the Grant Agreement, or b+ while the loan is outstanding, or c+ during a 0ersonEs tenure with Lender and 'or one year therea'ter6 8+ o 0erson described in 0aragra0h 1 o' this section, or any 0erson with whom such a 0erson has 'amily or business ties, may 0artici0ate in a decision maGing 0rocess or gain inside in'ormation with regard to the acti3ities 'unded by %"1P, obtain a 'inancial interest in or bene'it 'rom the acti3ity, or ha3e an interest in any contract, subcontract or agreement with res0ect thereto, or the 0roceeds thereunder, 'or the a00licable time 0eriod set 'orth in 0aragra0h 16 "+ (&T&T#O O- A1 A""&SS TO (&"O(1S7 .orrower agrees to com0ly with the reFuirements o' Section KK o' the Grant Agreement, and the reFuirements o' Agency Procedures, "ha0ter :6 1+ -inancial records, su00orting documents, statistical records, and all other records 0ertinent to this %"1P 0ro=ect shall be retained in accordance with Agency Procedures, "ha0ter :6 8+ AuthoriNed re0resentati3es o' the Secretary o' the Agency, the Secretary o' D/1, the #ns0ector General o' the /nited States, or the /6S6 General Accounting O''ice shall ha3e access to all booGs, accounts, records, re0orts, 'iles, 0a0ers, things, or 0ro0erty belonging to, or in use by, the Grantee, .orrower or other subreci0ients, i' any, 0ertaining to the recei0t and administration o' %ermont "ommunity 1e3elo0ment Program 'unds, as may be necessary to maGe audits, e5aminations, e5cer0ts, and transcri0ts6 SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ 1+ &O/AL OPPO(T/#T$7 .orrower agrees to com0ly with the reFuirements o' Section K%# o' the Grant Agreement, Title 81 %6S6A6 "ha0ter <, Subcha0ter > *;A<2;A<h+, relating to 'air em0loyment 0ractices, and Title A %6S6A6 "ha0ter 1:A, Sections ;<0: and ;<0;, relating to 'air housing 0ractices6 &+ #T&(P(&TAT#O7 This Agreement shall be go3erned by and construed in accordance with the laws o' the State o' %ermont and the laws o' the /nited States o' America, where a00licable6 PART 5III MISCELLANEOUS PROVISIONS A+ (&%#S#OS A1 A,&1,&TS7 (e3isions and amendments to this Loan Agreement shall only be made 0ursuant to Section KK% o' the Grant Agreement6 All amendments to this Loan Agreement shall be reduced to writing and shall be e5ecuted by all 0arties to the document6 .orrower acGnowledges that the Agency may reFuire an amendment to this Agreement to ensure, or enhance the 0ossibility o', .orrowerEs achie3ing the ational Ob=ecti3e6 A co0y o' any amendment to this document shall be submitted to the Agency 'or its a00ro3al 0rior to e5ecution o' the amendment6 Any amendment to this Agreement shall sur3i3e the closing with res0ect thereto6 .+ &%#(O,&TAL (&%#&W7 Pursuant to Subsections %### o' the Grant Agreement, there shall be no reimbursement using %"1P 'unds 'or any e50enses incurred 'or acti3ities commenced 0rior to the date the Agency issues the otice o' (elease o' -unds6 "+ PA(AG(APD T#TL&S7 The titles to the 0aragra0hs o' this Agreement are used solely 'or 0ur0oses o' identi'ication, and are not to be construed as a''ecting the meaning o' the language o' the 0aragra0hs6 1+ OT#"& A11(&SS&S7 .orrower and Lender shall gi3e one another notice 0ursuant to this Agreement at the addresses set 'orth below 'or each, and shall Gee0 the other in'ormed in any change o' address 'or notice 0ur0oses7 Lender74444444444444444444444444444 .orrower7444444444444444444444444444444 4444444444444444444444444444444444 44444444444444444444444444444444444444 4444444444444444444444444444444444 44444444444444444444444444444444444444 L#ST A$ OTD&( "O1#T#OS O TD& LOA O( G&&(AL "O1#T#OS O( P(O%#S#OS) PART 5IV DEFAULT AND REMEDIES A+ 1&-A/LT7 #' any o' the 'ollowing e3ents o' de'ault shall occur without being cured within </,.&( O- 1A$S) days 'rom the date that written notice o' such de'ault is recei3ed by .orrower 'rom Lender, the 1ebt secured by this Loan Agreement shall immediately become due and 0ayable <L&1&( S&TS T#,& -(A,& O( STAT&S A,O/T O- T#,& "OS#ST&T W#TD L&1&(ES LOA POL#"$, #- A$)6 SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ .+ The 'ollowing e3ents shall constitute e3ents o' de'ault7 1+ 'ailure to com0ly with all a00licable 0ro3isions o' the Grant Agreement9 8+ 'ailure to 0er'orm any o' .orrowerEs obligations under this Loan Agreement9 :+ 'ailure to 0er'orm as reFuired by any document that secures this Loan6 <A11 A$ OTD&( SP&"#-#" 1&-A/LT P(O%#S#OS D&(&6) "+ (&,&1#&S7 #' .orrower 'ails to 0ay the 1ebt or cure any breach or de'ault 0rior to the e50iration o' the <B 1A$S) day notice 0eriod, Lender may in3oGe 'oreclosure o' this Loan Agreement, or any other remedy allowed by the Grant Agreement, this Loan Agreement, or any other document related to this Loan, or by law6 1+ (&,&1#&S "/,/LAT#%&7 All remedies 0ro3ided in this agreement are distinct and cumulati3e to any other right or remedy under this agreement, or otherwise a3ailable by law, and may be e5ercised concurrently, inde0endently or successi3ely6 &+ -O(.&A(A"& OT A WA#%&(7 Any 'orbearance by Lender in e5ercising any right or remedy hereunder, or otherwise a''orded by a00licable law, shall not be a wai3er o' or 0reclude the e5ercise o' any such right or remedy6 PART 5V APPROVAL A+ This Agreement, and all amendments hereto, must be a00ro3ed by the Agency 0rior to e5ecution6 Per'ormance hereunder is sub=ect to and sus0ended until such a00ro3al6 # W#T&SS WD&(&O- this Agreement is e5ecuted at the 0lace and on the date noted 'or each 0arty6 .$ L&1&(7 TD& <TOW!"#T$ %#LLAG&) o' <G(AT&&) 44444444444444444444444444444444444444444 444444444444444444444444444 AuthoriNed Signature Place o' e5ecution 44444444444444444444444444444444444444444444444444444 44444444444444 Ty0ed name and title 1ate SAMPLE LOAN AND SECURITY AGREEMENT* Single Grantee *continued+ .$ .O((OW&(7 444444444444444444444444444444444444444444444444 Ty0ed name o' business or non0ro'it 44444444444444444444444444444444444444444 444444444444444444444444444 AuthoriNed Signature Place o' e5ecution 44444444444444444444444444444444444444444444444444444 44444444444444 Ty0ed name and title 1ate