AMERICAN LAWYER MEDIA HOLDINGS INC
THIRD AMENDMENT TO THE CREDIT AGREEMENT
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<TYPE>EX-10.18
<SEQUENCE>5
<FILENAME>y95439exv10w18.htm
<DESCRIPTION>THIRD AMENDMENT TO THE CREDIT AGREEMENT
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<P align="right" style="font-size: 10pt">Exhibit&nbsp;10.18



<P align="center" style="font-size: 10pt"><B>THIRD AMENDMENT TO CREDIT AGREEMENT</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>THIS THIRD AMENDMENT TO CREDIT AGREEMENT </B>(this &#147;<B>Amendment</B>&#148;) is made and
entered into this 16th day of December, 2003, by and among <B>THE NEW YORK LAW
PUBLISHING COMPANY</B>, a New York corporation (&#147;<B>Borrower</B>&#148;), <B>AMERICAN LAWYER MEDIA
HOLDINGS, INC.</B>, a Delaware corporation (&#147;<B>Holdings</B>&#148;), <B>AMERICAN LAWYER MEDIA,
INC.</B>, a Delaware corporation (&#147;<B>Parent</B>&#148;), <B>GENERAL ELECTRIC CAPITAL CORPORATION</B>,
a Delaware corporation (in its individual capacity, &#147;<B>GE Capital</B>&#148;), for itself,
as Lender, and as Agent for Lenders.


<P align="center" style="font-size: 10pt"><B>Statement of Facts</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>A.&nbsp;</B>Borrower, Parent, Holdings, and GE Capital (as Agent and Lender) are
parties to that certain Credit Agreement, dated as of May&nbsp;1, 2002, as amended
by that certain First Amendment to Credit Agreement, dated as of November&nbsp;12,
2002, as further amended by that certain Second Amendment to Credit Agreement,
dated as of February&nbsp;27, 2003 (collectively, the &#147;<B>Credit Agreement</B>&#148;;
capitalized terms used but not defined in this Amendment have the meanings
given in the Credit Agreement, as amended by this Amendment), whereby the
Lenders have made certain extensions of credit to Borrower.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>B.&nbsp;</B>The parties desire to amend the Credit Agreement as set forth in this
Amendment.


<P align="center" style="font-size: 10pt"><B>Statement of Terms</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NOW THEREFORE</B>, in consideration of the premises and mutual covenants
contained herein, and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.&nbsp;Amendments to Credit Agreement. </B>Subject to the terms and conditions of
this Amendment, the Credit Agreement is hereby amended as follows:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;Section&nbsp;2.2(f) of the Credit Agreement is hereby deleted in its
entirety.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;Section&nbsp;6.18 of the Credit Agreement is hereby amended by
deleting the &#147;.&#148; at the end of the first sentence thereof and inserting
the following:


<P>
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    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(excluding all operating lease payments under that certain First
Amendment to and Assignment of Lease, by and between 1140
Associates, c/o Williams Real Estate Co., Inc. and Law.com, Inc.;
provided that the annual net lease payments thereunder shall not
exceed $500,000 in any Fiscal Year).</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;Annex A of the Credit Agreement is hereby amended by deleting
the definition of &#147;Real Legal Lease&#148;.


<P align="center" style="font-size: 10pt">&nbsp;
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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;Section&nbsp;2 of that certain First Amendment to Credit Agreement,
dated as of November&nbsp;12, 2002, by and among the parties hereto, entitled
&#147;Exclusion of Real Legal Lease Obligations&#148; is hereby deleted in its
entirety.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>2.&nbsp;Consent. </B>(a)&nbsp;Subject to the terms and conditions of this Amendment,
notwithstanding Sections&nbsp;6.1 and 6.4 of the Credit Agreement to the contrary,
each of Agent and Lender hereby consents to Borrower&#146;s acquisition of (the
&#147;<B>Asset Purchase</B>&#148;) all or substantially all of the assets, properties, rights
and interests of RealLegal, LLC used in the business of delivering electronic
court calendar information via a product called MA3000 (the &#147;<B>Acquired Assets</B>&#148;)
pursuant to that certain Asset Purchase Agreement, dated January&nbsp;1, 2004, by
and between American Lawyer Media Holdings, Inc. and RealLegal, LLC (the &#147;<B>Asset
Purchase Agreement</B>&#148;); provided that (i)&nbsp;the aggregate cash purchase price paid
by Borrower and all other Credit Parties in connection with the Asset Purchase
shall not exceed $2,200,000, and (ii)&nbsp;Borrower complies with each of the
applicable provisions set forth in Section&nbsp;6.1(b) of the Credit Agreement,
including, without limitation, that the Purchased Asset be acquired by or
contemporaneously transferred to Borrower or any Subsidiary of Borrower.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;Borrower and each of the other Credit Parties (i)&nbsp;agree that Agent
shall be granted a first priority perfected Lien (subject to Permitted
Encumbrances) in all assets acquired in connection with the Asset Purchase, and
(ii)&nbsp;shall execute and deliver such documents and will take such actions as may
be required by Agent in connection therewith.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>3.&nbsp;Representations and Warranties. </B>Borrower and each other Credit Party
hereby represent and warrant to the Agent and the Lenders that (a)&nbsp;this
Amendment has been duly authorized, executed and delivered by Borrower and each
Credit Party signatory thereto, (b)&nbsp;after giving effect to this Amendment, no
Default or Event of Default has occurred and is continuing as of this date, and
(c)&nbsp;all of the representations and warranties made by Borrower or any Credit
Party in the Credit Agreement are true and correct in all material respects on
and as of the date of this Amendment and after giving effect to this Amendment
(except to the extent that any such representations or warranties (i)&nbsp;expressly
referred to a specific prior date, or (ii)&nbsp;have changed based upon events
expressly permitted by the Credit Agreement).


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.&nbsp;Ratification. </B>Borrower and each other Credit Party hereby ratify and
reaffirm each and every term, covenant and condition set forth in the Credit
Agreement and the other Loan Documents delivered by Borrower and the other
Credit Parties in connection therewith, effective as of the date hereof and
after giving effect to this Amendment.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.&nbsp;Waiver by Borrower and Credit Parties. </B>Borrower and each other Credit
Party hereby waive any claim, counterclaim, defense, demand, action or suit of
any kind or nature whatsoever against the Lenders and the Agent arising on or
prior to the date of this Amendment in connection with any of the Loan
Documents or the transactions contemplated thereunder.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>6.&nbsp;Reimbursement of Expenses. </B>Additionally, Borrower and each of the
other Credit Parties hereby agree to reimburse the Agent and the Lenders on
demand for all reasonable costs and expenses (including without limitation
reasonable attorney&#146;s fees) incurred by such parties in connection with the
negotiation, documentation and consummation of this Amendment


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<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%; font-size: 10pt">and the other documents executed in connection herewith and therewith and the
transactions contemplated hereby and thereby.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>7.&nbsp;Conditions to Effectiveness. </B>This Amendment shall be effective as of
December&nbsp;31, 2003 (the &#147;Amendment Effective Date&#148;), subject to the Agent&#146;s
receipt of (i)&nbsp;this Amendment, duly executed, completed and delivered by the
Agent, each of the Lenders, and Borrower; (ii)&nbsp;all written notices,
certificates, the Acquisition Pro Forma, the Acquisition Projections, final and
complete copies of the Asset Purchase Agreement and all other documents
executed in connection therewith (provided that Borrower shall deliver executed
copies of such agreements and other documents as soon as practicable, but in no
event later than January&nbsp;16, 2004), and any other documents required to be
delivered by Borrower pursuant to Section&nbsp;6.1(b) of the Credit Agreement; and
(iii)&nbsp;payment of all reasonable fees, costs and expenses (including the fees,
costs and expenses of counsel or other advisors) incurred by or on behalf of
Agent in connection with this Amendment and any of the other Loan Documents.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>8.&nbsp;Governing Law. </B>THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK FOR CONTRACTS TO BE
PERFORMED ENTIRELY WITHIN SAID STATE.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>9.&nbsp;Severability of Provisions. </B>Any provision of this Amendment which is
prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction,
be ineffective 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. To the extent
permitted by applicable law, Borrower and each of the other Credit Parties
hereby waives any provision of law that renders any provision hereof prohibited
or unenforceable in any respect.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>10.&nbsp;Counterparts</B>. This Amendment may be executed in any number of
counterparts, all of which shall be deemed to constitute but one original and
shall be binding upon all parties, their successors and permitted assigns.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>11.&nbsp;Entire Agreement</B>. The Credit Agreement as amended by this Amendment
embodies the entire agreement between the parties hereto relating to the
subject matter hereof and supersedes all prior agreements, representations and
understandings, if any, relating to the subject matter hereof.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>12.&nbsp;No Other Amendments, Waivers or Consents</B>. Except for the (x)&nbsp;prior
waivers and consents granted pursuant to that certain Post-Closing Letter
Agreement, dated May&nbsp;1, 2002, between Borrower and Agent, as amended by that
certain Amendment to Post-Closing Letter Agreement, dated May&nbsp;10, 2002, between
Borrower and Agent, as further amended by that certain Second Amendment to
Post-Closing Letter Agreement, dated May&nbsp;17, 2002, between Borrower and Agent,
and as further amended by that certain Third Amendment to Post-Closing Letter
Agreement, dated June&nbsp;11, 2002, between Borrower and Agent and (y)&nbsp;amendments
expressly set forth and referred to in Section&nbsp;1 above, the Credit Agreement
and the other Loan Documents shall remain unchanged and in full force and
effect. Nothing in this Amendment is intended, or shall be construed, to
constitute a novation or an accord and satisfaction of any of


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<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%; font-size: 10pt">the Obligations or to modify, affect or impair the perfection or continuity of
the Agent&#146;s and the Lenders&#146; security interests in, security titles to or other
Liens on any Collateral.


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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>IN WITNESS WHEREOF</B>, the parties have caused this Amendment to be duly
executed by their respective duly authorized officers, as of the date first
above written.

<DIV align="center">
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    <TD width="5%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
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    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>THE NEW YORK LAW PUBLISHING COMPANY</B></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Allison Hoffman</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>

    <TD align="left" valign="top" colspan="2"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Name:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Allison Hoffman</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Title:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>AMERICAN LAWYER MEDIA HOLDINGS, INC.</B></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Allison Hoffman</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>

    <TD align="left" valign="top" colspan="2"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Name:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Allison Hoffman</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Title:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>AMERICAN LAWYER MEDIA, INC.</B></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Allison Hoffman</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top" colspan="2"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Name:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Allison Hoffman</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Title:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>LAW.COM, INC.</B></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Allison Hoffman</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top" colspan="2"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Name:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Allison Hoffman</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Title:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>GENERAL ELECTRIC CAPITAL</B></TD>
</TR>

<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>CORPORATION, </B>as Agent and Lender</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Raymond N. Shu</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top" colspan="2"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Name:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Raymond N. Shu</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Title: Duly Authorized Signatory</TD>
</TR>

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