Exhibit 5e
Adoption Agreement for Home Federal Savings Bank
Employee's Savings and Profit Sharing Plan and Trust
24
ADOPTION AGREEMENT
FOR
HOME FEDERAL SAVINGS BANK
EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST
Name of Employer: Home Federal Savings Bank
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Address: 101 North Broadway, Spring Valley, MN 55975
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Phone No.: 507-346-7345
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Contact Person: Susan Thompson, Assistant Secretary
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Name of Plan: Home Federal Savings Bank Employees' Savings & Profit
Sharing Plan and Trust
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THIS ADOPTION AGREEMENT, upon execution by the Employer and the Trustee, and
subsequent approval by a duly authorized representative of Pentegra Services,
Inc. (the "Sponsor"), together with the Sponsor's Employees' Savings & Profit
Sharing Plan and Trust Agreement (the "Agreement"), shall constitute the HOME
FEDERAL SAVINGS BANK Employees' Savings & Profit Sharing Plan and Trust (the
"Plan"). The terms and provisions of the Agreement are hereby incorporated
herein by this reference; provided, however, that if there is any conflict
between the Adoption Agreement and the Agreement, this Adoption Agreement shall
control.
The elections hereinafter made by the Employer in this Adoption Agreement may
be changed by the Employer from time to time by written instrument executed by
a duly authorized representative thereof; but if any other provision hereof or
any provision of the Agreement is changed by the Employer other than to satisfy
the requirements of Section 415 or 416 of the Internal Revenue Code of 1986, as
amended (the "Code"), because of the required aggregation of multiple plans, or
if as a result of any change by the Employer the Plan fails to obtain or retain
its tax-qualified status under Section 401(a) of the Code, the Employer shall
be deemed to have amended the Plan evidenced hereby and by the Agreement into
an individually designed plan, in which event the Sponsor shall thereafter have
no further responsibility for the tax-qualified status of the Plan. However,
the Sponsor may amend any term, provision or definition of this Adoption
Agreement or the Agreement in such manner as the Sponsor may deem necessary or
advisable from time to time and the Employer and the Trustee, by execution
hereof, acknowledge and consent thereto. Notwithstanding the foregoing, no
amendment of this Adoption Agreement or of the Agreement shall increase the
duties or responsibilities of the Trustee without the written consent thereof.
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I. EFFECT OF EXECUTION OF ADOPTION AGREEMENT
The Employer, upon execution of this Adoption Agreement by a duly
authorized representative thereof, (choose 1 or 2):
1. / / Establishes as a new plan the HOME FEDERAL SAVINGS BANK
Employees' Savings & Profit Sharing Plan and Trust,
effective , 19 .
2. /x/ Amends its existing defined contribution plan and trust
(Home Federal Savings Bank 401(k) Plan) dated
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January 2, 19 92 , in its entirety into the Home
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Federal Savings Bank Employees' Savings & Profit Sharing
Plan and Trust, effective August 1, 19 96,
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except as otherwise provided herein or in the Agreement.
II. DEFINITIONS
A. "Contribution Determination Period" for purposes of determining and
allocating Employer profit sharing contributions means (choose 1,2, 3
or 4):
1. /X/ The Plan Year.
2. / / The Employer's Fiscal Year (defined as the Plan's
"limitation year") being the twelve (12) consecutive month
period commencing ___ (month/day) and ending
month/day).
3. / / The three (3) consecutive monthly periods that comprise
each of the Plan Year quarters.
4. / / The three (3) consecutive monthly periods that comprise
each of the Employer's Fiscal Year quarters. (Employer's
Fiscal Year is the twelve (12) consecutive month period
commencing _____________________ (month/day) and ending
_____________________ (month/day).)
B. "Effective Date" means August 1, 19 96.
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C. Employer
1. "Employer," for purposes of the Plan, shall mean:
HOME FEDERAL SAVINGS BANK
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2. The Employer is (choose whichever may apply):
(a) / / A member of a controlled group of corporations under
Section 414(b) of the Code.
(b) / / A member of a group of entities under common control
under Section 414(c) of the Code.
(c) / / A member of an affiliated service group under Section
414(m) of the Code.
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(d) /x/ A corporation.
(e) / / A sole proprietorship or partnership.
(f) / / A Subchapter S corporation.
3. Employer's Taxable Year Ends on 12/31 .
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4. Employer's Federal Taxpayer Identification Number is
41 - 0318319.
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5. Employer's Plan Number is (enter 3-digit number) 004 .
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D. "Entry Date" means the first day of the (choose 1 or 2):
1. /x/ Calendar month coinciding with or next following the date
the Employee satisfies the Eligibility requirements
described in Section III.
2. / / Calendar quarter coinciding with or next following the date
the Employee satisfies the Eligibility requirements
described in Section III.
E. "Member" means an Employee enrolled in the membership of the Plan.
F. "Normal Retirement Age" means (choose 1 or 2):
1. /x/ Attainment of age 65 (select an age not less than 55
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and not greater than 65).
2. / / Later of: (i) attainment of age 65 or (ii) the fifth
anniversary of the date the Member commenced participation
in the Plan.
G. "Normal Retirement Date" means the first day of the first calendar
month coincident with or next following the date upon which a Member
attains his or her Normal Retirement Age.
H. "Plan Year" means the twelve (12) consecutive month period beginning
on each January 1.
I. "Salary" for benefit purposes under the Plan means (choose 1, 2 or
3):
1. / / Basic Salary only.
2. / / Basic Salary plus one or more of the following (if 2 is
chosen, then choose (a), (b) or (c), whichever shall
apply):
(a) / / Commissions not in excess of $__________ .
(b) / / Overtime
(c) / / Overtime and bonuses
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3. /x/ Total taxable compensation as reported on form W-2
(exclusive of any compensation deferred from a prior year
and Exclusive of any RRP compensation.)
Note: Member pre-tax elective deferrals, if any, are always
included in Plan Salary.
J. "Salary" shall not include:
/ / Member pre-tax contributions to a Code Section 125 cafeteria
plan.
III. ELIGIBILITY REQUIREMENTS
A. All Employees shall be eligible to participate in the Plan in
accordance with the provisions of Article II of the Plan, except the
following Employees shall be excluded (choose whichever shall apply):
1. /x/ Employees who have not attained age 21.
2. /x/ Employees who have not, during the 12 consecutive
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month period (1-11, 12 or 24) beginning with an Employee's
Date of Employment, Date of Reemployment or any anniversary
thereof, completed 1,000 number of
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Hours of Service (determined by multiplying the number of
months above by 83 1/3).
Note: Employers which permit Members to make pre-tax
elective deferrals to the Plan (see V.A.3.) may
not elect a 24 month eligibility period.
3. / / Employees included in a unit of Employees covered by a
collective bargaining agreement, if retirement benefits
were the subject of good faith bargaining between the
Employer and Employee representatives.
4. / / Employees who are nonresident aliens and who receive no
earned income from the Employer which constitutes income
from sources within the United States.
5. / / Employees included in the following job classifications:
(a) / / Hourly Employees
(b) / / Salaried Employees
6. / / Employees of the following employers which are aggregated
under Section 414(b), 414(c) or 414(m) of the Code:
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Note: If no entries are made above, all Employees shall be
eligible to participate in the Plan on the later of:
(i) the Effective Date or (ii) the first day of the
calendar month or calendar quarter (as designated by
the Employer in Section II.D.) coinciding with or
immediately following the Employee's Date of
Employment or, as applicable, Date of Reemployment.
B. Such Eligibility Computation Period established above shall be
applicable to (choose 1 or 2):
1. /x/ Both present and future Employees.
2. / / Future Employees only.
C. Such Eligibility requirements established above shall be (choose 1 or
2):
1. /x/ Applied to the designated Employee group on and after the
Effective Date of the Plan.
2. / / Waived for the ____ consecutive monthly period (may not
exceed 12) beginning on the Effective Date of the Plan.
IV. HOURS OF EMPLOYMENT AND PRIOR EMPLOYMENT CREDIT
A. The number of Hours of Employment with which an Employee or Member is
credited shall be (choose 1 or 2):
1. /x/ The actual number of Hours of Employment. (Hour of Service
Method)
2. / / 83 1/3 Hours of Employment for every month of Employment.
(Elapsed Time Method)
B. Prior Employment Credit:
/ / Employment with the following entity or entities shall be
included for eligibility and vesting purposes:
Note: If this Plan is a continuation of a Predecessor Plan,
service under the Predecessor Plan shall be counted as
Employment under this Plan.
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V. CONTRIBUTIONS
Note: Annual Member pre-tax elective deferrals, Employer matching
contributions, Employer basic contributions, Employer
supplemental contributions, Employer profit sharing
contributions and Employer Qualified Non-Elective contributions,
in the aggregate, may not exceed 15% of all Members' Salary
(excluding from
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Salary Member pre-tax elective deferrals).
A. Employee Contributions (choose 1 or 2; 3 or 4; 5 and/or 6):
1. / / A Member may make after-tax contributions to the Plan,
based on multiples of 1% of monthly Salary.
2. /x/ A Member may not make after-tax contributions to the Plan.
3. /x/ A Member may make pre-tax elective deferrals to the Plan,
based on multiples of 1% of monthly Salary.
4. / / A Member may not make pre-tax elective deferrals to the
Plan.
5. /x/ The maximum amount of monthly contributions a Member may
make to the Plan is 12 % (1-20) of the Member's monthly
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Salary.
6. /x/ An Employee may allocate a rollover contribution to the
Plan prior to satisfying the Eligibility requirements
described above.
B. A Member may change his or her contribution rate (choose 1 or 2):
1. /x/ 1 time per calendar month.
2. / / 1 time per calendar quarter.
C. Employer Matching Contributions (choose 1, 2, 3 or 4; and fill in 5
if applicable):
1. / / No Employer matching contributions will be made to the
Plan.
2. /x/ The Employer shall allocate to each contributing Member's
Account an amount equal to 25% (based on 5% increments not
to exceed 200%) of the Member's contributions for that
month.
3. / / The Employer shall allocate to each contributing Member's
Account an amount determined in accordance with the
following schedule:
Years of Employment Matching %
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Less than 3 50%
At least 3, but less than 5 75%
5 or more 100%
4. / / The Employer shall allocate to each contributing Member's
Account an amount determined in accordance with the
following schedule:
Years of Employment Matching %
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Less than 3 100%
At least 3, but less than 5 150%
5 or more 200%
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5. The Employer matching contributions under 2, 3 or 4 above shall
be based on the Member's contributions not in excess of 8%
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(1-20 but not in excess of the percentage specified in A.5.
above) of the Member's Salary.
D. Employer Basic Contributions (choose 1 or 2):
1. /x/ No Employer basic contributions will be made to the Plan.
2. / / The Employer shall allocate an amount equal to % (based
on 1% increments not to exceed 15%) of Member's Salary for
the month to (choose (a) or (b)):
(a) / / The Accounts of all Members
(b) / / The Accounts of all Members who were employed
with the Employer on the last day of such month.
E. Employer Supplemental Contributions:
The Employer may make supplemental contributions for any Plan Year in
accordance with Section 3.7 of the Plan.
F. Employer Profit Sharing Contributions (Choose 1, 2, 3, 4, or 5):
1. /x/ No Employer Profit Sharing Contributions will be made to
the Plan.
NON-INTEGRATED FORMULA
2. / / Profit sharing contributions shall be allocated to each
Member in the same ratio as each Member's Salary during
such Contribution Determination Period bears to the total
of such Salary of all Members.
3. / / Profit sharing contributions shall be allocated to each
Member in the same ratio as each Member's Salary for the
portion of the Contribution Determination Period during
which the Member satisfied the Employer's eligibility
requirement(s) bears to the total of such Salary of all
Members.
INTEGRATED FORMULA
4. / / Profit sharing contributions shall be allocated to each
Member's Account in a uniform percentage (specified by the
Employer as %) of each Member's Salary during the
Contribution Determination Period up to the Social Security
Taxable Wage Base as defined in Section of the Plan
("Base Salary") for the Plan Year that includes such
Contribution Determination Period , plus a uniform
percentage(specified by the Employer as %) of each
Member's Salary for the Contribution Determination Period
in excess of the Social Security Taxable Wage Base ("Excess
Salary") for the Plan Year that includes such Contribution
Determination Period, in accordance with Article III of the
Plan.
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5. / / Profit sharing contributions shall be allocated to each
Member's Account in a uniform percentage (specified by the
Employer as %) of each Member's Salary for the portion
of the Contribution Determination Period during which the
Member satisfied the Employer's eligibility requirement(s),
if any, up to the Base Salary for the Plan Year that
includes such Contribution Determination Period, plus a
uniform percentage (specified by the Employer as ____ %) of
each Member's Excess Salary for the portion of the
Contribution Determination Period during which the Member
satisfied the Employer's eligibility requirement(s) in
accordance with Article III of the Plan.
G. Allocation of Employer Profit Sharing Contributions:
In accordance with Section V, G above, a Member shall be eligible to
share in Employer Profit Sharing Contributions, if any, as follows
(choose 1 or 2):
1. / / A Member shall be eligible for an allocation of Employer
Profit Sharing Contributions for a Contribution
Determination Period in all events.
2. / / A Member shall be eligible for an allocation of Employer
Profit Sharing Contributions for a Contribution
Determination Period only if he or she (choose (a), (b) or
(c) whichever shall apply):
(a) / / is employed on the last day of the Contribution
Determination Period or retired, died or became
totally and permanently disabled prior to the last day
of the Contribution Determination Period.
(b) / / completed 1,000 Hours of Employment if the
Contribution Determination Period is a period of 12
months (250 Hours of Employment if the Contribution
Determination Period is a period of 3 months) or
retired, died or became totally and permanently
disabled prior to the last day of the Contribution
Determination Period.
(c) / / is employed on the last day of the Contribution
Determination Period and, if such period is 12 months,
completed 1,000 Hours of Employment (250 Hours of
Employment if the Contribution Determination Period is
a period of 3 months) or retired, died or became
totally and permanently disabled prior to the last day
of the Contribution Determination Period.
H. Employer Qualified Nonelective Contributions:
The Employer may make qualified nonelective contributions for any
Plan Year in accordance with Section 3.9 of the Plan.
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VI. INVESTMENT FUNDS
The Employer hereby selects the following Investment Funds to be made
available under the Plan (choose whichever shall apply). The Employer
agrees and acknowledges that the selection of Investment Funds made in
this Section VI is solely its responsibility, and no other person,
including the Sponsor, has any discretionary authority or control with
respect to such selection process.
1. /x/ 500 Stock Index Fund
2. /x/ Stable Value Fund
3. /x/ MidCap 400 Stock Index Fund
4. /x/ Government Money Market Fund
5. /x/ Bond Index Fund
6. /x/ Employer Stock Fund
VII. EMPLOYER SECURITIES
A. If the Employer makes available an Employer Stock Fund pursuant to
Section VI of this Adoption Agreement, then voting and tender offer
rights with respect to Employer Stock shall be delegated and
exercised as follows (choose 1 or 2):
1. / / The Plan Administrator shall direct the Trustee as to the
voting of all Employer Stock and as to all rights in the
event of a tender offer involving such Employer Stock.
2. /x/ Each Member shall be entitled to direct the Plan
Administrator as to the voting and tender offer rights
involving Employer Stock held in such Member's Account, and
the Plan Administrator shall follow or cause the Trustee
to follow such directions. If a Member fails to provide
the Plan Administrator with directions as to voting or
tender offer rights, the Plan Administrator shall exercise
those rights as it determines in its discretion and shall
direct the Trustee accordingly.
VIII. INVESTMENT DIRECTION
A. Members shall be entitled to designate what percentage of employee
contributions and employer contributions made on their behalf will be
invested in the various Investment Funds offered by the Employer as
specified in Section VI of this Adoption Agreement; provided,
however, that the following portions of a Member's Account must be
invested in the Employer Stock Fund (choose whichever shall apply):
9
1. / / Employer Profit Sharing Contributions
2. / / Employer Matching Contributions
3. / / Employer Basic Contributions
4. / / Employer Supplemental Contributions
5. / / Employer Qualified Nonelective Contributions
6. /x/ No requirements
B. A Member may change his or her investment direction (choose 1 or 2):
1. / / 1 time per calendar month.
2. / / 1 time per calendar quarter.
3. /x/ No restrictions.
C. If a Member fails to make an effective investment direction, the
Member's contributions and Employer contributions made on the
Member's behalf shall be invested in GOVERNMENT MONEY MARKET FUND
(insert one of the Investment Funds selected in Section VI of this
Adoption Agreement).
IX. VESTING SCHEDULES; YEARS OF EMPLOYMENT FOR VESTING PURPOSES
A. (Choose 1, 2, 3, 4, 5, 6 or 7)
Schedule Years of Employment Vested %
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1. /x/ Immediate Upon Enrollment 100%
2. / / 2-6 Year Graded Less than 2 0%
2 but less than 3 20%
3 but less than 4 40%
4 but less than 5 60%
5 but less than 6 80%
6 or more 100%
3. / / 5-Year Cliff Less than 5 0%
5 or more 100%
4. / / 3-Year Cliff Less than 3 0%
3 or more 100%
5. / / 4-Year Graded Less than 1 0%
1 but less than 2 25%
2 but less than 3 50%
3 but less than 4 75%
4 or more 100%
10
Schedule Years of Employment Vested %
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6. / / 3-7 Year Graded Less than 3 0%
3 but less than 4 20%
4 but less than 5 40%
5 but less than 6 60%
6 but less than 7 80%
7 or more 100%
7. / / Other Less than ___ 0%
___ but less than ___ ____%
___ but less than ___ ____%
___ but less than ___ ____%
___ but less than ___ ____%
___ or more 100%
B. With respect to the schedules listed above, the Employer elects
(choose 1, 2, 3 and 4; or 5):
1. Schedule / / solely with respect to Employer matching
contributions.
2. Schedule / / solely with respect to Employer basic
contributions.
3. Schedule / / solely with respect to Employer supplemental
contributions.
4. Schedule / / solely with respect to Employer profit sharing
contributions.
5. Schedule /1/ with respect to all Employer contributions.
NOTE: Notwithstanding any election by the Employer to the
contrary, each Member shall acquire a 100% vested
interest in his Account attributable to all Employer
contributions made to the Plan upon the earlier of (i)
attainment of Normal Retirement Age, (ii) approval for
disability or (iii) death. In addition, a Member
shall at all times have a 100% vested interest in the
Employer Qualified Non-Elective Contributions, if any,
and in the pre-tax elective deferrals and
nondeductible after-tax Member Contributions.
C. Years of Employment Excluded for Vesting Purposes
The following Years of Employment shall be disregarded for vesting
purposes (choose whichever shall apply):
1. / / Years of Employment during any period in which neither the
Plan nor any predecessor plan was maintained by the
Employer.
2. / / Years of Employment of a Member prior to attaining age 18.
11
X. WITHDRAWAL PROVISIONS
A. The following portions of a Member's Account will be eligible for in-
service withdrawals, subject to the provisions of Article VII of the
Plan (choose whichever shall apply):
1. / / Employee after-tax contributions and the earnings
thereon.
2. / / Employee pre-tax elective deferrals and the earnings
thereon.
3. / / Employee rollover contributions and the earnings thereon.
4. / / Employer matching contributions and the earnings thereon.
5. / / Employer basic contributions and the earnings thereon.
6. / / Employer supplemental contributions and the earnings
thereon.
7. / / Employer profit sharing contributions and the earnings
thereon.
8. / / Employer qualified nonelective contributions and earnings
thereon.
9. /x/ In-service withdrawals permitted only in the event of
(choose (a) and/or (b)):
(a) /x/ Hardship.
(b) / / Attainment of age 59 1/2.
10./ / No in-service withdrawals shall be allowed.
B. Notwithstanding any elections made in Subsection A of this Section X
above, the following portions of a Member's Account shall be excluded
from eligibility for in-service withdrawals (choose whichever shall
apply):
1. / / Employer contributions, and the earnings thereon, credited
to the Employer Stock Fund.
2. /x/ All contributions and/or deferrals, and the earnings
thereon, credited to the Employer Stock Fund.
3. / / Other:____________________________________________
XI. DISTRIBUTION OPTION (CHOOSE 1 OR 2)
1. / / Lump Sum and partial lump sum payments only.
2. /x/ Lump Sum and partial lump sum payments plus one or more of
the following (choose (a) and /or (b)):
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(a) /x/ Installment payments.
(b) / / Annuity payments.
XII. LOAN PROGRAM (CHOOSE 1, 2 OR 3)
1. / / No loans will be permitted from the Plan.
2. /x/ Loans will be permitted from the Member's Account.
3. / / Loans will be permitted from the Member's Account,
excluding (choose whichever shall apply):
(a)/ / Employer Profit sharing contributions and the earnings
thereon.
(b)/ / Employer matching contributions and the earnings
thereon.
(c)/ / Employer basic contributions and the earnings thereon.
(d)/ / Employer supplemental contributions and the earnings
thereon.
(e)/ / Employee after-tax contributions and the earnings
thereon.
(f)/ / Employee pre-tax elective deferrals and the earnings
thereon.
(g)/ / Employee rollover contributions and the earnings
thereon.
(h)/ / Employer qualified nonelective contributions and the
earnings thereon.
(I)/ / Any amounts to the extent invested in the Employer
stock fund.
XIII. ADDITIONAL INFORMATION
If additional space is needed to select or describe an elective
feature of the Plan, the Employer should attach additional pages and
use the following format:
The following is hereby made a part of Section --- of the Adoption
Agreement and is thus incorporated into and made a part of the Home
Federal Savings Bank
Signature of Employer's Authorized Representative
_________________________________________________
Signature of Trustee
_________________________________________________
Supplementary Page -- of [total number of pages].
XIV. PLAN ADMINISTRATOR
The Named Plan Administrator under the Plan shall be the (choose
1, 2, 3 or 4):
Note: Pentegra Services, Inc. may not be appointed Plan
Administrator.
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1. /x/ Employer
2. / / Employer's Board of Directors
3. / / Plan's Administrative Committee
4. / / Other (if chosen, then provide the following information)
Name:_______________________________________
Address:____________________________________
Tel No.:____________________________________
Contact:____________________________________
NOTE: IF NO NAMED PLAN ADMINISTRATOR IS DESIGNATED ABOVE, THE
EMPLOYER SHALL BE DEEMED THE NAMED PLAN ADMINISTRATOR.
XV. TRUSTEE
The Employer hereby appoints the following person or entity to serve
as Trustee under the Plan:
Name: Mellon Bank, NA
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Address: 1 Mellon Bank Center, Pittsburgh, PA 15258
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Tel No:
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Contact: Allen Murray
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The person or entity named above hereby accepts the appointment as Trustee of
the trust created as part of the Plan and agrees to be bound by the terms and
conditions of the Plan.
MELLON TRUST
Dated: August 1, 1996 By: /s/ Robert D. Alin
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Name: Robert D. Alin
Title: Senior Vice President-
Legal & Secretary
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EXECUTION OF ADOPTION AGREEMENT
By execution of this Adoption Agreement by a duly authorized representative of
the Employer, the Employer acknowledges that it has established or, as the case
may be, amended a tax-qualified retirement plan into the HOME FEDERAL SAVINGS
BANK Employees' Savings & Profit Sharing Plan and Trust (the "Plan"). The
Employer hereby represents and agrees that it will assume full fiduciary
responsibility for the operation of the Plan and for complying with all duties
and requirements imposed under applicable law, including, but not limited to,
the Employee Retirement Income Security Act of 1974, as amended, and the
Internal Revenue Code of 1986, as amended. In addition, the Employer
represents and agrees that it will accept full responsibility of complying with
any applicable requirements of federal or state securities law as such laws may
apply to the Plan and to any investments thereunder. The Employer further
acknowledges that any opinion letter issued with respect to the Adoption
Agreement and the Agreement by the Internal Revenue Service ("IRS") to Pentegra
Services, Inc., as sponsor of the Employees' Savings & Profit Sharing Plan,
does not constitute a ruling or a determination with respect to the tax-
qualified status of the Plan and that the appropriate application must be
submitted to the IRS in order to obtain such a ruling or determination with
respect to the Plan.
THE FAILURE TO PROPERLY COMPLETE THE ADOPTION AGREEMENT MAY RESULT IN
DISQUALIFICATION OF THE PLAN AND TRUST EVIDENCED THEREBY.
The Sponsor will inform the Employer of any amendments to the Plan or Trust
Agreement or of the discontinuance or abandonment of the Plan or Trust.
Any inquiries regarding the adoption of the Plan should be directed to the
Sponsor as follows:
Pentegra Services, Inc.
108 Corporate Park Drive
White Plains, New York 10604
(914) 694-1300
IN WITNESS WHEREOF, the Employer has caused this Adoption Agreement to be
executed by its duly authorized officer this 17th day of June ,
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19 96 .
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HOME FEDERAL SAVINGS BANK
By: /s/ Roger P. Weise
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Name: Roger P. Weise
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Title: President and CEO
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