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4573.935 - 4600.501 David Rosenthal

One, ownership of this new organization that's going to be called National Bank of America Inc., the new owner of the Bank of America program, is going to be in the form of irrevocable, non-transferable rights of participation. So you're not going to own stock in this thing. There's no equity. The way that you have ownership and the percentage ownership that you have in the network is