Document:

Form of Proposed Escrow Agreement

 Exhibit 10.1 
  
 

 
  
 Independent Bankers’ Bank of
Florida 
  
 ESCROW AGREEMENT 
  
 This Escrow Agreement is entered into and effective this
             day of                     , 2005, by and between Partners
Financial Corporation (the “Company”) and the Independent Bankers’ Bank of Florida (“Escrow Agent” or “Agent”). 
  
 WITNESSETH: 
  
 WHEREAS, the Company, proposes to offer for sale up to 1,500,000 units consisting of 1,500,000 shares of its $0.01 par value common stock (the
“Common Stock”) and 1,500,000 Warrants to purchase one share of Common Stock (the “Units”), which Units, shares, and Warrants shall be registered under the Securities Act of 1933, as amended. Units will be sold in a public
offering (“Offering”) at a price of $10.00 each. The minimum subscription per subscriber is 1,000,000 units and the minimum total subscriptions which must be received are for 1,000,000 Units; 
  
 WHEREAS, the Company has requested the Escrow Agent to serve as the
depository for the payment of subscription proceeds (‘Payments”) received by the Company from investor(s) who are subscribing to purchase Units in the Company pursuant to, and in accordance with, the terms and conditions contained in the
Company’s Prospectus and Subscription Agreements thereto, dated                     , 2005; 
  
 WHEREAS, the Offering will terminate at 5:00 p.m. Eastern Time, on
                    , 2005, unless extended by the Company for up to an additional
             days (“Initial Offering Period”), and, if during the Initial Offering Period the minimum number of Units have been subscribed to, the Offering will continue
until the earlier of the termination of : (i) the Initial Offering Period, (ii) the cancellation of the Offering by the Company; or (iii) the sale of 1,500,000 Units. 
  
 NOW THEREFORE, in consideration of the premises and understandings contained herein, the parties agree as follows:

  
 (1) The Company hereby appoints and designates the Escrow
Agent for the purposes set forth herein. The Escrow Agent acknowledges and accepts said appointment and designation. The Company understands that the Escrow Agent, by accepting said appointment and designation, in no way endorses the merits of the
offering of the Units described herein. The Company agrees to notify any person acting on its behalf that the position of Escrow Agent does not constitute such an endorsement, and to prohibit said persons from the use of the Agent’s name as an
endorser of such offering. The Company further agrees to allow the Escrow Agent to review any sales literature in which the Agent’s name appears and which is used in connection with such offering. 
  

 A-1 of 6 
  
 Post Office Box 958423 * Lake Mary, Florida 32795-8423 
 1-800-275-4222 * 407-541-1620 

 (2) The Company shall deliver all payments received in purchase of the Units (the “Subscription
Funds”) to the Escrow Agent (Independent Bankers’ Bank of Florida, Attn. Investment Services Group) in the form in which they are received by noon of the next business day after their receipt by the Company, and the Company shall deliver
to the Escrow Agent within five (5) calendar days copies of written acceptances of the Company for Units in the Company for which the Subscription Funds represent payment. Upon receipt of such written acceptance by the Company, the Escrow Agent
shall deposit such funds into the escrow account. The Company shall also deliver to the Escrow Agent completed copies of Subscription Agreements for each subscriber, along with such subscriber’s name, address, number of Units subscribed and
social security or taxpayer identification number. 
  
 (3)
Subscription Funds shall be held and disbursed by the Escrow Agent in accordance with the terms of this Agreement. 
  
 (4) In the event any Subscription Funds are dishonored for payment for any reason, the Escrow Agent agrees to orally notify the Company thereof as soon as
practicable and to confirm same in writing and to return due dishonored Subscription Funds to the Company in the form in which they were delivered. 
  
 (5) Should the Company elect to accept a subscription for less than the number of Units shown in the purchaser’s Subscription Agreement, by
indicating such lesser number of Units on the written acceptance of the Company transmitted to the Escrow Agent, the Agent shall deposit such payment in the escrow account and then, upon separate instruction from the Company, remit within ten (10)
days after such deposit to such subscriber at the address shown in his Subscription Agreement that amount of his Subscription Funds in excess of the amount which constitutes full payment for the number of subscribed Units accepted by the Company as
shown in the Company’s written acceptance, without interest or diminution. Said address shall be provided by the Company to the Escrow Agent as requested. 
  

(6) Definitions as used herein: 
  
 (a) “Total Receipts” shall mean the sum of all Subscription Funds delivered to the Escrow Agent pursuant to Paragraph (2) hereof, less (i) all
Subscription Funds returned pursuant to Paragraphs (4) and (5) hereof and (ii) all Subscription Funds which have not been paid by the financial institution upon which they are drawn. 
  
 (b) “Expiration Date” shall mean 5:00 p.m., Eastern Time, on
                    , 2005; provided, however, in the event that the Escrow Agent is given oral notification followed in writing, by the
Company that it has elected to extend the offering to a date not later than              days thereafter, then the Expiration Date shall mean 5:00 p.m., Eastern Time, on the date to
which the offering has been extended. The Company will notify the Escrow Agent of the effective date of the Offering Circular as soon as practicable after such date has been determined. 
  
 (c) “Closing Date” shall mean the business day on which the Company, after determining that all of the Offering
conditions have been met, selects in its sole discretion. The Closing Date shall be confirmed to the Escrow Agent in writing by the Company. 
  
 (d) “Escrow Release Conditions” shall mean that (i) the Company has not canceled the Offering, (ii) that Partners Bank has received an order of
approval from the Office of Thrift Supervision to charter Partners Bank as well as an order of approval for deposit insurance from the FDIC, and (iii) that Partners Bank has received authorization to open for business from the Office of Thrift
Supervision. 
  

 A-2 of 6 
  
 Post Office Box 958423 * Lake Mary, Florida 32795-8423 
 1-800-275-4222 * 407-541-1620 

 (7) If, on or before the Expiration Date, the Total Receipts held by the Escrow Agent equal or exceed
$10,000,000, upon the Company’s request, the Escrow Agent shall remit all amounts representing Subscription Funds deposited by the Company’s directors and their related interests (as indicated by the Company) to the Company. Furthermore,
if, on or before the Expiration Date, (i) the Total Receipts held by the Escrow Agent (including any funds disbursed in accordance with the preceding sentence) equal or exceed $10,000,000 and (ii) the Company has certified that the net proceeds of
the offering (after the deduction of all fees, commissions, and other expenses) is at least $9,500,000, and (iii) the Escrow Release Conditions have been consummated, the Escrow Agent shall 
  
 (a) No later than 10:00 A.M., Eastern Time, one day prior to Closing Date (as
that term is defined herein), deliver to the Company all Subscription Agreements provided to the Escrow Agent; and 
  
 (b) On the Closing Date, no later than 5:00 o’clock P.M., Eastern Time, upon receipt of 24-hour written instructions from the Company, remit all
amounts representing Subscription Funds, plus any profits or earnings, held by the Escrow Agent pursuant hereto to the Company in accordance with such instructions. 
  
 (8) If (i) the Escrow Release Conditions are not met by the Expiration Date, or (ii) the Offering is canceled by the Company
at any time prior to the Expiration Date, then the Escrow Agent shall promptly remit to each subscriber at the address set forth in his Subscription Agreement an amount equal to the amount of his Subscription Funds thereunder, along with the
subscriber’s pro rata (based on the amount of the subscriber’s subscription funds relative to all accepted subscriptions) Units of any net earnings accruing on all Subscription Funds. 
  
 (9) Pending disposition of the Subscription Funds under this Agreement, the
Escrow Agent will invest collected Subscription Funds, in $1,000 increments above a maintained balance of $50,000, in (i) overnight repurchase agreements collateralized at 102% with obligations of the United States Treasury or United States
Government Agencies. These repurchase agreement transactions will earn interest at a market rate to be set by the seller or (ii) money market mutual funds whose assets are restricted to obligations of the United States Treasury or United States
Government Agencies. Earnings on these investments will be the net dividend paid by the fund. 
  
 (10) The obligations as Escrow Agent hereunder shall terminate upon the Escrow Agent’s transferring all funds held hereunder pursuant to the terms of Paragraphs (7) or (8) herein, as applicable. 
  
 (11) The Escrow Agent shall be protected in acting upon any written notice,
request, waiver, consent, certificate, receipt, authorization, or other paper or document which the Agent believes to be genuine and what it purports to be. 
  
 (12) The Escrow Agent shall not be liable for anything which the Agent may do or refrain from doing in connection with this Escrow Agreement, except for
the Agent’s own gross negligence or willful misconduct. 
  
 (13) The Escrow Agent may confer with legal counsel in the event of any dispute or questions as to the construction of any of the provisions hereof, or the Agent’s duties hereunder, and shall incur no liability and shall be fully
protected in acting in accordance with the opinions and instructions of such counsel. Any and all expenses and legal fees in this regard will be paid by the Company. 
  

 A-3 of 6 
  
 Post Office Box 958423 * Lake Mary, Florida 32795-8423 
 1-800-275-4222 * 407-541-1620 

 (14) In the event of any disagreement between the Company and any other person resulting in adverse
claims and demands being made in connection with any Subscription Funds involved herein or affected hereby, the Agent shall be entitled to refuse to comply with any such claims or demands as long as such disagreement may continue, and in so
refusing, shall make no delivery or other disposition of any Subscription Funds then held under this Agreement, and in so doing shall be entitled to continue to refrain from acting until (a) the right of adverse claimants shall have been finally
settled by binding arbitration or finally adjudicated in a court in Seminole County, Florida assuming and having jurisdiction of the Subscription Funds involved herein or affected hereby or (b) all differences shall have been adjusted by agreement
and the Agent shall have been notified in writing of such agreement signed by the parties hereto. In the event of such disagreement, the Agent may, but need not, tender into the registry or custody of any court of competent jurisdiction in Seminole
County, Florida all money or property in the Agent’s hands under the terms of this Agreement, together with such legal proceedings as the Agent deems appropriate and thereupon to be discharged from all further duties under this Agreement. The
filing of any such legal proceeding shall not deprive the Agent of compensation earned prior to such filing. The Escrow Agent shall have no obligation to take any legal action in connection with this Agreement or towards its enforcement, or to
appear in, prosecute or defend any action or legal proceeding which would or might involve the Agent in any cost, expense, loss or liability unless indemnification shall be furnished. 
  
 (15) The Escrow Agent may resign for any reason, upon thirty (30) days written notice to the Company. Upon the expiration of
such thirty (30) day notice period, the Escrow Agent may deliver all Subscription Funds and Subscription Agreements in possession under this Escrow Agreement to any successor Escrow Agent appointed by the Company, or if no successor Escrow Agent has
been appointed, to any court of competent jurisdiction. Upon either such delivery, the Escrow Agent shall be released from any and all liability under this Escrow Agreement. A termination under this paragraph shall in no way change the terms of
Paragraphs (14) and (16) affecting reimbursement of expenses, indemnity and fees. 
  
 (16) There is no fee for the escrow service. If the escrow account has to be refunded due to failure of the Company to complete the subscription or the bank transaction is not consummated, there is a fee of $25.00 per
refund check issued. Standard bank activity charges, such as document duplication, wire transfer and account maintenance, will apply to the Escrow account. Any extraordinary expenses resulting from legal action taken against Escrow Agent will be
contractually identified as the responsibility of the organizing group. All actual expenses and costs incurred by the Agent in performing obligations under this Escrow Agreement will be paid by the Company. All fees and expenses shall be paid on the
Closing Date by the Company. Any subsequent fees and expenses will be paid by the Company upon receipt of invoice. 
  
 (17) All notices and communications hereunder shall be in writing and shall be deemed to be duly given if sent by (i) registered or certified mail (return
receipt requested), (ii) personal delivery with signed receipt, (iii) acknowledged receipt to facsimile transmission, or (iv) any chosen delivery service requiring signed receipt to the respective addresses set forth herein. The Escrow Agent shall
not be charged with knowledge of any fact, including but not limited to performance or non-performance of any condition, unless the Escrow Agent has actually received written notice thereof from the Company or its authorized representative clearly
referring to this Escrow Agreement. 
  
 (18) The rights created by
this Escrow agreement shall inure to the benefit of, and the obligations created hereby shall be binding upon, the successors and assigns of the Escrow Agent and the parties hereto. 
  
 (19) This Escrow Agreement shall be construed and enforced according to the laws of the State of Florida. 
  

 A-4 of 6 
  
 Post Office Box 958423 * Lake Mary, Florida 32795-8423 
 1-800-275-4222 * 407-541-1620 

 (20) This Escrow Agreement shall terminate and the Escrow Agent shall be discharged of all responsibility
hereunder at such time as the Escrow Agent shall have completed all duties hereunder. 
  
 (21) This Escrow Agreement may be executed in several counterparts, which taken together shall constitute a single document. 
  
 (22) This Escrow Agreement constitutes the entire understanding and agreement of the parties hereto with respect to the transactions described herein and
supersedes all prior agreements or understandings, written or oral, between the parties with respect thereto. 
  
 (23) If any provision of this Escrow Agreement is declared by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining
provisions shall nevertheless continue in full force and effect without being impaired or invalidated in any way. 
  
 (24) The Company shall provide the Escrow Agent with its Employer Identification Number as assigned by the Internal Revenue Service. Additionally, the
Company shall complete and return to the Escrow Agent any and all tax forms or reports required to be maintained or obtained by the Escrow Agent. 
  
 (25) The authorized signature of the Escrow Agent hereto is consent that a signed copy hereof may be filed with the various regulatory authorities of the
State of Florida and with any Federal Government agencies or regulatory authorities. 
  

 A-5 of 6 
  
 Post Office Box 958423 * Lake Mary, Florida 32795-8423 
 1-800-275-4222 * 407-541-1620 

 In Agreement and acceptance of the Independent Bankers’ Bank of Florida Escrow Agreement between Partners
Financial Corporation (Company), for the purpose of organizing a financial institution to be known as Partners Bank, and the Independent Bankers’ Bank of Florida (Escrow Agent).  
  

							
	 	 	 	  	 	 	Company
	 	 	 	  	 Address:
	 	 
				
	 	 	 	  	 Fax:
	 	 
	 	 	 	  	 Phone:
	 	 
				
	 	 	 	  	 By:
	 	  

	 	 	 	  	 	 	Authorized Signature
	 	 	 	  	 Title:
	 	  

	 	 	 	  	 	 	(Type Name and Title)
				
	 Attest:
	 	  

	  	 	 	 
	 	 	 ADDITIONAL AUTHORIZED SIGNER
	  	 	 	 
	 By:
	 	  
  

	  	 Name:
	 	 
	 	 	 Additional Authorized Signature
	  	 	 	 
	 Title:
	 	 Corporate Secretary
	  	 Title:
	 	  

	 	 	 	  	 	 	(Type Name and Title)
			
	 	 	 	  	INDEPENDENT BANKERS’ BANK OF FLORIDA
	 	 	 	  	 Address:
	 	 615 Crescent Executive Court

	 	 	 	  	 	 	 Suite 400

	 	 	 	  	 	 	 Lake Mary, Florida 32746-2109

				
	 Attest:
	 	  

	  	 Fax:
	 	 (407) 541-1663

				
	 By:
	 	 	  	 By:
	 	  

	 	 	 	  	 	 	Authorized Signature
				
	 Title:
	 	  

	  	 Title:
	 	 Michael Martin, Vice President

  
 (CORPORATE SEAL)

  

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 Post Office Box 958423 * Lake Mary, Florida 32795-8423 
 1-800-275-4222 * 407-541-1620Summary Sheet for Director and Executive Officer Compensation

 Exhibit 10.10(1) 
  

SUMMARY SHEET FOR DIRECTOR COMPENSATION 
 AND EXECUTIVE CASH COMPENSATION 
 AND AWARD FORMULA UNDER THE 2004 KEY OFFICERS INCENTIVE
PLAN 
  
 I. DIRECTOR COMPENSATION. The following
table sets forth current rates of cash compensation for non-employee directors and advisory directors. Director compensation rates were last adjusted on August 4, 2004. Employee directors receive an annual retainer of $3,000. 
  

				
	 Annual Retainer
	  	 	 
	 Non-employee directors
	  	$	24,000
	 Non-employee advisory directors
	  	$	3,000
		
	 Board Meeting Attendance Fees
	  	 	 
	 Non-employee directors
	  	$	4,500
	 Non-employee advisory directors
	  	$	4,500
		
	 Telephone Meeting Fees
	  	$	500
		
	 Committee Meeting Attendance Fees
	  	$	1,200
		
	 Committee Chair Annual Retainer
	  	 	 
	 Audit Committee
	  	$	6,000
	 Compensation Committee
	  	$	3,500
	 Nominating & Corporate Governance Committee
	  	$	3,500
		
	 Presiding Director Annual Retainer
	  	$	6,000

  
 Directors may elect to
defer their cash compensation into the Company’s Deferred Compensation Program (filed December 10, 2004 as Exhibit 10.1 to the Company’s Form 8-K). 
  
 In addition to cash compensation, non-employee directors receive annual grants of restricted stock with a $14,000 market value and at-market stock options
with underlying stock having a $40,000 market value under the Flexible Stock Plan (filed March 11, 2004 as Exhibit 10.8 to the Company’s Form 10-K for the year ended December 31, 2003). Options are granted at fair market value, vest after one
year and have a 10-year term. Restricted stock vests after one year and carries voting and dividend rights from the grant date. 
  
 The Company also provides term life insurance for two of its non-employee directors, Mr. Robert Ted Enloe, III and Mr. Richard T. Fisher. The cost of this
coverage in 2004 was $1,391 each. 
  

 II. EXECUTIVE COMPENSATION. The following table sets forth the current base salaries provided to
the Company’s CEO and four most highly compensated executive officers. Salary increases are determined annually in March. 
  

				
	 Executive Officer

	  	Current Salary

	 Felix E. Wright
	  	$	816,000
	 David S. Haffner
	  	$	652,800
	 Karl G. Glassman
	  	$	489,600
	 Robert A. Jefferies, Jr.
	  	$	278,615
	 Jack D. Crusa
	  	$	250,000

  
 Executive officers are
also eligible to receive a bonus each year under the Company’s 2004 Key Officers Incentive Plan (filed as Appendix D to the Company’s definitive Proxy Statement dated March 24, 2004). 2004 bonuses paid to the Company’s CEO and four
most highly compensated executive officers are as shown in the following table. 
  

				
	 Executive Officer

	  	2004 Bonus

	 Felix E. Wright
	  	$	474,096
	 David S. Haffner
	  	$	325,094
	 Karl G. Glassman
	  	$	203,184
	 Robert A. Jefferies, Jr.
	  	$	115,626
	 Jack D. Crusa
	  	$	99,138

  
 AWARD FORMULA

  
 On February 24, 2005, the Compensation Committee of
the Board of Directors set the award formula under the 2004 Key Officers Incentive Plan. Awards are calculated based on Return on Net Assets, using either the Corporate Formula or the Profit Center Formula, depending on the type of participant.

  
 Return on Net Assets (“RONA”), as defined by
the Plan, is Leggett’s EBIT return for the year on its net assets. Certain adjustments are made to EBIT and net asset amounts reported in the Company’s Consolidated Financial Statements to determine Plan RONA. Those adjustments are
(i) corporate bonus addback to EBIT, (ii) 50% stock match addback to EBIT, (iii) cash deduction from net assets, (iv) accumulated other comprehensive income deduction or addback for net assets, and (v) quarterly
averaging of all calculations. 
  
 Under both formulas, a
participant’s “basic potential award” is calculated by multiplying the participant’s target percentage times his annual base salary as of the end of the calendar year. For example, if the participant’s target percentage is
50% and his annual base salary is $300,000, his basic potential award would be $150,000 (50% x $300,000). 
  
 Award Formula for Corporate Participants 
  
 Corporate awards made under the Plan are based on the Company’s overall financial performance during the previous year. The basic potential award for corporate participants has two components: 
  

			
	 Corporate portion
	  	90% of total award
	 Discretionary portion
	  	10% of total award

  

 When the Company achieves at least 8% RONA in a calendar year, the corporate payout will begin at 5% and
will follow the schedule below. No awards are payable for a year when RONA falls below 8%. The total incentive payout will be limited to 4% of EBIT. 
  
 Using the schedule below, if the Company achieved a 14% RONA, the resulting corporate payout would be 65%. Using the example of a participant with a
$150,000 basic potential award, the corporate portion of his or her award would be $87,750 ($150,000 x 90% x 65%). The discretionary portion of the award would be $9,750 ($150,000 x 10% x 65%). Thus, the total award for the Corporate Participant in
this example would be $97,500 ($87,750 + $9,750). 
  

							
	CORPORATE PARTICIPANT PAYOUT SCHEDULE
				
	 RONA

	  	 Payout %

	  	 RONA

	  	 Payout %

	8%	  	5%	  	15%	  	75%
	9%	  	15%	  	16%	  	85%
	10%	  	25%	  	17%	  	100%
	11%	  	35%	  	18%	  	115%
	12%	  	45%	  	19%	  	130%
	13%	  	55%	  	20%	  	145%
	14%	  	65%	  	21%	  	160%

  
 The Compensation
Committee has established a different payout schedule for the Company’s Executive Team, consisting of the top three corporate officers. Under the Executive Team payout schedule below, no bonus is payable if RONA is below 11%. For returns
between 11% and 17%, the payout schedule mirrors that for other Corporate Participants. For returns above 17%, however, the corporate payout is higher. 
  
 Using the schedule below, if the Company achieved an 18% RONA, the resulting corporate payout for the Executive Team would be 130% (compared to 115% for
other Corporate Participants). For an Executive Team participant with a $350,000 basic potential award, the corporate portion of his or her award would be $409,500 ($350,000 x 90% x 130%). The discretionary portion of the award would be $45,500
($350,000 x 10% x 130%). Thus, the total award for the Executive Team Corporate Participant in this example would be $455,000 ($409,500 + 45,500). 
  

							
	EXECUTIVE TEAM PAYOUT SCHEDULE
				
	 RONA

	  	 Payout %

	  	 RONA

	  	 Payout %

	8%	  	0%	  	15%	  	75%
	9%	  	0%	  	16%	  	85%
	10%	  	0%	  	17%	  	100%
	11%	  	35%	  	18%	  	130%

  

  

							
	12%	  	45%	  	19%	  	160%
	13%	  	55%	  	20%	  	190%
	14%	  	65%	  	21%	  	220%

  
 Award Formula for Profit Center
Participants 
  
 Profit Center awards are based on the
budget achievement of a particular group of operating locations. The basic potential award for profit center participants has two components: 
  

			
	 Profit Center portion
	    	75% of total award
	 Corporate and Discretionary portion
	    	25% of total award

  
  
 Each profit center has budgeted operating income for the year. The profit center portion of the award is determined by the profit center’s
achievement of that budget. The table below is used to determine the payout. The highlighted part of this table, for example, shows that participants in a profit center that achieves 90% of budget would receive 80% of the profit center portion of
their award. Accordingly, for a participant with a $150,000 basic potential award, the profit center portion of his or her award would be $90,000 ($150,000 x 75% x 80%). The maximum Corporate and Discretionary portion, assuming a 65% corporate
payout, would be $24,375 ($150,000 x 25% x 65%). Thus, the total award for this Profit Center Participant would be $114,375 ($90,000 + $24,375). 
  

							
	PROFIT CENTER TABLE
	 Budget %
     Achieved    

	  	 Pays
     This %    

	  	 Budget %
     Achieved    

	  	 Pays
     This %    

	 <62.5%
	  	  0%	  	    81%	  	  62%
	   62.5%
	  	25%	  	    82%	  	  64%
	   63%   
	  	26%	  	    83%	  	  66%
	   64%   
	  	28%	  	    84%	  	  68%
	   65%   
	  	30%	  	    85%	  	  70%
	   66%   
	  	32%	  	    86%	  	  72%
	   67%   
	  	34%	  	    87%	  	  74%
	   68%   
	  	36%	  	    88%	  	  76%
	   69%   
	  	38%	  	    89%	  	  78%
	   70%   
	  	40%	  	    90%	  	  80%
	   71%   
	  	42%	  	    91%	  	  82%
	   72%   
	  	44%	  	    91%	  	  84%
	   73%   
	  	46%	  	    93%	  	  86%
	   74%   
	  	48%	  	    94%	  	  88%
	   75%   
	  	50%	  	    95%	  	  90%
	   76%   
	  	52%	  	    96%	  	  92%
	   77%   
	  	54%	  	    97%	  	  94%
	   78%   
	  	56%	  	    98%	  	  96%
	   79%   
	  	58%	  	    99%	  	  98%
	   80%   
	  	60%	  	3100%	  	100%

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