Document:

Exhibit
10.4

 

EMPLOYMENT AGREEMENT
BETWEEN LIFE FINANCIAL CORP. AND STEVEN GARDNER

 

This Employment Agreement (“Agreement”) is made by and
between LIFE FINANCIAL CORPORATION, a Delaware corporation (“COMPANY”), and
STEVEN GARDNER (“Executive”).  Company
hereby employs Executive and Executive hereby accepts employment with Company
in accordance with the following terms and subject to the following conditions:

 

1.   Term.  This Agreement shall be retroactively
effective to January 5, 2001.  The
initial term of the Agreement shall be until January 5, 2004, unless earlier
terminated as provided herein.  This
Agreement shall be automatically extended for an additional one-year period
upon the same terms and conditions as are herein set forth unless at least 90
days prior to the then applicable expiration date, Company or Executive
delivers written notice to the other party of its or his intent to terminate
this Agreement.

 

2.   Duties.  Executive shall serve as President, Chief
Executive Officer and Chief Operating Officer of Company and the Bank.  Executive shall do and perform all services,
acts or things necessary or advisable to discharge the duties and
responsibilities of that position, subject to the policies, directives and
oversight of the Boards of Directors of the Company and of the Bank, and shall
perform such other duties as the Boards of Directors may assign to him from
time to time.

 

3.   Extent
of Services.  Executive shall devote
substantially all of his energies, interest, abilities and productive time to
the business of Company and its subsidiaries, including Life Bank, and shall
not, during the term of this Agreement, be engaged in any other business
activity other than that required of him in connection with his positions with
Company and its subsidiaries, including Life Bank.  Without otherwise limiting the scope of the foregoing, nothing
herein shall prevent Executive from investing his personal assets in
non-competing businesses that will not require any services on his part.

 

4.   Compensation
and Benefits.  In full compensation
for all services rendered by Executive to Company pursuant to this Agreement,
Company shall compensate Executive as follows:

 

1

 

4.1   Salary.  Company shall guarantee the payment of Base
Salary to Executive under his Employment Agreement with Life Bank.

 

4.2   Stock
Options.  Executive previously has
been awarded stock options.  Nothing in
this Agreement shall affect such options. 
The terms and conditions of said options shall be governed by the
applicable stock option agreements and stock option plans.  The Board, in its discretion, may award
additional stock options in the future.

 

4.3   Fringe
Benefits.  Executive shall be
entitled to receive all benefits and conditions of employment generally
available to other executives of Bank, including, without limitation, sick
leave, disability, accident, life, hospitalization, medical and dental
insurance, paid holidays, and participation in any pension, profit sharing or
other retirement plan pursuant to the terms of said plans.  Bank shall obtain disability insurance
coverage for Executive in the amount of $250,000 per year, if reasonably
obtainable, for the remaining term of this Agreement and life insurance in the
amount of $2,000,000, if reasonably obtainable, with the beneficiary or
beneficiaries of said life insurance to be designated by Executive.

 

5.   Termination
and Severance.

 

5.1 
Executive’s employment may be terminated with or without cause and with
or without advance notice.  If
Executive’s employment is terminated without cause by Company and the Bank,
Executive will receive a severance payment equal to two times the sum of
Executive’s then-current annual salary plus his incentive bonus for the
previous year, less taxes and other required withholding, payable in a lump
sum.  Said payment shall constitute
Company’s and the Banks’ sole financial obligation to Executive in the event of
a termination without cause.  “Cause”
means personal dishonesty, incompetence, willful misconduct, breach of
fiduciary duty involving personal profit, intentional failure to perform stated
duties, willful violation of any law, rule, or regulation (other than traffic
violations or similar offenses) or final cease-and-desist order, material breach
of any provision of this Employment Agreement or continued incapacity (because
of disability or otherwise) to perform Executive’s duties.  If Executive’s employment is terminated with
cause by Company, or if Executive voluntarily terminates his employment,
Executive will not have the right to receive compensation for any period after
termination.  If Executive voluntarily
terminates his employment with Company, he shall be automatically deemed to
have terminated his employment with Life Bank.

 

2

 

5.2  Termination Because of Change-in-Control.  If Executive is terminated without cause
because of a change-in-control of the Company, this subparagraph 5.2 shall
govern his eligibility for severance pay. 
In such event, Executive will receive a severance payment equal to two
years’ Base Salary plus incentive, less taxes and other required withholding,
in a lump sum.  For purposes of this
subparagraph, “change-in-control” means an acquisition of all, or substantially
all, of Company’s assets, as well as the acquisition of ownership or voting
control by a party or “group”, as defined in the applicable securities laws, of
35% or more of Company’s outstanding voting securities.

 

6.   Notices.  All notices and other communications to be given pursuant to this
Agreement shall be in writing and may be served personally or by certified
mail, return receipt requested, to the parties at such places as either of the
parties hereto may from time to time designate in writing.

 

7.   Post-Termination
Obligations.

 

7.1  All
payments and benefits to Executive under this Agreement shall be subject to
Executive’s compliance with subparagraphs 7.2, 7.3 and 7.4.

 

7.2  Executive
shall, upon reasonable notice, furnish such information and assistance to
Company as may reasonably be required by Company in connection with any
litigation or governmental investigation in which it or any of its subsidiaries
or affiliates is, or may become, a party. 
Executive shall not be entitled to any additional compensation for
furnishing such information and assistance but shall be entitled to be
reimbursed for all expenses reasonably incurred thereby.

 

7.3  Executive
recognizes and acknowledges that his knowledge of the business activities and
plans for business activities of Company and affiliates thereof, as it may
exist from time-to-time, is a valuable, special and unique asset of the
business of Company.  Executive will
not, during or after the term of his employment, disclose any knowledge of the past,
present, planned or considered business activities of Company or affiliates
thereof to any person, firm, corporation, or other entity for any reason or
purpose whatsoever, unless compelled to do so by court or regulatory agency
process.  Notwithstanding the foregoing,
Executive may disclose any knowledge of banking, financial and/or economic
principles, concepts or ideas which are not solely and exclusively derived from
the business plans and activities of Company, and may disclose information
regarding Company to third parties such as investment bankers and investors so
long as to do so would not

 

3

 

constitute the release of
material, non-public information.  In
the event of a breach or threatened breach by Executive of the provisions of
this Section 7, Company will be entitled to an injunction restraining Executive
from disclosing, in whole in part, the knowledge of the past, present, planned
or considered business activities of Company or affiliates thereof, or from
rendering any services to any person, firm, corporation, other entity to whom
such knowledge, in whole or in part, has been disclosed or is threatened to be
disclosed.  Nothing herein will be
construed as prohibiting Company from pursuing any other remedies available to
Company for such breach or threatened breach, including the recovery of damages
from Executive.  Company acknowledges
that following termination of this Agreement, Executive may seek employment
with other financial institutions and agrees that Executive shall not, by
virtue of seeking or accepting such employment, be deemed to automatically have
disclosed or threatened to disclose any of his knowledge of the past, present,
planned or considered business activities of Company of its affiliates.

 

7.4  For a
period of one year after Executive’s employment termination, Executive will not
solicit any employee of Company to terminate his or her employment with
Company.

 

8.   Assignment.  This Agreement and the rights and
obligations of each of the parties hereunder may not be assigned by either
party without the prior written consent of the other party hereto; provided,
however, that this Agreement and all rights and obligations hereunder may be
assigned by Company to, and assumed by, any corporation or other business
entity which succeeds to all or substantially all of the business of Company
through a merger, consolidation, corporate reorganization or by acquisition of
all or substantially all of the stock or assets of Company.

 

9.   Parties
Bound.  This Agreement shall be
binding upon and inure to the benefit of the parties hereto and their
respective heirs, executors, administrators, legal representatives, successors
and assigns permitted by this Agreement.

 

10.   Governing
Law.  This Agreement shall be
governed by and construed in accordance with the laws of the State of
California.

 

11.   Arbitration.  As concluded by the parties hereto upon the
advice of counsel, and as evidenced by the signatures of the parties hereto,
any controversy between the parties hereto involving the construction,
application or enforcement of any of the terms, covenants or conditions of this
Agreement shall, on the written

 

4

 

request of one party
served upon the other, shall be resolved solely through final and binding
arbitration, which arbitration shall be conducted in Riverside County,
California in accordance with the applicable rules of the American Arbitration
Association then in effect governing employment disputes.  The only exception to this arbitration
clause is that Company may apply to a court for injunctive relief to enforce
Section 7 of this Agreement.

 

12.   Waiver
or Breach.  The waiver by either
party of any breach hereof by the other party or, in any particular instance or
series of instances, of any term or condition of this Agreement shall not
constitute nor be deemed a waiver of such breach or of any such term or
condition hereof in any other instance nor shall any waiver constitute a continuing
waiver hereunder.  No waiver shall be
binding unless executed in writing by the party making the waiver.

 

13.   Modification.  The provisions of this Agreement may be
amended, supplemented, cancelled or otherwise altered only by an agreement in
writing signed by each of the parties hereto.

 

14.   Severability.  If any provision contained in this Agreement
should, for any reason, be held to be invalid or unenforceable in any respect
under the laws of the United States or any state, such invalidity or
enforceability shall not affect the validity or enforceability of any other
provision.

 

15.   Guarantee;
No Duplication.  Company
unconditionally guarantees payment and provision of all amounts and benefits
due under the Employment Agreement between Life Bank and Executive entered into
contemporaneously herewith.  To the
extent payments and benefits required under this Agreement (including, without
limitation, insurance, vacation, holidays, sick leave, retirement, severance,
or 401(k)) are paid by Life Bank, such payments and benefits shall not be
duplicated by payments or benefits from Company.

 

16.   Integration.  This Agreement supersedes and replaces all prior oral or written
agreements between the parties, including that certain offer letter dated January
6, 2000, the January 12, 2000 Employment Agreement Between Life Bank and Steven
Gardner, the January 12, 2000 Employment Agreement Between Life Financial Corp.
and Steven Gardner, and the January 5, 2001 Amendment to the Employment
Agreements.  Without otherwise limiting
the scope of this paragraph, this Agreement shall not supersede any existing
stock option agreements between the parties.

 

5

 

	
   

  	
  LIFE FINANCIAL CORPORATION

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Dated: 
  06/27, 2002

  	
  By:

  	
  /s/ Ronald G. Skipper

  	
   

  
	
   

  	
   

  	
  Ronald G.
  Skipper

  
	
   

  	
   

  	
  Chairman of the
  Board

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  EXECUTIVE

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Dated:  June
  27, 2002

  	
  By:

  	
  /s/ Steven Gardner

  	
   

  
	
   

  	
   

  	
  Steven Gardner

  

 

6Exhibit
10.5

 

EMPLOYMENT AGREEMENT
BETWEEN LIFE BANK AND STEVEN GARDNER

 

This Employment
Agreement (“Agreement”) is by and between LIFE BANK, a federal savings bank
(“Bank”) and STEVEN GARDNER (“Executive”). 
Bank hereby employs Executive and Executive hereby accepts employment
with Bank in accordance with the following terms and subject to the following
conditions:

 

1.   Term.  This Agreement shall be retroactively
effective to January 5, 2001.  The
initial term of this Agreement shall be until January 5, 2004, unless earlier
terminated as provided herein.  This
Agreement may be extended for a one-year period upon the same terms and
conditions as are herein set forth if a majority of the disinterested members
of the Board of Directors affirmatively votes to so extend the contract on or
prior to the then applicable expiration date.

 

2.   Duties.  Executive shall serve as President, Chief
Executive Officer and Chief Operating Officer of the Company and the Bank.
Executive shall do and perform all services, acts or things necessary or
advisable to discharge the duties and responsibilities of that position,
subject to the policies, directives and oversight of the Boards of Directors of
the Company and of the Bank, and shall perform such other duties as the Boards
of Directors may assign to him from time-to-time.

 

3.   Extent
of Services.  Executive shall devote
substantially all of his energies, interest, abilities and productive time to
the business of Bank and its parent, and shall not, during the term of this Agreement,
be engaged in any other business activity other than that required of him in
connection with his positions with Bank and its parent.  Without otherwise limiting the scope of the
foregoing, nothing therein shall prevent Executive from investing his personal
assets in non-competing businesses that will not require any services on his
part.

 

4.   Compensation
and Benefits.  In full compensation
for all services rendered by Executive to Bank pursuant to this Agreement, Bank
shall compensate Executive as follows:

 

4.1   Salary.  Executive’s annual Base Salary shall be
$250,000.  Salary shall be paid in
periodic installments (not less than monthly) in accordance with the

 

1

 

general payroll practices
of the Bank, as in effect from time-to-time.

 

4.2   Fringe
Benefits.  Executive shall be
entitled to receive all benefits and conditions of employment generally
available to other executives of Bank, including, without limitation, sick
leave, disability, accident, life, hospitalization, medical and dental
insurance, paid holidays, and participation in any pension, profit sharing or
other retirement plan pursuant to the terms of said plans.

 

4.3   Vacation
and Sick Leave.  Starting on his
first day of active employment, Executive shall accrue paid vacation at the
rate of three weeks per year and paid sick leave at the rate of two hours per
pay period.  Except as stated in this
subparagraph, the terms and conditions of Executive’s vacation and sick pay
shall be governed by Life Bank’s Employee Handbook, as amended from
time-to-time.

 

4.4   Reimbursement
for Business Expenses.  Executive
shall be reimbursed for all reasonable business expenses incurred by him in
performing his duties under this Agreement in accordance with the policies of
Bank in effect from time-to-time.  All
requests for reimbursement shall be substantiated by invoices and other
pertinent data reasonably satisfactory to Bank.

 

4.5   Car
Allowance.  During the term of this
Agreement, Executive shall receive a monthly car allowance of $1,000.00.

 

4.6   Discretionary
Bonus.  Executive shall be eligible
for a discretionary performance bonus, based on individual performance and
overall performance of the Bank.  The
criteria for determining eligibility and the amount of any bonus shall be in
the discretion of the Bank’s Board of Directors.

 

5.   Termination
and Severance.

 

5..1  
Executive’s employment may be terminated with or without cause and with
or without advance notice.  If
Executive’s employment is terminated without cause by the Bank, Executive will
receive a severance payment equal to two times the sum of Executives’
then-current base salary plus his incentive bonus for the previous year, less
taxes and other required withholding, payable in a lump sum.  The payment specified in this paragraph
shall constitute the Bank’s sole financial obligations to Executive in the
event of a termination without cause. 
Pursuant to applicable OTS Regulations (12 C.F.R. § 563.39), Executive’s
employment shall

 

2

 

also be subject to
termination for cause.  “Cause” means
personal dishonesty, incompetence, willful misconduct, breach of fiduciary duty
involving personal profit, intentional failure to perform stated duties,
willful violation of any law, rule, or regulation (other than traffic
violations or similar offenses) or final cease-and-desist order, material
breach of any provision of this Employment Agreement, or continued incapacity
(because of disability or otherwise) to perform Executive’s duties.  If Executive’s employment is terminated with
cause by Bank, or if Executive voluntarily terminates his employment, Executive
will not have the right to receive compensation for any period after
termination.  If Executive voluntarily
terminates his employment with Bank, he shall be automatically deemed to have
terminated his employment with Life Financial Corporation.

 

5.2   Termination
Because of Change-in-Control.  If
Executive is terminated without cause because of a change-in-control of the
Bank, this subparagraph 5.2 shall govern his eligibility for severance
pay.  In such event, Executive will
receive a severance payment equal to two years’ Base Salary plus incentive,
less taxes and other required withholding, in a lump sum.  For purposes of this subparagraph,
“change-in-control” means an acquisition of all, or substantially all, of the
Bank’s assets, as well as the acquisition of ownership or voting control by a
party or “group”, as defined in the applicable securities laws, of 35% or more
of Company’s outstanding voting securities.

 

6.   Required
Provisions

 

6.1   The Bank
may terminate Executive’s employment at any time, but any termination by the
Bank, other than Termination for Cause, shall not prejudice Executive’s right
to compensation or other benefits under this Agreement.  Executive shall not have the right to
receive compensation or other benefits for any period after Termination for
Cause as defined in Section 5 herein above.

 

6.2   If
Executive is suspended from office and/or temporarily prohibited from
participating in the conduct of the Bank’s affairs by a notice served under
Section 8(e)(3) or 8(g)(1) of the Federal Deposit Insurance Act, 12 U.S.C.
§ 1818(e)(3) or (g)(1), the Bank’s obligations under this contract shall
be suspended as of the date of service, unless stayed by appropriate
proceedings.  If the charges in the
notice are dismissed, the Bank may in its discretion (i) pay Executive all or
part of the compensation withheld while their contract obligations were
suspended; and (ii) reinstate (in whole or in part) any of the obligations
which were suspended.

 

3

 

6.3   If
Executive is removed and/or permanently prohibited from participating in the conduct
of the Bank’s affairs by an order issued under Section (e)(4) or 8(g)(l) of the
Federal Deposit Insurance Act, 12 U.S.C. § 1818(e)(4) or (g)(l), all
obligations of the Bank under this contract shall terminate as of the effective
date of the order, but vested rights of the contracting parties shall not be
affected.

 

6.4   If the
Bank is in default as defined in Section 3(x)(l) of the Federal Deposit
Insurance Act, 12 U.S.C. § 1813(x)(l) all obligations of the Bank under
this contract shall terminate as of the date of default, but this paragraph
shall not affect any vested rights of the contracting parties.

 

6.5   All
obligations of the Bank under this contract shall be terminated, except to the
extent determined that continuation of the contract is necessary for the
continued operation of the institution, (i) by the Director of the OTS (or his
designee), the FDIC or the Resolution Trust Corporation, at the time the FDIC
enters into an agreement to provide assistance to or on behalf of the Bank
under the authority contained in Section 13(c) of the Federal Deposit Insurance
Act, 12 U.S.C. § 1823(c); or (ii) by the Director of the OTS (or his designee)
at the time the Director (or his designee) approves a supervisory merger to
resolve problems related to the operations of the Bank or when the Bank is
determined by the Director to be in an unsafe or unsound condition.  Any rights of the parties that have already
vested, however, shall not be affected by such action.

 

6.6   Any
payments made to Executive pursuant to this Agreement, or otherwise, are
subject to and conditioned upon compliance with 12 U.S.C. § 1828(k) and 12
C.F.R. § 545.121 and any rules and regulations promulgated thereunder.

 

7.   Notices.  All notices and other communications to be
given pursuant to this Agreement shall be in writing and may be served
personally or by first class mail to the parties at such places as either of
the parties hereto may from time to time designate in writing.

 

8.   Post-Termination
Obligations.

 

8.1   All
payments and benefits to Executive under this Agreement shall be subject to
Executive’s compliance with subparagraphs 8.2, 8.3 and 8.4.

 

4

 

8.2   Executive
shall, upon reasonable notice, furnish such information and assistance to Bank
as may reasonably be required by Bank in connection with any litigation or
governmental investigation in which it or any of its subsidiaries or affiliates
is, or may become, a party.  Executive
shall not be entitled to any additional compensation for furnishing such
information and assistance but shall be entitled to be reimbursed for all
expenses reasonably incurred thereby.

 

8.3   Executive
recognizes and acknowledges that his knowledge of the business activities and
plans for business activities of Bank and affiliates thereof, as it may exist
from time-to-time, is a valuable, special and unique asset of the business of
Bank.  Executive will not, during or
after the term of his employment, disclose any knowledge of the past, present,
planned or considered business activities of Bank or affiliates thereof to any
person, firm, corporation, or other entity for any reason or purpose
whatsoever, unless compelled to do so by court or regulatory agency
process.  Notwithstanding the foregoing,
Executive may disclose any knowledge of banking, financial and/or economic
principles, concepts or ideas which are not solely and exclusively derived from
the business plans and activities of Bank, and may disclose information
regarding Bank to third parties such as investment bankers and investors so
long as to do so would not constitute the release of material, non-public
information.  In the event of a breach
or threatened breach by Executive of the provisions of this Section 8, Bank
will be entitled to an injunction restraining Executive from disclosing, in
whole in part, the knowledge of the past, present, planned or considered
business activities of Bank or affiliates thereof, or from rendering any
services to any person, firm, corporation, other entity to whom such knowledge,
in whole or in part, has been disclosed or is threatened to be disclosed.  Nothing herein will be construed as
prohibiting Bank from pursuing any other remedies available to Bank for such
breach or threatened breach, including the recovery of damages from
Executive.  Bank acknowledges that
following termination of this Agreement, Executive may seek employment with
other financial institutions and agrees that Executive shall not, by virtue of
seeking or accepting such employment, be deemed to automatically have disclosed
or threatened to disclose any of his knowledge of the past, present, planned or
considered business activities of the Bank or its affiliates.

 

8.4   For a
period of one year after Executive has terminated his employment with Bank,
Executive will not solicit any employee of Bank to terminate his or her
employment with Bank.

 

9.   Assignment.  This Agreement and the rights and
obligations of each of

 

5

 

the parties hereunder may
not be assigned by either party without the prior written consent of the other
party hereto provided, however, that this Agreement and all rights and
obligations hereunder may be assigned by Bank to, and assumed by, any
corporation or other business entity which succeeds to all or substantially all
of the business of Bank through a merger, consolidation, corporate
reorganization or by acquisition of all or substantially all of the stock or
assets of Bank.

 

10.   Parties Bound.  This Agreement shall be binding upon and
inure to the benefit of the parties hereto and their respective heirs,
executors, administrators, legal representatives, successors and assigns
permitted by this Agreement.

 

11.   Governing
Law.  This Agreement shall be
governed by and construed in accordance with the laws of the State of
California, except to the extent preempted by federal law.

 

12.   Arbitration.  As concluded by the parties hereto upon the
advice of counsel, and as evidenced by the signatures of the parties hereto,
any controversy between the parties hereto involving the construction,
application or enforcement of any of the terms, covenants or conditions of this
Agreement shall, on the written request of one party served upon the other, be
resolved solely through final and binding arbitration, which arbitration shall
be conducted in Riverside County, California in accordance with the applicable
rules of the American Arbitration Association then in effect governing
employment disputes.  The only exception
to this arbitration clause is that Bank may apply to a court for injunctive
relief to enforce Section 8 of this Agreement.

 

13.   Waiver
or Breach.  The waiver by either
party of any breach hereof by the other party or, in any particular instance or
series of instances, of any term or condition of this Agreement shall not
constitute nor be deemed a waiver of such breach or of any such term or
condition hereof in any other instance nor shall any waiver constitute a
continuing waiver hereunder.  No waiver
shall be binding unless executed in writing by the party making the waiver.

 

14.   Modification.  The provisions of this Agreement may be
amended, supplemented, cancelled or otherwise altered only by an agreement in
writing signed by each of the parties hereto.

 

15.   Severability.  If any provision contained in this Agreement
should, for any reason, be held to be invalid or unenforceable in any respect
under the laws of

 

6

 

the United States or any
state, such invalidity or enforceability shall not affect the validity or
enforceability of any other provision.

 

16.   No
Duplication.  To the extent payments
and benefits required under this Agreement (including, without limitation,
insurance, vacation, holidays, sick leave, severance, retirement or 401(k)) are
paid by Life Financial Corp., such payments and benefits shall not be
duplicated by payments or benefits from Bank.

 

17.   Integration.  This Agreement supersedes and replaces all
prior oral or written agreements between the parties including that certain
offer letter dated January 6, 2000., the January 12, 2000 Employment Agreement
Between Life Bank and Steven Gardner, the January 12, 2000 Employment Agreement
Between Life Financial Corp. and Steven Gardner, and the January 5, 2001
Amendment to the Employment Agreements. 
Without otherwise limiting the scope of this paragraph, this Agreement
shall not supersede any existing stock option agreements between the parties.

 

7

 

	
   

  	
  LIFE BANK, FSB

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Dated:

  	
  6/27, 2002

  	
   

  	
  By:

  	
  /s/ Ronald G. Skipper

  	
   

  
	
   

  	
   

  	
  Ronald G.
  Skipper

  
	
   

  	
   

  	
  Chairman of the
  Board

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  EXECUTIVE

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  Dated:

  	
  June 27, 2002

  	
   

  	
  By:

  	
  /s/ Steven Gardner

  	
   

  
	
   

  	
   

  	
  Steven Gardner

  
							

 

8

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