Document:

<PAGE>

                                                                    EXHIBIT 10.8

                                ESCROW AGREEMENT
                                ----------------

     THIS ESCROW AGREEMENT (this "Agreement") is effective as of October 2,
2001, among First Consumer Credit, Inc., a Texas corporation (the "Company") and
all of the former shareholders of the Company as identified on the signature
page herein (the "Shareholders"), U.S. Home Systems, Inc., a Delaware
corporation ("Parent") and Corporate Stock Transfer, Denver, Colorado ("Escrow
Agent").

                                    RECITALS

     WHEREAS, the Company and the Shareholders, Parent and Home Credit
Acquisition Inc. (the "Sub") have entered into an Agreement and Plan of Merger
relating to the merger of Sub with and into the Company with the Company
remaining as the Surviving Company (the "Merger Agreement").

     WHEREAS, capitalized terms in this Agreement shall have the same meaning as
defined in the Merger Agreement unless otherwise noted in this Agreement.

     WHEREAS, the Company, Shareholders, Parent and Escrow Agent have agreed
that Escrow Agent will hold and disburse the Escrowed Shares in accordance with
the provisions of this Agreement and the Merger Agreement.

     WHEREAS, the Company, Shareholders and Parent have agreed if the
Shareholders become obligated to indemnify Parent, the Surviving Company or
other Indemnitee with respect to any claim for indemnification pursuant to the
Merger Agreement, the Escrowed Shares will provide for the payment of the
Shareholders' obligations under Article VIII of the Merger Agreement.

     NOW, THEREFORE, in consideration of the foregoing and the mutual
representations, warranties and covenants contained herein, the parties agree as
follows:

                                    AGREEMENT

     1.   The Company, Parent and the Shareholders appoint Escrow Agent as their
escrow agent and Escrow Agent agrees to serve as Escrow Agent in accordance with
the provisions hereof.

     2.   On the Closing Date of the Merger Agreement, Parent shall issue and
deliver Parent's Shares to the Shareholders. On the Closing Date, the
Shareholders shall deliver to the Escrow Agent stock certificates registered in
the name of the Shareholders representing the number of shares of Parent's
Common Stock equal to 20% of Parent's Shares issued to the Shareholders (the
"Escrowed Shares"). Set forth on Schedule A attached hereto is the name and
address of each Shareholder and the amount and percentage of Escrowed Shares
owned by each Shareholder. The Escrowed Shares represent an aggregate of 194,286
shares of Parent's Common Stock.

ESCROW AGREEMENT - Page 1

<PAGE>

     3.   The Shareholders' aggregate liability for indemnification hereunder
and under the Merger Agreement shall be limited to $680,000, the fair market
value of the Escrowed Shares as calculated at Closing. Each Shareholder's
individual liability for indemnification under the Merger Agreement shall not
exceed the percentage of Escrowed Shares set forth beside their name on Schedule
A. The Shareholders' liability for payment of Indemnifiable Claims under the
Merger Agreement shall be limited exclusively to Parent's right to receive for
cancellation an appropriate number of Escrowed Shares pursuant to Section 8.4 of
the Merger Agreement and Section 4 of this Agreement. Notwithstanding any other
provision of the Merger Agreement, this Agreement, or any other agreement or
document, under no circumstances shall a Shareholder be required to make any
cash payment to Parent or Sub for an Indemnifiable Claim or otherwise.

     4.   If the Shareholders become obligated to indemnify Parent, the
Surviving Company or other Indemnitee with respect to an Indemnifiable Claim
pursuant to the Merger Agreement and the amount of liability with respect
thereto shall have been finally determined, the Escrow Agent shall release to
Parent for cancellation an aggregate number of Escrowed Shares, the fair market
value of which shall be equal to the amount of the Indemnifiable Claim;
provided, however, that the Shareholders shall be entitled to satisfy the
--------  -------
Indemnifiable Claim by paying the full amount of the Indemnifiable Claim in cash
to Parent within ten (10) calendar days after final determination of an
Indemnifiable Claim. If Shareholders elect to pay the Indemnifiable Claim in
cash, Escrow Agent shall release to the Shareholders the number of Escrowed
Shares equal in fair market value to the amount of cash paid by the
Shareholders. The fair market value per share of the Escrowed Shares to be
delivered to Parent for cancellation, or released to Shareholders if they pay an
Indemnifiable Claim in cash, shall be the Average Closing Price or if
applicable, the Adjusted Average Closing Price as calculated at Closing pursuant
to Section 2.5(a) of the Merger Agreement. The release of Escrowed Shares
pursuant to this Section 4 shall be borne pro rata by the Shareholders and
following any such release, the Shareholders shall continue to own the same
Shareholder Percentage of any remaining Escrowed Shares. Escrow Agent shall only
be required to deliver such Escrowed Shares to Parent for cancellation after
receipt of written instructions signed by both Parent and the Shareholders
directing Escrow Agent to deliver the designated number of Escrowed Shares to
Parent as payment for the Indemnifiable Claims.

     5.   An Indemnifiable Claim must first be asserted in writing within two
(2) years from the Closing Date. Any Indemnifiable Claim that is not asserted
within the two-year period shall be forever barred. If two (2) years after the
Closing Date (the "Termination Date") the Escrow Agent has not received notice
from the Parent that there is a pending Indemnifiable Claim, Escrow Agent shall
deliver to the Shareholders, within ten (10) business days after the second
anniversary of the Closing Date, without requiring any written instructions from
Parent, the Escrowed Shares then on deposit with Escrow Agent. If on the
Termination Date there exists any unresolved Indemnifiable Claims, Escrow Agent
shall retain the number of Escrowed Shares (or cash if the Shareholders elects
to deliver the amount of cash for such claim to Escrow Agent) as designated in
writing by the Shareholders and Parent, which they collectively agree are
necessary to indemnify such Indemnifiable Claim. The remaining Escrowed Shares
shall then be released and delivered to the Shareholders. This Agreement will
continue after the Termination Date until all Indemnifiable Claims are paid or
resolved in accordance with this Agreement and the Merger Agreement. Upon the
payment or resolution of all Indemnifiable Claims after the

ESCROW AGREEMENT - Page 2

<PAGE>

Termination Date, the remaining Escrowed Shares, if any, shall be released and
delivered to the Shareholders within ten (10) business days after receipt by
Escrow Agent of written instructions signed by the Shareholders and Parent.

     Prior to the Termination Date, provided there are no Indemnifiable Claims,
the Escrow Agent shall release to the Shareholders all Escrowed Shares then on
deposit within ten (10) business days after receipt by Escrow Agent of written
instructions signed by Parent and the Shareholders that any of the following
events have occurred:

          (a)  a transaction occurs so that the Surviving Company is no longer a
     wholly owned subsidiary of Parent;

          (b)  Surviving Company sells all or substantially all of its assets;
     or

          (c)  the termination by the Company of the employment of James D.
     Borschow other than for "Just Cause" as defined in the Employment
     Agreement.

     If during the first year of the Escrow Agreement there is a transfer in a
single transaction of the right to control twenty-five percent (25%) or more of
the Parent's voting securities ("Change in Control") on the first anniversary
date of the Escrow Agreement the Escrow Agent shall release to the Shareholders
pro rata based on their Shareholder's Percentage fifty percent (50%) of the
Escrowed Shares provided there are no Indemnifiable Claims on the first
anniversary date. If during the second year of the Escrow Agreement there is a
Change in Control, the Escrow Agent shall release to the Shareholders within ten
(10) business days after receipt by Escrow Agent of written instructions signed
by Parent and the Shareholders all of the Escrowed Shares, provided there is no
Indemnifiable Claims.

     6.   The following shall govern disputes arising under this Agreement:

          (a)  Should any controversy arise between or among the parties, or
     with any other person, firm or entity, with respect to this Escrow
     Agreement, the Escrowed Shares or the right of any party or other person to
     receive the Escrowed Shares, or should the parties fail to designate
     another Escrow Agent as provided in paragraph 7(b) hereof, or if Escrow
     Agent should be in doubt as to what action to take, Escrow Agent shall have
     the right (but not the obligation) to (a) withhold delivery of the Escrowed
     Shares until the controversy is resolved, the conflicting demands are
     withdrawn or its doubt is resolved, and/or (b) institute a bill of
     interpleader in any court of competent jurisdiction in Dallas County, Texas
     to determine the rights of the parties hereto.

          (b)  The parties agree that any controversy arising out of this
     Agreement shall be resolved in accordance with Article IX of the Merger
     Agreement.

          (c)  The parties agree that, in the event of a party's intentional
     refusal to sign written instructions to the Escrow Agent after liability
     under Section 4 or a release event under Section 5 has been finally
     determined (the "Breaching Party"), the other party may, in addition to any
     remedy which they may have at law or in equity, apply to court of competent
     jurisdiction in Dallas County, Texas for an entry of an immediate order to
     specifically enforce the terms of this Agreement.

ESCROW AGREEMENT - Page 3

<PAGE>

          (d)  The Breaching Party shall be liable for any and all consequential
     damages arising from the failure to sign written instructions. Parent
     expressly acknowledges that, if it is the Breaching Party, any damages
     arising from its actions shall not be subject to the Parent's and Sub's
     Liability Limit set forth in the Merger Agreement.

          (e)  The parties expressly agree that a claim for a material breach of
     this Agreement by Parent shall constitute a defense to enforcement of the
     Shareholders' covenants contained in sections 5.2(f) and 5.2(g) of the
     Merger Agreement and Section 6 of the Employment Agreement between James D.
     Borschow and the Surviving Company. For purposes of this Agreement, a
     "material breach" shall include any event or circumstance which could
     reasonably be expected to result in a liability to a party hereto in excess
     of $50,000 individually and in the aggregate.

     7.   The following shall govern the rights, privileges, immunities and
liabilities of Escrow Agent:

          (a)  In performing any of its duties hereunder, Escrow Agent shall not
     incur any liability to any of the parties hereto for any damages, losses or
     expenses, unless caused by Escrow Agent's gross negligence or willful
     default, and it shall, accordingly, not incur any such liability with
     respect to:

               (i)  any action taken or omitted in good faith upon advice of
          counsel for Escrow Agent given with respect to any questions relating
          to the duties and responsibilities of Escrow Agent under this Escrow
          Agreement; or

               (ii) any action taken or omitted in reliance upon any notice or
          other instrument furnished to Escrow Agent by any of the parties
          pursuant hereto, not only as to its due execution, but also as to the
          truth and accuracy of any information contained therein, which Escrow
          Agent shall in good faith believe to be genuine, to have been signed
          or presented by a proper person or persons, and to conform with the
          provisions of this Escrow Agreement

          (b)  Escrow Agent may resign at any time upon ten (10) days written
     notice to all parties, in which event it shall be succeeded by such person
     or institution as the Shareholders and Parent may select;

          (c)  The parties hereby agree to indemnify and hold Escrow Agent
     harmless from and against any and all losses, claims, damages, liabilities
     and expenses ("Claims"), including reasonable costs of investigation,
     counsel fees and disbursements, which may be incurred by Escrow Agent in
     connection with its acceptance of appointment as Escrow Agent hereunder or
     the performance of its duties hereunder, and any arbitration, litigation or
     other proceedings arising from this Escrow Agreement or involving the
     subject matter hereof.

     8.   Delivery of the Escrowed Shares to the Shareholders as provided herein
and any notice given pursuant to this Agreement must be in writing and may be
given by registered or certified mail, and if given by registered or certified
mail, shall be deemed to have been given

ESCROW AGREEMENT - Page 4

<PAGE>

and received when a registered or certified letter containing such notice,
properly addressed with postage prepaid, is deposited in the United States
mails; and if given otherwise than by registered or certified mail, it shall be
deemed to have been given when delivered to and received by the party to whom
addressed. Delivery of the Escrowed Shares and such notices shall be given to
the Shareholders and Parent at the addresses set forth in the Merger Agreement,
which addresses may be changed by written notice to the other parties in
accordance with this paragraph.

     9.   THIS ESCROW AGREEMENT IS TO BE PERFORMED IN THE STATE OF TEXAS, COUNTY
OF DALLAS, AND SHALL BE INTERPRETED AND CONSTRUED IN ACCORDANCE WITH AND SHALL
BE GOVERNED BY THE LAWS OF THE STATE OF TEXAS, WITHOUT REGARD TO CONFLICT OF LAW
RULES. ANY JUDICIAL PROCEEDINGS BROUGHT BY OR AGAINST ANY PARTY WITH RESPECT TO
ANY DISPUTE ARISING OUT OF THIS AGREEMENT SHALL BE BROUGHT IN THE STATE OR
FEDERAL COURTS WHICH HAVE JURISDICTION WITHIN DALLAS COUNTY, TEXAS.

     10.  This Escrow Agreement may be executed by the parties in counterparts,
each of which shall be deemed an original document but all of which together
shall constitute one agreement.

     11.  This Agreement may be amended, modified or waived only by a written
agreement signed by the Shareholders, Parent and Escrow Agent. With regard to
any power, remedy or right provided in this Agreement or otherwise available to
any party, (i) no waiver or extension of time shall be effective unless
expressly contained in a writing signed by the waiving party, (ii) no
alteration, modification or impairment shall be implied by reason of any
previous waiver, extension of time, delay or omission in exercise or other
indulgence, and (iii) waiver by any party of the time for performance of any act
or condition hereunder does not constitute a waiver of the act or condition
itself.

     12.  This Agreement shall be binding upon and shall inure to the benefit of
the parties and their respective assigns, heirs, successors and legal
representatives.

     13.  The Escrow Agent shall receive an annual fee of $1,000 for its
services hereunder. The initial fee shall be paid to Escrow Agent by Parent on
the execution date of this Agreement. On the annual anniversary date of this
Agreement, if this Agreement is in effect, Parent shall pay Escrow Agent the
$1,000 annual fee.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

ESCROW AGREEMENT - Page 5

<PAGE>

     This Escrow Agreement is executed and delivered by the parties hereto as of
the date set forth below.

                                              THE COMPANY:
                                              -----------

                                              FIRST CONSUMER CREDIT, INC.

                                              By:   /s/ James D. Borschow
                                                 ------------------------------
Dated: October 2, 2001                             James D. Borschow, President

                                              THE SHAREHOLDERS:
                                              ----------------

                                                    /s/ James D. Borschow
                                              ----------------------------------
Dated: October 2, 2001                        James D. Borschow
                                              7334 Larchview
                                              Dallas, Texas 75240

                                                    /s/ Richard Driscoll
                                              ----------------------------------
Dated: October 2, 2001                        Richard Driscoll
                                              2044 Greenwood Lane
                                              Roanoke, Texas 76262

                                              First Savings Bank, F.S.B.

                                              By:   /s/ Richard Driscoll
                                                 -------------------------------
Dated:  October 2, 2001                       Its: President
                                              301 South Center Street, Suite 120
                                              Arlington, Texas 76010

ESCROW AGREEMENT - Page 6

<PAGE>

                                               PARENT:
                                               ------

                                               U.S. HOME SYSTEMS, INC.

                                               By:   /s/ Murray Gross
                                                   -----------------------------
Dated: October 2, 2001                             Murray Gross, President

                                               ESCROW AGENT:
                                               ------------

                                               CORPORATE STOCK TRANSFER

                                               By:   /s/ Carolyn Bell
                                                   -----------------------------
Dated: October 2, 2001                             Carolyn Bell, President

ESCROW AGREEMENT - Page 7

<PAGE>

                                   SCHEDULE A
                                       TO
                                ESCROW AGREEMENT

                 Shareholder                             Escrowed Shares
        -----------------------------             -----------------------------

        James D. Borschow
        7334 Larchview Drive
        Dallas, Texas 75240
        SS ####-##-####                                      91,431

        Richard J. Driscoll
        2044 Greenwood Lane
        Roanoke, Texas 76262                                 11,424
        SS# ###-##-####

        First Savings Bank, FSB
        301 S. Center Street, Suite 120
        Arlington, Texas 76010
        Tax ID# 75-2072785                                   91,431

                                                  ------------------------------

           Total Escrowed Shares                            194,286<PAGE>

                                                                    EXHIBIT 10.9

                           RETAIL INSTALLMENT CONTRACT
                    ORIGINATION AND INDEMNIFICATION AGREEMENT

     THIS AGREEMENT (the "Agreement") is made and entered into effective as of
October 2, 2001, by and among First Savings Bank, FSB, a federal savings bank
located in Arlington, Texas ("FSB"), First Consumer Credit, Inc., a Texas
corporation located in Dallas, Texas ("FCC") and US Home Systems, Inc., a
Delaware corporation with its principal offices located in Lewisville, Texas
("US Home"), and provides as follows:

                                    RECITALS

     WHEREAS, pursuant to the Agreement and Plan of Merger, dated September 28,
2001, FCC became a wholly owned subsidiary of US Home (the "Merger");

     WHEREAS, prior to the Merger, FSB purchased retail installment contracts
(the "Contracts") for home improvement loans in the State of New York and
subsequently assigned the Contracts to FCC (the "Business Arrangement"); and

     WHEREAS, FCC and US Home have requested that FSB continue the Business
Arrangement and FSB is willing to continue the Business Arrangement upon and
subject to the terms and conditions set forth herein.

     NOW, THEREFORE, in consideration of the foregoing and the mutual covenants
contained herein, the parties agree as follows:

     1.  Origination and Assignment of Loans. At the written request of FCC, FSB
         -----------------------------------
shall purchase, as lender, Contracts in the State of New York. FCC shall process
the purchase of the Contracts as agent for FSB. Subsequent to such purchase, FSB
shall assign such Contracts to FCC and FCC shall purchase at face value such
Contracts from FSB in accordance with the arrangement between FSB and FCC prior
to the Merger.

     2.  Application for License. FCC shall apply for a license to purchase
         -----------------------
Contracts directly in New York within sixty (60) days of the date of this
Agreement. If such license application is denied and all appeals are exhausted
so that it is finally determined that FCC cannot obtain such a license in the
State of New York, then FSB may terminate this Agreement upon written notice to
FCC and US Home.

     3.  Continued Employment of Borschow. FSB may terminate the Agreement if
         --------------------------------
for any reason whatsoever, James D. Borschow is not the officer of FCC with sole
authority to oversee the Business Arrangement. FSB may exercise this right to
terminate by giving written notice to FCC and US Home.

     4.  Indemnification. FCC and US Home, jointly and severally, shall
         ---------------
indemnify and hold FSB, its officers, directors, shareholders, employees and
agents (an "Indemnitee") harmless at all times following the date of this
Agreement against and in respect of all out-of-pocket damages, costs,
liabilities, losses, judgments, penalties, fines, expenses or other costs,
including reasonable attorneys fees, disbursements and court costs and costs of
investigation

                                       -1-

<PAGE>

("Losses") incurred by an Indemnitee arising from or related to this Agreement
and the Business Arrangement described herein.

          (a)  If a claim or demand is made against an Indemnitee, or an
     Indemnitee shall otherwise learn of an assertion, (a "Third-Party Claim")
     as to which FCC and US Home (the "Indemnifying Party") may be obligated to
     provide indemnification pursuant to this Agreement, such Indemnitee will
     notify the Indemnifying Party in writing, and in reasonable detail, of the
     Third-Party Claim reasonably promptly after becoming aware of such
     Third-party Claim; provided, however, that failure to give such
     notification will not affect the indemnification provided hereunder except
     to the extent the Indemnifying Party shall have been actually prejudiced as
     a result of such failure.

          (b)  If a Third-Party Claim is made against an Indemnitee and the
     Indemnifying Party unconditionally and irrevocably acknowledges in writing
     its obligation to indemnify the Indemnitee therefor, the Indemnifying Party
     will be entitled to assume the defense thereof (at the expense of the
     Indemnifying Party) with counsel selected by the Indemnifying Party and
     reasonably satisfactory to the Indemnitee. Should the Indemnifying Party so
     elect to assume the defense of a Third-Party Claim, the Indemnifying Party
     shall take all steps necessary in the defense or settlement thereof and
     shall at all times diligently and promptly pursue the resolution thereof.
     If the Indemnifying Party so elects to assume the defense of a Third-Party
     Claim and the Indemnifying Party diligently and promptly pursues the
     resolution thereof, the Indemnifying Party will not be liable to the
     Indemnitee for any legal or other expenses subsequently incurred by the
     Indemnitee in connection with the defense thereof. If the Indemnifying
     Party assumes the defense of any Third-Party Claim, the Indemnitee shall
     have the right to participate in the defense thereof and to employ counsel,
     at its own expense, separate from the counsel employed by the Indemnifying
     Party. The Indemnifying Party shall be liable for the fees and expenses of
     counsel employed by the Indemnitee for any period during which the
     Indemnifying Party has failed to assume the defense thereof or if it does
     not expressly elect to assume the defense thereof (including acknowledging
     its indemnification obligation as aforesaid). If the Indemnifying Party
     assumes the defense of any Third-Party Claim, the Indemnifying Party will
     promptly supply to the Indemnitee copies of all correspondence and
     documents relating to or in connection with such Third-Party Claim and keep
     the Indemnitee fully informed of all developments relating to or in
     connection with such Third-Party Claim (including, without limitation,
     providing to the Indemnitee on request updates and summaries as to the
     status thereof). If the Indemnifying Party chooses to defend a Third-Party
     Claim, all the Indemnitees shall reasonably cooperate with the Indemnifying
     Party in the defense thereof (such cooperation to be at the expense,
     including reasonable legal fees and expenses, of the Indemnifying Party).

          (c)  If the Indemnifying Party unconditionally and irrevocably
     acknowledges in writing its obligation to indemnify the Indemnitee for a
     Third-Party Claim, the Indemnitee will agree to any settlement, compromise
     or discharge of such Third-Party Claim which the Indemnifying Party may
     recommend and which by its terms obligates the Indemnifying Party to pay
     the full amount of Losses in connection with such Third-Party Claim and
     unconditionally and irrevocably releases the Indemnitee completely

                                       -2-

<PAGE>

     from all liability in connection with such Third-Party Claim, provided,
     however, that, without the Indemnitee's prior written consent, the
     Indemnifying Party shall not consent to any settlement, compromise or
     discharge (including the consent to entry of any judgment), and the
     Indemnitee may refuse to agree to any such settlement, compromise or
     discharge (x) that provides for injunctive or other nonmonetary relief
     affecting the Indemnitee or (y) that, in the reasonable opinion of the
     Indemnitee would otherwise materially adversely affect the Indemnitee. If
     the Indemnifying Party unconditionally and irrevocably acknowledges in
     writing its obligation to indemnify the Indemnitee for a Third-Party Claim,
     the Indemnitee shall not (unless required by law) admit any liability with
     respect to, or settle, compromise or discharge, such Third-Party Claim
     without the Indemnifying Party's prior written consent (which consent shall
     not be unreasonably withheld). If the Indemnifying Party does not assume
     the defense of any claim or proceeding resulting therefrom in accordance
     with the terms of this Agreement, the Indemnitee may defend against such
     claim or proceeding in such manner as it may deem appropriate including
     settling such claim or proceeding after giving notice of the same to the
     Indemnifying Party, on such terms as the Indemnitee may deem appropriate.

         (d)  The obligation of FSB and US Home to indemnify and hold the
     Indemnitee harmless as provided for herein shall survive termination of
     this Agreement and shall continue in full force and effect for a period of
     six (6) years after the termination of this Agreement; provided, however,
     any indemnification obligation arising from a claim of fraud shall survive
     indefinitely.

     5.  Term. This Agreement shall, if not terminated earlier by FSB, terminate
         ----
by its own terms on September 30, 2003.

                   Remainder of page intentionally left blank

                                       -3-

<PAGE>

     IN WITNESS HEREOF, the parties have caused this Agreement to be executed by
its duly authorized representatives effective as of the date first written
above.

                                     FIRST CONSUMER CREDIT, INC., a
                                     Texas corporation

                                     By:   /s/ James D. Borschow
                                        -------------------------------------
                                     Its: President
                                     Name: James D. Borschow
                                     Address: 12740 Hillcrest Road, Suite 240
                                              Dallas, Texas 75230

                                     FIRST SAVINGS BANK, F.S.B.

                                     By:   /s/ Richard J. Driscoll
                                        -------------------------------------
                                     Its:  President
                                     Name: Richard J. Driscoll
                                     Address: 301 South Center Street, Suite 120
                                              Arlington, Texas  76010

                                     U.S. HOME SYSTEMS, INC., a
                                     Delaware corporation

                                     By:   /s/ Murray H. Gross
                                        -------------------------------------
                                     Its: President
                                     Name: Murray H. Gross
                                     Address: 750 State Highway 121 Bypass,
                                              Suite 170
                                              Lewisville, Texas 75067

                                       -4-

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