Document:

<PAGE>

                                                                 EXHIBIT 10.33.5

Borrower:   SILVER DINER, INC., a Delaware corporation (the "Borrower")
            -----------------------------------------------------------

Account Number:   9560083952                  Note Number: 00006

Address:    11806 Rockville Pike              Montgomery County, Maryland
            Rockville, MD. 20852              Date:  January 15, 2002

                                      BB&T

                                 PROMISSORY NOTE

     THE UNDERSIGNED REPRESENTS THAT THE LOAN EVIDENCED HEREBY IS BEING OBTAINED
FOR BUSINESS/COMMERCIAL OR AGRICULTURAL PURPOSES. For value received, the
undersigned, jointly and severally, if more than one, promises to pay to BRANCH
BANKING AND TRUST COMPANY, a North Carolina banking corporation (the "Bank"), or
order, at any of Bank's offices in the above referenced city (or such other
place or places that may be hereafter designated by Bank), the sum of Five
Hundred Thousand Dollars ($500,000.00), or so much thereof as shall be advanced
hereunder, together with interest thereon, in immediately available coin or
currency of the United States of America. The unpaid principal balance of this
Note outstanding from time to time shall bear interest at the variable rate
equal to the Prime Rate (hereinafter defined) plus one-half of one percent
(.50%) per annum to be adjusted as and when such Prime Rate changes. The Prime
Rate is equal to the rate reported in The Wall Street Journal in its "Money
Rates" column as the "Prime Rate" and, if more than one rate or a range of rates
are reported as the "Prime Rate," the highest such rate, changing as and when
such rate shall change. If The Wall Street Journal shall cease to publish the
"Prime Rate," the "Prime Rate" shall mean that rate announced from time to time
by the Bank as its Commercial Base Rate of Interest. The Borrower acknowledges
and agrees that the "Prime Rate" and the Commercial Base Rate of Interest are
references used by the Bank in determining interest rates on certain loans and
are not intended to be the lowest rate of interest charged on any extension of
credit to any customer.

     Borrower shall pay the principal and interest hereunder as follows:

     This Note shall be payable interest only, monthly in arrears, on the first
day of February 2002 and on the first day of each calendar month thereafter
through December 1, 2003. Commencing on January 1, 2004 and on the first day of
each subsequent month through December 1, 2009, Borrower shall pay an
installment of principal equal to 1/72 of the principal balance of the Year 2002
Note as of December 1, 2003, plus accrued interest. All principal, interest and
other amounts due under the Year 2002 Note shall be due and payable in full on
December 1, 2009.

     In addition, the undersigned promises to pay to Bank, or order, a late fee
in the amount of five percent (5%) of any installment past due for ten (10) or
more days. When any installment payment is past due for ten (10) or more days,
subsequent payments shall first be applied to the

                                      -10-

<PAGE>

past due balance. All interest shall be computed and charged for the actual
number of days elapsed on the basis of a year consisting of three hundred sixty
(360) days.

     This Note is given by the undersigned in connection with the following
agreements between the undersigned and the Bank: Amended and Restated Loan
Agreement dated May 10, 2000 between Bank, the Borrower and the other Borrower
Parties (defined therein) (the "Loan Agreement"); Security Agreement dated as of
even date with the Loan Agreement conveying a security interest in favor of Bank
given by Borrower (the "Security Agreement"), Assignments of Leasehold as
Collateral dated various dates, from Borrower to Bank assigning to Bank
Borrower's interests as tenant under various leases (the "Lease Assignments");
and Financing Statements.

     All of the terms, conditions and covenants of the above described
agreements (collectively, the "Agreements") are expressly made a part of this
Note by reference in the same manner and with the same effect as if set forth
herein at length and any holder of this Note is entitled to the benefits of and
remedies provided in the Agreements and any other agreements by and between the
undersigned and the Bank.

     No delay or omission on the part of the holder in exercising any right
hereunder shall operate as a waiver of such right or of any other right of such
holder, nor shall any delay, omission or waiver on any one occasion be deemed a
bar to or waiver of the same or of any other right on any future occasion. Every
one of the undersigned and every endorser or guarantor of this Note regardless
of the time, order or place of signing waives presentment, demand, protest and
notices of every kind and assents to any one or more extensions or postponements
of the time of payment or any other indulgences, to any substitutions, exchanges
or releases of collateral if at any time there be available to the holder
collateral for this Note, and to the additions or releases of any other parties
or persons primarily or secondarily liable.

     If an event of default under the Loan Agreement shall occur, then such
event shall be a default hereunder and the Bank may, by notice to Borrower,
declare this Note, all interest thereon and principal and other amounts due
thereunder and all other amounts payable under the Agreements, to be forthwith
due and payable, whereupon this Note, all such interest and principal and other
amounts due thereunder and all such other Obligations shall become and be
forthwith due and payable, without presentment, demand, protest or further
notice of any kind, all of which are hereby expressly waived by Borrower.

     From and after any event of default hereunder, at the option of the Bank,
interest shall accrue on the sum of the principal balance and accrued interest
then outstanding at the variable rate equal to the Prime Rate plus three percent
(3%) per annum ("Default Rate"), provided that such rate shall not exceed at any
time the highest rate of interest permitted by the laws of the State of
Maryland; and further provided that such rate shall apply after judgment. In the
event of any default, the then remaining unpaid principal amount and accrued but
unpaid interest then outstanding shall bear interest at the Default Rate called
for hereunder until such principal and interest have been paid in full. In
addition, upon default, the Bank may pursue its full legal remedies at law or
equity.

                                      -11-

<PAGE>

     Bank shall not be obligated to accept any check, money order, or other
payment instrument marked "payment in full" on any disputed amount due
hereunder, and Bank expressly reserves the right to reject all such payment
instruments. Borrower agrees that tender of its check or other payment
instrument so marked will not satisfy or discharge its obligation under this
Note, disputed or otherwise, even if such check or payment instrument is
inadvertently processed by Bank unless in fact such payment is in fact
sufficient to pay the amount due hereunder.

     If this Note is placed with an attorney for collection, the undersigned
agrees to pay, in addition to principal and interest, all costs of collection,
including but not limited to reasonable attorneys' fees. All obligations of the
undersigned and of any Obligor shall bind his heirs, executors, administrators,
successors, and/or assigns. Use of the masculine pronoun herein shall include
the feminine and the neuter, and also the plural. If more than one party shall
execute this Note, the term "undersigned" as used herein shall mean all the
parties signing this Note and each of them, and all such parties shall be
jointly and severally obligated hereunder. Wherever possible, each provision of
this Note shall be interpreted in such a manner to be effective and valid under
applicable law, but if any provision of this Note shall be prohibited by or
invalid under such law, such provision shall be ineffective but only to the
extent of such prohibition or invalidity, without invalidating the remainder of
such provision or the remaining provisions of this Note. All of the undersigned
hereby waive all exemptions and homestead laws.

     The proceeds of the loan evidenced by this Note may be paid to any one or
more of the undersigned. From time to time the maturity date of this Note may be
extended, or this Note may be renewed in whole or in part, or a new note of
different form may be substituted for this Note, or the rate of interest may be
modified, or changes may be made in consideration of loan extensions, and the
holder hereof, from time to time may waive or surrender, either in whole or in
part any rights, guaranties, security interest or liens, given for the benefit
of the holder in connection with the payment and the securing the payment of
this Note; but no such occurrence shall in any manner affect, limit, modify, or
otherwise impair any rights, guaranties or security of the holder not
specifically waived, released, or surrendered in writing, nor shall the
undersigned r maker, or any guarantor, endorser, or any person who is or might
be liable hereon, either primarily or contingently, be released from such event.
The holder hereof, from time to time, shall have the unlimited right to release
any person who might be liable hereon, and such release shall not affect or
discharge the liability of any other person who is or might be liable hereon. No
waivers and modifications shall be valid unless in writing and signed by the
Bank. The Bank may, at its option, charge any fees for the modification,
renewal, extension, or amendment of any of the terms of the Note permitted by
applicable law. In case of a conflict between the terms of this Note and the
Loan Agreement, the priority of controlling terms shall be first this Note, then
the Loan Agreement This Note shall be governed by and construed in accordance
with the laws of the State of Maryland; provided however that Bank's remedies
against any Collateral located in any other jurisdiction shall be interpreted,
construed, applied and enforced according to and governed by the laws of the
jurisdiction in which such property is located, and the Borrower hereby submits
to the jurisdiction of any court of competent jurisdiction located therein in
connection with any foreclosure or enforcement proceeding undertaken in
connection with the Borrower's property.

     Sharing of Information with Affiliates: Applicable law permits us to share
     --------------------------------------
information with third parties about our credit and account history with you.
Applicable law also permits us

                                      -12-

<PAGE>

to share additional information about you and your accounts with companies
related to the Bank by common ownership or control ("affiliates"). We provide
this additional information to our affiliates so that you may receive special
offers and promotions from our affiliates. You may request that we not furnish
this additional information (other than credit and account history) to our
affiliates by writing to Branch Banking and Trust Company, Client Services
Administration, P.O. Box 1847, Wilson, North Carolina 27894-1847. Please include
your name, address, telephone number, account number (if known), and social
security (tax identification) number. Due to marketing programs already in
progress, please allow a reasonable period of time for your request to take
effect. In order for us to communicate important loan or deposit account
information, we will continue to notify you through occasional statement inserts
or other customer service mailings. Please be aware that state and federal laws
impose certain mandatory disclosures of customer information by financial
institutions. We must comply with laws that require mandatory production or
disclosure.

                        SIGNATURES CONTINUED ON NEXT PAGE

                                      -13-

<PAGE>

                       SIGNATURE PAGES TO PROMISSORY NOTE

Borrower:     SILVER DINER, INC., a Delaware corporation
              ------------------------------------------

Account Number:   9560083952                  Note Number: 00006

Note Amount:     $500,000.00                  Date: January 15, 2002

                                      BB&T

IN WITNESS executed undersigned, on the day and year first written above, has
caused this note to be executed under seal.

ATTEST: ______________________      Silver Diner, Inc., a Delaware corporation

Title:________________________      By: ________________________________________
                                               ROBERT T. GIAIMO
                                        Title: President

   [SEAL]

                                      -14-<PAGE>

                                 EXHIBIT 10.22

                    Separation, Waiver and Release Agreement
                             with Peter J. Purcell
                             Dated February 5, 2002

<PAGE>

                    SEPARATION, WAIVER AND RELEASE AGREEMENT

     This SEPARATION, WAIVER AND RELEASE AGREEMENT ("Agreement") is made by and
between Peter J. Purcell ("Purcell") and Commercial Federal Bank, A Federal
Savings Bank ("CFB").

     RECITALS:
     --------

     This Agreement is made with reference to the following facts and
     objectives:

     (a) Purcell has been employed by CFB prior to this Agreement as Executive
         Vice-President and Chief Information Officer;
     (b) Purcell is resigning from his employment with CFB effective at the
         close of business on February 5, 2002; and
     (c) The parties are entering into this Agreement in order to settle any
         and all existing and potential disputes that they have or may have with
         one another with respect to Purcell's employment and separation from
         employment and to release CFB and its affiliates completely from any
         and all claims arising therefrom.

     NOW, THEREFORE, in order to carry out the intent of the parties as set
forth in the foregoing recitals, which are made a contractual part of this
Agreement, and in consideration of the mutual agreements, provisions, recitals,
promises and covenants contained in this Agreement, the parties agree as
follows:

1.   RESIGNATION. Purcell hereby voluntarily resigns from each employment,
     -----------
corporate office and other position he holds with Commercial Federal Corporation
and with any of its subsidiary entities, including CFB, effective at 5:00 p.m.
on February 5, 2002. Purcell is relieved of all authority to act on behalf of
CFB after such date and time.

2.   CONSIDERATION TO PURCELL. As consideration to Purcell for the provisions of
     ------------------------
this Agreement:

     (A)   CFB will pay to Purcell a cash separation allowance by continuing
           Purcell's base salary compensation for approximately six (6)
           months as described in this subparagraph 2.(A). Semi-monthly base
           salary continuation payment(s) will be made to Purcell by
           automatic payroll deposit to a checking or savings account
           designated by Purcell on each of CFB's regular pay days (the 15th
           and last days of the month), beginning February 15, 2002. Each
           such payment will be in the amount equivalent to Purcell's
           semi-monthly base salary at the rate in effect as of February 1,
           2002, less applicable federal and state tax withholdings and less
           any amounts withheld pursuant to any other provision of this
           Agreement or authorized by Purcell to be withheld. The final
           semi-monthly salary continuation payment will be made on August
           15, 2002.

<PAGE>

         (B)   CFB will continue any health and dental insurance coverage that
               Purcell and/or his dependents had as of February 1, 2002 under
               CFB's group health and dental plans, as if Purcell were to remain
               an active employee of CFB, through August 31, 2002. Purcell will
               pay to CFB -- and CFB will withhold from the payment(s) described
               in subparagraph 2.(A) above -- the portion of the cost of such
               coverages that CFB requires active employees to contribute to the
               cost of such coverages.

         (C)   To enable Purcell to obtain job search services and
               assistance, CFB will pay to Purcell the sum of Nine-Thousand
               Dollars ($9,000.00) in a lump sum less applicable federal and
               state tax withholdings. This payment will be made to Purcell
               within fifteen (15) days after the date this Agreement becomes
               effective as described in paragraph 4.

         (D)   If approved by the insurance company providing the insurance
               coverage, CFB will continue any group life insurance coverage
               Purcell may have under CFB's group life insurance plan -- but
               not coverage for any of Purcell's dependents -- until August
               31, 2002.

         (E)   Purcell may exercise any stock options that previously vested
               or previously were exercisable by him, that have not expired,
               within the ninety (90) calendar day period beginning February
               5, 2002. Except as provided in the preceding sentence, Purcell
               shall have no right, title or interest in or to and may not
               exercise any of the options that were scheduled to vest in or
               first be exercisable by Purcell on date(s) later than February
               5, 2002, and it is understood and agreed that any right, title
               and interest Purcell may have had in regard to such options is
               cancelled as a result of his separation from the employment of
               CFB.

               (1)      It is understood that exercise by Purcell of options
                        to purchase shares of stock under this subparagraph
                        2.(E) may result in taxable income to Purcell, and
                        that CFB may be obligated to withhold federal and
                        state taxes respecting that taxable income. Within
                        ten (10) days after CFB notifies Purcell of the
                        amount of such taxes required to be withheld, Purcell
                        shall deliver or mail to CFB his check (or a
                        cashier's check) in the amount of such taxes required
                        to be withheld, payable to "Commercial Federal Bank."
                        Purcell's check shall be delivered or mailed to such
                        individual at CFB as CFB may direct. If Purcell fails
                        to timely deliver or mail such check or if such check
                        shall for any reason not be paid when presented by
                        CFB for payment, then CFB may deduct and withhold the
                        amount of such taxes from any payments otherwise due
                        from CFB to Purcell under subparagraph 2.(A) of this
                        Agreement. CFB may at its option delay delivery and
                        issuance of shares of stock to Purcell until Purcell
                        has paid to CFB the amount of such tax withholdings.

<PAGE>

         (F)  In lieu of any bonus that might have been awarded to Purcell
              in cash and restricted stock if Purcell had remained
              employed by CFB through the date of declaration and payment
              of such award, CFB will pay Purcell a cash bonus in the
              amount of $121,165.72, in a lump sum less applicable tax
              withholdings, on or before April 30, 2002. Purcell shall not
              otherwise be entitled to any further or additional bonus or
              compensation from CFB except as expressly provided in this
              Agreement.

         If an act required to be performed by CFB under this Paragraph 2 would
be required by this Paragraph 2 to be performed prior to the effective date of
this Agreement as determined under paragraph 4 of this Agreement, then such act
shall be deemed to have been performed timely by CFB if performed within
fourteen (14) calendar days after the effective date of this Agreement as
determined under paragraph 4 of this Agreement

         Purcell acknowledges that the payment(s) and other consideration being
provided to Purcell under this paragraph 2 include consideration and benefits
that are in addition to anything that Purcell is already entitled to pursuant to
Purcell's employment with CFB. It is understood that the payment of the
separation allowance and other consideration to be provided to Purcell under
this paragraph 2 constitute a voluntary, ad hoc severance arrangement, and that
same shall neither create nor be evidence of any severance pay plan or employee
welfare benefit plan, and that no employee or former employee of CFB or its
affiliated entities, other than Purcell, shall have any rights or claims under
the above described voluntary, ad hoc arrangement.

3.       OTHER BENEFITS.
         --------------

         (A)  Beginning September 1, 2002, Purcell may elect to continue
              health and dental insurance coverage for himself and his
              dependents pursuant to and subject to the health care
              continuation provisions of "COBRA", 29
              U.S.C. (S)(S) 1161-1169. If Purcell elects to continue such
              coverage(s), Purcell shall be responsible during the
              applicable continuation period allowed by "COBRA"-- normally
              eighteen (18) months-- for paying 100% of the cost of such
              coverage(s). If Purcell elects to continue such coverage(s),
              Purcell shall also pay an administrative fee of two percent
              (2%) of the cost of such coverage(s) during the applicable
              continuation period. If Purcell (or any of his dependents)
              at any pertinent time becomes ineligible for "COBRA"
              continuation coverage or further continuation coverage under
              the provisions of CFB's plan(s) and consistent with the
              federal "COBRA" law, then CFB shall be excused from any
              further obligation to Purcell (or to the dependent(s) of
              Purcell thus becoming ineligible for "COBRA" continuation
              coverage, as the case may be) under this subparagraph 3.(A).
              CFB will mail to Purcell, on or about August 1, 2002,
              appropriate information and forms regarding election of
              continuation insurance coverage under the federal "COBRA"
              law, unless Purcell and his dependents have by that date
              become ineligible for "COBRA" continuation coverage under
              the provisions of CFB's plan(s) and consistent with the
              federal "COBRA" law.

<PAGE>

         (B)  CFB will pay to Purcell his accrued vacation that remains
              unused as of February 5, 2002, if any, less applicable state
              and federal tax withholdings.

         (C)  All other benefits, and the continuation or cessation thereof,
              will be handled, addressed and administered in accordance with
              the terms of CFB's plans, policies and procedures in effect on
              February 1, 2002.

4.       RIGHT TO REVOKE AND EFFECTIVE DATE. CFB has advised Purcell that
         ----------------------------------
Purcell has the right to revoke this Agreement at any time within seven (7) days
after Purcell signs this Agreement. Purcell may revoke this Agreement within the
seven (7) days period by delivering - or by mailing by certified prepaid United
States mail, return receipt requested - written notice of such revocation to Mr.
William A. Fitzgerald, Commercial Federal Bank, 13220 California Street, Suite
300, Omaha, Nebraska 68154-5225. Unless revoked by one of such methods, this
Agreement shall become effective on the eighth day following the date Purcell
signs this Agreement.

5.       RELEASE. In consideration of the covenants, agreements, and recitals
         -------
contained in this Agreement, Purcell on behalf of himself and his assigns,
heirs, successors and personal representatives, hereby knowingly and voluntarily
releases and forever discharges CFB - and every entity affiliated with or
related to CFB as a parent or subsidiary entity or by common or interrelated
ownership or otherwise - and each of its and/or their respective agents,
employees, officers, directors, attorneys, predecessors, successors and assigns
(all of such released parties being collectively referred to hereinafter as
"Released Parties"), from any and all claims, damages, demands, liabilities,
attorney fees and expenses of any nature whatsoever arising out of or relating
in any way to Purcell's employment with CFB and/or his separation from that
employment. This release shall include and extend to, without limitation, any
and all claims, demands and liabilities under, asserting or pursuant to federal,
state or local laws, regulations, decisions or ordinances generally, or
prohibiting employment discrimination (including Title VII of the Civil Rights
Act of 1964, the Americans with Disabilities Act and the Age Discrimination in
Employment Act), or based upon any alleged tort, breach of any contract,
wrongful discharge, or any other alleged wrongdoing whatsoever. This release
shall be construed broadly, it being the intent of the parties to fully resolve
any and all claims and potential claims of Purcell against Released Parties and
any of them, other than claims arising after this Agreement is signed by
Purcell.

6.       COVENANT NOT TO SUE. Purcell covenants and agrees that he will forever
         -------------------
refrain from bringing or participating as a party in any action, lawsuit, claim,
or proceeding based on, arising out of, or in connection with Purcell's
employment with CFB or separation therefrom, other than claims arising as a
result of occurrences after this Agreement is signed by Purcell.

         Nothing herein shall preclude Purcell from seeking any unemployment
compensation benefits to which he may otherwise be entitled by law.

7.       ACKNOWLEDGEMENTS AND REPRESENTATIONS OF THE PARTIES. The parties
         ---------------------------------------------------
acknowledge and represent as follows:

<PAGE>

         (A)      This Agreement constitutes a legally binding agreement by each
                  party, enforceable in accordance with its terms.

         (B)      CFB and Purcell have had ample opportunity to review this
                  Agreement. Further, Purcell has been advised by CFB, and has
                  had ample opportunity, to consult with an attorney of his own
                  choosing prior to signing this Agreement regarding the terms,
                  conditions and ramifications of this Agreement, and Purcell
                  has in fact consulted with legal counsel of his own choosing
                  in that regard or has elected not to do so.

         (C)      CFB and Purcell are each entering into this Agreement
                  knowingly, voluntarily, and of their own volition and neither
                  is under any duress or undue influence.

         (D)      CFB and Purcell have read and understand this Agreement.
                  Purcell understands that, by signing this Agreement, he is
                  ----------------------------------------------------------
                  releasing and waiving all claims arising out of or relating to
                  --------------------------------------------------------------
                  his employment or separation from employment, other than
                  --------------------------------------------------------
                  claims arising after the date Purcell signs this Agreement.
                  -----------------------------------------------------------

         (E)      Purcell has been advised and hereby acknowledges that he has
                  twenty-one (21) days, which will begin to run on February 5,
                  2002, in which to determine whether or not to accept the terms
                  of this Agreement and to sign this Agreement. Purcell may, if
                  he so chooses, waive this period and sign the Agreement prior
                  to the expiration of the 21-day period.

8.       FUTURE EMPLOYMENT AND CONFIDENTIAL INFORMATION. Purcell hereby waives
         ----------------------------------------------
any entitlement he may have or claim to have of employment by CFB. Purcell
further agrees that he will not disclose, disseminate, or use any confidential
information concerning CFB's employees, operations, customers, products or
services (existing or contemplated), pricing policies, marketing and hiring
techniques, financial information, costs, profits, sales, or other information
or data of any kind, in any future employment or self-employment.

9.       COVENANT OF CONFIDENTIALITY.
         ---------------------------

         A.       Except as stated in the following subparagraph, Purcell
                  agrees, promises and covenants that he will keep the existence
                  of this Agreement - and each of the terms of this Agreement -
                  confidential.

         B.       Purcell may disclose  the  existence  of this  Agreement  and
                  its terms as follows, and such disclosures shall not violate
                  the covenant of confidentiality stated in the preceding
                  subparagraph: (1) to Purcell's spouse and his attorney(s),
                  provided that they first agree that they will not further
                  disclose any such information inconsistently with the
                  provisions of this subparagraph; (2) to a governmental
                  agency having a legitimate interest in obtaining such
                  information; (3) to Purcell's accountants, auditors or other

<PAGE>

                  tax advisors; (4) as required under penalty of law or legal
                  compulsion; (5) as required or reasonably necessary to
                  prosecute or defend any legal action or claim; (6) as
                  necessary to comply with a subpoena or court order, or as
                  necessitated in discovery proceedings in litigation or
                  administrative proceedings; and (7) as reasonably necessary
                  to implement, perform or enforce this Agreement.

10.      NO ADMISSION OF LIABILITY. This Agreement shall not be treated as an
         -------------------------
         admission of liability or of any wrongdoing by either party, and may
         not be offered or admitted in evidence as any such admission.

11.      ENTIRE AGREEMENT: BINDING EFFECT. This Agreement constitutes the
         ----------------
         entire agreement between the parties and shall bind and inure to the
         benefit of both parties and of each of the Released Parties, and their
         respective successors, heirs and legal representatives.

12.      SEVERABILITY. In the event a court of competent jurisdiction
         ------------
         determines that one or more of the clauses of this Agreement are
         unenforceable, such clause(s) shall be severed from the Agreement and
         the balance of the Agreement shall remain in full force and effect.

13.      APPLICABLE LAW. This Agreement is made and entered into and shall be
         --------------
         governed by and construed in accordance with the laws of the State of
         Nebraska.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
this Agreement is signed below by Purcell.

                                /s/ Peter J. Purcell
DATED: February 12, 2002        ------------------------------------------------
                                    Peter J. Purcell

                                    Commercial Federal Bank,
                                    A Federal Savings Bank

DATED: February  12, 2002       By: /s/ Robert J. Hutchinson
                                   ---------------------------------------------

                                    Title: President and Chief Operating Officer
                                          --------------------------------------

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