Document:

Exhibit 10.1

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                        PRESIDENT'S EMPLOYMENT AGREEMENT
                        --------------------------------

     THIS  AGREEMENT  effective  this 1st day of January,  2006,  by and between
ROBERT J. LARISON,  JR.,  ("President"),  and ATLANTIC COAST FEDERAL  ("Atlantic
Coast" or "Institution")

                              W I T N E S S E T H:

     WHEREAS,  Atlantic Coast desires to employ President as its Chief Executive
Officer under such  non-exclusive  terms and  conditions as are set forth herein
and as may be revised or modified from time to time; and

     WHEREAS,  President  desires to serve Atlantic Coast as its Chief Executive
Officer pursuant to the arrangements for  compensation,  perquisites,  and other
employment standards as are detailed below.

     NOW,  THEREFORE,  for good and  valuable  consideration,  the  receipt  and
sufficiency of which are hereby acknowledged, the parties agree as follows:

     1.  Employment.  Atlantic Coast hereby  employs Robert J. Larison,  Jr., as
         ----------
President and Chief Executive Officer of Atlantic Coast and the President hereby
accepts  employment  upon the terms and conditions  hereinafter  set forth.  The
President  shall  report to Atlantic  Coast's  Board of  Directors  (hereinafter
referred to as the  "Board"),  and shall  perform  those duties of President and
Chief Executive  Officer under the  supervision and direction of the Board.  The
President  shall be bound by and follow the  established  rules and  policies of
Atlantic Coast unless expressly agreed to otherwise herein.

     2. Employment Term. Subject to the provisions of termination as hereinafter
        ---------------
provided,  this  Agreement  shall  be  effective  as  of  January  1,  2006  the
"Commencement

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Date"),  and remain in force for a period of two (2) years or until December 31,
2007.  Beginning on the first anniversary of the Commencement  Date, and on each
anniversary  thereafter,  the term of this  Agreement  shall be  extended  for a
period of one year, provided that (1) Atlantic Coast has not given notice to the
President in writing at least 90 days prior to such anniversary that the term of
this Agreement shall not be extended further; and (2) prior to such anniversary,
the Board of Atlantic Coast explicitly reviews and approves the extension,  with
the President  being entitled to the salary and other benefits at least equal to
those benefits  received during the prior year.  Reference herein to the term of
this Agreement shall refer to both such initial term and such extended terms.

     3. Duties and Responsibilities.
        ---------------------------

     3.1.  During the term of this  Agreement,  President  shall devote his full
time and energy to the business and affairs of Atlantic Coast, and shall use his
best  efforts to promote the  interests of Atlantic  Coast,  except as otherwise
agreed to by the President and the Board.

     3.2. The President shall have the responsibility and authority to supervise
and direct the management and  administration  of all facets of the operation of
Atlantic Coast, except as specifically denoted in other parts of this Agreement,
within  prescribed  policy limits,  the Charter,  the By-Laws,  Atlantic Coast's
policies,  rules and  regulations,  and  applicable  federal  and other laws and
regulations.  The  President  shall,  within the  foregoing  limits,  formulate,
approve,  supervise  and direct the  methods of keeping  the records of Atlantic
Coast,  statistical  or  otherwise,  and shall  prepare all such  reports as are
required by law or  regulation,  including,  but not limited to,  statements and
reports of

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the  Board,  and shall  from time to time,  and at any time upon  request,  make
reports to the Board concerning the affairs and financial  condition of Atlantic
Coast,  and such  other  matters  as the  Board may  direct.  In  addition,  the
President shall perform those duties  specifically set forth in Atlantic Coast's
By-Laws, which are incorporated herein by reference.

     3.3. The  President  shall  supervise  Atlantic  Coast's  daily  investment
activities in accordance with the policies,  procedures and goals established by
the Board.

     3.4.  With the  counsel  and  consent of the Board,  retain  outside  legal
counsel and other consultants for Atlantic Coast.

     3.5.  With the  counsel and  consent of the Board,  retain the  services of
outside certified public accountants and internal auditors.

     3.6.  The  President  shall be present at all meetings of the Board and any
meeting of any  committee of the Board and of any committee  established  by the
Board,  except that the Board may at any time convene in  executive  session and
excuse the President  when those  meetings  directly  affect  performance of the
President's official duties, compensation, or terms of employment.

     3.7. The President  will  participate  in such  professional  and community
activities which are beneficial to, and serve the interests of, Atlantic Coast.

     3.8.  The  President  shall  not  accept or  receive  any  compensation  or
consideration from any person or entity.  However,  the President may serve, for
compensation,  as  a  lecturer,  consultant  to  others,  and  engage  in  other
activities  of a short  duration  which do not  interfere  with the  President's
responsibilities outlined in this

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Agreement  only upon  consultation  with the  Chair of the  Board and  obtaining
approval of such activities before engaging in the same.

     3.9. The President,  before assuming any financial institution organization
office or  activity  related to any  financial  institution  organization,  must
obtain approval from the Board.

     3.10.  The  President's  duties shall  include,  but not be limited to, the
exclusive  authority to hire,  compensate and terminate  Atlantic  Coast's staff
within  budgetary  limitations.  However,  the Board  shall be  advised of major
changes in organizational structure and in the senior management positions.

     4. Compensation.
        ------------

     4.1. In  consideration  for the services of the  President,  Atlantic Coast
shall compensate him as follows:

          (a)  A  base  salary  of  $210,000  per  year,  payable  in  26  equal
               installments on a bi-weekly basis.

          (b)  An  incentive  bonus of up to 10% of the base  salary if Atlantic
               Coast has net operating  income ("NOI") for the fiscal year ended
               December  31, 2006  ("fiscal  2006") of at least 10% greater than
               NOI for the fiscal year ended  December 31, 2005 ("fiscal  2005")
               and an  incentive  bonus of up to 20% of base  salary if Atlantic
               Coast has NOI for fiscal  2006 of at least 15%  greater  than NOI
               for fiscal 2005, in each case,  subject to the  discretion of the
               Board.

     4.2. Further,  said incentive bonus which may be awarded shall be disbursed
not later than three (3) months after  completion of the prior fiscal year.  The
President

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shall have the option of being paid the bonus,  either in a lump sum  payment or
over the payroll year.

     4.3. No later than August 1st of the calendar year the Board shall complete
the evaluation and assessment of the  performance of the President.  The results
of the  evaluation  shall be done by the Chair of the  Board  who shall  meet in
private  with the  President  to discuss the  evaluation.  A copy of the written
evaluation  shall be delivered to the  President.  In the event that any part of
the  evaluation  is  unsatisfactory,  the Chair of the Board  shall  describe in
writing, in reasonable detail, specific instances of unsatisfactory performance.
The evaluation shall include  recommendations  as to areas of improvement in all
instances  where  performance  is  deemed  to be  unsatisfactory.  If  President
disagrees  with the  evaluation,  he may  respond in writing to the Chair of the
Board.  The evaluation and responses to the evaluation shall be made part of the
President's  confidential personnel file. The President's confidential personnel
file shall be kept by the Secretary of Atlantic  Coast.  Upon  conclusion of the
evaluation,  the Chair of the Board  shall make  recommendations  as to possible
increases in the base salary for the next year.

     5. Benefits.
        --------

     5.1. The President  shall be entitled to vacation,  sick and personal leave
in any  calendar  year  based on his  years of  service  in an  amount  equal to
Atlantic  Coast's  employees  of similar  service  or, if more,  with  executive
management employees, and in accordance with such policies as may be approved by
the Board.  Vacation and personal  leave may be taken at the  discretion  of the
President  in  consultation  with the  Chair of the  Board.  Vacation,  sick and
personal leave time is cumulative if not used.

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     5.2. The President  shall be eligible to  participate  in Atlantic  Coast's
401(k) Plan in accordance with the provisions of that Plan. Atlantic Coast shall
make the maximum contributions allowed by law on behalf of the President with or
without voluntary contribution by the President.

     5.3.  Atlantic Coast has entered into two  supplemental  executive  benefit
agreements  to  provide  for  certain  deferred  compensation  benefits  for the
President  and to provide an incentive  for the  President to remain at Atlantic
Coast  throughout the term of this Agreement.  Those agreements are the Deferred
Compensation Plan, dated March 9, 1995, between the President and Atlantic Coast
Federal Credit Union (the  predecessor to the  Institution) and the Supplemental
Retirement Agreement (the "SERP"), dated November 1, 2002, between the President
and  the  Institution.   The  terms  of  those  supplemental  executive  benefit
agreements  shall govern without  reference to this Agreement,  except as may be
modified with the consent of the President.

     5.4.  Atlantic  Coast shall provide and pay the premiums for life insurance
on the  President's  life for a face  amount  equaling  twice the  amount of the
President's  base salary  rounded up to the next thousand  dollars.  This policy
shall contain $50,000 of coverage for accidental  death and  dismemberment.  The
President  shall have the right to designate the  beneficiary  or  beneficiaries
under this policy.

     5.5.  Atlantic  Coast shall  provide and pay the  premiums  for a long-term
disability  insurance  policy  providing for coverage to age seventy (70) at the
rate of  66-2/3%  of the base  salary  of the  President  after  the 90th day of
disability as defined in the policy.

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     5.6.  The  President  shall be  eligible  to receive  all other  authorized
employee  benefits  that  other  Atlantic  Coast  employees  receive,  any other
benefits  that will be available as set forth  herein,  or as  authorized by the
policy of the Board. However, health, hospitalization,  major medical and dental
insurance shall be provided to the President and his family.

     5.7.  Atlantic  Coast shall pay to or for the benefit of the  President the
sum of $3,000  yearly (net after  taxes) for the  purchase  of a universal  life
insurance  policy  covering  the  President,  the  policy  to be  owned  by  the
President.

     5.8. The  President  shall  receive  membership  in a country  club, or the
equivalent of his choosing.  Atlantic Coast agrees to pay the cost of membership
to  include  initiation  fees  and  the  minimum  fees  required  for  continued
participation in the Club which shall not exceed $4,000 a year. It is understood
that any expenses over and above such minimum shall be borne by the President.

     5.9.  Atlantic  Coast  shall  pay to or  provide  for  the  benefit  of the
President  the sum of $2,000  each  year for an  individual  retirement  account
contribution.

     5.10.  Atlantic Coast shall pay $2,500 (net after taxes) on January 1st and
July 2nd of each year for health insurance for the President and his dependents.

     6. Expense Reimbursement.
        ---------------------

     6.1. Atlantic Coast shall pay or reimburse the President for all reasonable
expenses   incurred  by  President  in  the   performance   of  the  duties  and
responsibilities under this Agreement in accordance with the approved budget and
adopted policies of the Board.

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     6.2.  The  President  is expected  to  participate  and attend  programs to
further his education which are beneficial and  advantageous to the operation of
Atlantic Coast. President shall be entitled to membership in those organizations
and  associations  which  will  benefit  Atlantic  Coast  in  an  informational,
communicative,  professional or educational manner.  Atlantic Coast will pay the
dues or  fees so the  President  can  participate  in  those  organizations  and
associations.

     6.3. The President will be paid as an automobile  allowance the sum of $500
which shall be paid monthly.  In  consideration  for said automobile  allowance,
Atlantic Coast shall not reimburse the President for costs  associated  with his
automobile,  except  for  travel  which  is  business  related,  which  shall be
reimbursed at Atlantic Coast's established mileage rates.

     6.4. The President will be paid as a reimbursement  for expenses the amount
of the Internal  Revenue Service per diem rate for each day the President spends
at Atlantic Coast's Jacksonville office up to a maximum of 20 days per month.

     7. Termination.
        -----------

     7.1.  Should the  President  suffer  from an illness  or  incapacity  which
prevents him from satisfactorily  rendering his services to Atlantic Coast for a
period of more than four (4) months and it  appears to the  satisfaction  of the
Board that based upon competent  medical evidence the President will continue to
be incapacitated for an extended period or be unable to render the services, the
Board,  in its sole  discretion,  may terminate this  Agreement.  In such event,
Atlantic  Coast  shall  provide  the  President  with  written  notice  of  such
termination  and the President shall be entitled to salary earned until the date
of termination along with payment for unused vacation, unused

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personal  leave,  unused  sick  leave  and  other  vested  benefits.  All  other
obligations of Atlantic Coast to the President  under this Agreement shall cease
except the President shall continue to receive all authorized  benefits included
in the employee benefit package as it relates to disability insurance, severance
pay and certain  other  benefits as may be set forth in this  Agreement.  To the
extent available, it is agreed that the provisions and current medical insurance
policies   providing  for  continued   coverage  for  disability  for  employees
subsequent to termination  shall apply to the President and Atlantic Coast shall
have the right to enforce such provisions notwithstanding any other provision of
this Agreement.

     7.2. The Board may unilaterally discharge the President at any time and for
any  reason,  except for cause as set forth  herein,  by a majority  vote of the
entire Board, at a regular or special Board meeting. In the event of termination
of this Agreement for the convenience of Atlantic Coast,  the President shall be
entitled to receive as termination benefits the following:

          (a)  An amount equal to two (2) times the current yearly base salary.

          (b)  All  employment  benefits for a period of twelve (12) months from
               the date of termination.

               7.2.1.   Notwithstanding   Section   7.2,  the  total  amount  of
          compensation  paid under  Section 7.2 shall not exceed three (3) times
          the President's  average annual  compensation for the most recent past
          five taxable years. In addition,  if the amount payable hereunder were
          deemed to be an "excess  parachute  payment" under Section 280G of the
          Internal  Revenue Code, such amount shall be reduced to an amount that
          is

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$1.00 less than the amount that would trigger an excess parachute  payment under
Section 280G of the Internal Revenue Code.

     7.3. A majority of the entire Board shall have the right to  discharge  the
President at any time when the President has:

          (a)  Been absent from  employment for an  unauthorized  period of more
               than one (1) week;  or

          (b)  Committed  a  material  breach  of this  Agreement;  or

          (c)  Been grossly  negligent in the performance of required duties; or

          (d)  Engaged in willful  misconduct or willfully failed to perform the
               obligations under this Agreement; or

          (e)  Committed  unethical,  dishonest,  fraudulent,  or criminal  acts
               against  Atlantic Coast; or

          (f)  Willfully  violated  any  law,  rule or  regulation  (other  than
               traffic  violations or other  similar  offenses) or a final cease
               and desist order; or

          (g)  Committed a breach of fiduciary duty involving  personal  profit;
               or

          (h)  Intentionally failed to perform stated duties; or

          (i)  Engaged in personal dishonesty; or

          (j)  Incompetently performed his duties; or

          (k)  Become unbondable.

     The President  shall be given prior written  notice of the charges  against
him and have an  opportunity  to respond in person or in writing to the  charges
before a final decision is made to terminate this Agreement and his  employment.
The  President's

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response  shall be made  within  three (3)  business  days of the  giving of the
written notice by the Board. Termination for causes set forth in (a) through (k)
will cause termination with no termination compensation or benefits.

     7.4. Upon the death of the President,  Atlantic Coast will pay all premiums
for six (6) months for health and major medical insurance for the benefit of his
family.

     7.5.  Temporary  Suspension or  Prohibition.  If the President is suspended
           -------------------------------------
and/or  temporarily   prohibited  from  participating  in  the  conduct  of  the
Institution's  affairs by a notice served under Section 8(e)(3) or (g)(1) of the
Federal Deposit Insurance Act ("FDIA"), 12 U.S.C. ss. 1818(e)(3) and (g)(1), the
Institution's obligations under this Agreement shall be suspended as of the date
of service,  unless  stayed by  appropriate  proceedings.  If the charges in the
notice  are  dismissed,  the  Institution  may in its  discretion  (i)  pay  the
President all or part of the compensation  withheld while its obligations  under
this  Agreement were suspended and (ii) reinstate in whole or in part any of its
obligations which were suspended.

     7.6.  Permanent  Suspension  or  Prohibition.  If the  President is removed
           --------------------------------------
and/or  permanently   prohibited  from  participating  in  the  conduct  of  the
Institution's  affairs by an order issued under Section 8(e)(4) or (g)(1) of the
FDIA, 12 U.S.C.  ss.  1818(e)(4) and (g)(1),  all obligations of the Institution
under this Agreement shall terminate as of the effective date of the order,  but
vested rights of the parties shall not be affected.

     7.7.  Default of the  Institution.  If the  Institution  is in default  (as
           ---------------------------
defined in Section 3(x)(1) of the FDIA),  all  obligations  under this Agreement
shall  terminate as of the date of default,  but this provision shall not affect
any vested rights of the parties.

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     7.8. Termination by Regulators.  All obligations under this Agreement shall
          -------------------------
be  terminated,  except  to the  extent  determined  that  continuation  of this
Agreement is necessary for the continued  operation of the  Institution:  (1) by
the Director of the Office of Thrift  Supervision (the "Director") or his or her
designee,  at the time the Federal Deposit Insurance  Corporation enters into an
agreement to provide  assistance  to or on behalf of the  Institution  under the
authority  contained in Section 13(c) of the FDIA; or (2) by the Director or his
or her  designee,  at the time the  Director or his or her  designee  approves a
supervisory  merger to resolve  problems related to operation of the Institution
or when the  Institution  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 any such action.

     8.  Assignment.  This  Agreement  is  for  the  personal  services  of  the
         ----------
President. Therefore, the duties set forth herein shall not be delegable and the
rights  hereunder  shall not be  assignable,  and any  attempted  assignment  or
delegation  shall be void,  except  that in the event of the  President's  death
while this  Agreement is in effect,  any salary due or payable for such services
rendered, together with payment for unused vacation and personal leave, shall be
payable to the  President's  estate,  heirs or personal  representative.  In the
event of a merger, transfer,  consolidation or reorganization involving Atlantic
Coast,  this  Agreement  shall  continue  in force and become an  obligation  of
Atlantic Coast's successor.

     9.  Indemnification.  Subject to the requirements of 12 C.F.R. ss. 545.121,
         ---------------
Atlantic  Coast shall  indemnify,  defend and hold and save the  President,  his
heirs,  personal  representatives  and  each of them  harmless  from any and all
actions and

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causes of action, claims, demands, liabilities,  losses, damages or expenses, of
whatsoever kind and nature,  including  judgments,  interest and attorney's fees
and all other reasonable  costs,  expenses and charges which the President,  his
heirs,  personal  representatives  and each of them  shall or may at any time or
from time to time,  subsequent to the date of this Agreement,  sustain or incur,
or become subject to by reason of any claim or claims against the President, his
heirs, personal  representatives and each of them, for any reason resulting from
the President, his heirs, personal representatives and each of them carrying out
the terms and  conditions of this  Agreement,  except for willful  misconduct or
criminal acts or omissions on the part of the  President;  and provided  further
that the President, his heirs, personal representatives or any one of them shall
promptly  notify Atlantic Coast of adverse claims of threatened or actual causes
of action.  The  President,  to the extent  reasonably  possible,  shall provide
complete cooperation to Atlantic Coast, its attorneys and agents in such case.

     10.  Confidentiality.  The  President  shall  not,  during the term of this
          ---------------
Agreement,  or at  any  time  thereafter,  impart  to  anyone  any  confidential
information  which the  President may acquire in the  performance  of his duties
under this Agreement,  except as permitted by Atlantic Coast under compulsion of
law.

     11. Other Provisions.
         ----------------

     11.1.  Section  headings and numbers have been inserted for convenience and
reference only and, if there shall be any conflict  between any such headings or
numbers and the text of this Agreement, the text shall control.

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     11.2. This Agreement may be executed in one or more  counterparts,  each of
which shall be considered an original,  and all of which taken together shall be
considered one and the same instrument.

     11.3.  Waiver by either party of any term or condition of this Agreement or
any  breach  shall not  constitute  a waiver of any other term or  condition  or
breach of this Agreement.

     11.4.  Atlantic  Coast  may,  at  its  option  and  expense,   obtain  such
performance  and fidelity bonds covering the President  which are appropriate or
necessary.

     11.5.  This Agreement may be altered,  amended or terminated at any time by
the mutual written agreement of the President and the Board.

     11.6.  This Agreement  contains all of the terms agreed upon by the parties
with respect to the subject  matter of this  Agreement and  supersedes all prior
agreements,  arrangements and communications between the parties concerning such
matters, whether oral or written.

     11.7.  Any  controversy  or  claim  arising  out  of or  relating  to  this
Agreement,  or the breach  thereof,  shall  first be  mediated  in Ware  County,
Georgia,  by a qualified mediator mutually agreeable to the parties.  Each party
shall share  equally in the costs of any mediation  with each party  responsible
for his or its own attorneys' fees. However, if the dispute cannot be settled by
mediation,  it  shall  be  settled  by  arbitration  in  Ware  County,  Georgia,
administered  by the American  Arbitration  Association  in accordance  with its
Rules.  Judgment upon the award rendered by the arbitrator may be entered in any
court having jurisdiction thereof. If any dispute is arbitrated,  the prevailing
party  shall have its  attorneys'  fees and costs paid by the party that did not
prevail. The Institution

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may only pay such fees and costs  incurred by the  President  after an expressed
written  finding by the Board of Directors that such payment is not  detrimental
to the Institution.

     11.8.  Nothing  in this  Agreement  shall  create a  partnership  or agency
relationship between Atlantic Coast and the President.

     11.9.  Any dispute which arises under this  Agreement  shall be resolved in
accordance with the laws of the state of Georgia.

     11.10. Any notice of communication  permitted or required by this Agreement
shall be in writing and shall become  effective three (3) days after the mailing
by certified mail, return receipt requested,  postage prepaid,  and addressed as
follows:

          (a) If to Atlantic Coast, to: The Chair, Board of Directors,  Atlantic
     Coast Federal, Post Office Box 1256, Waycross, Georgia 31502-1256.

          (b) If to the President/CEO,  to: Robert J. Larison, Jr., 955 Registry
     Boulevard, #320, St. Augustine, FL 32092.

     11.11.  Any payments made to the President  pursuant to this Agreement,  or
otherwise,  are subject to and conditioned  upon their compliance with 12 U.S.C.
Section 1828(k) and any regulations promulgated thereunder.

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     IN WITNESS WHEREOF,  the parties have hereunto set their hands and seals on
the 6th day of February, 2006.

                                               ATLANTIC COAST FEDERAL

                                         By:   /s/ Charles E. Martin, Jr.
                                               --------------------------------
                                               CHARLES E. MARTIN, JR., Chair
                                               Board of Directors

                                        Attest: /s/ Forrest W. Sweat, Jr.
                                                -------------------------------
                                                FORREST W. SWEAT, JR., Secretary
                                                Board of Directors

     I  hereby  accept  employment  from  Atlantic  Coast  upon  the  terms  and
conditions  described  in this  Agreement  and agree to  faithfully  perform the
duties  of   President  of  Atlantic   Coast.

                                                /s/ Robert J. Larison, Jr.
                                                -------------------------------
                                                ROBERT J. LARISON, JR.
                                                President

                                       16EXHIBIT 10.1

                                     [Form of Award Letter]

Date:  [Date]

To:    [Name]

From:  [Name]

Re:    [Date] -[Date] Long Term Incentive Cycle

_____________________________________________________________________________________________________

Attached is material describing the terms of the [Date] - [Date] - Long Term Incentive Cycle. Here are
some of the highlights:

     •   Plan participants receive a contingent grant of PNX restricted stock units (RSUs) that
         may be earned at the end of the [__]-year performance period subject to the company achieving
         its performance goals. Each RSU is potentially convertible into one share of PNX common stock.

     •   The target number of RSUs that may be earned is equal to a participant's long-term
         incentive target divided by the share price of PNX stock on [Date] .

     •   The performance measure for this incentive cycle is a [__]-year average Return on Equity
         (ROE), as defined in the attached material. The target and performance thresholds are set
         forth on your [Year]-[Year] Long-Term Incentive Award Worksheet, attached as Schedule A
         hereto.

     •   The actual number of RSUs that are awarded, if any, at the end of the [___]-year
         performance period will vary based on ROE results for the period.

     •   Participants will be required to retain a fixed percentage of the award, based on
         their share ownership and retention guidelines.

Please review the attached material describing the terms of the [Year] - [Year] LTI Cycle, including
performance criteria. The [Year]-[Year] LTI Award Worksheet provides information about your annual
and long-term targets, shows examples of the possible value of your long-term award, and includes a
reminder of your share ownership and retention guidelines.

If you have any questions, please call me at extension [__] or [____] at extension [___].

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