Document:

Unassociated Document

    
      PLEDGE
AGREEMENT

       

      THIS
AGREEMENT is made and entered into this 28th day of
December, 2007, at Spartanburg, South Carolina, by and between FIRST NATIONAL
BANCSHARES, INC.  (“Pledgor”), and NEXITY BANK
(“Lender”).

       

      1.           PLEDGE OF
STOCK.

       

      In
consideration of any financial accommodation given, to be given or continued to
the Pledgor, and as collateral security for the payment of all debts,
obligations or liabilities now or hereafter existing, absolute or contingent, of
the Pledgor to Lender incurred pursuant to that certain Loan Agreement (and as
the same may be hereafter amended, supplemented, extended or modified) dated of
even date herewith (hereinafter the Loan Agreement), and that certain Promissory
Note of the Pledgor dated of even date herewith (hereinafter the “Note”), the
Pledgor, hereby assigns, transfers to and pledges with and grants to Lender
pursuant to the South Carolina Uniform Commercial Code a security interest in
Pledgor’s right, title and interest in  1,100,000 shares of the common
stock of First National Bank of the South (formerly known as First National Bank
of Spartanburg) a national banking association (the “Bank”) as evidenced by
Stock Certificate No. 001 for 1,100,000 shares issued by the Bank (the
“Shares”), together with any and all stock rights, rights paid in stock, new
securities or other properties to which the Pledgor is or may hereafter become
entitled to receive on account of Shares, and in the event that the Pledgor
receives any such property, the Pledgor will immediately deliver it to Lender to
be held by Lender hereunder in the same manner as the stock originally pledged
hereunder.  All property and property rights assigned, transferred to,
pledged with Lender and in which Lender is granted a security interest under
this paragraph is hereinafter referred to as the “Collateral”.

       

      Upon
execution and delivery of this Agreement, Pledgor shall deliver to Lender
certificates evidencing the Shares, accompanied by executed stock powers in
blank with respect to the Shares in favor of Lender, the rights of Lender under
which shall be exercisable only upon the occurrence of an Event of Default, and
by such other instruments or documents as Lender or its counsel may reasonably
request.  Pledgor represents that it is the legal and equitable owner
of, and has the complete and unconditional authority to pledge, the Shares, and
holds the same free and clear of all liens, charges, encumbrances and security
interests except those in favor of Lender granted hereunder, and will defend its
title thereto against the claims of all persons whomsoever.  All of
the Shares are duly authorized, validly issued, fully paid and
nonassessable.

       

      The
Pledgor agrees to pay prior to delinquency all taxes, charges, liens and
assessments against the Collateral, and upon the failure of the Pledgor to do
so, Lender at its option may pay any of them and shall be the sole judge of the
legality or validity thereof and the amount necessary to discharge the
same.  All advances, charges, costs and expenses, including reasonable
attorneys’ fees, incurred or paid by Lender in exercising any right, power or
remedy conferred by this Agreement, or in the enforcement thereof, shall become
a part of the indebtedness secured hereunder and shall be paid to Lender by the
Pledgor immediately upon demand therefor, with interest thereon until paid in
full at the rate as set forth in said Note.

       

      

      
        
           

        

        
           

          
            

          

        

        
           

        

      

       

      2.           RELEASE OF COLLATERAL FROM
PLEDGE.

       

      Within
seven (7) days of any principal payment on said Note (as set forth in the Note),
a number of Shares of Collateral shall be released from the total number of
Shares pledged hereunder. The number of Shares so released shall be the total
number of Shares pledged hereunder immediately prior to such release multiplied
by a fraction (i) the numerator of which is the amount of principal paid during
such calendar year, and (ii) the denominator of which is the amount of principal
and interest paid during such calendar year plus the amount of
the principal to be paid for all future years. If the Collateral at the end of
any calendar year includes more than one class of securities, the number of
securities of each class to be released for such calendar year shall be
determined by applying the same fraction to each class.

       

      On any
business day following the date of any release of Shares provided for in this
Section 2, upon not less than two (2) nor more than ten (10) business days’
notice to Lender from the Pledgor that Pledgor desires to deliver replacement
stock certificates to evidence only those Shares not theretofore released from
the lien hereof, the Pledgor shall deliver one or more duly issued stock
certificates evidencing the Collateral not so released, with duly executed stock
powers in blank affixed thereto, in such manner and with such supporting
documentation (including evidence of the simultaneous cancellation, upon the
books of the issuer, of the certificates being surrendered by Lender in exchange
therefor), if any, as Lender may reasonably request, to maintain the perfection
and priority of the lien of Lender upon the Collateral, and upon receipt by
Lender of all such items, Lender shall return to Pledgor all or any part of the
certificates, as appropriate, theretofore held by it evidencing the Collateral.
After any Shares have been released from the security interest provided for
herein and prior to any such delivery of replacement certificates, Lender shall
hold for safekeeping all certificates representing all such released Shares to
the extent of such release.  As an alternative to delivering to Lender
stock certificates representing the Shares, Pledgor may instead grant Lender a
security interest in Pledgor's brokerage account with respect to the pledged
Shares constituting the collateral at a given time.

       

      3.           PRESERVATION AND PROTECTION
OF COLLATERAL.

       

      Lender
shall be under no duty or liability with respect to the collection, protection
or preservation of the Collateral, or otherwise, beyond the use of reasonable
care in the custody and preservation thereof while in its
possession.

       

      4.           SALE OR TRANSFER OF
NOTE.

       

      Upon the
transfer of all or any part of the indebtedness, Lender may transfer all or any
part of the Collateral and shall be fully discharged thereafter from all
liability and responsibility with respect to such Collateral so transferred, and
the transferee shall be vested with all the rights and powers of Lender
hereunder with respect to such Collateral so transferred; but with respect to
any Collateral not so transferred, Lender shall retain all rights and powers
hereby given.

       

      5.           DEFAULT.

       

      Should
any Event of Default specified in the Loan Agreement occur, Lender or any holder
of any indebtedness secured hereby, is given full power and authority, then or
at any time thereafter, at its election, to sell, assign and deliver or collect
the whole or any part of the Collateral, or any substitute therefor or any
addition thereto, in one or more sales, with or without any previous demands or
demand of performance or notice or advertisement, in such order as Lender may
elect; and such sale may be made either at public or private sale at Lender’s
place of business or elsewhere, either for cash or upon credit or for future
delivery, at such price as Lender may deem fair; and Lender may be the purchaser
of any or all Collateral so sold and hold the same thereafter in its own right
free from any claim of the Pledgor or right of redemption. Demands of
performance, notices of sale, advertisements, presence of property and sale, and
the applicable provisions of the South Carolina Uniform Commercial Code are
hereby waived to the extent permissible by law. Any sale hereunder may be
conducted by an auctioneer or any officer or agent of Lender or any holder of
any indebtedness secured hereby. Pledgor recognizes that Lender may be unable to
effect a public sale of the Collateral by reason of certain prohibitions
contained in the Securities Act of 1933 and applicable state law, and as a
consequence may be compelled to resort to one or more private sales to a
restricted group of purchasers who will be obliged to agree, among other things,
to acquire the stock for their own account, for investment and not with a view
to the distribution or resale thereof. Pledgor agrees and acknowledges that
private sales so made may be at prices and upon terms less favorable to Pledgor
than if such stock were sold at public sales, and that Lender has no obligation
to delay the sale of any of the Collateral for the period of time necessary to
permit the issuer of such Collateral to register or otherwise qualify them, even
if such issuer would agree to register or otherwise qualify such Collateral for
public sale under the Securities Act of 1933 or applicable state law. The
Pledgor further agrees, to the extent permitted by applicable law, that the use
of private sales made under the foregoing circumstances to dispose of the
Collateral shall be deemed to be dispositions in a commercially reasonable
manner. In addition to the foregoing, Lender or such other holder may exercise
such other rights and remedies as may be available to it under the Loan
Agreement, at law (including without limitation the Uniform Commercial Code as
in effect in the State of South Carolina) or in equity.

       

      6.           PROCEEDS OF
SALE.

       

      The
proceeds of the sale of any of the Collateral and all sums received or collected
from or on account of such Collateral shall be applied to the payment of
expenses incurred or paid by Lender or other holder of the Note in connection
with any sale, transfer or delivery of the Collateral, to the payment of any
other costs, charges, attorneys’ fees or expenses mentioned herein, and to the
payment of the Note or any part thereof, all in such order and manner as Lender
or such holder in its discretion may determine or as otherwise required by
applicable law. Lender or such holder shall, upon satisfaction in full of all
such obligations, pay any balance to the undersigned or to the person or persons
entitled thereto upon proper demand being made therefor.

       

      
        
           

        

        
          2

          
            

          

        

        
           

        

      

      7.           PRESENTMENTS,
ETC.

       

      Lender
shall be under no duty or obligation whatsoever, other than as set forth in said
Note, to make or give any presentments, demands for performances, notices of
nonperformance, protests, notice of protest or notice of dishonor in connection
with any obligations or evidence of indebtedness held by Lender as collateral,
or in connection with any obligations or evidences of indebtedness which
constitute in whole or in part the indebtedness secured hereunder.

       

      8.           ATTORNEY-IN-FACT.

       

      Except as
to voting rights as set forth in Paragraph 10 hereof, the Pledgor hereby
appoints Lender as Pledgor’s attorney-in-fact for the purposes of carrying out
the provisions of this Agreement and taking any action and executing any
instrument which Lender may deem necessary or advisable to accomplish the
purposes hereof, which appointment is irrevocable and coupled with an interest.
Without limiting the generality of the foregoing, Lender shall have the right
and power to receive, endorse and collect all checks and other orders for the
payment of money made payable to the Pledgor representing any dividend, interest
payment, principal payment or other distribution payable or distributable in
respect to the Collateral or any part thereof and to give full discharge for the
same.

       

      9.           WAIVER BY
PLEDGOR.

       

      The
Pledgor waives any right to require Lender to (a) proceed against any person or
entity, (b) proceed against or exhaust any Collateral, or (c) pursue any other
remedy in Lender’s power; and waives any defense arising by reason of any
disability or other defense of any other person, or by reason of the cessation
from any cause whatsoever of the liability of any other person or entity. Until
all indebtedness arising under the Loan Agreement and the Note shall have been
paid in full, the Pledgor shall have no right of subrogation, and the Pledgor
waives any right to
enforce any remedy which Lender now has or may hereafter have against any other
person and waives any benefit of and any right to participate in any Collateral
or security whatsoever now or hereafter held by Lender.

       

      Lender
may at any time deliver (without representation, recourse or warranty) the
Collateral or any part thereof to the Pledgor and the receipt of the Pledgor
shall be a complete and full acquittance for the Collateral so delivered, and
Lender shall thereafter be discharged from any liability or responsibility
therefor.

       

      10.           VOTING
RIGHTS.

       

      (a)           So
long as no Event of Default as defined in the Loan Agreement shall have
occurred, any such cash dividends may be retained by Pledgor and applied by it
for any purpose not inconsistent with the Loan Agreement. All other dividends
and distributions, and following the occurrence of any Event of Default all cash
dividends, shall be promptly delivered to Lender (together, if Lender shall
request, with stock powers duly executed in blank affixed thereto) to be held,
released or disposed of by it hereunder or, at Lender’s option, to be applied to
the indebtedness hereby secured as it becomes due.

       

      (b)           So
long as no Event of Default as defined in the Loan Agreement shall have occurred
and no Event of Default would occur thereby, the registration of the Collateral
in the name of the Pledgor shall not be changed and the Pledgor shall be
entitled to exercise all voting and other rights and powers pertaining to the
Collateral for all purposes not inconsistent with the terms hereof.

       

      (c)           Upon
the occurrence of any Event of Default as defined in the Loan Agreement, at
Lender’s option all rights of the Pledgor to exercise the voting or consensual
rights and powers which they are authorized to exercise pursuant to subsection
(b) above and to receive and retain dividends upon the Shares shall cease, and
shall thereupon be vested in Lender, and Lender may thereupon, at its option,
from time to time after the occurrence of an Event of Default, cause the Shares
to be registered in the name of Lender or its nominee or agent and/or exercise
such voting or consensual rights and powers as appertain to ownership of the
Shares, and to that end the Pledgor hereby appoints Lender as it proxy, with
full power of substitution, to vote and exercise all other rights as a
shareholder with respect to their shares constituting Collateral hereunder upon
the occurrence of any Event of Default, which proxy is coupled with an interest
and is irrevocable prior to termination of this Agreement, and the Pledgor
hereby agrees to provide such further proxies as Lender may request; provided however, that Lender
in its discretion from time to time may refrain from exercising, and shall not
be obligated to exercise, any such voting or consensual rights or such
proxy.

       

      
        
           

        

        
          3

          
            

          

        

        
           

        

      

      11.           POWER OF
SALE.

       

      Until all
indebtedness of the Pledgor to Lender shall have been paid in full, the power of
sale and other rights, powers and remedies granted to Lender hereunder shall
continue to exist and may be exercised by Lender at any time and from time to
time irrespective of the fact that any such indebtedness or any part thereof may
have become barred by any statute of limitations, or that the personal liability
of the Pledgor may have ceased.

       

      12.           OTHER
RIGHTS.

       

      The
rights, powers and remedies given to Lender by this Agreement shall be in
addition to all rights, powers and remedies given to Lender by virtue of any
statute or rule of law. Any forbearance or failure or delay by Lender in
exercising any right, power or remedy hereunder shall not be deemed to be a
waiver of such right, power or remedy, and any single or partial exercise of any
right, power or remedy hereunder shall not preclude the further exercise
thereof; and every right, power and remedy of Lender shall continue in full
force and effect until such right, power or remedy is specifically waived by an
instrument in writing.

       

      13.           FURTHER
ASSURANCES.

       

      The
Pledgor agrees to do such further acts and things, and to execute and deliver
such additional conveyances, assignments, agreements and instruments, as Lender
may at any time request in connection with the administration or enforcement of
this Agreement or related to the Collateral or any part thereof or in order
better to assure and confirm unto Lender its rights, powers and remedies
hereunder. The Pledgor hereby consents and agrees that the issuers of or
obligers in respect of the Collateral shall be entitled to accept the provisions
hereof as conclusive evidence of the right of Lender to exercise its rights
hereunder with respect to the Collateral, notwithstanding any other notice or
direction to the contrary heretofore or hereafter given by the Pledgor or any
other person to any of such issuers or obligers.

       

      14.           BINDING AGREEMENT;
ASSIGNMENT.

       

      This
Agreement, and the terms, covenants and conditions hereof, shall be binding upon
and inure to the benefit of the parties hereto, and to their respective
successors and assigns, except that the Pledgor shall not be permitted to assign
this Agreement or any interest herein or in the Collateral, or any part thereof,
or otherwise pledge, encumber or grant any option with respect to the
Collateral, or any part thereof, or any cash or property held by Lender as
collateral under this Agreement. All references herein to Lender shall include
any other holders from time to time of the Note.

       

      
        
           

        

        
          4

          
            

          

        

        
           

        

      

      15.           GOVERNING
LAW.

       

      The
validity and interpretation of this Agreement and performance of the parties
hereto of their respective duties and obligations hereunder shall be governed by
the laws of the State of South Carolina.

       

      16.           SEVERABILITY.

       

      In case
any lien, security interest or other right of Lender or provisions hereof shall
be held to be invalid, illegal or unenforceable, such invalidity, illegality
and/or unenforceability shall not affect any other lien, security interest or
other right granted hereby or provision hereof.

       

      IN
WITNESS WHEREOF, the parties have duly executed this Agreement on the day and
year first written above.

       

       

      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  	 	FIRST
      NATIONAL BANCSHARES, INC.	 
	 	 	 
	 	 	 
	 	 	 	 
	
                                           

                                        	
                                          By:
      

                                        	 
      	 
	 	 	Kitty
      B. Payne	 
	 	Its:	Chief
      Financial Officer	 
	 	 	 	 
	 	 	 	 
	 	NEXITY
      BANK
	 	 	 	 
	 	 	 	 
	 	By:	  
      	 
	 	Its:	 
      	 

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      

      (CORPORATE
SEAL)

       

      
 

      
        
           

        

        
          5

          
            

          

        

        
           

        

      

      

                                                                             

      Irrevocable
Stock Power

       

      For value
received the undersigned, in her capacity as Chief Financial Officer
of  First National Bancshares, Inc., does hereby sell, assign and
transfer unto, Nexity Bank 1,100,000 shares of the outstanding common stock of
First National Bank of the South, as represented by Certificate Number 001. The
undersigned further irrevocably constitutes and appoints _________________, as
Attorney to transfer the said shares on the books of First National Bank of the
South with full power of substitution in the premises.

       

      
         

        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              	 	FIRST
      NATIONAL BANCSHARES, INC.	 
	 	 	 
	 	 	 
	 	 	 	 
	
                                                       

                                                    	
                                                      By:
      

                                                    	 
      	 
	 	 	Kitty
      B. Payne	 
	 	Its:	Chief
      Financial Officer	 
	 	 	 	 
	 	 	 	 

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

         

         

      

      

      
        	
                Dated:

              	
                ______________________

              

      

      

      

      

      
        
           

        

        
          6Unassociated Document

    
      PROMISSORY
NOTE

      

      

      $15,000,000.00

                  Spartanburg,
South Carolina

      

      December
28, 2007

      

      FOR VALUE RECEIVED, FIRST NATIONAL
BANCSHARES, INC. (the “Borrower”), promises to pay to the order of NEXITY BANK
(the “Lender”) as provided for in the Loan Agreement (as defined below),
the lesser of (i) the principal sum of $15,000,000.00 or (ii) the aggregate
unpaid principal amount of all Loans made by the Lender to the Borrower pursuant
to that certain Loan Agreement, by and between the Borrower and the Lender,
dated of even date herewith (as amended, modified or supplemented from time to
time, the “Loan Agreement”),
together with interest thereon computed from the date hereof as hereinafter
provided (computed on the basis of a 360-day year for the actual number of day
in each interest period).

       

       

      
        	
                 
      

              	
                Term

              

      

      

      The Term of this Note shall be twelve
(12) years.  In the event this Note has not been paid, in accordance
with the terms hereof, the principal and all accrued but unpaid interest shall
be due and payable on December 28, 2019 (“Maturity”).

      

       

      
        	
                 
      

              	
                Interest

              

      

      

      This Note
shall bear interest from the date hereof at a rate equal to the Wall Street
Journal Prime Rate minus one hundred and twenty five (125) basis points
(Prime-1.25%) per annum, floating.  The Borrower will pay the Lender a
$15,000 fee upon execution of this Note.

      

      Any past due installments of principal,
interest or principal and interest, as the case may be, shall bear interest at
the applicable rate set out herein until paid.  Interest shall be
computed on the basis of a 360-day year.  After this Note shall become
due, whether by acceleration or otherwise, this Note shall bear interest at a
rate equal to the Wall Street Journal stated Prime Rate, plus three percent (3%)
per annum, floating.  The applicable rates of interest set forth in
this Note shall apply both before and after any judgment on the indebtedness
evidenced by this Note.

      

       

      
        	
                 
      

              	
                Repayment
      Terms

              

      

      

                 From
the date of this Note, on the last day of each calendar quarter, beginning with
the March 31, 2008 payment, and continuing through December 31, 2009, the
Borrower shall make quarterly installments of accrued and unpaid
interest.  

      

      
        
           

        

        
           

          
            

          

        

        
           

        

      

      

      Commencing
on December 31, 2010 and continuing on the last day of each successive calendar
year thereafter, through and including the date of Maturity, the Borrower shall
make annual principal payments in an amount equal to the total outstanding
principal balance of the Loan as of December 31, 2009 based upon a ten (10) year
amortization, plus payments in quarterly installments of accrued and unpaid
interest.  All remaining unpaid principal, accrued interest and all
other sums and costs incurred by the Lender pursuant to this Agreement with
respect to the Loan shall be immediately due and payable on the Maturity Date
without notice, presentment or demand of any kind.

      

      Time is of the essence of this
Note.  In the event the Borrower fails to make a full payment of any
installment of principal or interest due under this Note when due, then to
compensate for the extra cost and expenses caused by such late payment, the
Borrower shall pay to the Lender a “late charge” in an amount equal to five (5%)
percent of the amount of the late payment of principal and/or
interest.  Such late charge will be waived if the Borrower makes
payment in full within 2 business days of the date such payment is
due.  This paragraph shall not be deemed to grant to the Borrower a
grace period for the payment of quarterly installments, and such quarterly
installments shall be payable on the due dates thereof as elsewhere provided
herein.

      

       

      
        	
                 
      

              	
                Prepayment

              

      

      

      The
Borrower may prepay the principal amount and accrued interest of the
Loan

      at any
time, in full or in part, without any penalty.

      

       

      
        	
                 
      

              	
                Security;  Default

              

      

      

      This Note is secured by that certain
Stock Pledge Agreement, between Borrower and Lender, dated of even date herewith
(the “Stock Pledge Agreement”).  The terms and conditions of the Stock
Pledge Agreement shall be considered parts hereof to the same extent as if
written herein, and in the event of a default by the Borrower in any agreement,
covenant or condition contained in the Stock Pledge Agreement, or in the event
any payment of principal or interest or of principal and interest as the case
may be, required to be paid by this Note is not paid when due, or in the event
of any other violation or breach of any material term, condition, covenant or
provision of this Note, the entire remaining unpaid principal of this Note and
all accrued, but unpaid interest thereon, shall immediately be due and payable
at the option of the holder hereof.  In the event this Note is placed
with an attorney at law for the collection or enforcement, the Borrower agrees
to pay all costs of collection or enforcement, including without limitation,
court costs and reasonable attorneys fees.

      

       

      
        	
                 
      

              	
                Payments
      Not to Violate Law

              

      

      

      Nothing herein contained nor any
transaction related thereto shall be construed or so operate as to require the
Borrower to pay interest at a rate greater than it is now lawful in such case to
contract for under applicable law, or to make any payment or to do any act
contrary to applicable law, and the Lender shall reimburse the Borrower for any
interest paid in excess of the highest rate allowed by the applicable law or any
other payment which may inadvertently be required to be paid contrary to the
applicable law;  and if any clauses or provisions herein contained
operate or would prospectively operate to invalidate this Note, in whole, or in
part, then such clauses and provisions only shall be held for naught, as though
not herein contained, and the remainder of this Note shall remain operative and
in full force and effect.

      

      
        
           

        

        
          -2-

          
            

          

        

        
           

        

      

       

      
        	
                 
      

              	
                Governing
      Law

              

      

      

      This Note shall be governed by and
construed in accordance with the laws of the State of South
Carolina.

      

       

      
        	
                 
      

              	
                Modification;
      Assumption

              

      

      

      It is important that the Borrower
thoroughly read this Note before it is signed, as well as any other document
required in this transaction and which are incorporated herein by
reference.  This Note and these documents contain all of the terms and
understandings between the Lender and the Borrower relating to this transaction,
there being no other terms or understandings unless written.  This
Note and other applicable documents cannot be changed orally, but only by
written agreement and signed by all parties hereto.  Payment of this
Note may not be assumed by third parties without the written consent of the
Lender, which consent the Lender is under no obligation to give, and if given,
the Lender may condition such consent on a change in the terms and conditions in
the loan documents and may require that the original parties remain
liable.

      

       

      
        	
                 
      

              	
                Waivers

              

      

      

      All parties to this Note, including
endorsers, sureties, and guarantors, if any, hereby waive presentment for
payment, demand, protest, notice of nonpayment or dishonor and of protest, and
any and all other notices and demand whatsoever, and agree to remain bound until
the principal and interest are paid in full, notwithstanding any extensions of
time for payment which may be granted even though the period or periods of
extension be indefinite and notwithstanding any inaction by, or failure to
assert any legal rights available to the holder of this Note.

      

      IN WITNESS WHEREOF, the Borrower has
caused this instrument to be duly executed under seal as of the day and year
first above written.

       

       

      
        
          
            
              
                
                  	 	 	FIRST
      NATIONAL BANCSHARES, INC.	 
	Witnesses:	 	 	 
	 	 	 	 
	 	 	 	 	 
	
                           
      

                        	 	
                          By:
      

                        	 
      	 
	 	 	 	Kitty
      B. Payne	 
	 	 	Its:	Chief
      Financial Officer	 
	 	 	 	 	 

                

              

            

          

        

      

      

      

      
        
           

        

        
          -3-

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