Document:

<PAGE>
                                                                    EXHIBIT 10.3

                                     SECURED
                         NON-NEGOTIABLE PROMISSORY NOTE
                                   [Term Note]

$1,000,000.00                                                St. Louis, Missouri
                                                                October 31, 1997

         FOR VALUE RECEIVED the undersigned, WEISS AND NEUMAN SHOE CO., a
Missouri corporation ("Maker"), promises to pay to SANFORD W. WEISS, as agent
for those individuals set forth on Schedule 1 hereto ("Lender"), at 11541 Conway
Road, St. Louis, Missouri 63131, the principal sum of One Million Dollars
($1,000,000.00) together with interest from the date hereof on the unpaid
principal balance. The principal sum of this Note plus accrued interest on the
unpaid principal balance, shall be paid in forty (40) installments commencing on
April 1, 1998, and continuing each calendar quarter thereafter in accordance
with the payment schedule set forth on Schedule 2 hereto.

         At the option of Maker, all, but not less than all, of the principal
sum and accrued interest due on this Note may be prepaid without premium or
penalty (the "Prepayment"). The Prepayment amount shall be an amount equal to
the present value of the annual payments of principal and interest which remain
unpaid as of the date of the Prepayment, discounted at an 8% annual rate of
interest. At the option of Maker, a portion of the principal sum and accrued
interest due on this Note may be prepaid without premium or penalty. In the
event of such a partial prepayment, the payment schedule set forth on Schedule 2
hereto shall be recalculated to account for such prepayment.

         In order to secure Maker's obligations under this Note, Maker has (i)
caused Southwest Bank of St. Louis to issue Letter of Credit No. 9156 (a copy of
which is attached hereto as Schedule 3), in the amount of Five Hundred Thousand
Dollars ($500,000.00) designating Lender as the beneficiary thereunder (the
"Letter of Credit"), (ii) executed and delivered to Lender a Security Agreement
dated as of the date hereof, substantially in the form of Schedule 4 hereto (the
"Security Agreement"), and (iii) caused Peter A. Edison ("PAE") to execute and
deliver to Lender a Personal Guaranty dated as of the date hereof, substantially
in the form of Schedule 5 hereto (the "Personal Guaranty"). Lender agrees that
if the outstanding principal amount of this Note, less any Offset Amount (as
defined herein) is less than Five Hundred Thousand Dollars ($500,000.00), then
the amount of the Letter of Credit may be reduced on a dollar for dollar basis
in the amount of such deficit.

         The occurrence of one or more of the following shall be considered an
"Event of Default" under this Note:

         (a)      Maker's failure to pay any amount payable hereunder when due,
                  and such default is not cured within 10 business days after
                  Maker has received written notice of such default from Lender;
                  and

         (b)      The failure of Maker to provide Lender with evidence that a
                  replacement to the Letter of Credit is effective at least 30
                  days prior to the expiration of the Letter of Credit.

<PAGE>

         If an Event of Default has occurred and is continuing all amounts due
hereunder shall be immediately due and payable, and Lender shall be entitled to
(i) submit to Southwest Bank of St. Louis a Draw Certificate substantially in
the form of Schedule 6 hereto requesting a draw on the Letter of Credit in
amounts not to exceed that which is due and payable under this Note, (ii)
enforce its rights in accordance with the terms and conditions of the Security
Agreement, and (iii) enforce its rights in accordance with the terms and
conditions of the Personal Guaranty.

         If an Event of Default has occurred and is continuing, and if this Note
is turned over to attorneys for collection, (i) Maker agrees to pay all
reasonable costs of collection, including reasonable attorneys' fees and court
costs, and (ii) the unpaid balance hereof shall bear interest at a rate which is
the lesser of (x) 12% per annum or (y) the maximum rate allowable by law, until
paid in full.

         Notwithstanding anything set forth herein to the contrary, at anytime
during the first five years Maker's obligations under this Note are outstanding,
Maker shall have the option to forego making the four regularly scheduled
payments of principal and interest during any calendar year during such time
period (the "Front 9 Mulligan"). The payments of principal and interest
associated with the Front 9 Mulligan, and each such payment thereafter, shall be
due and payable 12 months immediately after the regularly scheduled payment date
as set forth on Schedule 2 hereto. At anytime during the second five years
Maker's obligations under this Note are outstanding, Maker shall have the option
to forego making the four regularly scheduled payments of principal and interest
during any calendar year during such time period (the "Back 9 Mulligan"). The
payments of principal and interest associated with the Back 9 Mulligan, and each
such payment thereafter, shall be due and payable 12 months immediately after
the regularly scheduled payment date as set forth on Schedule 2 hereto, as may
be amended if the Front 9 Mulligan is utilized.

         If Maker exercises any of the Front 9 Mulligan, the Back 9 Mulligan or
a Quarterly Mulligan (as defined herein), Maker agrees that such deferred
payments shall bear interest in accordance with the method of computing interest
hereunder. Maker further agrees that upon the exercise of any such mulligan,
Maker shall cause to be prepared and delivered to Lender, subject to Lender's
review and approval, a revised Schedule 2 which when agreed upon by Lender shall
thereafter be substituted for and replace the Schedule 2 then attached to this
Note.

         Prior to exercising the Front 9 Mulligan or the Back 9 Mulligan, Maker
shall provide Lender with an affidavit (the "Affidavit"), signed by Maker's
Chief Executive Officer stating that the financial position and performance of
Maker are currently such that to make the regularly scheduled payments of
principal and interest for such year would reduce Maker's available working
capital, after considering all reasonably available sources therefor, below a
level which a reasonable, qualified Chief Executive Officer would deem prudent.
The Affidavit shall be delivered to Lender no later than January 2 of the year
during which Maker exercises the Front 9 Mulligan or the Back 9 Mulligan, as
applicable.

         Notwithstanding anything set forth herein to the contrary, Maker shall
have the option to delay making an April, July or October regularly scheduled
payment of principal and

                                       -2-

<PAGE>

interest during each calendar year this Note is outstanding (each a "Quarterly
Mulligan"), provided however, Maker shall pay such delayed payment of principal
and interest at the time Maker pays the regularly scheduled payment of principal
and interest due in January of the immediately following calendar year. If Maker
exercises a Quarterly Mulligan and within the same calendar year (i) fails to
make another regularly scheduled quarterly payment of principal and interest,
and (ii) provides Lender with an affidavit signed by Maker's Chief Executive
Officer stating its intention to delay making such payment and that the
financial position and performance of Maker are currently such that to make such
payment would reduce Maker's available working capital, after considering all
reasonably available sources therefor, below a level which a reasonable,
qualified Chief Executive Officer would deem prudent, then Maker shall be deemed
to have exercised the Front 9 Mulligan or the Back 9 Mulligan, as applicable.

         Maker may offset against payments due hereunder amounts due and payable
to Maker pursuant to Section 8.3 of the Securities Redemption and Acquisition
Agreement ("Offset Amount"), dated as of the date hereof, among Maker, PAE and
certain shareholders of Company.

         If any provision of this Note or the application thereof is held
invalid or unenforceable, the remainder of this Note will not be affected
thereby and the provisions of this Note shall be severable in any such instance.

         No waiver of any term, provision or condition of this Note, whether by
conduct or otherwise, in any one or more instances, shall be deemed to be, or
shall constitute a waiver of any other provision hereof, whether or not similar,
nor shall such waiver constitute a continuing waiver, and no waiver shall be
binding unless executed in writing by the party making the waiver.

         This Note has been executed under and shall be governed by the laws of
the State of Missouri without regard to such state's conflicts of law
principles.

         NOTWITHSTANDING ANYTHING SET FORTH HEREIN TO THE CONTRARY, LENDER
HEREBY ACKNOWLEDGES THAT ITS RIGHTS UNDER THIS NOTE ARE SUBORDINATE TO THE
RIGHTS OF SOUTHWEST BANK OF ST. LOUIS IN ACCORDANCE WITH THE TERMS AND
CONDITIONS OF THE SUBORDINATION AGREEMENT BETWEEN LENDER AND SOUTHWEST BANK OF
ST. LOUIS.

         IN WITNESS WHEREOF, the undersigned has executed this Note as of the
day and year first above written.

                                    WEISS AND NEUMAN SHOE CO.

                                    By:  /s/ PETER A. EDISON
                                       ----------------------------------

[Schedule 1, Schedule of Shareholders, and Schedule 3, Letter of Credit,
omitted. The Registrant undertakes to furnish supplementally a copy of such
omitted schedules to the Commission upon request.]

                                       -3-

<PAGE>

                                   SCHEDULE 2

                                    PAYMENTS

<Table>
<Caption>
                                      ACCRUED
                        PRINCIPAL     INTEREST    INTEREST      TOTAL     PRINCIPAL BALANCE
                         PAYMENT      PAYMENT     PAYMENT      PAYMENT        REMAINING
                        ---------     --------    --------     -------    -----------------
<S>                     <C>           <C>         <C>          <C>        <C>
                                                                                  $15,799(1)
                                                                               $1,000,000
April 1, 1998                  $0       $7,500     $20,000     $27,500         $1,000,000
July 1, 1998                   $0       $7,500     $20,000     $27,500         $1,000,000
October 1, 1998            $6,187       $1,313     $20,000     $27,500           $993,813
January 1, 1999            $7,624           $0     $19,876     $27,500           $986,189
April 1, 1999             $10,276           $0     $19,724     $30,000           $975,913
July 1, 1999              $10,482           $0     $19,518     $30,000           $965,431
October 1, 1999           $10,691           $0     $19,309     $30,000           $954,740
January 1, 2000           $10,905           $0     $19,095     $30,000           $943,835
April 1, 2000             $13,623           $0     $18,877     $32,500           $930,211
July 1, 2000              $13,896           $0     $18,604     $32,500           $916,316
October 1, 2000           $14,174           50     $18,326     $32,500           $902,142
January 1, 2001           $14,457           $0     $18,043     $32,500           $887,685
April 1, 2001             $17,246           50     $17,754     $35,000           $870,439
July 1, 2001              $17,591           $0     $17,409     $35,000           $852,847
October 1, 2001           $17,943           $0     $17,057     $35,000           $834,904
January 1, 2002           $18,302           $0     $16,698     $35,000           $816,602
April 1, 2002             $21,168           $0     $16,332     $37,500           $795,434
July 1, 2002              $21,591           $0     $15,909     $37,500           $773,843
October 1, 2002           $22,023           $0     $15,477     $37,500           $751,820
January 1, 2003           $22,464           $0     $15,036     $37,500           $729,356
April 1, 2003             $25,413           $0     $14,587     $40,000           $703,943
July 1, 2003              $25,921           $0     $14,079     $40,000           $678,022
October 1, 2003           $26,440           $0     $13,560     $40,000           $651,583
January 1, 2004           $26,968           $0     $13,032     $40,000           $624,614
April 1, 2004             $30,008           $0     $12,492     $42,500           $594,607
July 1, 2004              $30,608           $0     $11,892     $42,500           $563,999
October 1, 2004           $31,220           $0     $11,280     $42,500           $532,779
January 1, 2005           $31,844           $0     $10,656     $42,500           $500,934
April 1, 2005             $34,981           $0     $10,019     $45,000           $465,953
July 1, 2005              $35,681           $0      $9,319     $45,000           $430,272
October 1, 2005           $36,395           $0      $8,605     $45,000           $393,878
January 1, 2006           $37,122           $0      $7,878     $45,000           $356,755
April 1, 2006             $40,365           $0      $7,135     $47,500           $316,390
July 1, 2006              $41,172           $0      $6,328     $47,500           $275,218
October 1, 2006           $41,996           $0      $5,504     $47,500           $233,222
January 1, 2007           $42,836           $0      $4,664     $47,500           $190,387
April 1, 2007             $46,192           $0      $3,808     $50,000           $144,195
July 1, 2007              $47,116           $0      $2,884     $50,000            $97,078
October 1, 2007           $48,058           $0      $1,942     $50,000            $49,020
January 1, 2008           $49,020           $0        $980     $50,000                 $0

Total                  $1,000,000      $16,313    $533,687  $1,550,000
</Table>

(1) Accrued interest of 72 days as of January 1, 1998.

<PAGE>

                                   SCHEDULE 4

                               SECURITY AGREEMENT

                                  SEE ATTACHED

<PAGE>

                               SECURITY AGREEMENT

         The undersigned, WEISS AND NEUMAN SHOE CO., a Missouri corporation
("Company"), for valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, does hereby enter into this Security Agreement
("Agreement") in favor of SANFORD W. WEISS ("Lender"), as agent for those
individuals identified on Exhibit A hereto as of this 31st day of October, 1997.

                                    RECITALS

         A. As consideration for, and as a condition precedent to, Lender
accepting Company's Secured Non-Negotiable Promissory Note in the principal
amount of $1,000,000.00 and Company's Secured Non-Negotiable Promissory Note in
a principal amount to be determined, both dated as of the date hereof
(collectively, the "Notes"), Company has agreed to secure its obligations under
the Notes.

         B. Lender and Southwest Bank of St. Louis ("Southwest"), have entered
into that certain Subordination Agreement dated as of the date hereof (the
"Subordination Agreement").

                                   AGREEMENTS

         1. Description of Obligations. The security interest created herein is
intended to and shall guarantee and secure the performance of the covenants and
agreements herein set forth and to guarantee and secure payment of Company's
obligations under the Notes.

         2. Collateral and Grant of Security Interest. As security for the
prompt and complete payment and performance of all monetary obligations under
the Notes (the "Obligations"), Company does hereby sell, assign, transfer,
convey, mortgage and grant a continuing security interest to Lender in all of
Company's right, title and interest in and to Company's furniture, fixtures,
equipment, inventory, supplies and accounts receivable related to operations of
Company's business wherever located, whenever acquired and all proceeds thereof
(collectively, the "Collateral").

         3. Representations and Warranties. Company hereby represents and
warrants to Lender that:

                  (a) Company has all requisite authority to enter into and
         perform its obligations under this Agreement and all other agreements
         to be executed and delivered by Company hereunder and to consummate the
         transactions contemplated hereby; and

                  (b) this Agreement has been duly executed and delivered by
         Company and constitutes the legal, valid and binding obligations of
         Company enforceable against it in accordance with its terms, except as
         such enforceability may be limited by bankruptcy, insolvency,
         reorganization, moratorium and other laws affecting creditors' rights
         generally and by general principles of equity (regardless of whether
         such principles are considered in a proceeding at law or in equity).

<PAGE>

         NOTWITHSTANDING ANYTHING SET FORTH HEREIN TO THE CONTRARY, LENDER
HEREBY ACKNOWLEDGES THAT ITS RIGHTS IN AND TO THE COLLATERAL ARE SUBORDINATE TO
SOUTHWEST'S RIGHT IN AND TO THE COLLATERAL IN ACCORDANCE WITH THE TERMS AND
CONDITIONS OF THE SUBORDINATION AGREEMENT.

         4. Covenants of Company. Company hereby covenants and agrees with
Lender that so long as the Obligations are outstanding, Company shall:

                  (a) maintain the Collateral free from any liens, security
          interests or encumbrances, except for the security interest granted
          hereby and any security interest granted in favor of Southwest, and
          defend the Collateral against all claims and demands of all persons at
          any time claiming the same or any interest therein; and

                  (b) promptly execute and deliver all instruments and
         documents, and take all further action, that may be necessary or
         desirable, or that Lender may request in order to perfect and protect
         any security interest granted or purported to be granted hereby or to
         enable Lender to exercise and enforce its rights and remedies hereunder
         with respect to the Collateral.

         5. Events of Default and Remedy. The following occurrences shall
constitute "Events of Default":

                  (a) failure by Company to perform or observe any of the
         material covenants or agreements contained in this Agreement or the
         Guaranty and failure to cure such default within 10 days after Company
         is given notice thereof by Lender;

                  (b) failure by Company to pay when such payment is due (giving
         consideration to applicable grace periods and rights to cure), any
         payment on account of principal or interest pursuant to the Notes; and

                  (c) bankruptcy or insolvency of Company.

Upon the occurrence of an Event of Default, Lender may immediately declare the
principal of and the interest on the Notes to be due and payable, and whether or
not the Notes is declared due and payable, have, subject to the terms and
conditions of the Subordination Agreement, the right to take immediate
possession of the Collateral. If the value of the Collateral as of the date of
such Event of Default is less then the amount of the principal and interest
accrued thereon as of the date of such Event of Default, Lender, in accordance
with applicable law, shall have the right to deduct such deficiency from amounts
otherwise due Company from Lender, if any, until such deficiency has been cured.

         6. Applicable Law/Severability. It is the intention of the parties
hereto that this Agreement is entered into pursuant to the provisions of the
Uniform Commercial Code as it is in force in the State of Missouri (the "Code").
Any applicable provisions of the Code not

                                       -2-

<PAGE>

specifically included herein shall be deemed a part of this Agreement in the
same manner as if set forth herein; and any provisions of this Agreement that
might in any manner be in conflict with any provision of the Code shall be
deemed to be modified so as not to be inconsistent with the Code and to that
extent the provisions hereof shall be severable and the invalidity of one shall
not invalidate another. In all respects this Agreement and all transactions,
assignments and transfers hereunder, and all the rights of the parties shall be
governed as to the validity, construction, enforcement and in all other respects
by the laws of the State of Missouri, without regard to such state's conflicts
of laws principles. To the extent any provision of this Agreement is not
enforceable under applicable law, such provision shall be deemed null and void
and shall have no effect on the remaining portions of this Agreement.

          7. Duration. This Agreement shall continue in full force and effect
until Company shall pay, cause to be paid or otherwise satisfy all of its
monetary obligations under the Notes. Upon termination or cancellation of the
lien created and existing hereunder, Lender shall execute and record any and all
necessary or appropriate releases or documentation to evidence such termination
or cancellation.

         8. Waiver and Amendment. Lender shall not by any act, delay, omission
or otherwise be deemed to have waived any of its rights or remedies hereunder
and no waiver whatsoever shall be valid unless in writing signed by Lender. A
waiver by Lender of any right or remedy hereunder on any one occasion shall not
bar Lender from asserting any right or remedy on any future occasion. No
executory agreement, unless in writing and signed by Lender, and no course of
dealing between Lender and Company shall be effective to change or modify or to
discharge in whole or in part this Agreement.

         9. Notices. Any notice required by this Agreement shall be deemed
sufficient if it is in writing and delivered personally or by certified mail,
return receipt requested, addressed to Lender at its principal office and to
Company or its legal representatives at the address written below Company's
signature hereto or to such other addresses as they may designate by giving
notice pursuant to this Section 9.

         10. Cumulative Remedies. All rights, remedies and powers granted to
Lender herein or in any other agreement given by Company to Lender in connection
with the Notes and the Guarantee shall be cumulative and may be exercised singly
or concurrently.

         11. Successors and Assigns. This Agreement shall be binding upon and
inure to the benefit of Company and Lender and their respective successors and
assigns.

                                      -3-

<PAGE>

         IN WITNESS WHEREOF, the undersigned have executed this Security
Agreement as of the day and year first above written.

LENDER                                     COMPANY

      /s/ SANFORD W. WEISS                 By:  /s/ PETER EDISON
--------------------------------              ----------------------------------
Sanford W. Weiss                               Peter Edison
                                               President

                                           Address:
                                                      --------------------------

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

                                      -4-
<PAGE>

                                   SCHEDULE 5

                                PERSONAL GUARANTY

                                  SEE ATTACHED

<PAGE>

                       LIMITED PERSONAL GUARANTY AGREEMENT

                                 Peter A. Edison

          THIS LIMITED PERSONAL GUARANTY AGREEMENT (this "Guaranty") is given as
of October 31, 1997, by PETER A. EDISON, an individual residing at [home
address], ("Guarantor"), in favor of SANFORD W. WEISS ("Lender"), as agent for
those individuals set forth on Exhibit A hereto.

          A. Lender has accepted Weiss and Neuman Shoe Co.'s (the "Borrower")
Secured Promissory Note in the principal amount of $1,000,000.00 and Company's
Secured Promissory Note in a principal amount to be determined, both dated as of
the date hereof (collectively, the "Notes").

          B. For the purpose of inducing Lender to extend credit to Borrower,
Guarantor agrees to guarantee the prompt payment of the Notes to Lender in
accordance with the terms and conditions hereinafter set forth.

          NOW, THEREFORE, for value received, and in consideration of the
financial accommodations given or to be given or continued to Borrower by
Lender, and for other good and valuable consideration to Guarantor, the receipt
and sufficiency of which is hereby acknowledged:

          1. Guarantor hereby guarantees to Lender the prompt payment when due,
whether by acceleration or otherwise, and at all times thereafter, of any and
all indebtedness and obligations of Borrower to Lender pursuant to the terms and
conditions of the Notes, including extensions, renewals or refundings thereof
(each a "Liability" and collectively the "Liabilities"). "Liabilities" or a
"Liability" shall also include reasonable expenses, including reasonable
attorneys' fees, incurred by Lender in the efforts to collect any Liability or
to enforce the undertakings of Guarantor hereunder. Whenever any such
Liabilities shall become due and remain unpaid, Guarantor will, on demand make
prompt payment of the amount due thereon; provided, however, that while the
amount of the Liabilities that may be incurred by the Borrower is not limited,
the liability of Guarantor to Lender hereunder shall not exceed $100,000.00.

          2. Demand may be made upon Guarantor for the enforcement of this
Guaranty only after such demand for payment has been made to Borrower and the
maturity of the Liabilities has been accelerated. Any action taken by Lender
against Borrower, including foreclosure of any security held by Lender, shall in
no event be considered a waiver or diminishment of any rights against Guarantor
under this Guaranty. It is agreed that a compromise and settlement of any
Liability shall, in no sense, compromise or settle Guarantor's liability
hereunder.

          3. Guarantor does hereby waive presentment of any instrument, demand
for payment, protest and notice of dishonor or nonpayment and Guarantor waives
all rights arising out of any statute now existing or hereafter enacted with
respect to guaranty or suretyship and which may otherwise require Lender at any
time to take legal action against Borrower. Guarantor does

<PAGE>

hereby waive notice of the acceptance of this Guaranty and notice of any
Liability contracted or incurred by Borrower.

          4. Lender may, from time to time, without the consent of or notice to
Guarantor, change the manner, interest rate, place or terms of payment, and
change or extend the time of payment of, refund, increase, decrease, renew or
alter in any manner any Liability or security therefor, and may, from time to
time, at its own discretion, without the consent of or notice to Guarantor,
exchange, release, surrender, realize upon or otherwise deal with in any manner
and in any order, any collateral pledged or mortgaged to secure any Liability,
without in any way affecting Guarantor's obligation hereunder.

          5. The obligations of Guarantor hereunder shall apply to all
Liabilities, including Liabilities arising on or prior to notice in writing from
Guarantor that Guarantor will not be responsible for any further Liabilities or
notice from a Guarantor's personal representative that such Guarantor has died
or been adjudicated incompetent. Any such notice, to be effective, must be
actually received by Lender. Notwithstanding the giving of such notice, the
obligations of Guarantor shall continue in full force and effect as to all
Liabilities then existing including those contingent, unliquidated or not yet
accrued and to any Liabilities thereafter arising, to the extent that Lender may
be bound or permitted by contract or otherwise to create or permit the creation
of additional Liabilities including those which may or might have been
contingent, unliquidated or not yet accrued Liabilities at the time such notice
is given. Termination or revocation of this Guaranty by notice or by operation
of law shall affect only the obligations of the guarantor for or on behalf of
whom such notice is given or as to whom such event occur, the obligations of the
other Guarantors, if any, to continue unabated.

          6. Lender may release any other surety, guarantor or Borrower or any
collateral or security pledged by any guarantor or surety without affecting the
liability hereunder of any guarantor not released by Lender in writing. This
Guaranty shall be binding upon Guarantor and upon Guarantor's heirs, executors,
personal representatives, administrators, legal representatives, successors and
assigns and shall likewise be enforceable against any trusts created by
Guarantor and shall inure to the benefit of Lender, its successors and assigns.

         7. Guarantor agrees that this Guaranty, and all obligations hereunder
shall remain in full force and effect at all times hereinafter during the term
hereof, notwithstanding any action or undertakings by, or against, Lender, or
concerning any collateral securing the Liabilities in any proceeding under any
bankruptcy law; including without limitation, matters relating to valuation of
collateral, election or imposition of secured or unsecured claim status upon
claims by Lender, pursuant to the Bankruptcy Code, or Rules of Bankruptcy
Procedure as may be applicable from time to time. Guarantor understands and
agrees that in the event any payment made by or on behalf of Borrower respecting
any Liability or any portion of any such payment shall at any time be repaid by
Lender in compliance with an order (whether or not final) by a court of
competent jurisdiction pursuant to any provision of any bankruptcy law as now
existing or hereafter amended or applicable state law, the Liabilities shall not
be deemed to have been paid to the extent of the repayment so made, the
obligations of Guarantor shall continue in full

                                      -2-
<PAGE>

force and effect and Lender will continue to be entitled to the full benefits of
this Guaranty notwithstanding any release, termination or return of this
Guaranty. If acceleration of the time for payment of any amount payable by
Borrower to Lender is stayed upon the insolvency, bankruptcy or reorganization
of such Borrower, all such amounts otherwise subject to acceleration under the
terms of the Liabilities shall nonetheless be payable be Guarantor hereunder
forthwith on demand by Lender.

          8. This Guaranty and the rights and obligations of Lender and
Guarantor hereunder shall be governed and construed in accordance with the laws
of the State of Missouri, without regard to such state's conflicts of law
principles.

          IN WITNESS WHEREOF, this instrument has been duly executed by
Guarantor as of the date first set forth above.

                                        GUARANTOR:

                                        /s/ PETER A. EDISON
                                        ---------------------------------------
                                        Peter A. Edison

STATE OF MISSOURI  )
                   ) SS
CITY OF ST. LOUIS  )

Before me, the undersigned, a Notary Public in and for the county aforesaid, on
this 23rd day of October, 1997, personally appeared Peter A. Edison to me known
personally, and did state upon his oath that he executed the foregoing
instrument as his free act and deed.

                                        /s/ TERRI L. BRANSON
                                        ---------------------------------------
                                        Notary Public

                              Terri L. Branson
                         Notary Public - Notary Seal
My commission expires:        State of Missouri
                      -------------------------------
                              St. Louis County
                           My Commission Exp. 03/01/2001

                                      -3-<PAGE>
                                                                   EXHIBIT 10.12

                     WAREHOUSING SERVICE AGREEMENT

         THIS WAREHOUSING SERVICE AGREEMENT made this 28th day of April, 2000 by
and between Brown Shoe Company, Inc., a New York corporation with its principal
place of business at 8300 Maryland Avenue, St. Louis, Missouri 63105, ("Brown
Shoe"), and Weiss & Neuman Stores Company, a Missouri corporation with its
principal place of business at 2815 Scott Avenue, St. Louis, Missouri 63103
("Weiss & Neuman").

         WHEREAS, Weiss & Neuman is engaged in the business of selling footwear
and accessories (and using supplies in its stores) (collectively, the
"Merchandise") to consumers through a chain of retail shoe stores; and

         WHEREAS, as a part of this operation, Weiss & Neuman requires the use
of a warehouse into which its Merchandise may be received from its
manufacturers, distributors and other locations or agents, in which its
Merchandise may be held in inventory and out of which its Merchandise may be
shipped by it to its various retail stores (the "Warehouse Services");

         WHEREAS, Weiss & Neuman desires to contract with Brown Shoe for the
performance by Brown shoe of the Warehouse Services; and

         WHEREAS, Brown Shoe desires to contract with Weiss & Neuman for the
performance by it of the Warehouse Services.

         NOW, THEREFORE, in consideration of these premises and the mutual
covenants and agreements hereinafter set forth, the parties hereto agree as
follows:

         Section 1. Brown Shoe shall provide to Weiss & Neuman the Warehouse
Services upon the terms and conditions contained in this Agreement. The
Warehouse Services shall be made up of tasks and activities, whereby Brown Shoe
on behalf of Weiss & Neuman shall receive,

<PAGE>

warehouse, pick, pack and give to carriers for shipment the Merchandise. Exhibit
A attached hereto entitled Performance Standards is hereby made a part of this
Agreement. The Warehouse Services shall be performed at Brown Shoe's Sikeston,
Missouri warehouse (the "Warehouse"). A separate and discrete 57,887 square feet
of this Warehouse shall be made available for use in storing the Merchandise as
shown on Exhibit B attached hereto. In August, 2000 and February, 2001 and in
each August and February thereafter during the life of this Agreement, the
parties shall evaluate the need for additional or less space in order for Brown
Shoe to adequately provide the Warehouse Services. At these times the parties
shall discuss the amount of additional or less space needed and the amount of
additional or less costs associated therewith. Beginning on September 1st and on
March 1st adjustments to the monthly amount of Fixed Costs to be paid to Brown
Shoe shall be made if required and as agreed upon by the parties. Brown Shoe
shall use its best efforts to accommodate Weiss & Neuman in regard to additional
space if needed, subject to its own current and future needs.

         Section 2. Weiss & Neuman shall pay Brown Shoe the following at the
times indicated for the Warehouse Services:

                 (a) Start-Up Costs: The parties estimate that Brown Shoe's
costs and expenses will be approximately $85,000 in preparing to perform the
Warehouse Services. Weiss & Neuman shall pay Brown Shoe the total of these costs
and expenses which may be more or less than the estimated amount of $85,000.
Brown Shoe shall first obtain the approval of Weiss & Neuman if the total amount
is to be in excess of $85,000. These costs and expenses shall include, but are
not limited to, the procurement of various conveyor equipment and electrical
equipment, building preparation, two new dock doors, any and all direct costs
and expenses to Brown Shoe for all third party services and materials, and Brown
Shoe's internal labor and other costs. Brown

                                        2
<PAGE>

Shoe shall provide Weiss & Neuman with copies of invoices and statements in
support of these Start-Up Costs. Payment of Start-Up Costs from time to time
shall be made by Weiss & Neuman to Brown Shoe within thirty (30) days after
receipt by Weiss & Neuman of a Brown Shoe invoice.

                 (b) Fixed Costs: $*** monthly to cover all of Brown Shoe's
fixed costs in operating and maintaining the Warehouse and the equipment. These
costs include prorated building, building repairs and maintenance, building
insurance, taxes, telephone, utilities and housekeeping/spotter needed for
performance of the Warehouse Services. The Fixed Costs amount shall be adjusted
on May 1, 2001 and on each May 1st thereafter by increasing the then current
amount by *** percent (***%). A payment of Fixed Costs shall be made on May 1,
2000 and on the first day of each month thereafter during the Initial Term and
during a Renewal Term, if any, as hereinafter defined.

                 (c) Day-To-Day Handling Costs: These costs are payment for
Brown Shoe's day-to-day handling of Merchandise from receipt at the Warehouse
dock through delivery to Weiss & Neuman's carrier at the Warehouse dock. These
costs are Brown Shoe's direct hourly labor costs, including an hourly rate
determined for a non-hourly supervisor, plus ***% for fringe benefits, plus ***%
as profit. These costs will be invoiced by Brown Shoe from time to time, but at
least monthly, to Weiss & Neuman which shall make payment to Brown Shoe within
thirty (30) days of the date of invoice.

                 (d) Direct Costs: These costs are reimbursement to Brown Shoe
for the direct cost to it for shipping cartons, labels, supplies, replacement of
any property purchased by Brown Shoe in preparation of start-up of Warehouse
Services because of loss, damage, destruction or wear and tear, and any other
similar direct costs reasonably incurred by Brown Shoe in providing

[*** Indicates portions of this exhibit that have been omitted and filed
     separately with the Securities and Exchange Commission pursuant to a
     request for confidential treatment.]

                                        3
<PAGE>

the Warehouse Services. These costs shall be invoiced by Brown Shoe from time to
time, and Weiss & Neuman shall make payment to Brown Shoe within thirty (30)
days of the date of invoice. Wherever practical, billings will be made directly
to Weiss & Neuman by the supplier, and Weiss & Neuman will be responsible for
payment to the supplier in accordance with the supplier's terms of payment.

                 (e) Special Tasks Costs: These costs are payment for Brown
Shoe's performance of special tasks requested by Weiss & Neuman, such as shoe
repair, price marking, taking physical inventory and any other special tasks
performed by Brown Shoe at the request of Weiss & Neuman. These costs shall be
based on Brown Shoe's actual base labor rates (including overtime rates where
applicable), plus fringes, plus *** percent (***%) profit for time expended in
performance of special tasks. These costs shall be invoiced by Brown Shoe from
time to time, and Weiss & Neuman shall make payment to Brown Shoe within thirty
(30) days of the date of invoice.

                 (f) Any monies owed to Brown Shoe under this Agreement which
are delinquent in payment shall accrue interest from the date payment was due
until paid at the rate of ten percent (10%) per annum.

         Section 3. This Agreement shall commence upon its execution by both
parties. Brown Shoe shall acquire and install at the Warehouse the required
equipment and hardware and otherwise prepare for the start of performance of the
Warehouse Services. Warehouse Services shall commence on May 1, 2000. This
Agreement thereafter shall remain in effect through April 30, 2003 (the "Initial
Term"). Thereafter, this Agreement shall automatically renew for a continuous
series of one (1) year terms (each term a "Renewal Term") unless either party
shall give written notice to the other party no later than six (6) months prior
to the end of the Initial

[*** Indicates portions of this exhibit that have been omitted and filed
     separately with the Securities and Exchange Commission pursuant to a
     request for confidential treatment.]

                                        4
<PAGE>

Term or any Renewal Term of its wish for this Agreement to terminate at the end
of the Initial Term or any Renewal Term.

         Section 4. Weiss & Neuman, at its cost, may perform physical
inventories at the Warehouse. Brown Shoe shall have no liability to Weiss &
Neuman for shrinkage of Merchandise other than that proven to have been
misappropriated from inside the Warehouse by employees or agents employed by
Brown Shoe or by other individuals outside of Brown Shoe's organization due to a
lack of security on the part of Brown Shoe to prevent misappropriation, but only
in cases where the security in place at the time of the misappropriation was
less than the usual level of security inside the Warehouse.

         Section 5. Neither Brown Shoe nor any of its directors, officers,
employees, servants, agents, successors or assigns (the "Brown Shoe Aggregate")
shall have any liability, duty or obligation whatsoever or owe any defense,
indemnification, hold harmless or contribution whatsoever to Weiss & Neuman or
to any other person or entity for or on account of any costs, expenses, losses,
claims, debts, obligations, demands, damages, liabilities, business
interruption, lost profits, or revenue, indirect, special, incidental or
consequential losses or damages, contingent liabilities, causes of action, suits
(including attorneys' fees and expenses) in connection with any accident,
illness, injury to or death of any person and/or damage to or loss or
destruction of any property, tangible or intangible, including the property of
Weiss & Neuman or of any other party, arising directly or indirectly out of the
Warehouse Services or otherwise out of this Agreement and/or arising directly or
indirectly out of any act or omission of Weiss & Neuman, Brown Shoe or any third
party in connection with the Warehouse Services and/or this Agreement.

         Section 6. Weiss & Neuman does hereby agree to defend, indemnify and
hold harmless the Brown Shoe Aggregate from and against any costs, expenses,
losses, claims, debts,

                                        5
<PAGE>
obligations, demands, damages, liabilities, business interruption, lost profits
or revenue, indirect, special, incidental or consequential losses or damages,
contingent liabilities, causes of action, suits (including attorneys' fees and
expenses), for which they or any one of them may become liable or may incur or
be compelled to pay in connection with any accident, illness, injury to, or
death of any person and/or damage to or loss or destruction of any property,
tangible or intangible, including property of the Brown Shoe Aggregate, of Weiss
& Neuman and of any other party, arising directly or indirectly out of the
Warehouse Services or otherwise out of this Agreement, and/or arising directly
or indirectly out of any act or omission of Weiss & Neuman, Brown Shoe or any
third party in connection with the Warehouse Services and/or this Agreement.

         Section 7. Weiss & Neuman, at its cost, shall maintain in full force
and effect at all times while this Agreement is in effect all risk, personal
property insurance for its property, including the Merchandise, waiving
subrogation. The property insurance shall be for no less than the replacement
cost of Weiss & Neuman's personal property at the Warehouse, with deductibles in
amounts reasonably satisfactory to Brown Shoe and naming as additional insureds
those indemnified in this Agreement. Weiss & Neuman, at its cost, shall also
maintain in full force and effect at all times while this Agreement is in effect
commercial general liability insurance on a per occurrence form, including broad
form coverage for contractual liability, property damage, and personal injury
liability (including bodily injury and death), waiving subrogation, with minimum
limits of no less than one million dollars (US $1,000,000.00) per occurrence,
with deductibles in amounts reasonably satisfactory to Brown Shoe, and naming as
additional insureds those indemnified in this Agreement. Weiss & Neuman, at its
cost, shall also maintain in full force and effect at all times while this
Agreement is in effect workers' compensation coverage covering all of Weiss &
Neuman employees who perform work or services under this Agreement, subject to

                                        6
<PAGE>

statutory limits and employer's liability coverage with a minimum limit of
$500,000, waiving subrogation. All insurance shall be primary and not
contributory. Weiss & Neuman shall deliver to Brown Shoe certificates of
insurance evidencing satisfactory coverages and indicating that Brown Shoe shall
receive thirty (30) days unrestricted prior written notice of cancellation,
non-renewal or of any material change in coverages. Weiss & Neuman's insurance
shall be carried by an insurer or insurers with a BEST Guide rating of B+ VII or
better. Compliance herewith in no way limits Weiss & Neuman's indemnity
obligations, except to the extent that Weiss & Neuman's insurance companies
actually pay amounts which Weiss & Neuman would otherwise pay. Weiss & Neuman's
insurance policies may be subject to reasonable deductibles.

         Section 8. No failure, omission, lack, delay, default or breach by the
Brown Shoe Aggregate in the performance of any act, duty or obligation under
this Agreement ("Nonperformance") caused by or attributable to any action,
omission, reason, cause, event, circumstance, occurrence, contingency or force
majeure actually or practicably beyond its reasonable control or the reasonable
control of its vendors, suppliers or other third parties who are necessary to
performance under this Agreement, whether foreseeable or unforeseeable,
("Nonperformance Rationale") shall be deemed a default or a breach by the Brown
Shoe Aggregate under this Agreement or shall act or be allowed to penalize or
make liable for damages the Brown Shoe Aggregate or entitle Weiss & Neuman to
any form of monetary relief in any manner under this Agreement, with the
exception of the payment to Brown Shoe of Fixed Costs pursuant to Section 2(b)
above, the payment of which shall be suspended during the period of any
Nonperformance by Nonperformance Rationale. Nonperformance Rationale for
Nonperformance shall include, but shall not be limited to acts of God,
accidents, war, riot, insurrection, rebellion, sabotage, acts of the public
enemy, strikes, lockouts, labor disturbances, vandalism, fires,

                                        7
<PAGE>

explosions, epidemics, quarantines, embargoes, quotas, boycotts, excessive
duties, unusual or excessive restraints affecting importing or exporting or
shipping or credit, nonarrival or delay of carriers, floods, storms,
earthquakes, natural disasters, short or reduced supply or excessive cost of
suitable raw materials, failure or interruption of transportation or power or
production facilities, assertion of infringement claims, any order or decree or
law or regulation or restriction of any court or government or governmental
agency or officer, or any other similar causes. In the case of Nonperformance by
Nonperformance Rationale, the time for performance under this Agreement shall be
suspended for a term equal to the duration of the Nonperformance Rationale.

         Section 9. (a) Ownership of and title to the following items procured
by Brown Shoe through the use of Start-Up Costs or through other Costs under
this Agreement shall reside in Weiss & Neuman at all times. If no monies are
owing to Brown Shoe under this Agreement, by giving written notice to Brown Shoe
within thirty (30) days following the completion of the Term or any earlier
termination of this Agreement, Weiss & Neuman shall have the right to obtain
possession of all or any of these items free and clear of any lien or security
interest of Brown Shoe or any of Brown Shoe's creditors. These items shall be
available to Weiss & Neuman on an "as is, where is" basis with all faults,
defects, wear and tear and damage. Weiss & Neuman shall be responsible for all
costs associated with the dismantling, crating, shipping and other items of
handling and shall pay Brown Shoe for any such costs incurred or expended by
Brown Shoe within thirty (30) days of the date of invoice. Any of these items
not so designated by Weiss & Neuman for shipment to it according to the above
shall be deemed abandoned by it and ownership and title to such items shall then
reside in Brown Shoe. These items consist of the following:

                             (i) One (1) Pushbutton

                                        8
<PAGE>
                           (ii)   Two (2) Color Printers for Pick Sheets

                           (iii)  Twelve (12) 10' Sections of Powered Zero
                                  Pressure

                           (iv)   Three (3) 10' Sections of Elevated Powered
                                  Belt

                           (v)    Sixteen (16) 10' Sections of Gravity Conveyor

                           (vi)   Ten (10) 10' Sections of Skatewheel Conveyor

                           (vii)  Three (3) Unpowered 60 Deg Curve/Spur

                           (viii) Two (2) Case Counters - Inbnd/Outbnd

                       (b) Ownership of and title to the following items
procured by Brown Shoe through the use of Start-Up Costs or other Costs under
this Agreement shall reside in Brown Shoe at all times. Under no circumstances
or conditions shall Weiss & Neuman be deemed to be the owner of, have title to
or have the right to possession of all or any of these items. These items
consist of the following:

                           (i)   Six (6) Motor Starters, Fuses, etc.

                           (ii)  Seven (7) Photo Eyes

                           (iii) Three (3) Electro-Mech Relays

                           (iv)  Two (2) Dock Doors/Tracks

                           (v)   Any items not specifically listed in this
                                 Section 9

         Section 10. (a) Brown Shoe shall have the right to terminate this
Agreement and the rights of Weiss & Neuman hereunder forthwith by notice in
writing to Weiss & Neuman, in accordance with the provisions of Section 1l
below, if any payment hereunder is in arrears and Weiss & Neuman fails to pay
the same within thirty (30) days after written notice from Brown Shoe calling
upon Weiss & Neuman to pay the same.

                                        9
<PAGE>

                      (b) Brown Shoe shall have the right to terminate this
Agreement and the rights of Weiss & Neuman hereunder upon six (6) months written
notice to Weiss & Neuman in any case where Brown Shoe for any reason intends to
cease its operations in the Warehouse within ninety (90) days after the end of
the said six (6) month notice period.

                      (c) Weiss & Neuman shall have the right to terminate this
Agreement at any time upon ninety (90) days' notice to Brown Shoe if at any time
Weiss & Neuman shall pay Day-To-Day Handling Costs for any calendar month which
in total are in excess of an average of $*** per unit of Merchandise for each
unit of Merchandise received by Brown Shoe at its Warehouse dock through its
delivery to Weiss & Neuman's carrier at the Warehouse dock.

                      (d) Weiss & Neuman or Brown Shoe, as may be applicable,
shall have the right to terminate this Agreement if either party shall cause or
permit any material breach of this Agreement and such party shall fail to remedy
or cure such material breach within sixty (60) days after written notice from
the other party demanding remedy or cure of the same (such notice giving
adequate particulars of the alleged material breach and of the intention of such
party to terminate this Agreement under this subsection) unless such material
breach is cured or remedied in a manner reasonably required by such party within
such sixty (60) days, or if the material breach is one which requires more than
sixty (60) days to cure, the curing has commenced within such sixty (60) days
and thereafter is being diligently pursued.

                      (e) In the event of termination of this Agreement for any
reason or cause, Weiss & Neuman shall pay Brown Shoe on or prior to the date of
termination all amounts then invoiced by and owing to Brown Shoe by Weiss &
Neuman under this Agreement. Following termination of this Agreement for any
reason or cause, Brown Shoe may submit invoices to Weiss & Neuman from time to
time until all amounts owing to Brown Shoe under this

[*** Indicates portions of this exhibit that have been omitted and filed
     separately with the Securities and Exchange Commission pursuant to a
     request for confidential treatment.]

                                       10
<PAGE>

Agreement shall have been invoiced and paid and as to such invoices Weiss &
Neuman shall make payment to Brown Shoe within thirty (30) days of the date of
invoice.

                      (f) Any termination of this Agreement shall be without
prejudice to the rights of either party against the other which may have accrued
under this Agreement.

         Section 11. All notices, demands, consents, requests, instructions,
approvals and other communications required or permitted by this Agreement shall
be in writing and shall be given by personal delivery or by mailing the same,
certified mail, return receipt requested, postage prepaid, as designated below,
or a party may hereafter by notice given as herein provided designate a
different address to which written notice to that party may be given:

                            Brown Shoe Company, Inc.
                              8300 Maryland Avenue
                            St. Louis, Missouri 63105
                           ATTENTION: Robert D. Gibbs
                          Vice President, Distribution
                           Brown Shoe Company Division

                          Weiss & Neuman Stores Company
                                2815 Scott Avenue
                            St. Louis, Missouri 63103
                 ATTENTION: Charlie Kantz, Director of Logistics
                               and Transportation

Any notice personally delivered or mailed by one of the parties shall be deemed
given, and shall be effective for all purposes, upon personal delivery or two
days after deposit in the mail, if properly addressed and postage has been
prepaid.

         Section 12. (a) This Agreement shall be executed in counterparts, and
each counterpart shall be deemed to be an original. This Agreement shall become
effective when

                                       11
<PAGE>

counterparts have been executed by and delivered to the parties hereto.

                      (b) Neither party to this Agreement shall assign or
transfer this Agreement, its rights, claims, interests, or monies due or to
become due hereunder, without the prior written approval of the other party. No
assignment shall relieve the assignor of its duties and obligations under this
Agreement.

                      (c) This Agreement embodies all understanding between the
parties hereto with respect to the subject matter hereof. Any promises,
agreements, representations or obligations which may have been previously made
or undertaken by any of the parties and not set out herein are canceled and
shall be of no further force or effect, and this Agreement shall not be amended
or modified in any way, except by a written instrument executed by the parties
hereto.

                      (d) No forbearance by any party to require performance of
any provision of this Agreement shall waive such provision or the right
thereafter to enforce it. No waiver of any breach or default shall waive any
subsequent breach or default, or the provision or provisions breached or with
respect of which default occurred. No waiver of any kind shall be effective or
binding unless it is in writing and is signed by the party claimed to have
given, consented to, or suffered it.

                      (e) If any term or other provision of this Agreement is
invalid, illegal or incapable of being enforced by any rule of law or public
policy, all other conditions and provisions of this Agreement shall nevertheless
remain in full force and effect, and this Agreement shall be construed as if
such invalid or illegal term or provision or term or provision incapable of
being enforced had not been inserted herein.

                      (f) The validity, construction, and performance and effect
of this Agreement shall be governed by and construed under and in accordance
with the laws of the State

                                       12
<PAGE>

of Missouri, without regard to conflict of law provisions, insofar as is legally
possible, regardless of the place of execution or performance, and the parties
hereby consent to the jurisdiction of the Courts of Missouri.

                      (g) This Agreement shall survive the Closing and shall be
binding upon and shall inure to the benefit of the parties hereto and their
respective successors and permitted assigns.

                      (h) Either party to this Agreement who prevails against
the other party to this Agreement through court judgment, arbitration award or
similar enforcement action shall be paid by such party, and such party shall be
liable to pay, any and all costs and expenses, including, but not limited to,
reasonable attorneys' fees, which may be paid or incurred by said party in
enforcement of its rights under this Agreement against such party or in
enforcement of the performance of the obligations of such party.

                      (i) Nothing in this Agreement shall be deemed or construed
to constitute the parties a joint venture, partnership, association,
unincorporated business, principal and agent, employer and employee, or other
separate or similar entity.

                      (j) Neither party to this Agreement shall release
confidential information to third parties concerning this Agreement and the
business of the other except to the extent such release may be required by law.
Confidential information shall be deemed to be information the confidentiality
of which is material to the success of either party's business other than
information which is, or becomes, through no fault of the other party from the
date of this Agreement forward, published or otherwise available to the public.
In the event either party shall become required to disclose confidential
information, such party agrees to first notify the other

                                       13
<PAGE>

party, where feasible, so as to permit such party the opportunity in which to
oppose the disclosure.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the date first written above.

WEISS & NEUMAN STORES COMPANY             BROWN SHOE COMPANY, INC.

By:  /s/ Stanley K. Tusman                By:  /s/ R. E. Stadler, Jr.
   --------------------------------            --------------------------------
Title: EVP                                Title: Vice President

                                       14
<PAGE>

                                                                       EXHIBIT A

                                   PERFORMANCE
                                    STANDARDS

Brown Shoe shall perform the function of picking and packing the Merchandise for
Weiss & Neuman. The standards of picking and packing will be as follows:

1.   Weiss & Neuman will provide Brown Shoe with a listing of stores and the
     day(s) that the stores are to be shipped.

2.   Brown Shoe will pick, pack and ship all allocations that are available
     within two (2) working days of receipt of allocation.

3.   As to holidays and days that Brown Shoe is closed, all stores that would
     have been shipped for that day will be shipped the following work day,
     along with all other stores for that day.

[Exhibit B, diagram of space available in warehouse, omitted. The Registrant
undertakes to furnish supplementally a copy of such diagram to the Commission
upon request.]

                                       15

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