Document:

Exhibit 4.4(b)

                            WHITE RIVER CAPITAL, INC.

                                  SECURED NOTE

$15,000,000.00                                        ____________________, 2005

     FOR VALUE RECEIVED,  White River Capital, Inc., an Indiana corporation (the
"Company"),  promises  to pay to the order of Richard M. DeVos  Charitable  Lead
Annuity  Trust No. 2  ("Holder")  of 126 Ottawa NW,  Suite  500,  Grand  Rapids,
Michigan 49503,  the sum of Fifteen Million and 00/100 Dollars  ($15,000,000.00)
together  with  interest at the rate of 10.75% per annum or at the Default Rate,
as hereinafter defined,  (computed in either case on the basis of a 360-day year
of twelve 30-day months) payable as follows:

          (i) Interest shall be payable in arrears quarterly on the first day of
     each July,  October,  January  and April  beginning  on July 1, 2005 and at
     maturity.

          (ii) Principal shall be payable in sixteen (16) quarterly installments
     of  $937,500.00,  commencing  July 1,  2006,  and  continuing  on the first
     business day of each of the 15 calendar quarters  thereafter with the final
     payment of principal and accrued interest due and payable April 1, 2010. In
     any event,  all principal and accrued  interest  hereunder shall be due and
     payable April 1, 2010.

All  payments  of  interest  and  principal  shall be made by wire  transfer  of
immediately available funds to the account specified from time to time by Holder
to Company.

     2. Guaranty and Pledge. This Note is secured by (i) a pledge of 100% of the
ownership interests in Coastal Credit, LLC, a Virginia limited liability company
("Coastal"),  pursuant to a Pledge Agreement, dated the date hereof, between the
Company and the Holder and (ii) by the Subordinated  Guaranty of Coastal,  dated
the date hereof.

     3.  Redemption.  This Note may be tendered for  redemption by Holder at its
face value plus accrued  interest and plus the Prepayment  Premium as defined in
Paragraph 4, below, on fifteen (15) days' notice,  with such redemption to occur
at any time after or  simultaneously  in  connection  with (i) a sale of all, or
substantially  all of the  Company's  assets or (ii) a transfer of (A) more than
fifty  percent  (50%) of the  Company's  outstanding  voting stock through sale,
merger or  consolidation,  (these  events,  each,  individually,  a  "Change  of
Control").

     4. Optional Prepayment.  The Company may prepay this Note at any time after
the date two years after the original issue date of the Note in whole or ratably
in part, at a price equal to 100% of the principal  amount being so prepaid plus
(i) accrued and unpaid  interest  on such  amount to and  including  the date of
prepayment,  and  (ii) the  Prepayment  Premium,  if any,  with  respect  to the
principal amount so prepaid; provided,  however, that any such prepayment shall,
in the event  less

<PAGE>

than all outstanding principal is being prepaid, be in a principal amount of not
less than $100,000. "Prepayment Premium" shall mean the following:

          (i) 2% of the principal  amount prepaid if such  prepayment is made on
     or after July 1, 2007 but before July 1, 2008;

          (ii) 1% of the principal  amount prepaid if such prepayment is made on
     or after July 1, 2008 but before July 1, 2009; or

          (iii) 0% of the principal amount prepaid if such prepayment is made on
     or after July 1, 2009 but before April 1, 2010.

     5. Default and  Remedies.  An "Event of Default'  shall exist if any of the
following conditions or events shall occur and be continuing:

          (i) Payment  Default.  The  Company  shall fail to make any payment of
     principal  or  interest  on this  Note on the  date  due and  such  failure
     continues for a period of fifteen (15) days.

          (ii) Covenant  Breach.  The Company shall fail duly and  punctually to
     perform or observe any other  obligation set forth in this Agreement or any
     Collateral  Document  and such  default  shall not have been  corrected  or
     waived within 30 days after any executive  officer has knowledge thereof or
     the Company receives notice thereof from the Holder; or

          (iii)  Misrepresentations.  Any representation or warranty made by the
     Company in the Note Purchase Agreement or in the Pledge Agreement proves to
     have  been  false on the  Closing  date  hereof in any  respect  that has a
     Material  Adverse  Effect on the  Company and its  subsidiaries  (including
     Coastal) taken as a whole.

          (iv)  Cross-Default.  An  event  of  default  under  a  Material  Debt
     Agreement  shall occur and the effect of any such event is to cause,  or to
     permit the holder or holders of debt under such Material Debt  Agreement to
     declare  an  aggregate  amount  exceeding  $250,000  to be due prior to its
     stated  maturity and such event of default shall not have been cured within
     any applicable period of grace;

          (v) Unsatisfied  Judgment.  The Company or Coastal  Credit,  LLC shall
     fail to satisfy,  bond or stay the execution by appropriate  proceedings of
     any judgment rendered against it in excess of $250,000; or

          (vi) Voluntary  Bankruptcy.  The Company or any subsidiary,  including
     Coastal  Credit,  LLC,  shall file a voluntary  petition in bankruptcy or a
     voluntary   petition  or  answer   seeking   liquidation,   reorganization,
     arrangement,  readjustment  of its debts, or for any other relief under the
     United  States  Bankruptcy  Code  ("Bankruptcy  Code"),  or under any other
     applicable   liquidation,    conservatorship,    bankruptcy,    moratorium,
     rearrangement,  receivership,  insolvency, reorganization or similar debtor
     relief laws affecting the rights of creditors  generally (together with the
     Bankruptcy Code,  collectively  each a "Debtor Relief Law"); or the Company
     or any subsidiary

                                       A-2
<PAGE>

     shall apply for or permit the  appointment by consent or  acquiescence of a
     receiver,  custodian or trustee of Company or any  subsidiary  for all or a
     substantial  part of its property;  or Company or any Subsidiary shall make
     an  assignment  for the  benefit of  creditors.  The  pendency  of, and any
     developments in, UAC's Case shall not constitute an Event of Default.

          (vii)  Involuntary  Bankruptcy.  There  shall have been filed  against
     Company or any subsidiary,  including  Coastal Credit,  LLC, an involuntary
     petition in bankruptcy or seeking liquidation, reorganization, arrangement,
     readjustment of its debts or for any other relief under the Bankruptcy Code
     or any other Debtor  Relief Law that is not  dismissed or stayed  within 60
     days;  Company or any  subsidiary  shall  suffer or permit the  involuntary
     appointment  of  a  receiver,  custodian  or  trustee  of  Company  or  any
     subsidiary or for all or a substantial part of its property;  or Company or
     any  subsidiary  shall  suffer  or permit  the  issuance  of a  warrant  of
     attachment,  execution or similar  process  against all or any  substantial
     part of the property of Company or any Subsidiary. The pendency of, and any
     developments in, UAC's Case shall not constitute an Event of Default.

     6. Remedies.  On the occurrence and during the  continuance of any Event of
Default  subject  only to prior  receipt  by  Holder of  payment  in full of all
Obligations  then  outstanding  Holder shall have all of the rights and remedies
set forth below,  and it may exercise any one or more, or all of such  remedies,
in its sole discretion, without thereby waiving any of the others.

          (a)  Acceleration of the  Obligations.  If the Event of Default arises
     under either Section 5(vi) or 5(vii),  then all of the Obligations shall be
     deemed  immediately  due and  payable;  otherwise,  in respect of any other
     Event of Default, Holder, at its option, may declare all of the Obligations
     to be  immediately  due  and  payable,  whereupon  the  same  shall  become
     immediately due and payable without presentment, demand, protest, notice of
     nonpayment  or any other  notice  required by law,  all of which are hereby
     waived   by   Company,   anything   contained   herein   to  the   contrary
     notwithstanding.  Thereafter,  Holder, at its option, may, but shall not be
     obligated  to, accept less than the entire  amount of  Obligations  due, if
     tendered,  provided,  however,  that  unless  then  agreed to in writing by
     Holder,  no such acceptance shall or shall be deemed to constitute a waiver
     of any Event of Default,  or a  reinstatement  of any commitments of Holder
     hereunder.

          (b) Default  Interest.  (c) Upon the occurrence of an Event of Default
     and during the continuance  thereof,  interest on this Note shall accrue at
     the rate of 13.75% per annum (the "Default Rate").

          (d)  Remedies of a Secured  Party.  Holder  shall  thereupon  have the
     rights and remedies of a secured  party under any and all laws in effect on
     the date  thereof  (regardless  whether  the same has been  enacted  in the
     jurisdiction where the rights or remedies are asserted), including, without
     limitation,  the Uniform Commercial Code as adopted in the State of Indiana
     ("UCC"), and including, without limitation, the right to take possession of
     any of the collateral or the proceeds thereof, to sell or otherwise dispose
     of the same, and to apply the proceeds  therefrom to any of the Obligations
     in such order as Holder,  in its sole discretion,  may elect.  Holder shall
     give Company written notice of the time and place of any public sale of the
     collateral or the time after which any other intended  disposition  thereof
     is to be made. The requirement of sending reasonable notice shall be met if
     such  notice is given to the  Company  at least ten (10) days  before  such
     disposition.

                                       A-3
<PAGE>

     Expenses of retaking, holding, insuring, preserving,  protecting, preparing
     for sale or  selling  or the like  with  respect  to the  collateral  shall
     include,  in any  event,  reasonable  attorneys'  fees  and  other  legally
     recoverable collection expenses, all of which shall constitute Obligations.
     Holder may sell the  collateral  without  giving any  warranties  as to the
     collateral  and may  specifically  disclaim any  warranties of title or the
     like, and in so doing any of the foregoing will not be considered to affect
     adversely the commercial reasonableness of any sale of the collateral.

          (e) Other Remedies. Unless and except to the extent expressly provided
     for to the contrary herein,  the rights of Holder specified herein shall be
     in addition to, and not in limitation of, Holder's rights under the UCC, as
     amended from time to time,  any other statute or rule of law or equity,  or
     under any other provision of any of the Collateral Documents,  or under the
     provisions of any other document,  instrument or other writing  executed by
     Company  or any  third  party  in  favor of  Holder,  all of  which  may be
     exercised successively or concurrently.

          (f) Waivers by Debtor.  Company hereby waives,  to the extent the same
     may be waived under  applicable  law: (a) all claims,  causes of action and
     rights of Company  against  Holder on account of actions taken or not taken
     by Holder in the exercise of Holder's rights or remedies  hereunder,  under
     this Note or any of the Collateral  Documents or under  applicable law; (b)
     all claims of Company for failure of Holder to comply with any  requirement
     of applicable law relating to  enforcement  of Holder's  rights or remedies
     hereunder,  under  this Note or any of the  Collateral  Documents  or under
     applicable  law; (c) in the event  Holder seeks to repossess  any or all of
     the  collateral  by  judicial  proceedings,  any bond(s) or  demand(s)  for
     possession  which otherwise may be necessary or required;  (d) presentment,
     demand for payment,  protest and notice of non-payment  and all exemptions;
     (e) any and all other notices or demands  which by  applicable  law must be
     given to or made upon  Company by Holder;  (f)  settlement,  compromise  or
     release of the  obligations of any person  primarily or secondarily  liable
     upon any of the  Obligations;  (g)  substitution,  impairment,  exchange or
     release of any collateral for any of the  Obligations;  and (h) relief from
     valuation or appraisement laws. Company agrees that Holder may exercise any
     or all  of its  rights  and/or  remedies,  under  this  Note  or any of the
     Collateral  Documents  and under  applicable  law without  resorting to and
     without  regard to any  collateral or sources of liability  with respect to
     any of the Obligations.

     7. Disclaimer.  Holder expressly  acknowledges and agrees that this Note is
not an  obligation  of Union  Acceptance  Corporation  and is not secured by any
asset of Union  Acceptance  Corporation  or any  subsidiary of Union  Acceptance
Corporation.

     8.  Note  Purchase  Agreement;  Definitions.  This Note is issued to Holder
pursuant  to the Note  Purchase  Agreement,  dated  March 9, 2005,  between  the
Company and Richard M. DeVos Charitable Lead Annuity Trust No. 2 ("Note Purchase
Agreement")  which  supplements and governs the terms of this Note.  Capitalized
terms used,  but not defined,  herein,  have the meanings given them in the Note
Purchase Agreement.

                            [signature page follows]

                                       A-4
<PAGE>

     IN WITNESS WHEREOF,  the Company has caused this Note to be executed on its
behalf by its authorized officer on the date first written above.

                                           WHITE RIVER CAPITAL, INC.

                                           By:
                                              ----------------------------------
                                               Mark R. Ruh, President

THIS NOTE HAS NOT BEEN REGUSTERED  UNDER THE SECURITIES ACT OF 1933 OR ANY STATE
SECURITIES  LAWS AND MAY NOT BE  TRANSFERRED  EXCEPT  IN  COMPLIANCE  WITH  SUCH
REGISTRATION REQUIREMENTS OR AN EXEMPTION THEREFROM.

                                       A-5Exhibit 4.4(c)

                              SUBORDINATED GUARANTY

     WHEREAS,  White River Capital,  Inc., an Indiana corporation  ("Maker") has
made and delivered to Richard M. DeVos  Charitable Lead Annuity Trust No. 2 (the
"Creditor")   its  promissory   note  in  the  original   principal   amount  of
$15,000,000.00  (hereinafter,  the "Note") evidencing a loan made by Creditor to
Maker pursuant to that certain Note Purchase  Agreement by and between Maker and
Creditor dated March 9, 2005 (the "Note Purchase Agreement"); and

     WHEREAS,  as a condition of making the loan  pursuant to the Note  Purchase
Agreement and accepting the Note, the Creditor has required that the undersigned
guarantor ("Guarantor") execute and deliver this Guaranty.

     NOW, THEREFORE, the Guarantor hereby agrees with Creditor as follows:

     1. Guarantor hereby guarantees,  absolutely and  unconditionally,  the full
and prompt payment, when due, of all of the obligations of the Maker pursuant to
the Note Purchase  Agreement,  the Note and all other  documents and  agreements
executed by the Maker in connection  therewith  and for all expenses,  including
attorneys'  fees,  incurred  by  Creditor in the  enforcement  of this  Guaranty
(collectively, the "Obligations").

     2. Upon receipt of a written  demand from the Creditor  upon any default in
payment  or  performance  of  any  of  the  Obligations,   the  Guarantor  shall
immediately tender to the Creditor the full amount thereof.

     3. Any payments made to the Creditor hereunder or pursuant hereto shall not
reduce,  eliminate,  or be applied or credited to any separate obligation of the
Guarantor to the Creditor.

     4. The Creditor may demand payment from the  undersigned of any installment
(or portion  thereof)  of  principal  or interest on the Note when due,  and the
undersigned shall immediately pay the same to the Creditor, and the Creditor may
demand payment or performance of any or all of the other Obligations,  when such
payment or  performance is due or required and the Guarantor  shall  immediately
pay or perform the same,  whether or not the  Creditor has (i) declared an Event
of Default under the Note or the Note Purchase  Agreement;  or (ii)  accelerated
payment of the Note, or (iii) commenced  repossession  of, or foreclosure of any
security interest, mortgage or other lien in, any of the collateral securing the
Note, or (iv) otherwise exercised its rights and remedies hereunder or under the
Note, the documents related thereto or applicable law.

     5. Guarantor hereby waives (i) presentment,  demand,  notice of nonpayment,
protest and notice of protest and  dishonor on the  Obligations;  (ii) notice of
acceptance of this Guaranty by the Creditor; and (iii) notice of the creation or
incurrence of the Obligations by Maker.

<PAGE>

         6. The Guarantor authorizes Creditor, without notice or demand and
without affecting its liability hereunder, from time to time:

          (a) to renew, compromise,  extend,  accelerate or otherwise change the
     time for payment,  or otherwise  change the terms,  of the Note,  including
     increase or decrease of the rate of interest thereon;

          (b) to receive and hold  security for the payment of this  Guaranty or
     any of the  Obligations  and exchange,  enforce,  waive,  release,  fail to
     perfect, sell, or otherwise dispose of any such security;

          (c) to apply  such  security  and  direct  the order or manner of sale
     thereof as the Creditor in its sole discretion may determine; and

          (d) to  release  or  substitute  any one or more of any  endorsers  or
     guarantors of the Indebtedness.

     7. Creditor  shall not be required to first resort for payment to any other
guarantor, person, corporation or entity, or their properties or estates, or any
other right or remedy whatsoever, prior to enforcing this Guaranty.

     8.  This  Guaranty  shall  be  construed  as a  continuing,  absolute,  and
unconditional  guaranty  without  regard  to (i)  the  validity,  regularity  or
enforceability of the Obligations or the disaffirmance thereof in any insolvency
or bankruptcy proceeding relating to the Maker, or (ii) any event or any conduct
or  action  of any other  party  which  might  otherwise  constitute  a legal or
equitable discharge of a surety or guarantor but for this provision.

     9. This Guaranty  shall remain in full force and effect and be binding upon
the  undersigned  until the  Obligations are paid and satisfied in full in cash,
and until Creditor has delivered to Guarantor a written release hereof.

     10. Any modification or waiver of Guarantor's obligations hereunder must be
contained in a writing signed by Creditor.

     11.  Guarantor  hereby  waives any right that the  undersigned  may have to
collect or seek to collect from the Maker or any other  guarantor the claim,  if
any, by subrogation or otherwise,  acquired by the Guarantor  through payment of
any  part  or all  of  the  Obligations,  unless  and  until  such  time  as the
Obligations are paid and satisfied in full in cash.

     12. The possession of this  instrument of guaranty by the Creditor shall be
conclusive evidence of due execution and delivery hereof by the Guarantor.

     13.  This  Guaranty  shall  be  binding  upon  the  legal  representatives,
successors and assigns of the undersigned, and shall inure to the benefit of the
Creditor and its successors, assigns and legal representatives.  Notwithstanding
the foregoing the

                                       2
<PAGE>

Guarantor  shall  have no right to assign or  otherwise  transfer  its rights or
obligations  under this  Guaranty to any third party  without the prior  written
consent of the  Creditor;  and that any such  assignment  or transfer  shall not
release or affect  the  liability  of the  undersigned  hereunder  in any manner
whatsoever.

     14.  The  Guarantor  may be joined in any  action or  proceeding  commenced
against  Maker or any  other  guarantor  in  connection  with or based  upon the
Obligations  and recovery may be had against the Guarantor in any such action or
proceeding  or in any  independent  action or  proceeding  against Maker or such
other guarantor  should the Maker fail to duly and punctually  pay,  perform and
discharge  the  Obligations,  without any  requirement  that the Creditor  first
assert,  prosecute or exhaust any remedy or claim against any other guarantor or
third party.

     15. This Guaranty shall be deemed a contract made under and pursuant to the
laws of the State of Indiana and shall be governed  by and  construed  under the
laws of such state; and that, wherever possible, each provision of this Guaranty
shall  be  interpreted  in  such  manner  as to be  effective  and  valid  under
applicable  law, but if any provision of this Guaranty shall be prohibited by or
invalid under  applicable law, such provision  shall be ineffective  only to the
extent of such prohibition or invalidity  without  invalidating the remainder of
such provision or the remaining provisions of the Guaranty.

     16. No failure on the part of the  Creditor  to  exercise,  and no delay in
exercising,  any right or remedy  hereunder  shall  operate as or  constitute  a
waiver thereof;  nor shall any single or partial exercise of any right or remedy
hereunder  preclude any other or further exercise thereof or the exercise of any
other right or remedy granted hereby or by any related document or by law.

     17.  Guarantor  shall  deliver  to the  Creditor,  from time to time,  with
reasonable  promptness,  financial statements of the undersigned as the Creditor
may reasonably request in order to enforce its rights under and pursuant to this
Guaranty.

     18.  Guarantor  hereby  waives any and all claims  against the Creditor and
defenses to performance and payment  hereunder  relating in any way, directly or
indirectly,  to the performance of the Creditor's obligations or exercise of any
of Creditor's rights under the Note, the Note Purchase  Agreement,  or documents
related thereto.

     19. Guarantor represents and warrants to the Creditor as follows:

          (a)  Enforceability.  This Guaranty  constitutes the legal,  valid and
          binding  obligation of the Guarantor,  enforceable in accordance  with
          its terms (subject,  as to  enforceability,  to limitations  resulting
          from bankruptcy,  insolvency or other similar laws affecting Creditor'
          rights generally).

          (b) Litigation.  There is no action, suit or proceeding pending or, to
          the knowledge of the  Guarantor,  threatened  against or affecting the
          Guarantor  which,  if  adversely  determined,  would  have a  material
          adverse effect on

                                       3
<PAGE>

          the condition  (financial or  otherwise),  properties or assets of the
          undersigned  or which would  question the validity of this Guaranty or
          any instrument, document or other agreement related hereto or required
          hereby,  or impair the  ability  of the  undersigned  to  perform  its
          obligations hereunder or thereunder.

          (c) Default.  The Guarantor is not in default of a material  provision
          under any material agreement, instrument, decree or order to which the
          undersigned  is a party or by which property of the Guarantor is bound
          or affected.

          (d) Consents.  No consent,  approval,  order or  authorization  of, or
          registration,   declaration   or  filing  with,   or  notice  to,  any
          governmental  authority  or any third party is required in  connection
          with  the  execution  and  delivery  of  this  Guaranty  or any of the
          agreements or instruments herein mentioned to which the Guarantor is a
          party or the carrying out or  performance  of any of the  transactions
          required  or  contemplated  hereby or thereby  or, if  required,  such
          consent,  approval,  order or authorization  has been obtained or such
          registration,  declaration  or filing  has been  accomplished  or such
          notice has been given prior to the date hereof.

     20.  The  Guarantor  acknowledges  and  agrees  that it shall have the sole
responsibility  for obtaining  from Maker such  information  concerning  Maker's
financial  condition or business  operations as the  Guarantor may require,  and
that  Creditor  has no  duty  at any  time  to  disclose  to the  Guarantor  any
information relating to the business operations or financial condition of Maker.

     21. Notwithstanding anything herein to the contrary, the rights of Creditor
and the  obligations  of Guarantor to Creditor is respect of this Guaranty shall
at all times be  subordinated to the Senior Debt of Guarantor as defined in, and
in the manner and to the extent provided in, the Subordination and Intercreditor
Agreement, dated on or about the date hereof among Creditor, Guarantor and Wells
Fargo Financial  Preferred  Capital,  Inc. (or any then current holder of Senior
Debt).

     22.  Guarantor  acknowledges  and agrees  that  Guarantor  will  indirectly
benefit  by and  from  the  financing  extended  by the  Creditor  to the  Maker
evidenced by the Note;  (ii) the  undersigned  has  received  legal and adequate
consideration  for the execution of this Guaranty and has executed and delivered
this  Guaranty  to the  Creditor  in  good  faith  in  exchange  for  reasonably
equivalent value; (iii) the undersigned is not presently  insolvent and will not
be rendered  insolvent by virtue of the execution and delivery of this Guaranty;
(iv) the  undersigned has not executed or delivered this Guaranty with intent to
hinder,  delay or defraud any creditor of the undersigned;  (v) the Creditor has
agreed to extend  financial  accommodations  to the Maker in reliance  upon this
Guaranty. Time is of the essence of this Guaranty and Guarantor's obligations to
Creditor pursuant hereto.

                                       4
<PAGE>

     23. If, at any time, all or any part of any payment  previously  applied by
the Creditor to any of the Obligations  must be returned by the Creditor for any
reason,  whether  by  court  order,  administrative  order  or  settlement,  the
undersigned  shall remain liable for the full amount  returned as if said amount
had never been received by the Creditor, notwithstanding any termination of this
Guaranty  or  the  cancellation  or  return  of any  notes  or  other  agreement
evidencing the Obligations.

     24. Capitalized terms used, but not defined, herein have the meanings given
them in the Note Purchase Agreement.

     25.  GUARANTOR  WAIVES  ANY  RIGHT TO A TRIAL BY JURY WITH  RESPECT  TO ANY
LITIGATION OR CLAIM BASED ON OR IN CONNECTION WITH THIS GUARANTY.

                                       5
<PAGE>

     IN WITNESS WHEREOF,  the undersigned have hereunto set their hand effective
as of the _______ day of __________, 2005.

                                                  COASTAL CREDIT, LLC

                                                  By:
                                                     ---------------------------
                                                  Its:
                                                      --------------------------

STATE OF                            )
         ---------------------------
                                    ) SS:
COUNTY OF                           )
                  ------------------

     Before me, a Notary  Public in and for said  County  and State,  personally
appeared  ____________________,  known to me to be the  ____________________  of
Coastal Credit, LLC, a Virginia limited liability company,  who acknowledged the
execution of the foregoing document for and on behalf of said company.

     Witness my hand and Notarial Seal this _____ day of ______________, 2005.

                                          --------------------------------------
                                          Notary Public - Signature

                                          --------------------------------------
                                          Notary Public - Printed Name

My County of Residence is:                My Commission Expires:

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

                                       6

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