Document:

EXHIBIT 4.0

 

(FORM OF STOCK CERTIFICATE - FRONT SIDE)

 

	NUMBER	SHARES

	COMMON STOCK

(Par Value $.01 per Share)	A Pennsylvania Corporation	CUSIP _____________

See reverse
for certain definitions

 

This certifies that ___________________________________

 

is the registered holder of ____________________________

 

FULLY PAID AND NON-ASSESSABLE SHARES
OF THE COMMON STOCK, PAR VALUE $.01 PER SHARE, OF

 

Prudential Bancorp, Inc., Philadelphia,
Pennsylvania, a Pennsylvania corporation (the "Corporation"). The shares evidenced by this Certificate are transferable
in person or by a duly authorized attorney or legal representative, upon surrender of this Certificate properly endorsed. This
Certificate and the shares represented hereby are subject to all the provisions of the Articles of Incorporation and Bylaws of
the Corporation and any and all amendments thereto. This Certificate is not valid unless countersigned by the Transfer Agent and
registered by the Registrar.  This security is not a deposit or savings account and is not insured or guaranteed by the Federal
Deposit Insurance Corporation or any other Federal or state governmental agency.

 

IN WITNESS WHEREOF, the Corporation
has caused this Certificate to be executed by the facsimile signatures of its duly authorized officers and has caused its facsimile
seal to be affixed hereto.

 

Dated:

 

	_____________________

Regina Wilson

Corporate Secretary	(SEAL)	_______________________________

Thomas A. Vento

Chairman,
President and Chief Executive Officer

 

 

    	 

    	 

    

(FORM OF STOCK CERTIFICATE - BACK SIDE)

 

The Corporation is authorized
to issue more than one class of stock, including a class of preferred stock which may be issued in one or more series. The Corporation
will furnish to any stockholder, upon written request and without charge, a full statement of the designations, preferences, limitations
and relative rights of the shares of each class authorized to be issued and, with respect to the issuance of any preferred stock
to be issued in series, the relative rights and preferences between the shares of each series so far as the rights and preferences
have been fixed and determined and the authority of the Board of Directors to fix and determine the relative rights and preferences
of subsequent series.

 

The Articles of Incorporation
of the Corporation include a provision which generally prohibits any person (including an individual, company or group acting in
concert) from directly or indirectly offering to acquire or acquiring the beneficial ownership of more than 10% of any class of
equity securities of the Corporation. In the event that stock is acquired in violation of this 10% limitation, the excess shares
will no longer be counted in determining the total number of outstanding shares for purposes of any matter involving stockholder
action and the Board of Directors of the Corporation may cause such excess shares to be transferred to an independent trustee for
sale in the open market or otherwise, with the expenses of such sale to be paid out of the proceeds of the sale.

 

The following abbreviations,
when used in the inscription on the face of this Certificate, shall be construed as though they were written out in full according
to applicable laws or regulations:

 

	TEN COM	  -  	as tenants in common	UNIF GIFT MIN ACT	-	___________ 	Custodian 	____________
	TEN ENT	-	as tenants by the entireties			(Cust)		(Minor)
	JT TEN	-	as joint tenants with right of survivorship and not as tenants in common			under Uniform Gifts to Minors Act
	____________________	
	(State)	

 

Additional abbreviations may also be used though
not in the above list.

 

For value received, _________________________________
hereby sell, assign and transfer unto

 

PLEASE INSERT SOCIAL SECURITY OR OTHER

TAXPAYER IDENTIFYING NUMBER OF ASSIGNEE

	
         

         

 

Please print or typewrite name and address
including postal zip code of assignee

 

 

__________________________ Shares of common
stock represented by this Certificate, and do hereby irrevocably constitute and appoint __________________________ as Attorney,
to transfer the said shares on the books of the within named Corporation, with full power of substitution.

 

Dated ________________________

 

	NOTICE:		THE SIGNATURE(S) TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME(S) AS WRITTEN UPON
THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATSOEVER.

 

	SIGNATURE(S) GUARANTEED:	 
	 	THE SIGNATURE(S) SHOULD BE GUARANTEED
BY AN ELIGIBLE GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP IN AN
APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM), PURSUANT TO S.E.C. RULE 17AD-15.

 

 

KEEP THIS CERTIFICATE IN A SAFE PLACE. IF
IT IS LOST, STOLEN, MUTILATED OR DESTROYED, THE CORPORTION WILL REQUIRE A BOND OF IDEMNITY AS A CONDITION TO THE ISSUANCE OF A
REPLACEMENT CERTIFICATE.Exhibit 10.14

 

PRUDENTIAL SAVINGS BANK

EMPLOYMENT
AGREEMENT

 

 

This
employment agreement (the “Agreement”) dated May 20, 2013 between Prudential Savings Bank, a Pennsylvania-chartered,
stock-form savings bank (the “Bank” or the “Employer”), and Salvatore Fratanduono (the “Executive”).

 

WHEREAS,
the Executive is presently employed as Senior Vice President-Chief Lending Officer of the Bank; 

 

WHEREAS,
the Employer desires to be ensured of the Executive’s continued active participation in the business of the Employer; and

 

WHEREAS,
the Executive is willing to serve the Bank on the terms and conditions hereinafter set forth.

 

NOW
THEREFORE, in consideration of the premises and the mutual agreements herein contained, the parties hereby agree as follows:

 

1.     Definitions.
  The following words and terms shall have the meanings set forth below for the purposes of this Agreement:

 

(a)    Average
Annual Compensation.  The Executive’s “Average Annual Compensation” for purposes of this Agreement shall be
deemed to mean the average amount of Base Salary and cash bonus received by the Executive from the Employer or any subsidiary thereof
(excluding any deferred amounts) during the most recent five calendar years immediately preceding the Date of Termination (or such
shorter period as the Executive was employed).

 

(b)    Base
Salary.  “Base Salary” shall have the meaning set forth in Section 3(a) hereof.

 

(c)    Cause.  Termination of the Executive’s employment for “Cause” shall mean termination because of personal dishonesty,
incompetence, willful misconduct, breach of fiduciary duty involving personal profit, intentional failure to perform stated duties,
willful violation of any law, rule or regulation (other than traffic violations or similar offenses) or final cease-and-desist
order, willful conduct which is materially detrimental (monetarily or otherwise) to the Employer or material breach of any provision
of this Agreement.

 

(d)    Change in Control.  “Change in Control” shall mean a change in the ownership of the Corporation or the Bank, a change in the effective
control of the Corporation or the Bank or a change in the ownership of a substantial portion of the assets of the Corporation or
the Bank, in each case as provided under Section 409A of the Code and the regulations thereunder; provided, however, that neither
any second-step conversion and reorganization in which the MHC ceases to exist nor any increase in the ownership of the Corporation
by the MHC shall be deemed to constitute a Change in Control.

 

(e)    Code.  “Code” shall mean the Internal Revenue Code of 1986, as amended.

 

(f)     Corporation.  “Corporation” shall mean Prudential Bancorp, Inc. of Pennsylvania, the “mid-tier” holding company for the
Bank, or any successor thereto.

 

(g)    Date
of Termination.  “Date of Termination” shall mean (i) if the Executive’s employment is terminated for Cause,
the date on which the Notice of Termination is given, and (ii) if the Executive’s employment is terminated for any other
reason, the date specified in such Notice of Termination.

    	 

    	 

    

(h)    Disability.  “Disability”
shall mean the Executive (i) is unable to engage in any substantial gainful activity by reason of any medically determinable physical
or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than
twelve (12) months, or (ii) is, by reason of any medically determinable physical or mental impairment which can be expected to
result in death or can be expected to last for a continuous period of not less than twelve (12) months, receiving income replacement
benefits for a period of not less than three (3) months under an accident and health plan covering employees of the Bank.

 

(i)    Good Reason.  “Good
Reason” means the occurrence of any of the following events:

 

(i)    any material breach of this Agreement by the Employer, including without limitation any of the following: (A) a material
diminution in the Executive’s base compensation, (B) a material diminution in the Executive’s authority, duties or
responsibilities, or (C) a material diminution in the authority, duties or responsibilities of the supervisor to whom the Executive
is required to report, or

 

(ii)   any material change in the geographic location at which the Executive must perform his services under this Agreement;

 

provided, however, that prior to
any termination of employment for Good Reason, the Executive must first provide written notice to the Employer within ninety (90)
days of the initial existence of the condition, describing the existence of such condition, and the Employer shall thereafter have
the right to remedy the condition within thirty (30) days of the date the Employer received the written notice from the Executive.
If the Employer remedies the condition within such thirty (30) day cure period, then no Good Reason shall be deemed to exist with
respect to such condition. If the Employer does not remedy the condition within such thirty (30) day cure period, then the Executive
may deliver a Notice of Termination for Good Reason at any time within sixty (60) days following the expiration of such cure period.

 

(j)    MHC.  “MHC” shall mean Prudential Mutual Holding Company, the parent mutual holding company for the Corporation and the Bank.

 

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(k)    Notice
of Termination.  Any purported termination of the Executive’s employment by the Employer for any reason, including without
limitation for Cause, Disability or Retirement, or by the Executive for any reason, including without limitation for Good Reason,
shall be communicated by a written “Notice of Termination” to the other party hereto. For purposes of this Agreement,
a “Notice of Termination” shall mean a dated notice which (i) indicates the specific termination provision in this
Agreement relied upon, (ii) sets forth in reasonable detail the facts and circumstances claimed to provide a basis for termination
of the Executive’s employment under the provision so indicated, (iii) specifies a Date of Termination, which shall be not
less than thirty (30) nor more than ninety (90) days after such Notice of Termination is given, except in the case of the Employer’s
termination of the Executive’s employment for Cause, which shall be effective immediately; and (iv) is given in the manner
specified in Section 10 hereof.

 

(l)    Retirement.    “Retirement” shall mean voluntary termination by the Executive in accordance with the Employer’s retirement policies,
including early retirement, generally applicable to the Employer’s salaried employees.

 

2.     Term
of Employment.

 

(a)    The
Employer hereby employs the Executive as Senior Vice President-Chief Lending Officer, and the Executive hereby accepts said employment
and agrees to render such services to the Employer on the terms and conditions set forth in this Agreement. Subject to the terms
hereof, the term of this Agreement shall terminate on December 31, 2014. Beginning on December 31, 2013 and on each December 31st
thereafter, the term of this Agreement shall be extended for a period of one additional year, provided that the Employer has not
given notice to the Executive in writing at least 30 days prior to such day that the term of this Agreement shall not be extended
further and/or the Executive has not given notice to the Employer of his election not to extend the term at least thirty (30) days
prior to any such December 31st. If any party gives timely notice that the term will not be extended as of any such
December 31st, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the
term of this Agreement shall refer both to the initial term and successive terms.

 

(b)    During
the term of this Agreement, the Executive shall perform such executive services for the Employer as is consistent with his title
of Senior Vice President-Chief Lending Officer and from time to time assigned to him by the Chairman, President and Chief Executive
Officer or the Employer’s Board of Directors.

 

3.     Compensation
and Benefits.

 

(a)    The
Employer shall compensate and pay the Executive for his services during the term of this Agreement at a minimum base salary of
$150,626 per year (“Base Salary”), which may be increased from time to time in such amounts as may be determined by
the Board of Directors of the Employer and may not be decreased without the Executive’s express written consent. In addition
to his Base Salary, the Executive shall be entitled to receive during the term of this Agreement such bonus payments as may be
determined by the Board of Directors of the Employer. 

 

(b)    During
the term of this Agreement, the Executive shall be entitled to participate in and receive the benefits of any pension or other
retirement benefit plan, profit sharing, stock option, restricted stock, employee stock ownership, or other plans, benefits and
privileges given to employees and executives of the Employer, to the extent commensurate with his then duties and responsibilities,
as fixed by the Board of Directors of the Employer. The Employer shall not make any changes in such plans, benefits or privileges
which would adversely affect the Executive’s rights or benefits thereunder, unless such change occurs pursuant to a program
applicable to all executive officers of the Employer and does not result in a proportionately greater adverse change in the rights
of or benefits to the Executive as compared with any other executive officer of the Employer. Nothing paid to the Executive under
any plan or arrangement presently in effect or made available in the future shall be deemed to be in lieu of the salary payable
to the Executive pursuant to Section 3(a) hereof.

 

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(c)    During
the term of this Agreement, the Executive shall be entitled to paid annual vacation in accordance with the policies as established
from time to time by the Board of Directors of the Employer. The Executive shall not be entitled to receive any additional compensation
from the Employer for failure to take a vacation, nor shall the Executive be able to accumulate unused vacation time from one year
to the next, except to the extent authorized by the Board of Directors of the Employer.

 

4.     Expenses.
The Employer shall reimburse the Executive or otherwise provide for or pay for all reasonable expenses incurred by the Executive
in furtherance of or in connection with the business of the Employer, including, but not by way of limitation, automobile and traveling
expenses, subject to such reasonable documentation and other limitations as may be established by the Board of Directors of the
Employer. If such expenses are paid in the first instance by the Executive, the Employer shall reimburse the Executive therefor.
Such reimbursement shall be made promptly by the Bank and, in any event, no later than March 15th of the year immediately
following the year in which such expenses were incurred.

 

5.     Termination.

 

(a)    The
Employer shall have the right, at any time upon prior Notice of Termination, to terminate the Executive’s employment hereunder
for any reason, including without limitation termination for Cause, Disability or Retirement, and the Executive shall have the
right, upon prior Notice of Termination, to terminate his employment hereunder for any reason.

 

(b)    In
the event that (i) the Executive’s employment is terminated by the Employer for Cause, or (ii) the Executive terminates
his employment hereunder other than for Good Reason, the Executive shall have no right pursuant to this Agreement to compensation
or other benefits for any period after the applicable Date of Termination.

 

(c)    In
the event that the Executive’s employment is terminated as a result of Disability, Retirement or the Executive’s death
during the term of this Agreement, the Executive shall have no right pursuant to this Agreement to compensation or other benefits
for any period after the applicable Date of Termination.

 

(d)    In
the event that before or after a Change in Control (i) the Executive’s employment is terminated by the Employer for other
than Cause, Disability, Retirement or the Executive’s death or (ii) such employment is terminated by the Executive for Good
Reason, then the Employer shall:

 

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(A)    pay
to the Executive, in a lump sum within five (5) business days following the Date of Termination, a cash severance amount equal
to one (1) times the Executive’s Average Annual Compensation;

 

(B)    maintain
and provide for a period ending at the earlier of (i) one (1) year subsequent to the Date of Termination or (ii) the date of the
Executive’s full-time employment by another employer (provided that the Executive is entitled under the terms of such employment
to benefits substantially similar to those described in this subparagraph (B)), at no cost to the Executive, the Executive’s
continued participation in all group insurance, life insurance, health, dental and accident insurance, and disability insurance
plans offered by the Employer in which the Executive was participating immediately prior to the Date of Termination; in each case
subject to clauses (C) and (D) of this Section 5(d);

 

(C)    in the
event that the continued participation of the Executive in any group insurance plan as provided in clause (B) of this Section 5(d)
is barred or would trigger the payment of an excise tax under Section 4980D of the Code, or during the period set forth in Section
5(d)(B) any such group insurance plan is discontinued, then the Bank shall at its election either (A) arrange to provide the Executive
with alternative benefits substantially similar to those which the Executive was entitled to receive under such group insurance
plans immediately prior to the Date of Termination, provided that the alternative benefits do not trigger the payment of an excise
tax under Section 4980D of the Code, or (B) pay to the Executive within 10 business days following the Date of Termination (or
within 10 business days following the discontinuation of the benefits if later) a lump sum cash amount equal to the projected cost
to the Bank of providing continued coverage to the Executive until the one-year anniversary of his Date of Termination, with the
projected cost to be based on the costs being incurred immediately prior to the Date of Termination (or the discontinuation of
the benefits if later);

 

(D)    any insurance premiums
payable by the Bank pursuant to Section 5(d)(B) or (C) shall be payable at such times and in such amounts (except that the Employer
shall also pay any employee portion of the premiums) as if the Executive was still an employee of the Bank, subject to any increases
in such amounts imposed by the insurance company or COBRA, and the amount of insurance premiums required to be paid by the Bank
in any taxable year shall not affect the amount of insurance premiums required to be paid by the Bank in any other taxable year;
and

 

(E)    pay to the Executive,
in a lump sum within five (5) business days following the Date of Termination, a cash amount equal to the projected cost to the
Employer of providing benefits to the Executive for a period of twelve (12) months pursuant to any other employee benefit plans,
programs or arrangements offered by the Employer in which the Executive was entitled to participate immediately prior to the Date
of Termination (other than stock option plans, restricted stock plans or retirement plans of the Employer or the Corporation),
with the projected cost to the Employer to be based on the costs incurred for the calendar year immediately preceding the year
in which the Date of Termination occurs, and with any automobile-related costs to exclude any depreciation on Bank-owned automobiles.

 

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(e)    Notwithstanding
any other provision contained in this Agreement, if the time period for making any cash payment under Section 5(d) commences in
one calendar year and ends in the succeeding calendar year, then the payment shall not be paid until the succeeding calendar year.

 

6.     Limitation
of Benefits under Certain Circumstances.  If the payments and benefits pursuant to Section 5 hereof, either alone or together
with other payments and benefits which the Executive has the right to receive from the Employer and the Corporation, would constitute
a “parachute payment” under Section 280G of the Code, then the payments and benefits payable by the Employer pursuant
to Section 5 hereof shall be reduced by the minimum amount necessary to result in no portion of the payments and benefits payable
by the Employer under Section 5 being non-deductible to the Employer pursuant to Section 280G of the Code and subject to the
excise tax imposed under Section 4999 of the Code. If the payments and benefits under Section 5 are required to be reduced, the
cash severance shall be reduced first, followed by a reduction in the fringe benefits. The determination of any reduction in the
payments and benefits to be made pursuant to Section 5 shall be based upon the opinion of independent tax counsel selected by the
Employer and paid by the Employer. Such counsel shall promptly prepare the foregoing opinion, but in no event later than thirty
(30) days from the Date of Termination, and may use such actuaries as such counsel deems necessary or advisable for the purpose.
Nothing contained in this Section 6 shall result in a reduction of any payments or benefits to which the Executive may be entitled
upon termination of employment under any circumstances other than as specified in this Section 6, or a reduction in the payments
and benefits specified in Section 5 below zero.

 

7.     Mitigation;
Exclusivity of Benefits.

 

(a)    The
Executive shall not be required to mitigate the amount of any benefits hereunder by seeking other employment or otherwise, nor
shall the amount of any such benefits be reduced by any compensation earned by the Executive as a result of employment by another
employer after the Date of Termination or otherwise, except as set forth in Sections 5(d)(B)(ii) above.

 

(b)    The
specific arrangements referred to herein are not intended to exclude any other benefits which may be available to the Executive
upon a termination of employment with the Employer pursuant to employee benefit plans of the Employer or otherwise.

 

8.     Withholding.  All payments required to be made by the Employer hereunder to the Executive shall be subject to the withholding of such amounts,
if any, relating to tax and other payroll deductions as the Employer may reasonably determine should be withheld pursuant to any
applicable law or regulation.

 

9.     Assignability.  The Employer may assign this Agreement and its rights and obligations hereunder in whole, but not in part, to any corporation,
bank or other entity with or into which the Employer may hereafter merge or consolidate or to which the Employer may transfer all
or substantially all of its assets, if in any such case said corporation, bank or other entity shall by operation of law or expressly
in writing assume all obligations of the Employer hereunder as fully as if it had been originally made a party hereto, but may
not otherwise assign this Agreement or its rights and obligations hereunder. The Executive may not assign or transfer this Agreement
or any rights or obligations hereunder.

 

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10.     Notice.  For the purposes of this Agreement, notices and all other communications provided for in this Agreement shall be in writing and
shall be deemed to have been duly given when delivered or mailed by certified or registered mail, return receipt requested, postage
prepaid, addressed to the respective addresses set forth below:

 

	To
the Employer:	President and Chief Executive Officer
Prudential Savings Bank
1834 Oregon Avenue

Philadelphia, Pennsylvania 19145

	 	 
	To the Executive:	Salvatore Fratanduono
At the address last appearing on the
personnel records of the Employer

 

11.     Amendment;
Waiver.  No provisions of this Agreement may be modified, waived or discharged unless such waiver, modification or discharge
is agreed to in writing and signed by the Executive and such officer or officers as may be specifically designated by the Board
of Directors of the Employer to sign on its behalf. No waiver by any party hereto at any time of any breach by any other party
hereto of, or compliance with, any condition or provision of this Agreement to be performed by such other party shall be deemed
a waiver of similar or dissimilar provisions or conditions at the same or at any prior or subsequent time. In addition, notwithstanding
anything in this Agreement to the contrary, the Employer may amend in good faith any terms of this Agreement, including retroactively,
in order to comply with Section 409A of the Code.

 

12.     Governing
Law.  The validity, interpretation, construction and performance of this Agreement shall be governed by the laws of the United
States where applicable and otherwise by the substantive laws of the Commonwealth of Pennsylvania.

 

13.     Nature
of Obligations.  Nothing contained herein shall create or require the Employer to create a trust of any kind to fund any benefits
which may be payable hereunder, and to the extent that the Executive acquires a right to receive benefits from the Employer hereunder,
such right shall be no greater than the right of any unsecured general creditor of the Employer.

 

14.     Headings.  The section headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or
interpretation of this Agreement.

 

15.     Validity.  The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other
provisions of this Agreement, which shall remain in full force and effect.

 

16.     Changes
in Statutes or Regulations.  If any statutory or regulatory provision referenced herein is subsequently changed or re-numbered,
or is replaced by a separate provision, then the references in this Agreement to such statutory or regulatory provision shall be
deemed to be a reference to such section as amended, re-numbered or replaced.

 

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17.     Counterparts.  This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original but all of which together
will constitute one and the same instrument.

 

18.     Regulatory
Prohibition.  Notwithstanding any other provision of this Agreement to the contrary, any payments made to the Executive pursuant
to this Agreement, or otherwise, are subject to and conditioned upon their compliance with Section 18(k) of the FDIA (12 U.S.C.
§1828(k)) and the regulations promulgated thereunder, including 12 C.F.R. Part 359. In the event of the Executive’s
termination of employment with the Bank for Cause, all employment relationships and managerial duties with the Bank shall immediately
cease regardless of whether the Executive is in the employ of the Corporation following such termination. Furthermore, following
such termination for Cause, the Executive will not, directly or indirectly, influence or participate in the affairs or the operations
of the Bank.

 

19.     Payment
of Costs and Legal Fees and Reinstatement of Benefits.  In the event any dispute or controversy arising under or in connection
with the Executive’s termination is resolved in favor of the Executive, whether by judgment, arbitration or settlement, the
Executive shall be entitled to the payment of (a) all legal fees incurred by the Executive in resolving such dispute or controversy,
and (b) any back-pay, including Base Salary, bonuses and any other cash compensation, fringe benefits and any compensation and
benefits due to the Executive under this Agreement.

 

20.     Entire
Agreement.  This Agreement embodies the entire agreement between the Employer and the Executive with respect to the matters
agreed to herein. All prior agreements between the Employer and the Executive with respect to the matters agreed to herein are
hereby superseded and shall have no force or effect.

 

[signature page follows]

 

 

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

 

	ATTEST:	 	PRUDENTIAL SAVINGS BANK
	 	 	 	 
	By:	 /s/Regina Wilson	 	By:  	/s/Thomas A. Vento
	Name:  	 Regina Wilson	 	 	Thomas A. Vento
	Title:	 Vice President-Secretary	 	 	Chairman, President and Chief
	 	 	 	  Executive Officer
	 	 	 	 
	 	 	EXECUTIVE
	 	 	 	 
	 	 	By:	/s/Salvatore Fratanduono
	 	 	 	Salvatore Fratanduono

 

 
  

    
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