Document:

EX-10.17.3

 Exhibit 10.17.3 

CONSENT AND AMENDMENT NO. 3 

TO CREDIT AND SECURITY AGREEMENT 

This Consent and Amendment No. 3 to Credit and Security Agreement, dated as of October 30, 2015 (this “Amendment”), is
entered into by and between loanDepot.com, LLC, a Delaware limited liability company (“Borrower”), and NEXBANK SSB (“Lender”). 

RECITALS 
 The Borrower
has entered into to that certain Credit and Security Agreement, dated as of October 29, 2014 (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Credit Agreement”), by and between the
Borrower and the Lender. Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Credit Agreement. 

The Borrower is considering undertaking an initial public offering and, in connection therewith, will undergo a restructuring of its ownership
group. In connection therewith, the parties hereto have agreed, subject to the terms and conditions of this Amendment, that the Credit Agreement be amended to reflect certain agreed upon revisions to the terms of the Credit Agreement. 

Accordingly, the parties hereto hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, as follows:

 SECTION 1. New Definitions. Section 1.1 of the Credit Agreement is hereby amended by adding the following definitions in
the correct alphabetical order: 
 “IPO” shall mean the initial public offering of shares of Class A common stock of LD Corp.
on the terms and conditions set forth in the S-1 Filing, and the transactions related thereto as set forth in the S-1 Filing. 

“LD Corp.” shall mean loanDepot, Inc., a Delaware corporation. 

“LD Holdings” shall mean loanDepot Holdings, LLC, a Delaware limited liability company. 

“LD Intermediate” shall mean LD Intermediate, LLC, a Delaware limited liability company. 

“Permitted Distributions” means (a) distributions made from the proceeds of the IPO as set forth in the section entitled
“Use of Proceeds” in the S-1 Filing, (b) distributions to LD Corp., LD Holdings or LD Intermediate or any of their respective subsidiaries to pay for or reimburse any them for (i) customary
compensation, fees and expense reimbursements to their respective directors, officers and managers, (ii) costs and expenses related to (A) compliance with Sarbanes-Oxley and other applicable securities laws (including, without limitation,
the costs of any reporting requirements in connection with such compliance), (B) investor relations, shareholder meetings and shareholder reporting, (C) the acquisition and maintenance of customary directors and officers insurance,
(D) listing fees, (E) corporate overhead costs (including, without limitation, the costs of audits) and costs related to maintenance of corporate existence, and (F) executive, legal and professional fees associated with the foregoing,
and (c) Tax Distributions. 

  
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 “Restructuring Transactions” shall mean the following transactions undertaken in
connection with the IPO: (a) the creation of LD Holdings and LD Intermediate, a wholly-owned subsidiary of LD Holdings, (b) the assignment to LD Holdings and LD Intermediate of all of the equity of the Borrower, such that following such
assignment LD Holdings would own not less than 99% of the equity in the Borrower, and LD Intermediate would own 1% or less of the equity in the Borrower, (c) the ownership of all of the equity of LD Holdings by (i) LD Corp., and
(ii) certain of the pre-IPO owners of the Borrower, and (d) the ownership of LD Corp. by certain of the pre-IPO owners of the Borrower and the investors in the
public shares under the IPO. 
 “S-1 Filing” shall mean the Form S-1 Registration Statement dated as of October 8, 2015, filed by LD Corp. with the Securities and Exchange Commission, as amended, restated, supplemented or otherwise modified from time to time prior to the
IPO. 
 “Use of IPO Proceeds” means the use of proceeds from the IPO set forth in the section entitled “Use of Proceeds”
in the S-1 Filing. 
 SECTION 2. Changed Definitions. Section 1.1 of the Credit
Agreement is hereby amended by amending and restating in their entirety the definitions of “Affiliate”, “Change of Control”, and “Tax Distributions” as follows: 

“Affiliate” means, as to any Person, any other Person (a) that directly or indirectly, through one or more intermediaries,
controls or is controlled by, or is under common control with, such Person; (b) that directly or indirectly beneficially owns or holds twenty percent (20%) or more of any class of voting stock of such Person; or (c) twenty percent (20%) or
more of the voting stock of which is directly or indirectly beneficially owned or held by such Person. The term “control” means the possession, directly or indirectly, of the power to direct or cause direction of the management and
policies of a Person, whether through the ownership of voting securities, by contract, or otherwise. Notwithstanding the foregoing, (A) in no event shall Lender be deemed an Affiliate of Borrower or any Obligated Party, or any of their
Subsidiaries or Affiliates; (B) with respect to the Borrower and its Subsidiaries, the term “Affiliate” shall not include any Person holding publicly-traded shares in LD Corp. (or any Person which controls, is controlled by or is
under common control with, such Person holding publicly-traded shares in LD Corp.) unless such Person would qualify as an Affiliate without taking into account its ownership of any publicly-traded shares in LD Corp. and (C) in no event shall
any Person that is controlled by Sponsor or any of its Controlled Investment Affiliates (other than Borrower and its Subsidiaries) constitute an Affiliate of Borrower or its Subsidiaries. 

“Change of Control” shall mean any event or series of events by which any “person” or “group” (as such terms are
used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, but excluding any employee benefit plan of such person or its subsidiaries, and any person or entity acting in its capacity as trustee, agent or other fiduciary or
administrator of any such plan), other than the Equity Investors, LD Corp., LD Holdings and LD Intermediate, becomes the “beneficial owner” (as defined in Rules 13d-3 and 13d-5 under the Securities Exchange Act of 1934), directly or indirectly, of 51% or more of the equity interests of the Borrower entitled to vote for members of the board of directors or equivalent governing body of
the Borrower on a fully-diluted basis. For purposes of this definition, “Equity Investors” shall mean the holders of the equity interests in the Borrower, immediately prior to the Restructuring Transactions, and their

  
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respective Family Members, Family Trusts and Controlled Investment Affiliates. For purposes of this definition, “Family Member” means, with respect to any individual, any other
individual having a relationship by blood, marriage, or adoption to such individual. For purposes of this definition, “Family Trust” means, with respect to any individual, any trust or other estate planning vehicle established for the
benefit of such individual or Family Members of such individual. 
 “Tax Distributions” means distributions by the Borrower for the
purpose of enabling LD Holdings to make Tax Distributions, as defined and set forth in the limited liability company agreement of LD Holdings. 

SECTION 3. Section 8.4 of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 

8.4 Restricted Payments. At any time an Event of Default has occurred and is continuing or would result therefrom, Borrower shall not
pay, make, declare or incur any liability to pay, make, declare or incur any dividends (excluding stock dividends) or other distribution, direct or indirect, on or on account of any shares of its stock (or equivalent equity interest) or any
redemption or other acquisition, direct or indirect, of any shares of its stock (or equivalent equity interest) or of any warrants, rights or other options to purchase any shares of its stock (or equivalent equity interest), nor purchase, acquire,
redeem or retire any stock (or equivalent equity interest) in itself whether now or hereafter outstanding, except that, notwithstanding the foregoing, the Borrower shall be permitted at all times (regardless of whether or not a Default or Event of
Default exists) to make Permitted Distributions. 
 SECTION 4. Section 8.6 of the Credit Agreement is hereby amended and restated
in its entirety to read as follows: 
 8.6 Transactions With Affiliates. Borrower shall not, and shall not permit any Obligated Party
to, directly or indirectly, enter into any transaction, including, without limitation, the purchase, sale, or exchange of property, the rendering of any service or the payment of any management, advisory or similar fees, with any Affiliate of
Borrower or such Obligated Party, except (i) in the Ordinary Course of Business and pursuant to the reasonable requirements of Borrower’s or such Obligated Party’s business, pursuant to a transaction which is otherwise not prohibited
under this Agreement, and upon fair and reasonable terms no less favorable to Borrower or such Obligated Party than would be obtained in a comparable arm’s-length transaction with a Person not an
Affiliate of Borrower or such Obligated Party, (ii) the transactions described in the section entitled “Certain Relationships and Related Party Transactions” in the S-1 Filing and
(iii) transactions (including, without limitation, under one or more service agreements or management agreements) with LD Corp., LD Holdings or LD Intermediate or any of their respective subsidiaries pursuant to which the Borrower agrees to pay
or reimburse any one or more of them for costs, fees and expenses of the type described in clause (b) of the definition of Permitted Distributions. 

SECTION 5. Consent to IPO and Related Transactions. By executing this Amendment, the Lender hereby (a) consents to the IPO,
the Restructuring Transactions and the Use of IPO Proceeds and (b) agrees and confirms that none of the IPO, the Restructuring Transactions or the Use of IPO Proceeds constitutes or shall constitute a violation, breach, Default or Event of
Default under the Credit Agreement, any other Loan Documents or any other document or instrument executed in connection therewith. Without limiting the generality of the foregoing, the Lender hereby acknowledges and agrees that the IPO and the
Restructuring Transactions shall not constitute a Change of Control or an Organic Change. 

  
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 SECTION 6. Ratification of Agreement. As amended by this Amendment, the Credit
Agreement is in all respects ratified and confirmed, and the Credit Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument. 

SECTION 7. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision
or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

SECTION 8. Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall
constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any notices
hereunder may be transmitted between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF), by other electronic transmission or by facsimile shall be effective
as delivery of a manually executed original counterpart of this Amendment. 
 SECTION 9. Binding Effect. This Amendment shall be
binding upon and inure to the benefit of the parties hereto and their respective successors and assigns. 
 SECTION 10. GOVERNING
LAW. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS. 
 [SIGNATURE PAGE
FOLLOWS] 

  
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 IN WITNESS WHEREOF, the parties hereto have caused their names to be signed hereto by their
respective officers thereunto duly authorized as of the day and year first above written. 
  

					
	LOANDEPOT.COM, LLC
		
	By:	 	          

		 	Name:	 	          

		 	Title:	 	          

	
	NEXBANK SSB
		
	By:	 	          

		 	Name:	 	          

		 	Title:	 	          

 Signature Page to Consent and Amendment No. 3 to Credit and Security AgreementEX-10.17.4

 Exhibit 10.17.4 

FOURTH AMENDMENT TO CREDIT AND SECURITY AGREEMENT 

THIS FOURTH AMENDMENT TO CREDIT AND SECURITY AGREEMENT (this “Amendment”) is entered into as of December [__], 2015
(the “Fourth Amendment Date”), between LOANDEPOT.COM, LLC, a Delaware limited liability company (“Borrower”), and NEXBANK SSB (“Lender”). 

R E C I T A L S 

A. Borrower and Lender are parties to that certain Credit and Security Agreement dated as of October 29, 2014 (as amended, modified,
supplemented, restated or amended and restated from time to time, the “Loan Agreement”). Unless otherwise indicated herein, all terms used with their initial letter capitalized are used herein with their meaning as defined in
the Loan Agreement and all Section references are to Sections in the Loan Agreement. 
 B. On June 26, 2015, Borrower executed a Second
Amended and Restated Promissory Note in the principal amount of $42,500,000 in favor of Lender, evidencing the Loan (the “Original Note”). 

C. Pursuant to the terms of the Loan Agreement, on August 17, 2015, the Commitment was reduced from $42,500,000 to $30,000,000. 

D. Borrower and Lender have agreed to a temporary increase in the amount of the Loan in an amount equal to $10,000,000, after which the
outstanding principal balance of the Loan as of the Effective Date (as hereinafter defined) and until the Incremental Loan Termination Date (as hereinafter defined) shall be $40,000,000. 

E. Borrower has requested that Lender amend the Loan Agreement as provided below. 

F. Borrower has requested that Lender amend the Original Note as provided in the Amended and Restated Promissory Note being delivered in
connection herewith. 
 G. Borrower and Lender desire to amend the Loan Documents, subject to the terms, conditions, and representations set
forth herein, as requested by Borrower. 
 H. Borrower and Lender agree to the other terms and provisions provided below, subject to the
terms, conditions, and representations set forth herein. 
 NOW, THEREFORE, in consideration of these premises and other valuable
consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto agree, as follows: 
 1. Amendments to Loan Agreement.
Subject to the satisfaction of the conditions set forth herein, the Loan Agreement is amended as follows: 
 (a) The following definitions
are hereby added to Section 1.1 of the Loan Agreement in the appropriate alphabetical order: 
 “Incremental
Facility” has the meaning set forth in Section 2.6. 
 “Incremental Loan” has the
meaning set forth in Section 2.6. 
 “Incremental Loan Termination Date” means 5:00 P.M. Dallas,
Texas time on January 29, 2016 or such earlier date on which the Incremental Loan terminates as provided in this Agreement. 

 (b) The definition of “Commitment” in Section 1.1 of the Loan
Agreement is hereby amended and restated in its entirety to read as follows: 
 “Commitment” means
the obligation of Lender to make Borrowings pursuant to Section 2 in an aggregate principal amount at any time outstanding up to but not exceeding $30,000,000, subject, however, to (i) for the
period following the Effective Date until the Incremental Loan Termination Date, a temporary increase pursuant to the Incremental Loan as set forth in Section 2.6 and (ii) termination pursuant to
Section 10.2. 
 (c) The introductory paragraph of Section 2.1(a) of the Loan Agreement
is hereby amended and restated in its entirety to read as follows: 
 (a) Borrowings. Subject to the terms and
conditions of this Agreement (including, without limitation, Section 2.6), Lender agrees to make one or more revolving credit loans to Borrower from time to time from the date hereof to and including
the Termination Date in an aggregate principal amount at any time outstanding up to but not exceeding the amount of the Commitment, provided that the aggregate amount of all Borrowings at any time outstanding shall not exceed the lesser of
(i) the amount of the Commitment and (ii) the Borrowing Base. Subject to the foregoing limitations, and the other terms and provisions of this Agreement, Borrower may borrow, repay, and reborrow hereunder; provided that Borrower may not
repay and reborrow amounts under the Incremental Loan. No Loan shall be funded or held with “plan assets” within the meaning of Section 3(42) of ERISA. 

(d) Section 2.1(a)(ii) of the Loan Agreement is hereby amended and restated in its entirety to read as follows: 

(ii) Repayment of Borrowings. Borrower shall repay the unpaid principal amount of all Borrowings on the Termination Date and, with
respect to the Incremental Loan, on the Incremental Loan Termination Date, unless sooner due by reason of acceleration by Lender as provided in this Agreement. 

(e) Section 2.1(a)(iii) of the Loan Agreement is hereby amended and restated in its entirety to read as follows: 

(iii) Interest. The unpaid principal amount of the Borrowings shall, subject to the following sentence, bear interest as provided in
the Revolving Credit Note. If at any time the rate of interest specified in the Revolving Credit Note would exceed the Maximum Rate but for the provisions thereof limiting interest to the Maximum Rate, then any subsequent reduction shall not reduce
the rate of interest on the Borrowings below the Maximum Rate until the aggregate amount of interest accrued on the Borrowings equals the aggregate amount of interest which would have accrued on the Borrowings if the interest rate had not been
limited by the Maximum Rate. Accrued and unpaid interest on the Borrowings shall be payable as provided in the Revolving Credit Note and on the Termination Date and, with respect to the Incremental Loan, on the Incremental Loan Termination Date.

 (f) A new Section 2.6 is hereby added after Section 2.5 of the Loan Agreement to read as follows: 

Section 2.6 Incremental Loan. Borrower has requested that Lender temporarily increase the principal
amount of the Loan and the Lender has agreed to temporarily increase the principal amount of the Loan upon the terms and conditions as set forth herein (such increase, the “Incremental Facility” and the loan made pursuant to
such Incremental Facility, the “Incremental Loan”) in an aggregate principal amount not to exceed $10,000,000. Such 

 
Incremental Loan shall be due and payable in full on the Incremental Loan Termination Date; provided that Borrower may voluntarily prepay amounts due under the Incremental Loan prior to
the Incremental Loan Termination Date without penalty. Subject to the foregoing limitations, and the other terms and provisions of this Agreement, Borrower may not repay and reborrow amounts under the Incremental Loan. Upon the Incremental Loan
Termination Date, at Lender’s request, Borrower shall execute an amended and restated note reflecting a Commitment of $30,000,000. 
  

	2.	 Conditions Precedent. Notwithstanding any contrary provision, this Amendment shall be effective on the
first Business Day upon which all of the following conditions precedent have been satisfied (the “Effective Date”): 

(a) Lender shall have received counterparts of this Amendment and the Amended and Restated Promissory Note executed by Borrower,
Lender, and each other party set forth on the signature pages hereto; 
 (b) Lender shall have received satisfactory evidence that Borrower
has paid the fees and expenses of counsel described in Section 5; 
 (c) No Default or Event
of Default shall have occurred and be continuing or shall result after giving effect to this Amendment; 
 (d) Lender shall have received
(i) an officer’s certificate of an authorized officer of Borrower certifying and attaching true and correct copies of its most recent Constituent documents and (ii) a certified copy, signed by Borrower’s secretary, of a
resolution of the board of directors of Borrower authorizing this Amendment and the Amended and Restated Promissory Note; 
 (e) Lender shall
have returned to Borrower, or to Borrower’s attorney to be held in escrow, the original of the Original Note; and 
 (f) Lender shall
have received such other instruments and documents incidental and appropriate to the transactions provided for herein as Lender or its counsel may reasonably request, and all such documents shall be in form and substance satisfactory to Lender (it
being agreed that execution of this Amendment by Lender shall evidence that the foregoing conditions have been fulfilled). 
  

	3.	 Reaffirmation of Loan Documents and Liens. Except as amended and modified hereby, any and all of the
terms and provisions of the Loan Agreement and the other Loan Documents shall remain in full force and effect and are hereby in all respects ratified and confirmed by Borrower. Borrower hereby agrees that, except as expressly provided in this
Amendment, the amendments and modifications herein contained shall in no manner affect or impair the liabilities, duties and obligations of Borrower under the Loan Agreement and the other Loan Documents or the Liens securing the payment and
performance thereof. Borrower further confirms that the liens and security interests in the Collateral created under the Loan Documents secure, among other indebtedness, Borrower’s obligations under the Loan Documents, and all modifications,
amendments, renewals, extensions, and restatements thereof. 

  

	4.	 Representations and Warranties. As a material inducement for Lender to enter into this Amendment,
Borrower hereby represents and warrants to Lender (with the knowledge and intent that Lender is relying upon the same in consenting to this Amendment) that as of the Effective Date, and after giving effect to the transactions contemplated by this
Amendment: (a) all representations and warranties in the Loan Agreement and in all other Loan Documents are true and correct in all material respects, as though made on the date hereof, except to the extent that (i) any of them
speak to a different specific date or may have otherwise been made inaccurate by the mere passage of time; or (ii) the facts or circumstances on which any of them were based have been changed by transactions or events not prohibited by the Loan
Documents; (b) no Default or Event of Default exists under the 

 
Loan Documents or will exist after giving effect to this Amendment; (c) this Amendment has been duly authorized and approved by all necessary organizational action and requires the consent
of no other Person, and is binding and enforceable against Borrower in accordance with its terms; and (d) the execution, delivery and performance of this Amendment in accordance with its terms, does not and will not, by the passage of time, the
giving of notice, or otherwise: (i) require any governmental approval, other than such as have been obtained and are in full force and effect, or violate any applicable law relating to Borrower; (ii) conflict with, result in a
breach of, or constitute a default under the Constituent Documents of Borrower thereof, or any indenture, agreement, or other instrument to which Borrower is a party or by which it or any of its properties may be bound; or (iii) result in or
require the creation or imposition of any Lien upon or with respect to any property now owned or hereafter acquired by Borrower. 
  

	5.	 Fees, Costs and Expenses. 

 

	 	(a)	 Borrower agrees to pay promptly the reasonable fees and expenses of counsel to Lender for services rendered in
connection with the preparation, negotiation, reproduction, execution, and delivery of this Amendment and all related documents; and 

  

	 	(b)	 In consideration for this Amendment and the Incremental Loan under the terms of this Amendment, Borrower agrees
to pay to Lender, on or before the date hereof, an amendment fee of $50,000 (the “Amendment Fee”), such Amendment Fee to be made in Dollars, in immediate available funds, without deduction,
set-off or counterclaim, to Lender. 

  

	6.	 Miscellaneous. 

 

	 	(a)	 This Amendment shall be deemed to constitute a Loan Document for all purposes and in all respects. Each
reference in the Loan Agreement or Amended and Restated Promissory Note to “this Agreement,” “hereunder,” “hereof,” “herein” or words of like import, and each reference in the Loan Agreement or in any other
Loan Document, or other agreements, documents or other instruments executed and delivered pursuant to the Loan Agreement to the “Loan Agreement”, shall mean and be a reference to the Loan Agreement as amended by this Amendment.

  

	 	(b)	 The Loan Documents shall remain unchanged and in full force and effect, except as provided in this Amendment,
and are hereby ratified and confirmed. The execution, delivery, and effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver of any rights of Lender under any Loan Document, nor constitute a waiver under
any of the Loan Documents. 

  

	 	(c)	 All of the terms and provisions of this Amendment shall bind and inure to the benefit of the parties hereto and
their respective successors and assigns. 

  

	 	(d)	 This Amendment may be executed in one or more counterparts and by different parties hereto in separate
counterparts each of which when so executed and delivered shall be deemed an original, but all such counterparts together shall constitute but one and the same instrument; signature pages may be detached from multiple separate counterparts and
attached to a single counterpart so that all signature pages are physically attached to the same document. Delivery of photocopies of the signature pages to this Amendment by facsimile or electronic mail shall be effective as delivery of manually
executed counterparts of this Amendment. 

  

	 	(e)	 THIS AMENDMENT, THE LOAN AGREEMENT, AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE
PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 

	 	(f)	 The headings, captions and arrangements used in this Amendment are, unless specified otherwise, for convenience
only and shall not be deemed to limit, amplify or modify the terms of this Amendment, nor affect the meaning thereof. 

  

	 	(g)	 Any provision of this Amendment held to be invalid, illegal or unenforceable in any jurisdiction shall, as to
such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a particular provision in a
particular jurisdiction shall not invalidate such provision in any other jurisdiction. 

  

	 	(h)	 This Amendment shall be construed in accordance with and governed by the laws of the State of Texas.

  

	 	(i)	 The execution, delivery and effectiveness of this Amendment shall not operate as a waiver of any right, power
or remedy of Lender under any of the Loan Documents, nor constitute a waiver of any provision of any of the Loan Documents 

[Remainder of Page Intentionally Left Blank; Signature Page Follows] 

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment in multiple counterparts
on the date stated on the signature pages hereto, but effective as of Effective Date. 
  

			
	BORROWER:
	
	loanDepot.com, LLC,
	
	a Delaware limited liability company
		
	By:	 	              

		 	Name: Jon Frojen
		 	Title: Chief Financial Officer
	
	LENDER:
	
	NEXBANK SSB
		
	By:	 	              

		 	Name: Rhett Miller
		 	Title: Senior Vice President and Chief Credit
		 	Officer

  
 Signature Page to
Fourth Amendment

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