Document:

<PAGE>

                          SUBSIDIARY SECURITY AGREEMENT

        This SECURITY AGREEMENT is made and entered into as of this 28th day of
June, 2001, among COVER-ALL SYSTEMS, INC., a Delaware corporation (the
"Guarantor"), and JOHN ROBLIN, ARNOLD SCHUMSKY AND STUART STERNBERG
(collectively referred to as "Lender"), and STUART STERNBERG, as agent for the
Secured Party (the "Agent").

        WHEREAS, Lender, Agent and Cover-All Technologies Inc. (the "Borrower"),
have entered into a Convertible Loan Agreement of even date herewith (the "Loan
Agreement"), pursuant to which Lender will lend to the Borrower the aggregate
principal amount of $400,000 evidenced by the Borrower's 8.00% Convertible
Debentures of even date herewith (the "Debentures");

        WHEREAS, as a condition for entering into the Loan Agreement and
providing the Loan, Lender required that Guarantor, a subsidiary of the
Borrower, guarantee the Obligations of the Borrower and grant a security
interest in the assets of Guarantors as collateral for such Guarantee;

        WHEREAS, Guarantors executed a Guarantee of even date herewith in favor
of Lender (the "Guarantee"), whereby Guarantors guaranteed the due performance
and full and prompt payment of all obligations and indebtedness of the Borrower
arising under the Loan Agreement;

        WHEREAS, Renaissance US Growth & Income Trust PLC, a public limited
company registered in England and Wales ("RUSGIT"), and BFSUS Special
Opportunities Trust PLC, a public limited company registered in England and
Wales ("BFSUS") (RUSGIT and BFSUS collectively referred to as "Renaissance"),
has loaned to Borrower on even date herewith, the aggregate principal amount of
$1,400,000 evidenced by Borrower's 8.00% Convertible Debentures;

        WHEREAS, Renaissance, Renaissance Capital Group, Inc., a Texas
corporation ("RCG"), and the Borrower have entered into a Pledge Agreement,
certain Borrower Security Agreements and Subsidiary Security Agreements of even
date herewith providing for the pledge and grants of security interests in the
pledged Shares and the Collateral to secure the payment when due of the
Obligations of the Borrower under the Loan Documents (as such terms are defined
in the Convertible Loan Agreement among Renaissance, RCG and Borrower); and

        WHEREAS, Renaissance and Holder have entered into an Intercreditor
Agreement of even date herewith setting forth the relative rights and
responsibilities as creditors of Borrower;

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

        1.      GRANT OF SECURITY INTEREST. In order to secure payment when due
of all Obligations now existing or hereafter incurred, Guarantors hereby
irrevocably grant to Lender a first and prior security interest in the following
property of Guarantors (the "Collateral"), whether now owned or existing, or
hereafter acquired, owned, existing or arising (whether by

                                       1
<PAGE>

contract or operation of law), and wherever located, which shall be retained by
Lender, until the Obligations have been paid in full and the Loan Agreement has
been terminated.

                (i)     All accounts (including inter-company receivables),
        contract rights, chattel paper and rights of payment of every kind
        (collectively, "Accounts") and instruments and general intangibles of
        Guarantor.

                (ii)    All bank accounts of Guarantor.

                (iii)   All monies and property of any kind of Guarantor, now or
        hereafter, in the possession or under the control of Lender, Agent or a
        bailee of Lender.

                (iv)    All licenses, patents, patent applications, copyrights,
        trademarks, trademark applications, trade names, assumed names, service
        marks and service mark applications and other intellectual property of
        Guarantor.

                (v)     All inventory, equipment (including any and all computer
        hardware and components), machinery and fixtures of Guarantor in all
        forms and wherever located, and all parts and products thereof, all
        accessories thereto, and all documents therefor.

                (vi)    All books and records (including, without limitation,
        customer lists, credit files, tapes, ledger cards, computer software and
        hardware, electronic data processing software, computer programs,
        printouts and other computer materials and records) of Guarantor
        evidencing or containing information regarding or otherwise pertaining
        to any of the foregoing.

                (vii)   All accessories to, substitutions for and all
        replacements, products and proceeds of the foregoing including, without
        limitation, proceeds of insurance policies insuring the Collateral
        (including, but not limited to, claims paid and premium refunds).

        2.      INSURANCE ON COLLATERAL. Guarantors further warrant and agree
that in each case where the terms of any such Accounts require the Guarantor or
the account debtor named in such Account to place or carry insurance in respect
of the property to which such Account relates, the Guarantor or the account
debtor will pay for and maintain such insurance.

        3.      DELIVERY OF RECEIVABLES. Upon Lender's or Agent's request, upon
the occurrence of an Event of Default, the Guarantors will, at any reasonable
time and at Guarantor's own expense, physically deliver to Lender or Agent all
Accounts assigned to Lender at any reasonable place or places designated by
Lender or Agent. Failure to deliver any Account, or failure to deliver physical
possession of any instruments, documents or writings in respect of any Account
shall not invalidate Lender's Lien and security interest therein, except to the
extent that possession may be required by applicable law for the perfection of
said Lien or security interest, in which latter case, the Account shall be
deemed to be held by Guarantors as the custodian agent of Lender, for the
benefit of Lender. Failure of Lender or Agent to demand or require Guarantors to
include any Account in any schedule, to execute any schedule, to assign and

                                      -2-
<PAGE>

deliver any schedule or to deliver physical possession of any instruments,
documents or writings related to any Account shall not relieve Guarantors of
their duty so to do.

        4.      COLLECTION OF RECEIVABLES. Guarantors hereby agree that they
shall use commercially reasonable efforts, at their sole cost and expense and in
their own names, to promptly and diligently collect and enforce payment of all
Accounts and Guarantors will defend and hold Lender harmless from any and all
loss, damage, penalty, fine or expense arising from such collection or
enforcement.

        5.      FINANCING STATEMENTS. Guarantors agree to execute all financing
statements and amendments thereto as Lender or Agent may request from time to
time to evidence the security interest granted to Lender hereunder and will pay
all filing fees and taxes, if any, necessary to effect the filing thereof.
Wherever permitted by law, Guarantors authorize Lender or Agent to file
financing statements with respect to the Collateral without the signature of
Guarantors, and shall give notice thereof to the Guarantors. Without the written
consent of Lender or Agent, Guarantors will not allow any financing statement or
notice of assignment to be on file in any public office covering any Collateral,
proceeds thereof or other matters subject to the security interest granted to
Lender herein, unless such financing statement relates to a Permitted Lien.

        6.      LENDER'S PAYMENT OF CLAIMS. Lender may, in its sole discretion,
discharge or obtain the release of any security interest, lien, claim or
encumbrance asserted by any Person against the Collateral, other than a
Permitted Lien. All sums paid by Lender in respect thereof shall be payable, on
demand, by Guarantors to such Lender and shall be a part of the Obligations.

        7.      DEFAULT AND REMEDIES.

                (a)     Guarantors shall be in default hereunder upon the
        occurrence of an Event of Default, as set forth in the Loan Agreement.

                (b)     Upon the occurrence of any Event of Default which shall
        be continuing, (i) unless Lender or Agent shall elect otherwise, the
        entire unpaid amount due under the Guarantee as are not then otherwise
        due and payable shall become immediately due and payable without notice
        to Guarantors or demand by Lender or Agent and (ii) either Lender or
        Agent may at its or their option exercise from time to time any and all
        rights and remedies available to them under the Uniform Commercial Code
        or otherwise, including the right to foreclose or otherwise realize upon
        the Collateral and to dispose of any of the Collateral at one or more
        public or private sales or other proceedings, and Guarantors agree that
        any of Lender, Agent or their nominee may become the purchaser at any
        such sale or sales. Guarantors agree that twenty (20) days shall be
        reasonable prior notice of the date of any public sale or other
        disposition, if the same may be made. All rights and remedies granted
        Lender hereunder or under any other agreement between Lender and
        Guarantors shall be deemed concurrent and cumulative and not
        alternative, and Lender, or Agent on its behalf, may proceed with any
        number of remedies at the same time or at different times until all the
        Obligations are fully satisfied. The exercise of any one right or remedy
        shall not be deemed a waiver or release of or an election against any
        other right or remedy. Guarantors shall pay to Lender or Agent, on
        demand, any and all expenses (including reasonable attorneys' fees and
        legal expenses) which may

                                      -3-
<PAGE>

        have been incurred by Lender or Agent (i) in the prosecution or defense
        of any action growing out of or connected with the subject matter of
        this Agreement, the Guarantee, the Collateral or any of Lender's rights
        therein or thereto; or (ii) in connection with the custody,
        preservation, use, operation, preparation for sale or sale of the
        Collateral, the incurring of all of which are hereby authorized to the
        extent Lender or Agent deem the same advisable. Guarantors' liability to
        Lender or Agent for any such payment shall be included in the
        Obligations. The proceeds of any Collateral received by Lender or Agent
        at any time before or after default, whether from a sale or other
        disposition of Collateral or otherwise, or the Collateral itself, may be
        applied to the payment in full or in part of such of the Obligations and
        in such order and manner as Lender or Agent may elect.

        8.      REPRESENTATIONS AND COVENANTS OF GUARANTOR. Guarantor hereby
represents to and agrees with Lender as follows:

                (a)     Guarantor owns the Collateral as sole owner, free and
        clear of any Liens, other than Permitted Liens.

                (b)     So long as any amounts due pursuant to the Loan
        Agreement remain unpaid, Guarantor agrees not to sell, assign or
        transfer the Collateral, other than the sale of Collateral in the
        ordinary course of business, and to maintain it free and clear of any
        Liens, other than Permitted Liens.

        9.      MISCELLANEOUS.

                (a)     This Agreement shall bind and inure to the benefit of
        the parties and their respective heirs, personal representatives,
        successors and assigns, except that Guarantor shall not assign any of
        its rights hereunder without the prior written consent of the holders of
        more than 50% of the principal amount of the then outstanding
        Debentures.

                (b)     Any provision hereof which is prohibited or
        unenforceable in any jurisdiction shall, as to such jurisdiction, be
        ineffective to the extent of such prohibition or unenforceability
        without affecting the validity or enforceability of the remainder of
        this Agreement or the validity or enforceability of such provision in
        any other jurisdiction.

                (c)     All issues arising hereunder shall be governed by the
        laws of the State of New York.

                (d)     Guarantor hereby consents to the jurisdiction of the
        courts of the State of New York in any action or proceeding which may be
        brought against them under or in connection with this Agreement or any
        transaction contemplated hereby or to enforce any agreement contained
        herein, and in the event any such action or proceeding shall be brought
        against one or both of them, Guarantors agree not to raise any objection
        to such jurisdiction or to the laying of venue in New York County, New
        York or, if applicable, any other county in any state in which
        Collateral is located.

                (e)     Any notices or other communications required or
        permitted to be given by this Agreement or any other documents and
        instruments referred to herein must be (i)

                                      -4-
<PAGE>

        given in writing and personally delivered, mailed by prepaid certified
        or registered mail or sent by overnight service, such as FedEx, or (ii)
        made by telex or facsimile transmission delivered or transmitted to the
        party to whom such notice or communication is directed, with
        confirmation thereupon given in writing and personally delivered or
        mailed by prepaid certified or registered mail.

        If to Guarantor to:

        Cover-All Systems, Inc.
        18-01 Pollitt Drive
        Fair Lawn, NJ 07410
        Attn.:  John W. Roblin
                Chairman and CEO
        Telephone: (201) 794-4800
        Facsimile: (201) 475-9287

        with a copy to:

        Piper Marbury Rudnick & Wolfe LLP
        1251 Avenue of the Americas
        New York, New York 10021
        Attn: Leonard Gubar, Esq.
        Telephone: (212) 835-6020
        Facsimile: (212) 835-6001

        If to Lender to:

        John Roblin
        c/o 18-01 Pollitt Drive
        Fair Lawn, NJ 07410
        Attn.:  John W. Roblin
                Chairman and CEO
        Telephone: (201) 794-4800
        Facsimile: (201) 475-9287

        Arnold Schumsky
        c/o Spear, Leeds & Kellogg
        120 Broadway
        New York, New York  10271
        Telephone: (212) 422-7046
        Facsimile: (212) 433-7299

        and

                                      -5-
<PAGE>

        Stuart Sternberg
        c/o Spear, Leeds & Kellogg
        120 Broadway
        New York, New York  10271
        Telephone:  (212) 422-7046
        Facsimile:  (212) 433-7299

        If to Agent to:

        Stuart Sternberg
        c/o Spear, Leeds & Kellogg
        120 Broadway
        New York, New York  10271
        Telephone:  (212) 422-7046
        Facsimile:  (212) 433-7299

        Any notice delivered personally in the manner provided herein will be
deemed given to the party to whom it is directed upon the party's (or its
agent's) actual receipt. Any notice addressed and mailed in the manner provided
herein will be deemed given to the party to whom it is addressed at the close of
business, local time of the recipient, on the fourth business day after the day
it is placed in the mail, or, if earlier, the time of actual receipt.

                (f)     Capitalized terms used herein, unless otherwise defined
        herein, have the definitions given them in the Loan Agreement among
        Borrower and Lender, Agent.

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK;
                            SIGNATURE PAGE FOLLOWS.]

                                      -6-
<PAGE>

        IN WITNESS WHEREOF, this Agreement has been duly executed as of the date
and year written above.

                                       COVER-ALL TECHNOLOGIES INC.

                                       By:   /s/ John W. Roblin
                                             -----------------------------------
                                             John W. Roblin, Chairman and CEO

                                       LENDER:

                                       By:   /s/ John W. Roblin
                                             -----------------------------------
                                             John W. Roblin

                                       By:   /s/ Arnold Schumsky
                                             -----------------------------------
                                             Arnold Schumsky

                                       By:   /s/ Stuart Sternberg
                                             -----------------------------------
                                             Stuart Sternberg

                                       AGENT:

                                       By:   /s/ Stuart Sternberg
                                             -----------------------------------
                                             Stuart Sternberg

                                      -7-<PAGE>

                             INTERCREDITOR AGREEMENT

        This INTERCREDITOR AGREEMENT (this "Agreement"), dated as of June 28,
2001, among Renaissance US Growth & Income Trust PLC, a public limited company
registered in England and Wales ("RUSGIT"), BFSUS Special Opportunities Trust
PLC, a public limited company registered in England and Wales ("BFSUS") (RUSGIT
and BFSUS collectively referred to as "Lender"), and the other debenture holders
(the "Other Debenture Holders") who are signatories to this Agreement.

                                    RECITALS

        A.      Lender has loaned to Cover-All Technologies Inc., a Delaware
corporation ("Borrower"), the aggregate principal amount of $1,400,000 evidenced
by Borrower's 8.00% Convertible Debentures of even date herewith, and the Other
Debenture Holders have loaned to the Borrower the aggregate principal amount of
$400,000 evidenced by Borrower's 8.00% Convertible Debentures of even date
herewith (all of such debentures collectively referred to as the "Debentures").

        B.      The Lender, Renaissance Capital Group, Inc., a Texas corporation
("RCG"), and the Borrower have entered into a Pledge Agreement, the Borrower
Security Agreement and the Subsidiary Security Agreement of even date herewith
providing for the pledge and grants of security interests in the pledged Shares
and the Collateral to secure the payment when due of the Obligations of the
Borrower under the Loan Documents.

        C.      The Lender and the Other Debenture Holders desire to enter into
this Agreement to set forth their relative rights as creditors of the Borrower.

        NOW, THEREFORE, in consideration of the foregoing recitals and the
mutual covenants and agreements set forth herein, the parties agree as follows:

        1.      ACTION OF DEBENTURE HOLDERS. Without the prior written consent
of the holders of 66-2/3% of the principal amount of the then-outstanding
Debentures, no Debenture holder shall commence any action or proceeding against
the Borrower or join with any other creditor of the Borrower in bringing any
proceeding against the Borrower under any bankruptcy, insolvency,
reorganization, receivership or other federal or state law, or accelerate the
maturity of the Debentures or any other obligations of the Borrower to the
Debenture holders, whether under the Debentures or any loan documents relating
to the Debentures, or exercise any rights or remedies, whether pursuant to the
Debentures, the loan documents relating to the Debentures or applicable law,
including declaring any Default or Event of Default.

        2.      RIGHTS TO COLLATERAL. Notwithstanding that the Lender has sole
possession of the pledged Shares or that the Lender is described as the sole
secured party on UCC-1s filed by Lender, the Collateral and the pledged Shares
shall secure the payment when due of all of the obligations of the Borrower to
all of the Debenture holders under the Debentures or any loan documents relating
to the Debentures, on a PARI PASSU basis (notwithstanding any subsequent

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UCC-1 filings by the Other Debenture Holders) in accordance with the respective
principal amounts of the Debentures. Lender agrees that, in the event Lender
converts its Debentures, Lender shall promptly transfer its interest in all of
the Collateral, including its possession of the Shares pledged to Lender to the
Other Debenture Holders, if any, and execute any and all documents reasonably
requested by the Other Debenture Holders to accomplish the foregoing.

        3.      AMENDMENTS TO DEBENTURES; WAIVERS. Without the prior written
consent of the holders of 66-2/3% of the principal amount of the
then-outstanding Debentures, no Debenture holder may (i) renew or extend the
time of payment of the Debentures, or (ii) modify or amend the Debentures or any
related loan documents. The Lender shall have no liability to the Other
Debenture Holders for any action taken or omitted to be taken (excluding
Lender's willful misconduct, but including, without limitation, actions with
respect to the creation, perfection or continuation of liens or security
interests in any existing or future Collateral or pledged Shares), actions with
respect to the occurrence of a Default or an Event of Default, actions with
respect to the foreclosure upon, sale, release or depreciation of, or failure to
realize upon any of the Collateral or pledged Shares and actions with respect to
the collection of any claim for all or any part of the obligations of Borrower
to the Other Debenture Holders from any other party. Notwithstanding anything
contained herein to the contrary, no Debenture holder may modify or amend any
provision of the Debentures or any related loan document affecting the right of
all Debenture holders to share pro rata in the proceeds of any Collateral if,
when and however received.

        4.      MARSHALING; APPLICATION OF PAYMENTS. The Other Debenture Holders
hereby waive any rights they have or may have in the future to require Lender to
marshal their Collateral or pledged Shares, and agree that Lender may proceed
against its Collateral and pledged Shares in any order that it deems appropriate
in the exercise of its absolute discretion.

        5.      BANKRUPTCY ISSUES. This Agreement shall continue in full force
and effect after the filing by or against Borrower of a petition under the U.S.
Bankruptcy Code (the "Code") or any other insolvency proceeding, and all
references herein to Borrower shall be deemed to apply to a trustee for
Borrower's bankruptcy estate and to Borrower as debtor-in-possession. The Lender
is irrevocably authorized and empowered to receive and collect any and all
dividends, payments or distributions made on account of any proof of claim
relating to the Debentures and Lender is required to pay or otherwise distribute
pro rata to the Other Debenture Holders any such dividends, payments or
distributions received, and the Other Debenture Holders shall execute and
deliver such assignments or instruments as the Lender may require to enable it
to collect such dividends, payments or distributions.

        6.      REPRESENTATIONS CONCERNING THE BORROWER. Neither Lender nor any
of its directors, officers, agents, affiliates or employees, shall be
responsible to the Other Debenture Holders for (i) Borrower's solvency,
financial condition, or ability to repay debt, (ii) any oral or written
statements of Borrower, or (iii) the validity, sufficiency or enforceability of
the Debentures, any of Borrower's loan documents or the security interests and
pledge granted by Borrower to Lender. The Other Debenture Holders have entered
into their loan documents and

                                       2
<PAGE>

financing arrangements with Borrower based upon their own independent
investigation, and have not relied on any warranty or representation of the
Lender.

        7.      MISCELLANEOUS.

                a.      This Agreement shall bind and inure to the benefit of
        the parties and their respective heirs, personal representatives,
        successors and assigns, except that Borrower shall not assign any of its
        rights hereunder without the prior written consent of holders of more
        than 50% of the principal amount of the then outstanding Debentures.

                b.      Any provision hereof which is prohibited or
        unenforceable in any jurisdiction shall, as to such jurisdiction, be
        ineffective to the extent of such prohibition or unenforceability
        without affecting the validity or enforceability of the remainder of
        this Agreement or the validity or enforceability of such provision in
        any other jurisdiction.

                c.      This Agreement shall be governed by and construed and
        enforced in accordance with the substantive laws of the State of Texas,
        without regard to the conflicts of laws principles thereof, and the
        applicable laws of the United States. Venue and jurisdiction shall be in
        the state or federal courts in Dallas County, Texas.

                d.      All Debenture holders hereby consent to the jurisdiction
        of the courts of the State of Texas in any action or proceeding which
        may be brought against it under or in connection with this Agreement or
        any transaction contemplated hereby or to enforce any agreement
        contained herein and, in the event any such action or proceeding shall
        be brought against it, all Debenture holders agree not to raise any
        objection to such jurisdiction or to venue in Dallas County, Texas or,
        if applicable, any other county in any state in which Collateral is
        located.

                e.      All capitalized terms, unless otherwise specified, have
        the meanings assigned to them in the Loan Agreement, the Pledge
        Agreement, the Borrower Security Agreement, the Subsidiary Security
        Agreement and the Debentures, as applicable.

                f.      The transfer or assignment of any of the Debentures, or
        any right, claim or interest therein, shall only be made subject to this
        Agreement.

                g.      Any notices or other communications required or
        permitted to be given by this Agreement or any other documents and
        instruments referred to herein must be (i) given in writing and
        personally delivered, mailed by prepaid certified or registered mail or
        sent by overnight service, such as FedEx, or (ii) made by telex or
        facsimile transmission delivered or transmitted to the party to whom
        such notice or communication is directed, with confirmation thereupon
        given in writing and personally delivered or mailed by prepaid certified
        or registered mail.

                                       3
<PAGE>

        If to Other Debenture Holders:

        c/o John W. Roblin
        Cover-All Technologies Inc.
        18-01 Pollitt Drive
        Fair Lawn, NJ 07410
        Telephone: (201) 794-4800
        Facsimile: (201) 475-9287

        with a copy to:

        Piper Marbury Rudnick & Wolfe LLP
        1251 Avenue of the Americas
         New York, New York 10021
        Attn: Leonard Gubar, Esq.
        Telephone: (212) 835-6020
        Facsimile: (212) 835-6001

        If to Lender to:

        Renaissance US Growth & Income Trust PLC
        c/o Renaissance Capital Group, Inc.
        8080 North Central Expressway, Suite 210-LB59
        Dallas, Texas 75206
        Attn.: John A. Schmit
               Vice President
        Telephone: (214) 891-8294
        Facsimile: (214) 891-8291

        BFSUS Special Opportunities Trust PLC
        c/o Renaissance Capital Group, Inc.
        8080 North Central Expressway, Suite 210-LB59
        Dallas, Texas 75206
        Attn.: John A. Schmit
               Vice President
        Telephone: (214) 891-8294
        Facsimile: (214) 891-8291

                                       4
<PAGE>

        with a copy to:

        Norman R. Miller, Esq.
        Kirkpatrick & Lockhart LLP
        1717 Main Street, Suite 3100
        Dallas, Texas 75201
        Telephone:  (214) 939-4906
        Facsimile:  (214) 939-4949

                Any notice delivered personally in the manner provided herein
        will be deemed given to the party to whom it is directed upon the
        party's (or its agent's) actual receipt. Any notice addressed and mailed
        in the manner provided herein will be deemed given to the party to whom
        it is addressed at the close of business, local time of the recipient,
        on the fourth business day after the day it is placed in the mail, or,
        if earlier, the time of actual receipt.

                h.      Capitalized terms used herein, unless otherwise defined
        herein, have the definitions given them in the Loan Agreement, the
        Pledge Agreement, the Borrower's Security Agreement and the Subsidiary
        Security Agreement, all among Borrower, Lender and RCG.

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK;
                            SIGNATURE PAGE FOLLOWS.]

                                       5
<PAGE>

        IN WITNESS WHEREOF, this Agreement has been duly executed as of the date
and year written above.

                                     LENDER:

                                     RENAISSANCE US GROWTH & INCOME TRUST PLC

                                     By:    ____________________________________
                                     Name:  Russell Cleveland
                                     Title: Director

                                     BFSUS SPECIAL OPPORTUNITIES TRUST PLC

                                     By:    ____________________________________
                                     Name:  Russell Cleveland
                                     Title: Director

                                     OTHER DEBENTURE HOLDERS:

                                     ___________________________________________
                                     John W. Roblin

                                     __________________________________________
                                     Arnold Schumsky

                                     __________________________________________
                                     Stuart Sternberg

                                       6

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