Document:

Exhibit 10.4

Exhibit 10.4

SHARE PURCHASE AGREEMENT

	
THIS AGREEMENT made as of the 12th day of October, 2004.

	 
	
BETWEEN:

	 
	 	 	 	
FIRSTBINGO.COM,

	 	 	 	
a company incorporated under the laws of

	 	 	 	
the State of Nevada, in the United States of 

	 	 	 	
America;

	 
	 	 	 	
(the "Purchaser")

	 
	 	 	 	 	 	 	
- and -

	 
	 	 	 	
CHARLES DEBONO,

	 	 	 	
of the Town of Innisfil, in Simcoe County,

	 	 	 	
In the Province of Ontario;

	 	 	 	
(hereinafter individually known as, "DeBono")

	 
	 	 	 	
JEFFERY ROOP,

	 	 	 	
of the City of Toronto, in the Province of

	 	 	 	
Ontario;

	 	 	 	
(hereinafter individually known as, "Roop")

	 
	 	 	 	
STEPHEN I. BURMAN,

	 	 	 	
of the City of Toronto, in the Province of

	 	 	 	
Ontario;

	 	 	 	
(hereinafter individually known as, "Burman")

	 
	 	 	 	
(collectively, known as the "Vendors")

	 
	 	 	 	 	 	 	
- and -

	 
	 	 	 	
WORLDWIDE-EXCLUSIVE LTD.,

	 	 	 	
a company incorporated under the laws of

	 	 	 	
the Province of Ontario

	 
	 	 	 	
(the "Corporation")

RECITALS:

WHEREAS the Vendors are the registered and beneficial owners of all of the issued and outstanding shares (the "Purchased Shares") in the capital stock of the Corporation;

 

AND WHEREAS the Vendors wish to sell the Purchased Shares to the Purchaser and the Purchaser agrees to purchase the Purchased Shares from the Vendors, in accordance with the terms and conditions of this Agreement;

AND WHEREAS, the Boards of Directors of the Purchaser and the Corporation have approved the acquisition by the Purchaser of One Hundred percent (100%) of the issued and outstanding shares of the Corporation, in exchange for stock of the Purchaser, pursuant to the terms and conditions herein after set forth (the "Exchange");

THIS AGREEMENT WITNESSES that in the consideration of the foregoing recitals, which shall be considered an integral part of this Agreement, and the covenants, conditions, agreements, representations, warranties and payment hereinafter set out and provided for, the parties hereto covenant and agree as follows:

	
DEFINITIONS:

	 
	
1. 
	
The following terms shall have the following meaning throughout this Agreement:

	 
	 	
a) 
	
the "Corporation" shall mean Worldwide-Exclusive Ltd.;

	 
	 	
b) 
	
the "Closing" and "Closing Date" shall mean October 12, 2004, or such earlier or later date as the parties may agree to;

	 
	 	
c) 
	
the "Purchase Price" shall mean an aggregate total of Thirty Thousand (30,000) restricted common shares from the Purchaser's Treasury, to be divided equally amongst, DeBono, Roop and Burman; and 

	 
	 	
d) 
	
the "Purchased Shares" shall mean all the issued and outstanding shares of the Corporation, as follows:

	 
	 	 	
(i) 
	
the One Hundred (100) Common Shares of the Corporation owned by DeBono, the One Hundred (100) Common Shares of the Corporation owned by Roop, and the One Hundred (100) Common Shares of the Corporation owned by Burman, and the certificates or other documents issued by the Corporation, so evidencing those rights and those rights and interests, now owned by the Vendors.

ARTICLE 1 - PURCHASED SHARES AND PURCHASE PRICE

1.1 Subject to the terms and conditions hereof, the Vendors hereby agree to sell, transfer and assign the Purchase Shares to the Purchaser and the Purchaser agrees to purchase from the Vendors the Purchased Shares.

1.2 The Purchase Price payable by the Purchaser to the Vendors for the Purchased Shares shall be an aggregate total of 30,000 shares of restricted common stock from the Purchaser's Treasury, divided equally amongst, DeBono, Roop and Burman, as follows:

 

 - 2 - 

	 	
a) 
	
Ten Thousand (10,000) restricted Common Shares in the capital stock of the Purchaser to be issued to DeBono;

	 
	 	
b) 
	
Ten Thousand (10,000) restricted Common Shares in the capital stock of the Purchaser to be issued to Roop;

	 
	 	
c) 
	
Ten Thousand (10,000) restricted Common Shares in the capital stock of the Purchaser to be issued to Burman;

ARTICLE 2 - TERMS OF PURCHASE

2.1 The Vendors will sell the Purchased Shares to the Purchaser, at Closing.

2.2 The Purchaser will acquire the Purchased Shares by paying the Purchase Price to the Vendors at Closing.

2.3 The Vendors will prepare and file all necessary tax returns for the Corporation for the 2003 and 2004 year ends.

ARTICLE 3 - COVENANTS, REPRESENTATIONS

AND WARRANTIES OF THE VENDORS

3.1 The Vendors covenant, represent and warrant as follows and acknowledge that the Purchaser is relying upon such covenants, representations and warranties in connection with the purchase by the Purchaser of the Purchased Shares:

	 	
a) 
	
The Corporation has been duly incorporated and is organized, validly subsisting and in good standing under the laws of the Province of Ontario.

	 
	 	
b) 
	
The Corporation is duly qualified as a corporation to do business and is in good standing in each jurisdiction, in which the nature of the business conducted by it or the property owned or leased by it makes such a qualification necessary.

	 
	 	
c) 
	
The authorized capital of the Corporation consists of an unlimited number of common shares, of which, 300 common shares have been duly issued and are outstanding, as fully paid up and non-assessable in favour of the Vendors, herein known as the Purchased Shares.

	 
	 	
d) 
	
No person, firm or corporation has any agreement or option, or any right or privilege capable of becoming an agreement or option for the purchase from the Vendors of any of the Purchased Shares.

 

 - 3 - 

	 	
e) 
	
No person, firm or corporation has any agreement or option or any right or privilege capable of becoming an agreement, including convertible securities, warrants or convertible obligations of any nature, for the purchase, subscription, allotment or issuance of any of the unissued shares in the capital of the Corporation or of any securities of the Corporation.

	 
	 	
f) 
	
The Vendors are the registered and beneficial owners of the Purchased Shares, with good and marketable title thereto, free and clear of any pledge, lien , charge, encumbrance or security interest of any kind and the Vendors have the power and authority and right to sell the Purchases Shares, in accordance with the terms of this Agreement.

	 
	 	
g) 
	
The books and records of the Corporation fairly and correctly set out and disclose in all material respects, on a basis consistent with past practices. The financial position of the Corporation as of the date hereof and all material financial transactions of the Corporation relating to its business have been accurately recorded in such books and records.

	 
	 	
h) 
	
The corporate records and minutes of the Corporation contain complete and accurate minutes of all meetings of the directors and shareholders of the Corporation held since incorporation of the Corporation held since incorporation of the Corporation, all such meetings were duly called and held, the share certificate books, register of shareholders, register of transfers, and register of directors of the Corporation are complete and accurate and all exigible tax payable in connection with the transfer of any securities of the Corporation has been duly paid.

	 
	 	
i) 
	
There are no actions, suits, proceedings, investigations or claims now threatened or pending against the Corporation in respect of taxes, governmental charges or assessments, or any matters under discussion with any governmental authority relating to taxes, governmental charges or assessments asserted by any such authority.

	 
	 	
j) 
	
The Corporation has no loans or indebtedness outstanding which have been made to directors, former directors, officers, shareholders and/or employees of the Corporation or to any person or corporation not dealing at arms length with nay of the foregoing.

	 
	 	
k) 
	
The Corporation has good and marketable title to its assets, free and clear of any and all claims, liens, encumbrances and security interests whatsoever.

	 
	 	
l) 
	
The Vendors are not a non-resident of Canada, within the meaning of the Income Tax Act (Canada).

	 
	 	
m) 
	
The Corporation has no subsidiaries or agreements of any nature to acquire any subsidiary or to acquire or lease any other business operations and will not prior to the time of closing acquire, or agree to acquire, any subsidiary or business without the prior written consent of the Purchaser. 

 

 - 4 - 

	 	
 n)
	
Up to the time of closing there has been no change and will have been no change in the business, operations, affairs or condition of the Corporation, financial or otherwise, or arising as a result of any legislative or regulatory change, revocation of any licence or right to do business, fire, explosion, accident, casualty, labour trouble, flood, drought, riot, storm, condemnation, act of God or otherwise, except changes occurring in the ordinary course of business which changes have not adversely affected and will not adversely affect the organization, business, properties, prospects and financial condition of the Corporation.

	 
	 	
o) 
	
All receivables recorded on the books of the Corporation are bona fide and good and are collectable without set off or counterclaim.

	 
	 	
p) 
	
The Corporation has duly and timely filed all tax returns required to be filed by it and has paid all taxes, which are due and payable, and has paid all assessments and reassessments, and all other taxes, governmental charges, penalties, interest and fines due and payable by it on or before the date hereof, including all payments for GST that will be due and owing as of the Closing hereof. The Canadian federal income tax liability of the Corporation has been assessed by Revenue Canada for all fiscal years to the date hereof, Adequate provision has been made for taxes payable for the current period for which tax returns are not yet required to be filed. There are no agreements, waivers or other arrangements providing for an extension of time with respect to the filing of any tax return by, or payment of any tax, governmental charge or deficiency against, the Corporation. There are no actions, suits, proceedings, investigations or claims now threatened or pending against the Corporation in respect of taxes, governmental charges or assessments, or any matters under discussion with any governmental authority relating to taxes, governmental charges or assessments asserted by any such authority. The Corporation has withheld from each payment made to any of its present or former officers, directors, and employees the amount of all taxes, including but not limited to income tax, and other deductions required to be withheld therefrom and has paid the same to the proper tax or other receiving officers within the time required under any applicable tax legislation. 

	 
	 	
q) 
	
The business of the Corporation has been and will be carried on in the ordinary and normal course up to the time of closing.

	 
	 	
r) 
	
The Corporation has not, directly or indirectly, declared or paid any dividends or declared or made any other distribution on any of its shares of any class except as recorded in its books and records, and has not, directly or indirectly, redeemed, purchased or otherwise acquired any of its shares of any class or agreed to do so.

 

 

 - 5 - 

	 	
s) 
	
The Corporation is not a party to or bound by any agreement of guarantee, indemnification, assumption or endorsement or any other like commitment of the obligations, liabilities (contingent or otherwise) or indebtedness of any other person, firm or corporation.

	 
	 	
t) 
	
The Corporation is not a party to any written or oral employment, service or pension agreement.

	 
	 	
u) 
	
The Corporation does not have any outstanding agreement (including employment agreements), contract or commitment, whether written or oral, of any nature or kind whatsoever.

	 
	 	
v) 
	
The Corporation is not in default or breach of any contracts or agreements (written or oral), or indentures or other instruments to which it is a party and there exists no state of facts which after notice or lapse of time or both would constitute such default or breach, and all such contracts, agreements, indentures or other instruments are now in good standing and the Corporation is entitled to all benefits thereunder except as otherwise disclosed herein. The Corporation is under no obligation in respect of its business, which the Corporation cannot reasonably be expected to fulfill in the ordinary course of its business.

	 
	 	
w) 
	
There are not material liabilities of the Corporation of any kind whatsoever, whether or not accrued and whether or not determined or determinable, in respect of which the Corporation or the Purchaser may become liable on or after the consummation of the transactions contemplated by this Agreement other than:

	 
	 	 	
i) 
	
liabilities disclosed on, reflected in or provided for in the financial statements of the Corporation.

	 
	 	 	
ii) 
	
liabilities disclosed or referred to in this Agreement; and 

	 
	 	 	
iii) 
	
liabilities arising solely due to actions of the Purchaser.

3.2 The covenants, representations and warranties of the Vendors contained in this Agreement and contained in any document or certificate given pursuant hereto, shall survive the closing of the purchase and sale of the Purchased Shares herein provided for and, notwithstanding such closing, or any investigation made by or on behalf of the Purchase, shall continue in full force and effect for the benefit of the Purchaser for a period of One (1) year following closing of the transaction provided for herein, after which time the Vendors shall be released from all obligations and liabilities hereunder in respect of such representations and warranties except, with respect to any claims made by the Purchaser in writing prior to the expiration of such period.

 

 - 6 - 

ARTICLE 4 - COVENANTS, REPRESENTATIONS

AND WARRANTIES OF THE PURCHASER

	
4.1
	
The Purchaser covenants with the Vendors as follows:

	 
	 	
a) 
	
That it is a company duly organized, validly existing and in good standing under the laws of the State of Nevada, has all requisite power and authority to carry on its business as now being conducted.

	 
	 	
b) 
	
That it has all requisite power and authority to enter into this Agreement and to consummate the transactions contemplated hereby. The execution of this Agreement and the consummation of the transactions have been duly authorized by the Board of Directors of the Purchaser.

	 
	 	
c) 
	
to comply with their obligations under this Agreement.

ARTICLE 5 - CONDITIONS OF CLOSING

	
5.1 
	
The sale and purchase of the Purchase Shares are subject to the following terms and conditions for the exclusive benefit of the Purchaser to be fulfilled or performed at or prior to closing:

	 
	 	
a) 
	
The transaction contemplated by this Agreement shall be completed on or before the Closing Date at the office of the Purchaser's solicitor, Thomas Sheppard, at 488 Huron Street, Toronto, Ontario M5R 2R3.

	 
	 	
b) 
	
The covenants, representations and warranties of the Vendors contained in Article 3 hereof, shall be true and correct as of the date hereof, and shall be true and correct on and as of closing with the same force and effect as though such covenants, representations and warranties had been made on and as of such date.

	 
	 	
c) 
	
On closing, the Vendors shall deliver:

	 
	 	 	
i) 
	
The Vendors shall have delivered to the Purchaser such share certificates and other documents, as may be required to complete the transfer and conveyance of the Purchased Shares to the Purchaser. These Purchased Shares to be conveyed hereunder, should be fully-executed as may be required, to the Purchaser on Closing with a clear title free of all or any encumbrances.

	 
	 	 	
ii) 
	
The Vendors shall have delivered to the Purchaser the corporate records, minute book, seal and any other corporate records relating to the Corporation, and any and all records relating to the corporation or its business whatsoever which are in their possession.

 

 - 7 - 

	 	 	
iii) 
	
The Vendors shall have delivered to the Purchaser resignations in their respective capacity as officers and directors of the Corporation and shall have delivered resignations of any of its nominees.

	 
	 	
d) 
	
On closing, the Purchaser will deliver:

	 
	 	 	
i) 
	
resolutions of the directors of the Corporation approving this agreement and the completion of this transaction.

	 
	 	 	
ii) 
	
the shares of the Purchaser issued to the Vendors, as set out in the Purchase Price.

	 
	 	 	
iii) 
	
such other documents as the solicitors for the parties may reasonably require.

ARTICLE 6 - INDEMNIFICATION

6.1 The Vendors agree to indemnify and save harmless the Purchaser and the Corporation of and from any loss whatsoever arising out of, under or pursuant to:

a)     any material loss suffered by the Purchaser or the Corporation as a result of any breach or inaccuracy of representation, warranty or covenant contained in this Agreement; and 

b)     all claims, demands, costs and expenses reasonably incurred in respect of the foregoing.

c)     The Vendors hereby further indemnifies the Purchaser and the Corporation from any future claims, causes of actions, suits, audits and any and all disputes arising therefrom during the period of ownership by the Vendors.

6.2 The Purchaser agrees to jointly and severally indemnify the Vendors and save them harmless from and with respect to any and all losses, claims, damages or obligations they may suffer or assume as a result of any misrepresentation by the Purchaser set out in this Agreement or any document delivered on Closing, or any failure by the Purchaser to fulfil their obligations under this Agreement of any document delivered on Closing, or any debt, liability or obligation of the Purchaser of any kind whatsoever incurred before or after Closing except for debts, liabilities or obligations incurred by the Vendors on the Corporation's behalf, which the Vendors did not disclose to the Purchaser prior to Closing.

ARTICLE 7 - GENERAL

7.1Each of the parties hereto will from time to time at the other's request and expense and without further consideration, execute and deliver such other instruments of transfer, conveyance and assignment and take such further action as the other may require to more effectively complete any matter provided for herein.

 

 - 8 - 

7.2Any notice, direction or instrument require or permitted to be given to the Vendors hereunder shall be in writing and may be given by mailing the same postage prepaid or delivering the same addressed to the Vendors at the address of the Vendors first above mentioned.

7.3Any notice, direction or other instrument required or permitted to be given to the Purchaser hereunder shall be in writing and may be given by mailing the sam e postage prepaid, or delivering the same addressed to the Purchaser at the address of the Purchaser first above mentioned.

7.4The Parties may change their addresses for service from time to time by notice given in accordance with the foregoing.

7.5Time shall be of the essence of this Agreement.

7.6This Agreement including the Schedules hereto, if any, constitutes the entire agreement between the parties, and there are no other terms, conditions, provisos, representations or warranties except as expressly contained therein in writing.

7.7This Agreement shall be construed and enforced in accordance with, and the rights of the parties shall be governed by the laws of the Province of Ontario.

7.8This Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective heirs, legal personal representative, successors and assigns. 

7.9The parties acknowledge that the recitals herein are true and correct in all material respects.

7.10This Agreement may be executed by telefax and in counterpart, each of which shall be deemed to be an original and all of which taken together shall constitute one and the same instrument.

7.11The parties acknowledge that: (a) they have read and understood this agreement; and (b) have obtained independent legal advice in connection with this agreement and the provisions thereof.

 

 

 - 9 - 

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

	 	
FIRSTBINGO.COM

	 
	 
	 	
Per:
	
/s/ Richard L. Wachter

	 	 	
Richard L. Wachter, President

	 	 	 
	 	
Per:
	
/s/ Thomas M. Sheppard

	 	 	
Thomas M. Sheppard, C.E.O.

	 	 	 
	 	 	
We have authority to bind the Corporation

	 	 	 
	 	 	 
	
/s/ Thomas Sheppard
	 	
/s/ Charles DeBono

	
WITNESS
	 	
CHARLES DEBONO

	 	 	 
	
/s/ Thomas Sheppard
	 	
/s/ Jeffery Roop

	
WITNESS
	 	
JEFFERY ROOP

	 	 	 
	 	 	 
	
/s/ Thomas Sheppard
	 	
/s/ Stephen I. Burman

	
WITNESS
	 	
STEPHEN I. BURMAN

	 	 	 
	 	 	 
	 	 	 
	 	 	
WORLDWIDE-EXCLUSIVE LTD.

	 	 	 
	 	 	 
	 	
Per:
	
/s/ Charles DeBono

	 	 	
Charles DeBono, President

	 	 	 
	 	 	 
	 	
Per:
	
/s/ Jeffery Roop

	 	 	
Jeffery Roop, Secretary

	 	 	 
	 	 	
We have authority to bind the Corporation

 

 

 

 

 

 - 10 -Exhibit 10.11

Eighth Amendment To

Mortgage Warehouse Loan And
Security Agreement

This Eighth Amendment to Mortgage Warehouse Loan and
Security Agreement (this "Amendment"), made by and between FIRST PREFERENCE
MORTGAGE CORP., a Texas corporation  ("Borrower"), COLONIAL BANK, N.A.
(f/k/a Colonial Bank), a national banking association, as lender ("Lender"), is
dated as of the 31st day of December, 2004.

R  E  C  I  T  A  L  S:

Pursuant to that certain Mortgage
Warehouse Loan and Security Agreement dated as of December 28, 2000, as amended
by that certain First Amendment to Mortgage Warehouse Loan and Security
Agreement dated as of February 20, 2001, that certain Second Amendment to
Mortgage Warehouse Loan and Security Agreement dated as of April 10, 2001, that
certain Third Amendment to Mortgage Warehouse Loan and Security Agreement dated
as of August 29, 2001, that certain Fourth Amendment to Mortgage Warehouse Loan
and Security Agreement dated as of October 31, 2002, that certain Fifth
Amendment to Mortgage Warehouse Loan and Security Agreement dated as of April
30, 2003, that certain Sixth Amendment to Mortgage Warehouse Loan and Security
Agreement dated as of August 29, 2003, and that certain Seventh Amendment to
Mortgage Warehouse Loan and Security Agreement dated as of December 10, 2003
(as heretofore amended, the "Agreement"), Lender made available to Borrower,
subject to the terms and conditions thereof, a revolving line of credit loan in
the maximum aggregate principal amount not to exceed $35,000,000.00 (the "Line of
Credit").  

Lender's Commitment (as defined in the
Agreement) and the maximum principal amount of the Line of Credit were reduced
to $25,000,000.00 effective October 18, 2004 pursuant to a letter agreement
between Lender and Borrower of such date.

Pursuant to the provisions of the
Agreement, the Line of Credit, as temporarily extended by letter agreements
dated June 9, 2004, July 31, 204, August 24, 2004, September 28, 2004, October
18, 2004, November 30, 2004 and December 15, 2004, respectively, from Lender to
Borrower, matures on January 31, 2005.  Borrower has requested that Lender
agree to extend the scheduled maturity date of the Line of Credit to March 31,
2005 at a maximum principal amount of $25,000,000.00 and to make certain other
changes, and Lender is willing to do so, but only on the express condition,
among others, that Borrower enters into this Amendment, pursuant to which the
Agreement shall be amended and modified.

NOW, THEREFORE, in consideration of the
premises and agreements contained herein, and for good and valuable
consideration, the receipt and sufficiency of which are acknowledged by the
parties hereto, the parties hereto do hereby agree, each with the other, as
follows:

1.          If not otherwise defined herein or
the context shall not expressly indicate otherwise, all capitalized terms which
are used herein shall have their respective meanings given to them in the
Agreement.

2.          Section 1.1 (Defined Terms)
of the Agreement is hereby amended as follows:

(A)       By amending and restating the
definition of "Adjusted Tangible Net Worth" to read in its entirety as follows:

 

"Adjusted Tangible Net Worth"
shall mean GAAP Net Worth, minus loans and advances owing to Borrower
from officers, directors, stockholders and other Affiliates  and employees of
Borrower (if any), minus investments in Affiliates of Borrower, plus
that portion of Subordinated Debt (if any) that is not due within one (1) year.

(B)        By amending and restating the
definition of "Advance Rate Amount" to read in its entirety as follows:

"Advance Rate Amount" shall mean
(i) with respect to any Eligible Conforming Mortgage Loan, an amount equal to
ninety-nine percent (99%) of the amount to be paid by the Approved Investor for
the Mortgage Loan pursuant to a binding Investor Commitment (i.e.,
"commitment"), not to exceed the current unpaid principal balance of such
Mortgage Loan (i.e., "par"), (ii) with respect to any Eligible
Non-Conforming Mortgage Loan, an amount equal to ninety-eight percent (98%) of
the lesser of (a) par or (b) commitment, (iii) with respect to any
Eligible Repurchased Mortgage Loan, an amount equal to ninety percent (90%) of
the least of (a) the repurchase price of such Mortgage Loan, (b) the
market value of the Property securing such Mortgage Loan as established by the
most recent appraisal or broker's price opinion (subject to the provisos in
subsection (g) of the definition of Eligible Repurchased Mortgage Loan) of the
Property securing such Mortgage Loan, or (c) the outstanding principal
amount of the promissory note evidencing such Mortgage Loan, and (iv) with
respect to any Eligible Wet Mortgage Loan, an amount equal to the Advance Rate
Amount applicable to the Type of Mortgage Loan supporting the Advance.  

(C)       By amending and restating the
definition of "Commitment" to read in its entirety as follows:

"Commitment" shall mean the commitment of
Lender to make Advances to Borrower which Advances in the aggregate, subject to
each applicable Sublimit, shall not exceed $25,000,000.00 at any time
outstanding.

(D)      By amending the definition of "Eligible
Mortgage Loan" to amend and restate subparagraph (b) thereof and to add a new
subparagraph (u) and a new subparagraph (v) thereto to read in their
entireties, respectively, as follows:

(b)       such Mortgage Loan is
secured by a first priority mortgage (or deed of trust) on the Property
encumbered thereby which Property is located in a state in which Borrower is
duly licensed and qualified to conduct its mortgage banking business; provided,
however, if such Mortgage Loan meets the requirements of an Eligible
Non-Conforming Mortgage Loan, it may be secured by a second priority mortgage
(or deed of trust) on the Property encumbered thereby;

 

	
  2

  

 

(u)       unless otherwise approved by
Lender from time to time, in its sole discretion and in writing, the improvements
on the Property encumbered by such Mortgage Loan shall consist of any one of
the following that is completed: (i) a detached, one-family dwelling, (ii) a
detached two-to-four family dwelling, (iii) a one-family dwelling in a
condominium project, or (iv) a detached one-family dwelling in a planned unit
development, none of which (x) is a cooperative or a mobile or manufactured
home unless, in the case of a mobile or manufactured home, it is affixed to the
real property and is encumbered by a first priority mortgage (or deed of trust)
both on such real property and on such mobile or manufactured home that has
priority over any other Lien on such mobile or manufactured home, whether or
not arising under applicable real property law; (y) does not constitute real
property under applicable state law, or (z) contains any commercial operations
(other than in the nature of an in-home office); and

(v)       the initial principal amount
of such Mortgage Loan does not exceed $1,000,000.00 (the "Per Loan Limit");
provided, if such Mortgage Loan is underwritten by Borrower, the initial
principal amount thereof does not exceed $650,000.00 or, if the initial
principal amount thereof exceeds $650,000.00 (but, in no event, shall any
Mortgage Loan exceed the Per Loan Limit, unless otherwise approved by Lender in
its sole and absolute discretion on a case-by-case basis), such Mortgage Loan
has been underwritten and approved by the Approved Investor under such Investor
Commitment.

(E)       By amending and restating the
definition of "Eligible Non-Conforming Mortgage Loan" to read in its entirety
as follows:

"Eligible Non-Conforming Mortgage Loan" shall
mean a Mortgage Loan with respect to which each of the following statements is
true and correct:

            (a)        such
Mortgage Loan is an Eligible Mortgage Loan, except that if such Mortgage Loan
otherwise meets the requirements of an Eligible Mortgage Loan, such Mortgage
Loan may be secured by a second priority (rather than a first priority)
mortgage (or deed of trust) on the Property encumbered thereby;

            (b)        the
Property encumbered by such Mortgage Loan is owner occupied and is not an
investment property;

            (c)       such
Mortgage Loan conforms to the credit quality guidelines utilized by Fitch
IBCA or such other nationally recognized credit ratings agency or firm as
specified by Lender as set forth in Exhibit E and otherwise conforms to
all underwriting and other requirements of one of the Approved Investors other
than FNMA, FHLMC or FHA/VA (such as by way of illustration and not limitation,
Mortgage Loans which are A- (except those that have been included as Eligible
Conforming Mortgage Loans), B, C, high loan-to-value ratio, second mortgages or
HELOC's), which underwriting and other requirements are customary in the
mortgage banking industry and have been approved by Lender in writing, except
that Mortgage Loans rated "D" or below shall be ineligible;

            (d)        such
Mortgage Loan is pre-sold on a "flow basis" or, if sold on a "bulk basis", is
underwritten to specific Approved Investor guidelines deeming it eligible for
purchase pending documentation review; and

	
  3

  

 

            (e)        such
Mortgage Loan, if an "A-" Mortgage Loan, has not been included as an Eligible
Conforming Mortgage Loan; and

            (f)        the
initial principal amount of such Mortgage Loan, if underwritten by Borrower,
does not exceed $650,000.00 or, if the initial principal amount thereof exceeds
$650,000.00, such Mortgage Loan has been underwritten and approved by the
Approved Investor under such Investor Commitment.

(F)       By amending and restating the
definition of "LIBOR Rate" to read in its entirety as follows:

                        "LIBOR
Rate" shall mean the rate that appears on the display designated as page
"3750" of the Telerate Service (or such other page as may replace page 3750 of
that service) as of 11:00 a.m., Orlando time, on each Banking Day or, if not so
reported on such service, as otherwise quoted by Lender from time to time, as
the 30-day LIBOR Rate, adjusted daily with each change in the 30-day LIBOR
Rate; provided, however, in no event shall the LIBOR Rate be less
than the floor rate per annum equal to 2.50% (which floor rate may be changed
from time to time by Lender after consultation with the Treasury Department of
Lender) or greater than the ceiling rate per annum equal to the Prime Rate.

(G)        By amending and restating the definition
of "Maturity Date" to read in its entirety as follows:

                        "Maturity
Date" shall mean March 31, 2005; provided, that upon the written
request of Borrower to Lender, Lender may elect to extend the Maturity Date on
such terms and conditions as it deems appropriate in its sole discretion.

(H)        By amending and restating the
definition of "Prime Rate" to read in its entirety as follows:

                        "Prime
Rate" shall mean the fluctuating interest rate per annum announced by
Lender from time to time as its Prime Rate as such Prime Rate may change from
time to time, adjusted daily with each change in such Prime Rate (which
interest rate is only a benchmark, is purely discretionary and is not
necessarily the best or lowest rate charged borrowing customers of Lender); provided,
however, in no event shall the Prime Rate be less than the floor rate
per annum equal to 5.50% (which floor rate may be changed from time to time by
Lender after consultation with the Treasury Department of Lender).

(I)        By amending and restating the
definition of "Sublimit A" to read in its entirety as follows:

"Sublimit A" shall mean a portion of the Line
of Credit up to but not exceeding $25,000,000.00, which shall be available to
warehouse Sublimit A Mortgage Loans.

(J)        By amending and restating the
definition of "Sublimit B" to read in its entirety as follows:

"Sublimit B" shall mean a portion of the Line
of Credit up to but not exceeding $6,250,000.00 (increasing to $8,750,000.00
during the last five (5), followed by the first five (5) Banking Days of each
month), which shall be available to warehouse Sublimit B Mortgage Loans.

	
  4

  

 

(K)      By amending and restating the
definition of "Sublimit C" to read in its entirety as follows:

"Sublimit C" shall mean a portion of the Line
of Credit up to but not exceeding $2,500,000.00, which shall be available to
warehouse Sublimit C Mortgage Loans.

(L)       By amending and restating the
definition of "Sublimit D" to read in its entirety as follows:

"Sublimit D" shall mean a portion of the Line
of Credit up to but not exceeding $625,000.00, which shall be available to
warehouse Sublimit D Mortgage Loans.

(M)      By amending and restating the
definition of "Warehouse Period" to read in its entirety as follows:

"Warehouse Period" shall mean, for any Mortgage
Loan, the period commencing on the Advance Date for such Mortgage Loan and
ending on the first to occur of: 

            (a)
       in the case of any Sublimit A Advance, ninety (90) days after such
Advance Date; 

            (b)
       in the case of any Sublimit B Advance, seven (7) Banking Days after such
Advance Date unless the Required Documents and, if requested by Lender, the
Additional Required Documents, supporting such Advance have been delivered to
and accepted by Lender; 

            (c)        in
the case of any Sublimit C Advance, one hundred twenty (120) days after such
Advance Date;

            (d)        in
the case of any Sublimit D Advance, three hundred sixty (360) days after such
Advance Date; provided, however, on or before each of the 91st
day in the warehouse, the 181st day in the warehouse, the 271st day in the
warehouse, and the 360th day in the warehouse, the amounts required for such
Mortgage Loan to constitute an Eligible Repurchased Mortgage Loan must be
repaid; 

            (e)        expiration
of the Investor Commitment for such Mortgage Loan or certificate covering same;

            (f)       if
applicable, within fourteen (14) days after redelivery by Lender to Borrower of
any non-conforming instrument or document for correction unless Borrower has
completed correction thereof and has delivered the same to Lender within such
14-day period; or 

            (g)       in
the case of any Sublimit A Advance, Sublimit B Advance or Sublimit C Advance,
five (5) Banking Days after the Mortgage Loan supporting such Advance is
rejected by an Approved Investor for any reason unless such Mortgage Loan is
re-committed within such time period.  

	
  5

  

 

Notwithstanding
the foregoing, if a collateral package is returned to Lender after shipment to
an Approved Investor, the subject Mortgage Loan, in any event, shall be repaid
within the applicable Warehouse Period set forth above; provided, however,
Mortgage Loans originally funded under Sublimit A or Sublimit C may be rolled
into Sublimit D if applicable.

3.        Section 2.4 (Note) of the
Agreement is hereby amended to delete the term "$35,000,000.00" therefrom and
to substitute the term "$25,000,000.00" in lieu thereof.  

4.          Subsection
(a) of Section 2.5 (Interest) of the Agreement is hereby amended and restated
to read in its entirety as follows:

(a)        Except as otherwise provided in this
Agreement, the principal amount of each Advance owed to Lender shall bear
interest at an annual interest rate equal to the lesser of: (i) the Maximum
Rate or (ii) (A) for Sublimit A Advances, the LIBOR Rate plus 1.90% (190 basis
points), floating daily, subject, however, to adjustment to the LIBOR Rate plus
2.15% (215 basis points), floating daily, if the Mortgage Loan funded with the
Advance is warehoused with Lender for more than sixty (60) days (such
adjustment to be effective on day 61 in the warehouse), (B) for Sublimit B
Advances, the LIBOR Rate plus 2.15% (215 basis points), floating daily, (C) for
Sublimit C Advances, the LIBOR Rate plus 2.40% (240 basis points), floating
daily, subject, however, to adjustment to the LIBOR Rate plus 2.65% (265 basis
points), floating daily, if the Mortgage Loan funded with the Advance is
warehoused with Lender for more than sixty (60) days (such adjustment to be
effective on day 61 in the warehouse), and (D) for Sublimit D Advances, the
LIBOR Rate plus 2.65% (265 basis points), floating daily.  Notwithstanding the
foregoing, if Lender specifically agrees, in its sole and absolute discretion
and on a case-by-case basis, to allow a Mortgage Loan to stay in warehouse
longer than the Warehouse Period applicable thereto or if Lender otherwise
agrees to accept or to continue to hold as security for repayment of Advances
any Mortgage Loan which Lender is not required to so accept or hold under
Section 2.7(d) then, in addition to any principal prepayments required by
Section 2.7, the outstanding principal amount of the related Advance owed to
Lender shall bear interest during the period of time such Mortgage Loan is in
the warehouse in excess of such Warehouse Period or during any period of time
such Mortgage Loan is not required to be accepted or held by Lender as security
for repayment of Advances under Section 2.7(d) at an annual interest rate equal
to the lesser of: (i) the Maximum Rate or (ii) the Interim Default Rate.  Any change in the interest rate due to a change in
the LIBOR Rate or the Prime Rate, as applicable, shall be effective at the
beginning of the Banking Day on which such change is announced.

5.         Section 2.7 (Mandatory Repayments)
of the Agreement is hereby amended to amend and restate the second (2nd)
sentence of subsection (d) thereof to read in its entirety as follows:

In addition, in the case of any Mortgage Loan funded
under a Sublimit D Advance but not repaid in full within (i) ninety (90) days
after the Advance Date with regard to such Mortgage Loan, Borrower shall
immediately repay to Lender at least 15% (based on the initial value) of such
Sublimit D Mortgage Loan on or before the 91st day in the warehouse, (ii) one
hundred eighty (180) days after the Advance Date with regard to such Mortgage
Loan, Borrower shall immediately repay to Lender an additional 25% (based on
the initial value) of such Sublimit D Mortgage Loan on or before the 181st day
in the warehouse, (iii) two hundred seventy (270) days after the Advance Date
with regard to such Mortgage Loan, Borrower shall immediately repay to Lender
another 25% (based on the initial value) of such Sublimit D Mortgage Loan on or
before the 271st day in the warehouse, and (iv) three hundred sixty (360) days
after the Advance Date with regard to such Mortgage Loan, Borrower shall
immediately repay to Lender the remaining 25% (based on the initial value) of
such Sublimit D Mortgage Loan on or before  day 360 in the warehouse, together,
in each instance, with all accrued and unpaid interest thereon.

	
  6

  

 

6.          Clause (d) of Section 4.7 of the
Agreement is hereby amended and restated to read in its entirety as follows:

(d)        prior to each renewal of the Line of Credit
and at any other reasonable time, upon request by Lender, to exhibit and to
allow inspection by Lender (or Persons designed by Lender) of the Collateral
and the records concerning the Collateral and to pay the reasonable fees and
costs in connection with Lender's periodic compliance audits of Borrower, and
in addition to the foregoing to allow to be conducted third party operations
audits of Borrower (which results must be satisfactory to Lender) and to pay directly
the reasonable fees and costs in connection with such third-party audits;

7.         Section 6.1(a)(v) (Secondary
Market Reports) of the Agreement is hereby amended to delete the phrase "On
a monthly basis" therefrom and to replace with "No less frequently than on a
weekly basis".

8.         The last sentence of Section
6.1(c) of the Agreement is hereby amend and restated to read in its entirety as
follows:

Lender will be allowed to conduct, from time to time
at Borrower's expense (and prior to each renewal of the Line of Credit, if
any), financial and operational audits at Borrower's office during normal
business hours, including Lender's periodic compliance audits of Borrower's
operations and the Collateral, and Borrower shall pay the reasonable fees and
costs associated with such audits; and in addition to the foregoing, Borrower
will allow to be conducted third party operations audits of Borrower (which
results must be satisfactory to Lender), and Borrower will pay directly the
reasonable fees and costs in connection with such audits.

9.         Section 8.6 of the Agreement is
hereby amended and restated to read in its entirety as follows:

Section 8.6        Benefit of Agreement.

(a)        This Agreement shall be binding upon and
inure to the benefit of and be enforceable by the respective successors and
assigns of the parties hereto; provided, that Borrower may not assign or
transfer any of its interest or delegate any of its obligations under the Loan
Documents without the prior written consent of Lender and any such assignment
or transfer without the prior written consent of Lender shall be null and void.

(b)        Lender may at any time and from time to
time sell, assign, transfer, pledge or convey all or any portion of its rights
and/or delegate all or any portion of its obligations under this Agreement and
the other Loan Documents (including, without limitation, the Line of Credit or
Advances made by Lender to Borrower thereunder to fund specific Mortgage Loans
or the Commitment or any other interest in the Loan Documents) to any Person,
including, without limitation, Affiliates of Lender (each, an
"Assignee"), without notice to or consent by Borrower or any other
Person.  Borrower hereby agrees that upon any such sale, assignment, transfer,
pledge, conveyance or delegation by Lender, Assignee shall have, to the extent
of such sale, assignment, transfer, pledge or conveyance, the same rights and
benefits as it would have if it were the Lender under the Loan Documents and
the holder of the Note, except as otherwise provided therein, provided,
that Borrower shall have no duty to recognize the Assignee absent receipt by it
of notice of such sale, assignment, transfer, pledge, conveyance or delegation.

	
  7

  

 

(c)        Lender may, without notice to or consent by
Borrower or any other Person, sell participations in all or any part of the
Line of Credit or Advances made by Lender to Borrower (including, without
limitation, the Line of Credit or Advances made by Lender to Borrower
thereunder to fund specific Mortgage Loans or the Commitment or any other
interest in the Loan Documents) to any Person (each, a
"Participant"), in which event the Participant shall not have any
direct rights against Borrower or the Collateral under the Loan Documents or
any other document delivered in connection herewith (Participant's rights
against Lender in respect of such participation to be those set forth in the
agreement executed by Lender in favor of Participant relating thereto).

(d)        Lender may at any time pledge all or any
portion of its rights under the Loan Documents to a Federal Reserve Bank.  No
such pledge shall release the transferor Lender from its obligations hereunder

(e)        In connection with any such sale,
assignment, transfer pledge or conveyance permitted under subsections (b), (c)
and (d) above, Borrower authorizes Lender to disclose to any Assignee or
Participant and to any prospective Assignee or Participant, any and all
information in Lender's possession concerning Borrower, such Advances or the
Mortgage Loans.

10.      With respect to certain of its
obligations under Section 6.1(d) of the Agreement, Borrower acknowledges and
agrees that as of the date hereof the minimum fidelity insurance coverage
acceptable to Lender is $300,000.00 and the minimum errors and omissions
coverage acceptable to Lender is $300,000.00.  Borrower agrees to maintain such coverages in those amounts or greater until otherwise notified by Lender. 
Borrower further agrees to provide Lender with written evidence satisfactory to
Lender that Lender has been named as loss payee and additional insured on such
coverages prior to the effective date of this Amendment.

11.       Borrower acknowledges and agrees
that if and when Lender implements "ProMerit" for the electronic submission of
data by Borrower to Lender, Borrower will be required to enter into one or more
separate agreements with respect thereto.

12.       This Amendment shall become
effective as of the date first written above, provided that the Lender shall
have received by such date the following items, all of which must be in form
and content satisfactory to Lender in its sole discretion:

(A)        This Amendment executed by
Borrower and Lender (whether such parties shall have signed the same or
different counterparts); 

(B)        A Sixth Amendment to Promissory
Note executed by Borrower and Lender (the "Note Amendment") (whether such
parties shall have signed the same or different counterparts);

	
  8

  

 

(C)        An executed affidavit, in form
satisfactory to Lender, regarding the execution of this Agreement and the Note
Amendment by Borrower outside the State of Florida;

(D)         Certificates of even date herewith
signed by the President and Chief Executive Officer and/or Secretary or
Assistant Secretary of Borrower, as appropriate, certifying (1) the
authorizing resolutions of Borrower, (2) that the organizational documents of
Borrower previously delivered to the Lender remain in full force and effect
with no modification or amendments except as disclosed in said Certificate, (3)
that all representations and warranties previously made to Lender remains true,
complete and accurate, and (4) that no Event of Default or Potential Default
has occurred and is continuing;

(E)           A confirmation of even date
herewith from Guarantor with respect to his Guaranty;

(F)           If required by Lender, good
standing certificates/certificates of existence of a recent date for Borrower
from the State of Texas and each other state in which Borrower conducts its
business

(G)           A third party operations audit,
the results of which must be satisfactory to Lender;

(H)           If required by Lender, such UCC
and other lien searches as Lender shall request, showing no Liens which have
priority over Lender's first priority security interest in the Collateral; and

(I)             Such other certificates,
instruments, opinions and documents (if any) that Lender shall reasonably
request.

13.        Notwithstanding the execution of
this Amendment and the Note Amendment, all of the indebtedness evidenced by the
Note (as amended by the Note Amendment) shall remain in full force and effect,
and any collateral described in any agreement providing security for any
obligation of Borrower so defined to include the Note shall remain subject to
the liens, pledges, security interests and assignments of any such agreements
as security for the indebtedness evidenced by the Note (as amended by the Note
Amendment) and all other indebtedness described therein.  Nothing herein in this
Amendment shall be construed to constitute a novation of the indebtedness
evidenced by the Note or to release, satisfy, discharge or otherwise affect or
impair in any manner whatsoever (1) the validity or enforceability of the
indebtedness evidenced by the Note (as amended by the Note Amendment); (2) the
liens, pledges, security interests, assignments and conveyances affected by the
Agreement, the other Loan Documents and any other agreement securing such Note
(as amended by the Note Amendment), or the priority thereof; (3) the
liability of any maker, endorser, surety, guarantor or other Person that may
now or hereafter be liable under or on account of the Note or any agreement
securing such Note; or (4) any other security or instrument now or hereafter
held by Lender as security for as evidence of any of the above-described
indebtedness.  In no way limiting the foregoing, Borrower acknowledges and
agrees that the indebtedness evidenced by the Note (as amended by the Note
Amendment) is and shall remain secured by the collateral described in the
Agreement and the other Loan Documents.

14.        In order to induce Lender to enter
into this Amendment, Borrower represents and warrants that:

 

 

	
  9

  

(A)        The execution, delivery and
performance by Borrower of this Amendment, the Note Amendment and the other
documents contemplated hereby to which Borrower is a party are within its
corporate powers, has been duly authorized by all necessary corporate action
and is not in contravention of any law, rule or regulation, or any judgment,
decree, writ, injunction, order to award of any arbitrator, court or
governmental authority, or of the terms of Borrower's certificate of
incorporation or bylaws, or of any contract or undertaking to which Borrower is
a party or by which Borrower or its property is or may be bound or affected.

(B)          Each of this Amendment, the Note
Amendment and the other documents contemplated hereby to which Borrower is a
party is a legal, valid and binding obligation of Borrower, enforceable against
Borrower in accordance with its terms.

(C)        No consent, approval or
authorization of or declaration, registration or filing with any governmental
authority or any nongovernmental person or entity, including without limitation
any creditor or stockholder of Borrower, is required on the part of Borrower in
connection with the execution, delivery and performance of this Amendment, the
Note Amendment or the other documents or the transactions contemplated hereby
or as a condition to the legality, validity or enforceability of this Amendment
or the Note Amendment.

(D)         After giving effect to the
amendments to the Agreement contained in this Amendment, the representations
and warranties contained in Article 5 of the Agreement and in the other Loan
Documents are true and correct on and as of the date hereof with the same force
and effect as if made on and as of the date hereof, no Event of Default or
Potential Default exists or has occurred and is continuing on the date hereof,
and no material adverse change has occurred in the financial condition of
Borrower since the date of the last financial statements submitted by Borrower
to Lender pursuant to the Agreement.

15.        If Borrower shall fail to perform
or observe any term, covenant or agreement in this Amendment, or any
representation or warranty made by Borrower in this Amendment shall prove to
have been incorrect in any material respect when made, such occurrence shall be
deemed to constitute an Event of Default.

16.        This Amendment shall be governed
by and construed in accordance with the laws of the State of Florida.

17.        Borrower agrees to pay the
reasonable fees and expenses of counsel for Lender, in connection with the
negotiation and preparation of this Amendment and the documents referred to
herein and the consummation of the transactions contemplated hereby, and in connection
with advising Lender as to its rights and responsibilities with respect
thereto.

18.        Unless otherwise expressly
modified or amended hereby, all terms and conditions of the Agreement shall
remain in full force and effect, and the same, as amended hereby, are hereby
ratified and confirmed in all respects.  From and after the effective date
hereof, all references in the Agreement, and any other document or instrument
entered into in connection therewith, to the Agreement shall be deemed to be
references to the Agreement as amended by this Amendment.

19.         This Amendment shall inure to and
be binding upon and enforceable by Borrower and Lender and their respective
successors and assigns.

20.         This Amendment may be executed in
one or more counterparts, each of which when executed and delivered shall
constitute an original.  All such counterparts shall together be deemed to be
one and the same instrument.

	
  10

  

 

21.         Further, the parties may execute
facsimile copies of this Amendment and the facsimile signature of any such
party shall be deemed an original and fully binding on said party; provided,
however, any party executing this Amendment by facsimile signature
agrees to promptly provide an original executed copy of this Amendment to
Lender.  Further, the parties may execute facsimile copies of this Amendment
and the facsimile signature of any such party shall be deemed an original and
fully binding on said party; provided, however, any party
executing this Amendment by facsimile signature agrees to promptly provide an
original executed copy of this Amendment to Lender.

[Remainder of Page Intentionally Left Blank.]

 

 

 

 

 

 

 

 

 

 

 

	
  11

  

 

IN WITNESS WHEREOF, the parties hereto have duly
executed this Amendment, by and through their respective duly authorized
officers as of the day and year first above written.

		 	

BORROWER:

			
	 	  
	 	

FIRST
PREFERENCE MORTGAGE CORP.

			
	[CORPORATE SEAL]ATTEST:  
	

By:                                                                         

Name:                     David
W. Mann

Its:
          President and Chief Executive Officer

			
	 	
  

			
	 	
 

			
	By: 
                                                               

Name: 
              Cathy Davis

Its:                      Secretary	

 

			

 

STATE
OF TEXAS

COUNTY
OF McLENNAN

On this ______ day of December, 2004, personally
appeared David W. Mann, as President and Chief Executive Officer of First
Preference Mortgage Corp., a Texas corporation ("Borrower"), and before me
executed the attached Eighth Amendment to Mortgage Warehouse Loan and Security
Agreement, by and between Colonial Bank, N.A., as Lender, and Borrower.

IN WITNESS WHEREOF, I have hereunto set my hand and official seal in the County and State
last aforesaid.

		

                                                                                               

Signature of Notary Public-State of Texas

			
	  
	

                                                                                               

Print Name: Notary Public, State of Texas

Personally Known                                                                     

Produced Identification                                      

Type of Identification:                                         

			
	  
	

              (NOTARIAL SEAL)

			

 

	
  12

  

 

		

LENDER:

			
	

                              COLONIAL
BANK, N.A.

			
	

By:                                                                               

Name:                           Amy J.
Nunneley

Its:                             Senior
Vice President

			

STATE
OF ALABAMA

COUNTY
OF JEFFERSON

On this _____ day of December, 2004, personally
appeared Amy J. Nunneley, as Senior Vice President of Colonial Bank, N.A., a
national banking association, and before me executed the attached Eighth
Amendment to Mortgage Warehouse Loan and Security Agreement, by and between
Colonial Bank, N.A., as Lender, and First Preference Mortgage Corp., as
Borrower.

IN WITNESS WHEREOF, I have hereunto set my hand and official seal in the County and State
last aforesaid.

		

                                                                                               

Signature of Notary Public-State of Alabama

			
	  
	

                                                                                               

Print Name: Notary Public, State of Alabama

Personally Known                                                                     

Produced Identification                                      

Type of Identification:                                         

			
	  
	

              (NOTARIAL SEAL)

			

 

 

 

	
  13

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