Document:

Second Amendment to Credit Agreement

 Exhibit 10.1 
 EXECUTION VERSION 
 SECOND AMENDMENT dated as of August 31,
2011 (this “Amendment”), to the CREDIT AGREEMENT dated as of February 8, 2010 (as amended by the First Amendment dated as of August 18, 2010, the “Credit Agreement”), among EXPEDIA, INC., a Delaware
corporation, EXPEDIA, INC., a Washington corporation, TRAVELSCAPE, LLC, a Nevada limited liability company, TRIPADVISOR LLC, a Delaware limited liability company, HOTWIRE, INC., a Delaware corporation, the other BORROWING SUBSIDIARIES from time to
time party thereto, the LENDERS from time to time party thereto, JPMORGAN CHASE BANK, N.A., as Administrative Agent, and J.P. MORGAN EUROPE LIMITED, as London Agent. 

WHEREAS the Lenders have agreed to extend credit to the Borrowers under the Credit Agreement on the terms and subject to
the conditions set forth therein; 
 WHEREAS the Company has requested that the Lenders (a) extend the
maturity of their Loans and the expiration of their Commitments and (b) effect certain other amendments to the Credit Agreement as set forth herein; 
 WHEREAS the parties hereto, which include each Person that will be a Lender as of the Second Amendment Effective Date (as defined below), are willing to amend the Credit Agreement on the terms and subject
to the conditions set forth herein; and 
 WHEREAS J.P. Morgan Securities LLC, BNP Paribas Securities Corp.,
Merrill Lynch Pierce, Fenner & Smith Incorporated, RBS Securities Inc. and Royal Bank of Canada have been, and certain other financial institutions may be, appointed to act as joint lead arrangers and joint bookrunners for this Amendment
(the “Amendment Arrangers”). 
 NOW, THEREFORE, in consideration of the mutual agreements herein
contained and other good and valuable consideration, the sufficiency and receipt of which are hereby acknowledged, the parties hereto hereby agree as follows: 
 SECTION 1. Defined Terms. Capitalized terms used but not otherwise defined herein (including in the preamble and the recitals hereto) have the meanings assigned to them in the Credit Agreement.

 SECTION 2. Amendment of Credit Agreement. Effective as of the Second Amendment Effective Date, the
Credit Agreement is hereby amended as follows: 
 (a) Amendments to Section 1.01. Section 1.01
of the Credit Agreement is amended as follows: 

 (i) The following new defined terms are added in appropriate alphabetical
order: 
 “Second Amendment” means the Second Amendment dated as of August 31, 2011, to
this Agreement. 
 “Second Amendment Effective Date” has the meaning assigned to such term in
the Second Amendment. 
 “TripAdvisor” means TripAdvisor, Inc., a Delaware corporation.

 “TripAdvisor Credit Facilities” means the term loan and revolving credit facilities
contemplated to be incurred by TripAdvisor, TripAdvisor Holdings and their Subsidiaries in connection with the TripAdvisor Spin-Off, substantially as described in the TripAdvisor Form S-4. 

“TripAdvisor Form S-4” means the Form S-4 Registration Statement filed by the Company and TripAdvisor
with the SEC on July 27, 2011, as amended or supplemented from time to time. 
 “TripAdvisor
Holdings” means TripAdvisor Holdings, LLC, a Massachusetts limited liability company. 

“TripAdvisor Release Date” has the meaning assigned to such term in Section 9.14(b). 

“TripAdvisor Spin-Off” means a spin-off of the Company’s domestic and international assets and
operations associated with its TripAdvisor Media Group, substantially as described in the TripAdvisor Form S-4. 

“TripAdvisor Subsidiary” means TripAdvisor, TripAdvisor Holdings or any of their respective Subsidiaries.

 (ii) The definition of the term “Applicable Rate” is hereby amended by replacing the pricing grid
therein with the pricing grid below: 

  
 2 

											
	 Level
	  	 Level 1
	  	 Level 2
	  	 Level 3
	  	 Level 4
	  	 Level 5

	 Rating
	  	 At Least

BBB+ by

S&P/Baa1

Moody’s
	  	 BBB by

S&P/Baa2 by

Moody’s
	  	 BBB- by

S&P/Baa3 by

Moody’s
	  	 BB+ by

S&P/Ba1 by

Moody’s
	  	 Lower than

BB+ by

S&P/Ba1 by

Moody’s or

unrated

	 Commitment Fee Rate
	  	12.5	  	15.0	  	22.5	  	30.0	  	37.5
	 Eurocurrency Spread
	  	112.5	  	125.0	  	150.0	  	175.0	  	200.0
	 ABR Spread
	  	12.5	  	25.0	  	50.0	  	75.0	  	100.0

 (iii) The definition of the term “Designated Subsidiary” is hereby amended and
restated in its entirety to read as follows: 
 “Designated Subsidiary” means each Subsidiary
that is (a) a Borrowing Subsidiary, (b) a Material Subsidiary or (c) an obligor (including pursuant to a Guarantee) under any Material Indebtedness of the Company or any other Domestic Subsidiary, in each case other than
(i) except in the case of clause (c) above, any Specified Foreign Subsidiary and (ii) any Subsidiary whose Guarantee of the Obligations has been released pursuant to Section 9.14. 

(iv) The definition of the term “Material Disposition” set forth in the definition of the term
“Consolidated EBITDA” is hereby amended and restated in its entirety to read as follows: 

“Material Disposition” means (a) any sale, transfer or other disposition of property or series of
related sales, transfers or other dispositions of property that yields gross proceeds to the Company and the Subsidiaries in excess of US$100,000,000 and (b) the TripAdvisor Spin-Off. 

(v) The definition of the term “Maturity Date” is hereby amended and restated in its entirety to read as
follows: 
 “Maturity Date” means the fifth anniversary of the Second Amendment Effective Date.

 (vi) The definition of the term “Subsidiary” is hereby amended and restated in its entirety to read
as follows: 
 “Subsidiary” means any subsidiary of the Company. Notwithstanding anything to the
contrary set forth herein, The TripAdvisor-Expedia Foundation shall not, for so long as it constitutes a charitable organization, be deemed to be a Subsidiary for purposes of this Agreement and the other Loan Documents. 

  
 3 

 (b) Amendment to Article VI. Article VI of the Credit Agreement is
hereby amended as follows: 
 (i) Section 6.01 of the Credit Agreement is hereby amended to insert at the
end thereof the following: 
 “Notwithstanding anything to the contrary in this Section 6.01, upon the occurrence of
the TripAdvisor Release Date, the TripAdvisor Subsidiaries may create, incur and permit to exist Indebtedness under the TripAdvisor Credit Facilities.” 
 (ii) Section 6.06 of the Credit Agreement is hereby amended by replacing “and” after clause (k) therein with a comma and inserting the following immediately after clause
(l) therein: 
 “and (m) the TripAdvisor Spin-Off and the transactions relating thereto (including (i) the
entry into the separation agreement, the tax sharing agreement, the employee matters agreement, the transition services agreement, the commercial agreements and any other definitive agreements relating to the TripAdvisor Spin-Off between the Company
and/or the Subsidiaries (other than the TripAdvisor Subsidiaries), on the one hand, and any or all of the TripAdvisor Subsidiaries, on the other, and (ii) certain amendments to the organizational documents of the Company), in each case
substantially as described in the TripAdvisor Form S-4 as filed with the SEC on July 27, 2011 (or the amendment of any such agreements in a manner not materially adverse to the Company and to the rights or interests of the Lenders)”.

 (iii) Section 6.07 of the Credit Agreement is hereby amended by replacing “and” after clause
(i)(D) thereof with a comma and inserting the following immediately after clause (i)(E) thereof: 
 “and (F) in the
case of the TripAdvisor Subsidiaries, upon the occurrence of the TripAdvisor Release Date, restrictions and conditions imposed by the agreements governing the TripAdvisor Credit Facilities”. 

(iv) Section 6.08(i) of the Credit Agreement is hereby amended and restated in its entirety as follows: 

“(i) any Restricted Payment permitted under Section 6.05 (other than non-cash payments permitted solely under
the proviso in such Section);”. 
 (v) Section 6.08 of the Credit Agreement is hereby amended by
deleting “and” after paragraph (o) thereof, replacing the period at the end of paragraph (p) thereof with “; and” and inserting the following after paragraph (p) thereof: 

  
 4 

 “(q) the TripAdvisor Spin-Off, provided that (i) the
Trip-Advisor Spin-Off shall be on terms not less favorable to the Lenders in any material respect than the information set forth in the TripAdvisor Form S-4, as filed with the SEC on July 27, 2011, (ii) no Default shall have occurred and
be continuing, (iii) the Company shall be in compliance with the covenants set forth in Sections 6.10 and 6.11 as of the end of the fiscal quarter of the Company most recently ended on or prior to the date of consummation of the TripAdvisor
Spin-Off, giving pro forma effect thereto as if it had occurred on the first day of the period of four consecutive fiscal quarters ending with such quarter, and (iv) the Company shall have delivered to the Administrative Agent a certificate of
a Financial Officer certifying that all the requirements set forth in this clause (q) have been satisfied with respect thereto, together with reasonably detailed calculations demonstrating satisfaction of the requirements set forth in subclause
(iii) above. It is understood and agreed that the TripAdvisor Spin-Off does not constitute a Partial Transfer for purposes of this Agreement.” 
 (c) Amendment to Section 7.01. Section 7.01 is hereby amended by replacing the first parenthetical after paragraph (n) thereof as follows: 

“(other than an event with respect to any Borrower described in clause (h) or (i) of this Section)”.

 (d) Amendment to Section 9.14. Section 9.14 of the Credit Agreement is hereby amended by
(x) renumbering paragraph (b) and (c) thereof as paragraphs (c) and (d), respectively, and inserting the following immediately after paragraph (a) thereof: 

“(b) (i) If the Company shall have (A) delivered on any date to the Administrative Agent (x) a
certificate of a Financial Officer or other executive officer of the Company to the effect that (1) the TripAdvisor Spin-Off shall be consummated on the date of the delivery of such certificate and, upon the consummation thereof, none of
TripAdvisor, TripAdvisor Holdings or any of their Subsidiaries shall be a Subsidiary of the Company or shall Guarantee any other Material Indebtedness of the Company or another Subsidiary of the Company and (2) no Default has occurred and is
continuing or would result after the consummation of the TripAdvisor Spin-Off and (y) a duly executed Borrowing Subsidiary Termination with respect to each Borrowing Subsidiary that is a TripAdvisor Subsidiary, and (B) taken, or caused the
applicable TripAdvisor Subsidiaries to take, on or prior to such date, all such actions as are required so that no Loan made to any Borrowing Subsidiary that is a TripAdvisor Subsidiary, or any interest thereon, and no Letter of Credit issued for
the account of any TripAdvisor Subsidiary (including as a result of such Letter of Credit ceasing to be a Letter of Credit for all purposes of the Loan Documents pursuant to the provisions of the Second Amendment), shall be outstanding, then, on
such date (such date being 

  
 5 

 
referred to as the “TripAdvisor Release Date”), (x) each TripAdvisor Subsidiary that is a Guarantor shall be released from its Guarantee created under the Guarantee
Agreement and shall cease to have any rights or obligations thereunder, (y) each TripAdvisor Subsidiary that is a Borrowing Subsidiary shall cease to be such and shall cease to have any rights or obligations under this Agreement or any other
Loan Document and (z) each TripAdvisor Subsidiary that is a Subsidiary Loan Party shall cease to be a Subsidiary Loan Party. At the request of the Company, the Administrative Agent shall execute and deliver to the Company, at the Company’s
expense, all documents that the Company shall reasonably request to evidence the release of any TripAdvisor Subsidiary from its Guarantee created under the Guarantee Agreement and the cessation of all of its rights and obligations under this
Agreement and the other Loan Documents. 
 (ii) Notwithstanding anything to the contrary set forth herein, in
the event the TripAdvisor Spin-Off shall not have been consummated by the close of business on the TripAdvisor Release Date, then (A) the Guarantee created under the Guarantee Agreement of each TripAdvisor Subsidiary automatically shall be
immediately reinstated, and shall continue to be effective as if the TripAdvisor Release Date shall never have occurred, and each TripAdvisor Subsidiary shall be reinstated as a party to the Guarantee Agreement and shall have all the rights and
obligations of a guarantor thereunder, (B) each TripAdvisor Subsidiary that satisfies the requirements of the definition of the term “Subsidiary Loan Party” shall be such and (C) for purposes of Sections 6.01 and 6.07, no
TripAdvisor Release Date shall be deemed to have occurred. In connection with any such reinstatement, the Company shall cause each TripAdvisor Subsidiary to execute such reaffirmation agreement or similar document as the Administrative Agent shall
reasonably request to evidence such reinstatement. 
 (iii) It is understood and agreed that the provisions of
paragraph (a) of this Section shall not apply to the release of the Guarantee of any TripAdvisor Subsidiary in connection with the TripAdvisor Spin-Off, which release shall be governed by the provisions of this paragraph (b).” 

SECTION 3. Concerning Commitments. Each Person whose name appears on Schedule 2.01 hereto acknowledges and agrees
that, on and as of the Second Amendment Effective Date, such Person shall be a Lender under the Credit Agreement as amended hereby (including as to the extension of the Maturity Date provided for hereunder) and shall have a US Tranche Commitment
and/or a European Tranche Commitment as set forth next to the name of such Person on Schedule 2.01 hereto. Each party hereto acknowledges and agrees that, on and as of the Second Amendment Effective Date, Schedule 2.01 hereto sets forth all the
Commitments of all the Lenders (and no Person whose name does not appear on Schedule 2.01 hereto shall have, or shall 

  
 6 

 
be deemed to have, as of the Second Amendment Effective Date, a Commitment under the Credit Agreement). 
 SECTION 4. Concerning Letters of Credit for Account of TripAdvisor Subsidiaries. (a) Notwithstanding anything else to the contrary set forth in the Credit Agreement or any other Loan Document,
in the event that, in connection with the TripAdvisor Spin-Off, an Issuing Bank shall have provided to the Administrative Agent a written consent to the release of the Revolving Lenders from their obligations hereunder with respect to any Letter of
Credit issued by such Issuing Bank for the account of any TripAdvisor Subsidiary as a result of such Letter of Credit becoming a letter of credit deemed to be issued under the TripAdvisor Credit Facilities, then from and after such time
(a) such Letter of Credit shall cease to be a “Letter of Credit” outstanding hereunder for all purposes of this Agreement and the other Loan Documents and (b) the Lenders shall be deemed to have no participations in such Letter
of Credit, and no obligations with respect thereto, under Section 2.06(d) or 2.06(e). 
 (b) In the case of
any Letter of Credit issued for the joint account of any TripAdvisor Subsidiary, on the one hand, and the Company or any of its Subsidiaries other than a TripAdvisor Subsidiary, on the other, the Company shall, or shall cause the applicable
Subsidiary to, take, on or prior to the TripAdvisor Release Date, all such actions as are required so that on the TripAdvisor Release Date neither the Company nor any of its Subsidiaries other than a TripAdvisor Subsidiary is an account party or
otherwise an obligor under any such Letter of Credit. 
 SECTION 5. Representations and Warranties. The
Company and each Borrowing Subsidiary represents and warrants to the Lenders that: 
 (a) This Amendment has been
duly executed and delivered by the Company and each Borrowing Subsidiary and (assuming due execution by the parties hereto other than the Company and the Borrowing Subsidiaries) constitutes a legal, valid and binding obligation of the Company and
each Borrowing Subsidiary, enforceable in accordance with its terms, subject to applicable bankruptcy, insolvency, reorganization, moratorium or other laws affecting creditors’ rights generally and subject to general principles of equity,
regardless of whether considered in a proceeding in equity or at law. 
 (b) Before and after giving effect to
this Amendment, the representations and warranties set forth in Article III of the Credit Agreement are true and correct in all material respects on and as of the Second Amendment Effective Date with the same effect as if made on and as of such
date, except to the extent such representations and warranties expressly relate to an earlier date, in which case they were true and correct in all material respects as of such earlier date. 

(c) As of the Second Amendment Effective Date, before and after giving effect to this Amendment, no Default or Event of
Default has occurred and is continuing. 

  
 7 

 SECTION 6. Effectiveness. This Amendment shall become effective as of
the first date (the “Second Amendment Effective Date”) on which: 
 (a) the Administrative Agent
(or its counsel) shall have received duly executed counterparts hereof that, when taken together, bear the authorized signatures of the Company, each Borrowing Subsidiary, each Person whose name appears on Schedule 2.01 hereto, the Swingline Lender
and each Issuing Bank; 
 (b) the Administrative Agent (or its counsel) shall have received a Reaffirmation
Agreement, in form and substance satisfactory to the Administrative Agent, duly executed by each Loan Party, pursuant to which each Loan Party shall consent to the amendments effected by this Amendment and acknowledge that the Guarantee Agreement
remains in full force and effect in accordance with its terms and constitutes a guarantee of the Obligations as modified by this Amendment; 
 (c) the Administrative Agent shall have received such documents and certificates as the Administrative Agent or its counsel may reasonably request relating to the organization, existence and good standing
of each Loan Party and authorization of this Amendment and the Reaffirmation Agreement referred to in clause (b) above, all in form and substance reasonably satisfactory to the Administrative Agent; 

(d) the Administrative Agent shall have received a favorable written opinion (addressed to the Administrative Agent, the
Lenders and the Issuing Banks and dated the Second Amendment Effective Date) of Wachtell, Lipton, Rosen & Katz, counsel for the Company, in form and substance reasonably satisfactory to the Administrative Agent; 

(e) the Administrative Agent shall have received a certificate, dated the Second Amendment Effective Date and signed by
the President, a Vice President or a Financial Officer of the Company, confirming the accuracy of the representations and warranties set forth in Section 5 hereof; 

(f) the Administrative Agent shall have received, through inclusion in the TripAdvisor Form S-4 or otherwise, unaudited
pro forma consolidated balance sheet of the Company, prepared after giving effect to the TripAdvisor Spin-Off, as of March 31, 2011 (and, if included in the TripAdvisor Form S-4 prior the date on which all other conditions to the effectiveness
of this Amendment are satisfied, June 30, 2011 and/or September 30, 2011) and the related unaudited pro forma consolidated statements of operations of the Company for the three-month period ending March 31, 2011 (and, if included in
the TripAdvisor Form S-4 prior to the date on which all other conditions to the effectiveness of this Amendment are satisfied, the six-month period ending June 30, 2011 and/or the nine-month period ending September 30, 2011); 

(g) the Administrative Agent shall have received, for the account of each Person whose name appears on Schedule 2.01
hereto and that executes and delivers a copy of this Amendment, a consent fee in the amount of 0.175% of the aggregate amount of the Commitments of such Person as set forth on Schedule 2.01 hereto; and 

  
 8 

 (h) the Administrative Agent shall have received all other fees and other
amounts due and payable on or prior to the Second Amendment Effective Date, including, to the extent invoiced, reimbursement or payment of all reasonable out-of-pocket expenses (including reasonable fees, charges and disbursements of counsel)
required to be reimbursed or paid by the Company under the Credit Agreement; 
 provided that if the Second Amendment
Effective Date shall not have occurred on or before September 30, 2011, this Amendment shall terminate and be of no further force and effect. The Administrative Agent shall notify the Company and the Lenders of the Second Amendment Effective
Date, and such notice shall be conclusive and binding. 
 SECTION 7. Effect of this Amendment.
(a) Except as expressly set forth herein, this Amendment shall not by implication or otherwise limit, impair, constitute a waiver of, or otherwise affect the rights and remedies of the Agents, the Issuing Banks or the Lenders under the Credit
Agreement or any other Loan Document, and shall not alter, modify, amend or in any way affect any of the terms, conditions, obligations, covenants or agreements contained in the Credit Agreement or any other Loan Document, all of which are ratified
and affirmed in all respects and shall continue in full force and effect (it being understood and agreed that all interest and fees accruing under the Credit Agreement in respect of periods prior to the Second Amendment Effective Date will accrue at
the rates specified in the Credit Agreement prior to its amendment by this Amendment and be payable at the times provided in the Credit Agreement). Nothing herein shall be deemed to entitle any Loan Party to any other consent to, or any other
waiver, amendment, modification or other change of, any of the terms, conditions, obligations, covenants or agreements contained in the Credit Agreement or any other Loan Document in similar or different circumstances. 

(b) On and after the Second Amendment Effective Date, each reference in the Credit Agreement to “this
Agreement”, “herein”, “hereunder”, “hereto”, “hereof” and words of similar import shall, unless the context otherwise requires, refer to the Credit Agreement as amended hereby, and each reference to the
Credit Agreement in any other Loan Document shall be deemed to be a reference to the Credit Agreement as amended hereby. This Amendment shall constitute a “Loan Document” for all purposes of the Credit Agreement and the other Loan
Documents. 
 (c) It is agreed that the Amendment Arrangers and their Related Parties shall be entitled to the
benefits of Section 9.03(b) of the Credit Agreement with respect to the arrangement of this Amendment, the preparation, execution and delivery of this Amendment and the consummation of the transactions contemplated hereby (including the
TripAdvisor Spin-Off) to the same extent as the Arrangers and their Related Parties are entitled to the benefits of such Section in respect of the arrangement and the syndication of the credit facility under the Credit Agreement and the other
matters referred to in such Section. 
 SECTION 8. Applicable Law. THIS AMENDMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK. 

  
 9 

 SECTION 9. Counterparts. This Amendment may be executed in
counterparts (and by different parties hereto on different counterparts), each of which shall constitute an original but all of which, when taken together, shall constitute a single instrument. Delivery of an executed counterpart of a signature page
of this Amendment by facsimile or other electronic transmission shall be effective as delivery of a manually executed counterpart hereof. 
 SECTION 10. Fees and Expenses. The Company agrees to reimburse the Administrative Agent for its reasonable out-of-pocket expenses in connection with this Amendment, including the reasonable fees,
charges and disbursements of Cravath, Swaine & Moore LLP, counsel for the Administrative Agent. All fees shall be payable in immediately available funds and shall not be refundable. 

  
 10 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed by
their respective authorized officers as of the date first above written. 
  

			
	EXPEDIA, INC., a Delaware corporation,
		
	 by:    
	 	 /s/ Michael B. Adler

		 	Name: Michael B. Adler
		 	Title:   Executive Vice President and Chief Financial Officer
	
	EXPEDIA, INC., a Washington corporation,
		
	 by:    
	 	 /s/ Michael B. Adler

		 	Name: Michael B. Adler
		 	Title:   Executive Vice President and Chief Financial Officer
	
	TRAVELSCAPE, LLC,
		
	 by:    
	 	 /s/ Michael B. Adler

		 	Name: Michael B. Adler
		 	Title:   Executive Vice President and Chief Financial Officer
	
	TRIPADVISOR, LLC,
		
	 by:    
	 	 /s/ Michael B. Adler

		 	Name: Michael B. Adler
		 	Title:   Executive Vice President and Chief Financial Officer
	
	HOTWIRE, INC.,
		
	 by:    
	 	 /s/ Michael B. Adler

		 	Name: Michael B. Adler
		 	Title:   Executive Vice President and Chief Financial Officer

			
	JPMORGAN CHASE BANK, N.A., individually and as Administrative Agent, Issuing Bank and Swingline Lender,
		
	 by:    
	 	 /s/ Peter B. Thauer

		 	Name: Peter B. Thauer
		 	Title: Executive Director

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 Bank of America N.A 
  

			
	 by:    
	 	 /s/ Prayes Majmudar

		 	Name: Prayes Majmudar
		 	Title: Vice President

  

			
	by:1    	 	  

		 	Name:
		 	Title:

  
  

	1 	 For any institution requiring a second signature line. 

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., as a Lender 

 

			
	 by:    
	 	 /s/ Victor Pierzchalski

		 	Name: Victor Pierzchalski
		 	Title: Authorized Signatory

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 Name of Institution (with each Lender that is also an Issuing Bank executing both in its capacity as a
Lender and as an Issuing Bank): BARCLAYS BANK PLC 
  

			
	 by:    
	 	 /s/ Ben Hicges

		 	Name: BEN HICGES
		 	Title: Authorised Signatory

  

			
	by:1    	 	  

		 	Name:
		 	Title:

  
  

	1 	 For any institution requiring a second signature line. 

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 BNP Paribas 
  

			
	 by:    
	 	 /s/ Gregory R. Paul

		 	Name: GREGORY R. PAUL
		 	Title: MANAGING DIRECTOR
		
	 by:    
	 	 /s/ Nuala Marley

		 	Name: NUALA MARLEY
		 	Title: Managing Director

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 HSBC Bank USA, National Association 

 

			
	 by:    
	 	 /s/ Mire Levy

		 	Name: Mire Levy
		 	Title: Vice President

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 Name of Institution (with each Lender that is also an Issuing Bank executing both in its capacity as a
Lender and as an Issuing Bank): ROYAL BANK OF CANADA 
  

			
	by:    	 	 /s/ Mark Gronich

		 	Name: Mark Gronich
		 	Title: Authorized Signatory

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

 Name of Institution (with each Lender that is also an Issuing Bank executing both in its capacity as a
Lender and as an Issuing Bank): 
  

			
	 by:    
	 	The Royal Bank of Scotland plc
		
		 	 /s/ Michaela V. Galluzzo

		 	Name: Michaela V. Galluzzo
		 	Title: Director

 SIGNATURE PAGE TO 
 SECOND AMENDMENT TO 
 EXPEDIA, INC. CREDIT AGREEMENT 

 

			
	SUMITOMO MITSUI BANKING CORPORATION
		
	  By:  	 	 /s/ David W. Kee

		 	David W. Kee
		 	Joint General Manager

 Name of Institution (with each Lender that is also an Issuing Bank executing both in its
capacity as a Lender and as an Issuing Bank): 

							
			
		 	by:	 	 /s/ Richard J. Ameny, Jr.

		 		 	Name:	 	Richard J. Ameny, Jr.
		 		 	Title:	 	Vice President
	
	 Name of Institution:1

			
		 	by:	 	  

		 		 	 Name:

Title:
	 	

  
  

	1 	 For any institution requiring a second signature line.Form of Subscription Agreement

 Exhibit 10.1 
 SUBSCRIPTION AGREEMENT 
 BofI Holding, Inc. 

12777 High Bluff Drive 
 Suite 100 

San Diego, CA 92130 
 Gentlemen: 

The undersigned (the “Investor”) hereby confirms its agreement with you as follows: 

1. This Subscription Agreement (this “Agreement”) is made as of the date set forth below between BofI Holding, Inc., a Delaware
corporation (the “Company”), and the Investor. 
 2. The Company has authorized the sale and issuance to
certain investors of up to 15,000 shares (the “Shares”) of its 6.0% Series B Non-Cumulative Perpetual Convertible Preferred Stock, par value $0.01 per share (the “Preferred Stock”), for a purchase price of $1,000
per share (the “Purchase Price”). The Preferred Stock shall have the rights, preferences, privileges and restrictions set forth in the Certificate of Designations in the form attached hereto as Exhibit A. 

3. The offering and sale of the Shares (the “Offering”) are being made pursuant to (a) an effective Registration
Statement on Form S-3, Registration No. 333-163339 (including the Prospectus contained therein (the “Base Prospectus”), the “Registration Statement”) filed by the Company with the Securities and Exchange
Commission (the “Commission”), (b) if applicable, certain “free writing prospectuses” (as that term is defined in Rule 405 under the Securities Act of 1933, as amended), that have or will be filed with the Commission and
delivered to the Investor on or prior to the date hereof (c) if applicable, a preliminary prospectus related to the Offering (together with the Base Prospectus, the “Statutory Prospectus”), and (d) a Prospectus Supplement
(the “Prospectus Supplement” and together with the Statutory Prospectus, the “Prospectus”) containing certain supplemental information regarding the Shares and terms of the Offering that will be filed with the Commission
and delivered to the Investor (or made available to the Investor by the filing by the Company of an electronic version thereof with the Commission) along with the Company’s counterpart to this Agreement. The Prospectus shall not contain any
material non-public information other than as it relates to the Offering. Except with respect to the material terms and conditions of the Offering, the Company confirms that neither it nor any other person acting on its behalf has provided the
Investor or its agents or counsel with any information that the Company believes constitutes or might constitute material, non-public information. 
 4. The Company and the Investor agree that the Investor will purchase from the Company and the Company will issue and sell to the Investor the Shares of Preferred Stock set forth on the signature page
below, for the aggregate purchase price set forth on the signature page. The Shares shall be purchased pursuant to the “Terms and Conditions for Purchase of Shares” attached hereto as Annex I and incorporated herein by this reference as if
fully set forth herein. The Investor acknowledges that the Offering is not being underwritten by the placement agent (the “Placement Agent”) named in the Prospectus Supplement. A minimum of 5,000 Shares (the “Minimum
Shares”) shall be issued and sold in the Offering at the Closing. 

  
 1 

 5. The manner of settlement of the Shares purchased by the Investor will be delivery by
electronic book-entry at The Depository Trust Company (“DTC”) (or physical stock certificates if the Preferred Stock is not a DTC FAST-eligible issue at Closing), registered in the Investor’s name and address as set forth below, and
released by Computershare Trust Company, N.A., the Company’s transfer agent (the “Transfer Agent”), to the Investor at the Closing. ON OR BEFORE THE CLOSING, THE INVESTOR SHALL: 

(I) DIRECT THE BROKER-DEALER AT WHICH THE ACCOUNT OR ACCOUNTS TO BE CREDITED WITH THE SHARES ARE MAINTAINED TO SET UP A DEPOSIT/WITHDRAWAL
AT CUSTODIAN (“DWAC”) INSTRUCTING THE TRANSFER AGENT TO CREDIT SUCH ACCOUNT OR ACCOUNTS WITH THE SHARES, AND 
 (II)
REMIT BY WIRE TRANSFER THE AMOUNT OF FUNDS EQUAL TO THE AGGREGATE PURCHASE PRICE FOR THE SHARES BEING PURCHASED BY THE INVESTOR TO THE FOLLOWING ACCOUNT: 
  

							
		 	 Bank of America
 100
West 33RD St.

New York, NY
	 		 	
		 	ABA #: 026 009 593	 	Swift Code:	 	BOFAUS3N
		 	For further credit to account number:	 	4426874722
		 	Name on Account:	 	Computershare Trust Company, NA
		 		 	As Escrow Agent for Clients
		 	Ref: BofI Holdings Escrow	 	

 6. The Investor represents that, except as set forth below, (a) it has had no position, office or
other material relationship within the past three years with the Company or persons known to it to be affiliates of the Company, (b) it is not a FINRA member or an Associated Person (as such term is defined under the FINRA Membership and
Registration Rules Section 1011) as of the Closing, and (c) assuming the accuracy of the representations and warranties of the Company contained herein and in the Placement Agreement (as defined in Section 2.4 of Annex I), neither the
Investor nor any group of Investors (as identified in a public filing made with the Commission) of which the Investor is a part in connection with the Offering of the Shares, acquired, or obtained the right to acquire, or shall own or control
following consummation of the transactions contemplated hereby, 9.9% or more of the Common Stock (or securities convertible into or exercisable for Common Stock) or the voting power of the Company on a post-transaction basis. List any exceptions in
the line below: 

                         
                                         
                                         
                                         
                                         
                       . 

(If no exceptions, write “none.” If left blank, response will be deemed to be “none”.) 

7. The Investor represents that it has received (or otherwise had made available to it by the filing by the Company of an electronic
version thereof with the Commission) the Statutory Prospectus, which includes the final Base Prospectus, dated January 6, 2010, which is a 

  
 2 

 
part of the Company’s Registration Statement, the documents incorporated by reference therein, and any free writing prospectus (collectively, the “Disclosure Package”),
prior to or in connection with the receipt of this Agreement and the Prospectus Supplement (or the filing by the Company of an electronic version thereof with the Commission) along with the Company’s counterpart to this Agreement. 

8. No offer by the Investor to buy Shares will be accepted and no part of the Purchase Price will be delivered to the Company until the
Company has accepted such offer by countersigning a copy of this Agreement, and any such offer may be withdrawn or revoked, without obligation or commitment of any kind, at any time prior to the Company (or the Placement Agent on behalf of the
Company) sending (orally, in writing, or by electronic mail) notice of its acceptance of such offer. An indication of interest will involve no obligation or commitment of any kind until this Agreement is accepted and countersigned by or on behalf of
the Company and the Investor has been delivered the Prospectus Supplement. 
 [Signature page follows] 

  
 3 

 Please confirm that the foregoing correctly sets forth the agreement between us by signing
in the space provided below for that purpose. 
 Dated as of:             , 2011

  

											
		 		 		 	INVESTOR	 		 	
						
		 		 		 	Print Name:	 	  
	 	
						
		 		 		 	Signature:	 	  
	 	

									
				
		 		 		 	If Investor is an entity:
					
		 		 		 	Name of signatory:	 	  

					
		 		 		 	Title of signatory:	 	  

											
						
		 		 		 	Address:	 	  
	 	
					
		 		 		 	  
	 	
				
		 		 		 	Shares of Preferred Stock Purchased:                 
				
		 		 		 	Purchase Price Per Share: $1,000
				
		 		 		 	Aggregate Purchase Price: $         

 AGREED AND ACCEPTED THIS      DAY OF         , 2011:

 BOFI HOLDING, INC. 
  

			
	By:	 	  

		
	Print Name:	 	  

		
	Title:	 	  

  
 4 

 ANNEX I 

TERMS AND CONDITIONS FOR PURCHASE OF SHARES 
 1. Authorization and Sale of the Shares. Subject to the terms and conditions of this Agreement, the Company has authorized the sale of the Shares. 

2. Agreement to Sell and Purchase the Shares; Placement Agent. 

2.1 At the Closing (as defined in Section 3.1), the Company will sell to the Investor, and the Investor will purchase from the
Company, upon the terms and conditions set forth herein, the number of Shares set forth on the last page of the Agreement to which these “Terms and Conditions for Purchase of Shares” are attached as Annex I (the “Signature
Page”) for the aggregate purchase price therefor set forth on the Signature Page. 
 2.2 The Company proposes to enter
into substantially this same form of Subscription Agreement with certain other investors (the “Other Investors”) and expects to complete sales of Shares to them. The Investor and the Other Investors are hereinafter sometimes
collectively referred to as the “Investors”, and this Agreement and the Subscription Agreements executed by the Other Investors are hereinafter sometimes collectively referred to as the “Agreements”. 

2.3 Investor acknowledges that the Company intends to pay the Placement Agent a fee (the “Placement Fee”) in respect of
the sale of Shares to the Investor. 
 2.4 The Company has entered into a Placement Agent Agreement, dated
            , 2011 (the “Placement Agreement”), with the Placement Agent that contains certain representations, warranties, covenants, and agreements of the Company that
may be relied upon by the Investor, which shall be a third party beneficiary thereof. A copy of the Placement Agreement is available upon request. 
 3. Closings and Delivery of the Shares and Funds. 
 3.1 Closing. The
completion of the purchase and sale of the Shares (the “Closing”) is subject to the satisfaction of certain closing conditions set forth in the Placement Agreement, and the Closing shall occur at a place and time (the
“Closing Date”) to be specified by the Company and the Placement Agent, and of which the Investors will be notified in advance by the Placement Agent, in accordance with Rule 15c6-1 promulgated under the Securities Exchange Act of
1934, as amended (the “Exchange Act”). At the Closing, (a) the Company shall cause the Transfer Agent to deliver to the Investor the number of Shares set forth on the Signature Page registered in the name of the Investor or, if
so indicated on the Investor Questionnaire attached hereto as Exhibit A, in the name of a nominee designated by the Investor and (b) the aggregate purchase price for the Shares being purchased by the Investor will be delivered by or on behalf
of the Investor to the Company. 
 3.2 Conditions to the Company’s Obligations. The Company’s obligation to
issue and sell the Shares to the Investor shall be subject to: (a) the receipt by the Company of the purchase price for the Shares being purchased hereunder as set forth on the Signature Page and (b) the accuracy of the representations and
warranties made by the Investor in this Agreement and the fulfillment of those undertakings of the Investor in this Agreement to be fulfilled prior to the Closing Date. 

  
 A-1

 3.3 Conditions to the Investor’s Obligations. The Investor’s obligation to
purchase the Shares will be subject to (i) the accuracy of the representations and warranties made by the Company and the fulfillment of those undertakings of the Company to be fulfilled prior to the Closing Date, including without limitation,
those contained in the Placement Agreement, (ii) the sale by the Company of at least the Minimum Shares at the same price per share at Closing, and (iii) the condition that the Placement Agent shall not have: (a) terminated the
Placement Agreement pursuant to the terms thereof or (b) determined that the conditions to the closing in the Placement Agreement have not been satisfied. The Investor’s obligations are expressly not conditioned on the purchase by any or
all of the Other Investors of the Shares that they have agreed to purchase from the Company. 
 3.4 Delivery of Funds. On
or before Closing, the Investor shall remit by wire transfer the amount of funds equal to the aggregate purchase price for the Shares being purchased by the Investor to the following account designated by the Company and the Placement Agent pursuant
to the terms of that certain Escrow Agreement (the “Escrow Agreement”) dated as of             , 2011, by and among the Company, the Placement Agent and the Transfer Agent
(the “Escrow Agent”): 
  

					
		 	 Bank of America
 100
West 33rd St.

New York, NY
	 	
		 	ABA #: 026 009 593	 	Swift Code: BOFAUS3N
		 	For further credit to account number:
                        4426874722
		 	Name on Account:	 	Computershare Trust Company, NA
		 		 	As Escrow Agent for Clients
		 	Ref: BofI Holdings Escrow

 Such funds shall be held in escrow until the Closing and delivered by the Escrow Agent on behalf of the Investor to the
Company upon the satisfaction, in the sole judgment of the Placement Agent, of the conditions set forth in Section 3.3 hereof. The Placement Agent shall have no rights in or to any of the escrowed funds, unless the Placement Agent and the
Escrow Agent are notified in writing by the Company in connection with the Closing that a portion of the escrowed funds shall be applied to the Placement Fee. The Company agrees to indemnify and hold the Escrow Agent harmless from and against any
and all losses, costs, damages, expenses and claims (including, without limitation, court costs and reasonable attorneys fees) (“Losses”) arising under this Section 3.4 or otherwise with respect to the funds held in escrow
pursuant hereto or arising under the Escrow Agreement, unless it is finally determined that such Losses resulted directly from the willful misconduct or gross negligence of the Escrow Agent. Anything in this Agreement to the contrary
notwithstanding, in no event shall the Escrow Agent be liable for any special, indirect or consequential loss or damage of any kind whatsoever (including but not limited to lost profits), even if the Escrow Agent has been advised of the likelihood
of such loss or damage and regardless of the form of action. Investor shall also furnish to the Placement Agent a completed W-9 form (or, in the case of an Investor who is not a United States citizen or resident, a W-8 form). 

  
 A-2

 3.5 Delivery of Shares. No later than one (1) business day after the execution
of this Agreement by the Investor and the Company, the Investor shall direct the broker-dealer at which the account or accounts to be credited with the Shares being purchased by such Investor are maintained, which broker/dealer shall be a DTC
participant, to set up a Deposit/Withdrawal at Custodian (“DWAC”) instructing the Transfer Agent to credit such account or accounts with the Shares by means of an electronic book-entry delivery. Such DWAC shall indicate the
settlement date for the deposit of the Shares, which date shall be provided to the Investor by the Placement Agent. Simultaneously with the delivery to the Company by the Escrow Agent of the funds held in escrow pursuant to Section 3.4 above,
the Company shall direct its transfer agent to credit the Investor’s account or accounts with the Shares pursuant to the information contained in the DWAC. 
 4. Representations, Warranties and Covenants of the Investor. 
 4.1 The
Investor represents and warrants to, and covenants with, the Company that (a) the Investor is knowledgeable, sophisticated and experienced in making, and is qualified to make decisions with respect to, investments in shares presenting an
investment decision like that involved in the purchase of the Shares, including investments in securities issued by the Company and investments in comparable companies, and has requested, received, reviewed and considered all information it deemed
relevant in making an informed decision to purchase the Shares, (b) the Investor has answered all questions on the Signature Page and the Investor Questionnaire and the answers thereto are true and correct as of the date hereof and will be true
and correct as of the Closing Date and (c) the Investor, in connection with its decision to purchase the number of Shares set forth on the Signature Page, is relying only upon the Disclosure Package, the documents incorporated by reference
therein and the representations and warranties of the Company contained herein and in the Placement Agreement in making a decision to purchase the Shares. 
 4.2 The Investor acknowledges, represents and agrees that no action has been or will be taken in any jurisdiction outside the United States by the Company or any Placement Agent that would permit an
offering of the Shares, or possession or distribution of offering materials in connection with the issue of the Shares in any jurisdiction outside the United States where action for that purpose is required. If the Investor is outside the United
States, it will comply with all applicable laws and regulations in each foreign jurisdiction in which it purchases, offers, sells or delivers Shares or has in its possession or distributes any offering material, in all cases at its own expense. The
Placement Agent is not authorized to make and have not made any representation or use of any information in connection with the issue, placement, purchase and sale of the Shares, except as set forth or incorporated by reference in the Base
Prospectus or the Prospectus Supplement. 
 4.3 The Investor further represents and warrants to, and covenants with, the Company
that (a) the Investor has full right, power, authority and capacity to enter into this Agreement and to consummate the transactions contemplated hereby and has taken all necessary action to authorize the execution, delivery and performance of
this Agreement, and (b) this 

  
 A-3

 
Agreement constitutes a valid and binding obligation of the Investor enforceable against the Investor in accordance with its terms, except as enforceability may be limited by applicable
bankruptcy, insolvency, reorganization, moratorium or similar laws affecting creditors’ and contracting parties’ rights generally and except as enforceability may be subject to general principles of equity (regardless of whether such
enforceability is considered in a proceeding in equity or at law). 
 4.4 The Investor understands that nothing in this
Agreement, the Prospectus or any other materials presented to the Investor in connection with the purchase and sale of the Shares constitutes legal, tax or investment advice. The Investor has consulted such legal, tax and investment advisors as it,
in its sole discretion, has deemed necessary or appropriate in connection with its purchase of Shares. 
 4.5 The Investor
represents, warrants and agrees that, since the date on which the Placement Agent or the Company first contacted such Investor about the Offering, it has not engaged in any transactions in the securities of the Company (including, without
limitation, any Short Sales involving the Company’s securities). The Investor covenants that it will not engage in any transactions in the securities of the Company (including Short Sales) prior to the time that the transactions contemplated by
this Agreement are publicly disclosed. The Investor agrees that it will not use any of the Shares acquired pursuant to this Agreement to cover any short position in the Common Stock if doing so would be in violation of applicable securities laws.
For purposes hereof, “Short Sales” include, without limitation, all “short sales” as defined in Rule 200 promulgated under Regulation SHO under the Exchange Act, whether or not against the box, and all types of direct and
indirect stock pledges, forward sales contracts, options, puts, calls, short sales, swaps, “put equivalent positions” (as defined in Rule 16a-1(h) under the Exchange Act) and similar arrangements (including on a total return basis), and
sales and other transactions through non-US broker dealers or foreign regulated brokers. 
 5. Survival of Representations,
Warranties and Agreements. Notwithstanding any investigation made by any party to this Agreement or by the Placement Agent, all covenants, agreements, representations and warranties made by the Company and the Investor herein will survive the
execution of this Agreement, the delivery to the Investor of the Shares being purchased and the payment therefor. 
 6.
Notices. All notices, requests, consents and other communications hereunder will be in writing, will be mailed (a) if within the domestic United States by first-class registered or certified airmail, or nationally recognized overnight
express courier, postage prepaid, or by facsimile or (b) if delivered from outside the United States, by International Federal Express or facsimile, and will be deemed given (i) if delivered by first-class registered or certified mail
domestic, three business days after so mailed, (ii) if delivered by nationally recognized overnight carrier, one business day after so mailed, (iii) if delivered by International Federal Express, two business days after so mailed and
(iv) if delivered by facsimile, upon electronic confirmation of receipt and will be delivered and addressed as follows: 
  

	 	(a)	if to the Company, to: 

  

	 	    	BofI Holding, Inc. 

	 	    	12777 High Bluff Drive, Suite 100 

	 	    	San Diego, CA 92130 

	 	    	Attention: Andrew J. Micheletti 

	 	    	Facsimile: (858) 350-0443 

  
 A-4

	 	    	with copies to: 

  

	 	    	Reed Smith LLP 

	 	    	355 South Grand Ave., Suite 2900 

	 	    	Los Angeles, CA 90071 

	 	    	Attention: Allen Z. Sussman, Esq. 

	 	    	Facsimile: (213) 457-8030 

  

	 	(b)	if to the Investor, at its address on the Signature Page hereto, or at such other address or addresses as may have been furnished to the Company in writing.

 7. Changes. This Agreement may not be modified or amended except pursuant to an instrument in writing
signed by the Company and the Investor. 
 8. Headings. The headings of the various sections of this Agreement have been
inserted for convenience of reference only and will not be deemed to be part of this Agreement. 
 9. Severability. In
case any provision contained in this Agreement should be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions contained herein will not in any way be affected or impaired thereby.

 10. Governing Law. This Agreement will be governed by, and construed in accordance with, the internal laws of the
State of New York, without giving effect to the principles of conflicts of law that would require the application of the laws of any other jurisdiction. 
 11. Counterparts. This Agreement may be executed in two or more counterparts, each of which will constitute an original, but all of which, when taken together, will constitute but one instrument,
and will become effective when one or more counterparts have been signed by each party hereto and delivered to the other parties by facsimile or by e-mail delivery of a “.pdf” format data file. The Company and the Investor acknowledge and
agree that the Company shall deliver its counterpart to the Investor along with the Prospectus Supplement (or the filing by the Company of an electronic version thereof with the Commission). 

12. Confirmation of Sale. The Investor acknowledges and agrees that such Investor’s receipt of the Company’s counterpart
to this Agreement, together with the Prospectus Supplement (or the filing by the Company of an electronic version thereof with the Commission), shall constitute written confirmation of the Company’s sale of Shares to such Investor. 

  
 A-5

 13. Press Release. The Company agrees to issue a press release announcing the
Offering and disclosing all material information regarding the Offering prior to the opening of the financial markets in New York City on the business day immediately after the date hereof. The Company shall file a Current Report on Form 8-K with
the Securities and Exchange Commission (the “SEC”) disclosing the material terms of the Offering and including a form of this Agreement, the Placement Agreement and the Certificate of Designations for the Preferred Stock prior to the
opening of the financial markets in New York City on the second business day immediately after the date hereof. The Company shall not disclose the name of the Investor or its investment adviser in any press release or other public statement about
the Offering, except if such disclosure is required by law, in which case the Company shall promptly provide the other party with prior notice of such public statement or communication. 

14. Termination. In the event that the Placement Agreement is terminated by the Placement Agent pursuant to the terms thereof,
this Agreement shall terminate without any further action on the part of the parties hereto. 

  
 A-6

 EXHIBIT A 

BOFI HOLDING, INC. 
 INVESTOR QUESTIONNAIRE 
 Pursuant to Section 3 of Annex I to the Agreement, please
provide us with the following information: 
  

	 	1.	The exact name that your Shares are to be registered in. You may use a nominee name if appropriate:
                     

  

	 	2.	The relationship between the Investor and the registered holder listed in response to item 1 above (if not the same):
                     

  

	 	3.	The mailing address of the registered holder listed in response to item 1 above: 

                                  
                                         
               

                      
                                         
                          
                                  
                                         
               
  

	 	4.	The Social Security Number or Tax Identification Number of the registered holder listed in the response to item 1 above:
                     

  

	 	5.	Name of DTC Participant (broker-dealer at which the account or accounts to be credited with the Shares are maintained):
                     

  

	 	6.	DTC Participant Number:                     

  

	 	7.	Name of Account at DTC Participant being credited with the Shares:
                     

  

	 	8.	Account Number at DTC Participant being credited with the Shares:
                     

  

	 	9.	Person to contact to initiate DWAC at closing: 

 Name:                      

Telephone:                    
  

Email:

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