Document:

ex10_1.htm

Exhibit 10.1

THIS DOCUMENT CONSTITUTES PART OF A PROSPECTUS COVERING SECURITIES THAT HAVE BEEN REGISTERED UNDER

THE SECURITIES ACT OF 1933, AS AMENDED.

 

USA TECHNOLOGIES, INC.

2010 STOCK INCENTIVE PLAN

1.        Purpose. The purpose of the USA Technologies, Inc. 2010 Stock Incentive Plan is to provide an incentive to Employees, Consultants and Directors of the Company who are in a position to contribute materially to the long-term success of the Company, to increase their interest in the Company’s welfare, and to aid in gaining the services of Employees, Consultants and Directors of outstanding ability who will contribute to the Company’s success.

2.        Definitions.

2.1     "Award" means an award of Stock under the Plan.

2.2     "Board" means the Board of Directors of USA.

2.3     "Code" means the Internal Revenue Code of 1986, as amended. Reference to a specific section of the Code shall include any successor to such section.

2.4     "Committee" means the committee designated by the Board to administer the Plan under Section 4; provided, however, that if an Award is to be made to an Employee who is an executive officer of USA or to a Director of USA, the term “Committee” shall mean the compensation committee of USA and any award to be made to any such executive officer or Director shall be recommended by the compensation committee and approved by the Directors of USA.

2.5     "Common Stock" means USA common stock, no par value per share, or such other class or kind of shares of capital stock or other securities as may result from the application of Section 7 hereof.

2.6     "Company" means USA and any successor thereof.

2.7     "Consultant" means a consultant retained to provide bona fide services to, and who is not an employee of USA.

2.8     "Director" means each director of USA who is not an employee of USA.

2.9     "Employee" means an officer or employee of the Company including a director who is such an employee.

2.10    "Fair Market Value" means, on any given date, the mean between the high and low prices of actual sales of Common Stock on the principal national securities exchange on which the Common Stock is listed on such date, or, if the Common Stock was not so listed, the average closing bid price of the stock for each of the five trading days prior to such date.

2.11    "Holder" means an Employee, Director or Consultant to whom an Award is made.

2.12    "USA" means USA Technologies, Inc., a Pennsylvania corporation and any successor thereto.

  

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2.13     "1933 Act" means the Securities Act of 1933, as amended.

2.14     "Plan" means the USA 2010 Stock Incentive Plan herein set forth, as amended from time to time.

2.15     "Stock" means Common Stock awarded by the Committee under Section 6 of the Plan.

2.16     "SEC" means the United States Securities and Exchange Commission.

2.17     “Stock Award Agreement” means a Stock Award Agreement evidencing an Award granted under the Plan.

 

3.       Eligibility. Any Employee, Director or Consultant is eligible to receive an Award.

4.       Administration of Plan.

4.1     The Plan shall be administered and interpreted by the Committee, which shall have full authority to act in selecting Employees, Directors and Consultants to whom Awards will be made, in determining the type and amount of Awards to be granted to each such Holder, the terms and conditions of Awards and the terms of agreements which will be entered into with Holders in connection with Awards. The Committee shall be appointed by the Board and shall have at least one member and shall act unanimously in all matters.

4.2     The Committee’s powers shall include, but not be limited to, the power to determine whether, to what extent and under what circumstances an Award is made.

4.3     The Committee shall have the power to adopt regulations for carrying out the Plan and to make such changes in such regulations as it shall from time to time deem advisable. The Committee shall have the power unilaterally and without approval of a Holder to amend any existing Award in order to carry out the purposes of the Plan so long as such amendment does not deprive the Holder of any benefit granted by the Award and so long as the amended Award comports with the terms of the Plan. Amendments adverse to the interests of the Holder must be approved by the Holder. Any interpretation by the Committee of the terms and provisions of the Plan and the administration thereof, and all action taken by the Committee, shall be final and binding on Plan participants.

  

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5.       Shares of Stock Subject to the Plan.

5.1     Subject to adjustment as provided in Section 7, the total number of shares of Common Stock available for Awards under the Plan shall be 300,000 shares.

5.2     Any shares issued hereunder may consist, in whole or in part, of authorized and unissued shares or treasury shares. If any shares subject to any Award granted hereunder are forfeited or such Award otherwise terminates without the issuance of such shares, the shares subject to such Award, to the extent of any such forfeiture or termination, shall again be available for Awards under the Plan.

6.       Stock.

An Award of Stock is a grant by the Company of a specified number of shares of Common Stock to the Holder, which shares may be subject to forfeiture upon the happening of specified events. Such an Award may be subject to the following terms and conditions:

6.1     An Award of Stock may be evidenced by a Stock Award Agreement. Such agreements shall conform to the requirements of the Plan and may contain such other provisions as the Committee shall deem advisable.

6.2     Upon determination of the number of shares of Stock to be granted to the Holder, the Committee shall direct that a certificate or certificates representing the number of shares of Common Stock be issued to the Holder with the Holder designated as the registered owner.

6.3     The Committee may condition the grant of an Award of Stock upon the Holder’s achievement of one or more performance goal(s) specified in the Stock Award Agreement. If the Holder fails to achieve the specified performance goal(s), the Committee shall not grant the Stock to the Holder, or the Holder shall forfeit the Award of Stock and the Common Stock shall be forfeited to the Company.

6.4     The Stock Award Agreement, if any, shall specify the performance, employment or other conditions (including termination of employment on account of death, disability, retirement or other cause) under which the Stock may be forfeited to the Company.

6.5     The Stock Award Agreement may also contain (a) an agreement not to compete with the Company and its subsidiaries which shall become effective as of the date of the grant of the Award and remain in effect for a specified period of time following termination of the Holder’s employment with or affiliation with the Company; (b) an agreement to cancel any employment agreement, fringe benefit or compensation arrangement in effect between the Company and the Holder; and (c) an agreement to retain the confidentiality of certain information.

7.       Adjustments Upon Changes in Capitalization. In the event of a reorganization, recapitalization, stock split, spin-off, split-off, split-up, stock dividend, issuance of stock rights, combination of shares, merger, consolidation or any other change in the corporate structure of USA affecting the Common Stock, or any distribution to shareholders other than a cash dividend, the Board shall make appropriate adjustment in the number and kind of shares authorized by the Plan as it determines appropriate. No fractional shares of stock shall be issued pursuant to such an adjustment, but an amount equivalent to the portion of Fair Market Value attributable to any such fractional shares shall, where appropriate, be paid in cash to the Holder.

  

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8.       Termination and Amendment. The Plan shall remain in full force and effect until terminated by the Board. The Board shall have the power to amend, suspend or terminate the Plan at any time without the approval of the shareholders of the Company, unless such approval is required by applicable law, regulation or rule of any stock exchange on which the shares of Common Stock are listed.

9.       Form S-8.

9.1     Promptly upon the approval of this Plan by the Board of Directors of USA and the shareholders, the Company shall, at its cost and expense, register all of the Stock under the 1933 Act pursuant a to Form S-8 registration statement.

9.2     Notwithstanding anything else set forth herein, an Award shall not be made to any Director, Consultant or Employee unless such person is eligible to receive Stock which has been registered under a Form S-8 registration statement. In this regard, any Stock issuable to a Consultant or Director shall be issued to an individual who provided bona fide services to USA and such services shall not be in connection with the offer or sale of securities in a capital-raising transaction, and shall not directly or indirectly promote or maintain a market for USA’s securities.

9.3     In connection with the issuance of any Stock pursuant to the Plan, USA shall at its expense, use its best efforts to have any such Stock exempted from the registration requirements under applicable state securities laws.

9.4     The documents incorporated by reference in Item 3 of Part II of the Form S-8 registration statement, and any additional information about the Company, the Plan and the Plan administrators may be obtained, without charge, upon written request made to the Company at 100 Deerfield Lane, Suite 140, Malvern, PA 19355, Attn: Stephen P. Herbert, President, or by calling 610-989-0340.

  

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10.      General Provisions.

10.1     The Plan shall become effective upon its approval by the Board, subject to the approval of the Plan by the shareholders of the Company at the Company’s annual meeting of shareholders held on December 15, 2009, and any adjournment or postponement thereof.

10.2     Nothing contained in the Plan, or an Award granted pursuant to the Plan, shall confer upon an Employee any right with respect to continuance of employment by the Company or upon any Director or Consultant any right with respect to continuance of Board service or the consulting arrangement (as the case may be), nor interfere in any way with the right of the Company to terminate such relationships at any time.

10.3     Holders shall be responsible to make appropriate provision for all taxes required to be withheld in connection with any Award. Such responsibility shall extend to all applicable federal, state, local or foreign withholding taxes. Stock Award Agreements evidencing Awards may contain appropriate provisions to effect withholding, including providing for the withholding of Stock by USA otherwise deliverable to a Holder having a Fair Market Value equal to the minimum amount required to be withheld by the Company. The Plan is not qualified under Section 401(a) of the Code.

10.4     To the extent that federal laws (such as the 1934 Act, the Code or the Employee Retirement Income Security Act of 1974) do not otherwise control, the Plan and all determinations made and actions taken pursuant hereto shall be governed by the law of the Commonwealth of Pennsylvania and construed accordingly.

Dated: October 19, 2009

 

 

5Exhibit 10.15

THIRD AMENDMENT TO CREDIT AND SECURITY AGREEMENT

 

THIS THIRD AMENDMENT TO CREDIT AND SECURITY AGREEMENT (this “Amendment”) is dated as of March 25, 2011 (the “Effective Date”) by and among COLE TAYLOR BANK (the “Lender”) and CLARK HOLDINGS INC., THE CLARK GROUP, INC., CLARK DISTRIBUTION SYSTEMS, INC., HIGHWAY DISTRIBUTIONS SYSTEMS, INC., CLARK WORLDWIDE TRANSPORTATION, INC., and EVERGREEN EXPRESS LINES, INC. (collectively, the “Borrowers”).

 

WITNESSETH:

 

WHEREAS, the Borrowers and the Lender entered into that certain Credit and Security Agreement dated as of March 5, 2010, as amended by that certain First Amendment to Credit and Security Agreement dated as of May 17, 2010, as further amended by that certain Second Amendment to Credit and Security Agreement dated as of November 11, 2010, by and among Borrowers and Lender (collectively, the “Credit Agreement”); and

WHEREAS, the Borrowers have requested that the Lender agree to amend the Credit Agreement, and the Lender has agreed to amend the Credit Agreement on the terms and conditions set forth below.

NOW, THEREFORE, in consideration of the foregoing premises and other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows:

1.           All capitalized terms used herein and not otherwise expressly defined herein shall have the respective meanings given to such terms in the Credit Agreement.

 

2.           The Borrowers acknowledge and agree that effectiveness of this Amendment is conditioned on:  (a) the payment of the amendment fee of Twenty Thousand and No/100 Dollars ($20,000.00); (b) the delivery of a fully-executed original of this Amendment; and, (c) the delivery of such other documents or instruments as the Lender and its counsel may reasonably request, each in form and substance satisfactory to the Lender and its counsel.

 

3.           The Credit Agreement is amended by deleting the definition of “Borrowing Base” from Section 1.01, and substituting the following in lieu thereof:

 

“‘Borrowing Base’ means at any time, the lesser of:

(a)           The Maximum Revolving Loan Limit; or

 

(b)           Subject to change from time to time in the Lender’s sole discretion consistently applied, the sum of:

 

(i)           eighty-five percent (85%) of the Borrowers’ Eligible Accounts provided if Dilution exceeds five percent (5%), such advance rate shall be reduced by one (1) percentage point for each whole or partial percentage point by which Dilution exceeds five percent (5%); plus

  

  

  

 

(ii)           seventy percent (70%) of the Borrowers’ Eligible Unbilled Accounts, not to exceed One Million and No/100 Dollars ($1,000,000.00) in the aggregate; less

 

(iii)           the Hedging Obligation Reserve; less

 

(iv)           the Availability Reserve; less

 

(v)           the Carrier Reserve; less

 

(vi)           a reserve in the amount of Two Hundred Fifty Thousand and No/100 Dollars ($250,000.00), which, commencing July 1, 2011 shall increase at the rate of Ten Thousand and No/100 Dollars ($10,000.00) each seven (7) day week thereafter for a period of fifteen (15) weeks.”

 

4.           The Credit Agreement is amended by adding the following definition to Section 1.01titled “Certain Defined Terms. to read as follows:

 

“‘Pre-Tax Income” means the Borrowers’ net income before taxes calculated in accordance with GAAP.”

 

5.           The Credit Agreement is amended by deleting the last sentence of Section 4.01 entitled “Interest Rate” and substituting the following in lieu thereof:

 

“Notwithstanding the foregoing, in no event shall the interest rate applicable to any Loan be less than six and one-half percent (6.5%) per annum.”

 

6.           The Credit Agreement is amended by adding a new sub-section to Section 4.05(f) titled “Fees and Charges” to read as follows::

 

“(f)           Success Fee.  The Borrowers shall pay to Lender a success fee in the amount of Fifty Thousand and No/100 Dollars ($50,000.00 (“Success Fee”), in addition to all other amounts and fees owed pursuant to this Agreement.  The Success Fee shall be deemed fully earned and payable upon a sale of any of the assets (other than in the ordinary course of business) or the stock of the Borrowers pursuant to such approvals by Lender, if any, as required by this Agreement.

 

7.           The Credit Agreement is amended by deleting Section 12.02 titled “Fixed Charge Coverage” and substituting the following in lieu thereof:

 

“12.02  Fixed Charge Coverage.

Borrowers shall not permit Fixed Charge Coverage as of each date set forth below to be less than the corresponding ratio for such date set forth below:

  

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Date

	 	
Ratio

	  
	  	 	  	  
	
from and after February 4, 2012, for each monthly fiscal period thereafter, calculated on a rolling twelve (12) month basis

	 	
1.05 to 1.0

	
”

8.           The Credit Agreement is amended by deleting Section 12.03 titled “EBITDA” and substituting the following in lieu thereof:

 

“Section 12.03 EBITDA.  Intentionally Deleted.

 

9.           The Credit Agreement is amended by adding a new Section 12.07 titled “Cumulative Pre-Tax Income<Loss>” to read as follows:

 

“12.07  Cumulative Pre-Tax Income <Loss>.

 

Borrowers shall not permit the Pre-Tax Income on a cumulative fiscal year to date basis for the fiscal year beginning January 2, 2011 as of each date set forth below to be less than the corresponding amount as of each period end that is for such date set forth below:

 

	
2011 Fiscal Period

	 	
Date

	 	
Maximum Allowed Year to Date

Cumulative Pre-Tax Income Loss 

	 	 	 	 	 
	
1st Quarter

	 	
April 2, 2011

	 	
<$550,000.00>

	 	 	 	 	 
	
April

	 	
May 7, 2011

	 	
<$500,000.00>

	 	 	 	 	 
	
May

	 	
June 4, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
June

	 	
July 2, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
July

	 	
August 6, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
August

	 	
September 3, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
September

	 	
October 1, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
October

	 	
November 5, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
November

	 	
December 3, 2011

	 	
<$450,000.00>

	 	 	 	 	 
	
December

	 	
December 31, 2011

	 	
<$450,000.00>

If a bona fide letter of intent relating to the purchase of any of the assets (other than in the ordinary course of business) or stock of the Borrowers is executed before May 31, 2011 pursuant to such approvals by Lender, if any, as required by this Agreement, then the Maximum Allowed Year to Date Cumulative Pre-Tax Income <Loss> for June 4, 2011 and July 2, 2011 shall be <$500,000.00>, respectively.”

  

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10.           The Credit Agreement is amended by deleting the basis points of 200 and 450 set forth on Schedule 1.01-A titled “Applicable Margins” and substituting the following in lieu thereof:

 

	
“

	 	
Prime Rate Margin (bps)

	 	
LIBOR Rate Margin (bps)

	  	 	  	 	  
	
Revolving Loans

	 	
250

	 	
                 500                  ”

 

11.           The Credit Agreement is amended by deleting EXHIBIT B titled “FORM OF COMPLIANCE CERTIFICATE” and substituting the attached EXHIBIT B in lieu thereof.

 

12.           The Borrowers hereby acknowledge that prior to giving effect to this Amendment, the Borrowers are in default pursuant to Section 13.01(b) as a result of their failure to comply with Sections 12.02 and 12.03 of the Credit Agreement.  The Lender hereby waives the Events of Default pursuant to 13.01(b) as a result of Borrower’s failure to comply with Sections 12.02 and 12.03 of the Credit Agreement through and including the Effective Date, but the Lender expressly reserves its rights and remedies with respect to any other default or Event of Default, including, without limitation, any default or Event of Default with respect to Section 12 of the Credit Agreement arising after the Effective Date.  The Borrowers hereby acknowledge and agree that the execution and delivery of this Amendment has not established any course of dealing between the Borrowers and the Lender or any obligation of the Lender with respect to any future restructuring or modification of the Credit Agreement or the exercise of the Lender’s rights and remedies thereunder.

 

13.           Each of the Borrowers hereby restates, ratifies, and reaffirms each and every term, condition, representation and warranty heretofore made by it under or in connection with the execution and delivery of the Credit Agreement as amended hereby and the other Loan Documents (which shall include all documents executed in connection with this Amendment) as fully as though such representations and warranties had been made on the date hereof and with specific reference to this Amendment and the Loan Documents.

 

14.           As amended hereby, the Credit Agreement shall be and remain in full force and effect, and shall constitute the legal, valid, binding and enforceable obligations of the Borrowers to the Lender.

 

15.           The Borrowers agree to pay on demand all costs and expenses of the Lender in connection with the preparation, execution, delivery and enforcement of this Amendment and all other Loan Documents and any other transactions contemplated hereby, including, without limitation, the reasonable fees and out-of-pocket expenses of legal counsel to the Lender.

 

16.           The Borrowers agree to take such further action as the Lender shall reasonably request in connection herewith to evidence the amendments herein contained to the Credit Agreement.

  

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17.           This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which, when so executed and delivered, shall be deemed to be an original and all of which counterparts, taken together, shall constitute but one and the same instrument.

 

18.           This Amendment shall be binding upon and inure to the benefit of the successors and permitted assigns of the parties hereto.

 

19.           This Amendment shall be governed by, and construed in accordance with, Section 15.03 of the Credit Agreement.

 

IN WITNESS WHEREOF, the Borrowers and the Lender have caused this Amendment to be duly executed as of the date first above written.

	
BORROWERS:

	
CLARK HOLDINGS INC.,

	
a Delaware Corporation

	  	  
	
By: 

	
/s/ Christian B. Cook

	  	  
	
Name: 

	
Christian B. Cook

	  	  
	
Title: 

	
President and COO

	  	  
	
THE CLARK GROUP, INC.,

	
a Delaware Corporation

	  	  
	
By: 

	
/s/ Kevan D. Bloomgren

	  	  
	
Name: 

	
Kevan D. Bloomgren

	  	  
	
Title: 

	
CFO and Treasurer

[Signatures continued on the following page]

  

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CLARK DISTRIBUTION SYSTEMS, INC.,

	
a Delaware Corporation

	  	  
	
By: 

	
/s/ Kevan D. Bloomgren

	  	  
	
Name: 

	
Kevan D. Bloomgren

	  	  
	
Title: 

	
CFO and Treasurer

	  	  
	
HIGHWAY DISTRIBUTION SYSTEMS, INC.,

	
a Delaware Corporation

	  	  
	
By: 

	
/s/ Kevan D. Bloomgren

	  	  
	
Name: 

	
Kevan D. Bloomgren

	  	  
	
Title: 

	
CFO and Treasurer

	  	  
	
CLARK WORLDWIDE TRANSPORTATION, INC.,

	
a Pennsylvania Corporation

	  	  
	
By: 

	
/s/ Kevan D. Bloomgren

	  	  
	
Name: 

	
Kevan D. Bloomgren

	  	  
	
Title: 

	
CFO and Treasurer

	  	  
	
EVERGREEN EXPRESS LINES, INC.,

	
a Pennsylvania Corporation

	  	  
	
By: 

	
/s/ Kevan D. Bloomgren

	  	  
	
Name: 

	
Kevan D. Bloomgren

	  	  
	
Title: 

	
CFO and Treasurer

[Signatures continued on the following page]

  

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LENDER:

	 
	
COLE TAYLOR BANK,

	
an Illinois banking corporation

	
 

	
  

	
By: 

	
/s/ Donald A. Tomlinson

	  	  
	
Name: 

	
Donald A. Tomlinson

	  	  
	
Title: 

	
Senior Vice President

 

  

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EXHIBIT B

FORM OF COMPLIANCE CERTIFICATE

 

Compliance Certificate

 

	
To:

	
Cole Taylor Bank

	
Date:

	
_____________________, 20___

	
Subject:

	
[Borrower]

 

Financial Statements

 

In accordance with our Credit and Security Agreement dated as of ________, 20____, as amended, modified, extended, renewed, supplemented or restated (the “Credit Agreement”), attached are the financial statements of _____________ (“Borrower[s]”) of and for the [month] [fiscal quarter] ended _______________ ____, 20____ (the “Reporting Date”) and the year-to-date period then ended (the “Current Financials”) required to be delivered pursuant to Section 7.03 of the Credit Agreement.  All terms used in this certificate have the meanings given in the Credit Agreement.

 

The Borrower[s] certifies that the Current Financials have been prepared in accordance with GAAP and fairly present in all material respects the consolidated financial condition of the Borrower as of the date thereof and in a manner consistent with prior periods.

 

Defaults. (Check one):

 

The Borrower[s] further certifies that:

 

	
  

	
o

	
Except as previously reported in writing to the Lender, there exists no event or circumstance which is or which with the passage of time, the giving of notice, or both would constitute an Event of Default, as that term is defined in the Agreement, or, if such an event of circumstance exists, a writing attached hereto specifies the nature thereof, the period of existence thereof and the action that Borrower[s] has taken or proposes to take with respect thereto.

 

	
  

	
o

	
There exists no event or circumstance which is or which with the passage of time, the giving of notice, or both would constitute an Event of Default, as that term is defined in the Agreement, or, if such an event of circumstance exists, a writing attached hereto specifies the nature thereof, the period of existence thereof and the action that Borrower[s] has taken or proposes to take with respect thereto.

 

Representations and Warranties:

 

The Borrower[s] further certifies that each of the representations and warranties made by the Borrower[s], any Subsidiary and/or any Owner of the Borrower[s] in the Credit Agreement and/or in any other Loan Document are true and correct in all material respects on and as of the date of this Compliance Certificate as if made on and as of the date of this Compliance Certificate (and for purposes of this Compliance Certificate, the representations and warranties made by the Borrower[s] in Section 9.01 of the Credit Agreement shall be deemed to refer to the financial statements of the Borrower[s] delivered to the Lender with this Compliance Certificate).

 

  

  

  

 

Financial Covenants. The Borrower further certifies as follows:

 

1.           Minimum Fixed Charge Coverage. Pursuant to Section 12.02 of the Credit Agreement, as of the Reporting Date, the Borrowers’ Fixed Charge Coverage was _____ to 1.00 which o satisfies o does not satisfy the requirement that such ratio be no less than 1.05 to 1.00 on the Reporting Date.

 

           2.           Cumulative Pre-Tax Income <Loss>.  Pursuant to Section 12.07 of the Credit Agreement, as of the Reporting Date, the Borrowers’ Cumulative Pre-Tax Income was $___________________, which o satisfies o  does not satisfy the requirement that such amount not be less than [$__________ on the Reporting Date.]  [The amount set forth in the table below (numbers appearing between “< >” are negative) on the Reporting Date:

 

	
Period

	 	
Cumulative Pre-Tax Loss

	 
	 	 	$	__________________	 
	 	 	$	__________________	 
	 	 	$	__________________	 
	 	 	$	__________________	 

 

Attached hereto are all relevant facts in reasonable detail to evidence, and the computations of the financial covenants referred to above. These computations were made in accordance with GAAP, subject to normal year-end adjustments and absence of footnotes.

 

	  	  	
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