Document:

Exhibit 10.3 

 

EXCLUSIVE OPTION AGREEMENT

 

BETWEEN

 

NANJING
KANGJIAFU INVESTMENT CONSULTING CO., LTD.

 

AND

 

Liao
YAZHONG

 

ZHANG
ZHANGMEI

 

QU
HUIWEN

 

WUXI KANGJIAFU ROYAL TRADITIONAL INVESTMENT
MANAGEMENT CO., LTD.

 

 

 

 

JANUARY 2014

 

WUXI,
CHINA

 

    	 

    	 

    

  

Exclusive
Option Agreement

 

This Exclusive Option Agreement (the “Agreement”)
is entered into as of January 17, 2014, by and between the following Parties in Wuxi.

 

Party A: Nanjing Kangjiafu Investment
Consulting Co., Ltd.

Legal Representative: Liao Yazhong

Registered Address: Room
102, Unit 19, Nanjing Fenghuang Gang Business and Trade Recreational Zone, No.1680 Shuanglong Road, Moling Street, Jiangning District
(Jiangning Development Area), Nanjing

 

Party B:

 

		1.	Liao Yazhong, a citizen of PRC, Identity Card Number: 51060219660804649X

 

		2.	Zhang Zhangmei, a citizen of PRC, Identity Card Number: 330623196310170189

 

		3.	Qu Huiwen, a citizen of PRC, Identity Card Number: 510602196811076491

 

Party C: Wuxi Kangjiafu Royal Traditional
Investment Management Co., Ltd.

Legal Representative: Liao Yazhong

Registered Address: 25th
floor, No.567-No.569 Jianzhu Xi Road, Wuxi.

 

In this Agreement, Party A, Party B, Party
C are called collectively as the “Parties” and each of them is called as the “Party”.

 

WHEREAS: 

 

1.Party A is a wholly foreign-owned
enterprise incorporated under the laws of the People’s Republic of China (the “PRC”);

 

2.Party C is a limited liability company
incorporated under the laws of the PRC;

 

3.As of the date of this Agreement,
Party B are shareholders of Wuxi Kangjiafu Royal Traditional Investment Management Co., Ltd. (hereinafter referred to as “Opco”)
and collectively legally hold all of the share equity of Opco.

 

NOW, THEREFORE, the Parties through mutual
consultation hereby enter into this Agreement according to the following terms and conditions:

 

1.THE GRANT AND EXERCISE OF PURCHASE
OPTION

 

		1.1	Grant: Party B hereby grant Party A an irrevocable exclusive purchase option to purchase all or
part of the share equity of Opco, currently owned by Party B; Opco further hereby grant Party A an irrevocable exclusive purchase
option to purchase all or part of the assets and business of Opco, in each case in accordance with Article 1.3 of this Agreement
(the “Option”). The aforesaid purchase options are irrevocable and shall be exercised only by Party A (or the
qualified persons appointed by Party A). The term “person” used herein shall include any entity, corporation, partnership,
joint venture and non-corporate organizations.

 

    	 

    	 

    

 

		1.2	Exercise Procedures:

 

1.2.1 Party A shall notify
Party B in writing prior to exercising its option (the “Option Notice” hereinafter).

 

1.2.2 The next day upon receipt
of the Option Notice, Party B and Opco, together with party A (or the qualified person appointed by Party A), shall promptly compile
a whole set of documents (the “Transfer Documents”) to be submitted to the government bodies for approving the
share equity or assets and business transfer in connection with the Option exercise so that the share equity or assets and business
can be transferred, in whole or in part.

 

1.2.3 Upon the completion of
the compilation of all the Transfer Documents and the Transfer Documents being confirmed by Party A, Party B and Opco shall promptly
and unconditionally obtain, together with Party A (or the qualified person appointed by Party A), all approvals, permissions, registrations,
documents and other necessary approvals to effectuate the transfer of the share equity and remaining assets and business of Opco
in connection with the Option exercise.

 

		1.3	Exercise Condition: Party A may immediately exercise the option of acquiring the share equity
                                                             or remaining assets and business of Opco whenever Party A considers it necessary to acquire Opco and it is doable in
                                                             accordance with PRC laws and regulations.

 

2.Price
of Acquisition 

 

		2.1	The total Transfer Price shall be the minimum price permitted under the PRC Law then applicable. All
Transfer Price received by Party B shall be refunded to Party A or Opco at no consideration. Refund of the Transfer Price shall
be made by Party B by an appropriate manner decided by Party A. Transfer Price means all the considerations which Party A or its
designated entity or individual is obliged to pay to Party B or the Opco for the Option in each exercise.

 

    	 

    	 

    

 

		2.2	Party A has the discretion to decide the time and arrangement of the acquisition, provided that
the acquisition will not violate any PRC laws or regulations then in effect.

 

3.REPRESENTATIONS AND WARRANTIES

 

		3.1	Each party hereto represents to the other Parties that: (1) it has all the necessary rights, powers
and authorizations to enter into this Agreement and perform its duties and obligations hereunder; (2) Party B warrant, represent
and guarantee that this Agreement shall be in compliance with any and all applicable PRC laws and shall indemnify, defend and hold
harmless Party A and Opco for all fines, penalties, damages or claims sustained by Party A or Opco arising out of Party B’s
violation of this section; and (3) the execution or performance of this Agreement shall not violate any contract or agreement to
which it is a party or by which it or its assets are bounded.

 

		3.2	Party B and Opco hereto represent to Party A that, except as disclosed to Party A: With respect
to the share equity held by Party B in Opco, (1) Party B are legally registered shareholders of Opco and have paid Opco the full
amount of their respective portions of Opco's registered capital required under the PRC laws; (2) except Pledge of Share Equity
Agreement, signed by and between Party B and Party A on January 17, 2014, in Wuxi, none of Party B, has mortgaged or pledged its
share equity of Opco, nor has either of them granted any security interest or borrow against its share equity of Opco in any form;
and (3) none of Party B has sold or will sell to any third party its share equity in Opco.

 

With respect to the assets of
Opco which may be transferred to Party A at Party A’s option hereunder, except as disclosed to Party A: (1) Opco owns all
such assets and has not mortgaged or pledged or otherwise encumber such assets; and (2) Opco has not sold or will sell to any third
party such assets.

 

		3.3	Opco hereto represents to Party A that: (1) it is a limited liability company duly registered and
validly existing under the PRC law; and (2) its business operations are in compliance with applicable laws of the PRC in all material
aspects.

 

    	 

    	 

    

 

4.COVENANTS

 

The Parties further agree as follows:

 

		4.1	Before Party A has acquired all the share equity/assets and business of Opco by exercising the
purchase option provided hereunder, Opco shall not:

 

4.1.1sell, assign, mortgage
or otherwise dispose of, or create any encumbrance on, any of its assets, operations or any legal or beneficiary interests with
respect to its revenues (unless such sale, assignment, mortgage, disposal or encumbrance is relating to its daily operation or
has been disclosed to and agreed upon by Party A in writing);

 

4.1.2enter into any transaction
which may materially affect its assets, liability, operation, shareholders’ share equity or other legal rights (unless such
transaction is relating to its daily operation or has been disclosed to and agreed upon by Party A in writing); and

 

4.1.3distribute any dividend
to its shareholders in any manner.

 

		4.2	Before Party A has acquired all the share equity/assets/business of Opco by exercising the purchase
option provided hereunder, Party B and Party C shall not:

 

4.2.1sell, assign, mortgage
or otherwise dispose of, or create any encumbrance on, any of the share equity held by them in Opco, except for the pledge of such
share equity made according to the Share Equity Pledge Agreement, signed by and between Party B and Party A on January 17, 2014,
in Wuxi.

 

		4.3	Before Party A has acquired all the share equity/assets/business of Opco by exercising the purchase
option provided hereunder, Party B and/or Opco shall not individually or collectively:

 

4.3.1supplement, alter
or amend the articles of association of Opco in any manner to the extent that such supplement, alteration or amendment may have
a material effect on Opco's assets, liability, operation, shareholders’ share equity or other legal rights;

 

4.3.2cause Opco to enter
into any transaction to the extent such transaction may have a material effect on Opco's assets, liability, operation, shareholders’
share equity or other legal rights (unless such transaction is relating to Opco's daily operation or has been disclosed to and
agreed upon by Party A in writing); and

 

		4.4	Party B shall entrust Party A to manage Opco in accordance with Entrusted Management Agreement,
signed by and between Party B, Opco and Party A on January 17, 2014, in Wuxi.

 

    	 

    	 

    

 

		4.5	Non Competition:

 

When Party A exercises the
Option, each of Party B and Opco irrevocably and unconditionally agree and undertake to Party A that it will not without the prior
written consent of Party A:

 

a.be directly or indirectly
engaged or concerned (whether as an employee, agent, independent contractor, consultant, advisor or otherwise) in the conduct of
any business competing with Party A’s Business (the “Business”);

 

b.carry on for his/its
own account either alone or in partnership or be concerned as a director or shareholder in any company engaged in any business
competing with the Business;

 

c.assist any person, firm
or company with technical advice or assistance in relation to any business competing with the Business;

 

d.solicit or entice away
or attempt to solicit or entice away the custom of any person, firm, company or organization who shall at any time have been a
customer, client, distributor or agent of Party A or in the habit of dealing with Party A;

 

e.solicit or entice away
or attempt to solicit or entice away from Party A any person who is an officer, manager or employee of Party A whether or not such
person would commit a breach of his contract of employment by reason of leaving Party A;

 

f.in relation to any trade,
business or company, use any name in such a way as to be capable of or likely to be confused with the name of Party A and shall
use all reasonable endeavors to procure that no such name shall be used by any other person, firm or company;

 

g.otherwise be interested,
directly or indirectly, in any business competing with the Business.

 

5.ASSIGNMENT OF AGREEMENT

 

		5.1	Party B and Opco shall not transfer their rights and obligations under this Agreement to any third
party without the prior written consent of Party A.

 

		5.2	Each of Party B and Opco hereby agrees that Party A shall have the right to transfer all of its
rights and obligation under this Agreement to any third party whenever it desires. Any such transfer shall only be subject to a
written notice sent to Party B and Opco by Party A, and no any further consent from Party B and Opco will be required.

 

    	 

    	 

    

 

6.CONFIDENTIALITY

 

The Parties acknowledge and confirm that
any oral or written materials exchanged by the Parties in connection with this Agreement are confidential. The Parties shall maintain
the secrecy and confidentiality of all such materials. Without the written approval by the other Parties, any Party shall not disclose
to any third party any relevant materials, but the following circumstances shall be excluded:

 

		6.1	The materials are known or will be known by the public (except for any materials disclosed to the
public by the Party who receives such materials);

 

		6.2	The materials are required to be disclosed under the applicable laws or the rules or provisions
of stock exchange; or

 

		6.3	The materials disclosed by each Party to its legal or financial consultant relate to the transaction
contemplated under this Agreement, and such legal or financial consultant shall comply with the confidentiality set forth in this
Section. The disclosure of the confidential materials by an employee of any Party shall be deemed disclosure of such materials
by such Party, and such Party shall be liable for breaching the contract. This Article 6 shall survive even if this Agreement is
invalid, amended, revoked, terminated or unenforceable by any reason.

 

7.BREACH OF CONTRACT

 

Any violation of any provision hereof,
any incomplete or mistaken performance of any obligation provided hereunder, any misrepresentation made hereunder, any material
nondisclosure or omission of any material fact, or any failure to perform any covenants provided hereunder by any Party shall constitute
a breach of this Agreement. The breaching Party shall be liable for any such breach pursuant to the applicable laws.

 

8.APPLICABLE LAW AND DISPUTE RESOLUTION

 

		8.1	Applicable Law

The execution, validity, interpretation
and performance of this Agreement and the disputes resolution under this Agreement shall be governed by the laws of PRC.

 

    	 

    	 

    

 

		8.2	Dispute Resolution

The Parties shall strive to settle
any dispute arising from the interpretation or performance of this Agreement through friendly consultation. In case no settlement
can be reached through consultation within thirty (30) days after such dispute is raised, each party can submit such matter to
Shanghai International Economic and Trade Arbitration Commission (the “SHIAC”) in Shanghai in accordance with its rules.
The arbitration shall take place in Shanghai. The arbitration award shall be final, conclusive and binding upon both Parties.

 

9.EFFECTIVENESS AND TERMINATION

 

		9.1	This Agreement shall be effective upon the execution hereof by all Parties hereto and shall remain
effective thereafter.

 

		9.2	This Agreement may not be terminated except that Party A may, by giving thirty days prior notice
to the other Parties hereto, terminate this Agreement.

 

10.MISCELLANEOUS

 

		10.1	Amendment, Modification and Supplement

Any amendment and supplement to
this Agreement shall be made by the Parties in writing. The amendment and supplement duly executed by each Party shall be deemed
an integral part of this Agreement and shall have the same legal effect as this Agreement.

 

		10.2	Entire Agreement

The Parties acknowledge that this
Agreement constitutes the entire agreement of the Parties with respect to the subject matters therein and supersedes and replaces
all prior or contemporaneous agreements and understandings in oral or written form.

 

		10.3	Severability

Any provision of this Agreement
that is invalid or unenforceable due to the laws and regulations shall be ineffective without affecting in any way the remaining
provisions hereof. The Parties hereto shall prepare supplemental agreement as soon as possible to replace the invalid provision
through friendly consultation.

 

		10.4	Headings

The headings contained in this
Agreement are for the convenience of reference only and shall not in any other way affect the interpretation, explanation or the
meaning of the provisions of this Agreement.

 

    	 

    	 

    

 

		10.5	Language and Copies

This Agreement is written in Chinese
and English and both the English version and Chinese version shall have the same effect. This Agreement is executed in 5 copies
for each version; each Party holds one and each original copy has the same legal effect.

 

		10.6	Successor

This Agreement shall bind and
benefit the successor or the transferee of each Party.

(Remainder
of This Page Intentionally Left Blank)

 

    	 

    	 

    

 

IN WITNESS HEREOF, the Parties hereof have
caused this Agreement to be executed as of the date first written above.

 

 

PARTY A: 

 

Nanjing Kangjiafu Investment Consulting
Co., Ltd.

 

(Seal)

 

Authorized Representative:

 

(Signature): /s/ Liao Yazhong

 

 

 

PARTY B: 

 

Liao Yazhong

(Signature): /s/ Liao Yazhong

 

Zhang Zhangmei

(Signature): /s/ Zhang Zhangmei

 

Qu Huiwen

(Signature): /s/ Qu Huiwen

 

 

 

PARTY C: 

 

Wuxi Kangjiafu Royal Traditional Investment
Management Co., Ltd.

 

(Seal)

 

Authorized Representative:

 

(Signature): /s/ Liao YazhongExhibit 10.4

 

EXCLUSIVE TECHNOLOGY SERVICE AGREEMENT

 

BETWEEN

 

WUXI KANGJIAFU ROYAL
TRADITIONAL INVESTMENT MANAGEMENT CO., LTD.

 

AND

 

NANJING
KANGJIAFU INVESTMENT CONSULTING CO., LTD.

 

 

 

 

 

 

 

JANUARY 2014

WUXI CHINA

 

    	 

    	 

    

   

Exclusive Technology
Service Agreement

 

This Exclusive Technology Service Agreement
(the “Agreement”) is entered into as of January 17, 2014, in Wuxi by and between:

 

Party A 

 

Wuxi Kangjiafu Royal Traditional Investment
Management Co., Ltd., an enterprise incorporated and existing within the territory of the People’s Republic of China (the
“PRC”) in accordance with the law of the PRC, the registration number of its legal and valid Business License
is 320211000171509 and the legal registered address is 25th floor, No.567-No.569 Jianzhu Xi Road, Wuxi.

 

and

 

Party B

 

Nanjing Kangjiafu Investment Consulting
Co., Ltd., a wholly foreign-owned enterprise incorporated and existing within the territory of China in accordance with the law
of the People’s Republic of China, the registration number of its legal and valid Business Lincese is 320121400001548 and
the legal registered address is Room 102, Unit 19, Nanjing Fenghuang Gang Business and Trade Recreational Zone, No.1680 Shuanglong
Road, Moling Street, Jiangning District (Jiangning Development Area), Nanjing.

 

Whereas, Party A and Party B (collectively
the “Parties”) intend to promote the development of their businesses through mutual cooperation and utilization
of their advantages;

 

Therefore, the
Parties agree as follows after friendly consultation based on the principle of equality and mutual benefit.

 

 

		Article	1                  
Technology Service

 

1.1         
Party A hereby agrees to engage Party B as the exclusive and sole technology service provider of Party A, and Party B hereof
agree to accept such engagement.

 

1.2         
Party A further agrees that, without prior written consent of Party B, during the term of this Agreement, Party A shall
not engage any third party as the technology service provider of Party A.

 

1.3         
Party A agrees that Part B has right to provide the same or similar technology services under this Agreement to any third
party and also has right to appoint other person of Parties to provide the technology services to Party A under this Agreement.

 

    	- 1 -

    	 

    

 

		Article	2                  
Scope of Technolgy Service

 

2.1               
During the term of this Agreement, Party B agrees to provide relevant technology services to Party A in accordance with
the relevant terms and conditions of this Agreement (The scope of technology service is referred hereto as Exhibit A).

 

		Article	3                  
Service Fee

 

3.1               
Party B has right to charge Party A service fees at the amount and by the method as set forth in the Exhibit B.

 

3.2               
Party A hereto agrees and warrants that Party A shall pay off all service fees pursuant to the Clause 3.1 above to Party
B first, before Party A pays the management fees to Party B in accordance with the Entrusted Management Agreement, by and among
Party A, Liao Yazhong, Zhang Zhangmei, Qu Huiwen and Party B on January 17, 2014, in Wuxi.

 

		Article	4                  
Intellectual Property 

 

4.1               
The Parties hereby understand and agree that the technical datas, software, discovery, invention, development, commercial
secrets, copyrights, documments and other materials prepared or improved by Party B which are used to provide the technolgy services
under this Agreement shall exclusively belong to Party B, no matter whether the foregoing materials are protected by copyright
or patent right.

 

4.2               
Provided that Party A improves the foregoing materials, such development results shall be soly owned by Party B. Party A
hereby transfers all the rights, ownerships and interests in connection with such improvement to Party B.

 

		Article	5                  
Representations and Warranties

 

5.1               
Party A hereto hereby makes the following representations and warranties to Party B as of the date of this Agreement that:

 

(a)     
Party A is an enterprise incorporated and existing within the territory of China in accordance with the law of the People’s
Republic of China;

(b)    
Party A has the right to enter into the Agreement and the ability to perform the same; and the execution and delivery of
this Agreement by Party A have been duly authorized by all necessary corporate actions;

(c)     
the execution, delivery and performance of this Agreement will not violate any provision of the laws and regulations of
PRC or other governmental or regulatory authority or approval;

		(d)	the provisions of this Agreement constitute legal, valid and binding obligations on Party A upon
the execution;

 

    	- 2 -

    	 

    

 

5.2               
Party B hereto hereby make the following representations and warranties to Party A as of the date of this Agreement that:

 

		(a)	Party B is a wholly foreign-owned enterprise which is incorporated and existing within the territory
of China in accordance with the law of the People’s Republic of China;

		(b)	Party B has the right to enter into the Agreement and the ability to perform the same; and the
execution and delivery of this Agreement by Party B have been duly authorized by all necessary corporate action;

		(c)	the execution and delivery of this Agreement will not violate any provision of the laws and regulations
of PRC or other governmental or regulatory authority or approval;

		(d)	the provisions of this Agreement constitute legal, valid and binding obligations on Party B upon
the execution;

 

		Article	6                  
Effectiveness and Termination 

 

This Agreement shall take effect after
it is duly executed by the authorized representatives of the Parties hereto with seals affixed and shall be terminated when any
of the the following happens,

 

		(a)	the winding up of Party A, or

		(b)	the date on which Party B completes the acquisition of Party A

 

		Article	7                  
Liability for Breach of Agreement 

 

During the term of this Agreement, any
violation of any provisions herein by either party constitutes breach of contract and the breaching party shall compensate the
non-breaching party for the loss incurred as a result of this breach.

 

		Article	8                  
Force Majeure

 

The failure of either party to perform
all or part of the obligations under the Agreement due to force majeure shall not be deemed as breach of contract. The affected
party shall present promptly valid evidence of such force majeure, and the failure of performance shall be settled through consultations
between the Parties hereto.

 

		Article	9                  
 Confidentiality

 

9.1         
The Parties hereto agree to cause its employees or representatives who has access to and knowledge of the terms and conditions
of this Agreement to keep strict confidentiality and not to disclose any of these terms and conditions to any third party without
the expressive requirements under law or request from judicial authorities or governmental departments or the consent of the other
party, otherwise such party or personnel shall assume corresponding legal liabilities.

 

    	- 3 -

    	 

    

 

9.2         
The obligations of confidentiality under Section 1 of this Article shall survive after the termination of this Agreement.

 

		Article	10              
Applicable Law and Dispute Resolution

 

10.1     
 The execution, validity, interpretation and performance of this Agreement and the disputes resolution under this Agreement
shall be governed by the laws of PRC.

 

10.2     
 The Parties shall strive to settle any dispute arising from the interpretation or performance of this Agreement through
friendly consultation. In case no settlement can be reached through consultation within thirty (30) days after such dispute is
raised, each party can submit such matter to Shanghai International Economic and Trade Arbitration Commission in Shanghai in accordance
with its rules. The arbitration award shall be final, conclusive and binding upon both Parties.

 

		Article	11              
Non-transferability 

 

Unless otherwise specified under this Agreement,
no party can assign or delegate any of the rights or obligations under this Agreement to any third party nor can it provide any
guarantee to such third party or carry out other similar activities without the prior written consent from the other party.

 

		Article	12              
Severability

 

12.1           
Any provision of this Agreement that is invalid or unenforceable due to the laws and regulations shall be ineffective without
affecting in any way the remaining provisions hereof.

 

12.2     
In the event of the foregoing paragraph, the Parties hereto shall prepare supplemental agreement as soon as possible to
replace the invalid provision through friendly consultation.

 

		Article	13              
Amendment, Modification and Supplement

 

Any amendment and supplement to this Agreement
shall be made by the Parties in writing. The amendment and supplement duly executed by each Party shall be deemed an integral part
of this Agreement and shall have the same legal effect as this Agreement.

 

		Article	14              
Miscellaneous 

 

14.1     
Any and all taxes arising from execution and performance of this Agreement and during the course of providing service shall
be borne by the Parties respectively pursuant to the provisions of laws and regulations.

 

    	- 4 -

    	 

    

 

14.2           
Any amendment entered into by the Parties hereto after the effectiveness of this Agreement shall be an integral part of
this Agreement and have the same legal effect as part of this Agreement. In case of any discrepancy between the amendment and this
Agreement, the amendment shall prevail. In case of several amendments, the amendment with the latest date shall prevail.

 

14.3           
This Agreement is executed by Chinese and English in duplicate and both the English version and Chinese version shall have
the same effect. Each of the original Chinese and English versions of this Agreement shall be executed in two copies. Each party
shall hold one original for each version.

 

(Remainder
of This Page Intentionally Left Blank) 

 

    	- 5 -

    	 

    

  

IN WITNESS HEREOF, the Parties hereof have
caused this Agreement to be executed by their duly authorized representatives as of the date first written above.

 

 

 

 

Party A: Wuxi Kangjiafu Royal Traditional
Investment Management Co., Ltd.

 

(Seal)

 

 

 

Authorized Representative

 

(Signature):/s/ Liao Yazhong

 

 

 

 

 

PARTY B: Nanjing Kangjiafu Investment
Consulting Co., Ltd.

 

(Seal)

 

 

 

Authorized Representative

 

(Signature): /s/ Liao Yazhong
 

 

    	- 6 -

    	 

    

 

Exhibit A

 

Scope of Service

 

Party B shall provide the following technology
services to Party A:

 

Consultation of product marketing;

Consultation of investment management;

Consultation of global marketing;

Consultation of enterprise management;

Other services required by Party A

 

    	- 7 -

    	 

    

 

Exhibit B

 

Service Fees

 

Service Fees shall be determined pursuant
to the following factors:

 

1) the complexity and content of the technology,
consultation and service;

2) total cost, including time cost, of the
technology, consultation and service provided by Party B;

3) the content and business value of the technology
service and management service; and

4) the revenue and profit of Party A of current
quarter.

 

Party B has right to provide the quarterly
statement of account to Party A pursuant to the price recognized by the Parties, the working amount and business value of the service
provided by Party B and the revenue and profit of Party A. Party A shall pay the relevant service fees to Party B on the date and
at the amount as indicated in the statement of account. Party B has right to adjust service fees from time to time based on the
amount and content of the service provided by Party B and the revenue and profit of Party A.

 

    	- 8 -

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