Document:

EXHIBIT 10.20

 

FIFTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

 

                THIS FIFTH
AMENDMENT TO LOAN AND SECURITY AGREEMENT is dated as of June 1,
1999 between BRAD FOOTE GEAR WORKS, INC. f/k/a BFG Acquisition Corp., an
Illinois corporation (“Borrower”) and LASALLE BANK NATIONAL ASSOCIATION f/k/a
LaSalle National Bank f/k/a LaSalle Bank NI (“Lender”).

 

                WHEREAS,
Borrower and Lender have entered in that certain Loan and Security Agreement
dated as of January 17, 1997, as amended by those certain letter
amendments dated February 28, 1997 and July 23, 1997 and those
certain Third and Fourth Amendments to Loan and Security Agreement dated as of March 30,
1998 and December 1, 1998, respectively (such agreement, as so amended,
the “Loan Agreement”) with regard to the following loans extended by Lender to
Borrower: (i) a $2,200,000.00 revolving line of credit loan (the “Revolving
Loan”), (ii) a $1,992,854.00 term loan (the “Term Loan”), (iii) a
$1,375,000.02 equipment loan (the “Equipment Loan”), and (iv) a
$678,333.29 non-revolving equipment line of credit (the “Equipment Line of
Credit”); and

 

                WHEREAS,
Borrower has requested that Lender (i) renew the Revolving Loan and
increase the amount thereof to $3,000,000.00, (ii) provide a $200,000.00
subline under the Revolving Loan for standby letters of credit, (iii) renew
the Equipment Line of Credit, and (iv) modify one of the financial
covenants set forth in the Loan Agreement; and

 

                WHEREAS,
Lender has agreed to the foregoing requests provided Borrower executes and
delivers such documents and instruments required by Lender, including new
promissory notes to evidence the aforesaid loans being renewed and increased
and this Amendment;

 

                NOW,
THEREFORE, for valuable consideration, the receipt of which is
hereby acknowledged, and in consideration of the foregoing premises, the
parties hereto agree as follows:

 

1.             The capitalized terms used herein
without definition shall have the same meaning herein as such terms have in the
Loan Agreement.

 

2.             Section 1.1 of the Loan
Agreement is amended as follows:

 

a.             The definition of “Commitment
Amount” is amended in its entirety to read as follows:

 

                “Commitment
Amount” shall mean, as of any applicable date of determination,
Three Million and 00/100 ($3,000,000.00) Dollars, less the Letter of Credit
Outstanding.

 

b.             The following new definitions are
hereby inserted in Section 1.1:

 

                “Letter of
Credit” shall mean any irrevocable letter of credit issued pursuant
to Section 2.9 hereof, which letters of credit shall be (i) standby
letters of credit, (ii) issued for such purposes as are reasonably
acceptable to the Lender, (iii) denominated in Dollars, and (iv) otherwise
in such form as may be approved from time to time by the Lender.

 

 

1

 

                “Letter of
Credit Outstanding” shall mean at any time, the sum of (i) the
aggregate stated amount of all Letters of Credit then outstanding, plus (ii) all
amounts theretofore drawn under Letters of Credit and not then reimbursed.

 

c.             The definition of “Indebtedness” is
hereby amended to add the following new subsection (7) thereto after the
end of subsection (6) thereof:

 

“and
(7) all obligations, contingent or otherwise, of the Borrower under or
related to (i) any Letters of Credit now or hereafter issued by the Lender
pursuant to the terms of this Agreement, and (ii) any other letters of
credit heretofore, now or hereafter issued by Lender.”

 

d.             The definition of “Loan Documents”
is hereby amended to add the following words after the words “financing
statements”:   “letter of credit
applications and/or reimbursement agreements,”

 

e.             In the definition of “Revolving
Loan”, the figure “$2,200,000.00” is deleted, and the figure “$3,000,000.00” is
substituted therefor.

 

f.              The definition of “Termination
Date” is amended in its entirety to read as follows:

 

                “Termination
Date” shall mean December 31, 2000, or such earlier date upon
which the Revolving Note becomes due and payable.

 

3.             The first two paragraphs in Section 2.3
of the Loan Agreement are deleted, and the following paragraphs are substituted
therefor:

 

                “2.3         Revolving Note. 
The Revolving Loan shall be evidenced by a renewal revolving note,
executed by the Borrower, dated June 1, 1999, payable to the Lender on December 31,
2000, and in the principal sum of Three Million and 00/100 ($3,000,000.00)
Dollars (the “Revolving Note”).  The date
and amount of each advance under the Revolving Loan made by the Lender and of
each repayment of principal thereon received by the Lender shall be recorded by
the Lender in its records.  The aggregate
unpaid principal amount so recorded by the Lender shall be rebuttable
presumptive evidence as to the principal amount outstanding thereunder, provided,
however, that the failure by the Lender so to record any such amount or
any error in so recording any such amount shall not limit or otherwise affect
the obligations of the Borrower under this Agreement or the Revolving Note to
repay the principal amount of the entire Revolving Loan together with all
interest accrued or accruing thereon.

 

                Interest on the Revolving Note
shall be payable at the times, in the manner, and at the applicable rates set
forth in the Revolving Note.  Interest on
the Revolving Note shall be calculated on the basis of a 360-day year for the
actual number of days the principal is outstanding.”

 

4.             The Loan Agreement is hereby
amended to add the following new subsection 2.9 thereto:

 

 

2

 

                “ 2.9        Letters of Credit. 
Borrower may request Lender at any time and from time to time after the
date hereof and prior to the Termination Date, to issue, and subject to the
terms and conditions of this Agreement, Lender shall issue for the account of
Borrower one or more Letters of Credit, provided that no Letter of Credit shall
be issued if after giving effect to such issuance, (i) the aggregate
Letter of Credit Outstanding shall exceed $200,000.00, or (ii) such
proposed Letter of Credit issuance would cause the aggregate unpaid principal
amount of the Revolving Loan outstanding under this Agreement to exceed the
lesser of the Commitment Amount or the Borrowing Base on the date of such
issuance.  No Letter of Credit shall
expire later than the Termination Date. 
If any Letter of Credit should by its term expire after the Termination
Date or if an Event of Default shall occur and not be cured by the applicable
cure period, if any, Borrower will (i) cause all Letters of Credit to be
returned to Lender undrawn and marked “canceled”, or (ii) if the Borrower
is unable to do so, deposit cash in an account directed by Lender, sufficient
to fully reimburse Lender for any future draw on the Letter of Credit.

 

In
connection with each Letter of Credit issued by the Lender, Borrower will
execute and deliver to the Lender a letter of credit application (using the
Lender’s form) and such other documents required by the Lender.  Borrower shall pay the Lender an annual fee
equal to one percent (1.00%) per annum of the amount of each standby Letter of
Credit issued by the Lender, payable quarterly in arrears.  Borrower shall pay the Lender its customary
fees and charges in connection with the issuance and processing of each
commercial Letter of Credit issued by the Lender.

 

When
Borrower desires the Lender to issue a Letter of Credit hereunder, it shall
give Lender at least five (5) Business Days’ prior written notice
(including telegraphic, telex, facsimile or cable communication) specifying the
date on which the proposed Letter of Credit is to be issued (which shall be a
Business Day), the stated amount of the Letter of Credit so requested, the
expiration date of such Letter of Credit, the name and address of the
beneficiary thereof, and such other information requested by Lender in
connection therewith.

 

The
obligations of the Borrower to reimburse the Lender for drawings made under any
Letter of Credit shall be unconditional and irrevocable and shall be paid
strictly in accordance with the terms of this Agreement under all
circumstances, including, without limitation (i) any lack of validity or
enforceability of any Letter of Credit, (ii) the existence of any claim,
setoff, defense or other right which the Borrower may have at any time against
a beneficiary of any Letter of Credit, (iii) any draft, demand,
certificate or other document presented under any Letter of Credit proving to
be forged, fraudulent, invalid or insufficient in any respect or any statement
therein being untrue or inaccurate in any respect, (iv) payment by the
Lender of any Letter of Credit against presentation of a demand, draft, or
certificate or other document which does not comply with the terms of such
Letter of Credit, (v) any other circumstance or happening whatsoever,
which is similar to any of the foregoing, or (vi) the fact that any Event
of Default shall have occurred and be continuing.

 

Borrower
further acknowledges and agrees that in the event any Letter of Credit is drawn
upon, the funds disbursed by Lender in connection therewith shall be deemed to
constitute a disbursement by Lender to Borrower under the Revolving Note as of
the date of said disbursement, and shall constitute principal indebtedness
evidenced by the Revolving Note, and shall bear interest at the rate provided
in the Revolving Note.”

 

 

3

 

5.             Section 3.1 of the Loan Agreement
is deleted, and the following paragraphs are substituted therefor:

 

                “3.1         Term Loan.  The
Lender has made the Borrower a secured term loan in the principal amount of Two
Million Seven Hundred Thousand and no/100 ($2,700,000.00) Dollars (herein, the “Term
Loan”) originally evidenced by that certain Term Note dated January 17,
1997 in the principal sum of $2,700,000.00. 
On and after June 1, 1999, the Term Loan shall be evidenced by a
renewal term note dated June 1, 1999, executed by Borrower, in the principal
sum of One Million Eight Hundred Thirty Two Thousand One Hundred Thirty Nine
and 00/100 ($1,832,139.00) Dollars (the “Term Note”), payable to the order of
the Lender in successive monthly installments of principal in the sum of
$32,143.00 each, commencing
                  
1, 1999, and payable on the first (1st) day of each month thereafter, followed
by a final balloon payment of the entire unpaid principal balance and accrued
interest due on December 31, 2000.

 

                Interest on the Term Note shall
be payable at the times, in the manner, and at the applicable rates set forth
in the Term Note.  Interest on the Term
Note shall be calculated on the basis of a 360-day year for the actual number
of days the principal is outstanding.”

 

6.             Section 14.1 of the Loan
Agreement is hereby amended as follows:

 

(a)           Subsection 14.1(a) is hereby
amended in its entirety to read as follows:

 

                “(a)         Minimum Tangible Net Worth. 
Borrower will maintain at all times a minimum Tangible Net Worth of not
less than $4,000,000.00 (to be tested quarterly).”

 

7.             The Borrower acknowledges and
agrees that the Loan Agreement is and as amended hereby shall remain in full
force and effect, and that the Collateral is and shall remain subject to the
lien and security interest granted and provided for by the Loan Agreement as
amended hereby, for the benefit and security of all obligations and
indebtedness heretofore, now or hereafter owed by Borrower to Lender,
including, without limitation, the indebtedness evidenced by the Revolving
Note, the Term Note, the Equipment Note, the Equipment Line Note (as such terms
are defined in the Loan Agreement, as amended hereby), and all other
Indebtedness.

 

Without
limiting the foregoing, the Borrower hereby agrees that, notwithstanding the
execution and delivery hereof, (i) all rights and remedies of the Lender
under the Loan Agreement, (ii) all obligations and indebtedness of the
Borrower, thereunder, and (iii) the lien and security interest granted and
provided for thereby are and as amended hereby shall remain in full force and
effect for the benefit and security of all obligations and indebtedness of the
Borrower thereunder, including, without limitation, the indebtedness evidenced
by the Revolving Note, the Term Note, the Equipment Note, the Equipment Line
Note, and all other Indebtedness, it being specifically understood and agreed
that this Amendment shall constitute and be an acknowledgment and continuation
of the rights, remedies, lien and security interest in favor of the Lender, and
the obligations and indebtedness of the Borrower to the Lender, which exist
under the Loan Agreement as amended hereby, each and all of which are and shall
remain applicable to the Collateral.

 

 

4

 

This
Amendment confirms and assures a lien and continuing security interest in the
Collateral heretofore granted in favor of the Lender under the Loan Agreement,
and nothing contained herein shall in any manner impair the priority of such
lien and security interest.

 

8.             In order to induce Lender to enter
into this Agreement, the Borrower hereby represents and warrants to the Lender
that as of the date hereto, each of the representations and warranties set
forth in the Loan Agreement, as amended hereby, are true and correct and the
Borrower is in full compliance with all of the terms and conditions of the Loan
Agreement, as amended hereby, and no Event of Default or Default has occurred
and is continuing.

 

9.             Except as specifically amended and
modified hereby, all of the terms and conditions of the Loan Agreement shall
stand and remain unchanged and in full force and effect.  This instrument shall be construed and
governed by and in accordance with the laws of the State of Illinois.

 

IN
WITNESS WHEREOF, the parties have entered into this Fifth Amendment to Loan and
Security Agreement as of the 1st day of June, 1999.

 

	
  BRAD
  FOOTE GEAR WORKS, INC.

  	
   

  	
  LASALLE
  BANK NATIONAL

  
	
  Borrower

  	
   

  	
  ASSOCIATION,
  Lender

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By:

  	
  /s/
  J. Cameron Drecoll

  	
   

  	
   

  	
  By:

  	
  /s/
  Raymond J. Feldman

  	
   

  
	
   

  	
  J.
  Cameron Drecoll

  	
   

  	
   

  	
  Raymond
  J. Feldman

  
	
  Title:
  

  	
  President

  	
   

  	
  Title:
  

  	
  Vice
  President

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Attest:

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
  /s/
  Joan M. Drecoll

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Joan
  M. Drecoll

  	
   

  	
   

  	
   

  
	
  Title:

  	
  Secretary

  	
   

  	
   

  	
   

  

 

 

5Exhibit 10.21

 

NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

 

THIS NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT is dated as of
April 30, 2002, between BRAD FOOTE GEAR WORKS, INC. f/k/a BFG Acquisition
Corp., an Illinois corporation (“Borrower”) and LASALLE BANK NATIONAL
ASSOCIATION f/k/a LaSalle National Bank f/k/a LaSalle Bank NI (“Lender”).

 

WHEREAS, Borrower and Lender have entered in that certain
Loan and Security Agreement dated as of January 17, 1997, as amended by
those certain letter amendments dated February 28, 1997, and July 23,
1997, and those certain Third, Fourth, Fifth, Sixth, Seventh and Eighth
Amendments to Loan and Security Agreement dated as of March 30, 1998, December 1,
1998, June 1, 1999, December 19, 2000, May 1, 2001 and July 1,
2001, respectively (such agreement, as so amended, the “Loan Agreement”) with
regard to the following loans extended by Lender to Borrower: (i) a
$2,000,000.00 revolving line of credit loan (the “Revolving Loan”); and (ii) a
consolidated term loan in the original principal sum of $6,290,373.00 (the “Term
Loan”); and

 

WHEREAS, Borrower has asked Lender to renew the Revolving
Loan until April 29, 2003; and

 

WHEREAS, Lender has agreed to the foregoing requests
provided Borrower executes and delivers such documents and instruments required
by Lender, including a new renewal revolving note described below and this
Amendment;

 

NOW, THEREFORE, for valuable consideration, the receipt of
which is hereby acknowledged, and in consideration of the foregoing premises,
the parties hereto agree as follows:

 

1.                                       The capitalized
terms used herein without definition shall have the same meaning herein as such
terms have in the Loan Agreement.

 

2.                                       The definitions
of “Borrowing Base”, “Termination Date” and “UCC” in Section 1.1 of the
Loan Agreement are each amended in its entirety to read as follows:

 

“Borrowing Base” shall mean, as of any applicable date of
determination, an amount equal to eighty percent (80%) of Borrower’s Eligible
Accounts.

 

“Termination Date” shall mean April 29, 2003, or such
earlier date upon which the Revolving Note becomes due and payable.

 

“UCC” shall mean the Uniform Commercial Code as in effect in
the State of Illinois from time to time.

 

3.                                       The first
sentence of the first paragraph in Section 2.3 of the Loan Agreement is
amended to read as follows:

 

“2.3                           Revolving Note.  The Revolving Loan shall be evidenced by a
renewal revolving note, executed by the Borrower, dated April 30, 2002,
payable to the Lender on April 29, 2003,

 

1

 

and
in the principal sum of Two Million and 00/100 ($2,000,000.00) Dollars (the “Revolving
Note”).”

 

Hereafter,
all references in the Loan Agreement and in this Amendment to the term “Revolving
Note” shall be deemed to refer to the aforesaid renewal revolving note dated April 30,
2002, in the principal sum of $2,000,000.00, executed by Borrower, payable to
the order of Lender on April 29, 2003, together with interest payable
monthly as therein described.

 

4.                                       Section 7.1
of the Loan Agreement is amended as follows:

 

(a)                                  The definition
of “Accounts” is hereby amended in is entirety to read as follows:

 

“ACCOUNTS:  All present and future accounts, accounts
receivable, health-care-insurance receivables, and other rights of the Borrower
to payment of a monetary obligation, whether or not earned by performance, (i) for
property that has been or is to be sold, leased, licensed, assigned, or
otherwise disposed of, (ii) for services rendered or to be rendered, (iii) for
a policy of insurance issued or to be issued, (iv) for a secondary
obligation incurred or to be incurred, (v) for energy provided or to be
provided, (vi) for the use or hire of a vessel under a charter or other
contract, (vii) arising out of the use of a credit or charge card or information
contained on or for use with the card, or (viii) as winnings in a lottery
or other game of chance operated or sponsored by a State, governmental unit of
a State, or person licensed of authorized to operate the game by a State or
governmental unit of a State (excluding (i) rights to payment evidenced by
chattel paper or an instrument, (iii) commercial tort claims, (iii) deposit
accounts, (iv) investment property, (v) letter-of-credit rights or
letters of credit, or (vi) rights to payment for money or funds advanced
or sold, other than rights arising out of the use of a credit or charge card or
information contained on or for use with the card) (collectively, “Accounts”);”.

 

(b)                                 To add the
following new last paragraphs at the end of Section 7.1:

 

“Without
limiting the generality of the foregoing, to secure the prompt and complete
payment, observance and performance of the Liabilities, Borrower hereby gives,
grants and pledges to the Lender a continuing security interest in and to all
of the Borrower’s right, title and interest in and to the following additional
property and interests in property, whether now owned or existing or hereafter
acquired or arising and wheresoever located: all letter-of-credit rights,
supporting obligations, software, embedded software contained in Inventory
and/or Equipment, commercial tort claims, notes secured by real estate, payment
intangibles, and software together, in each instance, with all accessions and
additions thereto, substitutions therefore, and all renewals, replacements,
proceeds and products thereof.

 

Capitalized
words and phrases used in this Section 7.1 herein and not otherwise
defined herein shall have the respective meanings assigned to such terms in the
UCC.”

 

5.                                       Section 7.5
of the Loan Agreement is hereby amended to add the following new last paragraph
thereto:

 

“In
addition to the foregoing paragraph, Borrower hereby irrevocably authorizes the
Lender at any time and from time to time to file in any Uniform Commercial Code
jurisdiction any initial financing statements and amendments thereto that (a) indicate
the Collateral (i) as all assets of

 

2

 

Borrower
or words of similar effect, regardless of whether any particular asset
comprised in the Collateral falls within the scope of Article 9 of the UCC
or the Uniform Commercial Code of such jurisdiction, or (ii) as being of
an equal or lesser scope or with greater detail, and (b) contain any other
information required by part 5 of Article 9 of the UCC for the sufficiency
or filing office acceptance of any financing statement or amendment, including (i) whether
Borrower is an organization, the type of organization and any organization
identification number issued to Borrower and, (ii) in the case of a
financing statement filed as a fixture filing or indicating Collateral as
as-extracted collateral or timber to be cut, a sufficient description of real
property to which the Collateral relates. The Borrower agrees to furnish any
such information to the Lender promptly upon request. To the extent applicable,
Borrower also ratifies its authorization for the Lender to have filed in any
Uniform Commercial Code jurisdiction any like initial financing statements or
amendments thereto if filed prior to the date of this authorization. Borrower
also authorizes the Lender to amend any existing UCC financing statements filed
by the Lender against Borrower to reflect the Collateral.”

 

6.                                       Section 13.1
of the Loan Agreement is amended to add the following new subsection thereto:

 

“(v)                           The Borrower’s
organizational identification number issued by the Secretary of State of
Illinois is ________. The exact legal name of the Borrower is as set forth in
the first paragraph of this Agreement, and the Borrower currently does not
conduct, nor has it during the last five (5) years conducted, business
under any other name or trade name, except as reflected in Exhibit B
attached hereto. The Borrower will not change its organizational identification
number, its type of organization, its jurisdiction of organization or other
legal structure.”

 

7.                                       Section 15
of the Loan Agreement is hereby amended to add the following new subsections
thereto:

 

“(x)                             If the Lender
receives a notice from any other secured party of a proposed disposition of the
Collateral or any portion thereof or otherwise learns of any such proposed
disposition (whether or not such security interest is permitted by the terms of
this Agreement; nothing in this subsection shall be construed to constitute
consent by Lender to the creation of any security interest in the Collateral
other than the Lender’s security interest)”

 

8.                                       The Borrower
acknowledges and agrees that the Loan Agreement is and as amended hereby shall
remain in full force and effect, and that the Collateral is and shall remain
subject to the lien and security interest granted and provided for by the Loan
Agreement as amended hereby, for the benefit and security of all obligations
and indebtedness heretofore, now or hereafter owed by Borrower to Lender,
including, without limitation, the indebtedness evidenced by the Revolving Note
(as renewed as aforesaid), the Term Note and all other Indebtedness.

 

Without
limiting the foregoing, the Borrower hereby agrees that, notwithstanding the
execution and delivery hereof, (i) all rights and remedies of the Lender
under the Loan Agreement, (ii) all obligations and indebtedness of the
Borrower thereunder, and (iii) the lien and security interest granted and
provided for thereby are and as amended hereby shall remain in full force and
effect for the benefit and security of all obligations and indebtedness of the
Borrower thereunder, including, without limitation, the indebtedness evidenced
by the Revolving Note (as renewed as

 

3

 

aforesaid),
the Term Note and all other Indebtedness, it being specifically understood and
agreed that this Amendment shall constitute and be an acknowledgment and
continuation of the rights, remedies, lien and security interest in favor of
the Lender, and the obligations and indebtedness of the Borrower to the Lender,
which exist under the Loan Agreement as amended hereby, each and all of which
are and shall remain applicable to the Collateral.

 

This
Amendment confirms and assures a lien and continuing first priority security
interest in the Collateral heretofore granted in favor of the Lender under the
Loan Agreement, and nothing contained herein shall in any manner impair the
priority of such lien and security interest.

 

9.                                       In order to
induce Lender to enter into this Agreement, the Borrower hereby represents and
warrants to the Lender that as of the date hereto, each of the representations
and warranties set forth in the Loan Agreement, as amended hereby, are true and
correct and the Borrower is in full compliance with all of the terms and
conditions of the Loan Agreement, as amended hereby, and no Event of Default or
Default has occurred and is continuing.

 

10.                                 Except as
specifically amended and modified hereby, all of the terms and conditions of
the Loan Agreement shall stand and remain unchanged and in full force and
effect. This instrument shall be construed and governed by and in accordance
with the laws of the State of Illinois.

 

11.                                 Borrower
further agrees to reimburse the Lender for its legal fees incurred in documenting
the Revolving Loan renewal and other changes hereinabove described.

 

IN
WITNESS WHEREOF, the parties have entered into this Ninth Amendment to Loan and
Security Agreement as of the 30th day of April, 2002.

 

	
  BRAD
  FOOTE GEAR WORKS, INC.

  	
   

  	
  LASALLE
  BANK NATIONAL

  
	
  Borrower

  	
   

  	
  ASSOCIATION,
  Lender

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
  /s/
  J. Cameron Drecoll

  	
   

  	
  By:

  	
  /s/
  Dean Best

  
	
   

  	
  J.
  Cameron Drecoll

  	
   

  	
   

  	
  Dean
  Best

  
	
  Title:

  	
  President

  	
   

  	
  Title:

  	
  Vice
  President

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Attest:

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
  /s/
  Joan M. Drecoll

  	
   

  	
   

  	
   

  
	
   

  	
  Joan
  M. Drecoll

  	
   

  	
   

  	
   

  
	
  Title:

  	
  Secretary

  	
   

  	
   

  	
   

  

 

4

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