Document:

Escrow Agreement

 Exhibit 10.13 
  
 ESCROW AGREEMENT 
  
 This Escrow Agreement (this “Agreement”) is entered into as of June 27, 2003 by and among
HouseValues, Inc., a Washington corporation (the “Buyer”), David Huey and Suzanne Huey, (the “Shareholders”), and Comerica Bank-California, a California banking corporation (in its capacity as escrow
agent, the “Escrow Agent”). 
  
 RECITALS 
  
 A. Pursuant to
the provisions of that certain Stock Purchase Agreement dated as of June 27, 2003 (the “Stock Purchase Agreement”), among the Buyer, Soar Solutions, Inc., an Illinois corporation (the “Company”), and
the Shareholders, the Buyer will purchase from the Shareholders all of the outstanding capital stock of the Company (the “Shares”). 
  
 B. Under the terms of the Stock Purchase Agreement, $500,000 of the Purchase Price to be paid to the Shareholders for the Shares (the
“Escrow Amount”) is to be deposited in an escrow account with the Escrow Agent. 
  
 C. The Stock Purchase Agreement provides that the Escrow Agent shall hold and administer the Escrow Amount in accordance with the terms of this
Agreement. 
  
 D. The execution and delivery of this
Agreement is a condition precedent to the obligations of the parties under the Stock Purchase Agreement. 
  
 AGREEMENT 
  
 NOW, THEREFORE, in consideration of the covenants and conditions set forth herein, the parties agree as follows. 
  

	1.	Delivery of Escrow Amount 

  
 On September 30, 2003, the Buyer shall deposit the Escrow Amount and $25,000 in escrow with the Escrow Agent, to be held and administered in accordance
with the terms and conditions of this Agreement. 
  

	2.	Administration 

  
 The Escrow Agent shall hold and safeguard the Escrow Amount, until the Termination Date (as defined below), and shall administer, hold and dispose of such
Escrow Amount only in accordance with the terms of this Agreement. 
  

	3.	Payment of Escrow Amount 

  
 (a) The Escrow Amount shall be payable to the Shareholders based on the maintenance of Buyer’s permitted, active data feeds with all Multiple Listing
Service (“MLS”) partners (“MLS Relationships”) listed or described on the MLS Scorecard (as defined below) following the Closing Date. For purposes of this paragraph, “permitted” shall
mean (i) allowed pursuant to the terms of a 

  

 
written contract or (ii) allowed pursuant to usage where no written contract is required, and “active” shall mean capable of being accessed,
regardless of whether such data feed was actually accessed. Attached hereto as Exhibit A, is a table assigning point values to each MLS Relationship (the “MLS Scorecard”). On the last day of each calendar month, the
points assigned to each MLS Relationship existing on that date, as determined by Buyer, will be totaled using the point values indicated on the MLS Scorecard (the “Monthly MLS Score”). On the last calendar day of each of
Buyer’s fiscal quarters, beginning September 30, 2003, the Monthly MLS Scores for the three months comprising such fiscal quarter shall be combined and averaged (the “Quarterly MLS Score”). If the Shareholders shall
contest the Monthly MLS Score or the Quarterly MLS Score, as determined by the Buyer pursuant to this Section 3(a), the parties shall submit all relevant documentation to a mutually agreeable third party with experience in the industry, and that
third party’s determination as to the correct Monthly MLS Score or Quarterly MLS Score, as applicable, shall be binding on the parties. Any fees charged in connection with the services referred to in the preceding sentence shall be shared
equally between the Buyer and the Shareholders. 
  
 (b) So long as
the Quarterly MLS Score for the fiscal quarter ending on the applicable Disbursement Date below totals at least 650 points (the “Target MLS Score”), the applicable Escrow Amount set forth below plus accrued interest on
the Escrow Amount less any offset made pursuant to Section 4.13 hereof (“Offset”) shall be payable to the Shareholders on such Disbursement Date as follows (each a “Disbursement Date”): 
  

	 	•	 	On September 30, 2003, $125,000 of the Escrow Amount shall be disbursed. 

  

	 	•	 	On March 31, 2004, $125,000 of the Escrow Amount shall be disbursed. 

  

	 	•	 	On June 30, 2004, $125,000 of the Escrow Amount shall be disbursed. 

  

	 	•	 	On September 30, 2004, $125,000 of the Escrow Amount shall be disbursed. 

  
 (c) If any Quarterly MLS Score on an applicable Disbursement Date shall be less than the Target MLS Score, that Quarterly MLS Score shall be divided by
the Target MLS Score. The quotient obtained shall then be converted into a percentage and the Shareholders shall be entitled to receive that percentage of the Escrow Amount disbursable on a particular Disbursement Date. For example, if the Quarterly
MLS Score on March 31, 2004 was 325, the Quarterly MLS Score would be divided by the Target MLS Score (325/650 = .5), the quotient would be converted into a percentage (.5 = 50%) and the Shareholders would be entitled to receive that percentage
(50%) of the Escrow Amount disbursable on March 31, 2004 ($62,500). 
  
 (d) If any Escrow Amount remains undisbursed as of October 1, 2004, the remaining Escrow Amount, plus accrued interest, less any Offset, shall be payable to as follows: 
  

	 	•	 	On December 31, 2004, the balance of the Escrow Amount, plus accrued interest, less any Offset, shall be disbursed to the Shareholders, provided the Quarterly MLS Score for the
fiscal quarter ended December 31, 2004 equals or exceeds the Target MLS Score 

  

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 (e) If any Escrow Amount remains undisbursed as of January 1, 2005, the remaining Escrow Amount, plus
accrued interest, less any Offset, shall be payable as follows: 
  

	 	•	 	On March 31, 2005, the balance of the Escrow Amount, plus accrued interest, less any Offset, shall be disbursed to the Shareholders, provided the Quarterly MLS Score for the fiscal
quarter ended March 31, 2005 equals or exceeds the Target MLS Score. 

  
 (f) If any Escrow Amount remains undisbursed as of April 1, 2005, then promptly thereafter, without further instructions from any other party hereto, the Escrow Agent shall disburse the remaining Escrow Amount,
including accrued interest on such amount, to the Buyer. 
  
 (g)
The Escrow Agent shall not be concerned with or have any liability with respect to the terms of Sections 3(a), (b), (c), (d), or (e) hereof or the content of Exhibit “A” hereto. Without limiting the generality of the forgoing, the Escrow
Agent shall have no obligation to calculate the Quarterly MLS Score. Prior to each Disbursement Date, the Buyer shall deliver a memorandum to the Escrow Agent setting forth the amounts to be disbursed on such Disbursement Date (each, a
“Buyer Memorandum”). The Escrow Agent shall disburse the Escrow Amount solely in accordance with directions contained in the Buyer Memorandum. Except as otherwise specified in Subsection 3(f), the Escrow Agent shall not
disburse any funds without its prior receipt of a Buyer Memorandum specifying the amount to be paid to the Shareholders. 
  
 (h) All obligations of the Escrow Agent, under this Agreement, shall terminate upon final delivery of any Escrow Amount to the appropriate party or
parties in accordance with the terms of this Agreement (the “Termination Date”). 
  
 (i) Until the Termination Date, the Escrow Amount, less disbursements, shall be invested solely in Comerica Bank money-market funds. The Escrow Agent
shall not be obligated to earn any particular yield or rate of return on the Escrow Amount. All interest and other earnings on the Escrow Amount shall be retained by the Escrow Agent until disbursed in accordance with the terms hereof. All interest
earned on the Escrow Amount shall be for the account of and reported to the appropriate governmental authorities under the name of the Shareholders. The Shareholders represents and warrants to the Escrow Agent that (a) its Federal tax identification
number (“TIN”) specified on the signature page of this Agreement underneath their signature is correct and is to be used for 1099 tax reporting purposes, and (b) they are not subject to backup withholding. 
  

	3.	Provisions Regarding the Escrow Agent 

  

	 	3.1	Liability of the Escrow Agent 

  
 In performing any duties under this Agreement, the Escrow Agent shall not be liable to any party for damages, losses, or expenses, except for gross
negligence or willful misconduct on the part of the Escrow Agent. The Escrow Agent shall not incur any liability for (i) any act or failure to act made or omitted in good faith or (ii) any action taken or omitted in reliance on any instrument,
including any written statement or affidavit provided for in this Agreement that the Escrow Agent shall, in good faith, believe to be genuine, nor will the Escrow Agent be liable or responsible for forgeries, fraud, impersonations, or determining
the scope of any representative authority, provided that the Escrow Agent believed, in good faith, that such forgeries, fraud, or impersonations were genuine and acted without gross negligence or willful misconduct. In addition, the Escrow Agent may
consult with legal counsel in connection with the Escrow Agent’s duties under this Agreement and shall be fully protected in any act taken, suffered, or permitted by it in good faith and in accordance with the advice of counsel. The Escrow
Agent is not responsible for determining and 

  

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verifying the authority of any person acting or purporting to act on behalf of any party to this Agreement. 
  

	 	3.2	Fees and Expenses 

  
 The Buyer agrees shall pay the Escrow Agent, as compensation for its services hereunder: (a) a $2,000 non-refundable start-up fee, payable upon the Escrow
Agent’s execution of this Agreement; and (b) an annual renewal fee of $1,000, payable on each anniversary date of this Agreement; and (c) a $70 escrow processing fee for each receipt and disbursement of Escrow Amount upon the instructions in
the Buyer Memorandum. It is understood that the fees and usual charges agreed on for services of the Escrow Agent shall be considered compensation for ordinary services as contemplated by this Agreement. In the event that the conditions of this
Agreement are not promptly fulfilled, or if the parties request a substantial modification of its terms, or if any controversy arises, or if the Escrow Agent is made a party to, or intervenes in, any litigation pertaining to this escrow or its
subject matter, the Escrow Agent shall be reasonably compensated for such extraordinary services and shall be reimbursed for all costs, attorneys’ fees, including allocated costs of in-house counsel, and expenses occasioned by such default,
delay, controversy, or litigation and the Escrow Agent shall have the right to retain all documents and/or other things of value at any time held by the Escrow Agent in this escrow until such compensation, fees, costs, and expenses are paid. All
fees and expenses of the Escrow Agent shall be the responsibility of the Buyer. If the Buyer fails to pay any fee or other sums owing to the Escrow Agent hereunder, then the Escrow Agent may pay out of and charge to the Escrow Amount all such fees
and sums. 
  

	 	3.3	Controversies 

  
 If any controversy arises between the parties to this Agreement, or with any other party, concerning the subject matter of this Agreement, its terms or
conditions, the Escrow Agent will not be required to determine the controversy or to take any action regarding it. The Escrow Agent may hold all documents and funds and may wait for settlement of any such controversy. The Escrow Agent is authorized
to deposit with the arbitrator or any court of competent jurisdiction, as applicable, all documents and funds held in escrow, except all costs, expenses, charges, and reasonable attorneys’ fees incurred by the Escrow Agent due to the action.
Upon initiating such action, the Escrow Agent shall be fully released and discharged of and from all obligations and liability imposed by the terms of this Agreement. 
  

	 	3.4	Indemnification of the Escrow Agent. 

  
 The Buyer and the Shareholders agree, jointly and severally, to indemnify and hold the Escrow Agent harmless against any and all losses, claims,
damages and liabilities, including reasonable costs of investigation, attorneys’ fees, and disbursements that may be imposed on the Escrow Agent or incurred by the Escrow Agent in connection with the performance of its duties under this
Agreement, including, but not limited to, any litigation arising from this Agreement or involving its subject matter, unless such loss, liability, claim or expense shall have been determined by a court of competent jurisdiction to be a result of the
Escrow Agent’s gross negligence or willful misconduct. Anything in this Agreement to the contrary notwithstanding, in no event shall the Escrow Agent be liable for special, punitive, 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 

  

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the likelihood of such damages and regardless of the form of action. The obligations to indemnify the Escrow Agent under this section shall survive
termination of this Agreement. 
  

	 	3.5	Resignation of the Escrow Agent 

  
 The Escrow Agent may resign at any time upon giving at least thirty (30) days’ written notice to the parties; provided, however that no such
resignation shall become effective until the appointment of a successor escrow agent, which shall be accomplished as follows: the Buyer and the Shareholders shall use their best efforts to mutually agree on a successor escrow agent within thirty
(30) days after receiving such notice. If the Buyer and the Shareholders fail to agree on a successor escrow agent within such time, the Escrow Agent shall have the right to appoint a successor escrow agent authorized to do business in the State of
Washington, which successor escrow agent shall be reasonably acceptable to the Buyer and the Shareholders. The successor escrow agent shall execute and deliver an instrument accepting such appointment and it shall, without further acts, be vested
with all the estates, properties, rights, powers, and duties of the predecessor escrow agent as if originally named as escrow agent. Upon the effective appointment of a successor escrow agent, the Escrow Agent shall be discharged from any further
duties and liability under this Agreement. 
  

	4.	General 

  

	 	4.1	Assignment 

  
 The Shareholders may not assign any of their rights or obligations hereunder. Buyer may assign any of its rights or obligations hereunder without the
prior written consent of the Shareholders. This Agreement shall be binding upon and inure to the benefit of the parties and their respective heirs, legal representatives, successors and assigns. 
  

	 	4.2	Entire Agreement 

  
 This Agreement embodies and constitutes the entire understanding among the parties with respect to the transactions contemplated by this Agreement, and
all prior or contemporaneous agreements, understandings, representations and statements between the parties, oral or written, are merged into and superseded by this Agreement. 
  

	 	4.3	Modification and Waiver 

  
 Neither this Agreement nor any of its provisions may be modified, amended, discharged or terminated except in writing signed by the party against which
the enforcement of such modification, amendment, discharge or termination is sought, and then only to the extent set forth in such writing. No failure of a party to insist upon strict performance by the other party of any of the terms and conditions
of this Agreement shall constitute or be deemed to be a waiver of any such term or condition, or constitute an amendment or waiver of any such term or provision by course of performance, and each party, notwithstanding any failure to insist upon
strict performance, shall have the right thereafter to insist upon strict performance by the other party of any and all of the terms and conditions of this Agreement. Any party may, in its sole and absolute discretion, waive, only in writing, any
condition set forth in this Agreement to such party’s obligations under this Agreement which is for the sole benefit of the waiving party, in which event the non-waiving party 

  

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or parties shall be obligated to close the transaction upon all of the remaining terms and conditions of this Agreement. 
  

	 	4.4	Notices 

  
 Any notice required or permitted under this Agreement shall be in writing, and shall be delivered personally or sent by first class certified mail, or by
air courier, postage or other charges prepaid, to the parties at the following addresses: 
  

			
	to the Escrow Agent:	  	 Comerica Bank-California
 Special Corporate Financial
Services Escrow
 275 Battery Street, Suite 1100
 San Francisco,
California 94111
 Attn: Winnie Chow
 Fax. No. (415)
954-5033

		
	to the Shareholders:	  	 David Huey and Suzanne Huey
 125 Carrol Gate
Road
 Wheaton, Illinois 60187
 Fax. No. (630)
839-4715

		
	to the Buyer:	  	 HouseValues, Inc.
 15 Lake Bellevue Drive

Bellevue, Washington 98005
 Attention: Chief Executive Officer

Fax. No. (425) 732-4193

  
 or to such other address or addresses
as the parties may from time to time specify in writing. Notice shall be provided by air courier and shall be deemed effective upon the earlier of actual delivery to the recipient or six days after the date on which such notice was delivered to the
courier service. If notice is sent in any manner other than as provided by this Section 5.4, notice shall be deemed received when actually received by the party to whom the notice was delivered. 
  

	 	4.5	Governing Law; Severability 

  
 This Agreement shall be governed for all purposes by the laws of the State of Washington applicable to agreements executed and to be wholly performed in
Washington. Nothing contained in this Agreement shall be construed so as to require the commission of any act contrary to law, and whenever there is any conflict between any provision contained in this Agreement and any present or future statute or
law, ordinance or regulation or judicial ruling or governmental decision with the force of law contrary to which the parties have no legal right to contract, the latter shall prevail, but the provision of the Agreement which is affected shall be
limited only to the extent necessary to 

  

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bring it within the requirements of such law, ruling or decision without invalidating or affecting the remaining provisions of the Agreement. 
  

	 	4.6	Counterparts 

  
 This Agreement may be executed in counterparts, each of which shall be an original, but such documents shall constitute one and the same document.

  

	 	4.7	Contract Interpretation 

  
 The parties acknowledge that they have caused this Agreement to be reviewed and approved by legal counsel of their own choice. This Agreement has been
specifically negotiated, and any presumption that an ambiguity contained in this Agreement shall be construed against the party that caused this Agreement to be drafted shall not apply to the interpretation of this Agreement. 
  

	 	4.8	Other Parties 

  
 Nothing contained in this Agreement shall be construed as giving any person, firm, corporation or other entity, other than the parties to this Agreement
and their successors and permitted assigns, any right, remedy or claim under or in respect of this Agreement or any term or condition contained in this Agreement. 
  

	 	4.9	Incorporation by Reference 

  
 All attached exhibits are incorporated as terms of this Agreement by this reference. 
  

	 	4.10	Cooperation 

  
 Each party will, at the reasonable request of any other party, from time to time execute and deliver such other assignments, transfers, conveyances, and
other instruments and documents and do and perform such other acts and things as may be reasonably necessary or desirable for effecting complete consummation of this Agreement and the transactions contemplated hereby. 
  

	 	4.11	Defined Terms 

  
 Capitalized terms used herein and not otherwise defined shall have the meaning set forth in the Stock Purchase Agreement. 
  

	 	4.12	No Conflict 

  
 In the event of any conflict between the terms of this Agreement and the Stock Purchase Agreement, the terms of this Agreement shall prevail. 

 

	 	4.13	Offset 

  
 All amounts otherwise disbursable to the Shareholders hereunder shall be subject to setoff, upon a breach by the Shareholders of the representations and
warranties contained in Section 5 of the Stock Purchase Agreement and as provided in Section 13.5 of the Stock Purchase Agreement, the terms of which are incorporated herein by this reference. 
  

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	 	4.14	Arbitration 

  
 All disputes between the Shareholders and/or the Buyer, on the one hand, the Escrow Agent on the other hand, relating to the payment of the Escrow Funds
and/or the Escrow Agent’s rights, obligations, and liabilities arising from or related to this Agreement shall be resolved by mandatory binding expedited arbitration under the Commercial Arbitration Rules of the American Arbitration Association
(“AAA”) in effect as of the date the request for arbitration is filed (the “Rules”) before a single, neutral arbitrator, selected in accordance with the Rules. Each of the parties may initiate such an arbitration pursuant to the
Rules. The arbitration shall be held in San Francisco, California (such site being herein referred to as the “Forum”). The Buyer, the Shareholders, and the Escrow Agent each agree that it will abide by any decision rendered in such
arbitration, and that any court having jurisdiction may enforce such a decision. Each of the parties hereto submits to the non-exclusive personal jurisdiction of the courts of the Forum as an appropriate place for compelling arbitration or giving
legal confirmation of any arbitration award, and irrevocably waives any objection which it may now or hereafter have to the venue of any such enforcement proceeding brought in any of said courts and any claim of inconvenient forum. Each of the
parties agrees that service of process for all arbitration proceedings may be made in accordance with the Rules and shall be deemed effective as provided therein. Any claim or action of any kind (including, but not limited to, any claims for breach
of contract), against the Escrow Agent arising out of or connected with this Agreement shall be barred and waived unless asserted by the commencement of an arbitration proceeding within 180 days after the accrual of the action or claim,. This
limitation shall also apply to claims, which might otherwise be asserted against the Escrow Agent as a “set-off,” credit, cross-complaint, or defense. This section and the forgoing limitation shall survive termination of this Agreement.

  

	 	4.15	Filings and Resolution 

  
 Concurrently with its execution and delivery of this Agreement, the Buyer shall deliver to the Escrow Agent (a) a copy of its articles of incorporation,
(b) corporate resolutions, signed by its corporate secretary, authorizing it to enter this Agreement, and (c) a completed Certificate of Authority in the form attached hereto as Exhibit “B.” 
  
 IN WITNESS WHEREOF, the parties have caused this Agreement to be duly
executed by their respective representatives hereunto authorized as of the day and year first above written. 
  

			
	 ESCROW AGENT:

	
	COMERICA BANK-CALIFORNIA
		
	 By:
	 	 /s/ Lawrence T. Nelson

	 	 	 Lawrence T. Nelson, Vice President
 Its Authorized Officer

  

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	 SHAREHOLDERS:

		
	 	 	 /s/ David Huey

	 	 	 David Huey

	 TIN:
	 	 
		
	 	 	 /s/ Suzanne Huey

	 	 	 Suzanne Huey

	 TIN:
	 	 
	
	BUYER:
	
	 HOUSEVALUES, INC.
 a Washington corporation

		
	 By:
	 	 /s/ Ian Morris

	 	 	 CEO

	 	 	 Its Authorized Officer

  

 -9- 

 Exhibit A 
  

MLS SCORECARD 
  

					
	 Market

	  	 MLS

	  	 Points

	Los Angeles	  	SoCal	  	35
	Los Angeles	  	MRMLS	  	35
	Los Angeles	  	CRISNet	  	30
	Los Angeles	  	CLAW	  	30
	Los Angeles	  	South Bay	  	10
	New York	  	Garden State MLS	  	30
	New York	  	Long Island MLS	  	30
	New York	  	New Jersey MLS	  	15
	New York	  	Westchester MLS	  	15
	New York	  	New Jersey Shore MLS Service	  	5
	New York	  	CT Consolidated MLS	  	5
	New York	  	Monmouth County Association of Realtors	  	5
	New York	  	South Jersey Shore Regional MLS	  	5
	New York	  	Staten Island	  	5
	San Francisco	  	RE InfoLink	  	25
	San Francisco	  	East Bay Regional Data	  	20
	San Francisco	  	BAREIS	  	20
	San Francisco	  	Greater San Francisco	  	5
	San Francisco	  	MAX MLS	  	5
	Washington D.C. & Baltimore	  	MRIS	  	60
	Boston	  	MLS PIN	  	30
	Boston	  	NNEREN	  	15
	Chicago	  	MLSNI	  	40
	Seattle	  	NWMLS	  	10
	Minneapolis	  	RMLS	  	35
	Philadelphia	  	TreND	  	35
	Sacramento	  	Metrolist Service	  	24
	Miami	  	Southeast Florida	  	25
	Denver	  	Metrolist Service	  	25
	San Diego	  	Sandicor	  	25
	Dallas	  	NTREIS	  	20
	Phoenix	  	ARMLS	  	20
	Atlanta	  	FMLS and MLS	  	16

  

 -i- 

					
	 Market

	  	 MLS

	  	 Points

	Detroit	  	 	  	13
	Houston	  	HAR	  	13
	Tampa	  	Manatee, Sarasota	  	13
	Portland OR	  	Yes	  	12
	Hartford	  	RMLIS	  	12
	Orlando	  	Space Coast	  	8
	Providence	  	 	  	8
	Columbus	  	 	  	8
	Honolulu HI	  	 	  	8
	Grand Rapids MI	  	 	  	8
	West Palm Beach	  	 	  	8
	Salt Lake City	  	 	  	8
	Las Vegas	  	 	  	8
	Indianapolis	  	 	  	4
	Albany NY	  	 	  	4
	Nashville	  	 	  	4
	Oklahoma City OK	  	 	  	4
	Norfolk	  	 	  	4
	Milwaukee	  	 	  	4
	Fresno CA	  	 	  	4
	St. Louis	  	 	  	4
	Kansas City	  	 	  	4
	Raleigh	  	 	  	4
	Cleveland	  	 	  	4
	Madison WI	  	 	  	4
	Richmond	  	 	  	4
	Tucson	  	 	  	4
	Charlotte	  	 	  	4
	Rochester NY	  	 	  	4
	Louisville KY	  	 	  	4
	San Antonio	  	 	  	3
	Cincinnati	  	 	  	3
	Portland ME	  	 	  	3
	Jacksonville	  	 	  	3
	Pittsburgh PA	  	 	  	3
	Austin	  	 	  	3
	Albuquerque NM	  	 	  	3
	Harrisburg PA	  	 	  	3
	Flint MI	  	 	  	2
	Dayton	  	 	  	2

  

 -ii- 

					
	 Market

	  	 MLS

	  	 Points

	Reno NV	  	 	  	2
	Monterey CA	  	 	  	2
	Memphis	  	 	  	2
	Boise ID	  	 	  	2
	Spokane WA	  	 	  	2
	Greensboro	  	 	  	2
	Fort Myers	  	 	  	2
	Charleston SC	  	 	  	2
	Columbia SC	  	 	  	2
	Wichita KS	  	 	  	2
	Santa Barbara	  	 	  	2
	New Orleans	  	 	  	2
	Mobile AL	  	 	  	2
	Lansing MI	  	 	  	2
	Green Bay WI	  	 	  	2
	Des Moines IA	  	 	  	2
	Toledo	  	 	  	2
	Tulsa OK	  	 	  	2
	Colorado Springs	  	 	  	2
	Knoxville TN	  	 	  	2
	Cedar Rapids IA	  	 	  	2
	All other MLS relationships with more than 100 active agent members	  	 	  	1 each

  

 -iii- 

 Exhibit B 
  

CERTIFICATE OF AUTHORITY 
  
 The undersigned hereby certifies that any one of the following persons acting alone has the authority to execute and deliver documents on behalf of
HouseValues, Inc. pursuant to the Escrow Agreement, dated as of June 27, 2003, between Comerica Bank-California, HouseValues, Inc., David Huey, and Suzanne Huey. 
  

					
	 Name

	  	 Position

	 	 Manual Signature

	 	  	[example]	 	 
			
	 Ian Morris
	  	 Chief Executive Officer
	 	 /s/ Ian Morris

  

			
	 HouseValues, Inc.

		
	 By:
	 	 /s/ Mark Powell

	 Name:
	 	 Mark Powell

	 Its:
	 	 President

  

 -iv-Commitment Letter

 Exhibit 10.1 
  

					
	

	  	 	    	 2000 Wade Hampton Blvd
 Greenville, SC
29615
 864.609.4950 direct
 864.609.4955 fax
 charles.arndt@rbc.com

	  	 	    
	  	 	    
	  	 	    
	  	 	    

  
 February 22, 2005 
  
 Ms. Nancy K. Hedrick 
 President and CEO 
 Computer Software Innovations, Inc. 
 1661 East Main Street, Suite A 
 Easley, South Carolina 29642 
  
 Dear Ms. Hedrick: 
  
 RBC Centura Bank (“Bank”) is pleased to extend this commitment to make the Revolving Facility (the “Loan”) described in this letter to the Borrower
identified below. The Loan will be made through a loan agreement between Bank and Borrower (the “Loan Agreement”) on the terms and conditions set forth in this letter and any attachments to this letter. Bank’s commitment set forth in
this letter shall be referred to as the “Commitment” and this letter shall be referred to as the “Commitment Letter”. All capitalized terms used but not defined herein shall have the same meaning ascribed to them in the Loan
Agreement. 
  
 1. General Terms. 
  

			
	Borrower	 	Computer Software Innovations, Inc. (CSI), a Delaware Corporation.
		
	Loan Amount	 	Up to Three Million Dollars ($3,000,000) as shown below.
		
	Type of Loan	 	“Revolving Facility” – a revolving loan of up to Three Million dollars ($3,000,000).
		
	Purpose of Loan	 	The Revolving Facility shall be used for working capital purposes and for the recapitalization of Borrower.
		
	Interest Rate	 	The Revolving Facility shall bear interest at a variable rate equal to “LIBOR” plus 275 basis points. “LIBOR” is the London Interbank Offered Rate for a given one-month
period.
		
	Payment Terms	 	Revolving Facility - Subject to the terms and conditions of the Loan Documents, interest at the Revolving Facility Interest Rate shall be paid monthly, in arrears. This begins the first day
of the first calendar month following the Closing Date and continuing on the same calendar day of each consecutive month thereafter until 364th day following the Closing Date, when the principal outstanding and all accrued but unpaid interest shall
be due and payable in full.

 Computer Software Innovations, Inc. 
 February 10, 2005 
 Page 2 
  

			
	Prepayment Premium	 	None.
		
	Loan Advances	 	Revolving Facility - Advances under the Revolving Facility shall be based on a borrowing base and a certified borrowing base report. Bank will make advances to Borrower provided the
outstanding balance under the Revolving Facility does not exceed the lesser of (i) the borrowing base which shall be comprised of eighty percent (80%) of Eligible Accounts available under revolving facility commitment.
		
	 	 	“Eligible Accounts” means accounts of the Borrower, in which Borrower has the right to grant a security interest to Bank, that are in existence and have arisen in the
ordinary course of Borrower’s business and that comply with all of Borrower’s representations and warranties to Bank set forth in the Loan Agreement and the other Loan Documents; provided, the Bank may change the standards of eligibility
by giving Borrower thirty (30) days’ prior written notice. Unless otherwise agreed to by Bank, Eligible Accounts shall not include the following: (i) the portion of accounts outstanding more than ninety days (90) after billing date, (ii) all
amounts due from any affiliate, (iii) bad or doubtful accounts, (iv) accounts subject to any security interest or other encumbrance ranking or capable of ranking in priority to the Banks security, (v) amount of all holdback, contra account or rights
of setoff on the part of any account debtor, (vi) accounts of non-U.S. debtors not pre-approved by Bank (vii) any accounts which the Bank has previously advised to be ineligible. Amounts in excess of the percentages defined below for Concentration
and Cross-Age accounts will also be deemed ineligible unless agreed to by the Bank. “Concentration” means accounts in excess of 20% of the total Eligible Accounts. “Cross-Age” means those accounts with 25% or more of their total
outstanding balance over 90 days from invoice date. Exceptions to the Concentration rule will be permitted by Bank for pre-approved obligor(s) that would otherwise be considered Concentration Accounts. Pre-approved obligors will be listed as an
Attachment to the Loan Documents.
		
	Collateral	 	The Loan will be secured by valid, enforceable and perfected first priority liens and security interests in the following (“Collateral”): all of Borrower’s assets and property,
including (without limitation) all of Borrower’s furniture, fixtures, equipment, accounts and accounts receivable, documents, instruments, securities and deposit accounts, acquired software and computer programs and Intellectual
Property.
		
	 	 	By acceptance of this Commitment, Borrower will grant to Bank a lien and security interest in the Collateral.

  
 2. Reporting Requirements And
Operating Covenants. 
  

			
	Financial Reporting	  	Annual Reports. Beginning with the fiscal year ending December 31, 2004, as soon as available, but in any event within 120 days after the end of Borrower’s fiscal year, Borrower
shall deliver to Bank audited consolidated financial statements of Borrower (including a balance sheet, an income statement and a statement of retained earnings and changes in financial position, each with the related notes and changes in the
financial position for such year and setting forth in comparative form the figures for the prior year) prepared in accordance with GAAP, consistently applied, together

  
 

 

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	 	 	with an opinion on such financial statements that is unqualified or qualified in a manner acceptable to Bank from an independent certified public accounting firm reasonably acceptable to
Bank.
		
	 	 	Monthly Reports. As soon as available, but in any event within 25 business days after the end of each calendar month, Borrower shall deliver to Bank an unaudited consolidated balance
sheet and a statement of income and retained earnings prepared in accordance with GAAP, consistently applied, covering Borrower’s consolidated operations during such period, in a form acceptable to Bank and certified by Borrower’s chief
financial officer or other Person acceptable to Bank.
		
	 	 	Compliance Certifications. Not more than 25 business days after the end of each quarter, beginning the first quarter next following the Closing Date, or concurrently with the delivery of
the financial statements required to be delivered by Borrower to Bank, a certificate of the Person preparing such statements, whether an independent certified accountant, an officer of Borrower or some other Person acceptable to Bank, stating that,
in making the examination necessary therefor, no knowledge was obtained of any default condition or event of default.
		
	 	 	Borrowing Base Report. Within 25 days after the last day of each fiscal month, as long as amounts are outstanding on the Revolving Facility, Borrower shall deliver to Bank a Borrowing
Base Certificate dated and signed by the Borrower’s chief financial officer or other officer approved by Bank, such Borrowing Base Certificate to be in a form acceptable to Bank and which provides information requested by Bank that is current
as of the prior month’s end.
		
	 	 	Aged Accounts and Backlog Reports. Within 25 business days after the last date of each month, Borrower shall deliver to Bank an aged listing of accounts receivable, Unbilled Accounts
Receivable, and backlog reports (of a form to be agreed upon) for so long as any amounts remain outstanding under the Loan.
		
	 	 	Budget. Within 30 days prior to the last day of each fiscal year, Borrower to submit an annual financial plan including a consolidated Balance Sheet, Income Statement, and Cash Flow
Statement prepared in accordance with GAAP, along with all supporting assumptions.
		
	 	 	Additional Information. Borrower shall deliver to Bank such budgets, sales projections, operating plans or other financial information generally prepared by Borrower in the ordinary
course of business as Bank may reasonably request from time to time.
		
	 	 	SEC Reports. Borrower shall comply on a timely basis with all requirements imposed by the Securities and Exchange Commission (“SEC”) in reporting its activities and operations
and shall provide Bank with copies of all such reports when filed with the SEC.

  
 

 

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	Financial Covenants	 	Financial covenants will be measured quarterly and will include (but will not be limited to) the following:
		
	 	 	1. Maximum Funded Senior Debt to EBITDA Ratio. A ratio of (i) Bank’s debt outstanding to (ii) EBITDA of not more than 2.50:1.00 measured quarterly on a rolling 12 months,
beginning June 30, 2005.
		
	 	 	2. Minimum Annual EBITDA. Total year-end EBITDA value of not less than $2,000,000 as measured at the end of the fiscal year in 2005 (December 31, 2005).
		
	 	 	3. Minimum Tangible Net Worth at Closing. Before the closing of the revolving line of credit, Borrower must show a minimum tangible net worth of no less than $600,000, including as
part of such net worth any and all subordinated debt to shareholders specifically subordinate to Bank.
		
	 	 	4. Minimum Tangible Net Worth at Fiscal Year End 2005. By December 31, 2005, Borrower must show a minimum tangible net worth of no less than $1,500,000, including any and all
subordinated debt.
		
	 	 	“EBITDA” defined as Earnings Before Interest, Taxes, Depreciation, and Amortization. Ratio to be calculated on a trailing quarterly basis and annualized.
		
	 	 	“Tangible Net Worth” shall mean the depreciated book value of the total assets of the Borrower, after subtracting the aggregate amount of intangible assets, less all liabilities of
the Borrower, excluding shareholder loans specifically subordinate to Bank, all determined according to GAAP.
		
	Affirmative and Negative Covenants	 	Without prior written consent of the Bank to amend or waive, requirements and limitations on Borrower will include (but not be limited to), the following:
		
	 	 	 A.     Payment/Performance. Subject to any applicable notice or cure provisions expressly set forth
in the Loan Agreement or any of the other Loan Documents, Borrower shall pay when due all amounts owing to Bank under the Loan Agreement and the other Loan Documents and promptly perform all other obligations of Borrower thereunder and
hereunder.

		
	 	 	 B.     Use of Loan Funds. Borrower shall use all Revolving Facility loan proceeds disbursed to
Borrower only for working capital purposes including payment of shareholder loans specifically subordinate to Bank, subject to compliance with all covenants in the Loan Agreement.

		
	 	 	 C.     Taxes. Borrower shall make, and shall cause each Subsidiary to make, due and timely payment
of, or deposit or withholding of, all federal, state and material local taxes, assessments or contributions required of it by all Requirements of Law, and will execute and deliver to Bank, on demand, appropriate certificates attesting to the
payment, deposit or withholding thereof; provided that Borrower or a Subsidiary need not

  
 

 

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	 	 	 make any payment if the amount or validity of such payment is contested in good faith by appropriate proceedings and is reserved against (to the extent required by
GAAP) by Borrower.

		
	 	 	 D.     Maintenance of Property. Borrower shall keep and maintain the Collateral in good working order
and condition and make all needed and proper repairs, replacements, additions, or improvements thereto as are reasonably necessary, reasonable wear and tear excepted.

		
	 	 	 E.     Maintain Security Interest. Borrower shall maintain, protect and preserve the security interest
of Bank in the Collateral and the lien position of Bank in the Collateral, including, without limitation, (i) the filing of “claims” under insurance policies and (ii) protecting, defending and maintain the validity and enforceability of
the Trademarks, Patents and Copyrights.

		
	 	 	 F.     Dispositions. Borrower shall not convey, sell, lease, transfer and otherwise dispose of and
Borrower shall not permit any of its Subsidiaries to convey, sell, lease, transfer and otherwise dispose of (with respect to both Borrower and Borrower’s Subsidiaries, by operation of law or otherwise) any part of and any interest in their
respective businesses and properties, including the Collateral, other than Permitted Transfers.

		
	 	 	 G.     Change in Business; Change in Management or Executive Office. Borrower shall not engage in any
material line of business, or permit any of its Subsidiaries to engage in any material line of business, other than as reasonably related or incidental to the businesses currently engaged in by Borrower (giving effect to the Datapath
recapitalization transaction). Borrower shall not have a Change in Management and will not, without thirty (30) days’ prior written notification to Bank, relocate its chief executive office, change its state of organization or change any other
matter that will or could result in Bank’s security interests in the Collateral becoming unperfected.

		
	 	 	 H.     Mergers or Acquisitions. Borrower shall not undertake any merger or consolidation, or permit any
of its Subsidiaries to undertake any merger or consolidation, with or into any business organization, other than Borrower or any wholly owned subsidiary of Borrower, unless Borrower is the surviving entity immediately following such transaction and
is in compliance with all of Borrower’s covenants under the Loan Agreement immediately before and after the closing of such transaction, or acquire, or permit any of its Subsidiaries to acquire, all or substantially all of the capital stock or
property of another person without Bank’s prior written consent.

		
	 	 	 I.      Indebtedness. Borrower shall not create, incur, assume or be or remain liable with respect
to any Indebtedness, or permit any Subsidiary so to do, other than Permitted Indebtedness.

		
	 	 	 J.      Encumbrances. Borrower shall not create, incur, assume or allow any

  
 

 

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	 	 	 Lien with respect to the Collateral or the Intellectual Property or any of its property, or assign or otherwise convey any right to receive income, including the
sale of any Accounts, or permit any of its Subsidiaries so to do, except for Permitted Liens, or covenant to any other person (other than Bank) that Borrower in the future will refrain from creating, incurring, assuming or allowing any Lien with
respect to any of Borrower’s property.

		
	 	 	 K.     Distributions. Borrower shall not pay any dividends or make any other distribution or payment
(other than dividends or distributions of capital stock) on account of or in redemption, retirement or purchase of any capital stock, including preferred stock, or permit any of its Subsidiaries to do so which would result in the violation of any of
Borrower’s covenants under the Loan Agreement.

		
	 	 	 L.     Investments. Borrower shall not directly or indirectly acquire or own, or make any Investment in
or to any person, or permit any of its Subsidiaries so to do, other than Permitted Investments which would result in the violation of any of Borrower’s covenants under the Loan Agreement.

		
	 	 	 M.    Loans. Borrower shall not make or commit to make any advance, loan, extension of credit or capital
contribution to, or purchase of any stock, bonds, notes, debentures or other securities of any person, other than Permitted Investments or intercompany loans.

		
	 	 	 N.     Loans to Officers. Borrower shall not make any loan or advance directly or indirectly for the
benefit of any past, present, or future stockholder, director, officer, executive, manager, member, partner or employee of Borrower, other than employee relocation loans, employee bridge loans and other incidental loans to employees, all in the
ordinary course of business.

		
	 	 	 O.     Compensation. Other than as provided in the four Employment Agreements between Borrower and each
of Nancy Hedrick, Tom Clinton, Bill Buchanan, and Beverly Hawkins, which agreements have been approved by Bank, Borrower shall not pay any compensation to any past, present and future shareholder, director, officer, executive, member, manager,
partner and employee, whether through salary, bonus or otherwise, in excess of industry standards and norms.

		
	 	 	 P.     Subordinated Debt. Except for payment of shareholder loans specifically subordinate to Bank and
subject to compliance with all of Borrower’s covenants under the Loan Agreement, Borrower shall not make any payment in respect of any Subordinated Debt, or permit any of its Subsidiaries to make any such payment except in compliance with the
terms of such Subordinated Debt, or amend any provision contained in any documentation relating to the Subordinated Debt without Bank’s prior written consent.

		
	 	 	 Q.     Inventory and Equipment. On or after the Closing Date, Borrower

  
 

 

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	 	 	 shall not store its Inventory and shall not store its Equipment with a bailee, warehouseman or similar person unless Bank has received a pledge of the warehouse
receipt covering such Inventory and Equipment or an acknowledgement of Bank’s first priority security interest in such Inventory or Equipment . Except for Inventory sold in the ordinary course of business and except for such other locations as
Bank may approve in writing (such approval not to be unreasonably withheld), Borrower shall not move or relocate its Inventory and shall not move or relocate its Equipment from the location or locations identified in the Certificate of Borrower and
such other locations of which Borrower gives Bank prior written notice and as to which Borrower files a financing statement to the extent needed to perfect Bank’s security interest (other than to the extent such Inventory or Equipment is being
moved from one such location to another such location).

		
	 	 	 R.     Licenses. Borrower shall not become bound by any license, agreement or other record which would
have a Material Adverse Effect.

		
	 	 	 S.      Negative Pledge Agreements. Borrower shall not permit the inclusion in any contract to
which it becomes a party of any provisions that could restrict or invalidate the creation of a security interest in favor of Bank in Borrower’s rights and interests in any Collateral.

		
	 	 	Third Party Agreements. Borrower shall not enter into any agreement containing any provision that would be violated or breached by the performance of the obligations of Borrower under
this Agreement.

  
 3. Loan Documentation And Other
Closing Requirements. 
  

			
	Loan Documentation	 	The Loan and Bank’s liens and security interests in the Collateral shall be evidenced by this commitment letter, and also shall be evidenced and supported by such additional loan
documents (“Loan Documents”) as Bank and its counsel deem necessary, including promissory notes from Borrower to Bank in the face amount of the Loans. The Loan Documents shall be in form and contain substantive content satisfactory to
Bank, its counsel and Borrower, containing terms listed herein and standard representations, warranties, and events of default. All Loan Documents must be executed and delivered to Bank, and if required by Bank’s counsel, filed or recorded, at
or before closing.
		
	Authority Documents	 	Borrower shall furnish to Bank, no later than 5 days before closing, a certified copy of its organizational documents, together with resolutions approving the Loan, and a certified
certificate of authority from Borrower’s state of organization, all of which shall be current, in effect as of closing and otherwise satisfactory to Bank and its counsel. Borrower shall also provide Bank with such resolutions, consents and
approvals from its credit providers as Bank may reasonably request.
		
	Counsel’s Opinion	 	A written opinion shall be furnished at, and effective as of, closing by Borrower’s independent counsel and the customary opinion shall be in form and substance satisfactory to Bank and
its counsel.

  
 

 

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	Close of Acquisition	 	Borrower must close the recapitalization of CSI, Inc. concurrent with or prior to the Closing Date, including a minimum subordinated debt investment (from a shareholders) of
$1.0MM.
		
	Financial Audit	 	Borrower to provide a signed, final copy of Borrower’s 2004 annual financial audit in a form consistent with that described in “Financial Reporting” above, which shall not
reveal any adverse change from the management-prepared statements as of 12/31/2004 that Bank is relying upon in making this Loan. At Bank’s request, annual collateral audits may be required to be performed, at Borrower’s
expense.
		
	Lien/Litigation Search	 	Borrower shall provide to Bank at closing certified lien and litigation searches, dated within 5 days of closing, showing no superior or inferior liens on the Collateral and no litigation
affecting Borrower, or the Collateral.
		
	Insurance	 	Borrower shall provide to Bank at closing evidence satisfactory to Bank that it maintains liability and hazard insurance, insuring against loss or damage by fire, theft, explosion, sprinklers
and other customary hazards and risks. The insurance shall be in amounts typical to other companies in the Borrower’s industry, with companies and on terms acceptable to Bank; it shall show Bank and covers Bank as an additional insured; and it
shall be continuously maintained in force by Borrower until the Loan is repaid in full.
		
	Taxes	 	Borrower shall furnish to Bank no later than 5 days before closing evidence satisfactory to Bank that all of Borrower’s income taxes and other material governmental taxes, fees, charges
and assessments have been paid through the most recent year.
		
	Banking Relationship	 	The Borrower agrees to maintain its principal depository, operating accounts, and lockbox accounts with Bank. Borrower agrees to transfer such accounts held outside of the Bank to RBC Centura
by March 30, 2005.
		
	Fees and Expenses	 	Borrower shall pay Bank a commitment fee of one half of one percent (0.5%) of the Loan Amount, payable concurrent with or prior to Closing (Fifteen Thousand Dollars ($15,000) which will be
due and payable as a Work Fee upon signing this Commitment Letter and will be applied to the Commitment Fee. The Commitment fee shall be deemed earned upon Borrower’s execution and return of this commitment letter, and amounts paid shall not be
refundable to Borrower. Borrower also shall pay all costs and expenses incident to the Loan, including recording fees, intangible taxes, documentary tax fees or stamps, excise taxes and Bank’s and Borrower’s counsel fees. The foregoing
shall be paid by Borrower even if the Loan does not close.
		
	 	 	Borrower shall pay monthly, in arrears, an unused line fee of 0.25% per annum of the unused portion of the Revolving Facility during prior month.
		
	Additional Requirements	 	Borrower shall satisfy all such other terms and conditions as Bank and its counsel deem necessary to ensure the proper documentation of the Loan,

  
 

 

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	 	 	the perfection of the liens and security interests in the Collateral and compliance with all laws and regulations applicable to Bank or Borrower relative to the Loan.

  
 4. Miscellaneous. 

 

			
	Conditions Precedent	 	The obligations of Bank to close are subject to the satisfaction of all of the terms and conditions of this commitment letter and the Loan Documents in a manner satisfactory to Bank and its
counsel.
		
	 	 	Borrower to submit Monthly Reporting for February, 2005 and must be in full compliance with the Financial Covenants.
		
	Borrower Certification	 	The acceptance of this commitment shall constitute a certification by the person executing the acceptance that all material matters relating to Borrower have been disclosed to Bank and that
there has been no material, adverse change in Borrower, to include its financial condition and operating condition, as compared to the financial information provided to Bank during the due diligence process.
		
	No Change	 	The obligation of Bank to make the Loan is conditioned upon there being no material adverse changes in the financial or operating condition of Borrower.
		
	Non-Assignability	 	This commitment is for the sole benefit of Borrower and no other Person shall have any rights under this commitment against Bank, including any bankruptcy trustee or debtor in possession.
This commitment may not be assigned without the prior written consent of Bank.
		
	Confidentiality	 	The information contained in this commitment is confidential and proprietary information for review only by Borrower. Borrower shall treat all information herein as
confidential.
		
	Applicable Law	 	This commitment and the Loan Documents shall be governed by the laws of the State of South Carolina without giving effect to the conflict provisions thereof.
		
	Acceptance	 	This commitment shall expire unless it has been accepted and returned to Bank on or before February 25, 2005.
		
	Closing Date	 	Bank shall have no obligation to make the Loan if it is not closed by March 15, 2005.

  
 

 

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 This commitment letter supercedes and replaces any prior discussions, term sheets or commitment letters relating to the Loan. This commitment, when accepted, may not be
altered or amended unless agreed to in writing by Bank, or otherwise modified by the Loan Documents. This commitment letter shall survive closing of the Loan. This commitment letter and the Loan Documents shall be applied and construed in harmony
with each other to the end that Bank is ensured repayment of the Loan in accordance with their respective terms. To the extent of an irreconcilable conflict between this commitment letter and the Loan Documents, the terms of the Loan Documents shall
prevail. 
  
 Please indicate your acceptance of this commitment and the terms and
conditions contained herein by executing the acceptance below and returning the executed letter to Bank. RBC Centura Bank would like to express our appreciation for the opportunity you have given us to be of service. We look forward to working with
you in connection with the Loan. 
  
 Sincerely, 
  

			
	RBC CENTURA BANK
		
	By:	 	 /s/ Charlie Arndt

	 	 	Charlie Arndt
	 	 	Market Executive – South Carolina Markets
	
	ACCEPTED AND AGREED TO:
	
	Borrower:
	
	Computer Software Innovations, Inc.
		
	By:	 	 Nancy K. Hedrick

	 	 	Nancy K. Hedrick, President and CEO
	
	Date: February 25, 2005

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