Document:

EX 10.17 Form of Non-Qualified Stock Option Certificate (Director Award)

Certificate No. NQSO ‐ _____
    (Non-Employee Director Award)

ARROW FINANCIAL CORPORATION

2013 Long-Term Incentive Plan
NON-QUALIFIED STOCK OPTION CERTIFICATE
(Director Award)
____________________________________________________________________________________ (Complete all items before issuance of Certificate)
Date of Option Grant:  ____________    Number of Shares to Which Option Relates:  ____________

Option Price Per Share: $        

The Option is     / is not ___ Authorized for Payment in Shares in Lieu of Cash.
(Shares surrendered in payment must meet all conditions for use of such shares as payment, as set by the Administrator.)

The Option evidenced by this Certificate is non-transferable except upon the death of Optionee.

Record of Partial Option Exercise:

	
			
	Date of Exercise:
	No. of Shares Exercised:
	No. of Shares Remaining as to Which Option Relates:

	 
	 
	 

	 
	 
	 

    

This certifies that              (“Optionee”), who is a valued and trusted Director of Arrow Financial Corporation, a New York corporation (the “Company”), has been granted an option by the Company to purchase one or more shares of the common stock, par value $1.00 per share, of the Company ("Common Stock"), subject to the terms and conditions set forth in this Certificate and in accordance with the Company's 2013 Long-Term Incentive Plan (the "Plan"), with the expectation that the provision of this award to the Optionee will encourage the Optionee to acquire and maintain an interest in the Common Stock and have an added incentive to work for the success of the Company and its subsidiaries.  
The terms and conditions of said option are as follows:
1.    Grant of Option.  As of the Date of Option Grant identified above, the Company hereby grants to Optionee, subject to the conditions set forth in this Certificate and in the Plan, the right, privilege, and option (the "Option") to purchase that number of shares of Common Stock identified above opposite the heading “Number of Shares to Which Option Relates” (the "Shares"), at the per share price (the “Exercise Price”) specified above opposite the heading “Option Price Per Share,” which Exercise Price is not less than the Fair Market Value per share of the Common Stock on the Date of Option Grant.  For purposes of this Option Certificate, “Fair Market Value” per share of Common Stock as of any date shall be as determined in the manner specified from time to time by the Administrator 

in accordance with the Plan.  The “Administrator” shall be either the Board of Directors of the Company (the “Board”) or the Compensation Committee of the Board as determined in accordance with the Plan. 
2.    Exercisability of Option; Vesting.  
(a)    Subject to the provisions, exceptions and limitations set forth elsewhere in this Certificate, including Sections 3, 5 and 7, the Option may be exercised only to the extent vested and only during the period (the "Option Period") commencing on the Date of Option Grant identified above and ending on the tenth (10th) anniversary of the Date of Option Grant.  Subject to Section 2(b), the Option will become exercisable (i.e., will vest) during the Option Period as follows: on the first anniversary of the Date of Option Grant, the Option will become exercisable with respect to ______ Shares; on the second anniversary of the Date of Option Grant,  the Option will become exercisable with respect to an additional ______ Shares; on the third anniversary of the Date of Option Grant, the Option will become exercisable with respect to an additional ______ Shares; and on the fourth anniversary of the Date of Option Grant, the Option will become exercisable with respect to all remaining Shares.  
(b)    Notwithstanding the foregoing, (i) the exercisability (i.e., vesting) of the Option shall be accelerated, and the Option, if not fully exercisable, shall become fully exercisable (i.e., shall vest), in the event of the death or Disability of Optionee or the occurrence of a Change in Control of the Company (as defined in Section 7) at any time after the Date of Option Grant and prior to termination of the Option, and (ii) the exercisability (i.e., vesting) of the Option may otherwise be accelerated, and the Option, if not fully exercisable, shall become fully exercisable, upon the occurrence of such other event or events or upon such other circumstance or circumstances arising after the Date of Option Grant and prior to termination of the Option as the Administrator may determine from time to time as justifying such acceleration.
3.    Conditions to Exercise of Option.  The Option may not be exercised unless, as of the date of exercise of the Option (the "Date of Exercise"),
(a)    the Option is then exercisable with respect to the number of Shares as to which exercise is sought, in accordance with Section 2, and the Option shall not have terminated pursuant to Section 5;
(b)    the underlying Shares as to which the Option is then sought to be exercised are the subject of an effective registration statement under the Securities Act of 1933, as amended, and are registered under applicable state securities laws, or may then be issued to Optionee exempt from such federal or state registration;
(c)    full payment of the Exercise Price of the Shares as to which the Option is being exercised has been received by the Company in accordance with Section 4(c); and
(d)    all other actions required to be taken by the Company and Optionee prior to such exercise of the Option in accordance with the Plan and this Certificate shall have been taken.
4.    Method of Exercise of Option.
(a)    If Optionee or any other person authorized to exercise the Option (an "Exercising Person") elects to exercise the Option, in whole or in part, such Exercising Person shall deliver to the Secretary of the Company or his or her designated representative (the “Secretary”) at the Company's principal place of business a written notice of election to exercise the Option, identifying that number of whole Shares as to which exercise is then being sought, which number may not exceed the number of Shares as to which the Option may then be exercised (i.e., vested shares) in light of any and all prior partial exercises of the Option and any applicable restrictions on the right to exercise the Option at such time in accordance with this Certificate or the Plan.  If the Exercising Person is not the Optionee, the notice also shall identify the nature of the Exercising Person's authority to exercise the Option, which authority must be acceptable to the Administrator. In all cases, such written notice of election must be accompanied by surrender of the original of this Certificate.
(b)    The Date of Exercise with respect to any such election shall be as soon as practicable following receipt by the Secretary of the notice described in Section 4(a) above and the satisfaction of all required conditions to exercise including, without limitation, receipt of payment as described in Section 4(c) below.  The Exercising Person may revoke the election to exercise at any time prior to the Date of Exercise by subsequent notice to the Secretary, if such notice of revocation is timely received as determined by the Company.

(c)    Full payment of the Exercise Price of the Shares with respect to which the Option is being exercised must be delivered to the Company to the attention of the Secretary prior to the Date of Exercise. Payment shall be in cash or by bank check or if authorized by the Administrator upon grant of the Option (evidenced by an appropriate notation in the forepart of this Certificate) or thereafter, may be made at the discretion of the Exercising Person in whole or in part in shares of Common Stock owned by Optionee subject to such conditions upon such use of shares of Common Stock as may be set by the Administrator from time to time (a "Stock‐for‐Stock Exercise").  Any shares surrendered in payment of the Exercise Price in a Stock‐for‐Stock Exercise ("Payment Shares") shall be valued at Fair Market Value as of the Date of Exercise.  In a Stock‐for‐Stock Exercise, in lieu of physically surrendering to the Company a certain number of Payment Shares, the Exercising Person may elect to submit to the Company to the attention of the Secretary an affidavit attesting ownership by Optionee of such number of shares for the appropriate period of time and request that such shares, although not physically surrendered, be deemed to have been surrendered by the Exercising Person to the Company in payment of the Exercise Price (any such payment, a "Deemed Payment").  
(d)    Upon receipt of payment of the Exercise Price, including an affidavit of ownership in the case of a Deemed Payment, the Company shall issue and deliver to the Exercising Person, as of the Date of Exercise, evidenced by book entry or electronic delivery or by delivery of a duly executed stock certificate, the number of Shares as to which the Option has thus been exercised (less any Tax-Withheld Shares, as described and defined in Section 4(e) below), provided that, if the Exercising Person has elected in connection with a Stock‐for‐Stock Exercise to make a Deemed Payment without physically surrendering to the Company some number of Payment Shares owned by Optionee, the Company will deduct from the number of Shares to be issued to the Exercising Person on the Date of Exercise the number of shares deemed surrendered but not physically surrendered by the Exercising Person, and issue to the Exercising Person only the remaining number of Shares (less any Tax-Withheld Shares).  If, on the Date of Exercise, any Shares remain as to which the Option is not being exercised, the Company, simultaneously with issuance of the appropriate number of Shares, shall return to the Exercising Person the original of this Certificate, with appropriate notation in the forepart of this Certificate as to the partial exercise of the Option.  
(e)    To the extent that exercise of the Option obligates the Company or any of its subsidiaries to pay any taxes or other amounts to any taxing or other governmental authority on behalf of or with respect to Optionee, either (i) the Company will pay such taxes and/or other amounts then due (the “Tax Amount”) and deduct from the number of Shares otherwise then deliverable by it to the Exercising Person a number of Shares having a Fair Market Value on the Date of Exercise, equal to the Tax Amount (“Tax-Withheld Shares”), in which event Optionee shall have no further rights with respect to such Tax-Withheld Shares, or (ii) the Exercising Person delivers funds to the Company to the attention of the Secretary in payment of the Tax Amount, the Company will apply such funds to its payment of Taxes or other amounts then due.
5.    Termination of Option.  The Option, to the extent not previously exercised, shall terminate and cease to be exercisable upon, or within a designated period of time after,  the first to occur of the following “termination of Service events” as set forth below, to be exercisable not later than the expiration of the Option Period (i.e., the tenth (10th) anniversary of the Date of Option Grant); and if no ”termination  of Service event” occurs before the expiration of the Option Period, the Option will terminate and cease to be exercisable as of the expiration of the Option Period.
(a)    if such termination of Service is for Cause (as defined below), the date on which Optionee’s Service terminates; 
(b)    if such termination of Service is other than for Cause or by reason of Optionee’s death, Disability or Retirement (as defined below), the expiration of three (3) months following the date on which Optionee’s Service terminates; provided, however, that, if the Optionee dies within such 3‐month period, then the termination event shall be the expiration of three (3) months after the date of death of Optionee;
(c)    if such termination of Service is by reason of Optionee’s Disability or Retirement,  the expiration of twelve (12) months following the date on which Optionee’s Service terminates; provided, however that, if the Optionee dies within such 12‐month period, then the termination event shall be the expiration of the Option Period (i.e., the tenth (10th) anniversary of the Date of Option Grant); or
(d)    if such termination of Service is by reason of Optionee’s death, the expiration of the Option Period (i.e., the tenth (10th) anniversary of the Date of Option Grant.
Notwithstanding the foregoing, the Administrator may determine from time to time prior to the termination or expiration of the Option to extend the exercisability of the Option, if a “termination of Service event” as described in 

subsections (b) or (c) above should occur prior to the expiration of the Option Period, for an additional period of time beyond the time period specified in subsections (b) or (c) above following the events identified in such (but in no event beyond the expiration of the Option Period) if in its judgment such extension of exercisability is in the best interests of the Company. 
In the event of any termination of Optionee’s Service, for any reason, the Option, to the extent it continues to be exercisable for a period of time thereafter, as provided above, shall continue to be exercisable during such period only with respect to that number of Shares as to which the Option was exercisable as of the time of termination, including those Shares, if any, subject to accelerated vesting as of such termination, as provided in Section 2(b) or elsewhere in this Certificate. 
The Optionee’s “Service” shall mean (i) service as a Director of the Company or any subsidiary of the Company but excluding service as an honorary, advisory of emeritus director or any other individual whose title includes the word “director” but who does not possess all powers possessed by a director as a matter of law, or (ii) the rendering of services by Optionee for the Company and/or its subsidiaries under a Qualifying Services Contract, as defined below.  
A “Qualifying Services Contract” shall mean a written agreement between Optionee and the Company under which Optionee shall continue to render services for the Company and/or its subsidiaries for a specified period of time following termination of Optionee’s Service (or following termination of a prior Qualifying Services Agreement), which agreement satisfies each of the following conditions: (i) the services to be rendered thereunder by Optionee shall qualify as “substantial,” as that term is defined and determined by the Administrator from time to time with such definition to be set forth or referenced in such agreement; (ii) Optionee in rendering such services shall be acting as or for an independent contractor and not as an employee of the Company and/or its subsidiaries; and (iii) there shall be no break in service between Optionee’s Service (or serving under a prior Qualifying Services Contract) and serving under such agreement.
“Retirement” shall mean the Optionee’s termination of continuous Service as a Director of the Company or any subsidiary or under a Qualifying Services Contract or continuous succession of Qualifying Services Contracts.
If Optionee is serving under a Qualifying Services Contract, then termination for “cause” shall include (i) if defined therein, termination of the Service of Optionee for "cause" as defined in such Qualifying Services Contract and (ii) if not defined therein, shall include termination of Service thereunder by a two‐thirds vote of the entire Board for one or more of the following "Causes," as evidenced in a board resolution: (A) any willful misconduct by Optionee that is materially injurious to the Company or a subsidiary of the Company, monetarily or otherwise; (B) any willful failure by Optionee to follow the reasonable directions of the Board or the board of directors of a subsidiary of the Company or a high‐ranking executive officer of the Company or a subsidiary of the Company; or (C) intentionally providing false or misleading information to, or otherwise misleading the applicable board or a committee thereof.
6.    Adjustments. If, after the Date of Option Grant, all issued and outstanding shares of Common Stock shall be increased or decreased in number, pursuant to stock dividends, stock splits, consolidations of shares, recapitalizations, mergers, consolidations, reorganizations, combinations or exchange of shares or similar transactions, the number of Shares to which the Option theretofore related and the option price per share theretofore applicable to such Option shall be appropriately adjusted by the Company to provide the same overall economic value to the Optionee immediately after the occurrence of such event as existed immediately prior to the occurrence of such event (subject to applicable rules and regulations); provided, however, that if the Company shall issue additional shares of Common Stock for a consideration, no such adjustment shall be made.
7.    Change in Control.  In the event of a Change in Control of the Company (as defined below), the Option, if not then fully exercisable shall become fully exercisable (i.e., shall vest) as of the date of such Change in Control, and shall remain fully exercisable thereafter until termination in accordance with Section 5 hereof. For this purpose, a "Change in Control of the Company” shall be deemed to have occurred upon the first to occur of any of the following:
(a)    The acquisition by one person, or more than one person acting as a group, of ownership of stock of the Company that, together with stock held by such person or group, constitutes more than 50% of the total fair market value or total voting power of the stock of the Company;
(b)    The acquisition by one person, or more than one person acting as a group, of ownership of stock of the Company, that together with stock of the Company acquired during the twelve-month period ending on the date 

of the most recent acquisition by such person or group, constitutes 30% or more of the total voting power of the stock of the Company;
(c)    A majority of the Board is replaced during any twelve-month period by Directors whose appointment or election is not endorsed by a majority of the Board before the date of the appointment or election;
(d)    One person, or more than one person acting as a group, acquires (or has acquired during the twelve-month period ending on the date of the most recent acquisition by such person or group) assets from the Company that have a total gross fair market value (determined without regard to any liabilities associated with such assets) equal to or more than 40% of the total gross fair market value of all of the assets of the Company immediately before such acquisition or acquisitions.
Persons will not be considered to be acting as a group solely because they purchase or own stock of the same corporation at the same time, or as a result of the same public offering.  However, persons will be considered to be acting as a group if they are owners of a corporation that enters into a merger, consolidation, purchase or acquisition of stock, or similar business transaction with the Company. 
This definition of Change in Control of the Company shall be interpreted in accordance with, and in a manner that will bring the definition into compliance with, the regulations under Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”).
8.    Non-transferability; Rights Prior to Exercise.  The Option shall be non‐transferable except in the event of Optionee's death (in which such case, Section 9 shall apply), and during Optionee's lifetime shall be exercisable only by Optionee.  Neither Optionee nor any permitted transferee of any interest in the Option shall have any rights as a shareholder with respect to any Shares to which the Option relates until the Option shall have been exercised with respect to such Shares and such Shares shall have been issued and delivered to the Exercising Person.
9.    Designation of Beneficiary.  Optionee may designate a person or persons to receive the Option in the event of the death of Optionee.  Any such designation must be made upon properly completed forms supplied by and returned to the Company and, once made, may be revoked only in writing.  If Optionee fails to designate a beneficiary, the estate of Optionee or any heir or successor who by reason of Optionee’s death acquired the rights to exercise the Option will be deemed to be the beneficiary of Optionee with respect to the Option.  Any such person with rights under the Option shall possess all rights of Optionee under this Certificate with respect to such Option and shall remain subject to all the terms and conditions applicable thereto, including without limitation, the provision of this Certificate regarding payment of the Exercise Price and termination of the Option.
10.    Non-Qualified Stock Option.  The Option is not intended to be, and will not be treated as, an "incentive stock option" within the meaning of Section 422 of the Code.
11.    Definitions.  Unless otherwise indicated herein, all capitalized terms used herein shall have the same meaning given such terms in the Plan as in effect on the Date of Grant.

[Signature page follows]
IN WITNESS WHEREOF, the undersigned, being duly authorized, has executed this Certificate on behalf of the Company.
ARROW FINANCIAL CORPORATION

By:                        
Name:                        
Title:                        

ATTEST:

                                
____________________________, Secretary        DateEX 10.18 Amendment to SERP

ARROW FINANCIAL CORPORATION
SELECT EXECUTIVE RETIREMENT PLAN 
Amendment dated October 18, 2013

As Amended and Restated Effective as of January 1, 2005
For Benefits Accrued or Vested After December 31, 2004, 
 and as the same may be further amended

Pursuant to Article V of the Arrow Financial Corporation Select Executive Retirement Plan as amended and restated effective January 1, 2005 for benefits accrued or vested after December 31, 2004, as the same may be further amended (the “Plan”),  the Plan is hereby amended effective as of the date hereof:

1.    Article II is hereby amended in its entirety to provide as follows:

Eligibility

This Plan shall provide Retirement Benefits solely to those employees or former employees as are determined by the Administrator to be Participants hereunder in accordance with the Plan and the guidelines set forth on Schedules A and B hereto.  

The Participants eligible for Retirement Benefits under the Plan shall constitute a select group of management or highly compensated employees as set forth in ERISA. 

2.    Schedules A and B are hereby amended in their entirety and are replaced in full with the Schedules A and B attached to this Amendment.  

3.    General

		
	a.
	Any capitalized term or phrase used in this Amendment shall have the same meaning as the meaning ascribed to such term or phrase in the Engagement Agreement unless expressly otherwise defined in this Amendment.

		
	b.
	Except as amended by this Amendment, the terms of the Engagement Agreement remain in full force and effect.

[Signature Page Follows]

    

IN WITNESS WHEREOF, the undersigned has executed this Amendment to the Plan as of the day and year first above written.

ARROW FINANCIAL CORPORATION 

By:         /s/ Mark Bulmer
Name:         Mark Bulmer
Title:        Arrow Financial Corporation Corporate Secretary
            

SCHEDULE A
Arrow Financial Corporation
Select Executive Retirement Plan

The named Participants to receive Retirement Benefits under this Schedule A shall have been so designated in writing by the Board of Directors or, effective October 18, 2013, by the Administrator thereof, for such benefits (or increases) as are so designated in writing  by the Board or the Administrator, as applicable,  on or after January 1, 2005 and shall qualify as a select group of management or highly compensated employees as set forth in ERISA. 

In its discretion, the Employer can increase the supplement each year by a fixed percentage, determined solely by the Participating Employer.

SCHEDULE B
Arrow Financial Corporation
Select Executive Retirement Plan

		
	1.
	Participants eligible to receive Retirement Benefits under this Schedule B shall consist of those employees or former employees of the Employer or Participating Employer who qualify as a select group of management or highly compensated employees as set forth in ERISA, and whose benefits under the Defined Benefit Pension Plan and/or ESOP have been limited, as described below, by Section 415 and/or Section 401(a)(17) of the Code or are otherwise deemed by the Board or, effective October 18, 2013, the Administrator thereof, not to be sufficient and, effective January 1, 2008, to which the Board or the Administrator, as applicable, has granted eligibility in writing under the Plan. 

		
	2.
	Any employee or former employee shall become a Participant in the Plan if:

		
	a.
	His Compensation, as defined in the Defined Benefit Pension Plan or ESOP, for the current Plan Year or any prior Plan Year would exceed, if not for such limitation, the amount specified in Section 401(a)(17) of the Code ($210,000 in 2005); or

		
	b.
	His projected annual pension benefit under the Defined Benefit Pension Plan, if determined without regard to the benefit limits imposed by Section 415(b) of the Code or the compensation limit imposed by Section 401(a)(17) of the Code, would exceed the dollar amount specified in Section 415(b)(1) of the Code ($170,000 for 2005); or

		
	c.
	His annual additions, as defined in Section 415(c)(2) of the Code, under the ESOP, if determined without regard to the annual additions limits imposed by Section 415(c) of the Code or the compensation limit imposed by Section 401(a)(17) of the Code, for any Plan Year beginning after 1993, would exceed the dollar amount specified in Section 415(c)(1) of the Code ($42,000 for 2005);

		
	d.
	and, effective January 1, 2008, the Board or, effective October 18, 2013, the Administrator thereof, has granted eligibility in writing under the Plan to the employee. 

		
	3.
	Retirement Benefits payable under this Schedule B by reason of Code limitations shall be the Actuarial Equivalent, as defined in the Defined Benefit Pension Plan, of:

		
	a.
	The Vested annual Retirement Benefit to which the Participant or surviving spouse would be eligible to receive at the time of retirement or death as determined under the Defined Benefit Pension Plan formula based upon the Participant’s Compensation, as defined in the Defined Benefit Pension Plan but without regard to the limit imposed by Section 401(a)(17) of the Code, and without regard to any benefit limitation under Section 415(b) of the Code, adjusted for the form of payment selected by the Participant, less

		
	b.
	The annual pension benefit that is payable to the Participant or surviving spouse under the Defined Benefit Pension Plan, less

		
	c.
	The benefit accrued and vested under the Plan as of December 31, 2004 under the terms of the Plan as then in effect (“Grandfathered Benefit”).

		
	4.
	Additional ESOP Benefits shall be payable under this Schedule B to any Participant who, for any Plan Year beginning on or after January 1, 1994, receives an allocation under the ESOP which is less than the allocation he would have received if the limitations imposed by Section 415(c) and Section 401(a)(17) of the Code did not apply.

		
	a.
	As of the last day of each Plan Year, such a Participant shall receive an allocation under the Plan equal to the sum of  (i), (ii) and (iii) below:

		
	(i)
	Phantom Share Allocation - an allocation of phantom shares of Employer stock equal to the excess, if any, of (1) over (2), where:

		
	1.
	is the number of shares of Employer stock that would have been allocated to the Participant’s account under the ESOP with respect to such Plan Year if the limitations of Sections 415(c) and 401(a)(17) of the Code were disregarded, and

		
	2.
	is the number of shares of Employer stock actually allocated to the Participant’s account under the ESOP for such Plan Year.

The phantom shares allocated pursuant to this subparagraph (i) shall be held in the Participant’s Phantom Share Account.

		
	(ii)
	Cash Allocation - a dollar amount allocation equal to the excess, if any, of (1) over (2), where:

		
	1.
	is the dollar amount that would have been allocated in cash to the Participant’s account under the ESOP with respect to such Plan Year if the limitations of Sections 415(c) and 401(a)(17) of the Code were disregarded, and

		
	2.
	is the dollar amount actually allocated in cash to the Participant’s account under the ESOP for such Plan Year.

The dollar amounts allocated pursuant to this subparagraph (ii) shall be held in the Participant’s Cash Account.

		
	(iii)
	Dividend and Interest Allocation - Stock and cash dividends on Employer stock shall be credited to the Participant’s Phantom Share Account when paid, as if such phantom shares were actual shares, and interest on the value of the Participant’s Cash Account, determined as of the last day of the immediately preceding Plan Year, shall be allocated at a rate to be determined annually by the Plan Administrator and credited to the Participant’s Cash Account as of the last day of the Plan Year.

		
	b.
	Additional ESOP Benefits, if any, shall be distributed to the Participant, or his Beneficiary, in a single lump sum cash payment within 90 days after the date of termination of his employment in an amount equal to the Vested portion of:

		
	(i)
	The number of phantom shares of Employer stock credited to the Participant’s Phantom Share Account as of the last day of the Plan Year coinciding with or immediately preceding the date of distribution, multiplied by the fair market value of one share of the Employer’s stock as determined by the Plan Administrator in its discretion; plus

		
	(ii)
	The value of the Participant’s Cash Account as of the same date.

Notwithstanding, if the Participant is a Key Employee (as defined by the Code) of a Participating Employer, the payment of additional ESOP Benefits, if any, as described above shall be distributed no 

sooner than the date that is 6 months following the Participant’s separation from service with the Participating Employer.

A Participant’s Vested percentage shall be determined in accordance with the ESOP.

		
	c.
	This section shall apply to benefits that have accrued or become vested after December 31, 2004, including any increase attributable to Grandfathered Benefits’ investment experience after December 31, 2004.

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