Document:

Exhibit 10.1

 

COOPERATION AGREEMENT

 

This cooperation
agreement dated 18th day of December 2007 (the “Agreement”)
is made between:

 

(1)                                  Norsk Hydro Produksjon AS, Drammensveien
264, N-0240 Oslo, Norway, a corporation
organised under the laws of Norway with organisation number 930 187
240 (“Hydro”); and

 

(2)                                  Ascent Solar Technologies, Inc., 8120 Shaffer Parkway, Littleton, CO 80127-410,
USA, a corporation organised under the laws of the State of Delaware (“Ascent”).

 

Hydro and Ascent are
hereinafter collectively referred to as the “Parties”
and each a “Party”.

 

WHEREAS:

 

(A)                              Ascent
was established in 2005 to manufacture state of the art, thin-film
monolithically-integrated CIGS flexible photovoltaic modules (the “Products”).

 

(B)                                Hydro
and its affiliated companies (the “Hydro Group”) are
global aluminium, aluminium products and energy corporations.

 

(C)                                Hydro
currently owns 23% of all issued and outstanding shares in Ascent and has an
option to acquire up to 35% of all issued and outstanding shares in Ascent.

 

(D)                               Ascent
is expected to initiate a pilot phase of manufacturing the Products in Q1 2008
(the “Pilot Phase”). In the Pilot Phase,
Ascent is expected to operate a pilot line with a nameplate production capacity
of 1.5 MW per year to demonstrate the scalability of the process and produce
Products for initial marketing and testing. The Pilot Phase will run until a
full scale manufacturing plant is being built. Such Plant is expected to be
fully operational from Q2 2010 and is expected to have a production capacity of
25 MW per year (the “Commercial Phase”).

 

(E)                                 As a
large stakeholder of Ascent, Hydro is interested in assisting Ascent with the
development and promotion of the Products and bringing competitive Products to
the market, and to explore the application of the Products in Hydro Group’s
building integrated photovoltaic solutions (Hydro Group’s building integrated
photovoltaic products are referred to herein as the “Hydro
Products”).

 

NOW
THEREFORE THE PARTIES HAVE AGREED AS FOLLOWS:

 

1                                          COOPERATION

 

Products

 

 

 

Prior to and
during the Pilot Phase, Hydro Group and Ascent shall cooperate in developing
the Products and their application(s) to Hydro Products, through testing,
meetings and exchange of information during the Pilot Phase. Hydro Group shall
use its business network to market the Products and their applications in the
Hydro Products.

 

Ascent shall use
commercially reasonable efforts to supply Hydro Group with reasonable quantities
of the annual production of the Products in the Pilot Phase in order for Hydro
Group to develop and satisfy market demand for the Hydro Products. Hydro Group shall
be entitled to use the Products for testing, development and application in
Hydro Products. Hydro also shall have an option to purchase reasonable
quantities of Ascent’s annual production of the Products in the Commercial
Phase to develop and satisfy market demand for the Hydro Products. Ascent shall
deliver the Products to Hydro Group at market price and terms to be agreed by
the Parties. Notwithstanding any inference to the contrary, the Parties
anticipate that Ascent will have opportunities to sell Products to other companies,
partners and buyers; and, when assessing the reasonable quantity of Products to
be supplied to Hydro Group, the Parties shall take into consideration the
monetary and/or strategic value to Ascent of supplying Products to these third
parties. Nothing in this Agreement shall be construed as an exclusive supply
agreement by Ascent in favour of Hydro Group.

 

Commercial manufacturing
facility

 

Based on the
experience gained in management and execution of large projects in aluminium
and oil and energy, Hydro Group will use reasonable efforts to assist Ascent
with project management and  engineering resources
and methods to realise commercial manufacturing facilities in a cost and
time-efficient manner.

 

Hydro Group will
also use reasonable efforts to assist Ascent in optimising and streamlining Ascent’s
Product manufacturing lines by providing lean manufacturing expertise from
aluminium product operations, including assistance with project management,
implementation of health, safety and environment systems and quality assurance
and testing.

 

European market presence

 

Hydro Group shall
use its experience and presence in the European market to assist Ascent in
locating an area for a potential second plant and assist in setting up ancillary
arrangements for building such plant. Hydro Group shall further support Ascent
in its efforts to form strategic alliances with key players in the solar
industry in Europe.

 

2                                          NON-EXCLUSIVITY

 

The rights and
obligations of the Parties under this Agreement shall not be exclusive, which
means that Ascent may cooperate with other entities in the development of the
Products, and the Hydro Group may cooperate with other entities in the
development of solar applications for its building systems or other systems.

 

If and when
cooperating with third parties, the confidentiality obligations of the Parties
set out in clause 6 below shall be strictly adhered to.

 

 

 

3                                          NON-SOLICITATION

 

During the term
of this Agreement, the Parties agree not to actively solicit for engagement or employment
any employees of the other Party without the prior written consent of such
other Party, except that this shall not prevent any Party from employing or
engaging any such employee who responds unsolicited to a general recruiting
campaign, or who, without solicitation, makes contact with such Party seeking
employment or other engagement.

 

4                                          TERM AND TERMINATION

 

This Agreement shall
apply from its date until 31 December 2012.

 

Either party may
terminate this Agreement with immediate effect by giving written notice to the
other party if either (i) the other party commits a material breach of
this Agreement and such breach is not remedied within 60 days of receiving
written notice of the breach; or (ii) Hydro (and its affiliates) is no
longer a greater than 5% shareholder of Ascent.

 

Upon termination
of this Agreement, all rights and obligations of the parties will cease to
exist provided that (i) any accrued rights or remedies of the parties in
existence immediately prior to the termination of the Agreement shall continue
to exist; (ii) the parties obligations of confidence under clause 6 are
independent and survive termination of this Agreement; and (iii) any other
term by its nature intended to survive termination of this Agreement survives
termination of this Agreement.

 

5                                          NO REPRESENTATIONS, WARRANTIES OR INDEMNIFICATION

 

The Parties agree
and acknowledge that neither Party makes any express or implied representation
or warranty as to the adequacy, reasonableness, accuracy or completeness of the
assistance or information supplied during the cooperation governed by this
Agreement.

 

Notwithstanding
any provision in this Agreement to the contrary, no Party shall be liable under
this Agreement for any direct or indirect, special or general damages, or for
consequential loss or damage such as loss of profit, or for any punitive or
exemplary damages howsoever the same may arise.

 

6                                          CONFIDENTIALITY

 

Except as set
forth in this clause, each of the Parties agrees that any and all information
or objects being delivered or disclosed (whether orally or in writing) to the
other Party in connection herewith shall be deemed to be confidential and
proprietary, and shall use its reasonable best efforts to keep such information
or objects confidential as if it was its own confidential information, except
when (i) such disclosure is required by law, stock exchange rules,
regulations or by any order of any court or administrative body of competent
jurisdiction; (ii) such information is or has become public through no
fault of the receiving Party; or (iii) such information has been obtained
separately by the receiving Party from a third party that is not bound by any
obligation of confidentiality regarding such information; or (iv) such
disclosure is to financial rating agencies or to the receiving party’s lawyers,
accountants or investment bankers who are subject to obligations of
confidentiality to the receiving party; or (v) with the prior written
approval of the other Party, which approval shall not be unreasonably 

 

 

 

withheld. This
clause shall be in full force and effect for a period of three years after the termination
of this Agreement.

 

7                                          GOVERNING LAW AND JURISDICTION

 

This Agreement is
governed by, and shall be construed in accordance with, the laws of England.

 

Any dispute
arising out of or in connection with this Agreement, including any question
regarding its existence, validity or termination, shall be referred to and
finally resolved by arbitration under the LCIA Rules, which Rules are
deemed to be incorporated by reference into this clause. The number of
arbitrators shall be one. The seat, or legal place, of arbitration shall be
London. The language to be used in the arbitral proceedings shall be English.

 

8                                          MISCELLANEOUS

 

This Agreement
constitutes the entire agreement between the parties in connection with its
subject matter and supersedes all previous agreements or understandings between
the parties in connection with its subject matter.

 

Nothing in this
Agreement shall be deemed to neither constitute a partnership between the
Parties nor constitute either Party the agent of the other for any purpose.

 

* * *

 

Executed as an
agreement

 

	
  For and on
  behalf of:

  	
   

  	
  For and on
  behalf of:

  
	
   

  	
   

  	
   

  
	
  Norsk
  Hydro Produksjon AS

  	
   

  	
  Ascent
  Solar Technologies, Inc.

  
	
   

  	
   

  	
   

  
	
   /s/ Einar Glomnes

  	
   

  	
  /s/ Matthew
  Foster

  
	
   

  	
   

  	
   

  
	
  Einar Glomnes

  Head SolarExhibit 4(a)

 

Birmingham,
Alabama

(A Stock Insurance
Company)

 

INDIVIDUAL
FLEXIBLE PREMIUM DEFERRED FIXED AND VARIABLE ANNUITY CONTRACT

(Non-Participating)

 

Protective Life and
Annuity Insurance Company agrees to provide the benefits described in this Contract.
The Contract alone governs the rights of the parties.

 

THIS IS A
VARIABLE ANNUITY CONTRACT

 

The
benefits available under this Contract, including the Contract Value, death
benefit and annuity income payments, when based on the investment experience of
the separate account, are variable. They will increase and decrease as a result
of fluctuations in the net investment factor described on page 13 of the
Contract. There is no minimum value guarantee for amounts allocated to the
separate account.

 

Variable
annuity income payments are determined by the Annuity Unit Value(s) of the
Sub-Account(s) you select and will increase or decrease as a result of
fluctuations in the net investment factor above or below the Assumed Investment
Return of 4.75%, as described on page 16 of the Contract.

 

The
explicit charges assessed against the separate account are described on the
Schedule.

 

YOU HAVE THE RIGHT TO RETURN THIS CONTRACT

 

You
may cancel this Contract within ten (10) days after you receive it by returning
the Contract to our Administrative Office or to the Agent who sold it to you
with a written request for cancellation. Return of this Contract by mail is
effective on being post-marked and properly addressed with postage paid. We
will promptly return the Contract Value plus any amount deducted from the
Purchase Payments or the Contract Value. This may be more or less than the
Purchase Payments. If this Contract replaced a life insurance policy or another
annuity contract, you may cancel this Contract within sixty (60) days after you
receive it.

 

	
   

  	
  

  	
   

  	
  

  	
   

  
	
   

  	
  { Wayne E.
  Stuenkel

  	
   

  	
  { Deborah J.
  Long

  	
   

  
	
   

  	
  President }

  	
   

  	
  Secretary }

  	
   

  

 

THIS IS A
LEGALLY BINDING CONTRACT - READ IT CAREFULLY

 

Administrative Office:

PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY

{ P. O. Box
10648

Birmingham, Alabama 35202-0648

(800) 456-6330 }

 

 

This Page Intentionally left
blank.

 

 

SCHEDULE

 

	
  CONTRACT
  NUMBER

  	
   

  	
  EFFECTIVE
  DATE

  
	
  { AFVA-000000001 }

  	
   

  	
  { May 1, 2008 }

  
	
   

  	
   

  	
   

  
	
  OWNER
  1

  	
   

  	
  BIRTH
  DATE OF OWNER 1

  
	
  { John C. Doe }

  	
   

  	
  { March 30, 1953 }

  
	
   

  	
   

  	
   

  
	
  OWNER 2

  	
   

  	
  BIRTH
  DATE OF OWNER 2

  
	
  { Mary F. Doe }

  	
   

  	
  { April 15, 1958 }

  
	
   

  	
   

  	
   

  
	
  ANNUITANT

  	
   

  	
  BIRTH
  DATE OF ANNUITANT

  
	
  { John C. Doe }

  	
   

  	
  { March 30, 1953 }

  
	
   

  	
   

  	
   

  
	
  BENEFICIARY

  	
   

  	
  ANNUITY
  COMMENCEMENT DATE

  
	
  As contained in our
  records

  	
   

  	
  { March 30, 2048 }

  

 

INITIAL PURCHASE PAYMENT:
{ $100,000.00 }

 

LATEST
AGE FOR PURCHASE PAYMENTS:  { 85 }

 

MINIMUM
GUARANTEED INTEREST RATE FOR THE GUARANTEED ACCOUNT: {
3.00% }

 

ANNUAL
EFFECTIVE INTEREST RATES ON THE EFFECTIVE DATE:

DCA
FIXED ACCOUNT 1 - { 4.00% }

DCA
FIXED ACCOUNT 2 - { 3.50% }

 

MORTALITY
AND EXPENSE RISK CHARGE

{ 1.40% } per annum.

 

ADMINISTRATION
CHARGE

{ 0.15% } per annum.

 

DEATH BENEFIT

{ Return of
Purchase Payments }

 

DEATH BENEFIT COST CALCULATION
METHOD

{ CoverPay® - A  Benefit Based
Fee }

 

{
CONTRACT MAINTENANCE FEE: 
$30

The contract maintenance
fee is deducted prior to the Annuity Commencement Date on each Contract
Anniversary, and on any day that the Contract is surrendered other than the
Contract Anniversary. The contract maintenance fee will be deducted from the
Allocation Options in the same proportion as their values are to the Contract
Value. The contract maintenance fee will be waived by the Company in the event
the Contract Value or the aggregate Purchase Payments reduced by surrenders
equals or exceeds $50,000 on the date the contract maintenance fee is to be
deducted. }

 

{ TRANSFER
FEE

$25 per transfer in
excess of 12 transfers in any Contract Year. }

 

3

 

ALLOCATION
OPTIONS AVAILABLE ON THE EFFECTIVE DATE

 

Protective
Life Guaranteed Account

 

DCA Fixed Account 1

DCA Fixed Account 2

 

Protective Variable Annuity
Account A

 

{
Fidelity

VIP Contrafund®  Service
Class 2

VIP Equity-Income  Service Class 2

VIP Growth  Service Class 2

VIP Index 500  Service Class 2

VIP Investment Grade
Bond  Service Class 2

VIP Mid Cap  Service Class 2

 

Franklin
Templeton

Franklin Flex Cap
Growth  Class 2

Franklin Income  Class 2

Franklin Rising
Dividends  Class 2

Franklin Small-Mid Cap
Growth  Class 2

Franklin U. S.
Government  Class 2

Mutual Shares  Class 2

Templeton Foreign  Class 2

Templeton Global Income
Securities  Class 2

Templeton Growth  Class 2

 

Goldman
Sachs

Capital Growth

Growth and Income

Strategic International
Equity

Structured Small Cap
Equity

Structured U. S. Equity

 

Lord
Abbett

America’s Value

Bond-Debenture

Growth and Income

Growth Opportunities

Mid-Cap Value

 

MFS
Investment Management

Emerging Growth  Service Class

Investors Growth
Stock  Service Class

Investors Trust  Service Class

New Discovery  Service Class

Research  Service Class

Total Return  Service Class

Utilities  Service Class

 

OppenheimerFunds

Capital Appreciation  Service Class

Global Securities  Service Class

High Income  Service Class

Main Street®  Service Class

MidCap  Service Class

Money

Strategic Bond  Service Class

 

Van
Kampen

Aggressive Growth  Class II

Comstock  Class II

Enterprise  Class II

Government  Class II

Growth and Income  Class II

Strategic Growth  Class II

UIF Equity and
Income  Class II  }

 

4

 

TABLE OF
CONTENTS

 

	
  DEFINITIONS

  	
  7

  
	
   

  	
   

  
	
  PARTIES TO THE CONTRACT

  	
  8

  
	
  Company

  	
  8

  
	
  Owner

  	
  8

  
	
  Change of Owner

  	
  8

  
	
  Beneficiary

  	
  8

  
	
  Change of
  Beneficiary

  	
  8

  
	
  Annuitant

  	
  8

  
	
  Change of
  Annuitant

  	
  8

  
	
  Payee

  	
  9

  
	
   

  	
   

  
	
  GENERAL PROVISIONS

  	
  9

  
	
  Entire Contract

  	
  9

  
	
  Modification of
  Contract

  	
  9

  
	
  Incontestability

  	
  9

  
	
  Assignment

  	
  9

  
	
  Written Notice

  	
  9

  
	
  Error in Age or
  Gender

  	
  9

  
	
  Settlement

  	
  9

  
	
  Receipt of
  Payment

  	
  10

  
	
  Protection of
  Proceeds

  	
  10

  
	
  Premium Tax

  	
  10

  
	
  Non-Participating

  	
  10

  
	
  Minimum Values

  	
  10

  
	
  Application of
  Law

  	
  10

  
	
  Reports

  	
  10

  
	
   

  	
   

  
	
  PURCHASE PAYMENTS

  	
  10

  
	
  Purchase
  Payments

  	
  10

  
	
  Allocation of
  Purchase Payments

  	
  10

  
	
  No Default

  	
  10

  
	
   

  	
   

  
	
  VARIABLE ACCOUNT

  	
  11

  
	
  General
  Description

  	
  11

  
	
  Sub-Accounts of
  the Variable Account

  	
  11

  
	
  Variable Account
  Value

  	
  12

  
	
  Accumulation
  Unit Values

  	
  12

  
	
   

  	
   

  
	
  TRANSFERS

  	
  13

  
	
  Transfers

  	
  13

  
	
  Dollar Cost
  Averaging

  	
  13

  

 

5

 

	
  SURRENDERS

  	
  14

  
	
  Full and Partial
  Surrenders

  	
  14

  
	
  Suspension or
  Delay in Payment of Surrender

  	
  14

  
	
   

  	
   

  
	
  DEATH BENEFIT

  	
  14

  
	
  Death of an
  Owner

  	
  14

  
	
  Death of the
  Annuitant

  	
  14

  
	
  Death Benefit

  	
  14

  
	
  Payment of the
  Death Benefit

  	
  15

  
	
  Suspension of
  Payment

  	
  15

  
	
   

  	
   

  
	
  ANNUITIZATION

  	
  15

  
	
  Annuity
  Commencement Date

  	
  15

  
	
  Annuity Income
  Payments

  	
  15

  
	
  Fixed Income
  Payments

  	
  16

  
	
  Variable Income
  Payments

  	
  16

  
	
  Annuity Unit
  Values

  	
  16

  
	
  Selection of
  Annuity Option

  	
  17

  
	
  Annuity Options

  	
  17

  
	
  Minimum Amounts

  	
  17

  
	
  Guaranteed
  Purchase Rates

  	
  17

  
	
   

  	
   

  
	
  FIXED ANNUITY TABLES

  	
  18

  
	
   

  	
   

  
	
  VARIABLE ANNUITY TABLES

  	
  18

  

 

6

 

DEFINITIONS

 

Accumulation Unit:
A unit of measure used to calculate the value of a Sub-Account prior to the
Annuity Commencement Date.

 

Age: The age of
a person on her or his last birthday.

 

Allocation Option:
Any account to which Purchase Payments may be allocated or Contract Value
transferred under this Contract.

 

Annuity Commencement Date:
The date as of which the Contract Value, less applicable premium tax, is
applied to an Annuity Option.

 

Annuity Option:
The payout option pursuant to which the Company makes annuity income payments.

 

Annuity Unit: A
unit of measure used to calculate the amount of the variable income payments.

 

Assumed Investment Return:
The assumed annual rate of return used to calculate the amount of the variable
income payments.

 

Contract Anniversary:
The same month and day as the Effective Date in each subsequent year the
Contract is in force.

 

Contract Value:
Prior to the Annuity Commencement Date, the Variable Account value attributable
to this Contract.

 

Contract Year:
Any period of 12 months commencing with the Effective Date or any Contract
Anniversary.

 

Effective Date:
The date as of which the initial Purchase Payment is credited to the Contract
and the date the Contract takes effect. It is shown on the Schedule.

 

Fund: Any
investment portfolio in which a corresponding Sub-Account invests.

 

Purchase Payment:
The amount(s) paid by the Owner and accepted by the Company as consideration
for the Contract.

 

Sub-Account: A
separate division of the Variable Account.

 

Valuation Day:
Each day on which the New York Stock Exchange is open for business.

 

Valuation Period:
The period which begins at the close of regular trading on the New York Stock
Exchange on any Valuation Day and ends at the close of regular trading on the
next Valuation Day.

 

7

 

Variable Account:
The Variable Annuity Account A, a separate investment account of Protective
Life.

 

Written Notice:
A notice or request submitted in writing in a form satisfactory to the Company
that is received at the Company’s administrative office.

 

PARTIES
TO THE CONTRACT

 

Company -
Protective Life and Annuity Insurance Company, also referred to as “Protective
Life”, “we”, “us” and “our”.

 

Owner - The
person or persons who own the Contract and are entitled to exercise all rights
and privileges provided in the Contract. A Contract may be issued to no more
than two Owners. Individuals as well as non-natural persons, such as
corporations or trusts, may be Owners. The Owner is referred to as “you” and “your”.

 

Change of Owner - The
Owner may be changed by Written Notice provided: (a) the new Owner’s Age would
not have prevented a purchase of this Contract, including any attached optional
benefit rider, on the Effective Date; and, (b) the new Owner attains Age 95 on
or after the Annuity Commencement Date.

 

Beneficiary - The
person or persons who may receive the benefits of this Contract upon the death
of an Owner.

 

Primary
- The Primary Beneficiary is the surviving Owner, if any. If there is no
surviving Owner, the Primary Beneficiary is the person or persons designated by
the Owner and named in our records.

 

Contingent
- The Contingent Beneficiary is the person or persons designated by the Owner
and named in our records to be Beneficiary if the Primary Beneficiary is not
living.

 

If no Beneficiary
designation is in effect or if no Beneficiary is living at the time of an Owner’s
death, the Beneficiary will be the estate of the deceased Owner. If an Owner
dies on or after the Annuity Commencement Date, the Beneficiary will become the
new Owner.

 

Change of Beneficiary -
Unless designated irrevocably, you may change the Beneficiary by Written Notice
prior to the death of any Owner. An irrevocable Beneficiary is one whose
written consent is needed before you can change the Beneficiary designation or
exercise certain other rights.

 

Annuitant - The
person or persons on whose life annuity income payments may be based. Owner 1
is the Annuitant unless the Owner designates another person as the Annuitant.

 

Change of Annuitant -
You may change the Annuitant by Written Notice prior to the Annuity Commencement
Date. However, if any Owner is not an individual the Annuitant may not be
changed. You may not designate an Annuitant who attained Age 86 on or before
the Effective Date or who will attain Age 95 earlier than the Annuity
Commencement Date in effect when the change of Annuitant is requested.

 

8

 

Payee - The
person or persons designated by the Owner to receive the annuity income
payments under the Contract. The Annuitant is the Payee unless you designate another
party as the Payee. You may change the Payee at any time.

 

GENERAL
PROVISIONS

 

Entire Contract - This
Contract and its attachments including the copy of your application and any
endorsements and amendments, constitute the entire agreement between you and us.
All statements in the application shall be considered representations and not
warranties.

 

Modification of the Contract - No
one is authorized to modify or waive any term or provision of this Contract
unless we agree to the modification or waiver in writing and it is signed by
our President, Vice-President or Secretary. We reserve the right to change or
modify the provisions of this Contract to conform to any applicable laws, rules
or regulations issued by a government agency, or to assure continued
qualification of the Contract as an annuity contract under the Internal Revenue
Code. We will send you a copy of the endorsement that modifies the Contract,
and will obtain all necessary regulatory approvals.

 

Incontestability - We
will not contest this Contract after it is issued.

 

Assignment  - You have the right to assign your interest in this
Contract. We do not assume responsibility for the assignment. Any claim made
while the Contract is assigned is subject to proof of the nature and extent of
the assignee’s interest prior to payment.

 

Written Notice - All
instructions under this Contract, and all requests to change or assign it must
be by Written Notice. The Written Notice is effective as of the date it was
signed, however, we are not responsible for following any instruction or making
any change or assignment before we actually receive the Written Notice.

 

Error in Age or Gender - When
a Contract benefit, charge or fee is contingent upon any person’s Age or
gender, we may require proof of such. We may suspend payments until proof is
provided. When we receive satisfactory proof, we will make the payments that
were due during the period of suspension. Where the use of unisex mortality
rates is required, we will not determine or adjust benefits or fees based upon
gender.

 

If after proof of Age and
gender (where applicable) is provided, it is determined that the information
you furnished was not correct, we will adjust the benefits, charges  and fees to those that would result based upon
the correct information. After the adjustment, if we owe you we will pay the
amount in a lump sum. If the error resulted in an overpayment or undercharge,
we will deduct that amount from the Contract Value or may adjust any current or
future payment due under the Contract. Amounts owed to either you or us will
bear interest at an annual effective interest rate of 3%.

 

Settlement -
Benefits due under this Contract are payable from our administrative office and
may be applied to any option we offer for such payments at the time the
election is made. Unless directed otherwise by Written Notice, we will make
payments according to the instructions contained in our records at the time the
payment is made. We shall be discharged from all liability for payment to the
extent of any payments we make.

 

9

 

Receipt of Payment -
If any Owner, Annuitant, Beneficiary or Payee is incapable of giving a valid
receipt for any payment, we may make such payment to whomever has legally
assumed her or his care and principal support. Any such payment shall fully
discharge us to the extent of that payment.

 

Protection of Proceeds - To
the extent permitted by law and except as provided by an assignment, no
benefits payable under this Contract will be subject to the claims of
creditors.

 

Premium Tax -
Premium tax will be deducted, if applicable. Premium tax may be deducted from
the Purchase Payment(s) when accepted, from the Contract Value upon a full or
partial surrender, from the death benefit, or amounts applied to an Annuity
Option.

 

Non-Participating - This
Contract does not share in our surplus or profits, or pay dividends.

 

Minimum Values - The
values available under the Contract are at least equal to the minimum values
required by the state where the Contract is delivered.

 

Application of Law - The
provisions of the Contract are to be interpreted in accordance with the laws of
the state in which it is delivered, the Internal Revenue Code and applicable
regulations.

 

Reports - At
least annually prior to the Annuity Commencement Date, we will send to you at
the address contained in our records a report showing your current Contract
Value and any other information required by law as of a date not more than 31
days prior to the mailing date.

 

PURCHASE
PAYMENTS

 

Purchase Payments -
All Purchase Payments are payable at our administrative office. They shall be
made by check payable to Protective Life and Annuity Insurance Company or by
any other method we deem acceptable. Your initial Purchase Payment is shown on
the Schedule.

 

Generally, we will accept
additional Purchase Payments until the oldest Owner’s or Annuitant’s Age
exceeds the “Latest Age for Purchase Payments” shown on the Schedule. The
minimum additional Purchase Payment we will accept is $100. The maximum
aggregate Purchase Payment(s) we will accept without prior administrative
office approval is $1,000,000. We reserve the right not to accept any Purchase
Payment.

 

Allocation of Purchase Payments -
We allocate Purchase Payments according to the instructions
contained in our records at the time we accept the Purchase Payment at our
administrative office. Your initial allocation instructions are on the
application. You may change your allocation instructions at any time by Written
Notice. Allocations must be made in whole percentages.

 

No Default - You
are not required to make any additional Purchase Payments.

 

10

 

VARIABLE
ACCOUNT

 

General Description - The
variable benefits under the Contract are provided through Variable Annuity
Account A, which is registered with the Securities and Exchange Commission as a
unit investment trust under the Investment Company Act of 1940. We own the
assets in the Variable Account. The portion of the assets of the Variable Account
equal to the reserves and other contract liabilities with respect to the
Variable Account are not chargeable with the liabilities arising out of any
other business we may conduct. The income, gains and losses, both realized and
unrealized, from the assets of the Variable Account shall be credited to or
charged against the Variable Account without regard to any other income, gains
or losses of the Company. We have the right to transfer to our general account
any assets of the Variable Account that are in excess of such reserves and
other liabilities.

 

Sub-Accounts of the Variable
Account - The Variable Account is divided into a series of
Sub-Accounts. The Sub-Accounts available on the Effective Date are listed on
the Schedule. Each Sub-Account invests in shares of a corresponding Fund. The
income, dividends, and gains, if any, distributed from the shares of a Fund
will be reinvested by purchasing additional shares of that Fund at its net
asset value.

 

When permitted by law, we
may:

 

	
   

  	
  (1)

  	
  create
  new variable accounts;

  
	
   

  	
   

  	
   

  
	
   

  	
  (2)

  	
  combine
  new variable accounts;

  
	
   

  	
   

  	
   

  
	
   

  	
  (3)

  	
  add
  new Sub-Accounts to, or remove existing Sub-Accounts from the Variable
  Account, or combine Sub-Accounts;

  
	
   

  	
   

  	
   

  
	
   

  	
  (4)

  	
  make
  new Sub-Accounts or other Sub-Accounts available to such classes of the
  Contracts as we may determine;

  
	
   

  	
   

  	
   

  
	
   

  	
  (5)

  	
  add
  new Funds, or remove existing Funds;

  
	
   

  	
   

  	
   

  
	
   

  	
  (6)

  	
  substitute
  a different Fund for any existing Fund if shares of a Fund are no longer
  available for investment, or if we determine that investment in a Fund is no
  longer appropriate in light of the purpose of the Variable Account;

  
	
   

  	
   

  	
   

  
	
   

  	
  (7)

  	
  deregister
  the Variable Account under the Investment Company Act of 1940 if such
  registration is no longer required;

  
	
   

  	
   

  	
   

  
	
   

  	
  (8)

  	
  operate
  the Variable Account as a management investment company under the Investment
  Company Act of 1940 or as any other form permitted by law;

  
	
   

  	
   

  	
   

  
	
   

  	
  (9)

  	
  make
  any changes to the Variable Account or its operations as may be required by
  the Investment Company Act of 1940 or other applicable law or regulations.

  

 

11

 

The values and benefits
of this Contract provided by the Variable Account depend on the investment
performance of the Funds in which the Sub-Accounts invest. We do not guarantee
the investment performance of the Funds. You bear the full investment risk for
amounts allocated or transferred to the Sub-Accounts.

 

We reserve the right to
deduct taxes attributable to the operation of the Variable Account.

 

Variable Account Value -
At any time prior to the Annuity Commencement Date, the Variable Account value
is equal to:

 

(1)        Purchase Payments
allocated to the Variable Account; plus

 

(2)        other amounts applied to
the Variable Account; plus or minus

 

(3)        investment performance;
minus

 

(4)        the amount of any
surrenders removed from the Variable Account; minus

 

(5)        other charges, fees and
premium tax deducted from the Variable Account.

 

The Variable Account
value equals the total of the Sub-Account values.

 

Amounts allocated to the
Variable Account are used to purchase Accumulation Units of one or more
Sub-Accounts. To calculate the value of a Sub-Account, we multiply the number
of Accumulation Units attributable to each Sub-Account by the Accumulation Unit
value for that Sub-Account as of the Valuation Period for which the value is
being determined.

 

Events that will result
in the cancellation of an appropriate number of Accumulation Units of a
Sub-Account include, but are not limited to:

 

(1)        transfers from a
Sub-Account;

 

(2)        a full or partial
surrender;

 

(3)        payment of the death
benefit;

 

(4)        annuitization;

 

(5)        deduction of charges, fees
or premium tax.

 

Accumulation Units will
be canceled as of the end of the Valuation Period during which the transaction
occurs.

 

Accumulation Unit Values - The
Accumulation Unit value for each Sub-Account on any Valuation Day is determined
by multiplying the Accumulation Unit value on the prior Valuation Day by the
net investment factor for the Valuation Period. The net investment factor is
used to measure the investment performance of a Sub-Account from one Valuation
Period to the next. A net investment factor is determined for each Sub-Account
for each Valuation Period. The net investment factor may be greater or less
than one, so the value of an Accumulation Unit can increase or decrease.

 

12

 

The net investment factor
for any Sub-Account for any Valuation Period is determined by dividing (1) by
(2) and subtracting (3), where:

 

	
   

  	
  (1)

  	
  is the result of:

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  a.

  	
  the net asset value per
  share of the Fund held in the Sub-Account, determined at the end of the
  current Valuation Period; plus

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  b.

  	
  the per share amount of
  any dividend or capital gain distributions made by the Funds held in the
  Sub-Account, if the “ex-dividend” date occurs during the current Valuation
  Period.

  
	
   

  	
   

  	
   

  
	
   

  	
  (2)

  	
  is the net asset value
  per share of the Fund held in the Sub-Account, determined at the end of the
  most recent prior Valuation Period.

  
	
   

  	
   

  	
   

  
	
   

  	
  (3)

  	
  is a factor
  representing the mortality and expense risk charge and the administration
  charge for the number of days in the Valuation Period and a charge or credit
  for any taxes attributed to the investment operations of the Sub-Account, as
  determined by the Company.

  

 

TRANSFERS

 

Transfers - Prior
to the Annuity Commencement Date, you may instruct us to transfer amounts among
the Allocation Options. You must transfer at least $100 or, if less, the entire
amount in the Allocation Option each time you make a transfer. If after the
transfer the amount remaining in any of the Allocation Options from which the
transfer is made is less than $100, we may transfer the entire amount instead
of the requested amount. We may also limit the number of transfers to no more
than 12 per year. For each additional transfer over 12 during each Contract
Year, we may charge the transfer fee shown on the Schedule. The transfer fee,
if any, will be deducted from the amount being transferred. We will not honor
transfer requests when the transfer would be detrimental to any Fund, other
Owners or the Variable Account.

 

Dollar Cost Averaging - Prior
to the Annuity Commencement Date, you may instruct us by Written Notice to
systematically and automatically transfer, on a monthly or quarterly basis,
amounts from a Sub-Account into one or more different Sub-Accounts, except no
dollar cost averaging transfers may be made into the {OppenheimerFunds
Money} Sub-Account. Dollar cost averaging
transfers can be made on the 1st through the 28th day of
a month. We will continue dollar cost averaging transfers until the earlier of:

 

(1)           the value of the
Sub-Account from which the transfers are being made is $0; or

 

(2)           you instruct us by
Written Notice to discontinue the transfers.

 

Transfers made to
facilitate dollar cost averaging will not count against the 12 transfers
allowed each Contract Year.

 

13

 

SURRENDERS

 

Full and Partial Surrenders -
You may fully surrender your Contract any time prior to the Annuity
Commencement Date. You may request a partial surrender prior to the Annuity
Commencement Date provided the Contract Value remaining after the partial
surrender is at least equal to the
minimum amount required to purchase a Contract. The amount we pay upon a
full or partial surrender is equal to the Contract Value surrendered minus
applicable fees and premium tax, if any. We will make partial surrenders
pro-rata from the Allocation Options.

 

Suspension or Delay in Payment of
Surrender - The Company may suspend or delay the date of
payment of a partial or full surrender from the Variable Account value for any
period:

 

	
   

  	
  (1)

  	
  when
  the New York Stock Exchange is closed; or

  
	
   

  	
   

  	
   

  
	
   

  	
  (2)

  	
  when
  trading on the New York Stock Exchange is restricted; or

  
	
   

  	
   

  	
   

  
	
   

  	
  (3)

  	
  when
  an emergency exists (as determined by the Securities and Exchange Commission)
  as a result of which:

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  a.

  	
  the
  disposal of securities in the Variable Account is not reasonably practical;
  or

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  b.

  	
  it
  is not reasonably practical to determine fairly the value of the net assets
  of the Variable Account; or

  
	
   

  	
   

  	
   

  
	
   

  	
  (4)

  	
  when
  the Securities and Exchange Commission, by order, so permits for the
  protection of security holders.

  

 

DEATH
BENEFIT

 

Death of an Owner - If
an Owner dies before the Annuity Commencement Date and while this Contract is
in force, we will pay the death benefit to the Beneficiary. If an Owner dies on
or after the Annuity Commencement Date, the Beneficiary will become the new
Owner and remaining payments must be distributed at least as rapidly as under
the Annuity Option in effect at the time of the Owner’s death.

 

Death of the Annuitant - If
the Annuitant is not an Owner and dies prior to the Annuity Commencement Date,
Owner 1 will become the new Annuitant unless you designate otherwise. If any
Owner is not an individual, we will treat the death of the Annuitant as a death
of an Owner.

 

Death Benefit -
The death benefit is the Contract Value as of the end of the Valuation Period
during which we receive due proof of death. Only one death benefit is payable
under this Contract, even though the Contract may, in some circumstances,
continue beyond an Owner’s death.

 

14

 

Payment of the Death Benefit - The
death benefit may be taken in one sum immediately and the Contract will
terminate. If the death benefit is not taken in one sum immediately, the entire
interest in the Contract must be distributed under one of the following
options:

 

(1)           the entire interest
must be distributed over the life of the Beneficiary, or over a period not
extending beyond the life expectancy of the Beneficiary, with distribution
beginning within one year of the deceased Owner’s death; or,

 

(2)           the entire interest
must be distributed within 5 years of the deceased Owner’s death.

 

If the Beneficiary is the
deceased Owner’s spouse, the surviving spouse may elect, in lieu of receiving
the death benefit, to continue the Contract and become the new Owner provided
the deceased Owner’s spouse meets all the requirements in the “Change of Owner”
provision. The surviving spouse may then select a new Beneficiary. Upon the
surviving spouse’s death, the Beneficiary may take the death benefit in one sum
immediately and the Contract will terminate. If not taken in one sum
immediately, the death benefit must be distributed to the Beneficiary according
to either paragraph (1) or (2), above.

 

If there is more than one
Beneficiary, the foregoing provisions apply to each Beneficiary individually.

 

The death benefit
provisions of this Contract shall be interpreted to comply with the
requirements of §72(s) of the Internal Revenue Code. We will endorse this
Contract as necessary to conform to regulatory requirements. We will obtain all
necessary regulatory approvals and will send you a copy of the endorsement.

 

Suspension of Payment - Payment
of the death benefit may be suspended or delayed under the circumstances
described in the “Suspension or Delay in Payment of Surrender” provision.

 

ANNUITIZATION

 

Annuity Commencement Date -
On the Effective Date, the Annuity Commencement Date is the oldest Owner’s or
Annuitant’s 95th birthday and is shown on the Schedule. The Owner
may change the Annuity Commencement Date by Written Notice. The proposed Annuity Commencement Date must
be at least 30 days beyond the date we receive it and at least 1 year after the
Effective Date. You may not select an Annuity Commencement Date that
occurs after the oldest Owner or Annuitant attains Age 95 without our consent.

 

On the Annuity
Commencement Date, we apply the Contract Value, less any applicable premium
tax, to the Annuity Option you select and establish annuity income payments.

 

Annuity Income Payments -
You may elect to receive fixed income payments, variable income payments, or a
combination of both using the same Annuity Option and certain period.

 

15

 

Fixed Income Payments - Fixed
income payments are periodic payments from the Company to the designated Payee,
the amount of which is fixed and guaranteed by the Company. Fixed income
payments are not in any way dependent upon the investment experience of the
Variable Account.

 

Variable Income Payments - Variable
income payments are periodic payments from the Company to the designated Payee,
the amount of which varies from one payment to the next as a reflection of the
net investment experience of the Sub-Account(s) you select to support the
payments.

 

Using an Assumed
Investment Return of 4.75%, we determine the dollar value of a variable income
payment as of the Annuity Commencement Date. However, no payment is actually
made on that date. We then allocate that dollar amount among the Sub-Accounts
you selected to support your variable income payments. Based on the Annuity
Unit values of the selected Sub-Accounts on that date, we determine the number
of Annuity Units attributable to each Sub-Account. The number of Annuity Units
attributable to each Sub-Account remains constant unless there is a transfer of
Annuity Units between Sub-Accounts.

 

To calculate the amount
of each variable income payment, we multiply the number of Annuity Units attributable
to each Sub-Account by the Annuity Unit value for that Sub-Account as of the
Valuation Period on which the payment is being determined. We then total
results of these calculations for each Sub-Account.

 

Annuity Unit Values - The
Annuity Unit value of each Sub-Account for any Valuation Period is equal to (1)
multiplied by (2) divided by (3) where:

 

(1)        is the net investment
factor for the Valuation Period for which the Annuity Unit value is being
calculated using the mortality and expense risk charge and the administration
charge shown on the Schedule;

 

(2)        is the Annuity Unit value
for the preceding Valuation Period; and

 

(3)        is a daily Assumed
Investment Return factor adjusted for the number of days in the Valuation
Period.

 

Neither the Company’s
actual expenses nor its mortality experience will adversely affect the dollar
amount of the variable income payments after they have commenced.

 

You may transfer Annuity
Units between Sub-Accounts. This is done by converting Annuity Units of a
Sub-Account into a dollar amount using the Annuity Unit value for that
Sub-Account on the Valuation Period during which the transfer occurs and
reconverting that dollar amount into the appropriate number of Annuity Units of
another Sub-Account using its Annuity Unit value for the same Valuation Period.
Thus, on the date of the transfer, the dollar amount of the portion of a
variable income payment generated from the Annuity Units of either Sub-Account
would be the same. For variable income payments, only one transfer between
Sub-Accounts is allowed in any calendar month.

 

Transfers involving fixed
income payments are not allowed.

 

16

 

Selection of Annuity Option -
You may select an Annuity Option, or change your selection by Written Notice
received by the Company not later than 30 days before the Annuity Commencement
Date. If you have not selected an Annuity Option within 30 days of the Annuity
Commencement Date, we will apply your Contract Value to fixed income payments
under Option B  -  Life Income with Payments for a 10 Year
Certain Period.

 

Annuity Options -
You may select from among the following Annuity Options:

 

OPTION A - PAYMENTS FOR A
CERTAIN PERIOD: We will make income payments for the period you select from among
those available at the time you make your selection. Payments under this
Annuity Option do not depend on the life of an Annuitant. Fixed income payments
under Option A may not be surrendered, but you may surrender variable income
payments under Option A. No
certain period may be less than 10 years without our prior consent.

 

OPTION B - LIFE INCOME
WITH OR WITHOUT A CERTAIN PERIOD: 
Payments are based on the life of an Annuitant. We reserve the right to
demand proof that the Annuitant(s) is living prior to making any income payment.
If you include a certain period, we will make payments for the lifetime of the
Annuitant, with payments guaranteed for the certain period you select. Payments
stop at the end of the selected certain period or when the Annuitant(s) dies,
whichever is later. If no certain period is selected, payments will stop upon
the death of the Annuitant(s) no matter how few or how many payments have been
made. Neither fixed nor variable income payments under Option B may be
surrendered. No certain
period may be less than 10 years without our prior consent.

 

ADDITIONAL OPTION:  The Contract Value, less applicable premium
tax, may be used to purchase any annuity we offer on the date this option is
elected.

 

Minimum Amounts - If
your Contract Value is less than $2,000 on the Annuity Commencement Date, we
reserve the right to pay the Contract Value in one lump sum. If at any time
your annuity income payments are less than $20, we reserve the right to change
the frequency of your income payments to an interval that will result in a
payment amount at least equal to that amount.

 

Guaranteed Purchase Rates -
The guaranteed interest basis for fixed income payments, which is not
applicable to variable income payments, is 1.5%. The mortality basis is the
Annuity 2000 Mortality Table projected 4 years using the annual projection
factors associated with the 1983 Individual Annuitant Mortality Table. One year
will be deducted from the attained age of the Annuitant for every 3 completed
years beyond the year 2004. Upon request, we will furnish you the guaranteed
purchase rates for ages and periods not shown below. Annuity benefits available
on the Annuity Commencement Date will not be less than those provided by the
application of an equivalent amount to the purchase of a single premium
immediate annuity contract offered by us on the Annuity Commencement Date to
the same class of Annuitants for the same Annuity Option.

 

Individual
Flexible Premium Deferred Fixed and Variable Annuity Contract

Non-Participating

 

17

 

FIXED
ANNUITY TABLES

 

These tables illustrate
the minimum fixed monthly annuity payments rates for each $1,000 applied.

 

	
   

  	
  OPTION A
  TABLE

  	
   

  	
  OPTION B
  TABLE

  	
   

  
	
   

  	
  Payments for a

  Certain Period

  	
   

  	
  Life Income with
  or without a

  Certain Period

  	
   

  

 

	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  Life with 10 Year

  	
   

  
	
   

  	
   

  	
  Monthly

  	
   

  	
  Age of

  	
   

  	
  Life Only

  	
   

  	
  Certain Period

  	
   

  
	
  Years

  	
   

  	
  Payment

  	
   

  	
  Annuitant

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  10

  	
   

  	
  8.96

  	
   

  	
  60

  	
   

  	
  3.82

  	
   

  	
  3.44

  	
   

  	
  3.76

  	
   

  	
  3.41

  	
   

  
	
  15

  	
   

  	
  6.20

  	
   

  	
  65

  	
   

  	
  4.47

  	
   

  	
  3.98

  	
   

  	
  4.34

  	
   

  	
  3.92

  	
   

  
	
  20

  	
   

  	
  4.81

  	
   

  	
  70

  	
   

  	
  5.37

  	
   

  	
  4.74

  	
   

  	
  5.08

  	
   

  	
  4.60

  	
   

  
	
  25

  	
   

  	
  3.99

  	
   

  	
  75

  	
   

  	
  6.62

  	
   

  	
  5.84

  	
   

  	
  5.95

  	
   

  	
  5.48

  	
   

  
	
  30

  	
   

  	
  3.44

  	
   

  	
  80

  	
   

  	
  8.37

  	
   

  	
  7.48

  	
   

  	
  6.90

  	
   

  	
  6.52

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  85

  	
   

  	
  10.85

  	
   

  	
  9.94

  	
   

  	
  7.76

  	
   

  	
  7.54

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  90

  	
   

  	
  14.29

  	
   

  	
  13.49

  	
   

  	
  8.40

  	
   

  	
  8.28

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  95

  	
   

  	
  18.93

  	
   

  	
  18.03

  	
   

  	
  8.78

  	
   

  	
  8.73

  	
   

  

 

VARIABLE
ANNUITY TABLES

 

Payments will vary based
on the investment experience of the Variable Account relative to the interest
assumption of 4.75% and could be more or less than the payments shown.

 

	
   

  	
  OPTION A
  TABLE

  	
   

  	
  OPTION B
  TABLE

  	
   

  
	
   

  	
  Payments for a

  Certain Period

  	
   

  	
  Life Income with
  or without a

  Certain Period

  	
   

  

 

	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
  Life with 10 Year

  	
   

  
	
   

  	
   

  	
  Monthly

  	
   

  	
  Age of

  	
   

  	
  Life Only

  	
   

  	
  Certain Period

  	
   

  
	
  Years

  	
   

  	
  Payment

  	
   

  	
  Annuitant

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  	
  Male

  	
   

  	
  Female

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  10

  	
   

  	
  9.85

  	
   

  	
  60

  	
   

  	
  5.41

  	
   

  	
  5.04

  	
   

  	
  5.32

  	
   

  	
  4.99

  	
   

  
	
  15

  	
   

  	
  7.29

  	
   

  	
  65

  	
   

  	
  6.03

  	
   

  	
  5.54

  	
   

  	
  5.84

  	
   

  	
  5.44

  	
   

  
	
  20

  	
   

  	
  6.05

  	
   

  	
  70

  	
   

  	
  6.90

  	
   

  	
  6.25

  	
   

  	
  6.49

  	
   

  	
  6.04

  	
   

  
	
  25

  	
   

  	
  5.33

  	
   

  	
  75

  	
   

  	
  8.12

  	
   

  	
  7.32

  	
   

  	
  7.26

  	
   

  	
  6.83

  	
   

  
	
  30

  	
   

  	
  4.87

  	
   

  	
  80

  	
   

  	
  9.83

  	
   

  	
  8.91

  	
   

  	
  8.08

  	
   

  	
  7.75

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  85

  	
   

  	
  12.23

  	
   

  	
  11.32

  	
   

  	
  8.82

  	
   

  	
  8.63

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  90

  	
   

  	
  15.55

  	
   

  	
  14.78

  	
   

  	
  9.36

  	
   

  	
  9.26

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
  95

  	
   

  	
  19.98

  	
   

  	
  19.14

  	
   

  	
  9.69

  	
   

  	
  9.64

  	
   

  

 

18

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