Document:

exh10_1.htm

Exhibit 10.1

 

 

 

Amendment and Forbearance Agreement

 

This agreement is dated as of December 14, 2009 (the "Effective Date"), by and between United Western Bancorp, Inc. (the "Borrower") and JPMorgan Chase Bank, N.A.
(together with its successors and assigns the "Bank").  The provisions of this agreement are effective as of the Effective Date on the date that the Borrower has satisfied all the conditions precedent in Section 8 of this agreement.

 

WHEREAS, the Borrower and the Bank entered into that certain Credit Agreement dated as of June 29, 2007, as amended by that certain Amendment to Credit Agreement dated as of June 30, 2008; that certain Amendment to Credit Agreement dated June 30, 2009 and further amended by that
certain Amendment to Credit Agreement dated September 30, 2009 (the "Credit Agreement”); and

 

WHEREAS, the Borrower has requested and the Bank has agreed to amend the Credit Agreement and to enter into a forbearance agreement as set forth in this agreement.

 

NOW, THEREFORE, in mutual consideration of the agreements contained herein and for other good and valuable consideration, the parties agree as follows:

 

1.    DEFINED TERMS. Capitalized terms used in this agreement shall have the same meanings as in the Credit Agreement, unless otherwise defined in this agreement.

 

2.    EXECUTION OF MEMORANDUM OF UNDERSTANDING WITH THE OFFICE OF THRIFT SUPERVISION (“OTS”). Pursuant to the Section of Article 6 of the Credit Agreement listed below, the Borrower agreed that,
without the prior written consent of the Bank, the Borrower will not and no Material Subsidiary of the Borrower will do any of the following:

 

	
  
	
6.8
	
Regulatory Enforcement Actions. None of the Borrower, or any of its Material Subsidiaries, or any of their respective officers or directors, is now operating under or will operate under any effective written restrictions agreed to by the Borrower or by an of its Material Subsidiaries, or agreements, memoranda, or written commitments by the Borrower or by any
of its Material Subsidiaries (other than restrictions of general application) imposed or required by any Governmental Authority nor are any such restrictions threatened or agreements, memoranda or commitments being sought by any Governmental Authority.

 

     The Borrower has informed the Bank that both the Borrower and one of its Material Subsidiaries, United Western Bank, has been requested by the Office of Thrift Supervision to each enter into Memorandums
of Understanding disclosed on Form 8-K filed by the Borrower on December 16, 2009 (collectively, the “Memoranda of Understanding”) and the Borrower has requested that the Bank consent to the Borrower and United Western Bank entering into the Memoranda of Understanding (the "Request"). The Bank is withholding its consent to the Request, however, the Bank has agreed to the amendment to
Section 6.8, set forth in this agreement and to the forbearance described in this agreement.

 

3.    MODIFICATION OF CREDIT AGREEMENT. From and after the Effective Date, the Credit Agreement is hereby amended as follows:

 

3.1  Section 6.8 of the Credit Agreement captioned "Regulatory Enforcement Actions" is amended and restated to read as follows:

 

	
  
	
6.8
	
Regulatory Enforcement Actions. Other than as disclosed to the Bank pursuant to the Amendment and Forbearance Agreement dated as of December 14, 2009, none of the Borrower, or any of its Material Subsidiaries, or any of their respective officers or directors, is now operating under or will operate under any effective written restrictions agreed to by the Borrower
or by any of its Material Subsidiaries, or agreements, memoranda, or written commitments by the Borrower or by any of its Material Subsidiaries (other than restrictions of general application) imposed or required by any Governmental Authority nor are any such restrictions threatened or agreements, memoranda or commitments being sought by any Governmental Authority.

 

 

 

1

 

 

4.    FORBEARANCE AGREEMENT.  The Borrower agrees and acknowledges that execution of the Memoranda of Understanding by the Borrower and United Western Bank results in
the occurrence of certain Events of Default under the terms and conditions of the Credit Agreement and has requested that Bank forbear from exercising its remedies under the Credit Agreement resulting from the execution of the Memoranda of Understanding and the agreements made in such Memoranda until the stated maturity date of the LOC Note (as hereinafter defined) which is December 31, 2009, at which time the entire principal amount outstanding under the LOC Note and accrued interest is finally due and payable.

 

The Bank agrees that during the period commencing on November 30, 3009 until December 31, 2009 (the "Forbearance Period"), it will forbear from declaring the LOC Note to be
immediately due and payable as a result of the execution of the Memoranda of Understanding and the Events of Default resulting from the execution of the Memoranda of Understanding. Furthermore, the Bank agrees that interest on the LOC Note shall continue to accrue thereon at the contract rate specified therein without imposition of the additional 3%, permitted to be imposed under the LOC Note for the occurrence of a default and the LOC Note continues to be due and payable on the dates specified therein.

 

The Bank reserves its right at any time after the expiration or earlier termination of the Forbearance Period, or at any time during the Forbearance Period upon Borrower’s failure to comply with this agreement or the occurrence of any additional Events of Default or default under any of the terms and conditions of the Credit Agreement
or other Related Documents, to demand payment of the LOC Note, and to pursue legal action against Borrower and exercise its remedies under the Related Documents. The Borrower acknowledges that the LOC Note matures on December 31, 2009, and represents and warrants that Borrower is actively and diligently working on a repayment plan and proposal with respect to the Liabilities evidenced by the LOC Note and will keep the Bank informed on its progress regarding refinancing the Liabilities with other lenders.

 

5.    RATIFICATION. The Borrower ratifies and reaffirms the Credit Agreement and the Credit Agreement shall remain in full force and effect as modified by this agreement.

 

6.    BORROWER REPRESENTATIONS AND WARRANTIES. The Borrower represents and warrants that (a) upon the effectiveness of this agreement, the representations and warranties contained in the Credit Agreement are true
and correct in all material respects as of the date of this agreement, (b) no condition, event, act or omission which could constitute a default or an event of default under the Credit Agreement, as modified by this agreement, or any other Related Document exists except as related to the execution of the Memoranda of Understanding, and (c) no other condition, event, act or omission has occurred and is continuing that with the giving of notice, or the passage of time or both, would constitute a default or an event
of default under the Credit Agreement, as modified by this agreement, or any other Related Document.

 

7.    FEES AND EXPENSES. The Borrower agrees to pay all fees and out-of-pocket disbursements incurred by the Bank in connection with this agreement, including legal fees incurred by the Bank in the preparation,
consummation, administration and enforcement of this agreement. Additionally, the Borrower shall pay to the Bank a fee in the amount of $10,000.00 (the "Fee") as consideration for the Bank's review of the Request and for providing the amendment and forbearance described in this agreement.

 

8.    EXECUTION AND DELIVERY. This agreement shall become effective only after it is fully executed by the Borrower and the Bank.  Bank acknowledges receipt of a $5,000,000.00 principal reduction payment
made by Borrower on November 30, 2009 in accordance with the Line of Credit Note (with principal reduction) dated September 30, 2009, in the original face amount of $25,000,000.00 (the "LOC Note") so that the principal balance outstanding on November 30, 2009, does not exceed Twenty Million and 00/100 Dollars ($20,000,000.00) in accordance with the terms of said LOC Note so that no payment default will exist under the LOC Note.  Borrower represents
and warrants that it has informed the Office of Thrift Supervision ("OTS") of its intention to make the above described $5,000,000.00 required principal reduction payment and that the Borrower has not received any objection by the OTS to the payment of the amount required by the LOC Note.

 

9.   ACKNOWLEDGEMENTS OF BORROWER / RELEASE. The Borrower acknowledges
that as of the date of this agreement it has no offsets with respect to all amounts owed by the Borrower to the Bank arising under or related to the Credit Agreement, as modified by this agreement, or any other Related Document on or prior to the date of this

 

 

 

2

 

    agreement. The Borrower fully, finally and forever releases and discharges the Bank, its successors and assigns and their respective directors, officers, employees, agents and representatives (each a "Bank Party") from
any and all claims, causes of action, debts, demands and liabilities, of whatever kind or nature, in law or in equity, of the Borrower, whether now known or unknown to the Borrower, which may have arisen in connection with the Credit Agreement or the actions or omissions of any Bank Party related to the Credit Agreement on or prior to the date hereof. The Borrower acknowledges and agrees that this agreement is limited to the terms outlined above, and shall not be construed as an agreement to change any other
terms or provisions of the Credit Agreement. This agreement shall not establish a course of dealing or be construed as evidence of any willingness on the Bank's part to grant other or future agreements, should any be requested.

 

10.   INTEGRATION, ENTIRE AGREEMENT, CHANGE, DISCHARGE, TERMINATION, OR WAIVER. The Credit Agreement, as modified by this agreement, and the other Related Documents contains the complete understanding and agreement of
the Borrower and the Bank in respect of the Credit Facilities and supersede all prior understandings and negotiations. No provision of the Credit Agreement, as modified by this agreement, or the other Related Documents, may be changed, discharged, supplemented, terminated, or waived except in a writing signed by the party against whom it is being enforced.

 

11.   NOT A NOVATION. This agreement is a modification only and not a
novation. Except as expressly modified by this agreement, the Credit Agreement, any other Related Documents, and all the terms and conditions thereof, shall be and remain in full force and effect with the changes herein deemed to be incorporated therein. This agreement is to be considered attached to the Credit Agreement and made a part thereof. This agreement shall not release or affect the liability of any guarantor of the Liabilities or release any owner of collateral granted as security for the Liabilities.
The validity, priority and enforceability of the Credit Agreement shall not be impaired hereby. To the extent that any provision of this agreement conflicts with any term or condition set forth in the Credit Agreement, or any other Related Documents, the provisions of this agreement shall supersede and control. The Bank expressly reserves all rights against all parties to the Credit Agreement and the other Related Documents.

 

 

	  	  	
Borrower:

	  	  	
United Western Bancorp, Inc.

	  	  	  
	  	  	
By: /s/ William D. Snider

	  	  	
Printed Name: William D. Snider                                                       Title
CFO

	  	  	  
	  	  	
Date Signed:  12/14/2009

	  	  	  
	  	  	
Bank:

	  	  	
JPMorgan Chase Bank, N.A.

	  	  	  
	  	  	
By: /s/ Janet Leong

	  	  	
Printed Name: Janet Leong                                                                Title
SVP

	  	  	
Date Signed:  12/14/2009

	  	  	  

 

 

3exv10w1

Exhibit
10.1

THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT AND HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED. THIS NOTE MAY NOT BE SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH
REGISTRATION WITHOUT AN EXEMPTION UNDER THE SECURITIES ACT OR AN OPINION OF LEGAL COUNSEL
REASONABLY ACCEPTABLE TO THE COMPANY THAT SUCH REGISTRATION IS NOT REQUIRED.

THIS NOTE IS SUBJECT TO THE SUBORDINATION PROVISIONS SET FORTH IN SECTION 17 HEREOF.

TWELVE MONTH PROMISSORY NOTE

	 	 	 
	[fraction of $20,000,000.00]

	 	December           , 2009

     FOR VALUE RECEIVED, TeleCommunication Systems, Inc., a Maryland corporation (“Maker”),
promises to pay to [Insert Stockholder Name] (“Payee”), the principal sum of [fraction of Twenty
Million Dollars ($20,000,000)], or such lesser principal sum as may be due hereunder, together with
interest until paid, as set forth in this Twelve Month Promissory Note (this “Note”).

     1. Merger Agreement. This Note is issued by Maker to Payee pursuant to the terms and
provisions of Section 2.7 of the Agreement and Plan of Merger dated as of November 25, 2009
by and among Maker, Olympus Merger Sub Inc., Networks in Motion, Inc., a Delaware corporation, and
G. Bradford Jones, as the Stockholders’ Representative (the “Merger Agreement”) and, except as
expressly set forth herein, shall be governed, construed and enforced in accordance with the terms
of the Merger Agreement. This Note constitutes part of the Merger Consideration delivered by Maker
for that portion of Company Capital Stock, Company Options and/or Company Warrants owned by Payee.
Capitalized terms used herein by not otherwise defined herein shall have the meanings ascribed to
such terms in the Merger Agreement.

     2. Fixed Interest Rate. Simple interest shall accrue and be payable on the
outstanding unpaid principal balance of this Note at the fixed interest rate of six percent (6%)
per annum. All interest shall accrue based on a 360-day year for the actual number of days
outstanding.

     3. Principal and Interest Payments. Other than the Interim Payment which becomes due
and payable on this Note as provided in Section 5.B. below, the entire unpaid principal balance of
this Note, together with all outstanding and unpaid accrued interest shall be due and payable on
the one year anniversary of this Note (the “Maturity Date”) in the manner set forth in Section 4
below.

 

 

     4. Manner of Payment.

          a. Cash. Except as set forth in Section 4(b) of this Note, all payments
hereunder shall be made by check or wire transfer in U.S. dollars, subject to set-off in
Section 5 below, on the due dates of such payments. Payments shall be made to the
address of Payee set forth in the Spreadsheet (as defined in the Merger Agreement). If any
payment of principal or interest on this Note is due on a day that is not a Business Day,
such payment will be due on the next succeeding Business Day.

          b. Shares of TCS Common Stock. Notwithstanding Section 4(a) of this Note, on
or any time prior to the Maturity Date, Maker shall be entitled, in its sole and absolute
discretion, to pay a part or all of the unpaid principal and accrued and unpaid interest
then outstanding under this Note by issuing to Payee a number of fully paid and
non-assessable shares of Class A common stock, par value $0.01 per share, of Maker (the “TCS
Common Stock”) equal to (x) the lesser of the original principal amount of this Note and the
amount of the then-outstanding balance of unpaid principal and accrued and unpaid interest
under this Note divided by (y) the volume weighted average stock price of the TCS Common
Stock for the 10 Business Days prior to the Maturity Date. In the event that Maker decides
to issue shares of TCS Common Stock to Payee in accordance with clause (i) of this Section
4(b), then Maker must notify Payee 5 Business Days prior to the Maturity Date and must issue
the TCS Common Stock within 10 Business Days after the Maturity Date. No fractional shares
of TCS Common Stock shall be issued in connection with the repayment of this Note.
Notwithstanding the foregoing, if as a result of the calculations required hereby, the Payee
is entitled to receive fractional shares of TCS Common Stock, then (i) if the fraction is
less than one-half, the number of shares of TCS Common Stock to be issued pursuant to this
Note shall be rounded down to the nearest whole share and the Payee shall not be entitled to
any further compensation and (ii) if the fraction is greater than or equal to one-half, then
the number of shares of TCS Common Stock to be issued to the Payee pursuant to this Note
shall be rounded up to the nearest whole share.

     5. SET-OFF. NOTWITHSTANDING ANY PROVISION OF THIS NOTE TO THE CONTRARY CONTAINED
HEREIN:

          A. MAKER MAY SET-OFF AGAINST ANY PAYMENTS OF PRINCIPAL OR INTEREST PAYABLE UNDER THIS
NOTE PAYEE’S SHARE (AS DETERMINED HEREIN) OF ANY APPLICABLE CLAIM. AS USED IN THIS NOTE,
THE TERM “APPLICABLE CLAIM” MEANS ANY PAYMENT OWING TO MAKER PURSUANT TO SECTION
2.7(a)(ii)(D)(2) OF THE MERGER AGREEMENT FOLLOWING THE FINAL DETERMINATION OF EXCESS CASH
AND FINAL NET WORKING CAPITAL.

          B. PAYEE’S SHARE OF ANY PAYMENT SHALL BE DETERMINED ACCORDING THE FOLLOWING FORMULA:

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	OFFSET AMOUNT FOR THIS NOTE
	 	=
	 	PAYEE’S
PRO RATA PERCENTAGE (DEFINED BELOW), MULTIPLIED BY THE AGGREGATE
OFFSET AMOUNT (DEFINED BELOW).

	 	 	 	 	 

	PAYEE’S PRO RATA PERCENTAGE
	 	=
	 	THE
ORIGINAL PRINCIPAL AMOUNT OF THIS NOTE, DIVIDED BY $20,000,000.

	 	 	 	 	 

	AGGREGATE OFFSET AMOUNT
	 	=
	 	THE TWELVE MONTH NOTE OFFSET PERCENTAGE (DEFINED BELOW) MULTIPLIED BY THE
APPLICABLE CLAIM.

	 	 	 	 	 

	TWELVE MONTH NOTE OFFSET PERCENTAGE
	 	=
	 	$20,000,000
MINUS THE CASH-OUT ADJUSTMENT ESCROW AMOUNT, DIVIDED BY $20,000,000

          C. IN THE EVENT ANY PAYMENT IS RECEIVED BY MAKER FROM THE CASH-OUT ADJUSTMENT ESCROW
AMOUNT, MAKER SHALL MAKE AN INTERIM PAYMENT OF A PRINCIPAL AMOUNT ON THIS NOTE EQUAL TO THE
FOLLOWING:

	 	 	 	 	 
	INTERIM PAYMENT ON THIS NOTE
	 	=
	 	PAYEE’S PRO RATA PERCENTAGE
MULTIPLIED BY THE CASH-OUT
ADJUSTMENT ESCROW AMOUNT RECEIVED BY
MAKER

          D. NEITHER THE EXERCISE OF NOR THE FAILURE TO EXERCISE SUCH RIGHT OF SET-OFF WILL
CONSTITUTE AN ELECTION OF REMEDIES OR LIMIT MAKER IN ANY MANNER IN THE ENFORCEMENT OF ANY
OTHER REMEDIES THAT MAY BE AVAILABLE TO MAKER UNDER THE MERGER AGREEMENT OR LAW OR EQUITY.

     6. Prepayment. Upon receipt of the prior written consent of Agent (as defined in
Section 17 hereof), Maker shall be permitted to prepay this Note in whole or in part, in cash in
accordance with Section 4(a) of this Note, at any time without penalty or premium.

     7. Restrictions on Security Interests. Until the repayment of this Note in full,
neither Maker nor any of its Subsidiaries may grant security interests in the property of Maker or
such Subsidiaries other than Permitted Security Interests. For purposes of this Note, “Permitted
Security Interests” means (a) any security interests granted for the benefit of secured lenders of
Maker or its Subsidiaries securing any loans or other obligations under the secured credit facility
of Maker, including any extensions, refinancings or replacements therefore; (b) any security
interests granted in property that is not on the date of the Closing subject to a security interest
granted by Maker or its Subsidiaries; (c) any purchase-money security interests granted to secure
obligations incurred to acquire the property subject thereto; and (d) any security interests
granted in leases which security interests cover the property leased.

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     8. Notices. Any notice or demand required or permitted by or in connection with this
Note shall be made pursuant to the notice provisions set forth in the Merger Agreement.

     9. Amendments. This Note may not be changed orally, but only by an agreement in
writing signed by the party against whom such agreement is sought to be enforced.

     10. Severability. In case any provision (or any part of any provision) contained in
this Note shall for any reason be held to be invalid, illegal, or unenforceable in any respect,
such invalidity, illegality, or unenforceability shall not affect any other provision (or remaining
part of the affected provision) of this Note, but this Note shall be construed as if such invalid,
illegal, or unenforceable provision (or part thereof) had never been contained herein but only to
the extent such provision (or part thereof) is invalid, illegal, or unenforceable.

     11. Maximum Rate of Interest. Anything herein to the contrary notwithstanding, the
obligations of Maker under this Note shall be subject to the limitation that payments of interest
shall not be required to the extent that receipt of any such payment of interest by Payee would be
contrary to provisions of law applicable to the indebtedness evidenced hereby (or applicable to
Maker or Payee) limiting the maximum rate of interest that may be charged or collected by Payee on
this Note or the indebtedness evidenced hereby. Without limiting the generality of the foregoing,
all calculations of the rate of interest contracted for, charged or received under this Note which
are made for the purposes of determining whether such rate of interest exceeds the maximum rate of
interest permitted by applicable law shall be made, to the extent permitted by applicable law, by
amortizing, prorating, allocating and spreading in equal parts during the period of the full stated
term of this Note, all interest at any time contracted for, charged or received in connection with
the indebtedness evidenced by this Note, and then to the extent that any excess remains, all such
excess shall be automatically credited against and in reduction of the principal balance, and any
portion of said excess which exceeds that principal balance shall be paid by Payee to Maker, it
being the intent of the parties hereto that under no circumstances shall Maker be required to pay
any interest in excess of the highest rate permissible under applicable law.

     12. Captions. Section headings and captions in this Note are for convenience only and
shall not affect the construction or interpretation of this Note. Unless otherwise expressly
stated in this Note, references in this Note to Sections shall be read as Sections of this Note.

     13. Assignment. This Note may not be assigned without the prior express written
consent of Maker, which may be withheld by Maker in Maker’s sole discretion.

     14. Successors and Assigns. This Note shall be binding upon Maker and Maker’s heirs,
personal representatives, successors and assigns, and inure to the benefit of Payee and Payee’s
heirs, personal representatives, successors and assigns, subject to the limitations set forth in
Section 13 of this Note.

     15. Governing Law. This Note shall be governed by the laws of the State of Maryland
(excluding Maryland conflicts of laws rules).

- 4 -

 

     16. MUTUAL WAIVER OF JURY TRIAL. MAKER AND PAYEE WAIVE ALL RIGHTS TO TRIAL BY JURY OF
ANY CLAIMS OF ANY KIND ARISING UNDER OR RELATING IN ANY WAY TO THIS NOTE. MAKER AND PAYEE
ACKNOWLEDGE THAT THIS IS A WAIVER OF A LEGAL RIGHT AND REPRESENT TO EACH OTHER THAT THESE WAIVERS
ARE MADE KNOWINGLY AND VOLUNTARILY AFTER CONSULTATION WITH COUNSEL OF THEIR CHOICE. MAKER AND
PAYEE AGREE THAT ALL SUCH CLAIMS SHALL BE TRIED BEFORE A JUDGE OF A COURT HAVING JURISDICTION,
WITHOUT A JURY.

     17. Subordination.

     (a) Notwithstanding anything to the contrary contained herein, this Note and all
obligations hereunder (the “Subordinated Debt”) are and shall be subordinate to all
obligations and indebtedness of Maker to Silicon Valley Bank, for itself and as Agent (the
“Agent”) for any additional Lenders from time to time (the “Senior Lenders”), existing now
or hereafter incurred (the “Senior Debt”). Payee hereby subordinates any security interest
acquired in the assets of Maker to any security interest granted by Maker to the Senior
Lenders.

     (b) Until the Senior Debt is indefeasibly paid in full and the Senior Lenders have
terminated all obligations to lend further amounts to Maker, Payee of this Note shall not:

     i. except as described in clause (c), (d) and (e) below, demand or receive from
Maker (and Maker will not pay) any part of the Subordinated Debt in cash, by
payment, prepayment, or otherwise, or

     ii. prior to the Maturity Date, exercise any remedy or begin or participate in
any action against Maker or any collateral granted by Maker to the Senior Lenders.

     (c) The foregoing notwithstanding, provided that an event of default under the terms of
the Senior Debt has not occurred and is not continuing and would not exist immediately after
such payment, Payee of this Note shall be entitled to receive each regularly scheduled,
non-accelerated payment of non-default interest and/or principal as and when due and payable
in accordance with the terms of the Note as in effect on the date hereof or as modified with
the written consent of the Agent and Maker.

     (d) Maker is not prohibited from repaying in whole or in part any Subordinated Debt by
the issuance of shares of TCS Common Stock in accordance with Section 4.b. of this Note.

     (e) In the event Maker fails for any reason to make payment of this Note on the
Maturity Date, then Payee shall be entitled to exercise all rights and remedies concerning
this Note; provided, however, if the Senior Debt is in default, then Payee’s

- 5 -

 

right to exercise such remedies shall be postponed until the earlier of (i) 90 days
after the Maturity Date or (ii) such default no longer exists.

     (f) Payee shall promptly deliver to Agent in the form received (except for endorsement
or assignment by Payee where required by Agent) for application to the Senior Debt any cash
payment, distribution, security or proceeds received by Payee with respect to the
Subordinated Debt other than in accordance with the foregoing clauses (c), (d) and (e).

     (g) This Section 17 may not be modified in any way without the prior-written
consent of the Agent.

[Signature Page Follows]

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          IN WITNESS WHEREOF, and intending to be legally bound hereby Maker executes this Note as of
the date first written above.

	 	 	 	 	 
	 	TELECOMMUNICATION SYSTEMS, INC.,

a Maryland corporation

 	 
	 	By:  	 	 
	 	 	Name:  	 	 
	 	 	Title:

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