Document:

Exhibit 10.1

 

SYNOVUS FINANCIAL CORP.

EXECUTIVE CASH BONUS PLAN

 

ARTICLE I

 

OBJECTIVE OF THE PLAN

 

The purposes of this Synovus Financial Corp. Executive Cash Bonus Plan (“Plan”) are to reward selected officers of Synovus Financial Corp. (the “Company”) and certain of its subsidiaries (“Subsidiaries”) for superior corporate performance measured by achievement of financial performance and strategic corporate objectives and to attract and retain top quality executives.

 

ARTICLE II

 

PLAN ADMINISTRATION

 

This Plan is administered by the Compensation Committee (the “Committee”) of the Company’s Board of Directors (the “Board”); provided, however, that with respect to matters involving employees of any publicly-traded Subsidiary of the Company, the “Committee” shall be the compensation committee of such publicly-traded Subsidiary.  The Committee (and the compensation committee of any publicly-traded Subsidiary of the Company) shall be composed of two or more outside directors as defined in Section 162(m) of the Internal Revenue Code of 1986, as amended (“Code”).

 

ARTICLE III

 

PARTICIPANTS

 

Participation is limited to the Chief Executive Officer and the four highest compensated officers of the Company and any publicly-traded Subsidiary of the Company as selected from year-to-year by the members of the Committee (“Participants”).

 

ARTICLE IV

 

PERFORMANCE OBJECTIVES

 

	
             
 	
            Each fiscal year, the Committee shall establish
 

 

	
             
 	
            (i)
 	
            performance objectives for such and/or the succeeding fiscal year for the Company, any Subsidiary, or any business segment or business unit of the Company or any Subsidiary, based upon such criteria as may be from 
 

 

 

time to time considered by the Committee, which criteria may include, not to the exclusion of other criteria, criteria that has been approved by the shareholders of the Company or the shareholders of any publicly-traded Subsidiary of the Company; and

 

	
             
 	
            (ii)
 	
            a system which equates the attainment of various performance objectives by the Company and Subsidiaries for such and/or the succeeding fiscal year into various percentages of the base salaries of eligible officers of the Company and Subsidiaries for such and/or the succeeding fiscal year which may be awarded to such Employees who are selected to be Participants in the Plan as bonuses.
 

 

The maximum award under this Plan to any participant for any performance period shall be $2,000,000.

 

ARTICLE V

 

AWARD OF BONUSES

 

As soon as practicable after each fiscal year for which performance objectives have, pursuant to Article IV, been established, the Committee shall determine whether the Company and each Subsidiary attained the previously-established performance objectives.  Assuming such performance objectives shall be attained, the Committee shall determine, in its sole and exclusive discretion, whether any bonuses shall be awarded for such fiscal year.  In determining the amount of bonuses to be awarded under the Plan, the Committee shall have the right to exercise negative discretion or decrease an award otherwise payable to a Participant, but the Committee shall have no discretion to increase the amount of any award under the Plan.  Such bonuses shall be awarded as soon as practicable thereafter and the officers who are determined to be entitled to receive such bonuses shall be promptly notified of the
award thereof.

 

ARTICLE VI

 

DEFERRAL OF BONUSES

 

Any bonus or any portion of any bonus awarded to a Participant may, at the election of such Participant, be deferred pursuant to the provisions of the Synovus Financial Corp./Total System Services, Inc. Deferred Compensation Plan (“Deferred Plan”), as such Deferred Plan may be amended from time to time.  All bonus amounts deferred under the Deferred Plan shall be paid in accordance with the distribution provisions of the Deferred Plan, as such provisions may be amended from time to time.

 

 

2

 

 

ARTICLE VII

 

NO ENTITLEMENT TO BONUS

 

Participants are entitled to a distribution under this Plan only upon the approval of the award by the Committee and no Participant shall be entitled to a bonus under the Plan due to the attainment of performance objectives.  In addition, any Participant not employed by the Company or a Subsidiary on December 31 of any fiscal year will not be entitled to a bonus unless otherwise determined by the Committee.

 

ARTICLE VIII

 

TERMINATION OF PLAN

 

The Company Board of Directors may amend or terminate the Plan at any time and for any reason without prior notice.

 

ARTICLE IX

 

PARTICIPANT’S RIGHT OF ASSIGNABILITY

 

Bonus amounts hereunder shall not be subject to assignment, pledge or other disposition, nor shall such amounts be subject to garnishment, attachment, transfer by operation of law, or any legal process.

 

ARTICLE X

 

GOVERNING LAW

 

The validity, construction, performance and effect of the Plan shall be governed by Georgia law.

 

 

 

3amendment

    FIRST
      AMENDMENT, dated as of April 19, 2006 (this “Amendment”),
      to
      the $400,000,000 FIVE-YEAR REVOLVING CREDIT AGREEMENT, dated as of April 14,
      2005 (as amended, restated, supplemented or otherwise modified from time to
      time, the “Revolving
      Credit Agreement”),
      among
      THE READER’S DIGEST ASSOCIATION, INC., a Delaware corporation (the “Company”),
      the
      BORROWING SUBSIDIARIES party thereto (the “Borrowing
      Subsidiaries”),
      the
      LENDERS party thereto, JPMORGAN CHASE BANK, as administrative agent (in such
      capacity, the “Administrative
      Agent”)
      and
      collateral agent, THE ROYAL BANK OF SCOTLAND PLC, as syndication agent, and
      COMMERZBANK AG, NEW YORK BRANCH, HSBC BANK USA, NATIONAL ASSOCIATION, and
      WACHOVIA BANK, NATIONAL ASSOCIATION, as co-documentation agents.

     

    WITNESSETH:

     

    WHEREAS,
      the Lenders under the Revolving Credit Agreement have agreed to extend credit
      to
      the Borrowers on the terms and subject to the conditions set forth therein;
      and

     

    WHEREAS,
      the Company has requested that the Required Lenders amend certain provisions
      of
      the Revolving Credit Agreement and the Lenders under the Revolving Credit
      Agreement whose signatures appear below, constituting at least the Required
      Lenders, are willing to amend the Revolving Credit Agreement on the terms and
      subject to the conditions set forth herein;

     

    NOW,
      THEREFORE, in consideration of the mutual agreements herein contained and other
      good and valuable consideration, the sufficiency and receipt of which are hereby
      acknowledged, the parties hereto hereby agree as follows:

     

    SECTION
      1.   Defined
      Terms.
      Capitalized terms used but not otherwise defined herein have the meanings
      assigned to them in the Revolving Credit Agreement.

     

    SECTION
      2.   Amendment
      of Section 1.01. (a)
      The
      pricing table in the definition of “Applicable Rate” in Section 1.01 of the
      Revolving Credit Agreement is hereby amended in its entirety to read as
      follows: 

    
      
         

      

      
        -1-

        
          

        

      

      
         

      

    

     

    Pricing
      Table

     

    
      	
              Consolidated
                Leverage Ratio

            	
              Eurodollar
                Spread

            	
              ABR
                Spread

            	
              Commitment
                Fees

            
	
              Level
                1

              ≥3.25

            	
              1.75%

            	
              0.75%

            	
              0.500%

            
	
              Level
                2

              ≥3.0
                and <3.25

            	
              1.50%

            	
              0.50%

            	
              0.375%

            
	
              Level
                3

              ≥2.5
                and <3.0

            	
              1.25%

            	
              0.25%

            	
              0.250%

            
	
              Level
                4

              ≥2.0
                and <2.5

            	
              1.00%

            	
              0.00%

            	
              0.200%

            
	
              Level
                5

              ≥1.5
                and <2.0

            	
              0.75%

            	
              0.00%

            	
              0.175%

            
	
              Level
                6

              <1.5

            	
              0.50%

            	
              0.00%

            	
              0.150%

            

    

    

     

    (b)  The
      last
      sentence of the definition of “Commitment” is hereby amended to read as
      follows:

     

    “The
      initial aggregate amount of the Lenders’ Commitments is
      $500,000,000.”

     

    (c)  The
      following sentence is hereby inserted at the end of the definition of
“Consolidated EBITDA” in Section 1.01 of the Revolving Credit
      Agreement: 

     

    “Solely
      for purposes of determining compliance with the covenants set forth in Sections
      6.08 and 6.09, but not for purposes of the definition of Applicable Rate, if
      any
      Person shall have been acquired or divested by the Company or any Subsidiary
      or
      if the Company or any Subsidiary shall have merged with any Person during such
      period, Consolidated EBITDA shall be determined on a pro forma basis as if
      such
      acquisition, divestiture or merger had occurred at the beginning of such
      period.”

     

    SECTION
      3.   Amendment
      of Section 1.04. The
      following sentence is
      hereby
      inserted at the end of Section 1.04 of the Revolving Credit
      Agreement:

     

    “All
      computations required to be made hereunder on a pro forma basis giving effect
      to
      any acquisition, divestiture, merger or similar event shall reflect on a pro
      forma basis such event and, to the extent applicable and permitted under Article
      11 of Regulation S-X promulgated under the Securities Act of 1933, the
      historical earnings and cash flows associated with the assets acquired or
      disposed of, any related incurrence or reduction of Indebtedness and any
      projected synergies, cost savings and other adjustments or similar benefits
      expected to be realized as a result of such event.”

     

    SECTION
      4.   Amendment
      of Section 2.13(a).
      Section
      2.13(a) of the Revolving Credit Agreement is hereby amended by deleting
“$200,000,000” and inserting in its place “$100,000,000.”

     

    SECTION
      5.   Amendment
      of Section 6.09.
      Section
      6.09 of the Revolving Credit Agreement is hereby amended in its entirety to
      read
      as follows:

    
      
         

      

      
        -2-

        
          

        

      

      
         

      

    

     

    “SECTION
      6.09. Consolidated
      Leverage Ratio.
      The
      Company will not permit the Consolidated Leverage Ratio as of the last day
      of
      any fiscal quarter to be greater than 3.50 to 1.00; provided, however, that
      the
      Consolidated Leverage Ratio as of the last day of the fiscal quarter ending
      on
      September 30, 2006 will not be greater than 3.75 to 1.00.”

     

    SECTION
      6.   Increase
      in Commitments. (a)
      Schedule
      2.01 attached to the Revolving Credit Agreement is hereby deleted and replaced
      with Schedule 2.01 attached hereto.

     

    (b)
        On
      the
      Amendment Effective Date, (i) the aggregate principal amount of the Loans
      (the “Initial
      Loans”)
      outstanding immediately prior to giving effect to the Amendment of Schedule
      2.01
      provided for herein (the “Schedule
      2.01 Amendment”)
      shall
      be deemed to be paid, (ii) each Lender under the Revolving Credit Agreement
      that increases its Commitment pursuant to the Schedule 2.01 Amendment (each,
      an
“Increasing
      Lender”)
      shall
      pay to the Administrative Agent in same day funds an amount equal to the
      difference between (A) the product of (1) such Increasing Lender’s
      Applicable Percentage (calculated after giving effect to the Schedule 2.01
      Amendment), multiplied by (2) the amount of the Subsequent Borrowings (as
      defined below) and (B) the product of (1) such Increasing Lender’s
      Applicable Percentage (calculated without giving effect to the Schedule 2.01
      Amendment), multiplied by (2) the amount of the Initial Loans,
      (iii) each Lender that shall not have been a Lender prior to the Schedule
      2.01 Amendment (each, a “New
      Lender”)
      shall
      pay to the Administrative Agent in same day funds an amount equal to the product
      of (1) such New Lender’s Applicable Percentage (calculated after giving
      effect to the Schedule 2.01 Amendment) multiplied by (2) the amount of the
      Subsequent Borrowings, (iv) after the Administrative Agent receives the
      funds specified in clauses (ii) and (iii) above, the Administrative Agent
      shall pay to each Lender that does not increase its Commitment pursuant to
      the
      Schedule 2.01 Amendment (each, a “Non-Increasing
      Lender”)
      the
      portion of such funds that is equal to the excess of (A) the product of
      (1) such Non-Increasing Lender’s Applicable Percentage (calculated without
      giving effect to the Schedule 2.01 Amendment) multiplied by (2) the amount
      of the Initial Loans, over (B) the product of (1) such Non-Increasing
      Lender’s Applicable Percentage (calculated after giving effect to the Schedule
      2.01 Amendment) multiplied by (2) the amount of the Subsequent Borrowings,
      (v) after the effectiveness of the Schedule 2.01 Amendment, the applicable
      Borrowers shall be deemed to have made new Borrowings (the “Subsequent
      Borrowings”)
      in an
      aggregate principal amount equal to the aggregate principal amount of the
      Initial Loans and of the types and for the Interest Periods specified in a
      Borrowing Request delivered to the Administrative Agent in accordance with
      Section 2.03 of the Revolving Credit Agreement, (vi) each
      Non-Increasing Lender, each Increasing Lender and each New Lender shall be
      deemed to hold its Applicable Percentage of each Subsequent Borrowing (each
      calculated after giving effect to the Schedule 2.01 Amendment) and
      (vii) the applicable Borrowers shall pay each Increasing Lender and each
      Non-Increasing Lender any and all accrued but unpaid interest on the Initial
      Loans. The deemed payments made pursuant to clause (i) above in respect of
      each Eurodollar Loan shall be subject to indemnification by the Borrowers
      pursuant to the provisions of Section 2.17 of the Revolving Credit
      Agreement if the Amendment Effective Date occurs other than on the last day
      of
      the Interest Period relating thereto and breakage costs result.

     

    SECTION
      7.   Representations,
      Warranties and Agreements.
      The
      Company, as to itself and each of its Subsidiaries, hereby represents and
      warrants to and agrees with each Lender and the Administrative Agent
      that:

    
      
         

      

      
        -3-

        
          

        

      

      
         

      

    

     

    (a)
        The
      representations and warranties set forth in Article IV of the Revolving
      Credit Agreement, as amended hereby, are true and correct in all material
      respects on and as of the Amendment Effective Date and after giving effect
      to
      this Amendment, with the same effect as if made on and as of such date, except
      to the extent such representations and warranties expressly relate to an earlier
      date.

     

    (b)
        This
      Amendment has been duly authorized, executed and delivered by the Company and
      each Borrowing Subsidiary. Each of this Amendment and the Revolving Credit
      Agreement as amended hereby constitutes a legal, valid and binding obligation
      of
      the Company and each Borrowing Subsidiary, enforceable against the Company
      and
      each Borrowing Subsidiary in accordance with its terms, except as enforceability
      may be limited by (i) any applicable bankruptcy, insolvency, reorganization,
      moratorium or similar laws affecting the enforcement of creditors’ rights
      generally and (ii) general principles of equity.

     

    (c)
        As
      of the
      Amendment Effective Date, after giving effect to this Amendment, no Default
      or
      Event of Default has occurred and is continuing.

     

    SECTION
      8.   Conditions
      to Effectiveness.
      This
      Amendment shall become effective as of the date that the following conditions
      are satisfied (the “Amendment
      Effective Date”):

     

    (a)
        The
      Administrative Agent shall have received duly executed counterparts hereof
      which, when taken together, bear the authorized signatures of the Company,
      the Borrowing Subsidiaries, the New Lenders and Lenders constituting at least
      the Required Lenders.

     

    (b)
        The
      representations and warranties set forth in Section 7 above shall be true and
      correct in all material respects on the Amendment Effective Date.

     

    (c)
        The
      Borrowers shall be in compliance with all the terms and provisions set forth
      herein on their part to be observed or performed, and at the time of and
      immediately after the Amendment Effective Date, no Event of Default or Default
      shall have occurred and be continuing.

     

    (d)
        The
      Agents shall have received a certificate, signed by a Financial Officer of
      the
      Company, confirming the satisfaction of the conditions set forth in paragraphs
      (b) and (c) above on and as of the Amendment Effective Date, after giving effect
      to this Amendment.

     

    (e)
        The
      Agents shall have received a written opinion of Clifford H. R. DuPree, Associate
      General Counsel of the Company, in form and substance reasonably acceptable
      to
      the Administrative Agent.

    
      
         

      

      
        -4-

        
          

        

      

      
         

      

    

     

    (f)
        The
      Agents shall have received, on behalf of the Lenders (i) a copy of the
      certificate or articles of incorporation or other organizational documents,
      including all amendments thereto, of each of the Loan Parties, certified as
      of a
      recent date by the Secretary of State (or other appropriate governmental
      authority) of the state of its organization; (ii) a certificate as to the good
      standing or subsistence, to the extent available, of each of the Loan Parties
      as
      of a recent date, from the appropriate Secretary of State (or other appropriate
      governmental authority) or other evidence reasonably satisfactory to the Agents
      as to the good standing of such Loan Party; (iii) a certificate of the Secretary
      or Assistant Secretary of each Loan Party dated the Amendment Effective Date
      and
      certifying (A) that attached thereto is a true and complete copy of the by-laws
      or other organizational documents of such Loan Party as in effect on the
      Amendment Effective Date and at all times since a date prior to the date of
      the
      resolutions described in clause (B) below, (B) that attached thereto is a true
      and complete copy of resolutions duly adopted by the Board of Directors (or
      other analogous governing body) and, where applicable, the Executive Committee
      of such Board of Directors of such Loan Party (and, if necessary, resolutions
      duly adopted by the shareholders or other equity owners of such Loan Party)
      authorizing the execution, delivery and performance of this Amendment to which
      such Loan Party is or is to be a party and the Transactions, and that such
      resolutions have not been modified, rescinded or amended and are in full force
      and effect, (C) that the certificate or articles of incorporation or other
      organizational documents of such Loan Party have not been amended since the
      date
      of the last amendment thereto shown on the certificate furnished pursuant to
      clause (i) above, and (D) as to the incumbency and specimen signature of each
      officer executing this Amendment or any other document delivered in connection
      herewith on behalf of such Loan Party; and (iv) a certificate of another officer
      as to the incumbency and specimen signature of the Secretary or Assistant
      Secretary executing the certificate pursuant to clause (iii) above.

     

    (g)
        All
      fees,
      interest and other amounts accrued for the accounts of or owing to the Lenders
      and the Administrative Agent under the Revolving Credit Agreement, whether
      or
      not due and payable as of the Amendment Effective Date, and all fees payable
      in
      connection with this Amendment shall have been paid or shall simultaneously
      be
      paid in full.

     

    (h)
        All
      adjustments required pursuant to Section 6(b) above to ensure that as of the
      Amendment Effective Date each Lender’s Revolving Credit Exposure shall not
      exceed such Lender’s Applicable Percentage of the aggregate Revolving Credit
      Exposures (in each case calculated after giving effect to the Schedule 2.01
      Amendment) shall have been made.

     

    Notwithstanding
      the foregoing, this Amendment shall not become effective and the amendments
      and
      transactions provided for herein shall not occur unless each of the foregoing
      conditions is satisfied (or waived pursuant to Section 10.02 of the Revolving
      Credit Agreement) at or prior to 5:00 p.m., New York City time, on April 28,
      2006 (and, in the event such conditions are not so satisfied or waived, the
      obligations of the Lenders to complete the transactions provided for herein
      shall terminate at such time). The Administrative Agent shall notify the Company
      and the Lenders of the Amendment Effective Date, and such notice shall be
      conclusive and binding.

     

    SECTION
      9.   Revolving
      Credit Agreement; New Lenders. (a)
      Except
      as
      specifically stated herein, the Revolving Credit Agreement shall continue in
      full force and effect in accordance with the provisions thereof. As used
      therein, the terms “Agreement”, “herein”, “hereunder”, “hereto”, “hereof” and
      words of similar import shall, unless the context otherwise requires, refer
      to
      the Revolving Credit Agreement as modified hereby.

    
      
         

      

      
        -5-

        
          

        

      

      
         

      

    

     

    (b)
        For
      the
      avoidance of doubt, by signing this Amendment each party hereto agrees that
      the
      new Lenders will become Lenders under the Revolving Credit Agreement with
      Commitments as set forth in Schedule 2.01 attached hereto.

     

    SECTION
      10.   Applicable
      Law.
      THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS
      OF
      THE STATE OF NEW YORK.

     

    SECTION
      11.   Counterparts.
      This
      Amendment may be executed in counterparts (and by different parties hereto
      on
      different counterparts), each of which shall constitute an original but all
      of
      which, when taken together, shall constitute a single instrument. Delivery
      of an
      executed counterpart of a signature page of this Amendment by telecopy shall
      be
      effective as delivery of a manually executed counterpart hereof.

     

    SECTION
      12.   Expenses.
      The
      Company agrees to reimburse the Administrative Agent for its reasonable
      out-of-pocket expenses in connection with this Amendment, including the
      reasonable fees, charges and disbursements of Cravath, Swaine & Moore LLP,
      counsel for the Administrative Agent.

     

    
      
        [[NYCORP:2591717v9:4438D:04/17/06--02:41
          p]]

         

      

      
        -6-

        
          

        

      

      
         

        3

      

    

    IN
      WITNESS WHEREOF, the parties hereto have caused this First Amendment to be
      duly
      executed by their respective authorized officers as of the date first above
      written.

     

    
      	
              THE
                READER’S DIGEST ASSOCIATION, INC.,

               

            
	
              by:

            
	 	 
	 	
              Name:

              Title:

            

    

    

    
      	
              BOOKS
                ARE FUN, LTD.,

               

            
	
              by:

            
	 	 
	 	
              Name:

              Title:

            

    

    

    
      	
              QSP,
                INC.,

               

            
	
              by:

            
	 	 
	 	
              Name:

              Title:

            

    

    

    
      	
              REIMAN
                MEDIA GROUP, INC.,

               

            
	
              by:

            
	 	 
	 	
              Name:

              Title:

            

    

    

    
      	
              JPMORGAN
                CHASE BANK, N.A., individually and as Administrative Agent and Collateral
                Agent,

               

            
	
              by:

            
	 	 
	 	
              Name:

              Title:

            

    

    

    
      
        
          

          [[NYCORP:2591717v9:4438D:04/17/06--02:41
            p]]

        

         

      

      
        -7-

        
          

        

      

      
         

        
          3

        

      

    

    To
      approve the First Amendment to the Revolving Credit Agreement:

     

    Name
      of
      Institution:  

     

    
      	
              by:

            
	 	 
	 	
              Name:

              Title:

            

    

    

     

    

     

    STATUS
      (check which is applicable) 

    

    
      	 	
              New
                Lender (if not a Lender under the existing Revolving Credit
                Agreement)

            
	 	 
	 	
              Existing
                Lender (if a current Lender under the existing Revolving Credit
                Agreement)

            

    

    

     

    

     

    

     

    
      
        
          

          [[NYCORP:2591717v9:4438D:04/17/06--02:41
            p]]

        

         

      

      
        -8-

        
          

        

      

      
         

        
          3

        

      

    

    Schedule
      2.01

    

    COMMITMENTS

    

    

    

    
      	
              Lender

            	
              Existing
                Commitment

            	
              Increase/

              New
                Commitment

            	
              Final
                Commitment

            
	
              JPMorgan
                Chase Bank, N.A.

            	
              $50,000,000

            	
              $15,000,000

            	
              $65,000,000

            
	
              The
                Royal Bank of Scotland plc

            	
              $72,500,000

            	
              $2,500,000

            	
              $75,000,000

            
	
              Commerzbank
                Aktiengesellschaft

            	
              $50,000,000

            	
              $12,500,000

            	
              $62,500,000

            
	
              Wachovia
                Bank, N.A.

            	
              $50,000,000

            	
              $12,500,000

            	
              $62,500,000

            
	
              HSBC
                Bank USA National Association

            	
              $35,000,000

            	
              $15,000,000

            	
              $50,000,000

            
	
              National
                Australia Bank Limited

            	
              $25,000,000

            	
              $10,000,000

            	
              $35,000,000

            
	
              The
                Northern Trust Company

            	
              $25,000,000

            	
              $10,000,000

            	
              $35,000,000

            
	
              Bank
                of America, N.A.

            	
              $25,000,000

            	
              $5,000,000

            	
              $30,000,000

            
	
              ABN
                AMRO Bank, N.V.

            	
              $25,000,000

            	
              --

            	
              $25,000,000

            
	
              Goldman
                Sachs Credit Partners, L.P.

            	
              $12,500,000

            	
              $7,500,000

            	
              $20,000,000

            
	
              Mizuho
                Corporate Bank, Ltd.

            	
              $20,000,000

            	
              --

            	
              $20,000,000

            
	
              Toronto
                Dominion (Texas) LLC

            	
              --

            	
              $10,000,000

            	
              $10,000,000

            
	
              Citibank
                FSB

            	
              $5,000,000

            	
              --

            	
              $5,000,000

            
	
              Loan
                Funding XIII LLC

            	
              $5,000,000

            	
              --

            	
              $5,000,000

            
	 	 	 	 
	
              Total:

            	
              $400,000,000

            	
              $100,000,000

            	
              $500,000,000

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