Document:

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                                                                    Exhibit 10.3
                                                                    ------------

             Amendment to Employment Agreement Dated April 1, 1999
            By and Between Premier National Bank and Paul A. Maisch
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The parties to the above Employment Agreement hereby agree to the following
amendment:

Paragraph 6, Clause (d) "Benefits in the Event of a Termination Without Cause or
                         -------------------------------------------------------
a Termination for Good Reason" shall be amended such that the second paragraph
-----------------------------
thereof shall now read:

     If a Termination Without Cause or a Termination for Good Reason occurs
during the CIC Coverage Period, the Executive shall be entitled to an
undiscounted lump sum payment equal to the product of (A) the Executive's Annual
Base Salary as in effect on the effective date of such termination (without
giving effect to any reduction in Annual Base Salary described in Section
6(c)(i) hereof) and (B) two and one-half (2 1/2) years.

IN WITNESS WHEREOF, the parties have executed and entered into this Amendment
this lst day of April , 2000.
     ---        ----

                                    PREMIER NATIONAL BANK

                                    By:   /s/ T. J. Cunningham
                                        ------------------------
                                    Name:  T. J. Cunningham
                                    Title: Chairman & CEO

                                           /s/Paul A. Maisch
                                        -------------------------
                                    Executive:  Paul A. MaischAGREEMENT made as of the 1st day of June, 1999 between Western
Environmental, Inc., a Florida Corporation, with principal offices at 9550
Regency Square Blvd., Suite 1109, Jacksonville, Florida 32225 (hereinafter
referred to as the "Company"); and Michael E Ricks, residing at 6249 Lake Drive,
Starke, Fl 32091 (hereinafter referred to as the "Employee").

                              W I T N E S S E T H:

WHEREAS, the Employee shall be employed by the Company as Chief Executive
Officer and

       WHEREAS, the Employee has the requisite experience, background and skill
and is willing to formalize his relationship with the Company on the terms and
subject to the conditions herein contained.

       NOW, THEREFORE, in consideration of the premises and mutual convenants
herein contained, the parties hereby agrees as follows:

       1. RECITALS CONFIRMED. All of the recitals hereinabove stated are
confirmed by all of the parties hereto as being in all respects true and correct
and the same are hereby incorporated herein by reference into this agreement
(the "Agreement" ).

       2. EMPLOYMENT. The Company hereby confirms its employment of the Employee
and the Employee hereby confirms his employment by the Company as the Chief
Executive Officer of the company. The Employee shall, in the performance of his
duties, be at all times subject to the direction, supervision and authority of
the Company's Board of Directors and the Executive Committee.

       3. NO BREACH OF OBLIGATION. The Employee represents and warrants to the
Company that he has the requisite skill and experience and is ready, willing and
able to perform those duties attendant to the position for which he is hired or
which may be assigned to him; and that his entry into this Agreement with the
Company does not constitute a breach of any prior agreement between the Employee
and any person, firm or corporation contain any restriction or

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impediment to the ability of the Employee to perform those duties for which he
was hired or which may be assigned to or reasonably expected of him. The Company
acknowledges that the employee has other business interest.

     4. SERVICES. During the full term of this Agreement, the Employee shall
perform to the best of his ability the following services and duties, in such
manner and at such time as the Company may direct; the following being included
by way of example and not by way of limitation:

          (a) The Employee shall, together and in connection with the other
     executive officers of the Company, supervise and direct all administrative
     aspects of and share responsibility for the conduct and supervision of all
     administrative areas of the Company's operation;

          (b) The Employee shall aid and assist the administration of the
     Company's sales, marketing programs and other similar and related aspects
     of the Company's operations;

          (c) The Employee shall promote the Company's relations with its
     clients, employees, potential clients and others;

          (d) The Employee shall consult with and advise the other officers and
     employees of the Company, either orally, or, at the request of the company,
     in writing, with respect such matters as the Board of Directors shall be
     requested from time to time, relating to the management and operation of
     the Company, sales, marketing and the institution of programs and systems
     designed to increase the efficiency of the Company's business and overall
     management and operation of the Company.

     5. EXCLUSIVITY. The Employee agrees that during the term of this Agreement
he will impart and devote substantially all of his time, energy, skill and
attention to the performance of his duties hereunder. This paragraph shall not
exclude the Employee from serving as an

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executive officer and/or serving on the Board of Directors of another company
or companies not engaged in similar business ventures not in direct competition
with the company or subsidiaries if such investments shall be of a passive
nature or shall be in securities of a publicly owned entity.

     6. PLACE OF PERFORMANCE. The Employee agrees to perform his duties
hereunder at the offices of the Company, in Jacksonville and Starke, Florida,
and agrees, to the extent that it shall be determined necessary and advisable in
the sole discretion of the Company's Board of Directors to travel to any place
in the United States or to any foreign country where his presence is or may
reasonably be temporarily required for the performance of his duties hereunder.

     7. COMPENSATION. The Company hereby agrees to compensate the Employee and
the Employee hereby accepts for the performance of the services by the Employee
and duties required by the Employee under Paragraph 3 hereof and his other
obligations hereunder as follows:

     (a) Salary. Subject to review and upward adjustment from time to time by
the Board of Directors, the Company shall pay to the Employee an annual salary
of eighty-seven thousand five hundred dollars ($87,500) during the first year of
the term of this Agreement. During the second and the third year, the Employee's
salary will increase to one hundred and twenty five thousand and one hundred
thirty seven thousand five hundred respectively. Such salary shall be payable
monthly in accordance with the regular payroll practice of the company;

     (b) Bonus. The Employee shall be entitled to participation in a bonus or
other incentive compensation, profit sharing or retirement plan that the Company
shall institute or make generally available to its executives;

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     (c) Expenses, Accommodations, Insurance, and Medical Benefits. The Company
shall pay to the Employee and/or furnish the Employee with the expenses,
accommodations, insurance and medical benefits referenced in Paragraph 10 of
this Agreement; and

     (d) Vacation and Automobile. The Employee shall be entitled to the use of
an automobile and vacations as provided in Paragraph 11 of this Agreement;

     (e) Severance. The Company shall pay the Employee the severance
compensation enumerated in Paragraph 15 (c) of this Agreement

     8. REPRESENTATION AND WARRANTIES OF THE EMPLOYEE. By virtue of his
execution hereof, and in order to induce the Company to enter into this
Agreement, The Employee hereby represents and warrants as follows:

     (a) The Employee is not presently actively engaged in any business,
employment or venture which is or may be in conflict with the business of the
Company;

     (b) The Employee has full power and authority to enter in this Agreement,
to enter into the employ of the Company and to otherwise perform this Agreement
in the time and manner contemplated; and

     (c) The Employee's compliance with the terms and conditions of this
Agreement in the time and manner contemplated herein will not conflict with any
instrument or agreement pertaining to the transaction contemplated herein, and
will not conflict in, result in a breach of, or constitute a default under any
instrument to which he is a party.

     9. REPRESENTATION AND WARRANTIES OF THE COMPANY. By virtue of the execution
of this Agreement, the Company hereby represents and warrants to the Employee as
follows:

     (a) the Company has full power, right and authority to execute and perform
this Agreement in the time and manner contemplated; and

     (b) The execution and performance of this Agreement will not result in a
breach of

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 or violate the provisions of any contract or agreement to which the
Company is a party.

     10. EXPENSES, ACCOMMODATIONS, INSURANCE, MEDICAL BENEFITS, AND ETC.

     (a) The Company and the Employee hereby agree and consent that during the
term of this Agreement, the Company shall furnish the Employee memberships as
shall be suitable to the character of his position and adequate for and
reasonably designed to enhance the performance of his duties. The Company and
the Employee further agree that the Employee shall receive reimbursement, for
all expenses incurred by the Employee in connection with the performance of his
duties hereunder subject to compliance with the Company's procedures; and the
Company shall pay to the Employee directly or reimburse the Employee for all
other reasonable, necessary and proven expenses and disbursements incurred by
the Employee for and on behalf of the Company in the performance of the
Employee's duties during the term of this Agreement.

     (b) The Employee agrees and consents to being the subject of such policy or
policies of disability income and/or key man insurance as the Company shall, in
its sole discretion, elect to carry on Employee's life. The Company shall be the
owner and beneficiary of any such policy and/or policies and shall pay premiums
thereon; and the Employee agrees and consents to such arrangement.
Notwithstanding the foregoing, and so long as adequate and customary
arrangements are made with respect thereto, the Employee's spouse and/or
children may be named co-beneficiaries on such split-dollar insurance policies
or policies as the Employee reasonably desires. The Company shall have the right
and option of selecting the carrier(s) of such insurance and the form thereof
(i.e. whole life, term, etc.). Upon the termination of the Employee's employment
for any reason provided in this Agreement, he shall have the right to purchase
any and all policies owned by the Company on his life, subject to the terms of
this Agreement, upon paying the Company within (30) days of such termination an
amount equal to

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cash value, including the cash value of dividend additions or deposits, if any,
of such policy as of the date such right is exercised, less the amount of any
policy loan with accrued interest. The Company, upon such payment, shall execute
the instruments necessary to transfer such policies to the Employee.

     11. VACATIONS AND AUTOMOBILE. During the term of this Agreement, the
Employee shall receive four (4) weeks of vacation per year at such time as he
shall elect. The Employee hereby agrees to utilize his best efforts to take his
vacation time in non-consecutive weeks, The Employee shall be entitled to
accumulate any unused vacation time from year to year during of the term of this
Agreement; and upon termination shall be paid the full value thereof at the
salary rate in effect on the date of termination. The Employee shall be Entitled
to the use of an automobile and all expense necessary to operate and maintain
such auto.

     12. PROPRIETARY RIGHTS. The Employee shall at no time before or after the
termination of his employment hereunder use or divulge or make known to anyone
without the express written consent of the Board of Directors of the Company
(except to those duly authorized by Company to have access thereof) any
marketing systems, programs or methods, customer or client lists, computer
programs, configurations, systems or procedures, ideas, formulae, inventions,
discoveries, improvements, secrets, processes or technical or other information
of the Company or any accounts, customer or client lists, transactions of
business affairs of the Company. All ideas, marketing systems, computer
programs, configurations, systems or procedures, programs or methods, formulae,
inventions, discoveries, improvements, secrets or processes whether or not
patentable or copyrightable, made or developed by the Employee during the term
of this Agreement or within one year after its expiration or termination and
relating to the business of the Company shall be the exclusive property of the
Company, whether or not any claim of the Employee to compensation under
Paragraph 7 hereof have been

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or will be satisfied, and the Employee agrees to provide the Company at its
request and expense such instruments and evidence as it may reasonably request
to perfect, enforce and maintain the Company's rights to such property. At the
conclusion of his employment by the Company, the Employee shall forthwith
surrender to the Company all letters, brochures, agreements and documents of
every character relating to the business affairs and properties of the Company
and then in his possession and shall not, without the company's prior written
consent, retain or disclose any copies thereof.

     13. DISABILITY. If during the term of this Agreement and in the opinion of
the Board of Directors of the Company as confirmed by competent medical
evidence, the Employee shall become physically or mentally incapacitated to
perform his duties for the company hereunder for a continuous period then the
following shall apply: (a) for the first year of such disability the Employee
shall receive his full salary; (b) for the second and third year of the
Employee's disability the Employee shall receive fifty (50%) percent of his full
salary; (but in no event beyond the termination date of this agreement), the
Employee shall receive Fifty (50) percent of his full salary. Upon the
Employee's resumption of full employment, he shall commence again to receive his
full salary. The Employee hereby agrees to submit himself for appropriate
medical examination by his personal physician as necessary to implement and give
effect to the purposes of this paragraph 13. In event of termination as provided
herein, the full term compensation provisions of paragraph 8 shall apply.

     14. COMPETITION. During the three (3) year term of this agreement, or upon
the termination of his employment, whichever event shall occur later and for a
period of twenty-four (24) consecutive months thereafter, the Employee shall
not, without the prior express written consent of the Company, engage (either as
an employee, consultant, agent proprietor, officer, director, partner, or
stockholder, of any corporation, firm or business) in any business

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which is in direct competition of threatening to be in competition with the
Company within any other state or other jurisdiction in which the Company is
engaged in such operations.

       The Employee further convenants that during the stated term of this
Agreement and for the twenty-four (24) month period thereafter, he will not
solicit any clients or customers, known by him to be clients or customers of the
Company, for competitive employment by the Company without cause or a
termination of the employment by the Employee because of breach of agreement by
the Company.

     15. TERM AND TERMINATION. This Agreement shall be deemed to be effective as
of the date of its execution and shall continue in full force and effect until
the last day of the month after the third (3rd) anniversary thereof unless
sooner terminated as hereinafter set forth:

        (a) TERMINATION BY THE COMPANY FOR CAUSE.

          (1) The Company may terminate the Employee's employment for cause (as
     defined in sub-paragraph (b) below) upon compliance with the provisions of
     sub-paragraph (c). Upon such termination, the Company shall have no further
     obligations to the Employee, except for the compensation or other benefits
     due for a period prior to the date of Termination.

          (2) "Cause" shall mean: (I) the Employee's willful and continued
     failure to perform any of his duties with the Company (other than as a
     result of the Employee's incapacity due to illness or injury, as defined in
     paragraph 13 after a demand for performance is delivered to the Employee by
     the board of Directors (by a duly adopted resolution), which specifically
     identified the manner in which the Board of Directors believes that the
     Employee has not performed any of his duties; or (ii) the Employee's
     willful engaging in misconduct which is materially injurious to the
     Company, monetarily or otherwise. For purposes of this sub- paragraph (b),
     no act or failure to act on the Employees part shall be considered
     "willful" unless the act of failure to act by the Employee is done in bad
     faith and with absolute certainty that such

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action or omission was not in or opposed to the best interest of the Company,
and any failure by the Employee to perform any of the Employee duties set forth
herein shall be conclusively deemed not to be a willful failure to perform where
the failure results from the Employee's illness or injury as set forth in a
written opinion of the Employee's personal physician.

          (3) Termination for Cause shall be effected only if: (I) the Company
     has delivered to the Employee a copy of a Notice of Termination which
     complies with Paragraph 16 hereof and which gives the Employee, at least
     thirty (30) business days' prior notice, the opportunity, together with the
     Employee's counsel, to be heard before the Board of Directors and (ii) the
     Board of Directors (after such notice and opportunity to be heard), adopts
     a resolution concurred in but not less that two-thirds of all of the
     directors of the Company then in office, including at least two-thirds of
     all the directors who are not officers of the Company, that in the good
     faith opinion of the Board of Directors, the Employee was guilty of conduct
     set forth above in clause (I) and (ii) of the first sentence of
     subparagraph (b), and specifying the particulars thereof in detail.

          (b) TERMINATION BY THE EMPLOYEE FOR GOOD REASON.

          (1) The Employee may terminate his employment for Good Reason (as
     defined in subparagraph (b) below) by giving the Company a Notice of
     Termination which complies with Paragraph 16 hereof. Upon such termination
     the Employee shall have the rights described in sub-paragraph (c) hereof.

          (2) "Good Reason": shall mean: (i) the Employee being removed, or not
     being re-elected, as a director, or as a top Executive as described in
     employment by the Company for Cause or Disability or by the Employee
     without Good Reason; (ii) the assignment to the Employee, without his
     express written consent, of any duties other than those permitted by
     Paragraph 4; (iii) the Company's requiring the Employee to maintain his
     principal office or

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conduct his principal activities anywhere other than at the Company's principal
executive offices, (iv) the failure of the Company to obtain the assumption and
agreement to perform this Agreement by any successor as contemplated in
Paragraph 8 hereof; (v) repudiation by the Company of any material obligation of
the Company under Paragraph 7 hereof; or (vi) the delivery of a Notice of
Termination by the Company pursuant to paragraph 16(a)(3), above (except that
the delivery of such Notice shall be retroactively deemed not to constitute Good
Reason within sixty (60) days after the Board of Directors shall make the
determination described in paragraph 16(a)(3) (after the opportunity to be heard
provided for therein) and such determination is not thereafter reversed by an
arbitration decision or final judgment of a court of competent jurisdiction.

     (c) TERMINATION BY CHANGE OR CONTROL. In the event the Company experiences
a Change of Control as hereinafter defined, the Employee shall have the right
and option, in his sole unfettered discretion, to declare this Agreement
breached by the Company. Upon the occurrence of such a course of action, the
Employee shall be entitled to receive all of the compensation and remuneration
provided in Subparagraph (c) of this Paragraph.

      16.

     (1) CHANGE IN CONTROL. For purposes of this Agreement a Change in Control
will be deemed to have occurred

     (a) if following (I) a tender or exchange offer for voting securities of
the Company, (ii) a proxy contest for the election of directors of the Company
or (iii) a merger or consolidation or sale of all or substantially all of the
business or assets of the Company, the directors of the Company immediately
prior to the initiation of such event cease to constitute a majority of the
board of directors of the Company upon the occurrence of such event or within
one year after such event, or

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     (b) if any "person" or "group" (as defined under the beneficial ownership
rules of Sections 13(d)(3) and 14(d)(2) of the Securities Exchange Act of 1934
and Rule 13d3 thereunder) acquires ownership or control, or power to control,
twenty-five percent (25%) or more of the outstanding voting securities of the
Company without prior approval or ratification by a majority of the Company's
directors in office at the time of such event.

     (d) THE EMPLOYEES RIGHTS UPON CERTAIN TERMINATION. If the Company
terminates the Employee's employment hereunder, otherwise than for cause
pursuant to Paragraph 15(a) or for Disability pursuant to Paragraph 1, or if the
Employee terminates his employment for Good Reason pursuant to paragraph 15(b)
or pursuant to Paragraph 15(c):

     (1) The Company shall continue to pay to the Employee his full base
compensation, at the rate in effect on the Date of Termination, for the period
(the "Post Termination Period") from the Date of Termination until June, 2002,
the expiration date of this agreement. Notwithstanding anything to the contrary
which may be contained herein, if the Employee shall have died prior to June,
2002, then, in such event, such payment of the Employee's full base compensation
pursuant to this paragraph 16 shall continue to be made to the Employee's estate
until June, 2002.

     (2) The Employee shall be entitled to the full amount which would have been
due him under any bonus or profit sharing plan, or similar arrangement, in which
he was participating prior to the Date of Termination, for the full three (3)
year term of this Agreement, without any proration or reduction because of the
Employees not being employed during the full term;

     (3) The Employee shall also be entitled to the full amount of any
contingent compensation or benefit which would have become vested had his
employment

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continued throughout the Post-Termination Period:

     (4) The Company shall also pay to the Employee an amount equal to all legal
fees and expenses incurred by the Employee as a result of such termination
(including) all fees and expenses, if any, incurred in contesting or disputing
any such termination or in seeking to obtain or enforce or retain any right or
benefit provided by this agreement);

     (5) The Company shall maintain full force and effect, for the Employee;
continued benefit throughout the Post-Termination Period, all life and health
insurance and other benefit plans in which the Employee was entitled to
participate immediately prior to the Date of Termination, provided that the
Employee continued participation is possible under the general terms and
conditions of such plans. If the Employee's participation in any such plan is
barred for any reason whatsoever, the Company shall arrange to provide the
Employee with benefits substantially similar to those which he is entitled to
receive under such plan;

     (6) The Employee shall not be required to mitigate the amount of any
payment provided for in this Paragraph 15 be reduced by any compensation earned
by the Employee in any manner after the Date of Termination.

     16. NOTICE OF TERMINATION. Any purported termination of the Employee's
employment shall be communicated by written Notice of Termination from one party
to the other party hereto. For purposes of this Agreement, a "Notice of
Termination" shall mean a notice which shall indicate the specific termination
provision in this Agreement relied upon and shall set forth in specific detail
the facts and circumstances claimed to provide a basis for termination of the
Employee's employment under the provision so indicated. No purported termination
by the Company of the Employee's employment under the provision so indicated. No
purported termination by the Company if the Employee's employment shall be
effective if it is not affected

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pursuant to a Notice of Termination satisfying the requirements of this
paragraph 16.

     17. DATE OF TERMINATION. "Date of Termination" shall mean the date on which
Notice of Termination is given.

     18. SUCCESSORS; BINDING AGREEMENT.

     (a) The Company shall require any purchased of all or substantially all of
the business of the Company, by agreement or form and substance satisfactory to
the Employee, to assume and agree to perform this Agreement in the same manner
and to the same extent that the Company would be required to perform if no such
purchase had taken place. If no agreement the full amount will become due and
payable. As used in this agreement, "Company" shall mean the Company as
hereinabove defined, and any successor to the Company's business or assets which
executes and delivers this Agreement provided for in the Paragraph 18(a) or
which otherwise becomes bound by all the terms and provisions of this Agreement
by operation of law.

     (b) This Agreement shall inure to the benefit of and to be enforceable by
the Employee's personal and legal representative, executors, administrators,
successors, heirs, distributees, devisees and legatees. If the Employee had
continued to live, all such amounts, unless otherwise provided herein, shall be
paid in accordance with the terms of this Agreement to the Employee's devisee,
legatee or other designee or, if there be no such designee, to his estate.

     19. ARBITRATION. The Employee shall have the right to submit any
determination by the Board of Directors terminating his employment for Cause, or
any other dispute hereunder, to arbitration by a single arbitrator in
Jacksonville, Florida under the laws of the American Arbitration Association.
Any award in such arbitration may be enforced in any court of competent
jurisdiction.

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     20. ENTIRE AGREEMENT. This Agreement sets forth the entire understanding of
the parties with respect to the subject matter thereof, shall supersede any
prior agreements and understandings between the parties with respect to such
subject matter, and no statement, representation, warranty or covenant has been
made by either party except as expressly set forth herein.

     21. MODIFICATION. This Agreement shall not be changed or terminated orally.
All of the terms and provisions of this Agreement shall be binding upon and
inure to the benefit of and be enforceable by the respective heirs and personal
representatives of the Employee and the successors and assigns of the Company.

     22. LAWS OF THE STATE OF FLORIDA. This Agreement is being delivered in the
state of Florida and shall be construed and enforced in accordance with the laws
of the State of Florida, irrespective of the state of incorporation of the
Company or the place domicile or residence of the Employee. In the event of a
controversy arising out of the interpretation, construction, performance or
breach of this Agreement, the parties hereby agree and consent to the
jurisdiction and venue of the Circuit Court of the State of Florida, Duval
County and/or the United Stated District Court for the Northern District of
Florida and further agree and consent that personal service or process in any
such action or proceeding outside of the County of Duval shall be tantamount to
service in person within the County of Duval and Shall confer personal
jurisdiction upon either of said courts.

     23. NOTICES. Any notice to be given by any party hereunder to any other
shall be in writing, mailed by certified or registered mail, return receipt
requested, shall be addressed to the other at his address as hereinbefore stated
or to such other address as may have been furnished by any party to the other in
writing, and shall be deemed to be given on the date of mailing thereof in
accordance with the foregoing.

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     24. ADDITIONAL INSTRUMENTS. Each of the parties shall from time to time, at
the request of the others, execute, acknowledge and deliver to the other party
any and all further instruments that may be reasonably required to give full
effect and force to the provisions of this Agreement.

     25. ORIGINALS. This Agreement may be executed in counterparts each of which
so executed shall be deemed an original and constitute one and the same
agreement.

     26. ADDRESS OF PARTIES. Each party shall at all time keep the other
informed of its principal place of business or residence if different from that
stated herein, and shall promptly notify the other of any change, giving the of
the new principal place of business or residence.

     27. MODIFICATION AND WAIVER. A modification or waiver of any of the
provisions of this Agreement shall be effective only if made in writing and
executed with the same formality as this Agreement. The failure of any party to
insist upon strict performance of any of the provisions of this Agreement shall
not be constructed as a waiver of any subsequent default of the same or similar
nature or of any other nature or kind.

     28. REMEDIES ON BREACH. The Employee hereby agrees that it may not be
possible for the Company to be adequately compensated in damages for any breach
by the Employee of any of the representations, warranties, terms or any
conditions contained in this Agreement and accordingly the Employee hereby
agrees and consents that in the event of any such breach, the Company, in
addition to any other remedies it may have, shall be entitled to injunction or
other equitable relief restraining such breach.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the day
and year first above written.

                                          BY: /s/ MICHAEL E. RICKS
                                              ------------------------------
                                                  Michael E. Ricks, Employee

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