Document:

bgcp-ex101_19.htm

EXHIBIT 10.1

 

 

THIS DEED OF AMENDMENT is made the 14th day of August 2020

 

 

BETWEEN:

	
(1)
	
BGC SERVICES (HOLDINGS) LLP (the “Partnership”), of Five Churchill Place, Canary Wharf, London E14 5RD; and

	
(2)
	
SHAUN LYNN (the “Individual Member”).

With effect from the date hereof the Deed made between the Individual Member and BGC Services (Holdings) LLP dated 14 December 2016 (the “Deed”) shall be varied and amended as follows: 

SCHEDULE 1: INDIVIDUAL MEMBER’S TERMS AND CONDITIONS

	
1.
	
ROLE:

With effect from 1 October 2020 the reference to “Role: President” is hereby deleted in its entirety.

	
2.
	
DUTIES: 

The provision relating to “Duties” is hereby deleted in its entirety and replaced with the following:

“DUTIES: The Individual Member shall be involved in the Business of the Partnership and oversee the businesses of any of its Affiliates, both as are assigned to the Individual Member by the Chairman (as defined below) in his sole and both absolute discretion from time to time and shall include/exclude such further business(es) and/or personnel to conduct such business as the Chairman shall determine and assign to the Individual Member from time to time in his sole and absolute discretion but consistent with the business of the Partnership and/or any Affiliate at the time.  For the avoidance of doubt, as of 1 October 2020, the Individual Member shall no longer be responsible for the day to day operations of the brokerage business of BGC Partners, Inc. (“BGCP”) (as opposed to strategic initiatives and corporate development).”

	
3.
	
WORKING REQUIREMENTS:

Clause 2.3 is hereby deleted in its entirety and replaced with the following:

	
 
	
“2.3
	
The Individual Member shall hold the position of President of BGCP until 30 September 2020 and thereafter will hold the position of Vice Chairman of BGCP or work in such other capacity as the Partnership or the Chairman may reasonably require.  The Individual Member shall report directly to the Chairman.  For the purposes of this clause 2.3, “Chairman” shall mean the Chairman and/or Chief Executive Officer of BGCP.”

 

 

	
4.
	
PROFIT ALLOCATION AND ADVANCE DRAWINGS:

Profit Allocation

With effect from 1 October 2020 the words “300% of annualised Allocated Monthly Advance Drawings” in clause 3.3 shall be replaced with the words “100% of annualised Allocated Monthly Advance Drawings” and clause 3.3 shall hereby be amended and construed accordingly save excepted that for the 2020 calendar year only in which the Individual Member’s role changes from President of BGCP to Vice Chairman of BGCP (“the Change Year”), the Individual Member shall be entitled to receive a target allocation of profit in the amount of 300% of annualised Allocated Monthly Advance Drawings on a pro-rata basis to the number of complete months of the Change Year in which he held the role of President of BGCP (9 months).

Subject to the terms of the Deed, the total target profit allocation for the Change Year shall therefore comprise the sum of: 

(i) 9/12 x US$3m = US$2,250,000 (the “Pre-Change Allocation”) and 

(ii) 3/12 x US$1m = US$250,000 (the “Post-Change Allocation”)

Total target profit allocation = $2,500,000 (the “2020 Target Allocation”)

The Individual Member acknowledges and agrees that, notwithstanding any other provision of the Deed: (a) the first US$750,000 of the Pre-Change Allocation shall be paid in cash with the remaining portion of US$1,500,000 payable as a contingent non-cash grant subject to such terms relating to non-cash grants as set out at clause 3.5 of the Deed; and (b) the first US$125,000 of the Post-Change Allocation shall be paid in cash with the remaining portion of US$125,000 payable as a contingent non-cash grant subject to such terms relating to non-cash grants as set out at clause 3.5 of the Deed, resulting in, in aggregate, US$875,000 of the 2020 Target Allocation being paid in cash and US$1,625,000 payable as a contingent non-cash grant subject to such terms relating to non-cash grants as set out at clause 3.5 of the Deed.

With effect from 1 October 2020, with respect to clause 3.5 of the Deed, the words “the first US$1,000,000” shall be replaced by “the first US$500,000” and clause 3.5 is hereby deemed amended accordingly.

Notwithstanding any other provision of the Deed but without prejudice to clause 4, where the Individual Member’s membership in the Partnership terminates during a calendar year (the “Leave Year”), the Individual Member’s profit allocation pursuant to clause 3.3 for that year will be adjusted on a pro-rata basis with reference to the number of complete months of the Leave Year in which the Individual Member remained a member of the Partnership.  For the avoidance of doubt, the Individual Member’s pro-rata profit allocation for the Leave Year pursuant to clause 3.3 shall be paid in such cash/non-cash grant portions to ensure that the Individual Member’s total profit allocation for the Leave Year (inclusive of both the pro-rated Allocated Monthly Advance Drawings and pro-rated target profit allocation) shall have been paid 75% in cash and 25% as a contingent non-cash grant subject to such terms relating to non-cash grants as set out in clause 3.5 (save for calendar year 2020, which shall be in accordance with the applicable Pre-Change/Post-Change Allocation).  

All other terms and conditions of the Individual Member’s membership are unaffected and remain as set out in the Deed and the Partnership Deed. In particular, the Individual Member acknowledges and agrees that he will be bound by all the obligations set out in clause 16.3 of the Partnership Deed (Restrictions during and after ceasing to be a Member), as amended under clause 8.6 of the Deed, and clause 20 (Confidential Information) of the Partnership Deed.

2   

 

 

IN WITNESS WHEREOF the parties have executed this Deed the day and year first above written.

	
SIGNED and DELIVERED as a
	
 
	
)
	
 

	
DEED by BGC SERVICES
	
 
	
)
	
 

	
(HOLDINGS) LLP acting by:
	
 
	
):
	
 

	
 
	
 
	
/s/ James Lightbourne
	
 

	
 
	
 
	
James Lightbourne
	
 

	
 
	
 
	
Director
	
 

	
 
	
 
	
 
	
 

	
Witnessed
	
 
	
/s/ Surangee Roshini Samarasinghe
	
 

	
 
	
 
	
Surangee Roshini Samarasinghe
	
 

	
 
	
 
	
Solicitor
	
 

	
Name:
	
 
	
 
	
 

	
 
	
 
	
5 Churchill Place
	
 

	
Address:
	
 
	
London, E14 5RD
	
 

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 

	
 
	
 
	
 
	
 

	
SIGNED and DELIVERED as a
	
 
	
)
	
 

	
DEED by SHAUN LYNN
	
 
	
)
	
 

	
 
	
 
	
)
	
 

	
 
	
 
	
/s/ Shaun Lynn
	
 

	
 
	
 
	
Shaun Lynn
	
 

	
 
	
 
	
 
	
 

	
Witnessed
	
 
	
/s/ Faye Eden
	
 

	
 
	
 
	
Miss Faye Eden
	
 

	
Name:
	
 
	
 
	
 

	
 
	
 
	
 
	
 

	
 
	
 
	
BGC
	
 

	
Address:
	
 
	
5 Churchill Place
	
 

	
 
	
 
	
Canary Wharf
	
 

	
 
	
 
	
E14 5RD

Personal Assistant
	
 

 

[Signature Page to Deed of Amendment between Shaun Lynn and BGC Services (Holdings) LLP, dated as of 14 August 2020]

3Exhibit 4.1

 

Unless this certificate
is presented by an authorized representative of The Depository Trust Company, a New York corporation (the “Depository”),
to the Company or its agent for registration of transfer, exchange, or payment, and any certificate issued is registered in the
name of Cede & Co. or in such other name as is requested by an authorized representative of the Depository (and any payment
is made to Cede & Co. or to such other entity as is requested by an authorized representative of the Depository), ANY TRANSFER,
PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof, Cede
& Co., has an interest herein.

 

	REGISTERED	 	REGISTERED

 

CNA FINANCIAL CORPORATION

2.050% NOTE DUE 2030

 

CUSIP 126117AW0

 

ISIN US126117AW05

 

	No. 001	 	US$500,000,000

 

CNA FINANCIAL CORPORATION,
a corporation duly organized and existing under the laws of the State of Delaware (the “Company”, which term includes
any successor corporation under the Indenture hereinafter referred to), for value received, hereby promises to pay to Cede &
Co., or registered assignees, the principal sum of Five Hundred Million Dollars ($500,000,000) on August 15, 2030, and to pay interest
thereon from and including August 14, 2020, or from the most recent Interest Payment Date to which interest has been paid or duly
provided for, semi-annually on February 15 and August 15 of each year, commencing February 15, 2021, at the rate of 2.050% per
annum, until the principal hereof becomes due and payable, and at such rate on any overdue principal and (to the extent that the
payment of such interest shall be legally enforceable) on any overdue installment of interest. The interest so payable, and punctually
paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture, be paid to the Person in whose name
this Security (or one or more Predecessor Securities) is registered at the close of business on the Regular Record Date for such
interest payment, which shall be the February 1 or August 1 (whether or not a Business Day), as the case may be, prior to the applicable
Interest Payment Date. Any such interest not so punctually paid or duly provided for shall forthwith cease to be payable to the
registered Holder on such Regular Record Date by virtue of his having been such Holder, and may either be paid to the Person in
whose name this Security (or one or more Predecessor Securities) is registered at the close of business on a Special Record Date
for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders of Securities of
this series not less than 10 days prior to such Special Record Date, or be paid at any time in any other lawful manner not inconsistent
with the requirements of any securities exchange on which the Securities of this series may be listed, and upon such notice as
may be required by such exchange, all as more fully provided in said Indenture.

 

    

     

    

 

Payment of the principal
of (and premium, if any) and interest on this Security will be in immediately available funds, in such coin or currency of the
United States of America as at the time of payment is legal tender for payment of public and private debts.

 

Unless the certificate
of authentication herein has been duly executed by the Trustee referred to herein by manual signature, this Security shall not
be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.

 

This security is one
of a duly authorized issue of securities of the Company (the “Securities”), issued or to be issued in one or more series
under an indenture, dated as of March 1, 1991, between the Company and The Bank of New York Mellon Trust Company, N.A., as successor
in interest to J.P. Morgan Trust Company, National Association (formerly known as The First National Bank of Chicago), a national
banking association, as trustee (the “Original Trustee”), as amended and supplemented by a first supplemental indenture,
dated as of October 15, 1993, between the Company and the Original Trustee, a second supplemental indenture, dated as of December
15, 2004, between the Company and the Original Trustee and a third supplemental indenture, dated as of February 24, 2016, between
the Company, the Original Trustee and U.S. Bank National Association, as trustee (the “Trustee”) (as so supplemented,
the “Indenture”), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement
of the respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of
the Securities and of the terms upon which the Securities are, and are to be, authenticated and delivered. This Security is one
of the series designated “2.050% Notes due 2030”, and is limited, subject to the provisions of the Indenture, initially
in aggregate principal amount to $500,000,000. The Company may, from time to time, without the consent of the Holders of the Securities
of this series, reopen this series and issue additional Securities.

 

The Securities of this
series will be redeemable, in whole or in part, at the Company’s option at any time prior to the Par Call Date, at a redemption
price (the “Redemption Price”) equal to the greater of (i) 100% of the principal amount of the Securities of this series
and (ii) the sum of the present values of the remaining scheduled payments of principal and interest on the Securities of this
series being redeemed that would be due if such Securities matured on the Par Call Date (exclusive of interest accrued to the date
of redemption (the “Redemption Date”)) discounted to the Redemption Date on a semi-annual basis (assuming a 360-day
year consisting of twelve 30-day months) at the Treasury Rate plus 25 basis points, plus accrued and unpaid interest thereon to,
but not including, the Redemption Date.

 

The Securities of this
series will be redeemable, in whole or in part, at the Company’s option at any time on or after the Par Call Date, at a redemption
price equal to 100% of the principal amount of the Securities of this series plus accrued and unpaid interest thereon to, but not
including, the Redemption Date.

 

“Comparable Treasury
Issue” means, with respect to the Securities of this series, the United States Treasury security or securities selected by
an Independent Investment Banker as having an actual or interpolated maturity comparable to the remaining term of the Securities
of this series to be redeemed (assuming for this purpose that such Securities matured on the Par Call Date) that would be utilized,
at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities
of a comparable maturity to the remaining term of such Securities (assuming for this purpose that such Securities matured on the
Par Call Date).

 

    2

     

    

 

“Comparable Treasury
Price” means, with respect to any Redemption Date, (A) the average of the Reference Treasury Dealer Quotations for such Redemption
Date, after excluding the highest and lowest such Reference Treasury Dealer Quotations, or (B) if the Independent Investment Banker
is given fewer than four such Reference Treasury Dealer Quotations, the average of all such quotations.

 

“Independent
Investment Banker” means one of the Reference Treasury Dealers appointed by the Company.

 

“Par Call Date”
means May 15, 2030.

 

“Reference Treasury
Dealer Quotations” means, with respect to each Reference Treasury Dealer and any Redemption Date, the average, as determined
by us, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount)
quoted in writing to us by such Reference Treasury Dealer at 3:30 p.m. New York time on the third business day preceding such Redemption
Date.

 

“Reference Treasury
Dealer” means each of (i) J.P. Morgan Securities LLC, Wells Fargo Securities, LLC, BofA Securities, Inc. and Citigroup Global
Markets Inc. and (ii) one other Primary Treasury Dealer selected by the Company; provided, however, that if any of the foregoing
or their affiliates shall cease to be a primary U.S. Government securities dealer in The City of New York (a “Primary Treasury
Dealer”), the Company shall substitute therefor another Primary Treasury Dealer.

 

“Treasury Rate”
means, with respect to any Redemption Date, the rate per annum equal to the semi-annual equivalent yield to maturity or interpolated
(on a day count basis) of the Comparable Treasury Issue, assuming a price for the Comparable Treasury Issue (expressed as a percentage
of its principal amount) equal to the Comparable Treasury Price for such Redemption Date. The Treasury Rate shall be calculated
on the third business day preceding the Redemption Date.

 

Notice of any redemption
will be mailed at least 10 days but not more than 60 days before the Redemption Date to each Holder of Securities of this series
to be redeemed. The Company shall notify the Trustee of such redemption at least three business days preceding the date the notice
of redemption is provided to the Holders.

 

Unless the Company
defaults in payment of the Redemption Price, on and after the Redemption Date interest will cease to accrue on the Securities of
this series or portions thereof called for redemption.

 

If an Event of Default
with respect to the Securities of this series shall have occurred and be continuing, the principal of all the Securities of this
series may be declared due and payable in the manner and with the effect provided in the Indenture.

 

    3

     

    

 

In addition to the
covenants contained in the Indenture, the Company hereby covenants and agrees that it will not, and will not permit any Subsidiary
to, create, assume, incur or permit to exist any indebtedness for borrowed money (including any guarantee of indebtedness for borrowed
money) that is secured by a pledge, lien or other encumbrance on:

 

		(a)	the voting securities of The Continental Corporation, Continental Casualty Company and Western
Surety Company, or any Subsidiary succeeding to any substantial part of the business now conducted by any of those corporations
(collectively, the “Principal Subsidiaries”), or

 

		(b)	the voting securities of a Subsidiary that owns, directly or indirectly, the voting securities
of any of the Principal Subsidiaries,

 

without making effective provision so that
the Outstanding Securities of this series shall be secured equally and ratably with the indebtedness so secured so long as such
other indebtedness shall be secured. This covenant and agreement by the Company constitutes an agreement of the Company in respect
of the Securities of this series within the meaning of Section 5.1(d) of the Indenture.

 

For purposes of the
preceding paragraph, “Subsidiary” means any corporation, partnership or other entity of which at the time of determination
the Company or one or more other Subsidiaries own directly or indirectly more than 50% of the outstanding shares of the Voting
Stock or equivalent interest, and “Voting Stock” means stock which ordinarily has voting power for the election of
directors, whether at all times or only so long as no senior class of stock has such voting power by reason of any contingency.

 

The Indenture permits,
with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Company
and the rights of the Holders of the Securities to be affected under the Indenture at any time by the Company and the Trustee with
the consent of the Holders of not less than a majority in aggregate principal amount of the outstanding Securities to be affected.
The Indenture also contains provisions permitting the Holders of specified percentages in aggregate principal amount of the Securities
of any series at the time Outstanding, on behalf of the Holders of all the Securities of such series, to waive compliance by the
Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such
consent or waiver by the Holder of this Security shall be conclusive and binding upon such Holder and upon all future Holders of
this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether
or not notation of such consent or waiver is made upon this Security.

 

Holders of Securities
may not enforce their rights pursuant to the Indenture or the Securities except as provided in the Indenture. No reference herein
to the Indenture and no provision of this Security or of the Indenture shall alter or impair the obligation of the Company, which
is absolute and unconditional, to pay the principal of (and premium, if any) and interest on this Security at the times, place
and rate, and in the coin or currency, herein prescribed.

 

The Securities of this
series are issuable in registered form without coupons in minimum denominations of $2,000 and any integral multiple of $1,000.
As provided in the Indenture and subject to certain limitations therein set forth, Securities of this series are exchangeable for
a like aggregate principal amount of Securities of this series of different authorized denominations, as requested by the Holder
surrendering the same.

 

    4

     

    

 

As provided in the
Indenture and subject to certain limitations therein set forth, the transfer of this Security is registrable on the Security Register
of the Company, upon surrender of this Security for registration of transfer at the office or agency of the Company in the Borough
of Manhattan, the City and State of New York, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory
to the Company, the Security Registrar and the Trustee and duly executed by the Holder hereof or his attorney duly authorized in
writing, thereupon one or more new Securities of this series, of authorized denominations and for the same aggregate principal
amount will be issued to the designated transferee or transferees.

 

This Security is in
the form of a Global Security as provided in the Indenture. If at any time the Depository notifies the Company that it is unwilling
or unable to continue as Depository for this Security or if at any time the Depository for this Security shall no longer be eligible
or in good standing under the Securities Exchange Act of 1934, as amended, or other applicable statute or regulation, the Company
shall appoint a successor Depository with respect to this Security. If a successor Depository for this Security is not appointed
by the Company within 90 days after the Company receives notice or becomes aware of such ineligibility, the Company will execute,
and the Trustee or its agent, upon receipt of a Company Request for the authentication and delivery of certificates representing
Securities of this series in exchange for this Security, will authenticate and deliver, certificates representing Securities of
this series of like tenor and terms in an aggregate principal amount equal to the principal amount of this Security in exchange
for this Security.

 

The Company may at
any time and in its sole discretion determine that this Security or portion hereof shall no longer be represented in the form of
a Global Security. In such event the Company will execute, and the Trustee, upon receipt of a Company Request for the authentication
and delivery of certificates representing Securities of this series in exchange in whole or in part for this Security, will authenticate
and deliver certificates representing Securities of this series of like tenor and terms in definitive form in an aggregate principal
amount equal to the principal amount of this Security or portion hereof in exchange for this Security.

 

If specified by the
Company pursuant to the Indenture with respect to this Security, the Depository may surrender this Security in exchange in whole
or in part for certificates representing Securities of this series of like tenor and terms in definitive form on such terms as
are acceptable to the Company and the Depository. Thereupon the Company shall execute, and the Trustee or its agent shall authenticate
and deliver, without a service charge, (1) to each Holder specified by the Security Registrar or the Depository a certificate or
certificates representing Securities of this series of like tenor and terms and of any authorized denomination as requested by
such person in an aggregate principal amount equal to and in exchange for such Holder’s beneficial interest as specified
by the Security Registrar or the Depository in this Security; and (2) to the Depository a new Global Security of like tenor and
terms and in an authorized denomination equal to the difference, if any, between the principal amount of the surrendered Security
and the aggregate principal amount of certificates representing Securities delivered to Holders thereof.

 

    5

     

    

 

No service charge shall
be made for any such registration of transfer or exchange, but the Company may require payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

 

Prior to due presentment
of this Security for registration or transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the
Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue,
and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary.

 

No recourse shall be
had for the payment of the principal of or interest on this Security, or for any claim based hereon, or otherwise in respect hereof,
or based on or in respect of the Indenture or any indenture supplemental thereto, against any incorporator, stockholder, officer
or director, as such, past, present or future, of the Company or of any successor corporation, whether by virtue of any constitution,
statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liabilities being, by the acceptance
hereof and as part of the consideration for the issue hereof, expressly waived and released.

 

The Securities of this
series are subject to defeasance at the option of the Company as provided in the Indenture.

 

All terms used in this
Security which are defined in the Indenture shall have the meanings assigned to them in the Indenture.

 

    6

     

    

 

IN WITNESS WHEREOF,
the Company has caused this instrument to be duly executed under its corporate seal.

 

	Dated: August 14, 2020	CNA FINANCIAL CORPORATION
	 	 	 
	 	 	 
	 	By:	 
	 	Name:	Albert J. Miralles
	 	Title:	Executive Vice President and Chief Financial Officer
	 	 	 
	[SEAL]	 	 
	 	Attest:
	 	 	 
	 	 	 
	 	By:	 
	 	Name:	Kathleen Sulikowski
	 	Title:	Assistant Vice President & Assistant Secretary

 

 

This is one of the
Securities of the series designated herein and referred to in the within-mentioned Indenture.

 

	Dated: August 14, 2020	U.S. BANK NATIONAL ASSOCIATION, as Trustee
	 	 	 
	 	 	 
	 	By:	 
	 	Name:	Authorized Officer

 

Signature Page to Global Note

 

    

     

    

 

 

 

ABBREVIATIONS

 

The following abbreviations,
when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according
to applicable laws or regulations:

 

TEN COM - as tenants in common

TEN ENT - as tenants by the entireties

JT TEN - as joint tenants with right of survivorship
and not as tenants in common

 

UNIF GIFT MIN ACT - __________Custodian__________

(Cust)                           (Minor)

Under Uniform Gifts to Minors
Act

_____________________________

(State)

 

Additional abbreviations may also be used
though not in the above list.

 

 

 

FOR VALUE RECEIVED,
the undersigned hereby sell(s), assign(s) and transfer(s) unto

 

PLEASE INSERT SOCIAL SECURITY OR

OTHER IDENTIFYING NUMBER OF ASSIGNEE

 

	 	 

PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS
INCLUDING POSTAL ZIP CODE OF ASSIGNEE

 

____________________________________________________

the within
Security and all rights thereunder, hereby irrevocably constituting and appointing _______________ attorney to transfer said Security
on the books of the Company, with full power of substitution in the premises.

 

Dated:

 

	 	 	 
	 	Signature	 

 

NOTICE: THE SIGNATURE TO THIS ASSIGNMENT
MUST CORRESPOND WITH THE NAME AS WRITTEN UPON THE FACE OF THE WITHIN INSTRUMENT IN EVERY PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT
OR ANY CHANGE WHATEVER.

 

THE SIGNATURE(S) MUST BE GUARANTEED BY
AN “ELIGIBLE GUARANTOR INSTITUTION” THAT IS A MEMBER OR PARTICIPANT IN A “SIGNATURE GUARANTEE PROGRAM”
(E.G., THE SECURITIES TRANSFER AGENTS MEDALLION PROGRAM, THE STOCK EXCHANGE MEDALLION PROGRAM OR THE NEW YORK STOCK EXCHANGE, INC.
MEDALLION SIGNATURE PROGRAM).

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