Document:

exhibit102.htm

EXHIBIT 10.2

 

 

 

SECURITY AGREEMENT

 

Date:  July 31, 2015

 

In order to secure the due and punctual payment of all of the Obligations (as herein defined), Signal Point Holdings Corp, a Delaware corporation having its place of business located at 433 Hackensack Avenue, 6th Floor, Hackensack, New Jersey 07601 ("Debtor"), hereby grants to NFS Leasing, Inc., a Massachusetts Corporation ("Secured Party"), having an address of 900 Cummings Center, Suite 226-U, Beverly, MA 01915, a continuing security interest in the following item(s) of collateral:

 

SUBORDINATION:  Notwithstanding any provision of this Security Agreement to the contrary, the interest granted herein is subordinated to Brookville Special Purpose Fund, LLC, Veritas High Yield Fund, LLC, The Robert Depalo Special Opportunity Fund LLC and Allied International Fund, Inc, the senior creditors of the Debtor.

 

ACCOUNTS RECEIVABLE:  All of Debtor's now owned and hereafter acquired accounts, accounts receivable, contract rights, instruments, and chattel paper.

 

PERSONAL PROPERTY:  All of Debtor's now owned and hereafter acquired tangible and intangible personal property (including, but not limited to computer hardware and software, intellectual property, patents, inventions, equipment, furnishings and fixtures).

 

The foregoing security interest(s) is hereby granted together with a continuing security interest in the following additional items of collateral:

 

(a)           All money, instruments, documents of title, deposit accounts and other property of Debtor .

 

(b)           All replacements and substitutions for, and all proceeds (including insurance proceeds) and products of, any or all of the foregoing.

 

(c)           All of Debtor's books and records relating to any or all of the foregoing.

 

All of the foregoing items of collateral are hereinafter collectively referred to as the "Collateral".

 

"Obligations" shall mean:

 

(a)           all indebtedness and liabilities whatsoever of Debtor to Secured Party which in any manner relate to or arise from payments owed to Secured Party under a certain Corporate Guaranty Agreement dated as of January 21, 2015, whereby Debtor has guaranteed the payment and other obligations of SignalShare, LLC to Secured party under a certain Master Equipment Lease Number 2013-218 dated as of  March 11, 2013, whether direct, indirect, absolute or contingent, due or to become due, now existing or hereafter arising; and

 

 

 

 

 

 

  

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(b)           all indebtedness and liabilities whatsoever of Debtor to Secured Party which in any manner relate to or arise from payments owed to Secured Party under a certain Corporate Guaranty Agreement of even date herewith, whereby Debtor is guaranteeing the payments and other obligations of SignalShare, LLC to Secured Party under that certain Lease Schedule Termination and Loan Agreement and the related Loan Documents described therein, all dated as of even date herewith, whether direct, indirect, absolute or contingent, due or to become due, now existing or hereafter arising.

 

Section 1. Representations, Warranties And Covenants Of Debtor.  Debtor hereby represents, warrants and covenants as follows:

 

(a)           Debtor is or, to the extent that certain of the Collateral is to be acquired after the date hereof, will be, the owner of the Collateral free from any adverse lien, security interest or encumbrance, except as appears as a matter of public record as of the date hereof with respect to the security interest filings of Brookville Special Purpose Fund, LLC, Veritas High Yield Fund, LLC and The Robert Depalo Special Opportunity Fund LLC (collectively the “Permitted Liens”). Debtor will defend the Collateral against all other claims and demands of all persons at any time claiming any interest therein.

 

(b)           At the request of Secured Party, Debtor will join with Secured Party in executing one or more (i) financing statements pursuant to the Uniform Commercial Code, (ii) title certificate lien application forms, and (iii) other documents necessary or advisable to perfect the security interests granted hereby, all in form satisfactory to Secured Party, and Debtor will pay the cost of filing the same or filing or recording this Agreement in all public offices wherever filing or recording is deemed by Secured Party to be necessary or desirable.  A carbon, photographic, or other reproduction of this Agreement or a financing statement is sufficient as a financing statement.

 

(c)           Debtor will immediately notify Secured Party of any event causing a substantial loss or diminution in the value of all or any material part of the Collateral.

 

(d)           Debtor agrees not to increase the underlying financial obligations secured by the Permitted Liens except to the extent additional capital is received by Debtor in the form of new loan proceeds.

 

(e)           Unless otherwise specified, the chief executive office of Debtor, the location where Debtor maintains its books and records and the location of the Collateral is the address of Debtor set forth above.

 

(f)            Upon an Event of Default, Debtor shall permit Secured Party and its agents to inspect any or all of the Collateral at all reasonable times and shall promptly deliver to Secured Party and its agents such information with respect to the Collateral as Secured Party may reasonably request from time to time.  The Secured Party may in its own name or in the names of others, communicate with account debtors in order to verify with them, to Secured Party's satisfaction, the existence, amount and terms of any accounts.

 

 

 

 

  

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(g)           Debtor will have and maintain insurance at all times with respect to the Collateral against risks of fire (including so-called extended coverage), business interruption and such other risks as Secured Party may require, containing such terms, in such form, for such periods and written by such companies as may be acceptable to Secured Party, such insurance to be payable to Secured Party and to provide for at least twenty (20) days' prior written cancellation notice to Secured Party. Debtor shall furnish Secured Party with certificates or other evidence satisfactory to Secured Party of compliance with the foregoing insurance provisions.

 

(h)           Neither the execution of this Agreement nor the granting of the security interest in the Collateral as provided for herein is prohibited by or violates the terms of any agreement, undertaking, order or decree to which Debtor or the Collateral is subject to or bound by.

 

(i)           No consent of any third party, including but not limited to the holders of the Permitted Liens, is required to enable Debtor to grant the security interest in the Collateral under this Agreement, or in the event any such consent is required, all such consents have been duly obtained by Debtor prior to its execution hereof.

 

(j)           The individual executing this Agreement on behalf of Debtor is duly authorized to do so without the need to obtain any additional authorization or consent.

 

Section 2. Events Of Default.  Debtor shall be in default under this Agreement upon the occurrence of any one of the following events (herein referred to as an "Event of Default"):

 

(a)           Any representation or warranty made by Debtor to Secured Party herein shall prove to be false or misleading in any material respect when made;

 

(b)           Default by Debtor in the due observance or performance of any covenant or agreement herein contained;

 

(c)           Default in the payment when due of any indebtedness of Debtor to Secured Party secured hereby;

 

(d)           The occurrence of any other default or Event of Default on the part of Debtor under any of the documents evidencing or securing the Obligations; or

 

(e)           Loss, theft, substantial damage or destruction of any of the Collateral which is not fully and adequately covered by insurance.

 

 

 

 

 

  

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Section 3. Remedies Upon Event Of Default.  If any Event of Default occurs, Secured Party may declare all obligations secured hereby to be immediately due and payable without presentment, demand, protest or other notice of any kind, all of which are hereby expressly waived. Secured Party may exercise all the rights and remedies of a secured party under the Uniform Commercial Code. Secured Party may require Debtor to assemble the Collateral and make it available to Secured Party at a place designated by Secured Party. The requirements of reasonable notice shall be met if notice is mailed, postage prepaid, to Debtor at its address set forth above at least ten (10) days before the time of sale or disposition of the Collateral.  The Secured Party shall have the right to demand from the Debtor a list of all accounts assigned hereunder and to notify any and all account debtors to make payment thereof directly to Secured Party.  Secured Party shall also have the right to (i) open all mail addressed to Debtor; (ii) change the Post Office box or mailing address of Debtor; and (iii) use Debtor's stationery and billing forms or facsimiles thereof, for the purpose of collecting accounts and realizing upon the Collateral.  Debtor understands and agrees the Secured Party may exercise its rights hereunder without affording Debtor an opportunity for a preseizure hearing before Secured Party, through judicial process or otherwise, takes possession of the Collateral upon the occurrence of an Event of Default, and Debtor expressly waives its constitutional right, if any, to such prior hearing. Notwithstanding any provision of this Security Agreement to the contrary, Secured Party acknowledges and agrees that its rights under this Security Agreement are subordinate to those of the holders of the Permitted Liens, which are senior perfected lien holders.

 

Section 4. Expenses.  Debtor will pay to Secured Party on demand any and all expenses, including attorneys' fees, incurred or paid by Secured Party in protecting or enforcing any of its rights hereunder, including its right to take possession of the Collateral, store and dispose of the same or collect the proceeds thereof.

 

Section 5. Waivers, Non-Exclusive Remedies.  No failure or delay on the part of Secured Party in exercising any rights under this Security Agreement shall operate as a waiver thereof, nor shall any single or partial exercise by Secured Party of any of such rights preclude any other or further exercise thereof or the exercise of any other rights with respect to the Collateral, and no waiver as to one Event of Default shall affect the rights of Secured Party as to any other or subsequent Event of Default.

 

Section 6. Changes In Writing.  This Agreement and any provision hereof may not be amended, waived or terminated except by a written instrument signed by Secured Party and Debtor.

 

Section 7. Governing Law.  This Agreement shall be construed in accordance with and governed by the laws of the jurisdiction where the Collateral is located.

 

Section 8. Successors And Assigns.  All the terms and provisions of this Agreement shall be binding upon and inure to the benefit of and be enforceable by the respective heirs, personal representatives, successors and assigns of the parties hereto.

 

 

 

 

  

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Section 9. Further Assurances.  Debtor will execute and deliver to Secured Party, upon Secured Party's request and at Debtor's sole cost and expense, any documents Secured Party deems necessary for the perfection of its security interests or preservation of its rights hereunder.

 

Section 10. General Authority.  Secured Party may, at its election, discharge taxes, liens or security interests or other encumbrances at any time levied or placed upon the Collateral, pay for insurance on the Collateral and pay for the maintenance and preservation of the Collateral. Debtor agrees to reimburse Secured Party on demand for any payment made, or any expense incurred by Secured Party pursuant to the foregoing authorization. Upon an Event of Default,  and if requested by Secured Party, Debtor will deliver to Secured Party a detailed aging of accounts receivable in form acceptable to Secured Party.

 

Section 11. Power Of Attorney.  Debtor hereby appoints Secured Party its true and lawful attorney with full power of substitution to execute any and all documents Secured Party deems necessary to perfect its security interests hereunder, to demand, collect, receive, receipt for, sue for, compound and give acquittance for, any and all amounts due and to become due on any accounts and to endorse the name of the Debtor on all commercial paper given in payment or part-payment thereof and in its discretion to file any claim or take any other action which Secured Party may deem necessary or appropriate to protect and preserve and realize upon the security interest of the Secured Party in any accounts or the proceeds thereof, to obtain, adjust, settle and cancel any insurance and endorse any drafts in payment of any loss, to take any actions permitted by Section 10 hereof and to do all other acts or things contemplated by this Agreement.

 

Section 12. Substitution of Security. At any time while this Agreement is in effect, Debtor shall have the right to post an irrevocable letter of credit in substitution for this Agreement in an amount equal to the then outstanding balance of the Obligations and containing such terms as are reasonably acceptable to Secured Party, and upon such posting Secured Party shall discharge all security interests with respect to the Collateral.

 

IN WITNESS WHEREOF, this Agreement is executed by Debtor and Secured Party under seal on the date set forth above.

 

	
DEBTOR: Signal Point Holdings Corp.

	
SECURED PARTY:  NFS Leasing, Inc.

	 	 
	  	  
	  	  
	
By: /s/   Aaron Dobrinsky                                         

	
By:  /s/   Clifford L. Rucker                                             

	
Name:  Aaron Dobrinsky

	
Name:    Clifford L. Rucker

	
Title:     Chief Executive Officer

	
Title:       President

 

 

 

 

  

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EXHIBIT 10.3

 

 

 

TERM NOTE

 

1.           DEFINED TERMS.  As used in this Term Note (the “Note”), the following terms shall have the following meanings:

 

	
1.1

	
Borrower:

	
SignalShare, LLC

	  	  	  
	
1.2

	
Lender:

	
NFS Leasing, Inc

	  	  	
900 Cummings Center-Suite 226-U

	
 

	  	
Beverly, MA 01915

	  	  	  
	
1.3

	
Loan Amount:

	
$4,946,212.91

	  	  	  
	
1.4

	
Interest Rate:

	
See Section 3 below.

	  	  	  
	
1.5

	
Maturity Date:

	
 December 19, 2016

	  	  	  
	
1.6

	
Loan Agreement:

	
a certain Lease Schedule Termination, Loan Agreement and General Release of even date herewith by and between Borrower and Lender (the “Loan Agreement”).

	  	  	  
	
1.7

	
Loan, Loan Documents and Event of Default shall have the same meanings as in the Loan Agreement.  All capitalized terms used herein and not otherwise defined herein shall have the meanings as set forth in the Loan Agreement.  The Loan Documents are incorporated herein by reference.

 

2.           DEBT: For value received, Borrower hereby promises to pay to the order of Lender the Loan Amount, together with interest on all unpaid balances from the date hereof at the interest rate set forth in this Note, together with all other amounts due hereunder or under the Loan Documents.

 

3.           INTEREST: During the term of this Note, Interest on all unpaid principal of the Loan shall be charged at a fixed rate of eleven and 40/100 (11.40%) percent per annum.  Interest shall be calculated on the basis of the number of actual days elapsed and a 360-day year.

 

4.           PAYMENTS:

 

4.1         Weekly Payments.   Commencing retroactive to July 13, 2015, Borrower shall make seventy–five (75) consecutive weekly payments of principal and interest, each in the amount of $71,207.24.  Payment shall be due on Monday of each such week and shall be made to Lender via wire transfer to a bank account designated by Lender. In the event any such Monday is a Federal bank holiday, payment shall be made on the next business day.  Lender acknowledges that it has received the payments due for July 13, July 20, and July 27, 2015.

 

 

 

 

  

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4.2         Final Balloon Payment.   On the Maturity Date, Borrower shall make a final payment of all outstanding principal and interest due on account of the Loan, in the amount of $18,886.83.

 

5.           DEFAULT INTEREST:  Upon an Event of Default and upon Lender’s election, any payment due hereunder or under any of the other Loan Documents shall, from and after the date of such Event of Default, accrue interest at a per annum rate equal to the lesser of (a) the Interest Rate, plus four (4%) percent, or (b) the maximum rate permitted by law, and such interest shall be due and payable, on demand, at such rate until the entire amount due is paid to Lender, whether or not any action shall have been taken or proceeding commenced to recover the same.  Nothing in this Section 5 or in any other provision of this Note shall constitute an extension of time of payment of the indebtedness hereunder.

 

6.           DELINQUENCY CHARGES:  If Borrower fails to make any payment due on this Note  within five (5) business days after such payment becomes due, Lender may, at its option, whether immediately or at the time of final payment of the amounts evidenced by this Note, impose a delinquency or “late” charge equal to five (5%) percent of the amount of such past due payment notwithstanding the date on which such payment is actually paid in full, and the amount thereof shall be secured by the Security Agreement and by any collateral held by Lender to secure such indebtedness.  Borrower agrees that any such delinquency charges shall not be deemed to be additional interest or penalty, but shall be deemed to be liquidated damages because of the difficulty in computing the actual amount of damages in advance.

 

7.           COSTS AND EXPENSES UPON DEFAULT: After default, in addition to principal, interest and delinquency charges, Lender shall be entitled to collect all costs of collection, including, but not limited to, reasonable attorneys, fees and expenses, incurred in connection with the protection or realization of collateral or in connection with any of Lender's collection efforts, whether or not suit on this Note is filed, and all such costs and expenses shall be payable on demand and until paid shall also be secured by the Loan Documents and by all collateral held by Lender as security for Borrower's obligations to Lender.

 

8.           APPLICATION OF PAYMENTS: Unless an Event of Default has occurred, all payments hereunder shall be applied first to delinquency charges, costs of collection and enforcement and other similar amounts due, if any, under this Note and under the other Loan Documents, then to interest which is due and payable under this Note and the remainder, if any, to principal due and payable under this Note.  If an Event of Default has occurred, such payments may be applied to sums due under this Note or under the other Loan Documents in any order and combination that Lender may, in its sole and absolute discretion, determine.

 

9.           PERMITTED PREPAYMENT:  The Borrower shall have the right to prepay the Loan in whole, or in part, together with all delinquency charges and any other amounts which may be due hereunder or under any of the other Loan Documents at any time, without premium or penalty.

 

10.          COSTS: In addition to principal, interest and delinquency charges, Borrower shall pay all costs and expenses, including, without limitation, reasonable attorneys’ fees and all reasonable expenses and disbursements of counsel, in connection with the protection, realization or enforcement of any of Lender's rights against Borrower and against any collateral given Lender to secure this Note or any other liabilities of Borrower to Lender (whether or not suit or foreclosure is instituted by or against Lender).

 

 

 

 

  

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Borrower hereby agrees to pay to Lender on demand all costs and expenses of Lender in connection with, and any stamp or other taxes or charges (including filing fees) payable with respect to, this Note and the enforcement hereof.

 

11.       WAIVERS: BORROWER IRREVOCABLY WAIVES ITS RIGHTS TO NOTICE AND HEARING TO THE EXTENT PERMITTED BY ANY STATE OR FEDERAL LAW WITH RESPECT TO ANY PREJUDGMENT REMEDY WHICH LENDER MAY DESIRE TO USE, and, further, irrevocably waives presentment for payment, demand, notice of nonpayment, notice of intention to accelerate the maturity of this Note, diligence in collection, commencement of suit against any obligor, notice of protest, and protest of this Note and all other notices in connection with the delivery, acceptance, performance, default or enforcement of the payment of this Note, before or after the maturity of this Note, with or without notice to Borrower, and agree that Borrower's liability shall not be in any manner affected by any indulgence, extension of time, renewal, waiver or modification granted or consented to by Lender.  Borrower consents to any and all extensions of time, renewals, waivers or modifications that may be granted by Lender with respect to the payment or other provisions of this Note, and to any substitution, exchange or release of the collateral for this Note, or any part thereof, with or without substitution of said collateral.  Any delay on the part of Lender in exercising any right under this Note shall not operate as a waiver of any such right, and any waiver granted or consented to on one occasion shall not operate as a waiver in the event of any subsequent default.

 

12.         USURY: Lender has filed notification under applicable law that it may charge interest in excess of the maximum lawful rate.  If at any time the rate of interest charged by Lender under the Loan is determined to be in violation of applicable law (by lapse in Lender’s so-called “usury filing,” change in law or otherwise) and such laws would ever render collection of any amounts under this Note or the other Loan Documents deemed usurious illegal, then it is Borrower's and Lender's express intention that Borrower, for the duration of any such illegality, shall not be required to pay interest on this Note at a rate in excess of the maximum lawful rate, that the provisions of this Section 12 shall control over all other provisions of this Note and the Loan Documents which may be in apparent conflict herewith, that such excess amount shall be credited to the principal balance of this Note (or, if this Note has been fully paid, refunded by Lender to Borrower), and the provisions hereof shall be reformed and the amounts thereafter collectible under this Note reduced, without the necessity of the execution of any further documents, so as to comply with the then applicable law, but so as to permit the recovery by Lender of the fullest amount otherwise called for under this Note.  Any such crediting or refund shall not cure or waive any default by Borrower under this Note or the other Loan Documents.  If at any time following any reduction in the interest rate payable by Borrower there remains unpaid any principal amount under this Note and the maximum interest rate allowed by applicable law is increased or eliminated, or Lender is permitted to resume charging interest at a rate in excess of the maximum legal rate, then the interest rate payable under this Note shall be readjusted up to but not to exceed the original Interest Rate provided herein above, to the extent not prohibited by applicable law, so that the dollar amount of interest payable hereunder shall be equal to the dollar amount of interest which would have been paid by Borrower without giving effect to the reduction in interest resulting from compliance with applicable usury laws.  Borrower agrees that in determining whether or not any interest payable under this Note or the other Loan Documents exceeds the highest rate allowed by law, any non-principal payment (except payments specifically stated in this Note or in the other Loan Documents to be “interest”), including, without limitation, prepayment fees and delinquency charges, shall, to the maximum extent allowed by law, be an expense, fee or premium rather than interest.  The term “applicable law”, as used in this Note shall mean the laws of The Commonwealth of Massachusetts, the state in which the collateral is located (if other than The Commonwealth of Massachusetts) or the laws of the United States, whichever laws allow the greater rate of interest, as such laws now exist or may be changed or amended or come into effect in the future.

 

 

 

 

 

 

  

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13.         ACCELERATION AND OTHER REMEDIES: If:

 

	
  

	
(a)

	
Borrower fails to timely pay any sum due on this Note within five (5) business days of its due date; or

 

	
  

	
(b)

	
such other “Event of Default”, as said term is defined in the Loan Agreement or any other Loan Document, occurs;

 

then, and in any such event following the expiration of any applicable notice, grace or cure periods with respect thereto under the Loan Documents, Lender may, at its option, declare the entire unpaid balance of this Note together with interest accrued thereon, to be immediately due and payable and Lender may proceed to exercise any rights or remedies that it may have under this Note, the Loan Agreement, the other Loan Documents or such other rights and remedies which Lender may have at law, equity or otherwise.

 

14.           JOINT AND SEVERAL LIABILITY: The liabilities of Borrower and any Guarantor of this Note are joint and several; provided, however, the release by Lender of Borrower or any one or more Guarantors shall not release any other party obligated on account of this Note.  Each reference in this Note to Borrower and any Guarantor is to such entity or person individually and also to all such entities and persons jointly.  No entity or person obligated on account of this Note may seek contribution from any other entity or person also obligated unless and until all liabilities to Lender from the entity or person from which contribution is sought have been satisfied in full.

 

15.           SUCCESSORS AND ASSIGNS: This Note shall be binding upon Borrower and upon its successors, assigns and representatives, and shall inure to the benefit of Lender and its successors, endorsees, and assigns.

 

16.           SECURITY: This Note is secured by the other Loan Documents, and all amendments, modifications, supplements, substitutions, additions, renewals, replacements and extensions thereof.  Borrower hereby grants to Lender a security interest in any and all deposits or other sums at any time credited by or due from Lender to Borrower and any cash, securities, instruments, or other property of Borrower which now or hereafter are at any time in the possession or control of Lender shall constitute additional security to Lender for the liabilities of Borrower to Lender including, without limitation, the liability evidenced hereby, and may be applied or set off by Lender against such liabilities at any time from and after an Event of Default hereunder whether or not other collateral is available to Lender.

 

17.           COLLECTION: Any check, draft, money order or other instrument given in payment of all or any portion hereof may be accepted by Lender and handled by collection in the customary manner, but the same shall not constitute payment hereunder or diminish any rights of Lender except to the extent that actual cash proceeds of such instrument are unconditionally received by Lender and applied to this indebtedness in the manner elsewhere herein provided.

 

18.           AMENDMENTS: This Note may be changed or amended only by an agreement in writing signed by the party against whom enforcement is sought.

 

 

 

 

 

  

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19.          GOVERNING LAW; SUBMISSION TO JURISDICTION: This Note is given to evidence debt for business or commercial purposes, is being delivered to Lender at its office in The Commonwealth of Massachusetts and shall be governed by and construed under the laws of said Commonwealth.  Borrower, each director, officer, shareholder, employee, manager and member, or any partner of such director, officer, shareholder, employee, manager and member of Borrower, hereby submits to the exclusive personal jurisdiction in The Commonwealth of Massachusetts for the enforcement of Borrower's obligations hereunder, under the Loan Agreement and under the other Loan Documents, and waive any and all personal rights under the law of any other state to object to jurisdiction within such State for the purposes of litigation to enforce such obligations of Borrower.  In the event such litigation is commenced, Borrower agree that service of process may be made, and personal jurisdiction over Borrower obtained, by service of a copy of the summons, complaint and other pleadings required to commence such litigation upon Borrower at the address set forth in the preamble to this Note.

 

20.           CAPTIONS: All paragraph and subparagraph captions are for convenience of reference only and shall not affect the construction of any provision herein.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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IN WITNESS WHEREOF, this Note has been executed and delivered under seal this 31st day of July, 2015.

 

	  	
BORROWER:

	  	  
	  	
SIGNALSHARE, LLC,

	  	
A Delaware limited liability company

	  	  
	  	  
	  	  
	
______________________________________________

	
By: /s/   Aaron Dobrinsky                                              

	
Witness

	
Name:  Aaron Dobrinsky

	  	
Title:     Manager

	  	  

 

 

 

 

 

 

 

 

  

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