Document:

FIRST NATIONAL BANK OF KANSAS

                            Member FDIC

                          PROMISSORY NOTE

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<CAPTION>
<S>           <C>         <C>           <C>      <C>   <C>         <C>      <C>      <C>

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Principal    Loan Date    Maturity      Loan No  Call  Collateral  Account  Officer  Initials
$178,330.00  02-01-20000  2-01-2004      9001    4100     61       737755    9155
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References in the shaded area are for Lender's use only and do not limit the
applicability of this document to any particular loan or item.
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Borrower:  Universal Money Centers,        Lender: First National Bank of Kansas
           Inc. (TIN: 43-1242819)                  4650 College Boulevard
           6800 Squibb  Road,                      Overland Park, KS  66211
           P.O.  Box 29153
           Shawnee Mission, KS  66201
================================================================================

Principal Amount: $178,330.00 Interest Rate: 10.000%  Date of Note:
                                                            February 1, 2000

PROMISE TO PAY. Universal Money Centers, Inc. ("Borrower") promises to pay to
First National Bank of Kansas ("Lender"), or order, in lawful money of the
United States of America, the principal amount of One Hundred Seventy Eight
Thousand Three Hundred Thirty & 00/100 Dollars ($178,330.00), together with
interest at the rate of 10.000% per annum on the unpaid principal balance from
February 1, 2000, until paid in full.

PAYMENT. Borrower will pay this loan in 47 payments of $4,534.32 each payment
and an irregular last payment estimated at $4,534.26. Borrower's first payment
is due March 1, 2000, and all subsequent payments are due on the same day of
each month after that. Borrower's final payment will be due on February 1, 2004,
and will be for all principal and all accrued interest not yet paid. Payments
include principal and interest. The annual interest rate for this Note is
computed on a 365/360 basis; that is, by applying the ratio of the annual
interest rate over a year of 360 days, multiplied by the outstanding principal
balance, multiplied by the actual number of days the principal balance is
outstanding. Borrower will pay Lender at Lender's address shown above or at such
other place as Lender may designate in writing. Unless otherwise agreed or
required by applicable law, payments will be applied first to accrued unpaid
interest, then to principal, and any remaining amount to any unpaid collection
costs and late charges.

PREPAYMENT; MINIMUM INTEREST CHARGE. In any event, even upon full prepayment of
this Note, Borrower understands that Lender is entitled to a minimum interest
charge of $7.50. Other than Borrower's obligation to pay any minimum interest
charge, Borrower may pay without penalty all or a portion of the amount owed
earlier than it is due. Early payments will not, unless agreed to by Lender in
writing, relieve Borrower of Borrower's obligation to continue to make payments
under the payment schedule. Rather, they will reduce the principal balance due
and may result in Borrower making fewer payments.

LATE CHARGE. If a payment is 20 days or more late, Borrower will be charged
5.000% of the unpaid portion of the regularly scheduled payment or $25.00,
whichever is less.

DEFAULT. Borrower will be in default if any of the following happens; (a)
Borrower fails to make any payment when due. (b) Borrower breaks any promise
Borrower has made to Lender, or Borrower fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this Note or
any agreement related to this Note, or in any other agreement or loan Borrower
has with Lender. (c) Borrower defaults under any loan, extension of credit,
security agreement, purchase or sales agreement, or any other agreement, in
favor of any other creditor or person that may materially affect any of
Borrower's property or Borrower's ability to repay this Note or perform
Borrower's obligations under this Note or any of the Related Documents. (d) Any
representation or statement made or furnished to Lender by Borrower or on
Borrower's behalf is false or misleading in any material respect either now or
at the time made or furnished. (e) Borrower becomes insolvent, a receiver is
appointed for any party of Borrower's property, Borrower makes an assignment for
the benefit of creditors, or any proceeding is commenced either by Borrower or
against Borrower under any bankruptcy or insolvency laws. (f) Any creditor tries
to take any of Borrower's property on or in which Lender has a lien or security
interest. This includes a garnishment of any of Borrower's accounts with Lender.
(g) Any guarantor does or any of the other events described in this default
section occurs with respect to any guarantor of this Note. (h) A material
adverse change occurs in Borrower's financial condition, or Lender believes the
prospect of payment or performance of the indebtedness is impaired. (i) Lender
in good faith deems itself insecure.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest immediately due, without
notice, and then Borrower will pay that amount. Upon default, including failure
to pay upon final maturity, Lender, at its option, may also, if permitted under
applicable law, increase the interest rate on this Note 6,000 percentage points.
The interest rate will not exceed the maximum rate permitted by applicable law.
Lender may hire or pay someone else who is not a salaried employee of Lender to
help collect this Note if Borrower does not pay. Borrower will be liable for all
reasonable costs incurred in the collection of this Note, including but not
limited to, court costs, attorneys' fees, and collection agency fees, except
that such costs of collection shall not include the recovery of both attorneys'
fees and collection agency fees. This Note has been delivered to Lender and
accepted by Lender in the State of Kansas. If there is a lawsuit, Borrower
agrees upon Lender's request to submit to the jurisdiction of the courts of
Johnson County, the State of Kansas. This Note shall be governed by and
construed in accordance with the laws of the State of Kansas.

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $20.00 if Borrower
makes a payment on Borrower's loan and the check or preauthorized charge with
which Borrower pays is later dishonored.

<PAGE>

RIGHT OF SETOFF. Borrower grants to Lender a contractual security interest in,
and hereby assigns, conveys, delivers, pledges, and transfers to Lender all
Borrower's right, title and interest in and to, Borrower's accounts with Lender
(whether checking, savings, or some other account), including without limitation
all accounts held jointly with someone else and all accounts Borrower may open
in the future, excluding however all IRA and Keogh accounts, and all trust
accounts for which the grant of a security interest would be prohibited by law.
Borrower authorizes Lender, to the extent permitted by applicable law, to charge
or setoff all sums owing on this Note against any and all such accounts.

COLLATERAL.  This Note is secured by seventeen  (17) NCR  Automated
Teller Machines.

CONSENT TO LOAN PARTICIPATION. Borrower agrees and consents to Lender's sale or
transfer, whether now or later, or one or more participation interests in the
Loans to one or more purchasers, whether related or unrelated to Lender. Lender
may provide, without any limitation whatsoever, to any one or more purchasers,
or potential purchasers, any information or knowledge Lender may have about
Borrower or about any other matter relating to the Loan, and Borrower hereby
waives any rights to privacy it may have with respect to such matters. Borrower
additionally waives any and all notices of sale of participation interests, as
well as all notices of any repurchase of such participation interests. Borrower
also agrees that the purchasers of any such participation interests will be
considered as the absolute owners of such interests in the Loans and will have
all the rights granted under the participation agreement or agreements governing
the sale of such participation interests. Borrower further waives all rights of
offset of counterclaim that it may have nor or later against Lender or against
any purchaser of such a participation interest and unconditionally agree that
either Lender or such purchaser may enforce Borrower's obligation under the
Loans irrespective of the failure or insolvency of any holder of any interest in
the Loans. Borrower further agrees that the purchaser of any such participation
interests may enforce its interest irrespective of any personal claims or
defenses that Borrower may have against Lender.

FINANCIAL STATEMENTS. The Borrower will furnish Lender with, as soon as
available, but in no event later than one hundred twenty (120) days after the
end of each fiscal year, the Borrower's Balance Sheet and Income Statement for
the year ended, compiled by a CPA. All financial reports required to be provided
under this Agreement shall be prepared in accordance with generally accepted
accounting principles, applied on a consistent basis and certified by the
Borrower as being true and correct.

ADDITIONAL COVENANT. The Borrower agrees to furnish Lender as soon as available,
but no later than thirty (30) days after installation, the specific locations
including street addresses, city and state of the following six (6) NCR
Automated Teller Machines, Model NO. NCR 5870, ATM Serial Nos. 26545249,
26545254, 26545259, 26545262, 26545267 and 26545264 with MAS Hamilton Serial
Nos. 926405, 928589, 926474, 926480, 924958 and 927228 respectively. The
Borrower also agrees to notify the Lender within thirty (30) days when location
changes occur from time to time for any ATMs as listed as collateral for this
loan. The information furnished will include street addresses, city and state.

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights under
this Note without losing them. Borrower and any other person who signs,
guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, protest and notice of dishonor. Upon any change
in the terms of this Note, and unless otherwise expressly stated in writing, no
party who signs this Note, whether as maker, guarantor, accommodation maker or
endorser, shall be released from liability. All such parties agree that Lender
may renew or extent (repeatedly and for any length of time) this loan, or
release any part or guarantor or collateral; or impair, fail to realize upon or
perfect Lender's security interest in the collateral; and take any other action
deemed necessary by Lender without the consent of or notice to anyone. All such
parties also agree that Lender may modify this loan without the consent of or
notice to anyone other than the party with whom the modification is made.

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF
THIS NOTE. BORROWER AGREES TO THE TERMS OF THE NOTE AND ACKNOWLEDGES RECEIPT OF
A COMPLETED COPY OF THE NOTE.

BORROWER:

UNIVERSAL MONEY CENTERS, INC.

By: /s/ John L. Settles
    -------------------------------
    John L. Settles, PresidentAGREEMENT FOR ASSIGNMENT OF ATM SPACE LEASES

      This AGREEMENT FOR ASSIGNMENT OF ATM SPACE LEASES ("Agreement") is entered
into this 14th day of January, 2000 by and between UNIVERSAL MONEY CENTERS,
INC., a Missouri Corporation ("UMC"), and NATIONWIDE MONEY SERVICES, INC., a
Nevada Corporation ("NMS").

      WHEREAS, NMS is the tenant under ATM Space Lease Agreements ("Lease
Agreements") at eighteen (18) various locations throughout the United States
which are set forth on Exhibit A attached hereto and made a part hereof;

      WHEREAS, NMS wishes to sell, and UMC wishes to acquire, upon the terms and
conditions set forth herein, all of NMS's rights under the Lease Agreements at
all the sites, where NMS currently has placed automatic teller machines
(collectively "ATMs" and each an "ATM"), as set forth on Exhibit A hereto;

      NOW, THEREFORE, the Parties hereto agree as follows:

1.   PURCHASE. NMS hereby conveys and transfers to UMC as of the later to occur
     of January 21, 2000, 12:01 a.m. Eastern Standard Time and the date that all
     the conditions set forth in Section 4 herein are fully satisfied (the
     "Conveyance Date"), all rights NMS has under the Lease Agreements with the
     landlords at the (18) locations set forth on Exhibit A hereto
     (collectively, "Landlords" and each a "Landlord"). Pursuant to the Schedule
     1, attached hereto, NMS agrees to remove its ATMs from the locations 12
     through 18 as set forth on Exhibit A hereto ("El Paso ATMs") and will work
     with UMC to ensure UMC has assess to such sites to install its ATMs.

2.   PURCHASE PRICE.

     a.       As full payment for the rights herein transferred to UMC by NMS,
          UMC agrees to pay in cash or other immediately available funds a
          purchase price of one hundred thirty-eight thousand dollars
          ($138,000.00) (the "Total Purchase Price") to be paid as set forth
          below.

     b.       UMC agrees to pay NMS one-half (1/2) of the Total Purchase Price
          on the Conveyance Date.

     c.       UMC shall pay (as set forth below) the remainder of the Total
          Purchase Price in installments equal to the one-half (1/2) of Total
          Purchase price divided by 18 less the sum of all revenues generated by
          each ATM less the reasonable expenses incurred by NMS in connection
          with these ATMs until UMC has fully switched the processing and
          settlement systems to UMC's processing and settlement systems (each an
          "Installment Payment").

     d.       An Installment Payment shall be payable (i) for each location 12
          through 18 as set forth on Exhibit A hereto, at a reasonable time
          after UMC has placed an ATM at such

                                      -1-
<PAGE>

          location and such ATM is fully installed and operational under the
          Lease Agreement and (ii) for each location 1 through 11 as set forth
          on Exhibit A hereto, at a reasonable time after UMC has switched the
          processing and settlement systems from NMS systems to UMC systems and
          has determined that the ATMs placed by NMS at such location are fully
          installed and operational under the Lease Agreement; provided,
          however, assuming that UMC has been provided reasonable access to each
          location 1 through 18 to complete the actions set forth in this
          sub-clause (d)(i) and d(ii) and notwithstanding any provision to the
          contrary, UMC shall have paid NMS all the Installment Payments by a
          date no later than 30 days from the Conveyance Date.

3.   WARRANTIES OF NMS. NMS warrants to UMC that (a) the Landlords have no right
     to regulate or approve the charges UMC assesses its customers using the
     ATMs other than as stated in the Lease Agreements, (b) NMS has valid Lease
     Agreements in full force and effect with the Landlords at the sites where
     the ATMs are located, (c) all site rental fees and other contractual
     obligations under the Lease Agreements through the Conveyance Date will
     have been paid and/or performed by NMS, (d) NMS has not assigned any of its
     rights under any Lease Agreement to any third party, (e) NMS has provided
     to UMC true and correct copies of all of the Lease Agreements, (f) none of
     the Lease Agreements requires the consent of the landlord to assign NMS's
     rights thereunder to UMC, and (g) its agreements with the Landlords do not
     expire prior to December 10, 2003.

4.   CONDITIONS. UMC's obligations under this Agreement do not become
     effective, until the following conditions are satisfied to the reasonable
     satisfaction of UMC:

     a.       On or before January 21, 2000, NMS shall have obtained and
          delivered to UMC, in substantially the form attached hereto as
          Exhibits B and C, the prior written consent of each Landlord to NMS's
          assignment of its rights and obligations under the Lease Agreements to
          UMC.

     b.       On or before January 21, 2000, UMC shall have entered into a
          sublease with NMS pursuant to which UMC will sublease on a month to
          month basis the ATMs located at locations 1 through 11 as set forth on
          Exhibit A hereto ("Subleased ATMs"). Under the sublease, UMC shall pay
          rent of $100 per month per Subleased ATM.

     c.       On or before January 21, 2000, NMS shall have obtained the prior
          written consent to the sublease of the Subleased ATMs to UMC of each
          lessor from whom NMS leases the Subleased ATMs.

5.   NO ASSUMPTION; FURTHER AGREEMENTS.

     a.       The parties agree that UMC is not assuming liabilities or
          obligations of NMS arising under the Lease Agreements prior to the
          assignment of the Lease Agreements

                                      -2-
<PAGE>

          hereunder or arising out of or relating to any act or omission of NMS
          prior to the assignment of the Lease Agreements hereunder.

     b.       NMS shall be solely responsible for, and UMC shall have no
          responsibility for, (i) any damage to the El Paso ATMs removed from
          the locations 12 through 18, which occurs prior to, during or after
          such removal; or (ii) any costs or expenses incurred in removing the
          El Paso ATMs.

     c.       Each party to this agreement shall be responsible for the costs
          or expenses it incurs at each location 1 through 11 as set forth on
          Exhibit A hereto for switching the processing and settlement systems
          from NMS systems to UMC systems.

6.   EFFECT OF CONVEYANCE DATE - On and after the Conveyance Date, UMC shall be
     entitled to all revenues generated by the ATMs as set forth on Exhibit A;
     provided, however, if NMS is operating any such ATM because the processing
     and settlement systems have not been switched from NMS to UMC ("NMS
     Operated ATMs"), NMS shall pay to UMC all of the revenues generated by all
     NMS Operated ATMs, less: (a) a switch and communication fee of $.10 per
     transaction per NMS Operated ATM; and (b) reasonable pass-through expenses
     consisting of fees paid to Armored Couriers and 1st- and 2nd-line providers
     and other expenses as expressly agreed in writing by the parties hereto,
     which are incurred in connection with and specifically related to a NMS
     Operated ATM; provided, further, such reasonable pass-through expenses
     shall excluded overhead, taxes, litigation, employment or general
     operational expenses.

7.   MISCELLANEOUS PROVISION. This Agreement is entered into in the State of
     Florida and the County of St. Johns, and all questions of law and fact
     shall be determined under the laws under the laws of the State of Florida
     without reference to its choice of law rules.

8.   ATTORNEY'S FEES. In the event it shall be necessary to bring legal action
     to enforce any of the terms, covenants, and conditions of this Agreement,
     the prevailing party in addition to all other appropriate relief shall be
     entitled to reasonable attorneys fees as awarded by the applicable court.

9.   AUTHORITY OF SIGNATORS. Each party signing this Agreement represents and
     warrants that the officer signing on its behalf is fully authorized to
     execute this Agreement on behalf of such party, and that this Agreement is
     fully binding on such party.

                                      -3-

<PAGE>

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

     UNIVERSAL MONEY CENTERS, INC. ("UMC")

              /s/ David S. Bonsal
     BY:     ______________________________
     NAME:   David S. Bonsal
     TITLE:  Chief Executive Officer

     NATIONWIDE MONEY SERVICES, INC. ("NMS")

              /s/ Nationwide Money Services
     BY:     ______________________________
     NAME:   ______________________________
     TITLE:  ______________________________

                                      -4-
<PAGE>

                                   EXHIBIT A

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    Location Name    Location Address             Location City           State
--------------------------------------------------------------------------------
1   Farm Crest #1    2105 W. Colorado Avenue      Colorado Springs        CO
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2   Farm Crest #2    2129 Templeton Gap Road      Colorado Springs        CO
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3   Farm Crest #3    5510 S. Highway 85-87        Security                CO
--------------------------------------------------------------------------------
4   Farm Crest #7    8108 N. Academy Boulevard    Colorado Springs        CO
--------------------------------------------------------------------------------
5   Farm Crest #8    5050 Boardwalk Drive         Colorado Springs        CO
--------------------------------------------------------------------------------
6   Farm Crest #9    3945 Palmer Park Boulevard   Colorado Springs        CO
--------------------------------------------------------------------------------
7   Farm Crest #10   1989 W Mississippi Avenue    Denver                  CO
--------------------------------------------------------------------------------
8   Farm Crest #13   1970 S. Holly Street         Denver                  CO
--------------------------------------------------------------------------------
9   Farm Crest #15   11185 Ralston Road           Arvida                  CO
--------------------------------------------------------------------------------
10  Farm Crest #16   10798 W Jewell Avenue        Lakewood                CO
--------------------------------------------------------------------------------
11  Farm Crest #18   250 E. Dry Creek Road        Littleton               CO
--------------------------------------------------------------------------------
12  HOWDY'S #1       1100 Airway Boulevard        El Paso                 TX
--------------------------------------------------------------------------------
13  HOWDY'S #3       1095 Sunland Park            El Paso                 TX
--------------------------------------------------------------------------------
14  HOWDY'S #4       7301 N. Loop                 El Paso                 TX
--------------------------------------------------------------------------------
15  HOWDY'S #5       1130 Joe Battle Boulevard    El Paso                 TX
--------------------------------------------------------------------------------
16  HOWDY'S #7       12165 Montwood Boulevard     El Paso                 TX
--------------------------------------------------------------------------------
17  HOWDY'S #8       6990 N. Desert Boulevard     El Paso                 TX
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18  HOWDY'S #9       10701 Gateway Boulevard S.   El Paso                 TX
--------------------------------------------------------------------------------

                                      -5-
<PAGE>

                                   EXHIBIT B

[NMS - Letterhead]

January __, 2000

Mr. Terry D. Calhoun
Retail Supervisor
Transmountain Oil Company
6767 Gateway West
El Paso, Texas 79925

Dear Mr. Calhoun:

In January of 1999, Nationwide Money Services, Inc. ("NMS") relocated its
corporate offices from Calabasas, California to Ponte Vedra, Florida. With the
bulk of its business, including over 95% of its ATM network, located east of the
Mississippi River, this move was made to better service its existing business
while simultaneously expanding the business.

Subsequently, over the past few months, NMS has reviewed all facets of its
business and business strategy with an eye towards the 21st century. Many
difficult decisions have been made with the intent to reorganize, redesign and
rededicate human and financial resources.

As part of this detailed analysis, NMS has decided to concentrate it resources
east of the Mississippi River. Therefore, NMS believes that it is in the best
interest of all parties to assign the Space Lease Agreement (the "Agreement") by
and between Nationwide Money Services, Inc. and Transmountain Oil Company (d/b/a
Howdy's) to another qualified ATM provider.

After discussions with several companies, NMS has chosen Universal Money Center,
Inc. ("Universal") of Mission, Kansas as the company to which recommends the
assignment of the Agreement. Universal is a reputable provider of ATM services
with outstanding leadership from its management. NMS believes that Universal
will continue to provide a high level of service to Howdy's with a seamless
transition.

This decision to assign the Agreement is solely a business decision and in no
way reflects upon the relationship between NMS and Howdy's.

A representative of Universal will be contacting you to discuss a plan for a
smooth and timely transition which will include the installation of upgraded
ATMs.

                                      -6-
<PAGE>

Thank you for your understanding and consideration in this transaction.

Sincerely,

Craig Patrick
Regional Manager

ACKNOWLEDGEMENT AND CONSENT

Transmountain Oil Company (d/b/a Howdy's) ("Landlord") acknowledges receipt of
the attached Letter dated January __, 2000 from Mr. Craig Patrick of Nationwide
Money Services, Inc. ("NMS") to Mr. Terry D. Calhoun of Landlord and consents to
the assignment of Nationwide Money Services, Inc.'s rights, title and interests
under the Space Lease Agreement with Landlord to Universal Money Services, Inc.
("Universal") and consents and agrees that as of as the date of its signature
hereunder to give Universal reasonable access to the sites subject to such Space
Lease Agreement.

Date: _________________

                          Transmountain Oil Company (d/b/a Howdy's)

                          By:    ___________________________________________

                          Name:  ___________________________________________

                          Title: ___________________________________________

                                      -7-
<PAGE>

                                   EXHIBIT C

[NMS - Letterhead]

January __, 2000

Mr. Jack Rowland
District Manager
Farm Crest Milk Stores
_____________, Colorado  ___________

Dear Mr. Rowland,

In January of 1999, Nationwide Money Services, Inc. ("NMS") relocated its
corporate offices from Calabasas, California to Ponte Vedra, Florida. With the
bulk of its business, including over 95% of its ATM network, located east of the
Mississippi River, this move was made to better service its existing business
while simultaneously expanding the business.

Subsequently, over the past few months, NMS has reviewed all facets of its
business and business strategy with an eye towards the 21st century. Many
difficult decisions have been made with the intent to reorganize, redesign and
rededicate human and financial resources.

As part of this detailed analysis, NMS has decided to concentrate it resources
east of the Mississippi. Therefore, NMS believes that it is in the best interest
of all parties to assign the Space Lease Agreement (the "Agreement") by and
between Nationwide Money Services, Inc. and Farm Crest Milk Stores ("Farm
Crest") to another qualified ATM provider.

After discussions with several companies, NMS has chosen Universal Money Center,
Inc. ("Universal") of Mission, Kansas as the company to which it will assign the
Agreement. Universal is a reputable provider of ATM services with outstanding
leadership from its management. NMS believes that Universal will continue to
provide a high level of service to Farm Crest with a seamless transition.

This decision to assign the Agreement is solely a business decision and in no
way reflects upon the relationship between NMS and Farm Crest.

A representative of Universal will be contacting you to discuss a plan for a
smooth and timely transition.

                                      -8-
<PAGE>

Thank you for your understanding and consideration in this transaction.

Sincerely,

Craig Patrick
Regional Manager

ACKNOWLEDGEMENT AND CONSENT

Farm Crest Milk Stores ("Landlord") acknowledges receipt of the attached Letter
dated January __, 2000 from Mr. Craig Patrick of Nationwide Money Services, Inc.
("NMS") to Mr. Jack Rowland of Landlord, consents to the assignment of
Nationwide Money Services, Inc.'s rights, title and interests under the Space
Lease Agreement with Landlord to Universal Money Services, Inc. ("Universal")
and consents and agrees that as of as the date of its signature hereunder to
give Universal reasonable access to the sites subject to such Space Lease
Agreement.

Date: _________________

                          Farm Crest Milk Stores

                          By:    ___________________________________________

                          Name:  ___________________________________________

                          Title: ___________________________________________

                                      -9-

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