Document:

<PAGE>
                                                                   Exhibit 10.19

Nikhil Sinha, Paul H. Bristow, Steven F. Coleman and Colleen McKeown Adstedt
have entered into Change in Control Agreements which, as amended (see, Exhibits
10.29 and 10.30 to the Company's Annual Report on Form 10-K for the year ended
December 31, 2000), are substantially identical in all material respects to the
agreement with Mr. Finch that is incorporated by reference as Exhibit 10.18 to
this Annual Report on Form 10-K. John A. Blanchard III has also entered into a
Change in Control Agreement that is substantially identical in all material
respects to the agreement with Mr. Finch.<PAGE>
                                                                   Exhibit 10.28

[LOGO]

                                  CONFIDENTIAL
November 19, 2001

Paul Finch                                VIA FAX:    480-629-7670   (2 pages)
                                          ------------------------
eFunds Corporation
Gainey Center II, Suite 300
8501 North Scottsdale Road
Scottsdale  AZ  85253

Dear Paul:

As you know, the ONE(R) Application Development and Support Agreement dated
January 1, 2000 (the "Agreement") between Deluxe and eFunds expires on December
31, 2001 and as of such date Deluxe no longer is obligated to provide eFunds or
its customers access to the ONE System or perform any further services. Based on
our recent discussions, Deluxe's final offer is to extend the term of the
Agreement for four years until December 31, 2005 based on the revised pricing,
billing and terms set forth below. This offer is based on Deluxe making the same
general level and scope of services available to eFunds as have been provided to
eFunds this year under the Agreement.

-    OPERATIONAL SUPPORT SERVICES (TRANSACTION HANDLING).

     A "transaction" is defined as a completed electronic submission through the
     ONE System, including the corresponding response, if applicable. ALL
     transactions for a given month will be billed at the same transaction fee,
     determined by the TOTAL NUMBER of transactions handled for the month.
     (Example: In February 2002, 2,117,526 eFunds transactions are submitted
     through the ONE System; the fee would be $444,680.46 (2,117,526 x $.21))
     The fee is unaffected by transaction type (*with the exception of eFunds
     data contribution transmissions which are defined below) for the existing
     set of eFunds transactions. Any new or non-standard transactions will be
     subject to review by Deluxe for pricing. A minimum monthly transaction
     charge will apply throughout the extended term, 2002 through 2005. The
     minimum monthly transaction charges for the extended term are as follows:
     2002 - $183,333 per month; 2003 - $175,000 per month ; 2004 - $158,333 per
     month; 2005 - $150,000 per month. Subject to these minimum monthly
     transaction charges, the monthly transaction pricing tiers for the extended
     term are as follows:

<TABLE>
<CAPTION>
Monthly transaction volume          Per transaction fee
--------------------------          -------------------
<S>                                 <C>
0 - 833,333                                        $0.27
---------------------------------------------------------
833,334 - 1,666,667                                $0.24
---------------------------------------------------------
1,666,668 - 2,500,000                              $0.21
---------------------------------------------------------
2,500,001 - 3,333,333                              $0.18
---------------------------------------------------------
</TABLE>

*An additional fixed charge of $4,000 per month will be applied for standard
data contribution transmissions that utilize the ONE System as the transport.
The $4,000 charge is good up to a maximum of 40,000 data contribution
transmissions per month. Data contribution transmissions shall not be counted as
part of the monthly transaction volume.

Going forward, we agree to meet and work with eFunds to review and document
appropriate service level commitments, performance clauses and reporting.

<PAGE>

-    DEVELOPMENT SUPPORT

     Development Support will be billed as follows:

     -   Standard development provided by eFunds under the Professional Services
         Agreement will be billed as a "pass-through" at the same rate being
         billed to Deluxe by eFunds.

     -   Standard development support (Project Management / Business Analysis)
         at $88.00 / HOUR

     -   Non-standard development, non-standard development support requests and
         utilization of non-eFunds Professional Services resources will be
         evaluated and billed at separate rates.

     -   Travel and living expenses will be billed as incurred.

     -   ELECTRONIC DELIVERY SUPPORT

     The descriptions below refer to the services defined in Article 1.1
     DEFINITIONS of Exhibit A to the Agreement. Travel and living expenses will
     be billed as incurred.

     Standard Electronic Delivery Support will be billed as follows.

     -   Electronic Delivery Consultant (referred to as Electronic Delivery
         Expert (EDE) in the Agreement) at $78 / HOUR.

     -   Electronic Delivery Technical Services (EDTS) at $65 / HOUR

     -   Electronic Delivery Specialist (EDS) at $40 / HOUR

     -   Phone Trainer at $40 / HOUR

     -   Non-standard Electronic Delivery Support requests will be evaluated and
         billed at separate rates.

-     MISCELLANEOUS

Subject to eFunds' acceptance of this offer as provided below, the revised
pricing above and the following revisions to the Agreement apply effective as of
January 1, 2002:

     -   Billing for all services, including minimum monthly transaction
         charges, will be monthly with payment due thirty days from invoice
         date.

     -   As revised by this letter, the Agreement remains in effect until
         December 31, 2005.

While we hope these proposed prices and other revisions to the Agreement meet
your needs, this is Deluxe's final offer. eFunds may accept this offer by
countersigning this letter below and returning a fully signed copy to me via the
following fax number by close of business today: 651-481-4040. If we have not so
received this letter countersigned by eFunds as of close of business today, this
offer automatically expires. In that case, you will need to let us know to whom
at eFunds and/or your substitute solution provider we should direct your
customers' connectivity and service inquires in anticipation of the December 31,
2001 expiration of the Agreement..

Respectfully,

/s/ Chris Reagan
---------------------------
Chris Reagan
Vice President
Deluxe Financial Services, Inc.

eFunds Corporation

By:      /s/ Paul W. Finch
         ---------------------------

Title:   Executive Vice President

Date:    11/19/01
         ---------------------------

cc:      Chuck Feltz - Deluxe
         Bill Schaich - Deluxe
         Martin Romain
         Adam Elliott - eFunds<PAGE>
                                                                   Exhibit 10.29

                               eFunds Corporation
                    Executive Transition Assistance Agreement

TRANSITION ASSISTANCE AGREEMENT by and between eFunds Corporation, a Delaware
corporation (collectively with any successor entity, the "Company"), and Steven
F. Coleman ("Executive") dated as of the 7th day of December, 2001.

         WHEREAS, Executive is employed as a senior executive officer of the
Company in a policy making capacity;

         WHEREAS, the Compensation Committee ("Committee") of the Board of
Directors of the Company has determined that it is in the best interests of the
Company and its stockholders to ensure that the Company will have Executive's
full support of and participation in implementing the Company's business
strategies;

         WHEREAS, the Committee believes it is important to diminish the
inevitable distractions Executive may experience by virtue of the personal risks
and uncertainties associated with the implementation and execution of such
strategies;

         WHEREAS, the Committee has therefore determined to provide Executive
with assurances regarding the transition assistance benefits to be received by
Executive in the event of a loss of Executive's employment so that Executive can
provide his or her full attention and dedication to the business and affairs of
Company and the execution of its business strategies notwithstanding any
attendant personal uncertainties to Executive;

         WHEREAS, the Committee further believes it is important to secure
Executive's commitment not to compete with the Company nor solicit its employees
following any termination of Executive's employment (the date of any such
termination being hereinafter referred to as the "Separation Date");

         WHEREAS, it shall further be a condition to Executive's entitlement to
any payments hereunder that Executive release any claims against the Company and
its affiliates as of the Separation Date; and

         WHEREAS, it is the intention of the parties that this Agreement is not
an employment agreement and that Executive's employment with the Company shall
continue to remain "at-will" and terminable by the Company at any time for any
reason or no reason.

         NOW, THEREFORE, the parties hereto hereby agree as follows:

I.       Transition Support Payments.

         (a) Subject to the terms and conditions set forth in this Agreement, in
the event Executive's employment with the Company is terminated by the Company
without "Cause" (any such termination being hereinafter referred to as a
"Qualifying Termination"), Executive shall be entitled to the following
transition support payments:

                  (i)      During the twelve month period (the "Initial Payment
                           Period") following any Qualifying Termination,
                           Executive shall be compensated at a rate equal to
                           Executive's base salary (the "Base Amount") on the
                           Separation Date. Such compensation shall be paid in
                           accordance with the Company's regular payroll
                           practices, except that payments shall not be owing
                           hereunder until such time as Executive shall have
                           executed the Release attached as Exhibit A and the
                           seven day rescission period (the "Rescission Period")
                           referenced in Section 1(c) thereof shall have expired
                           without Executive having sent a notice of revocation

<PAGE>

                           or rescission to the Company, at which point any
                           accrued amounts which are then payable hereunder
                           shall be paid to Executive; and

                  (ii)     During the twelve month period (the "Extension
                           Period" and, collectively with the Initial Payment
                           Period, the "Payment Period") following the
                           expiration of the Initial Payment Period, Executive
                           shall be entitled to a monthly payment equal to the
                           amount, if any, by which the Base Amount exceeds the
                           monthly compensation received by Executive from a
                           subsequent employer (if any).

         (b) In order to be eligible to receive the differential payments
payable during the Extension Period, Executive must provide the Company with
documentation evidencing Executive's then-current monthly compensation, such as
a payroll statement from Executive's employer or, if applicable, a written
statement to the effect that Executive is not employed. Differential payments
will be made in arrears within 30 days of the Company's receipt of the
foregoing. Executive agrees to use diligent efforts to obtain new employment
consistent with his obligations under this Agreement during the Payment Period.
Executive further agrees not to disclose the existence of the differential
payments to any subsequent employer and to refrain from manipulating the
elements of Executive's compensation by any subsequent employer in a manner
designed to maximize the differential payments payable by the Company.

         (c) Transition support payments shall not be payable under this
Agreement in the event Executive's employment with the Company is terminated due
to the death or disability of Executive.

         (d) As used herein, "Cause" shall mean a termination by the Company of
Executive's employment with the Company by reason of:

                  (i)      Executive's engagement in illegal conduct or willful
                           misconduct that is demonstrably injurious to the
                           business of the Company or any entity controlling,
                           controlled by or under common control with the
                           Company (collective, the "Controlled Group");

                  (ii)     a continued failure by Executive to substantially
                           perform Executive's material duties after a written
                           demand for substantial performance is delivered to
                           Executive by the officer of the Company to which
                           Executive reports;

                  (iii)    Executive commits an act, or omits to take action, in
                           bad faith which action or inaction results in a
                           material detriment to one or more members of the
                           Controlled Group;

                  (iv)     Executive commits an act of fraud, misappropriation,
                           embezzlement or other acts of dishonesty in
                           connection with any member of the Controlled Group or
                           their customers or vendors;

                  (v)      Executive is convicted or pleads guilty or nolo
                           contendre to criminal misconduct constituting a
                           felony or gross misdemeanor involving a breach of
                           ethics, moral turpitude or other immoral conduct
                           reflecting adversely upon the reputation or interests
                           of any member of the Controlled Group or their
                           customers or vendors or Executive becomes subject to
                           criminal sanctions that will prevent Executive from
                           performing his or her duties in the ordinary course
                           for a period of time that is likely to exceed 30
                           days;

                  (vi)     Executive's use of narcotics, liquor or illicit drugs
                           has had a continuing and demonstrable negative effect
                           on Executive's ability to perform his or her duties
                           or responsibilities to the members of the Controlled
                           Group; or

                                       2
<PAGE>
                  (vii)    Executive is in default under any agreement between
                           Executive and the members of the Controlled Group or
                           Executive refuses to execute and deliver any lawful
                           agreement that the Company generally requires
                           Executive's peer executives to sign.

II.      Conditions.

         (a)      The Company's obligations under Section 1 are subject to the
                  following conditions:

                  (i)      Following the Separation Date, Executive must exhibit
                           professionalism in support of the Company's goals
                           when dealing with the Company's employees, the
                           customers and potential customers of the Controlled
                           Group and Executive's acquaintances;

                  (ii)     Executive must supply the members of the Controlled
                           Group with reasonable transition support for 30 days
                           following the Separation Date with respect to the
                           customers, potential customers and employees of the
                           Controlled Group to the extent requested by
                           management of the Company;

                  (iii)    Executive must not disparage the members of the
                           Controlled Group or their management during the
                           Payment Period;

                  (iv)     Executive must comply with this Agreement; and

                  (v)      Executive must have executed the Release form
                           attached as Exhibit A and must not have rescinded the
                           same during the Rescission Period.

         (b) In no event shall any amounts be payable under this Agreement if
the "Effective Date" should occur under that certain Change in Control
Agreement, dated May12, 2000 (the "Change in Control Agreement"), by and between
Executive and the Company, or if Executive shall become entitled to payments
pursuant to Section IV (H) of that Agreement prior to any Effective Date, in
either of which events Executive's entitlement to separation benefits shall be
determined solely by reference to the Change in Control Agreement and this
Agreement shall be wholly null and void. This Agreement is expressly made
subject to Section XI (F) of the Change in Control Agreement.

III.     Fringe Benefits.

Any and all benefits or other forms of compensation to Executive (such as the
disposition of any options held by Executive, the balance of Executive's account
under the Employee Stock Purchase or Deferred Compensation PlanS, 401(k) account
and accrued vacation pay) shall be governed by the rules applicable to such
plans and programs, as the same are in effect on the Separation Date; provided,
however, that the payments set forth in this Agreement are Executive's sole
entitlement to severance pay and Executive shall not also be entitled to receive
payment under the Company's standard severance programs.

IV.      No Solicitation.

Executive agrees that, during the Payment Period, Executive will not participate
in any way in the solicitation or hiring of any person then-employed by the
Controlled Group or who was so employed within 90 days of any such solicitation
or hiring by Executive or by a third party. For any breach of this provision of
this Agreement: (i) Executive shall be liable to the Company or other affected
member of the Controlled Group for liquidated damages (and not as a penalty)
resulting from any prohibited hiring in an amount equal to six months base
salary of the departing employee of the Controlled Group and (ii), in addition,
Executive shall indemnify and hold the Controlled Group harmless from all
reasonable attorney's fees and costs incurred by the Controlled Group in
connection with any dispute involving the participation of the

                                       3
<PAGE>
Executive in any prohibited solicitation or hiring which any member of the
Controlled Group obtains injunctive relief or is otherwise a prevailing party.
Amounts payable by Executive pursuant to this paragraph may be deducted from
payments due Executive hereunder.

                                       4
<PAGE>

V.       Non-Competition.

         (a) As an essential inducement to the Company to enter into this
Agreement, and as consideration for the promises of the Company contained
herein, Executive agrees that during the Payment Period, he or she will not:

                  (i)      Control or own (directly or indirectly) more than two
                           percent of the outstanding capital stock of or other
                           equity interest in any "Competitor;" or

                  (ii)     Serve as an officer, member, director, contractor,
                           agent, consultant, advisor or employee of or to any
                           Competitor wherever located; provided, however, that
                           the foregoing shall not, to the extent required by
                           the rules of ethics applicable to Executive, prohibit
                           Executive from acting as an attorney to any
                           Competitor;

                  (iii)    As used herein, "Competitor" shall mean any entity
                           engaged in the business of (i) processing debit, ATM
                           or EBT transactions or providing software that allows
                           others to process such transactions, (ii) providing
                           data-based risk management, decision support or
                           customer relationship management products and
                           services (including any check guarantee product),
                           (iii) managing or deploying networks of ATMs or (iv)
                           providing business process outsourcing services (such
                           as call centers or accounts receivable or payable
                           processing). Without limiting the generality of the
                           foregoing, "Competitors" shall include Equifax,
                           Experian, TransUnion, First Data Corporation, Concord
                           EFS, M&I, EDS and Total System Services.

         (b) Executive agrees that a breach by him or her of any of the terms of
this Agreement will cause great and irreparable injury and damage to the
Controlled Group and that the members of the Controlled Group shall have a right
to equitable relief, including, but not limited to, a temporary restraining
order, preliminary injunction, permanent injunction and/or order of specific
performance, as a remedy to enforce this Agreement or prevent a threatened or
potential breach of this Agreement by Executive. In addition, the Company will
be immediately relieved of any further obligations under Section 1 if Executive
should breach this Section 5.

VI.      Miscellaneous.

         (a) Executive may not assign or delegate any of Executive's rights or
obligations in respect of this agreement and any attempted assignment or
delegation shall be void and of no effect. This Agreement is binding upon and
enforceable by the Company and the other members of the Controlled Group and
their respective successors and assigns. This Agreement (but not the Release),
including the Company's payment obligations hereunder, will terminate upon the
death of Executive. This Agreement is governed by the substantive laws of the
State of Delaware, without regard to its conflicts of law rules.

         (b) This Agreement is intended to supercede and replace any other prior
severance agreements or arrangements between the parties, including, without
limitation, those contained in the offer letter dated February 14, 2000, between
Executive and the Company, which agreements and arrangements will, as of the
execution of this Agreement by Executive and the Company, be null and void and
of no further force and effect. This Agreement shall not, however, supercede or
replace any Confidentiality Agreement between Executive and any member of the
Controlled Group or the Change in Control Agreement, and each of such agreements
shall remain in full force and effect.

         (c) The failure of a party to insist upon strict compliance with any of
the terms, conditions or covenants expressed in this Agreement shall not be
deemed a waiver of such term, condition or covenant, or any other term,
condition or covenant, nor shall any waiver or relinquishment of any right or
power under this Agreement on one or more times be deemed a waiver or
relinquishment of such right or power or any other right or power at any other
time or times.

                                       5
<PAGE>

         (d) Whenever possible, each provision of this Agreement will be
interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Agreement is held to be prohibited by or invalid
under applicable law, such provision will be ineffective only to the extent of
such prohibition or invalidity, without invalidating the remainder of such
provision or the remaining provisions of this Agreement.

         (e) This Agreement may be executed in one or more counterparts, any one
of which need not contain the signatures of more than one party, but all such
counterparts taken together will constitute one and the same instrument.

         (f) Executive has been informed that the terms of this Agreement will
be open for acceptance and execution by Executive until December 31, 2001 during
which time Executive may consider whether or not to accept this Agreement and
consult with an attorney of Executive's choosing to advise Executive regarding
the same. If Executive does not execute and deliver this Agreement by such date,
the offer contained herein shall be wholly null and void.

IN WITNESS WHEREOF, Executive and the Company have hereunto set their hands as
of the dates set forth below.

                                           EXECUTIVE

                                           /s/ Steven F. Coleman
                                           Steven F. Coleman

                                           eFUNDS CORPORATION

                                           /s/ Colleen M. Adstedt
                                           Colleen M. Adstedt
                                           Senior Vice President
                                           Human Resources and Administration

                                       6
<PAGE>

                                                                       EXHIBIT A

                                     RELEASE

         WHEREAS, Steven F. Coleman ("Executive") is an employee of eFunds
Corporation, a Delaware corporation (the "Company");

         WHEREAS, Executive's employment with the Company has been terminated
effective as of _______, ______ (the "Separation Date");

         WHEREAS, Executive and the Company have previously entered into that
certain Executive Transition Assistance Agreement, dated as of December 7, 2001
(the "Transition Agreement"), pursuant to which the Company has agreed to make
certain payments to Executive following the termination of his or her
employment; and

         WHEREAS, it is a condition to the Company's obligation to make the
payments provided for in the Transition Agreement that Executive execute,
deliver and not rescind this Release.

         NOW, THEREFORE, IN CONSIDERATION OF THE FOREGOING, Executive and the
Company hereby agree as follows:

         1.       Release.

                  (a) As consideration for the promises of the Company contained
in the Transition Agreement, Executive, for himself and his successors and
assigns, hereby fully and completely releases and waives any and all claims,
complaints, rights, causes of action or demands of whatever kind, whether known
or unknown or suspected to exist by Executive (collectively, "Claims") which he
has or may have against the Company and any company controlling, controlled by
or under common control with the Company (collectively with the Company, the
"Controlled Group") and their respective predecessors, successors and assigns
and all officers, directors, shareholders, employees and agents of those persons
and companies ("the Released Parties") arising out of or related to any actions,
conduct, promises, statements, decisions or events occurring prior to or on the
Separation Date (the "Released Matters"), including, without limitation, any
Claims based on or arising out of Executive's employment with the Controlled
Group and the cessation of that employment; provided, however, that such release
shall not operate to relieve the members of the Controlled Group of any
obligation to indemnify Executive against any Claims brought against Executive
by any third party by reason of Executive's status as an officer or employee of
the Controlled Group. As an essential inducement to Executive to enter into this
Agreement, and as consideration for the promises of Executive contained herein,
the Company, for itself and its successors, assigns and affiliates hereby fully
and completely releases and waives any and all Claims which it or they have or
may have against Executive arising out of or related to the Released Matters;
provided, however, that such release shall not operate to relieve Executive from
any obligation to reimburse the members of the Controlled Group for any
disbursements (such as travel and entertainment expenses) improperly charged by
Executive to such Group. Executive and the Company each further agree that they
will not, and will cause their affiliates not to, institute any legal
proceedings against the persons released by them in respect of any Claim nor
will they authorize any other party, whether governmental or otherwise, to seek
individual remedies on their behalf with respect to any Claim. Executive and the
Company agree that, by signing this Release, neither party is waiving any Claim
arising after the Separation Date or under the Transition Agreement.

         (b) Executive's release of Claims is intended to extend to and include
Claims of any kind arising Title VII of the Civil Rights Act of 1964, as
amended, 42 U.S.C. Sections 2000e et seq., the Age Discrimination in Employment
Act, 29 U.S.C. Sections 621 et seq., the Americans with Disabilities Act, 42
U.S.C. Sections 12101 et seq., the Delaware Discrimination in Employment Act,
Del. Code Ann. Tit. 19,Sections 710-718, the Delaware Handicapped Persons
Employment Protections Act, Del. Code Ann. Tit. 19,Sections 720-728 and any
other federal, state or local statute, Executive Order or ordinance prohibiting
employment

<PAGE>
discrimination or otherwise relating to employment, as well as any claim for
breach of contract, wrongful discharge, breach of any express or implied
promise, misrepresentation, fraud, retaliation, violation of public policy,
infliction of emotional distress, defamation, promissory estoppel, equitable
estoppel, invasion of privacy or any other theory, whether legal or equitable.

                  (c) Executive has been informed of Executive's right to revoke
this Release insofar as it extends to potential claims under the Age
Discrimination in Employment Act by informing the Company of Executive's intent
to revoke this Agreement within seven (7) calendar days following the execution
of this Release by Executive. Executive has further been informed and
understands that any such rescission must be in writing and hand-delivered to
the Company or, if sent by mail, postmarked within the applicable time period,
sent by certified mail, return receipt requested, and addressed as follows:

                                    eFunds Corporation
                                    Gainey Ranch Center II
                                    8501 N. Scottsdale Road
                                    Suite 300
                                    Scottsdale, AZ  85253
                                    Attention:  General Counsel

The Company and Executive agree that if Executive exercises Executive's right of
rescission, under this Section (c), the Company's obligations under Section 1 of
the Transition Agreement shall be null and void.

         2.       Miscellaneous.

                  (a) Executive may not assign or delegate any of Executive's
rights or obligations in respect of this agreement and any attempted assignment
or delegation shall be void and of no effect. This agreement is binding upon and
enforceable by the Company and the other members of the Controlled Group and
their respective successors and assigns and inures to the benefit of Executive
and Executive's, heirs and executors. This agreement is governed by the
substantive laws of the State of Delaware, without regard to its conflicts of
law rules.

                  (b) The failure of a party to insist upon strict compliance
with any of the terms, conditions or covenants expressed in this Agreement shall
not be deemed a waiver of such term, condition or covenant, or any other term,
condition or covenant, nor shall any waiver or relinquishment of any right or
power under this Agreement on one or more times be deemed a waiver or
relinquishment of such right or power or any other right or power at any other
time or times.

                  (c) Whenever possible, each provision of this Agreement will
be interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Agreement is held to be prohibited by or invalid
under applicable law, such provision will be ineffective only to the extent of
such prohibition or invalidity, without invalidating the remainder of such
provision or the remaining provisions of this Agreement.

                  (d) This Agreement may be executed in one or more
counterparts, any one of which need not contain the signatures of more than one
party, but all such counterparts taken together will constitute one and the same
instrument.

                                       2
<PAGE>

         IN WITNESS WHEREOF, the Company and Executive have hereunto set their
hands to this Release as of the dates set forth below.

                                                   eFUNDS CORPORATION

Dated:                                             By:  ________________________
                                                   Its   _______________________

Dated:                                             ____________________________
                                                    Steven F. Coleman

STATE OF ___________)

County of ____________)

Subscribed and sworn before me
this ___ day of ___________, ____.

________________________________            seal
Notary Public, State of ________
My Commission expires:__________

                                       3

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