Document:

ex101

     

    SETTLEMENT
      AGREEMENT AND MUTUAL RELEASE

    

    

        This
      Settlement Agreement and Mutual Release (“Agreement”) is entered into by and
      between SECURED DIVERSIFIED INVESTMENT, a Nevada Corporation authorized to
      do
      business in California (“SDI”), on one hand, and LUIS LEON, an individual (“Mr.
      Leon”), and MARIA LEON, an individual (“Mrs. Leon”), (Collectively, “Plaintiffs”
or the “Leons”) on the other hand, (sometimes collectively referred to herein as
      the “Parties”) with reference to the following recitals:

     

    RECITALS

     

        A. On
      or
      about July 2004, SDI and Mr. Leon into an employment relationship in which
      Mr.
      Leon was hired as Chief Executive Officer of SDI.

        

        B. On
      or
      about January 5, 2005, SDI terminated Mr. Leon’s employment. 

     

        C. The
      Leons
      subsequently filed a lawsuit on April 1, 2005, styled Luis Leon, an individual,
      et. al, v. Secured Diversified Investment, Ltd., a Nevada corporation, with
      the
      Superior Court of California in and for the County of Orange, Central District
      Case No. 05CC04651, alleging causes of action for Breach of Contract, Promissory
      Estoppel, Intentional Misrepresentation, and Labor Code Violations as to Mr.
      Leon only, and Intentional Infliction of Emotional Distress and Negligent
      Infliction of Emotional Distress as to Mr. Leon and Mrs. Leon.

     

        D. SDI
      and
      the Leons would like to avoid the uncertainty, costs and risks involved if
      this
      action is further litigated and, as a result, want to settle the action in
      its
      entirety according to the terms of this Agreement.

     

        NOW,
      THEREFORE, in consideration of the foregoing recitals, promises, mutual
      covenants and warranties set forth herein, and for other good and valuable
      consideration, the receipt of which are hereby acknowledged, SDI and the Leons
      agree as follows:

     

    AGREEMENT 

         1. Payment
      of Settlement Amount

        

        1.1.
      SDI shall
      pay to the Leons the sum of exactly sixty five thousand dollars ($65,000.00).
      In
      addition, SDI shall deliver stock options to Mr. Leon with the following terms
      and conditions: Expiration date of 180 days of execution of this Agreement;
      option to purchase up to
      150,000-shares
      of SDI common stock at the strike price
      of
      15 cents per share; SDI to exercise reasonable and good faith efforts to deliver
      share certificates to conclude any option exercise. The Parties acknowledge
      and
      agree that 15 cents per share is a reasonable value of the SDI shares at the
      present time. The payment of the settlement amount set out above and the
      delivery of the stock options shall be in full and final settlement of all
      claims. The cash component shall be paid by check payable to the "The Feldhake
      Law Firm client trust account." 

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

       

      All
        arrangements for delivery of stock options and exercise shall be made directly
        with SDI's CFO, without the requirement to consult with counsel for
        SDI.

    

     

        1.2.
       Notwithstanding
      payment of the settlement amount and the issuance of the stock options, the
      Parties acknowledge that neither shall be considered the "prevailing party,"
      as
      defined by California Code of Civil Procedure section 1023(4), for purposes
      of
      recovering costs, because each party agrees to bear its own attorneys' fees
      and
      costs of this Action.

     

        1.3.
       Within
      ten days after execution of this Agreement and SD1's payment of the principal
      amount set out above, the Leons will file a Request for Dismissal with Prejudice
      of the entire action.

     

        2. Mutual
      Release.

     

        2.1 In
      consideration of the mutual promises and obligations set forth above, SDI and
      the Leons hereby forever release, acquit and discharge each other and their
      respective partners, directors, officers, employees, shareholders, agents,
      representatives, affiliates, heirs, personal
      representatives, successors and assigns from any and all rights, claims, causes
      of action, suits
      and
      liabilities of every kind or nature whatsoever, whether known or unknown,
      suspected or unsuspected,
      that they may have against each other which in any manner arise out of, relate
      to, or
      are
      connected with the Action or the matters reflected and described in the Recitals
      herein (collectively, the “Released Claims”).

     

        2.2
       The
      Parties intend that this Agreement shall be a full and final settlement
of,
      and
      bar to, any and all claims and/or causes of action arising between and/or among
      them. In
      connection therewith, the Parties acknowledge that they may hereafter discover
      facts different from or in addition to the facts which they may know or believe
      to be true with respect to the Released Claims, but that they intend to hereby
      fully and forever settle all disputes between and/or among them. In furtherance
      of such intention, the general release given herein shall be
      and
      remain in effect as a full and complete mutual release, notwithstanding
      discovery of any such different or additional facts. Therefore, the Parties
      acknowledge that they have been informed of and are familiar with the provisions
      of Civil Code section 1542, which provides as follows:

    

    A
      GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW
      OR
      SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE,
      WHICH
      IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE
      DEBTOR. 

     

        The
      parties
      hereby waive and relinquish all rights and benefits they have under Civil Code
      section 1542 to the full extent that they may lawfully waive all such rights
      benefits pertaining to the Released Claims. 

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

       

          2.3 The
        parties acknowledge that the execution of this Agreement affects the
        settlement of contested and denied claims. The parties agree that nothing
        contained in this Agreement shall be construed as an admission by any party
        of
        any liability to any other party in any way.

    

        

        3. Representations
      &
      Warranties.

    

    The
      Parties represent and warrant to each other as follows:

     

        3.1 That
      as
      of the date of their execution of this Agreement, they are unaware
      of any
      facts, conditions or matters relating to, arising out of, or connected with
      the
      events and/or transactions set forth in the Complaint, which would give rise
      to
      any claims for damages or equitable relief not being released by each party
      pursuant to the terms of this Agreement.

     

        3.2 That
      each
      party hereto has the requisite power and authority to enter into this Agreement
      and to consummate the transactions contemplated by this Agreement, and that
      this
      Agreement and all other agreements and instruments, to the extent they are
      to be
      executed by any corporate or partnership entity in connection with this
      Agreement, have been (or upon execution will have been) duly executed and
      delivered by such corporate or partnership entity, have been effectively
      authorized by all necessary action, corporate or otherwise, and constitute
      (or
      upon execution will constitute) legal, valid and binding obligations of the
      respective parties hereto.

     

        3.3 That
      no
      portion of any claim, demand, or cause of action that the Parties
      may or
      might have against the other, and which have been previously identified as
      Released Claims herein, have been assigned or transferred to any other person,
      firm or corporation, including, without limitation, any parent, subsidiary
      or
      affiliate of any party, in any manner, including by way of subrogation,
      operation of law or otherwise. In the
      event
      any third party makes a claim against a party to this Agreement based upon
      such
      an alleged transfer or assignment of a Released Claim, the party to this
      Agreement who is the alleged transferor or assignor
      shall indemnify and hold harmless the party to this Agreement against whom
      the
      claim
      is
      asserted.

    

        3.4 That
      in
      executing this Agreement, the Parties have relied solely upon their
      own
      judgment, belief and knowledge and on the advice and recommendations of their
      own independently selected counsel concerning the nature, extent and duration
      of
      their rights and claims. Further, the Parties acknowledge that they have not
      been influenced by any representations
      or statements concerning any matters made by any other
      parties or by any person
      or
      attorney representing any other parties in connection with the negotiation
      and/or execution of this Agreement.

     

        3.5 This
      Agreement is intended to be final and binding between and among the Parties
      and
      is further intended to be effective as a full and final accord and satisfaction
      between them regardless of any mistake of fact or law, or any other
      circumstances whatsoever.

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    The
      parties are relying upon the finality of this Agreement as a material factor
      inducing each party's execution of this Agreement.

     

        3.6 The
      Parties have made such investigation of the facts pertaining to the underlying
      disputes and this Agreement, and all of the matters pertaining thereto, as
      they
      deem
      necessary.

     

        3.7 The
      terms
      of this Agreement are contractual and are the result of arm's
      length
      negotiations between and among the Parties.

     

        3.8 This
      Agreement has been carefully read by each party, and the contents
      hereof
      are known and understood and freely executed by the Parties.

     

        3.9 The
      Parties covenant and agree not to bring any action, claim, suit or
      proceeding
      against the other, directly or indirectly, regarding or relating in any manner
      to any Released Claim, and each further covenants and agrees that this Agreement
      is a bar to any such claim, action, suit or proceeding.

     

        4. Representations
      regarding Stock Options.

        

    The
      Leons
      represent and warrant to SDI that they:

     

        (1)  are
      acquiring the Settlement Options for their own account as an investment and
      without an intent to distribute;

     

        (2)  acknowledge
      that the Settlement Options have not been registered under the Securities Act
      of
      1933, as amended, or any state securities laws, and that the Settlement
Options
      and any shares of SDI common stock received upon exercise of the Settlement
      Options
      may not
      be resold or transferred by such person without appropriate registration or
      the
      availability of an exemption from such requirements;

     

        (3)  have
      such
      knowledge and experience in business and financial matters in general
      as to be capable of evaluating SDI, its proposed activities, and the risks
      and
      merits of an
      investment in the Settlement Options and any shares of SDI common stock received
      upon exercise of the Settlement Options;

     

        (4)  have
      had
      an opportunity to ask questions and receive answers from SDI regarding any
      information they consider necessary or appropriate in deciding whether to enter
      into the Agreement and acquire the Settlement Options; and

     

        (5)  are
      an
      "accredited investor" within the meaning of SEC Rule 501 of Regulation D, as
      presently in effect.

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

        5.  Amendment.
      This
      Agreement may not be modified, altered or changed except upon express written
      consent of both parties wherein specific reference is made to this
      Agreement.

     

        6.  Non-Disparagement. In
      response to inquiries from third parties concerning the status or disposition
      of
      this dispute and the Action, the Parties and their respective attorneys will
      state only that the dispute has been resolved and that neither party can discuss
      it except to the extent of any mutually agreeable writings prepared by or for
      the Parties for release and dissemination. Should either Party allege a breach
      of this provision, the prevailing party on as to the allegation will be entitled
      to reasonable attorneys' fees and costs in having to defend or prosecute the
      allegation, in addition to such other damages as may have resulted from the
      violation.

     

        7.  Confidentiality. The
      Parties and their respective attorneys agree that they will not publicize or
      disclose or cause or knowingly permit or authorize the publicizing or disclosure
      of the contents of this Agreement or of the negotiations leading up to it to
      any
      person, firm, organization or entity of any and every type, public or private,
      for any reason, at any time, without the prior written consent of each other
      unless otherwise required to do so by operation of law or legal process. The
      Parties acknowledge their intention that the provisions of this Paragraph 5
      create no liability for disclosures made: (a) prior to its execution, (b) by
      the
      Leons in confidence to each other or their attorneys or SDI in confidence to
      its
      attorneys, (c) by persons from public information released prior the execution
      of this Agreement, (d) to enforce the terms of this Agreement, (e) as otherwise
      required by law, or (f) as to matters already a matter of public record prior
      to
      execution. The parties hereto acknowledge that SDI is subject to the securities
      laws as a publicly-traded company and may therefore be required to disclose
      all
      or portions of this Agreement in accordance with applicable securities
      laws.

    

    The
      foregoing notwithstanding, the Parties and their respective attorneys,
      acknowledge the
      confidentiality provisions of this Paragraph 5 constitute a material inducement
      of both parties
      to enter
      into this Agreement. The Parties are permitted, however, to make confidential
      disclosures limited to the consideration and settlement amounts set forth in
      Paragraph I above (hereafter "Permitted Disclosure"), as required, to their
      spouse, accountants or to governmental authorities. However, each such person
      so
      informed shall be bound to the confidentiality provisions hereof with regard
      to
      only the subject matter of the Permitted Disclosure, and except as to
      governmental authorities any breach of this Paragraph 5 by any such person
      so
      informed shall constitute a breach by the Parties, as applicable, of Paragraph
      5. Should either Party allege a breach, the prevailing party on as to the
      allegation will be entitled to reasonable attorneys' fees and costs in having
      to
      defend or-prosecute the allegation, in addition to such other damages as may
      have resulted from the violation. Reference requests should be directed to
      Jan
      Wallace, SDI's President (or her successor or designee), who will confirm only
      Mr. Leon's prior employment position with SDI, and dates of employment. date
      of
      hire and date of resignation. To the
      extent that there is a breach of this provision, or if there is any other
      reference made to a third
      party as
      to Mr. Leon which reference adversely impacts Mr. Leon, Mr. Leon reserves any
      rights and remedies he may have, and will not be limited to breach of this
      Agreement.

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

        8.  Attorneys'
      Fees. If
      legal
      proceedings are commenced by any party hereto to enforce or interpret the
      provisions of this Agreement, the prevailing party shall be entitled to recover
      all of such party's attorneys' fees and costs and expenses of litigation,
      including any fees and costs incurred in enforcing any resulting judgment or
      award.

     

        9.  Entire
      Agreement. All
      agreements, covenants, representations and warranties, expressed and implied,
      oral and written, by each party to this Agreement concerning its subject matter
      are contained herein. No other agreements, covenants, representations or
      warranties, expressed
      or implied, oral or written, have been made by any party to any other party
      concerning
      the
      subject matter of this Agreement. All prior and contemporaneous conversations,
      covenants and warranties concerning the subject matter of this Agreement are
      merged herein. This is a fully integrated Agreement.

     

        10.  No
      Construction Against Drafter. The
      Parties agree that each has participated in arriving at the final language
      of
      this Agreement and, therefore, this Agreement shall not be construed against
      any
      party as the drafter.

     

        11.  All
      Remedies Available for Breach of the Agreement. All
      remedies, including without limitation specific performance, shall be available
      for a breach of this Agreement.

     

        12.  Counterparts. This
      Agreement may be executed in counterparts, and/or by facsimile, and when all
      the
      Parties have signed and delivered at least one such counterpart to each other,
      each counterpart shall be deemed an original, and, when taken together with
      other signed
      counterparts, shall constitute one agreement, which shall be binding upon and
      effective as
      to the
      Parties. No original signatures shall be required to establish the validity
      or
      authenticity of this Agreement.

     

        13.  Successors. This
      Agreement shall be binding on and shall inure to the benefit of the heirs,
      representatives, administrators, executors, successors and assigns.

     

        14.  Governing
      Law. This
      Agreement shall be construed in accordance with, and shall be governed by,
      the
      laws of the State of California.

     

        15.  Severability. If
      any
      portion of this Agreement is declared by a court of competent jurisdiction
      to be
      invalid or unenforceable, such a portion shall be deemed severed from
      this
      Agreement, and the remaining portions shall remain in full force as though
      such
      invalid
      or
      unenforceable provisions or portions had not been a part of this
      Agreement_

     

        16.  Survival.
      The
      warranties and representations of this Agreement are deemed to
      and do
      survive the closing hereof.

     

        17.  Effect
      of Headings. Captions
      of the sections of this Agreement are for convenience and reference only, and
      the words contained in the captions shall in no way be employed to explain,
      modify, amplify or aid in the interpretation, construction or meaning of the
      provisions of this Agreement.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

       

          18.  Disclaimer
        of Third Party Beneficial Contract. By
        execution hereof, the Parties specifically disavow any desire or intention
        to
        create a "third party" beneficiary contract, and specifically declare that
        no
        person or entity, save and except for the Parties, their heirs, successors,
        and
        assigns, shall have any rights hereunder nor any right of enforcement
        hereof.

    

     

        19.  Entry
      of Judgment. In
      the
      event that the terms of Paragraphs 1 and 2 are not fully performed, the Parties
      agree that this Agreement shall serve as a written stipulation by the Parties
      for settlement of the pending Action pursuant to California Code of Civil
      Procedure section 664.6, and that the Orange County Superior Court, upon motion,
      may enter judgment pursuant
      to the terms of the settlement contained in this Agreement. To effectuate that
      purpose,
      the
      Parties specifically request the Orange County Superior Court to retain limited
      jurisdiction over them and this Agreement.

     

        20.  Notices. All
      notices required under this Agreement shall be deemed effective if served by
      telecopier or, in the option of the sender, by Federal Express or other
      overnight delivery system, and shall be forwarded to the Parties as
      follows:

     

        A.  If
      to Plaintiffs Luis Leon and Maria Leon

    

    228
      Windward Way Niceville, FL 32578

    

    With
      a
      copy to:

    c/o
      Dimitri P. Gross

    The
      Feldhake Law Firm, A Professional Corporation

    19900
      MacArthur Blvd. Tower II, Suite 850, Irvine,California 92612 

    Tel:
      (949) 553-5000 

    Fax:
      (949) 553-5098

     

        B.  If
      to Defendant Secured Diversified Investment, Ltd.

    

    Attn:
      Claire C Ambrosio, Secretary and Agent for Service 

    5455
      Wilshire Boulevard, Suite 1706

    Los
      Angeles, CA 90036

    

    With
      a
      copy to:

    c/o
      Joseph R. McFaul, Esq. The Williams Law Firm, PC 

    100
      Bayview Circle 

    South
      Tower, Suite 330

    Newport
      Beach, CA 92660-2984

    Tel:
      (949) 833-3088 Fax: (949) 833-3058

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

       

          Should
        addresses, facsimile numbers or other identified information change, notice
        shall
        be given
        in accordance with this provision.

    

     

        21.  Time
      is of the Essence. Time
      is
      of the essence in the performance of each and
      every
      obligation to be performed by the Parties as set forth in this
      Agreement.

     

        22.  Effective
      Date. This
      Agreement shall be effective as of the date of its complete
      execution by the last signing party.

    

    EACH
      OF THE UNDERSIGNED HEREBY DECLARE THAT THE TERMS OF THIS SETTLEMENT
AGREEMENT
      AND MUTUAL RELEASE HAVE BEEN COMPLETELY READ AND ARE FULLY UNDERSTOOD, AND
      BY
      EXECUTION HEREOF VOLUNTARILY ACCEPT THE TERMS WITH '1HE INTENT TO BE LEGALLY
      BOUND THEREBY.

     

        IN
      WITNESS
      WHEREOF, the
      parties have executed this Settlement Agreement and Mutual
      Release
      as of the date first set forth above.

     

        Dated:
      May
      ___,  2006                   SECURED
      DIVERSIFIED INVESTMENT, LTD., a Nevada corporation

     

                                                                                                       
      By:_____________

    Name:
      Jan
      Wallace

     

    

    Dated
      May
      31, 2006                    By:
      _____________

                                      Luis
      Leon

     

     

    Dated
      May
      31, 2006                    By:
      _____________

                                         
      Maria Leonex104

    BRANCH
      MANAGER AGREEMENT

     

    THIS
      "AGREEMENT" is made and entered into by
      and
      between Americash, a California
      corporation ("Employer")
      and Jan
      Wallace
      ("Employee").

    

    RECITAL

    A.  Employer
      is a California corporation, which
      provides
      financial services.

    B.  Employer
      and Employee desire to enter into this Agreement to
      establish the terms and
      conditions of Employee's employment as a branch manager as set forth
      below.

    

    AGREEMENT

    NOW,
      THEREFORE, in consideration of the foregoing premise, as well as the
      promises,
      covenants and conditions set forth herein, the parties agree as
      follows:

    

    1.
      Employment:
      Employer
hereby
      employs
      Employee in the capacity of Branch Manager of Employer's offices located at
      12202
      N. Scottsdale Road, Phoenix, AZ 85254. Employee
      accepts such employment. Employee's job duties and responsibilities,
      to be
      performed
      with the
      approval and concurrence of the President of Employer are as
      follows:

     

    A.
      Manage
      and supervise the operations of the Branch in general;

    B.
      Hire,
      terminate and supervise employees of the Branch;

    C.
      Supervise and implement general marketing strategies for the Branch in
 
      accordance with
      Employer's
      general plans and policies; and

    D.
      Generate and process loans in accordance with
      Employer's general plans  
      and
policies
      and in compliance with Employer's underwriting standards.

    

    Such
      duties may be curtailed, augmented or modified from time to time as deemed
      mutually agreeable
      to Employee
      and Employer. Employee will at all times perform his job
      duties
      in
      an honest and ethical manner and will, at a minimum, comply with the provisions
      of any and all state
      or
      federal statutes, laws, rules or regulations applicable to Employer or of any
      requirement of
      any federal
      or state
      agency having jurisdiction over Employer
      including but not limited to the
      United
      States Department of Housing and Urban Development.

     

    Employee
      acknowledges and agrees that Employee will devote his utmost knowledge
      and
      best
      skill to the performance
      of
      his
      duties and will devote his full business time to the rendition of such services.
      Employee will not engage in any other gainful occupation, including but not
      limited to marketing, distribution or development of any products related to
      the
      real estate loan industry which
      requires his personal attention
      without prior written consent of the President of
      Employer
      ("President"). Americash is aware that Jan Wallace is CEO of SDI.

     

        1.1 Employees of Branch Managers.
      Any and
      all Employees hired by Branch Manager shall have completed a "new hire employee
      package". This package shall be submitted to Americash's corporate office.
      All
      prospective employees shall be first approved
      by Americash prior to employment. No individual is
      permitted
      to become an employee without corporate approval. Americash
      agrees that approval to hire shell

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

        
        

      

    

    not
      be
      unreasonably withheld and that a response will be provided to Branch Manager
      within 3 days of receipt of the prospective employee's information at
      Americash's corporate office. All agreements for compensation or other
      agreements made with prospective employees shall be first approved
      by Americash. With
      the
      permission of the main office, Branch Managers may choose to hire an employee(s)
      to assist with their needs. Prior to hiring any employee, the necessary new
      hire
      paperwork and background checks must be completed and received by the main
      office. It will be the responsibility of the
      Branch
      Manager to provide the necessary funds to cover the wages and employer taxes
      of
      any persons working under them. Should any Branch Manager fail to maintain
      the
      required branch reserves, their employee(s) may be terminated and any pay due
      to
      the employee(s), exceeding the account balance, will be deducted from the Branch
      Manager's next loan funding. A commission paid position (i.e. loan officer)
      does
      not require a reserve or deposit by the Branch Manager provided that the
      commissioned employee is paid upon funding. ALL compensation agreements are
      to
      be in writing and included in new employee package to be reviewed by Americash's
      corporate office. Americash will provide the Branch Manager with 2 day's prior
      written notice of the failure to maintain the required branch reserves before
      any employee(s) are terminated.

    

    2.
      Uniqueness
      of Employee's Services.
      Employee
      hereby represents and agrees that the services to be performed by him under
      this
      Agreement are of special, unique, unusual, extraordinary
      and intellectual character which gives them a particular and peculiar value,
      the
      loss
      of which
      cannot be reasonably or adequately compensated in damages in an action at law.
      Employee, therefore, expressly agrees that Employer, in addition to any other
      rights or remedies which Employer may possess, shall be entitled to injunctive
      and other equitable relief to prevent a breach of this Contract by
      Employee.

    

    3. At-Will
      Employment.
      Employee
      and Employer understand and expressly agree that Employee's
      employment may be terminated by Employer
      or by Employee at any time, with or without notice and with or without cause.
      Employee and Employer expressly agree that this provision is intended by
      Employee and by Employer to be the complete and final expression of their
      understanding regarding the terms and conditions under which Employee's
      employment may be terminated. Employee and Employer further understand and
      agree
      that no representation contrary
      to thus provision is valid, and that this provision may not be augmented,
      contradicted or
      modified
      in any way, except by a writing signed by Employee
      and
      by
      the President.

    

    4.
      Compensation.
      As
      compensation for the services to be rendered by Employee hereunder, Employer
      shall pay Employee pursuant to the schedule attached hereto as Schedule "A",
      less withholding for state and federal taxes and employee portions of
      FICA
      and
      SDI. Any fees from loans generated by Employee prior to Employee's termination
      with Employer, but which loans close after, but within thirty (30) days of
      Employee's termination, for whatever cause, will be paid to Employee, according
      to the schedule referenced above in this subparagraph. The payment of
      commissions to Employee shall be subject to the following
      provisions:

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

        
        

      

    

     

        4.1 Deduction of Expenses,
      Employee
      authorizes Employer to deduct from any
      commissions due at termination of this Agreement all financial obligations
      owed
      to Employer
      that are imposed by the terms of this
      Agreement, including, but not limited to, past
      due fees,
      dues,
      late charges and expenses of commission payable to Employee. All
      outstanding balances due Employer shall be applied first to unpaid fees, dues
      and licenses, then to miscellaneous shared expenses and then to personal
      expenses.

     

        4.2 Commission
      Split on
      Termination. In
      the
      event Employee leaves and has
      transactions pending that require further services normally rendered by
      Employee, Employer shall make arrangements with another person in the employ
      of
      Employer to perform the required services, and the new person assigned shall
      be
      compensated for completing the details of pending transactions and such
      compensation shall be deducted from the terminated Employee's share of the
      commission.

     

        4.3 Split
      Commissions.
      In the
      event Employee participates in
      such work
      with
      another
      employee of Employer, Employee's share of the commission shall be divided
      between the participating persons according to the agreement between them,
      or by
      arbitration.

     

        4.4 Receipt
      of Commissions.
      All
      commissions will be received by Employer.
      Employee's share of such commissions, however, shall be payable to Employee
      on the
      normal
      payroll cycle (15th
      and 31st
      of the month) for loans funded through closing of
      the prior
      payroll cycle (i.e. loans funding from 7/1 to 7/15 are paid on 7/31 payroll
      and
      loans
      funding
      from 7/16 to 7/31 are paid on 8/15
      payroll).

     

        4.5 Non-Liability
      for Uncollected Commissions.
      In no
      event shall Employer
      be
      liable to
      Employee for Employee's share of commissions not collected, nor
      shall
      Employee be entitled to any advance or
      payment
      from Employer upon future commissions.

     

        4.6 Amount
      of Commissions.
      Employer's usual and customary commissions
      from
      time to time in effect, shall he charged to the parties for
      whom
      services are performed
      except that Employer may agree in writing to other rates with
      such parties.
      Employer will advise Employee of any special commission rates made with
respect
      to listings or
      borrowers
      as provided
      in this paragraph. When Employee shall have performed any work hereunder whereby
      any commission shall be earned and when such commission shall have been
      collected, Employee shall receive
      a
      commission in accordance
      with the current commission schedule set forth in Employer's written policy
      and
      agreed to by Employee based upon commissions actually
      collected
      from each loan that is funded as per Schedule "A". In consideration therefore,
      Employee
      agrees to and does
      hereby contribute all right
      and
      title to
      such
      borrowers to Employer for the benefit and use of Employer.

     

        5.
      Employer's
      Policies
      and
      Regulations.
      Employee
      agrees to comply with Employer's policies
      and regulations, including those set forth in Employer's policies and procedures
      manual,

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

        
        

      

    

     

    if
      any,
      and any subsequent amendments or additions thereto and Employer's underwriting
      standards
      for loans and any amendment or additions thereto. In the event of any conflict
      between
      those
      policies and regulations and this Agreement, the terms of this Agreement shall
      govern,

     

        6.
      Solicitation
      of Employees or Customers.
      The
      non-solicitation covenants contained in paragraph 6 will be mutually binding
      on
      the Employer and Employee. Neither Employer nor Employee
      shall solicit their respective employee(s), independent contractor(s), or
      customer(s) as described
      below, provided that nothing herein will restrict the rights of subsequent
      purchasers of
      closed
      loans to solicit their servicing portfolio.

     

        6.1 Information
      About Other Employees and Independent Contractors.
      Employee
      will be called upon to work closely with employees and independent contractors
      of Employer in performing services under this Agreement. All information about
      such employees and/or independent contractors which becomes known to Employee
      during the course of his employment with Employer, and which is not otherwise
      known to the public, including compensation or commission structure, is a Trade
      Secret of Employer, as defined below, and will not be used
      by
      Employee in soliciting employees and/or independent contractors of Employer
      at
      any time during or after termination of his employment with
      Employer.

     

        6.2 Solicitation
      of Employees and Independent Contractors Prohibited.
      During
      Employee's employment and for two years following the termination of
      Employee's
      employment, Employee will not, directly or indirectly ask or encourage any
      employee(s) and/or independent contractor(s) of Employer to leave their
      employment with Employer, solicit any employee(s) and/or independent
      contractor(s) of Employer for employment, make any offer to compensate any
      employee or independent contractor of Employer
      as an employee, independent contractor or otherwise, or retain any employee
      or independent
      contractor of Employer as an employee, independent contractor or
      otherwise.

     

        6.3 Solicitation
      of
      Customers Prohibited.
      For a
      period of two years following
      the
      termination of Employee's employment, Employee will not, directly or indirectly,
      solicit the business of any of Employer's customers.

     

        7.
      Further
      Restrictive Covenants.
      The
      Trade Secrets covenants contained in paragraph 7 will be mutually binding on
      the
      Employer and Employee. Neither Employer nor Employee shall make improper use
      or
      disclosure of their respective Trade Secrets. Disclosure of Trade Secrets to
      someone who is not an employee of Employer must first be authorized in writing
      by the President on behalf of Employer or by the Branch Manager on behalf of
      Employee.

     

        7.1 Trade
      Secrets.
      During
      the course of Employee's employment, Employee will have access to various trade
      secrets of Employer. A "Trade Secret" is information which is not generally
      known to the public and, as a result, is of economic benefit to Employer in
      the
      conduct of its business. Employee and Employer agree that Trade Secrets
      include, but are not limited to, all information developed or obtained by
      Employer
      and
      comprising the following items, whether or not such items have been reduced
      to

     

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

        
        

      

    

     

    tangible
      form (e.g. physical writing) all methods, techniques, processes, ideas, research
      and development, trade names, service marks, slogans, forms, customer lists,
      pricing structures, menus, business forms, marketing programs and plans, layouts
      and designs, financial structures, operational methods and tactics, cost
      information, the identity of or contractual
      arrangements with suppliers, the identity
      or buying
      habits of customers, accounting
      procedures, and any document, record or other information of Employer relating
      to the above. Trade Secrets include not only information belonging to Employer
      which existed before the date of this Agreement, but also information developed
      by Employee for Employer or its employees during the term of this Agreement
      and
      thereafter.

     

        7.2 Restriction
      on Use of Trade Secrets.
      Employee
      agrees that his use of Trade
      Secrets is subject to the following restrictions during the term of the
      Agreement
      and for
      an indefinite period thereafter so long as the Trade Secrets have not become
      generally known to the public:

     

        7.2.1
      Non-Disclosure.
      Employee
      will not publish or disclose, or allow to be published or disclosed, Trade
      Secrets to any person who is not an
      employee
      of Employer unless such disclosure is necessary for the performance of
      Employee's obligations under this Agreement. Disclosure to someone who is not
      an
      employee of Employer must first be authorized in writing by the
      President.

     

        7.22
      Use
      Restriction.
      Employee
      will use Trade Secrets only for the limited purpose for which they were
      disclosed. Employee will not disclose any Trade Secrets
      to any third party (including subcontractors) without first obtaining
      Employer's
      written
      consent and will disclose Trade Secrets only to Employer's own employees having
      a need to know, Employee will promptly notify Employer of any Trade Secrets
      improperly or prematurely disclosed.

     

        7.23
      Non-Removal.
      Employee
      will not remove any Trade Secrets from the offices of Employer or the premises
      of any facility in which Employer is performing services, or allow such removal,
      unless permitted
      in
      writing by the President.

     

        7.2.4
      Surrender
      Upon Termination.
      Upon
      termination of his employment
      with Employer for any reason, Employee will surrender to Employer
      all
      documents and materials in his possession or control which contain Trade
      Secrets.

     

        8.
      Unfair Competition, Misappropriation of Trade Secrets and Violation of Solicitation Clauses.
      Employee
      and Employer acknowledge that unfair competition, misappropriation of Trade
      Secrets or violation of any of the provisions contained in paragraphs 6 or
      7
      would cause irreparable injury, that the remedy at law for any violation or
      threatened violation thereof would be inadequate, and that Employer or Employee
      will be entitled to temporary and permanent injunctive relief without the
      necessity of proving actual damages. Employee and Employer agree that temporary
      and permanent injunctive or other equitable relief will be available in a court
      of law regardless of the arbitration provision set forth in this
      Agreement.

     

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

        
        

      

    

     

        9.
      Disclosure to
      Subsequent Employers.
      Employee
      agrees to make any subsequent employer aware of all obligations in
      paragraphs
      6 and 7 of this Agreement.

     

        10.
      Representation
      Concerning Prior Agreements.
      Employee
      represents to Employer that he is not bound by any non-competition or
      non-solicitation agreement that would preclude, limit or in any manner affect
      his employment with Employer. Employee further represents that he can fully
      perform the duties of his employment without violating any obligations he may
      have
      to any
      former employer, including but not limited to,
      misappropriating
      any proprietary information acquired from a prior employer and agrees that
      he
      has not and will not misappropriate any proprietary information acquired from
      any prior employer. Employee agrees that he will indemnify and hold Employer
      harmless from any and all liability and damage, including
      attorneys'
      fees and costs, resulting from any breach of this provision.

     

        11.
      Conflict
      of Interest.
      Employee
      acknowledges that the obligations of the Employee are special and unique.
      Employee agrees that he will not at any time during
      the
      term
      of employment serve as
      an
      officer, director,
      employee,
      or
      otherwise
      have
      an
      interest in any entity that engages in business similar to that of Employer
      and
      Employer's subsidiaries. This provision does not apply to stock ownership in
      a
      publicly traded company.

     

        12. Limitations
      on Authority.
      Without
      the express written consent from the President,
      Employee
      has no authority to:

     

    
      	a)  	
              Pledge
                the credit of Employer or
                any of
                its other employees;

            

    
      	b)  	
              Release
                or discharge any debt in
                excess
                of $100.00 due to Employer unless the Employer has received the full
                amount thereof; and

            

    

    
      	c)  	
              Sell,
                mortgage, transfer or otherwise dispose of any non-inventory assets
                of the
                Employer which have a fair market value in excess of
                $100.00

            

    

     

        13.
      Personnel
      Policies and
      Procedures.
      Employer
      has the authority to establish from time to time personnel policies and
      procedures to be followed by its employees. Employee agrees
      to
      comply
with
      the
      policies and procedures of the Employer. To the extent any
      provisions
      in
      Employer's personnel policies
      and procedures
      differ with the terms of this Agreement, the terms of this Agreement apply.
      In
      no case will any personnel policies or procedures be deemed to contradict the
      at-will employment provision in this Agreement.

     

        14.
      Automobile.
      Employee
      will, at his own expense, procure an automobile for any use in traveling and
      making calls on clients and prospective clients. Employee agrees to indemnify
      and hold Employer harmless from any claims arising out of or relating
in
      any
      way
      to the operation or use of that automobile by Employee. Furthermore, Employee
      will at all times during the term of his employment keep in full force and
      effect, at his sole expense, a policy of automobile insurance on each automobile
      used by him at any time to carry out any of the duties of his
      employment.

     

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

        
        

      

    

     

        15.  Processing.
      Branch
      offices may have their own processing approved by Americash. Loan officers
      may
      not process loans they originate. If the Branch Manager chooses to have the
      loan
      file processed by Americash's corporate office, there will be an additional
      $395.00 assessed for each loan funding. Americash in its sole discretion may
      choose not
      to
process
      a
      Branch
      Manager's
      loan file. Cause for this could be poor quality of loan file or a high
      percentage of fall out of the Branch Manager's loan files.
      This shall be the fee for all loans up to $500,000.00. Any
      loan
      amounts above $500,000.00 or
      construction
      loans or
      commercial
      loans shall be charged
      $495.00 per loan file
      processed and funded. Should Americash's corporate office choose to
      have non-branch
      loan tiles processed by the
      branch office, the same fee schedule would apply.

     

        16.  Loan
      Register.
      Employee
      hereby agrees to maintain a ledger reflecting the status of
      all loans
      held
      or
      currently in process by Employee's branch and to forward this register weekly
      to Employer
      via facsimile or e-mail transmission.

     

        17.  Advertising.
      No
      advertising in any form is to be used by Employee prior to written approval
      from
      Employer.

     

        18.  Accounts.
      No
      savings, checking, investment or other accounts may be established by Employee
      in the
      name
      of Employer or in any name
      similar to that
      of
      Employer. The determination
      as to similarity of names is within the sole
      discretion of Employer.

     

        19.  Loan
      Repurchase/Post Settlement Adjustments/Premium Recapture.
      If, as
      result of the representations and/or documentation provided by the Employee
      or
      an Employee of the Employee, Americash is required to repurchase a loan or
      pay
      settlement costs on a loan to a lender. Americash reserves the
      right
      to
      deduct these costs and any expenses associated with them, such as attorney's
      fees, from the branch's operating account. Americash will provide the Branch
      Manager with
      written
      notice at least 2 day's prior to acting on any requests Americash may receive
      to
      repurchase a loan or pay settlement costs on a loan to a lender.

    

    If
      a
      lender requires Americash to reimburse any fees collected on a loan funding
      in
      which the Branch
      Manager or an Employee of the Branch was the originating party, Americash will
      reserve
      the
      right to pay such fees from the operating income of the respective branch.
      The
      Branch Manager is advised that may lenders prohibit the re-solicitation of
      closed loans within certain time frames and the Employee will be responsible
      for
      any monies required to
      be
      paid back to the lender.
      You may obtain a copy of a lender's agreement with Americash through
      the corporate office.

     

        20.  Company
      Fees. There
      will be an amount of $595.00 plus 0.25% of the total loan amount retained by
      the
      company on each loan funding. In the event that the funding is less than
what
      is
      necessary to cover company fees, the Branch Manager will be responsible for
      payment to
      Americash immediately.

     

        21.  Investor
      Fees. There
      will
      be
      an amount per the attached Schedule "A" retained by Americash on each loan
      funding that will vary by Investor. In the event that the funding is less than
      what is necessary to cover company and investor fees, the Branch Manager will
      be

     

    
      
        
        

      

      
        7

        
          

        

      

      
        
        

        
        

      

    

     

    responsible
      for payment
      to Americash immediately. Americash
      will
      waive collecting Investor Fees
      for
      branch loans closed on a monthly basis after the first $2,000,000.

    

    22.  Reserves.
      There
      will be a cash reserve established for each branch operation. This reserve
      will be set aside from the profits of the operations to
      offset
      any future short falls
      in
operational
      expenses. The amount of this reserve will vary based upon
      the
      branch's fixed
      expenses. The amount will be predetermined by the corporate office and the
      branch manager and may
      vary
      in the future
      based upon changes in cost structure, staff, cash flow, etc. The
      initial cash reserve
      for branch
      operational
      expenses will be $10,000. The branch cash reserve amount will
      be
      reviewed
      on a quarterly basis beginning 9/30/06 and re-set to an amount approximating
      50%
      of the branch's monthly fixed expenses for the subsequent quarter.

    

    23.  Appraisals.
      All
      appraisals are to be paid COD by the borrower or loan officer at the time of
      inspection. The loan officer is personally responsible for payment of appraisal.
      The loan officer shall in no way, shape, or form obtain credit from any vendor
      on behalf of Americash. If a Branch Manager is to have outstanding appraisal
      bills he/she shall pay them immediately.

     

    24. 
Credit
      reports.
      Americash will direct Branch Manager on setting up an account to
      pull
      credit reports. Branch Manager will be responsible for any and all charges
      incurred. Branch Manager will be responsible for assuring all consumer credit
      information is safe guarded from unauthorized disclosure and is used for
      authorized purposes only.

        

        25.  Branch
      Audits.
      It is
      the responsibility of the Branch Manager to keep branch in compliance
      with all state and federal law. It will be the responsibility of the Branch
      Manager
      to
      pay any
      fines or fees that may arise from an audit or inquiry by any
      governing
      institution into their branch.

        

        26.  GeneralProvisions.

     

        26.1
      Continuing
      Obligations.
      Neither
      the termination of Employee's employment
      nor the termination of this Agreement shall affect any rights or
      obligations
      accruing
      prior thereto or any continuing obligations of the parties
      hereunder.

     

        26.2
      Notice.
      Any
      notice, request, instruction or other document to be given hereunder shall
      be in
      writing and shall be deemed to have been given when delivered personally,
      or when mailed, postage prepaid, addressed to the party to be given notice
      as
      follows:

    

    To
      Employer:          Americash

       
      at:                            
450
      Apollo Street, Suite E

                                       
       Brea, CA 92821

                                         

                                        
      Attn:
      Paul Giangrande 

     

    
      
        
        

      

      
        8

        
          

        

      

      
        
        

        
        

      

    

     

    To
      Employee:                 Jan
      Wallace

        
      at:                                   
12202
      N.
      Scottsdale Road

                                                 
      Phoenix, AZ 85254

    

    26.3
      Entire
      Agreement.
      This
      Agreement supersedes any and all other agreements, either oral or in writing
      or
      implied in fact, between the parties hereto with respect to the employment
      of
      Employee by Employer, and contains all of the covenants and agreements between
      the parties with respect to that employment. Each party to this Agreement
      acknowledges that, with respect to employment, no representations, inducements,
      promises or agreements, orally or otherwise, have been made by any party,
or
      anyone
      acting on behalf of any party, which are not embodied herein, and that no
      other agreement,
      statement
      or promise not contained in this Agreement shall be valid or
      binding,

     

    26.4
      Modifications. Any
      modification
      of this Agreement will be effective only if it is in a writing that (i) is
      signed by both parties; (ii) specifically references this Agreement and (iii)
      specifically expresses an intent by both parties to modify this
      Agreement.

     

    26.5
      Effect
      of Waiver.
      The
      failure of either
      party to insist on strict compliance with any of the terms, covenants or
      conditions of this Agreement by the other party
      shall
      not
      be deemed a waiver of that term, covenant or condition, nor shall any waiver
      or
      relinquishment of any right or power at any one time or times be deemed a waiver
      or relinquishment of that right or power for all or any other
      times.

    

    26.6
      Partial
      Invalidity.
      If any
      provision in this Agreement is held by a
      court
      of competent
      jurisdiction to be invalid, void, or unenforceable, the remaining provisions
      shall
      nevertheless continue in full force without being impaired or invalidated in
      any
      way.
      Employee
      acknowledges and agrees that Employer has no duty or obligation to employ
      Employee at any time after expiration of this Agreement.

    

    26.7
      Law
      Governing Agreement.
      This
      Agreement shall be governed by and construed in accordance with the laws of
      the
      State of California.

    

    26.8
      Arbitration.
      Employee
      and Employer hereby agree that any controversy between Employer and Employee
      arising from the employment relationship or termination thereof, including
      the
      construction or application of any of the terms of this Agreement, claims for
      statutory violations, including discrimination or harassment, and claims for
      wages or other compensation, will, on the written request of Employee or
      Employer be submitted to arbitration in Orange County, California and be
      governed by the
      California Arbitration Act as set forth in the California Cade of Civil
      Procedure to the
      extent
      permitted by law.

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

        
        

      

    

     

        27.
      Acknowledgement,
      Employee
      acknowledges that (s)he has had the opportunity to consult with independent
      counsel of his(her) own choice concerning this Agreement, and that (s)he
      has
taken
      advantage of that opportunity to the extent that (s)he desires. Employee further
      acknowledges that (s)he has read and understands this Agreement, is fully aware
      of its legal effect, and has entered into it voluntarily based on his(her)
      own
      judgment.

     

    Executed
      on July
      19, 2006
      at
Brea,
      California

     

    By:
      Employer:  Americash,
      a California corporation

     

    By:
      /s/
      Paul Giangrande

    Paul
      Giangrande

    Its:
      President  

     

     

    By:
      Employee:

     

               /s/
      Jan Wallace 

                  
Jan
      Wallace

    

    
      
        
        

      

      
        10

        
          

        

      

      
        
        

        
        

      

    

     

    Schedule
      "A" to Branch Manager Agreement

     

    7/24/2006                                                                                                      
      

     

    Branch
      Manager Compensation

    The
      Branch Manager will receive a
      commission
      equal
      to
      100%
of
      the
      Lender Fees collected at closing less the Americash Corporate Fees set forth
      below, less any investor discount or plus any
      investor yield
      spread premium as
      set
      forth in
      the
      Americash rate
      lock,
      and
      less
      employers matching taxes, and workman's compensation (if applicable). Inquire
      with accounting department for
      exact
      figures
      and see example
      break
      down_
      These monies
      will
      be
      dispersed on
      the
      normal payroll cycle (15th &
      31st)
      by
      Americash as
      long
      as
      the
closing
      package
      is complete
      and in compliance with state and federal law. Should Americash, at its sole
      discretion, determine that the
      loan
      terms
      delivered
      deviate
      from
      the
      loan
      terms
      locked,
      a
      post
closing
      adjustment may be
      made
      to
      reflect pricing
      based
      on
      the actual
      loan
      terms delivered.

     

    Americash Corporate
      Fees

    Company
      Fees:     0.25%
      of
      the funded
      lean amount
      plus
      $595.00

    Investor
      Fees:                
Loan
      Purchase
      fees
      charged by investor
      to purchase
      subject loan (see current Investor Fee Schedule below)

     

    Investor
      Fee
      Schedule            
Amount

    Americash
      Conforming           
0.00 FNMA fixed products

    Citifinancial Wells
      Fargo         10.00 "Cherry"
      product

    Morgan
      Stanley                        0.00
"Walnut"
      product

    RFC                                    
      0.00 Option & Option Plus products                                        
      

    HSBC                                         
      80.00 (1st only)

    Countrywide                            
      279.00 (1st only) 

    New
      Century                            
      380.00 (1st only) 

    Long
      Beach                              
375.00 (1st only) 

                                                
      104.00 (1st only)

     

    Employee
      Acknowledgement: /s/ Jan
      Wallace

                    /s/
      Paul Giangrande

                    Paul
      Giangrande, President

     

    
      
        
        

      

      
        11

        
          

        

      

      
        
        

        
        

      

    

     

    
 

     

     

    BRANCH
      COMMISSION FUNDING
      FORM

    

    

    Date:                     File
      Name:                        Loan
      Number:

    

    Branch
      Manager: __________________                                Loan
      Officer:__________________

    

    Best
      Person to Contact: ____________________                              
      Phone
      Number:________________

    

    

    A.  GROSS
      CHECK AMOUNT OR LENDER FEES DUE AT CLOSING $___________

     

    B.  (Discount)
      or Premium due on Sale:___ 
      _  __ %
      x $_______________
      = $___________

    (LOAN
      AMOUNT)

    

    C.  SUBTOTAL
      GROSS LENDER FEES:                     
      (A+B) $ __________

     

              
      AMERICASH CORPORATE : 0.25% x $__________ = $ ___________

               
      Company Fee $
      __________

                 
      Investor Fee $
      __________

            Processing
      Fee $
      __________

       Same
      Day Pay Fee $ __________

     

    D.  SUB-TOTAL
      AMERICASH CORPORATE
      FEES:             $
      __________

     

    E.  AMERICASH
      BRANCH OPERATING ACCOUNT (C+D) $__________

     

    -------------------------------------------------------------------------------------------------------------------------------

    

    F.
      Loan Officer Commissionable $_______x_____% = LO Pay
      $___________

    

    G.
      Other Authorized Pay Outs per attached.                    
      $___________

    

    H.
      BALANCE TO BRANCH MANAGER
      (E-F-G)                            
$ ___________

     

    
      
        
        

      

      
        12

        
          

        

      

      
        
        

        
        

      

    

     

     

    

     

     

    AUTHORIZED
      PAY-OUTS

     

     

    FOR
      CORPORATE USE ONLY:

    Net
      Check:

    $
      ___________

     

    _______________

     

    Direct
Deposit
_____________

     

    
       

    

    
      
        	1.  	
                PAYS
                  $
                  _____________TO_____________________________

              

      

      SIGNATURE
        ________________________________________________

       

       

    

    
      
        	2.  	
                PAYS
                  $
                  _____________TO_____________________________

              

      

      SIGNATURE
        ________________________________________________

      

       

      
        	3.  	
                PAY
                  $
                  _______________
                  TO____________________________________

              

      

      SIGNATURE
        ________________________________________________

       

    

     

        By
      signing this pay
      form, I agree that I am receiving my full compensation on the above funded
      file
      from Americash.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00109-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00109-of-00352.parquet"}]]