Document:

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                                                                   Exhibit 10.35

                   PHOENIX HOME LIFE MUTUAL INSURANCE COMPANY
                      SECOND AMENDMENT TO CREDIT AGREEMENT

To the Banks Party to the Credit
  Agreement Identified Below

Gentlemen:

         We refer to the Credit Agreement dated as of August 18, 1999 among
Phoenix Home Life Mutual Insurance Company, Bank of Montreal as Arranger and
Administrative Agent, Fleet National Bank as Documentation Agent and the Banks
party thereto as heretofore amended (the "Credit Agreement"), capitalized terms
used without definition below to have the meanings ascribed to them in the
Credit Agreement. Upon satisfaction of the conditions precedent to effectiveness
set forth below, the Credit Agreement shall be amended as hereinafter set forth:

         Section 1. Amendments to Credit Agreement. The Credit Agreement shall
be amended as follows:

                  (a) (Introductory Sentence). The first sentence of the Credit
         Agreement shall be amended by striking the lower case word "mutual"
         therefrom.

                 (b) Section 4.2 (Financial Statements). Section 4.2 of the
         Credit Agreement shall be amended by striking the date "December 31,
         1998" wherever such date appears and substituting the date "December
         31, 1999" therefor and by striking the date "March 31, 1999" wherever
         such date appears and substituting the date "March 31, 2000" therefor.

                 (c) Section 6.12 (Year 2000 Assessment). The title and text of
         Section 6.12 of the Credit Agreement shall be deleted and the following
         shall be substituted therefor:

                  "Section 6.12. Demutualization. The Company shall promptly
                  notify the Administrative Agent (which shall in turn notify
                  the Banks) of the consummation of the Demutualization with
                  such notice to specify any change in the name of the Company
                  which is incident thereto and the name of the Parent. After
                  consummation of the Demutualization, all references herein and
                  in the Notes and any other instruments or documents executed
                  and delivered pursuant hereto to Phoenix Home Life Mutual
                  Insurance Company shall without further action be deemed
                  references to the new or changed name of the Company."

                  (d) Section 7.1 (Events of Default). Section 7.1(h) of the
         Credit Agreement shall be amended and as so amended shall be restated
         in its entirety to read as follows:
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                  "(h) A Change of Control occurs or the Company ceases (i)
                  prior to the Demutualization to be a mutual insurance company
                  owned by its policyholders or (ii) subsequent to the
                  Demutualization to be a New York stock life insurance company;
                  or"

                  (e) Section 8 (Definitions; Interpretation of Agreement).
         Section 8.1 of the Credit Agreement shall be amended as follows:

                  "(i) The definition of the term "Company" shall be amended by
                  striking the lower case word "mutual" therefrom."

                  (ii) The definition of the term "Termination Date" shall be
                  amended and as so amended shall be restated in its entirety to
                  read as follows: "Termination Date" shall mean October 3,
                  2001."

                  (iii) Section 8.1 of the Credit Agreement shall be further
                  amended by adding the following additional definitions thereto
                  in proper alphabetical order:

                  "Change of Control" shall mean that, subsequent to the
                  Demutualization, (i) more than 30% of the issued and
                  outstanding Voting Stock of the Parent shall be owned or
                  controlled, either legally or beneficially, by any person,
                  firm or corporation or group of persons, firms or corporations
                  acting in concert or (ii) more than 30% in aggregate of the
                  issued and outstanding Voting Stock of the Company is owned,
                  either legally or beneficially, by persons, firms or
                  corporations other than the Parent."

                  "Demutualization" shall mean a transaction or series of
                  transactions pursuant to which the Company is converted into a
                  stock life insurance company pursuant to Section 7312 of the
                  New York Insurance Law as amended from time to time, the
                  corporate existence of the Company continues, the Company
                  becomes a wholly-owned Subsidiary of the Parent and the
                  financial condition of the Company does not differ materially
                  from its financial condition immediately prior to giving
                  effect to the Demutualization."

                  "Parent" shall mean a corporation of which the Company becomes
                  a direct or indirect wholly-owned subsidiary as part of the
                  Demutualization."

         Section 2. Conditions Precedent to Effectiveness. This Second Amendment
to Credit Agreement shall become effective upon satisfaction to following
conditions precedent:
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                 (a) The Administrative Agent shall have received counterparts
         hereof which, taken together, bear the signatures of the Company and
         the Banks.

                 (b) The Administrative Agent shall have received a certificate
         or certificates of the secretary, an assistant secretary or executive
         vice president of the Company, satisfactory in form and substance to
         the Administrative Agent, to the effect that the votes adopted by the
         Investment Committee on July 16, 1992 have not been rescinded and
         remain in effect, that the charter and by-laws of the Company have not
         been amended from those attached to the certificate of John H. Beers,
         secretary of the Company, dated as of August 18, 1999 and heretofore
         delivered to the Banks (except for amendments reasonably acceptable to
         the Administrative Agent) and that the parties designated as authorized
         to select banks and complete borrowing arrangements on behalf of the
         Company as set forth in the certificate of David W. Searfoss dated as
         of August 18, 1999 and heretofore delivered to the Banks remain
         designated so to do.

         Section 3. Miscellaneous. Except as specifically amended hereby, all of
the terms, conditions and provisions of the Credit Agreement shall stand and
remain unchanged and in full force and effect. No reference to this Second
Amendment to Credit Agreement need be made in any instrument or document at any
time referring to the Credit Agreement, a reference to the Credit Agreement in
any of such to be deemed to be a reference to the Credit Agreement as amended
hereby. This Second Amendment to Credit Agreement may be executed in
counterparts and by separate parties hereto on separate counterparts, each to
constitute an original but all but one in the same instrument. This Second
Amendment to Credit Agreement shall be governed by and construed in accordance
with the internal laws of the state of New York.

         Upon your acceptance hereof in the space provided for that purpose
below, this Agreement shall be a contract between us for the purposes
hereinabove set forth.

         Executed and delivered as of this 14th day of September 2000.

                                       PHOENIX HOME LIFE MUTUAL INSURANCE
                                          COMPANY

                                       By /s/ Raymond E. Cummings
                                          --------------------------------------
                                          Raymond E. Cummings
                                          Its Vice President Treasurer

         Accepted and agreed to as of the day and year last above written.
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                                       BANK OF MONTREAL

                                       By /s/ Brain L. Banke
                                          --------------------------------------
                                          Brain L. Banke
                                          Its Director

                                       FLEET NATIONAL BANK

                                       By /s/ Celeste Echlin
                                          --------------------------------------
                                          Celeste Echlin
                                          Its Vice President

                                       THE CHASE MANHATTAN BANK

                                       By /s/ Peter Platter
                                          --------------------------------------
                                          Peter Platter
                                          Its Vice President

                                       DEUTSCHE BANK AG, NEW YORK AND/OR
                                          CAYMAN ISLAND BRANCHES

                                       By /s/ Susan A. Maros
                                          --------------------------------------
                                          Susan A. Maros
                                          Its Managing Director

                                       By /s/ George Korchowsky
                                          --------------------------------------
                                          George Korchowsky
                                          Its Vice President

                                       KEYBANK NATIONAL ASSOCIATION

                                       By /s/ Sherrie J. Manson
                                          --------------------------------------
                                          Sherrie J. Manson
                                          Its Vice President

                                       STATE STREET BANK AND TRUST COMPANY

                                       By /s/ Edward M. Anderson
                                          --------------------------------------
                                          Edward M. Anderson
                                          Its Vice President

                                       SUN TRUST BANK, ATLANTA

                                       By /s/ W. David Wisdom
                                          --------------------------------------
                                          W. David Wisdom
                                          Its Vice President<PAGE>   1
                                                                   Exhibit 10.36

                              BINDER OF REINSURANCE

                                     Between

                   PHOENIX HOME LIFE MUTUAL INSURANCE COMPANY
                              Rensselaer, New York

                                       And

                   AMERICAN PHOENIX LIFE & REASSURANCE COMPANY
                              Hartford, Connecticut

             (hereinafter referred to collectively as the "Company")

                                       And

             EUROPEAN REINSURANCE COMPANY OF ZURICH (BERMUDA BRANCH)
                                Hamilton, Bermuda

                  (hereinafter referred to as the "Reinsurer")

TYPE:                                  Aggregate Excess of Loss Reinsurance

INTERESTS AND LIABILITIES:             The interests and liabilities of the
                                       companies referred to collectively herein
                                       as the Company, arising under the terms
                                       and conditions of this Agreement, are
                                       joint and not several. It is agreed that
                                       all communications and payments to or
                                       from the Company may be made,
                                       respectively, to or from Phoenix Home
                                       Life Mutual Insurance Company, which will
                                       act as paymaster and agent for all
                                       transactions and communications under
                                       this Agreement.

EFFECTIVE DATE:                        September 30, 1999

TERM OF THIS AGREEMENT:                The Term of this Agreement shall be from
                                       the Effective Date until the Commutation
                                       Date.

COMMUTATION:                           Commutation by the Company: This
                                       Agreement may be commuted by the Company
                                       at any time after September 30, 2004,
                                       subject to ninety (90) days prior written
                                       notice, by registered mail, return
                                       receipt requested, to the Reinsurer.

                                       Automatic Commutation: Unless this
                                       Agreement has been previously commuted by
                                       the Company as

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                                       set forth herein, this Agreement will be
                                       commuted automatically effective
                                       September 30, 2019.

                                       Liability Upon Commutation:

                                       If the Company commutes this Agreement
                                       prior to September 30, 2019 and the EAB
                                       is negative, the Company shall pay to the
                                       Reinsurer, on the first business day on
                                       or after the Commutation Date, a
                                       Commutation Settlement equal to
                                       one-hundred percent (100%) of the
                                       absolute value of the EAB.

                                       If the Company commutes this Agreement
                                       prior to September 30, 2019 and the EAB
                                       is positive, the Reinsurer shall pay to
                                       the Company, on the first business day on
                                       or after the Commutation Date, a
                                       Commutation Settlement equal to
                                       one-hundred percent (100%) of the EAB.

                                       Upon Automatic Commutation, if the
                                       Agreement has not previously been
                                       commuted, the Reinsurer shall pay to the
                                       Company, on the first business day on or
                                       after the Commutation Date, one-hundred
                                       percent (100%) of any positive EAB.

                                       Upon commutation, the Reinsurer shall be
                                       released from all current and future
                                       liabilities under this Agreement.

COVERAGE:                              Section A: The Reinsurer shall indemnify
                                       the Company for Section A Covered Losses
                                       paid by the Company.

                                       Section B: The Reinsurer shall indemnify
                                       the Company for Section B Covered Losses
                                       paid by the Company.

SUBJECT BUSINESS:                      Section A: Section A Subject Business
                                       means:

                                       (1)   all individually underwritten
                                             ordinary life insurance policies
                                             issued by the Company with
                                             effective dates prior to October 1,
                                             1999 which are administered on the
                                             Company's Servidata system as of
                                             the Effective Date, excluding any
                                             such policies numbered 9,000,000
                                             and above; and

                                       (2)   all individually underwritten
                                             ordinary life insurance policies
                                             issued by the Company with
                                             effective dates prior to October 1,
                                             1999 which are administered on the
                                             Company's Homecomm

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                                              System as of the Effective Date.

                                       Section B: Section B Subject Business
                                       means all reinsurance treaty business
                                       assumed by the Company prior to October
                                       1, 1999 and classified by the Company as
                                       Accident & Health business (including,
                                       but not limited to, personal accident,
                                       occupational accident, and workers'
                                       compensation carve-out business).

DEFINITIONS:

                                       (1)   "Accounting Period" means each
                                             calendar quarter, or portion
                                             thereof, during the Term of this
                                             Agreement. Notwithstanding the
                                             above, the first Accounting Period
                                             shall be from September 30, 1999 to
                                             December 31, 1999.

                                       (2)   "Allocated Loss Adjustment
                                             Expenses" ("ALAE") means all
                                             allocated expenses incurred by the
                                             Company in connection with the
                                             investigation, settlement, defense
                                             or mitigation of any claims or loss
                                             which is the subject matter of
                                             Section B Subject Business, and
                                             shall exclude the salaries of
                                             Company employees, office expenses,
                                             and any other overhead expenses.

                                       (3)   "Commutation Date" means the date
                                             this Agreement is commuted in
                                             accordance with the COMMUTATION
                                             Section herein.

                                       (4)   "Cover Year" means each consecutive
                                             twelve-month period, or portion
                                             thereof, commencing at October 1st
                                             and ending at September 30th, both
                                             dates inclusive, during the Term of
                                             this Agreement. Each Cover Year
                                             shall be named for the calendar
                                             year in which it commences. For the
                                             avoidance of doubt, Cover Year 1999
                                             means the period from October 1,
                                             1999 to September 30, 2000, both
                                             dates inclusive.

                                       (5)   "Cumulative A&H Losses" means the
                                             total Ultimate Net Loss incurred by
                                             the Company, including Repudiation
                                             Losses, on Section B Subject
                                             Business.

                                       (6)   "Inuring Reinsurance Agreement"
                                             means each outward reinsurance
                                             agreement entered into by the
                                             Company that is listed on Exhibit A
                                             attached hereto and incorporated
                                             herein.

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                                       (7)   "Repudiation Loss" means any loss
                                             incurred by the Company on Section
                                             B Subject Business that would
                                             otherwise be recoverable by the
                                             Company as cedent from a reinsurer
                                             under an Inuring Reinsurance
                                             Agreement but for:

                                             (a)  failure by that reinsurer to
                                                  remit a reinsurance loss
                                                  payment when due in accordance
                                                  with the terms of that Inuring
                                                  Reinsurance Agreement; or
                                             (b)  nullification in whole or
                                                  in part of that Inuring
                                                  Reinsurance Agreement through
                                                  an act of that reinsurer.

                                        (8)  "Settlement Date" means, for each
                                             Accounting Period, the thirtieth
                                             (30th) day following the end of
                                             that Accounting Period.

SUBJECT LOSSES:                        Section A: For each Cover Year, Section A
                                       Subject Losses means the death benefits
                                       paid by the Company during that Cover
                                       Year on Section A Subject Business,
                                       subject to a maximum death benefit of
                                       eight-million dollars ($8,000,000) on any
                                       one life and ten-million dollars
                                       ($10,000,000) on any joint life.

                                       Section B: Section B Subject Losses means
                                       the Cumulative A&H Losses reported to the
                                       Company on or after October 1, 1999 and
                                       prior to September 30, 2009, and paid by
                                       the Company during the Term of this
                                       Agreement.

COVERED LOSSES:                        Section A: Section A Covered Losses mean,
                                       for each Cover Year, twenty percent (20%)
                                       of Section A Subject Losses paid by the
                                       Company for that Cover Year in excess of
                                       the Section A Annual Retention for that
                                       Cover Year, subject to the Section A
                                       Aggregate Limit and the Contract
                                       Aggregate Limit.

                                       Section B: Section B Covered Losses mean
                                       one-hundred percent (100%) of Section B
                                       Subject Losses paid by the Company in
                                       excess of the Section B Aggregate
                                       Retention, subject to the Section B
                                       Aggregate Limit and the Contract
                                       Aggregate Limit.

                                       Any losses paid by the Reinsurer that are

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                                       subsequently recovered by the Company,
                                       shall be reimbursed to the Reinsurer and
                                       Covered Losses shall be reduced
                                       accordingly.

SUBSTITUTION OF REPUDIATION
LOSSES:                                If Repudiation Losses have been paid by
                                       the Reinsurer under Section B of this
                                       Agreement and Section B Subject Losses
                                       other than Repudiation Losses are
                                       incurred subsequent to such payment, then
                                       such non-Repudiation Losses shall be
                                       substituted, in equal dollar amounts, for
                                       the Repudiation Losses already paid by
                                       the Reinsurer. After such substitution,
                                       it will be as if the Repudiation Losses
                                       thus substituted had not occurred, and
                                       they will not count towards any limits or
                                       retentions of this Agreement.

COMPANY RETENTIONS:                    Section A: For each Cover Year, the
                                       Section A Annual Retention shall equal
                                       (x) multiplied by (y), where (x) is equal
                                       to the expected death benefits for that
                                       Cover Year; and (y) is the greater of:

                                       (a)   one-hundred-fifteen percent (115%)
                                             of the average ratio of actual
                                             death benefits to expected death
                                             benefits for the five calendar
                                             years immediately preceding that
                                             Cover Year; and

                                       (b)   one-hundred-fifty percent (150%) of
                                             the ratio of actual death benefits
                                             to expected death benefits in the
                                             calendar year immediately preceding
                                             that Cover Year;

                                       where expected death benefits are
                                       computed using seventy percent (70%) of
                                       the "1975-80 Select and Ultimate
                                       Mortality Table", or another standard
                                       mortality table agreed to in writing by
                                       the Company and the Reinsurer.

                                       Section B: The Section B Aggregate
                                       Retention shall equal (x) minus (y),
                                       where:

                                       (x)   is equal to premiums collected by
                                             the Company on or after October 1,
                                             1999 on Section B Subject Business,
                                             net of that portion of such
                                             premiums paid by the Company on or
                                             after October 1, 1999 for
                                             reinsurance that inures to the
                                             benefit of the Reinsurer hereunder
                                             on Section B Subject Business; and

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                                       (y)   is equal to any fees and/or
                                             commissions paid by the Company on
                                             or after October 1, 1999 to
                                             entities not affiliated with the
                                             Company that are contractually
                                             required and directly related to
                                             (x) above.

SECTION A AND SECTION B
AGGREGATE LIMITS:                      Section A: Subject to the Contract
                                       Aggregate Limit, the liability of the
                                       Reinsurer for the sum of all Section A
                                       Covered Losses indemnified under this
                                       Agreement shall not exceed the Section A
                                       Aggregate Limit of
                                       two-hundred-thirty-million dollars
                                       ($230,000,000). In no event shall the
                                       Reinsurer pay more than this amount under
                                       Coverage Section A.

                                       Section B: Subject to the Contract
                                       Aggregate Limit, the liability of the
                                       Reinsurer for the sum of all Section B
                                       Covered Losses indemnified under this
                                       Agreement shall not exceed the Section B
                                       Aggregate Limit of
                                       two-hundred-thirty-million dollars
                                       ($230,000,000). In no event shall the
                                       Reinsurer pay more than this amount under
                                       Coverage Section B.

CONTRACT AGGREGATE LIMIT:              No losses will be paid by the Reinsurer
                                       under this Agreement that would cause any
                                       of the following:

                                       (1)    The sum of Section A Covered
                                              Losses and Section B Covered
                                              Losses to exceed
                                              four-hundred-million dollars
                                              ($400,000,000) for the Term of
                                              this Agreement; or

                                       (2)    The Experience Account Balance
                                              to be less than negative
                                              forty-million dollars
                                              (-$40,000,000) in any Accounting
                                              Period; or

                                       (3)    If the Experience Account
                                              Balance is negative, the sum of
                                              the absolute value of any negative
                                              Experience Account Balance and the
                                              market value of any security
                                              provided by the Reinsurer to the
                                              Company in accordance with the
                                              Security Section herein to exceed
                                              one-hundred-million dollars
                                              ($100,000,000) at the end of any
                                              Accounting Period; or

                                       (4)    If the Experience Account
                                              Balance is positive, the market
                                              value of any security provided by
                                              the Reinsurer to the Company in
                                              accordance

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                                              with the Security Section herein
                                              less the positive Experience
                                              Account Balance to exceed
                                              one-hundred-million dollars
                                              ($100,000,000) at the end of any
                                              Accounting Period.

REINSURANCE PREMIUM:                   Deposit Premium: The Deposit Premium
                                       shall equal one-hundred-thirty-million
                                       ($130,000,000), due and payable by the
                                       Company to the Reinsurer on the Effective
                                       Date. If the Company fails to pay the
                                       Deposit Premium in full and in accordance
                                       with the terms of this Section, this
                                       Agreement shall not come into effect and
                                       shall not in any way bind the Reinsurer.

                                       Additional Premium: The Additional
                                       Premium for calendar year 2000, and for
                                       each calendar year thereafter, shall
                                       equal twelve-million dollars
                                       ($12,000,000) per calendar year;
                                       provided, however, the Additional Premium
                                       for any one calendar year shall not
                                       exceed:

                                       (a)    the premiums collected by the
                                              Company on Section B Subject
                                              Business for that calendar year,
                                              net of premiums paid for other
                                              reinsurance and net of any fees
                                              and/or commissions that are
                                              contractually required and
                                              directly related to premiums
                                              collected by the Company on
                                              Section B Subject Business for
                                              that calendar year, plus

                                       (b)    eight percent (8%) of the
                                              expected death benefits on Section
                                              A Subject Business for that
                                              calendar year;

                                       where expected death benefits are
                                       computed using seventy percent (70%) of
                                       the "1975-80 Select and Ultimate
                                       Mortality Table", or another standard
                                       mortality table agreed to in writing by
                                       the Company and the Reinsurer.

                                       The Additional Premium for each calendar
                                       year shall be due and payable by the
                                       Company to the Reinsurer in equal
                                       installments of three-million dollars
                                       ($3,000,000) each on the first business
                                       day on or after January 1, April 1, July
                                       1 and October 1 of that calendar year,
                                       commencing on the first business day on
                                       or after January 1, 2000.

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                                       The Deposit Premium and Additional
                                       Premium shall be paid by wire transfer in
                                       non-reversible United States federal
                                       funds to an account specified by the
                                       Reinsurer.

REINSURER'S MARGIN:                    The Reinsurer's Margin on the Deposit
                                       Premium shall equal five-million dollars
                                       ($5,000,000). The Reinsurer's Margin on
                                       Additional Premium shall equal
                                       one-million dollars ($1,000,000) for each
                                       calendar year. The Reinsurer's Margin on
                                       the Deposit Premium and the Reinsurer's
                                       Margin on Additional Premiums shall be
                                       part of, not in addition to, the
                                       respective Deposit Premium and Additional
                                       Premiums.

EXPERIENCE ACCOUNT BALANCE:            At the end of each Accounting Period, the
                                       Experience Account Balance ("EAB") shall
                                       be equal to:

                                       (a)    the EAB at the end of prior
                                              Accounting Period, plus

                                       (b)    the Deposit Premium and
                                              Additional Premium received by the
                                              Reinsurer during that Accounting
                                              Period, less

                                       (c)    the Reinsurer's Margin on item
                                              (b), less

                                       (d)    Section A Covered Losses and
                                              Section B Covered Losses paid by
                                              the Reinsurer during that
                                              Accounting Period, plus

                                       (e)    the Total Investment Return
                                              for that Accounting Period.

                                       For the Accounting Period ending December
                                       31, 1999, the value of item (a) above
                                       shall be equal to zero (0).

TOTAL INVESTMENT RETURN:               The Total Investment Return for an
                                       Accounting Period shall be determined as
                                       follows:

                                       (a)    For periods when the EAB is
                                              positive, the Total Investment
                                              Return shall equal the EAB at the
                                              beginning of the Accounting Period
                                              multiplied by the Total Return
                                              Rate. The Total Return Rate shall
                                              equal the total investment return
                                              on the assets held in the Citibank
                                              Custodian Account [*] (and/or in
                                              any other

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<PAGE>   9
                                              account with Citibank that
                                              subsequently holds assets from
                                              that account) for the Accounting
                                              Period divided by the fair market
                                              value of such assets at the
                                              beginning of the Accounting
                                              Period. Total investment return
                                              shall equal (i) the investment
                                              income received, plus (ii) any
                                              realized and unrealized capital
                                              gains, less (iii) any realized and
                                              unrealized capital losses, less
                                              (iv) investment expenses equal to
                                              a fixed rate of thirteen (13)
                                              basis points per annum;

                                       [*]:   THE CONFIDENTIAL PORTION HAS
                                              BEEN OMITTED PURSUANT TO A REQUEST
                                              FOR CONFIDENTIAL TREATMENT AND THE
                                              OMITTED MATERIAL HAS BEEN FILED
                                              SEPARATELY WITH THE COMMISSION.

                                              For the Accounting Period ending
                                              December 31, 1999, both the EAB at
                                              the beginning of the Accounting
                                              Period and the market value of the
                                              assets in the Custodian Account at
                                              the beginning of the Accounting
                                              Period shall be equal to the
                                              Deposit Premium less the
                                              Reinsurer's Margin on the Deposit
                                              Premium plus any interest earned
                                              on such net amount prior to
                                              deposit into the Custodian
                                              Account.

                                       (b)    For periods when the EAB is
                                              negative, the Total Investment
                                              Return shall equal the EAB
                                              multiplied by:

                                              (1)  the 90-day LIBOR rate on the
                                                   first day of the Accounting
                                                   Period plus fifty (50) basis
                                                   points, if the Company's
                                                   Insurer Financial Strength
                                                   Ratings are "A-" or better
                                                   from S&P and "A3" or better
                                                   from Moody's; or

                                              (2)  the 90-day LIBOR rate on
                                                   the first day of the
                                                   Accounting Period plus
                                                   one-hundred (100) basis
                                                   points, if the Company's
                                                   Insurer Financial Strength
                                                   Ratings are less than "A-"
                                                   from S&P and/or "A3" from
                                                   Moody's;

                                              where both (1) and (2) above are
                                              prorated by the ratio that the
                                              number of days for which the EAB
                                              is negative bears to
                                              three-hundred-sixty (360) days.

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LOSS SETTLEMENTS:                      For each Accounting Period, the Reinsurer
                                       shall pay any Covered Losses due to the
                                       Company on the Settlement Date for that
                                       Accounting Period.

REINSURANCE INTERMEDIARY:              Reinsurance Intermediary: Swiss Re Atrium
                                       Corporation, 55 East 52 Street, 42nd
                                       Floor, New York, New York 10055, U.S.A.,
                                       is hereby recognized as the Reinsurance
                                       Intermediary negotiating this Agreement.

                                       Communications: All communications,
                                       including but not limited to notices,
                                       reports, and statements, relating to this
                                       Agreement shall be transmitted to the
                                       Company and the Reinsurer through the
                                       Intermediary.

                                       Payments: All payments, including but not
                                       limited to premiums, return premiums,
                                       commissions, return commissions, taxes,
                                       losses, loss adjustment expense, and
                                       salvages and settlements, relating to
                                       this Agreement shall be made directly
                                       between the Company and the Reinsurer,
                                       and not through any Intermediary.

TAXES:                                 The Company shall be liable for its own
                                       taxes on amounts paid or received under
                                       the terms of this Agreement, and the
                                       Reinsurer shall be liable for its own
                                       taxes on amounts paid or received under
                                       the terms of this Agreement. The Company
                                       shall indemnify and hold the Reinsurer
                                       harmless for any taxes which the
                                       Reinsurer may become obligated to pay on
                                       the Company's behalf.

FEDERAL EXCISE TAXES:                  In the event that any Federal Excise Tax
                                       is due with respect to any premiums due
                                       under this Agreement, the Company agrees
                                       to pay such tax in addition to any
                                       premiums due under this Agreement and
                                       agrees to remit such tax to the United
                                       States Internal Revenue Service and shall
                                       indemnify and hold the Reinsurer harmless
                                       for any such taxes which the Reinsurer
                                       may become obligated to pay.

DISCLOSURES AND APPROVALS:             The Company represents and warrants with
                                       respect to this Agreement and the
                                       transactions hereunder, and with respect
                                       to any insurance and reinsurance written
                                       by the Company which is covered by this
                                       Agreement and all transactions
                                       thereunder, that all

                                       10
<PAGE>   11
                                       disclosures and approvals which are
                                       necessary or appropriate under any
                                       applicable law or regulation have been
                                       made or obtained, or will be made or
                                       obtained in a timely manner.

EXCLUSIONS:                            Unallocated Loss Adjustment Expenses
                                       Noncontractual Damages, except as
                                         respects Coverage Section B
                                       Losses in Excess of Policy Limits, except
                                         as respects Coverage Section B
                                       War Exclusion

OTHER:                                 Exhibit A
                                       Arbitration (attached)
                                       Insolvency (attached)
                                       Definition of Noncontractual Damages
                                          (attached)
                                       Definition of Loss in Excess of Policy
                                          Limits (attached)
                                       Original Conditions (attached)
                                       Security (attached)
                                       Service of Suit (attached)
                                       Ultimate Net Loss (attached)
                                       Counterparts
                                       Currency (United States Dollars)
                                       Disintermediation
                                       Entire Agreement
                                       Errors and Omissions
                                       Inspection of Records
                                       Mirror Reserving
                                       Net Accounting
                                       Offset
                                       Parties to this Agreement
                                       Reports and Remittances
                                       Reliance on Information Supplied by the
                                          Company

WORDING:                               To Be Agreed.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized representatives,

In Rensselaer, New York, this 30th day of September, 1999

                                       11
<PAGE>   12
                   PHOENIX HOME LIFE MUTUAL INSURANCE COMPANY

Attest: /s/ Barbara J. Opacki               By: /s/ David W. Searfoss
       ---------------------------------        -------------------------------

Name:  Barbara J. Opacki                    Name: David W. Searfoss
       ---------------------------------          -----------------------------

Title: Notary Public                        Title: Executive Vice President
       ---------------------------------           ----------------------------
                                                   and Chief Financial Officer
                                                   ----------------------------

And in Hartford, Connecticut, this 30th day of September, 1999

                   AMERICAN PHOENIX LIFE & REASSURANCE COMPANY

Attest: /s/ Barbara J. Opacki               By: /s/ David W. Searfoss
       ---------------------------------        -------------------------------

Name:  Barbara J. Opacki                    Name: David W. Searfoss
       ---------------------------------          -----------------------------

Title: Notary Public                        Title: Executive Vice President
       ---------------------------------           ----------------------------
                                                   and Chief Financial Officer
                                                   ----------------------------

And in Hamilton, Bermuda, this 30th day of September, 1999

             EUROPEAN REINSURANCE COMPANY OF ZURICH (BERMUDA BRANCH)

By:    /s/ J. Scott Bradley                By: /s/ David R. Whiting
      ----------------------------------       --------------------------------

Name:  J. Scott Bradley                    Name:  David R. Whiting
       ----------------------------------         -----------------------------

Title: Member of Senior                    Title: Member of Senior
       ----------------------------------         -----------------------------
       Management                                 Management
       ----------------------------------         ----------------------------

                                       12
<PAGE>   13
SECURITY ARTICLE

(1)      Security: Upon the Company's written request, the Reinsurer shall
         provide security to the Company for its obligations to the Company in
         an amount equal to the Reinsurer's liabilities to the Company under
         this Agreement.

         As security for the Reinsurer's liabilities under this Agreement up to
         the amount of any positive Experience Account Balance, the Reinsurer
         shall provide access to funds held in Trust for the benefit of the
         Company in accordance with the provisions set forth in this Security
         Article. The Reinsurer shall provide security to the Company for any
         liabilities of the Reinsurer under this Agreement in excess of the
         Experience Account Balance, by providing access to funds held in Trust
         or Letters of Credit for the benefit of the Company, in accordance with
         the provisions set forth in this Security Article, or by providing any
         other form of security that would permit the Company to take credit for
         the reinsurance ceded hereunder.

(2)      Letter of Credit:

         (a)      Upon the written request of the Company, the Reinsurer agrees
                  that it will be the applicant for and provide the Company with
                  a Letter or Letters of Credit, in a form acceptable to the
                  Company and in conformity with Regulation 133 (11 NYCRR 79) of
                  the New York Insurance Department, in an amount no less than
                  the Reinsurer's remaining liability to the Company, as
                  determined by the Company, to secure the obligations of the
                  Reinsurer to the Company under this Agreement. The cost of
                  such Letter(s) of Credit, if any, shall be borne by the
                  Company.

         (b)      The Reinsurer and the Company agree that the Letter(s) of
                  Credit provided by the Reinsurer pursuant to the provisions of
                  this Agreement may be drawn upon at any time, notwithstanding
                  any other provisions in this Agreement, and shall be utilized
                  by the Company or any successor by operation of law of the
                  Company including, without limitation, any liquidator,
                  rehabilitator, receiver, or conservator of the Company only
                  for one or more of the following purposes:

                  (i)      to reimburse the Company for the Reinsurer's share of
                           premiums returned to the owners of policies reinsured
                           under this Agreement, on account of cancellations of
                           such policies;

                  (ii)     to reimburse the Company for the Reinsurer's share of
                           surrenders and benefits or losses paid by the Company
                           pursuant to the provisions of the policies reinsured
                           under this Agreement;

                  (iii)    to fund an account with the Company in an amount at
                           least equal to the deduction, for reinsurance ceded,
                           from the

                                       1
<PAGE>   14
                           Company's liabilities for reinsurance ceded under
                           this Agreement. Such amount shall include, but not be
                           limited to, amounts for policy reserves, reserves for
                           claims and losses incurred (including losses incurred
                           but not reported), reserves for loss adjustment
                           expenses and reserves for unearned premiums; and

                  (iv)     to pay any other amounts the Company claims are due
                           under this Agreement.

                  All of the foregoing shall be applied without diminution
                  because of insolvency on the part of the Company or the
                  Reinsurer.

         (c)      Should amounts be held pursuant to (b)(iii) above, then the
                  Company shall pay interest at the Prime Rate on such funds as
                  may be held from time to time.

         (d)      Should any amounts drawn down on the Letters of Credit be in
                  excess of the actual amounts required for (b)(i), (b)(ii), or
                  (b)(iii) above, or should any amounts subsequently be
                  determined not to be due under (b)(iv) above, then such excess
                  amounts and amounts not due shall be returned to the Reinsurer
                  forthwith and the Company shall pay interest at the Prime Rate
                  on such funds from the date they were drawn down to the date
                  they are returned.

         (e)      Any interest calculated pursuant to the provisions of
                  paragraphs (c) and (d) above shall be offset against any other
                  obligations of the Reinsurer.

(3)      Trust Funds:

         (a)      Upon the written request of the Company, the Reinsurer may at
                  its option provide funds in Trust for the benefit of the
                  Company as an alternative or supplement to Letter(s) of
                  Credit. Any such Trust Funds shall be held in accordance with
                  New York Insurance Department Regulation 114 (11 NYCRR 126),
                  as amended. The cost of such Trust Funds, if any, shall be
                  borne by the Company.

         (b)      The assets deposited in the trust account shall be valued,
                  according to their current fair market value, and shall
                  consist only of cash (United States legal tender),
                  certificates of deposit (issued by a United States bank and
                  payable in United States legal tender), and investments of the
                  types specified in paragraphs (1), (2), (3), (8) and (10) of
                  subsection (a) of Section 1404 of the New York Insurance Law,
                  provided that such investments are issued by an institution
                  that is not the parent, subsidiary, or affiliate of either the
                  Reinsurer or the Company.

                                       2
<PAGE>   15
         (c)      Prior to depositing assets into the Trust account, the
                  Reinsurer shall execute assignments, endorsements in blank, or
                  transfer legal title to the trustee of all shares, obligations
                  or any other assets requiring assignments, in order that the
                  Company, or the trustee upon the direction of the Company, may
                  whenever necessary negotiate any such assets without consent
                  or signature from the Reinsurer or any other entity.

         (d)      All settlements of account between the Company and the
                  Reinsurer shall be made in cash or its equivalent.

         (e)      The Reinsurer and the Company agree that the assets in the
                  Trust account, established by the Reinsurer pursuant to the
                  provisions of this Agreement, may be withdrawn by the Company
                  at any time, notwithstanding any other provisions in this
                  Agreement, and shall be utilized and applied by the Company or
                  any successor by operation of law of the Company including,
                  without limitation, any liquidator, rehabilitator, receiver or
                  conservator of the Company only for one or more of the
                  following purposes:

                  (i)      to reimburse the Company for the Reinsurer's share of
                           premiums returned to the owners of policies reinsured
                           under this Agreement, on account of cancellations of
                           such policies;

                  (ii)     to reimburse the Company for the Reinsurer's share of
                           surrenders and benefits or losses paid by the Company
                           pursuant to the provisions of the policies reinsured
                           under this Agreement;

                  (iii)    to fund an account with the Company in an amount at
                           least equal to the deduction, for reinsurance ceded,
                           from the Company's liabilities for reinsurance ceded
                           under this Agreement. Such amount shall include, but
                           not be limited to, amounts for policy reserves,
                           reserves for claims and losses incurred (including
                           losses incurred but not reported), reserves for loss
                           adjustment expenses and reserves for unearned
                           premiums; and

                  (iv)     to pay any other amounts the Company claims are due
                           under this Agreement.

                  All of the foregoing shall be applied without diminution
                  because of insolvency on the part of the Company or the
                  Reinsurer.

         (f)      The Company shall give the Reinsurer the right to seek
                  approval from the Company to withdraw from the aforementioned
                  Trust account all or any part of the assets contained therein
                  and transfer such assets to the Reinsurer, provided:

                                       3
<PAGE>   16
                  (i)      The Reinsurer shall at the time of such withdrawal,
                           replace the withdrawn assets with other qualified
                           assets having a market value equal to the market
                           value of the assets withdrawn so as to maintain at
                           all times the deposit in the required amount, or

                  (ii)     after such withdrawal and transfer, the market value
                           of the Trust account is no less than one-hundred-two
                           percent (102%) of the required amount.

         (g)      Should amounts be held pursuant to (e)(iii) above, then the
                  Company shall pay interest at the Prime Rate on such funds as
                  may be held from time to time.

         (h)      Should any amounts withdrawn from the Trust account be in
                  excess of the actual amounts required for (e)(i), (e)(ii), or
                  (e)(iii) above, or should any amounts subsequently be
                  determined not to be due under (e)(iv) above, then such excess
                  amounts and amounts not due shall be returned to the Reinsurer
                  forthwith and the Company shall pay interest at the Prime Rate
                  on such funds from the date they were withdrawn to the date
                  they are returned.

         (i)      Any interest calculated pursuant to the provisions of
                  paragraphs (g) and (h) above shall be offset against any other
                  obligations of the Reinsurer.

(4)      Other Forms of Security: The Reinsurer may, at its option, as an
         alternative or supplement to Letter(s) of Credit and Trust Funds,
         provide security in any other form that would permit the Company to
         take credit for the reinsurance ceded hereunder. Any such other form of
         security shall be in accordance with New York Insurance Department
         regulations. The cost of such other form(s) of security shall be borne
         by the Company.

(5)      Prime Rates: Prime Rates shall be determined for each business day in
         New York City, and for non-business days shall equal the Prime Rate as
         determined for the most recent preceding business day. The PRIME RATES
         as published in The Wall Street Journal (Eastern Edition) shall be the
         primary source for the Prime Rates. If The Wall Street Journal does not
         publish such a rate for a business day, the Prime Rate shall be the
         maximum of the rates publicly announced by major banks in New York City
         as their "Prime Rates" applicable to such day.

                                       4
<PAGE>   17
ARBITRATION ARTICLE

(1)      Resolution of Disputes: As a condition precedent to any right arising
         under this Agreement, any dispute between the Company and the Reinsurer
         arising out of the provisions of this Agreement, or concerning its
         interpretation or validity, whether arising before or after termination
         of this Agreement, shall be submitted to arbitration in the manner set
         forth in this Article. Either party may initiate arbitration of any
         dispute arising out of the provisions of this Agreement by giving
         written notice to the other party, by registered or certified mail,
         return receipt requested, of its intention to arbitrate and of its
         appointment of an arbitrator in accordance with paragraph (3) of this
         Article.

(2)      Composition of Panel: Unless the parties agree upon a single arbitrator
         within fifteen (15) days after the receipt of a notice of intention to
         arbitrate, all disputes shall be submitted to an arbitration panel
         composed of two arbitrators and an umpire, chosen in accordance with
         paragraphs (3) and (4) of this Article.

(3)      Appointment of Arbitrators: The members of the arbitration panel shall
         be chosen from persons knowledgeable in the insurance and reinsurance
         business. The party requesting arbitration (hereinafter referred to as
         the "claimant") shall appoint an arbitrator and give written notice
         thereof, by registered or certified mail, return receipt requested, to
         the other party (hereinafter referred to as the "respondent") together
         with its notice of intention to arbitrate. Unless a single arbitrator
         is agreed upon within fifteen (15) days after the receipt of the notice
         of intention to arbitrate, the respondent shall, within thirty (30)
         days after receiving such notice, also appoint an arbitrator and notify
         the claimant thereof in a like manner. Before instituting a hearing,
         the two arbitrators so appointed shall choose an umpire. If, within
         twenty (20) days after they are both appointed, the arbitrators fail to
         agree upon the appointment of an umpire, the umpire shall be appointed
         by the President of the American Arbitration Association.

(4)      Failure of Party to Appoint Arbitrator: If the respondent fails to
         appoint an arbitrator within thirty (30) days after receiving a notice
         of intention to arbitrate, such arbitrator shall be appointed by the
         President of the American Arbitration Association, and shall then,
         together with the arbitrator appointed by the claimant, choose an
         umpire as provided in paragraph (3) of this Article.

(5)      Choice of Law and Forum: Any arbitration instituted pursuant to this
         Article shall be held in New York, New York, or in a location to be
         mutually agreed upon by the Company and the Reinsurer and the laws of
         the State of New York, without regard to its conflict of laws rules,
         shall govern the interpretation and application of this Agreement.

                                       5
<PAGE>   18
(6)      Submission of Dispute to Panel: Unless otherwise extended by the
         arbitration panel, or agreed to by the parties, each party shall submit
         its case to the panel within thirty (30) days after the selection of an
         umpire.

(7)      Procedure Governing Arbitration: All proceedings before the panel shall
         be informal and the panel shall not be bound by the formal rules of
         evidence. The panel shall have the power to fix all procedural rules
         relating to the arbitration proceeding. In reaching any decision, the
         panel shall give due consideration to the customs and usage of the
         insurance and reinsurance business.

(8)      Arbitration Award: The arbitration panel shall render its decision
         within sixty (60) days after termination of the proceeding, which
         decision shall be in writing, stating the reasons therefor. The
         decision of the majority of the panel shall be final and binding on the
         parties to the proceeding.

(9)      Cost of Arbitration: Unless otherwise allocated by the panel, each
         party shall bear the expense of its own arbitrator and its own
         witnesses and shall jointly and equally bear with the other parties the
         expense of the umpire and the arbitration.

(10)     Limit of Jurisdiction: The arbitration panel does not have the
         jurisdiction to authorize any punitive damage awards between the
         parties.

INSOLVENCY ARTICLE

(1)      Reinsurer's Obligation: In the event of the insolvency of the Company,
         the reinsurance afforded by this Agreement shall be payable by the
         Reinsurer on the basis of the liability of the Company under the
         Subject Business, without diminution because of such insolvency,
         directly to the Company or its liquidator, receiver, conservator, or
         statutory successor.

(2)      Reinsurer's Notice and Defense of Claims: The Reinsurer shall be given
         written notice of the pendency of each claim or loss which may involve
         the reinsurance afforded by this Agreement within a reasonable time
         after such claim or loss is filed in the insolvency proceedings. The
         Reinsurer shall have the right to investigate each such claim or loss
         and interpose at its own expense, in the proceeding where the claim or
         loss is to be adjudicated, any defense which it may deem available to
         the Company or its liquidator, receiver, conservator, or statutory
         successor. If more than one Reinsurer is involved, they may designate
         one Reinsurer to act for all.

(3)      Defense Expense: The expense thus incurred by the Reinsurer shall be
         chargeable, subject to court approval, against the insolvent Company as
         part of the expense of liquidation to the extent of a proportionate
         share of the benefit which may accrue to the Company solely as a result
         of the defense undertaken by the Reinsurer.

                                       6
<PAGE>   19
(4)      Offset: Any debts or credits, liquidated or unliquidated, in favor of
         or against either party on the date of the receivership or liquidation
         order (except where the obligation was purchased by or transferred to
         be used as an offset) are deemed mutual debts or credits and shall be
         set off with the balance only to be allowed or paid. Although such
         claim on the part of either party may be unliquidated or undetermined
         in amount on the date of the entry of the receivership or liquidation
         order, such claim will be regarded as being in existence as of such
         date and any credits or claims then in existence and held by the other
         party may be offset against it.

(5)      Rights of Parties: Nothing hereinabove set forth in this Insolvency
         Article shall in any way change the relationship or status of the
         parties hereto, nor enlarge the obligations of any party to any other
         except as specifically hereinabove provided, to wit, to pay the
         statutory successor on the basis of the amount of liability determined
         in the liquidation or receivership proceeding, rather than on the basis
         of the actual amount of loss (dividends) paid by the liquidator,
         receiver, conservator, or statutory successor to allowed claimants.
         Nor, except as hereinabove specifically provided, shall anything in
         this Insolvency Article in any manner create any obligation or
         establish any right against the Reinsurer in favor of any third parties
         or any other persons not parties to this Agreement.

SERVICE OF SUIT

(1)      Submission To Jurisdiction: It is agreed that in the event of the
         failure of the Reinsurer to pay any amount claimed to be due under this
         Agreement, the Reinsurer, at the request of the Company, will submit to
         the jurisdiction of any Court of competent jurisdiction within the
         United States of America and will comply with all requirements
         necessary to give such Court jurisdiction; and all matters arising
         hereunder shall be determined in accordance with the law and practice
         of such Court.

(2)      Service of Process: It is further agreed that service of process in any
         suit instituted against the Reinsurer arising out of this Agreement,
         may be made upon Morgan, Lewis & Bockius LLP, 101 Park Avenue, New
         York, New York 10178-0060, U.S.A., Attention: F. Sedgwick Browne, and
         that in such suit the Reinsurer will abide by the final decision of
         such Court or of any Appellate Court in the event of an appeal.

(3)      Appearance: Morgan, Lewis & Bockius LLP are authorized and directed to
         accept service of process on behalf of the Reinsurer in any such suit
         and/or upon the request of the Company to give a written undertaking to
         the Company that they will enter a general appearance upon the
         Reinsurer's behalf in the event such a suit shall be instituted.

                                       7
<PAGE>   20
(4)      Insurance Official As Attorney For Service of Process: Further,
         pursuant to any statute of any State, Territory or District of the
         United States of America which makes provision therefor, the Reinsurer
         hereby designates the Superintendent, Commissioner or Director of
         Insurance or other officer specified for that purpose in the statute,
         or his successor or successors in office, as their true and lawful
         attorney upon whom may be served any lawful process in any action, suit
         or proceeding instituted by or on behalf of the Company or any
         beneficiary hereunder arising out of this Agreement, and hereby
         designates Morgan, Lewis & Bockius LLP as the party to whom the said
         officer is authorized to mail such process or a true copy thereof.

ULTIMATE NET LOSS

Ultimate Net Loss as used herein shall mean the actual sum paid or to be paid by
the Company in settlement of losses or liability after making deductions for all
recoveries, all salvage, and all claims upon other reinsurances, which inure to
the benefit of the Reinsurer under this Agreement, whether collected or not, and
shall include Allocated Loss Adjustment Expenses incurred by the Company.
Notwithstanding the above, it is understood and agreed that Ultimate Net Loss
shall include Repudiation Losses as defined herein.

All salvages, recoveries or payments recovered or received subsequent to a loss
settlement under this Agreement shall be applied as if recovered or received
prior to the aforesaid settlement and all necessary adjustments shall be made by
the parties hereto.

Nothing in this definition shall be construed to mean that losses are not
recoverable hereunder until the Ultimate Net Loss of the Company has been
ascertained.

NONCONTRACTUAL DAMAGES:

Noncontractual Damages as used herein shall mean those liabilities of the
Company or its affiliates, or their agents, brokers, or representatives, arising
from actual or alleged misconduct in their handling of claims or losses, or in
any of their dealings with their insureds or any other person. Such liabilities
shall include, but are not limited to, exemplary, compensatory, and
consequential damages. Such misconduct shall include, but is not limited to,
failure to settle within the policy limit, negligence, fraud or bad faith in
rejecting an offer of settlement or in the preparation of the defense or in the
trial of any action or in the preparation or prosecution of any appeal
consequent upon any action.

LOSS IN EXCESS OF POLICY LIMITS:

Loss in Excess of Policy Limits as used herein shall mean any loss in excess of
the limit of the Company's original policy, such loss in excess of the limit
having been

                                       8
<PAGE>   21
incurred because of failure by the Company to settle within the policy limit or
by reason of alleged or actual negligence in rejecting an offer of settlement or
in the preparation of the defense or in the trial of any action against its
insured or reinsured or in the preparation or prosecution of an appeal
consequent upon such action.

For purposes of this definition, the word "loss" shall mean any amounts for
which the Company would have been contractually liable to pay had it not been
for the limit of the original policy.

ORIGINAL CONDITIONS:

All reinsurance under this Agreement shall be subject to the same rates, terms,
conditions and waivers and to the same modifications, alterations and
interpretations as the respective policies and contracts of the Company, and the
liability of the Reinsurer shall follow that of the Company in every case,
subject, however, to the terms and conditions of this Agreement. It is the
intent of this Agreement that the Reinsurer shall follow the fortunes of the
Company in all matters falling under this Agreement, subject, however, to the
terms and conditions of this Agreement.

                                       9

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