Document:

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                                                                    Exhibit 4(b)

               This Note is a global security and is registered in the name of
CEDE & CO., as nominee of the Depositary, The Depository Trust Company. Unless
and until this Note is exchanged for Notes in definitive form, this Note may not
be transferred except as a whole by the Depositary or a nominee of the
Depositary to the Depositary or another depositary or by the Depositary or any
such nominee to a successor depositary or a nominee of such successor
depositary.

               Unless this Note is presented by an authorized representative of
The Depository Trust Company, a New York corporation ("DTC"), to the issuer or
its agent for registration of transfer, exchange or payment, and any certificate
issued is registered in the name of Cede & Co. or in such other name as is
requested by an authorized representative of DTC (and any payment is made to
Cede & Co. or to such other entity as is requested by an authorized
representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner
hereof, Cede & Co., has an interest herein.

                              Wal-Mart Stores, Inc.

                              4.375% NOTES DUE 2007

Number A-___                                             CUSIP No.: 931142BR3
$___________                                             ISIN No.: US931142BR37
                                                         Common Code:  015150769

               WAL-MART STORES, INC., a corporation duly organized and existing
under the laws of the State of Delaware, and any successor corporation pursuant
to the Indenture (herein referred to as the "Company"), for value received,
hereby promises to pay to CEDE & CO. or registered assigns, the principal sum of
FOUR HUNDRED MILLION DOLLARS on July 12, 2007 in such coin or currency of the
United States of America as at the time of payment shall be legal tender for the
payment of public and private debts, and to pay interest, computed on the basis
of a 360-day year of twelve 30-day months, semi-annually in arrears on January
12 and July 12 of each year, or if any such day is not a Business Day, on the
next succeeding Business Day (each, an "Interest Payment Date"), commencing on
January 12, 2003, on said principal sum in like coin or currency, at the rate
per annum specified in the title of this Note from July 12, 2002 or from the
most recent January 12 or July 12 to which interest has been paid or duly
provided for. The interest so payable, and punctually paid or duly provided for,
on any Interest Payment Date will be paid to the person in whose name this Note
is registered (the "holder") at the close of business on the preceding January
1, in the case of an Interest Payment Date of January 12, and on the preceding
July 1, in the case of an Interest Payment Date of July 12 (each, a "Record
Date").

               Reference is made to the further provisions of this Note set
forth on the succeeding sections hereof. Such further provisions shall for all
purposes have the same effect as though fully set forth at this place.

<PAGE>

                                                                               2

                              WAL-MART STORES, INC.

                              4.375% NOTES DUE 2007

               1.   Indenture; Notes. This Note is one of a duly authorized
series of Securities of the Company designated as the "4.375% Notes due 2007"
(the "Notes"), initially issued in an aggregate principal amount of
$1,000,000,000 on July 12, 2002. Such series of Securities has been established
pursuant to, and is one of an indefinite number of series of debt securities of
the Company, issued or issuable under and pursuant to, the Indenture, dated as
of July 5, 2001 (the "Indenture"), duly executed and delivered by the Company,
Wal-Mart Cayman (Euro) Finance Co., Wal-Mart Cayman (Canadian) Finance Co. and
Wal-Mart Cayman (Sterling) Finance Co. as Issuers, the Company as Guarantor and
Bank One Trust Company, NA, as Trustee (the "Trustee"), to which Indenture and
all indentures supplemental thereto reference is hereby made for a statement of
the rights, limitations of rights, obligations, duties and immunities thereunder
of the Trustee, the Company and the holders of the Notes and of the terms upon
which this Note is, and is to be, authenticated and delivered. The terms,
conditions and provisions of the Notes are those stated in the Indenture, those
made part of the Indenture by reference to the Trust Indenture Act of 1939, as
amended (the "Trust Indenture Act"), and those set forth in this Note. To the
extent that the terms, conditions and other provisions of this Note modify,
supplement or are inconsistent with those of the Indenture, then the terms,
conditions and other provisions of this Note shall govern.

               All capitalized terms which are used but not defined in this Note
shall have the meanings assigned to them in the Indenture.

               The Company may, without the consent of the holders, issue and
sell additional Securities ranking equally with the Notes and otherwise
identical in all respects (except for their date of issue, issue price and the
date from which interest payments thereon shall accrue) so that such additional
Securities shall be consolidated and form a single series with the Notes;
provided, however, that no additional Securities of any existing or new series
may be issued under the Indenture if an Event of Default has occurred and
remains uncured thereunder.

               2.   Ranking. The Notes shall constitute the senior unsecured
debt obligations of the Company and shall rank equally in right of payment among
themselves and with all other existing and future senior, unsecured and
unsubordinated debt obligations of the Company.

               3.   Payment of Overdue Amounts. The Company shall pay interest,
calculated on the basis of a 360-day year of twelve 30-day months, on overdue
principal and overdue installments of interest, if any, from time to time on
demand at the interest rate borne by the Notes to the extent lawful.

               4.   Payment of Additional Amounts; Redemption Upon a Tax Event.
(a) Payment of Additional Amounts. The Company shall pay to the holder of this
Note who is a United States Alien (as defined below) such additional amounts as
may be necessary so that every net payment of principal of and interest on this
Note to such holder, after deduction or withholding for or on account of any
present or future tax, assessment or other governmental charge imposed upon such
holder by the United States of America or any taxing authority thereof or
therein, will not be less than the amount provided in the Notes to be then due
and

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                                                                               3

payable (such amounts, the "Additional Amounts"); provided, however, that the
Company shall not be required to make any payment of Additional Amounts for or
on account of:

               (i)    any tax, assessment or other governmental charge that
          would not have been imposed but for (A) the existence of any present
          or former connection between such holder, or between a fiduciary,
          settlor, beneficiary of, member or shareholder of, or possessor of a
          power over, such holder, if such holder is an estate, trust,
          partnership or corporation, and the United States including, without
          limitation, such holder, or such fiduciary, settlor, beneficiary,
          member, shareholder or possessor, being or having been a citizen or
          resident of the United States of America or treated as a resident
          thereof or being or having been engaged in trade or business or
          present in the United States of America, or (B) the presentation of
          this Note for payment on a date more than 30 days after the later of
          (x) the date on which such payment becomes due and payable and (y) the
          date on which payment thereof is duly provided for;

               (ii)   any estate, inheritance, gift, sales, transfer, excise,
          personal property or similar tax, assessment or other governmental
          charge;

               (iii)  any tax, assessment or other governmental charge imposed
          by reason of such holder's past or present status as a passive foreign
          investment company, a controlled foreign corporation, a personal
          holding company or foreign personal holding company with respect to
          the United States of America, or as a corporation which accumulates
          earnings to avoid United States federal income tax;

               (iv)   any tax, assessment or other governmental charge which is
          payable otherwise than by withholding from payment of principal of or
          interest on this Note;

               (v)    any tax, assessment or other governmental charge required
          to be withheld by any paying agent from any payment of principal of or
          interest on this Note if such payment can be made without withholding
          by any other paying agent;

               (vi)   any tax, assessment or other governmental charge which
          would not have been imposed but for the failure to comply with
          certification, information, documentation or other reporting
          requirements concerning the nationality, residence, identity or
          connections with the United States of America of the holder or
          beneficial owner of this Note, if such compliance is required by
          statute or by regulation of the United States Treasury Department as a
          precondition to relief or exemption from such tax, assessment or other
          governmental charge;

               (vii)  any tax, assessment or other governmental charge imposed
          on interest received by (A) a 10% shareholder (as defined in Section
          871(h)(3)(B) of the United States Internal Revenue Code of 1986, as
          amended (the "Code"), and the regulations that may be promulgated
          thereunder) of the Company or (B) a controlled foreign corporation
          with respect to the Company within the meaning of the Code; or

               (viii) any combination of items (i), (ii), (iii), (iv), (v), (vi)
          and (vii) in this Section 4(a);

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                                       4

nor shall any Additional Amounts be paid to any holder who is a fiduciary
partnership or other than the sole beneficial owner of this Note to the extent
that a beneficiary or settlor with respect to such fiduciary, or a member of
such partnership or a beneficial owner thereof would not have been entitled to
the payment of such Additional Amounts had such beneficiary, settlor, member or
beneficial owner been the holder.

               "United States Alien" means any corporation, partnership,
individual or fiduciary that is, as to the United States of America, a foreign
corporation, a non-resident alien individual who has not made a valid election
to be treated as a United States resident, a non-resident fiduciary of a foreign
estate or trust, or a foreign partnership one or more of the members of which
is, as to the United States of America, a foreign corporation, a non-resident
alien individual or a non-resident fiduciary of a foreign estate or trust.

               (b)   Redemption Upon a Tax Event. The Notes may be redeemed at
the option of the Company in whole, but not in part, on a date (such date, the
"Tax Redemption Date") to be fixed by the Company on not more than 60 days' and
not less than 30 days' notice, at a redemption price equal to 100% of the
principal amount of the Notes (the "Redemption Price") plus accrued but unpaid
interest, if any, thereon, if the Company determines that as a result of any
change in or amendment to the laws, treaties, regulations or rulings of the
United States of America or any political subdivision or taxing authority
thereof, or any proposed change in such laws, treaties, regulations or rulings,
or any change in the official application, enforcement or interpretation of such
laws, treaties, regulations or rulings, including a holding by a court of
competent jurisdiction in the United States of America, or any other action,
other than an action predicated on laws generally known on or before July 9,
2002 except for proposals before the U.S. Congress before such date, taken by
any taxing authority or a court of competent jurisdiction in the United States
of America, or the official proposal of any such action, whether or not such
action or proposal was taken or made with respect to the Company, (A) the
Company has or will become obligated to pay Additional Amounts or (B) there is a
substantial possibility that the Company will be required to pay such Additional
Amounts.

               Prior to the publication of any notice of redemption pursuant to
Section 15 hereof, the Company shall deliver to the Trustee (1) an Officers'
Certificate stating that the Company is entitled to effect such redemption and
setting forth a statement of facts showing that the conditions precedent to the
rights of the Company to so redeem have occurred and (2) an Opinion of Counsel
to such effect based on such statement of facts.

               If the Company elects to redeem the Notes pursuant to this
Section 4(b), then it shall give notice to the holders pursuant to Section 15
hereof.

               The notice of redemption, shall specify the following:

               (i)   the Tax Redemption Date;

               (ii)  a brief statement to the effect that the Notes are being
          redeemed at the option of the Company pursuant to this Section 4(b)
          and a brief statement of the facts permitting such redemption;

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                                                                               5

          (iii) that on the Tax Redemption Date, the Redemption Price, plus
     accrued but unpaid interest on the Notes, if any, will become due and
     payable;

          (iv)  the amount of the Redemption Price and accrued but unpaid
     interest, if any, that will be due and payable on the Notes on the Tax
     Redemption Date;

          (v)   the place or places of payment of the amounts due under clause
     (iv) above;

          (vi)  that payment of the amounts due under clause (iv) above will be
     made upon presentation and surrender of the Notes; and

          (vii) that, following the redemption of the Notes pursuant to this
     Section 4(b), interest shall cease to accrue thereon.

          The notice of redemption regarding the Notes shall be, at the election
of the Company, given by the Company or, at the Company's request, by the
Trustee in the name and at the expense of the Company.

          On or before the opening of business on any Tax Redemption Date, the
Company shall deposit with the Trustee or with the Paying Agent or, if the
Company is acting as its own paying agent, segregate and hold in trust as
provided in Section 5.03 of the Indenture, an amount of money sufficient to pay
the Redemption Price of, and except if the Tax Redemption Date shall be an
Interest Payment Date, accrued but unpaid interest on, the Notes to be redeemed
on the Tax Redemption Date.

          The notice of redemption having been given as specified above, the
Notes shall, on the Tax Redemption Date, become due and payable at the
Redemption Price, and from and after such date, unless the Company shall default
in the payment of the Redemption Price and accrued but unpaid interest, if any,
the Notes shall cease to bear interest. Upon surrender of the Notes for
redemption in accordance with such notice, the Notes shall be paid by the
Company at the Redemption Price, together with accrued but unpaid interest, if
any, to the Tax Redemption Date.

          If the Notes, having been called for redemption, shall not be so paid
upon surrender thereof for redemption, the Redemption Price shall, until paid,
bear interest from the Tax Redemption Date at the interest rate borne by this
Note.

          5.   Place and Method of Payment. The Company shall pay principal of
and interest on the Notes at the office or agency of the Paying Agent in the
Borough of Manhattan, The City of New York; provided, however, that at the
option of the Company, the Company may pay interest by check mailed to the
person entitled thereto at such person's address as it appears on the Registry
for the Notes.

          6.   Defeasance of the Notes. Sections 11.02, 11.03 and 11.04 of the
Indenture shall apply to the Notes.

          7.   No Redemption; Sinking Fund. The Notes are not redeemable prior
to maturity, other than as set forth in Section 4(b) hereof, and are not subject
to a sinking fund.

<PAGE>

                                                                               6

          8.   Amendment and Modification. Article Nine of the Indenture
contains provisions for the amendment or modification of the Indenture and the
Notes without the consent of the holders in certain circumstances and requiring
the consent of holders of not less than a majority in aggregate principal amount
of the Notes and Securities of other series that would be affected in certain
other circumstances. However, the Indenture requires the consent of each holder
of the Notes and Securities of other series that would be affected for certain
specified amendments or modifications of the Indenture and the Notes. These
provisions of the Indenture, which provide for, among other things, the
execution of supplemental indentures, are applicable to the Notes.

          9.   Default; Waiver. If an Event of Default with respect to the Notes
shall occur and be continuing, then either the Trustee or the Holders of not
less than 25% in aggregate principal amount of the Notes of this series then
Outstanding may declare the aggregate principal amount of the Notes of this
series to be immediately due and payable in the manner, with the effect and
subject to the conditions provided in the Indenture. The Indenture provides that
in the event of such a declaration, the holders of a majority in aggregate
principal amount of all of the Notes of this series then outstanding, voting as
a separate class, in accordance with the provisions of, and in the circumstances
provided by, the Indenture, may rescind and annul the declaration and its
consequences and the related default and its consequences may be waived with
respect to all of the Notes.

          10.  Absolute Obligation. No reference herein to the Indenture and no
provisions of the Notes or of the Indenture shall alter or impair the obligation
of the Company, which is absolute and unconditional, to pay the principal of and
interest on this Note at the place, at the time and in the coin or currency
herein prescribed.

          11.  Form and Denominations; Global Notes; Definitive Notes. The Notes
are being issued in registered form without coupons in denominations of $1,000
and multiples of $1,000. The Notes are being issued in the form of global notes
(each, a "Global Note"), evidencing all or any portion of the Notes and
registered in the name of DTC or its nominee (including their respective
successors) as Depositary under the Indenture. The Notes shall be issued in
certificated form (each, a "Definitive Note") only in the following limited
circumstances: (1) the Depositary is at any time unwilling or unable to continue
as Depositary or ceases to be a clearing agency registered under applicable law,
and a successor depositary is not appointed by the Company within 90 days after
the Company receives such notice or becomes aware of such ineligibility, (2) the
Company delivers to the Trustee a Company Order to the effect that this Note
shall be exchangeable for Definitive Notes or (3) an Event of Default has
occurred and is continuing with respect to the Notes, in each such case this
Note shall be exchangeable for Definitive Notes in an equal aggregate principal
amount. Such Definitive Notes shall be registered in such name or names as the
Depositary shall instruct the Trustee.

          12.  Registration, Transfer and Exchange. As provided in the Indenture
and subject to certain limitations therein set forth, the Company shall provide
for the registration of the Notes and the transfer and exchange of the Notes,
whether in global or Definitive form. At the option of the holders, at any
office or agency designated and maintained by the Company for such purpose (the
"Transfer Agent") pursuant to the provisions of the Indenture, and in the manner
and subject to the limitations provided in the Indenture, but without the
payment of any service charge, except for any transfer tax or other governmental
charges imposed in connection

<PAGE>

                                                                               7

therewith subject to Section 4 hereof, the Notes may be transferred or exchanged
for an equal aggregate principal amount of the Notes of like tenor and of other
authorized denominations upon surrender and cancellation of the Notes upon any
such transfer.

          The Company, the Trustee, and any agent of the Company or of the
Trustee may deem and treat the holder as the absolute owner of this Note
(whether or not the Notes shall be overdue and notwithstanding any notation of
ownership or other writing hereon), for the purpose of receiving payments
hereon, or on account hereof, and for all other purposes, and neither the
Company nor the Trustee nor any agent of the Company or of the Trustee shall be
affected by any notice to the contrary. All such payments made to or upon the
order of such holder shall, to the extent of the amount or amounts paid,
effectually satisfy and discharge liability for moneys payable on this Note.

          Notwithstanding the preceding paragraphs of this Section 12, any
registration of transfer or exchange of a Global Note shall be subject to the
terms of the legend appearing on the initial page thereof.

          13. No Recourse Against Others. No recourse under or upon any
obligation, covenant or agreement of the Company arising under or set forth in
the Notes or under the Indenture, or for any claim based thereon or otherwise in
respect thereof, shall be had against any incorporator, stockholder, officer or
director, as such, past, present or future, of the Company or of any successor
corporation, either directly or through the Company or any successor
corporation, whether by virtue of any constitution, statute or rule of law or by
the enforcement of any assessment or penalty or otherwise, any and all such
personal liability, either at common law or in equity or by constitution or
statute, of, and any and all such rights and claims against, every such
incorporator, stockholder, officer or director, as such, being, by the
acceptance hereof and as part of the consideration for the issue hereof,
expressly waived and released.

          14.  Appointment of Agents. Bank One Trust Company, NA is hereby
appointed the Registrar for the purpose of registering the Notes and transfers
and exchanges of the Notes pursuant to the Indenture and this Note, Paying Agent
pursuant to Section 3.04 of the Indenture and Transfer Agent with respect to the
Notes at its offices in the Borough of Manhattan, The City of New York.

          15.  Notices. If the Company is required to give notice to the holders
of the Notes pursuant to the terms of the Indenture, then it shall do so by the
means and in the manner set forth in Section 1.06 of the Indenture.

          In addition, the Company shall give notices to the holders of the
Notes by publication in a leading daily newspaper in The City of New York and in
London. Initially, such publication shall be made in The City of New York in The
Wall Street Journal and in London in the Financial Times. Any such notice shall
be deemed to have been given on the date of publication or, if published more
than once, on the date of the first publication.

          16.  Separability. In case any provision of the Indenture or the Notes
shall, for any reason, be held to be invalid, illegal or unenforceable, then the
validity, legality and

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                                                                               8

enforceability of the remaining provisions thereof and hereof shall not in any
way be affected or impaired thereby.

          17.  GOVERNING LAW. THE NOTES SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

<PAGE>

                                 ASSIGNMENT FORM

To assign this Note, fill in the form below:

          For the value received, the undersigned hereby assigns and transfers
the within Note, and all rights thereunder, to:

________________________________________________________________________________
                         (Insert assignee's legal name)

________________________________________________________________________________
        (Insert assignee's social security or tax identification number)

________________________________________________________________________________
             (Print or type assignee's name, address and zip code)

________________________________________________________________________________

________________________________________________________________________________

and irrevocably appoints

___________________________________________________________________

to transfer this Note on the books of Wal-Mart Stores, Inc.  The agent may
substitute another to act for it.

      Your Signature:___________________________________________________________
                    (Sign exactly as your name appears on the face of this Note)

Date: ___________________

Signature Guarantee

The signature(s) should be Guaranteed by an Eligible Guarantor Institution
pursuant to Rule 17Ad-15 of the Securities Exchange Act of 1934, as amended.

                                    * * * * *

     The following abbreviations, when used in the inscription on the face of
the within Note, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM -   as tenants in common

TEN ENT -   as tenants by the entireties

JT ENT -    as joint tenants with right
            of survivorship and not as
            tenants in common

<PAGE>

                                                                               2

________ UNIF GIFT MIN ACT - ______ Custodian ______ under the Uniform Gifts to
                             (Cust)           (Minor)
Minors Act _______
           (State)

Additional abbreviations may also be used although not in the above list.<PAGE>

                                                                    Exhibit 10.1

                           THIRD AMENDMENT AND WAIVER
                                TO LOAN AGREEMENT

                  This THIRD AMENDMENT AND WAIVER TO LOAN AGREEMENT (this
"Amendment") is entered into as of May 9, 2002, by and among CELLSTAR
CORPORATION, a Delaware corporation ("Parent"), each of Parent's Subsidiaries
signatory hereto (together with Parent, each an individual "Borrower," and
collectively, the "Borrowers"), the lenders signatory hereto (the "Lenders"),
and FOOTHILL CAPITAL CORPORATION, in its capacity as agent (the "Agent") for the
Lenders,

                              W I T N E S S E T H:

                  WHEREAS, the Borrowers, the Lenders and the Agent have entered
into that certain Loan and Security Agreement dated as of September 28, 2001, as
amended by that certain First Amendment to Loan Agreement dated as of October
12, 2001, and as further amended by that certain Second Amendment to Loan
Agreement dated as of February 11, 2002 (as the same may be further modified,
amended, restated or supplemented from time to time, the "Loan Agreement"),
pursuant to which the Lenders have agreed to make loans and other financial
accommodations to the Borrowers from time to time; and

                  WHEREAS, the Borrowers have requested that the Agent and the
Lenders amend and/or make necessary waivers to permit the Borrowers to implement
a plan to (i) discontinue its operations in the United Kingdom, Argentina,
Ireland, Barbados and Peru; (ii) maximize the value to the Parent of its
operations in Sweden, the Netherlands, Colombia and Chile; and (iii) dispose of
the assets, if appropriate, used in connection with such foreign operations
through an asset sale, stock sale or otherwise, including the divestiture and/or
liquidation of the Subsidiaries listed on Schedule 1 attached hereto
(collectively, the "Restructuring Subsidiaries") (such plan hereinafter referred
to as the "Restructuring Plan"); and

                  WHEREAS, the Borrowers have requested that the Agent and the
Lenders amend the Loan Agreement to remove CellStar Netherlands B.V. from the
Fixed Charge Coverage Ratio for the Subsidiaries operating in the geographic
area comprising Europe, so as to permit CellStar Netherlands B.V. to enter into
a revolving asset-based credit facility to fund the Borrowers' operations in the
Netherlands without violating the Fixed Charge Coverage Ratio covenant set forth
in Section 7.20(b) of the Loan Agreement; and

                  WHEREAS, the Borrowers have requested that the Agent and the
Lenders amend the Loan Agreement to exclude principal payments on short term
borrowings made by the Borrowers' Foreign Subsidiaries located in Asia from the
Fixed Charge Coverage Ratio calculation for the Borrowers' Subsidiaries
operating within the geographic region comprising Asia; and

<PAGE>

                  WHEREAS, the Borrowers have requested that the Agent and the
Lenders amend the definition of "Permitted Affiliate Transactions" to allow
Parent to guaranty personal property operating leases of its Subsidiaries; and

                  WHEREAS, the Borrowers have requested that the Agent and the
Lenders permit the assignment of certain intercompany accounts receivable
between and among certain of the Borrowers and Celular Express S.A. de C.V.,
CellStar Netherlands Holding B.V. and CellStar (UK) Ltd.; and

                  WHEREAS, the Agent and the Lenders have agreed to the
requested amendments and waivers on the terms and conditions set forth herein;

                  NOW THEREFORE, in consideration of the foregoing premises and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto hereby agree that all capitalized terms
not otherwise defined herein shall have the meanings ascribed to such terms in
the Loan Agreement and further agree as follows:

          1.      Amendment to Section 1.1 of the Loan Agreement.

                  (a) Section 1.1 of the Loan Agreement, "Definitions," is
hereby modified and amended by deleting the existing definition of "Fixed Charge
Coverage Ratio" and inserting the following definition in substitution thereof:

                  ""Fixed Charge Coverage Ratio" means, with respect to any
Person during any fiscal period and without duplication, the ratio for such
Person during such fiscal period, of (a) EBITDA, minus (i) cash capital
expenditures, minus (ii) tax expense (excluding amounts to be offset by any net
operating losses) for such Person during such fiscal period, plus cash tax
refunds received in such period, to (b) (i) principal payments made by such
Person on any Indebtedness during such fiscal period (other than refinancings
permitted by Section 7.1(d), payments on Advances, payments on revolving loans
under any Permitted Foreign Subsidiary Credit Facility to the extent available
to be reborrowed under such facility or cash collateral is released as a result
thereof, payments under any Permitted Foreign Subsidiary Credit Facility with an
initial term, including any permitted extensions thereof, of six (6) months or
less, cash payments on the Convertible Subordinated Debt required by Section
6.16, and refinancings of debt of a Foreign Subsidiary with the proceeds of a
credit facility obtained by another Foreign Subsidiary within the same non-U.S.
geographic region) and (ii) cash interest expense minus cash interest income
during such fiscal period."

                  (b) Section 1.1 of the Loan Agreement, "Definitions," is
hereby modified and amended by deleting subsection (a) of the definition of
"Permitted Affiliate Transaction" set forth therein in its entirety and
inserting the following in substitution thereof:

                      "(a) Transactions between Parent and its Subsidiaries
(including Borrowers). Parent may, provided that no Event of Default exists or
will result therefrom (i) guarantee obligations of any Subsidiary, including any
Borrower, with respect to (A) trade payables consisting of goods or materials
purchased in the ordinary course of business of such Subsidiary for which
payment is not more than 90 days past due (unless subject to a dispute

                                        2

<PAGE>

being diligently contested), (B) real property operating leases, (C) personal
property operating leases not to exceed $5 Million in the aggregate outstanding
at any one time, and (D) a Permitted Foreign Subsidiary Credit Facility,
provided that (X) such guarantee is unsecured, and in the case of Parent's
guarantee of any Permitted Foreign Subsidiary Credit Facility entered into after
the Closing Date, such guarantee is also subordinated to the Obligations under
this Agreement, (Y) no default has occurred pursuant to such guarantee
obligation, (Z) no demand for payment has resulted from any such guarantee
obligation; and (ii) make capital contributions pursuant to subsection (h)
below, for the benefit of any Subsidiary, including any Borrower;"

                  (c) Section 1.1 of the Loan Agreement, "Definitions," is
hereby amended and modified by inserting the following definitions in
appropriate alphabetical order therein:

                      ""Restructuring Expenses" means, with respect to Parent
and its Subsidiaries during any fiscal period and without duplication, the net
income or loss directly associated with the implementation of the Restructuring
Plan, including, but not limited to, (a) the net income or loss of the
Restructuring Subsidiaries for any and all fiscal quarters including and
following the fiscal quarter that the Borrowers adopt such Restructuring Plan,
and (b) any income or expenses incurred by the Borrowers or any Subsidiary which
directly relate to, or arise in connection with, the implementation and
execution of the Restructuring Plan, including, but not limited to, legal and
accounting fees, financial advisory fees, brokerage and sales commissions, taxes
and consulting fees."

                      ""Restructuring Plan" means the Borrowers' plan to (a)
discontinue its foreign operations in the United Kingdom, Argentina, Ireland,
Barbados and Peru, (b) maximize the value to the Parent of its operations in
Sweden, The Netherlands, Colombia and Chile, and (c) dispose, if appropriate, of
the assets used in connection with such foreign operations through an asset
sale, stock sale or otherwise, including the divestiture or liquidation of the
Restructuring Subsidiaries."

                      ""Restructuring Subsidiaries" means the following
Subsidiaries: CellStar S.A., CellStar Argentina S.A., CellStar de Colombia,
Ltda, CellStar del Peru, S.A., Celular Express del Peru S.A.C., Quick Cellular
S.A.C., CellStar Chile, S.A., CellStar (UK) Ltd., CellStar Netherlands B.V.,
CellStar Holding AB, CellStar-Intercall AB, CellStar Ireland and CellStar
Foreign Sales Corporation."

             2.  Amendment to Section 7.20 of the Loan Agreement. Section 7.20
of the Loan Agreement, "Financial Covenants," is hereby modified and amended by
deleting subsections 7.20 (a) and (b) in their entirety and inserting the
following in substitution thereof:

                 "(a) Consolidated Tangible Net Worth. Parent and its
Subsidiaries, taken as a whole, shall not permit Consolidated Tangible Net Worth
to be less than Initial Consolidated Tangible Net Worth for the last day of the
fiscal months of August, September and October of 2001, and less than the
required amount set forth in the following table for November 30, 2001 and for
the last day of each fiscal quarter thereafter as set forth below, and for each
month following such quarter-end date until the next fiscal quarter-end
calculation:

                                        3

<PAGE>

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

               Applicable Amount                        Applicable Period

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

   Initial Consolidated Tangible         For fiscal months ended  August,
   Net Worth                             September and October, 2001.

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

   Initial Consolidated Tangible         Beginning with fiscal quarter ended
   Net Worth, plus (a) 100% of the       November 30, 2001 through February
   gain or loss, if any, realized as a   28, 2002.
   result of forgiveness of any
   Convertible Subordinated Debt
   (after taxes), plus (b) 100% of
   the additional paid-in capital
   resulting from the conversion of
   the Convertible Subordinated
   Debt, and plus (c) 80% of net
   income of the Parent and its
   Subsidiaries, on a consolidated
   basis (without any deduction for
   losses) on a cumulative basis
   from September 1, 2001 for each
   quarter ended thereafter through
   such date of determination
   -----------------------------------------------------------------------------

   Initial  Consolidated  Tangible       Beginning with the fiscal quarter ended
   Net Worth, plus (a) 100% of the       May 31, 2002 through the Maturity
   gain or  loss, if any, realized as a  Date.
   result of forgiveness of any
   Convertible Subordinated Debt
   (after taxes), plus (b) 100% of
   the additional paid-in capital
   resulting from the conversion of
   the Convertible Subordinated
   Debt, plus (c) 80% of net income
   of the Parent and its Subsidiaries
   on a consolidated basis (without
   any deduction for losses) on a
   cumulative basis from
   September 1, 2001 to, and
   including February 28, 2002,
   plus (d) 75% of net income of
   the Parent and its Subsidiaries,
   on a consolidated basis (without
   any deduction for losses) on a
   cumulative basis from March 1,
   2002 for each quarter ended
   thereafter through such date of
   -----------------------------------------------------------------------------

                                        4

<PAGE>

   -----------------------------------------------------------------------------
    determination and minus (e)
    100% of the Restructuring
    Expenses on a cumulative basis
    through such date of
    determination not to exceed
    $30 Million.

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

    (b)   Fixed Charge Coverage Ratio for Asia, Latin America and Europe. Fail
to maintain a Fixed Charge Coverage Ratio of at least the required ratio set
forth in the following table as of the last day of each fiscal quarter beginning
November 30, 2001, calculated for the immediately preceding four fiscal quarter
period for the applicable region, on an individual basis:

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

       Required Ratio                           Applicable Region

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

          2.0:1.0                Subsidiaries operating within the
                                 geographic area comprising Asia
   -----------------------------------------------------------------------------

          2.0:1.0                Subsidiaries  operating  within the
                                 geographic area comprising Latin America

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

          2.0:1.0                Subsidiaries operating within the
                                 geographic area comprising Europe
                                 (excluding the income statement effect
                                 of up to $10,000,000 of outstanding
                                 Indebtedness under any  Permitted
                                 Foreign Subsidiary Credit Facility of
                                 CellStar Netherlands B.V. or CellStar
                                 Netherlands Holdings B.V., on an
                                 aggregate basis)

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

          Notwithstanding the foregoing, for any period in which a Fixed Charge
Coverage Ratio is calculated hereunder for the Asia, Latin America and Europe
regions, if, for any region on an individual basis, the result of the
calculation set forth in clause (b) of the definition of Fixed Charge Coverage
Ratio hereunder for the Asia, Latin America and Europe regions, respectively is
less than or equal to zero, no Fixed Charge Coverage Ratio will be tested
pursuant to this subsection (b)."

    3.    Waivers Regarding Restructuring Plan. The Agent and the Lenders
hereby consent to the Restructuring Plan and waive compliance with Sections 7.3,
7.4 and 7.9 of the Loan Agreement, as necessary to permit the Borrowers to
implement the Restructuring Plan, including the divestiture and/or liquidation
of the Restructuring Subsidiaries, upon the following terms and conditions:

          (a) the total of all cash expenses incurred by Parent and the Domestic

                                        5

<PAGE>

Subsidiaries, or paid by Parent or the Domestic Subsidiaries on behalf of their
respective Foreign Subsidiaries, in connection with the Restructuring Plan shall
not exceed $2,500,000, net of cash received by Parent or Domestic Subsidiaries
in connection with the Restructuring Plan, on an aggregate basis;

          (b) the total of the Restructuring Expenses, including cash and
non-cash charges, incurred by Parent and its Subsidiaries shall not exceed
$30,000,000 on an aggregate basis;

          (c) Parent and its Subsidiaries shall not incur any additional
Indebtedness in connection with the Restructuring Plan;

          (d) the proceeds received from any transaction executed under the
Restructuring Plan shall not be used to repay, prepay or otherwise paydown any
Permitted Foreign Credit Facility of a Foreign Subsidiary other than the
Restructuring Subsidiaries;

          (e) 90% of all net proceeds received from any transaction executed
under the Restructuring Plan shall be paid to Parent or returned to Parent
within ten (10) Business Days of receipt;

          (f) at least ten (10) Business Days prior to the execution of any
transaction or implementation of any part of the Restructuring Plan (other than
the discontinuance of operations in the UK, Argentina, Ireland, Barbados and
Peru, for which Parent has delivered preliminary estimates to the Agent and will
update such estimates upon any material change therein, or at the request of the
Agent) related to a specific foreign operation or Foreign Subsidiary, Parent
shall deliver to the Agent a detailed memorandum describing the specific plan as
it relates to such operational market and containing detailed information on an
entity-by-entity basis of the divestiture/closure plan for such foreign
operation or Foreign Subsidiary, in form and substance reasonably acceptable to
the Agent, and the terms of each such transaction shall be approved by the Agent
in writing (which such approval shall not be unreasonably withheld or delayed);
and

          (g) Parent shall provide such other information, documents,
instruments or approvals as the Agent or the Agent's counsel may reasonably
require;

provided, however, the above-referenced waiver shall not waive any other
requirement or hinder, restrict or otherwise modify the rights and remedies of
the Agent or the Lenders following the occurrence of any Default or Event of
Default under the Loan Agreement, including, but not limited to, any future
defaults by the Borrowers of the covenants contained in Section 7.3, Section 7.4
or Section 7.9 of the Loan Agreement. Lenders hereby consent to and authorize
Agent to release any and all liens or security interests held by them pursuant
to the Stock Pledge Agreement against the Stock of the Restricted Subsidiaries,
as necessary pursuant to the Restructuring Plan.

     4.   Waiver Regarding Assignment of Certain Intercompany Accounts
Receivable. The Agent and the Lenders hereby (a) consent to (i) the assignment
by National Auto Center, Inc. ("NAC") to CellStar Netherlands Holdings B.V.
("CellStar Holdings") of certain intercompany trade accounts receivable totaling
approximately $18 million payable to NAC by Celular Express S.A. de C.V. (the
"CELEX Payables"), and (ii) the assignment by CellStar

                                        6

<PAGE>

Holdings to NAC of certain intercompany receivables totaling approximately $18
million payable to CellStar Holdings by CellStar (UK) Ltd. (such assignments
hereinafter collectively referred to as the "Intercompany Assignment"), and (b)
waive compliance with Section 7.1 and Section 7.14 of the Loan Agreement, as
necessary to permit NAC to complete the Intercompany Assignment.

     5.   No Other Amendments or Waivers. Except as otherwise expressed herein,
the execution, delivery and effectiveness of this Amendment shall not operate as
a waiver of any right, power or remedy of the Agent or the Lenders under the
Loan Agreement or any of the other Loan Documents, nor constitute a waiver of
any provision of the Loan Agreement or any of the other Loan Documents. Except
for the amendment set forth above, the text of the Loan Agreement and all other
Loan Documents shall remain unchanged and in full force and effect and each
Borrower hereby ratifies and confirms its obligations thereunder. This Amendment
shall not constitute a modification of the Loan Agreement or a course of dealing
with the Agent or the Lenders at variance with the Loan Agreement such as to
require further notice by the Agent or the Lenders to require strict compliance
with the terms of the Loan Agreement and the other Loan Documents in the future,
except as expressly set forth herein. Each Borrower acknowledges and expressly
agrees that the Agent and the Lenders reserve the right to, and do in fact,
require strict compliance with all terms and provisions of the Loan Agreement
and the other Loan Documents. The Borrowers have no knowledge of any challenge
to the Agent's or any Lenders' claims arising under the Loan Documents, or to
the effectiveness of the Loan Documents.

     6.   Conditions Precedent to Effectiveness. This Amendment shall become
effective as of the date hereof when, and only when, the Agent shall have
received each of the following:

          (a)  a fully executed and delivered counterparts of this Amendment by
the Borrowers, the Lenders and the Agent;

          (b)  payment of a Lenders' amendment fee from the Borrowers in the
amount of $318,750 (it being understood that, by execution and delivery of this
Amendment, the Borrowers authorize the Agent to charge the Borrowers' Loan
Account for such fee and such amount shall thereafter accrue interest at the
rate applicable to Advances under the Loan Agreement in accordance with Section
2.6 of the Loan Agreement) which shall be for the benefit of the Lenders in
accordance with each Lender's Pro Rata Share; and

          (c)  such other information, documents, instruments or approvals as
the Agent or the Agent's counsel may reasonably require.

     7.   Representations and Warranties of Borrowers. Each Borrower represents
and warrants to the Agent and the Lenders as follows:

          (a)  Each Borrower is a corporation or limited partnership organized
or formed, as the case may be, validly existing and in good standing under the
laws of the jurisdiction indicated on the signature pages hereto and in all
other jurisdictions in which the failure to be so qualified reasonably could be
expected to constitute a Material Adverse Change;

                                        7

<PAGE>

          (b) The execution, delivery, and performance by each Borrower of this
Amendment and the Loan Documents to which it is a party, as amended hereby, are
within such Borrower's corporate or partnership authority, have been duly
authorized by all necessary corporate or partnership action and do not and will
not (i) violate any provision of federal, state, or local law or regulation
applicable to such Borrower, the Governing Documents of any Borrower, or any
order, judgment, or decree of any court or other Governmental Authority binding
on any Borrower, (ii) conflict with, result in a breach of, or constitute (with
due notice or lapse of time or both) a default under any material contractual
obligation of any Borrower, (iii) result in or require the creation or
imposition of any Lien of any nature whatsoever upon any properties or assets of
any Borrower, other than Permitted Liens, or (iv) require any approval of any
Borrower's shareholders, partners, or members or any approval or consent of any
Person under any material contractual obligation of any Borrower;

          (c) The execution, delivery, and performance by each Borrower of this
Amendment and the Loan Documents to which it is a party, as amended hereby, do
not and will not require any registration with, consent, or approval of, or
notice to, or other action with or by, any Governmental Authority or other
Person;

          (d) This Amendment and each other Loan Document to which each Borrower
is a party, and all other documents contemplated hereby and thereby, when
executed and delivered by each Borrower will be the legally valid and binding
obligations of such Borrower, enforceable against each Borrower in accordance
with their respective terms, except as enforcement may be limited by equitable
principles or by bankruptcy, insolvency, reorganization, moratorium, or similar
laws relating to or limiting creditors' rights generally; and

          (e) No Default or Event of Default is existing.

     8.   Counterparts. This Amendment may be executed in multiple counterparts,
each of which shall be deemed to be an original and all of which, taken
together, shall constitute one and the same agreement. In proving this Amendment
in any judicial proceedings, it shall not be necessary to produce or account for
more than one such counterpart signed by the party against whom such enforcement
is sought. Any signatures delivered by a party by facsimile transmission shall
be deemed an original signature hereto.

     9.   Reference to and Effect on the Loan Documents. Upon the effectiveness
of this Amendment, on and after the date hereof each reference in the Loan
Agreement to "this Agreement," "hereunder," "hereof" or words of like import
referring to the Loan Agreement, and each reference in the other Loan Documents
to "the Loan Agreement" "thereunder," "thereof" or words of like import
referring to the Loan Agreement, shall mean and be a reference to the Loan
Agreement as amended hereby.

     10.  Costs, Expenses and Taxes. The Borrowers agree to pay on demand all
reasonable costs and expenses in connection with the preparation, execution, and
delivery of this Amendment and the other instruments and documents to be
delivered hereunder, including, without limitation, the reasonable fees and
out-of-pocket expenses of counsel for the Agent with respect thereto and with
respect to advising the Agent as to its rights and responsibilities hereunder
and thereunder.

                                        8

<PAGE>

     11.  Governing Law. This Amendment shall be deemed to be made pursuant to
the laws of the State of Georgia with respect to agreements made and to be
performed wholly in the State of Georgia, and shall be construed, interpreted,
performed and enforced in accordance therewith, without reference to the
conflict or choice of laws provisions thereof.

     12.  Loan Document. This Amendment shall be deemed to be a Loan Document
for all purposes.

               [The remainder of the page is intentionally blank]

                                        9

<PAGE>

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

BORROWERS:                                   CELLSTAR CORPORATION, a Delaware
                                             corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:    Elaine Flud Rodriguez
                                             Title: Sr. VP and General Counsel

                                             CELLSTAR, LTD., a Texas limited
                                             partnership

                                             By:    National Auto Center, Inc.
                                                    its General Partner

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:    Elaine Flud Rodriguez
                                             Title: Sr. VP and General Counsel

                                             NATIONAL AUTO CENTER, INC., a
                                             Delaware corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:    Elaine Flud Rodriguez
                                             Title: Sr. VP and General Counsel

                                             CELLSTAR AIR SERVICES, INC., a
                                             Delaware corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:    Elaine Flud Rodriguez
                                             Title: Sr. VP and General Counsel

                        THIRD AMENDMENT TO LOAN AGREEMENT
                                Signature Page 1

<PAGE>

                                             CELLSTAR TELECOM, INC.,
                                             a Delaware corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             CELLSTAR FINANCO, INC., a Delaware
                                             corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             A&S AIR SERVICE, INC., a Delaware
                                             Corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             CELLSTAR INTERNATIONAL
                                             CORPORATION/SA, a Delaware
                                             corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             CELLSTAR FULFILLMENT, INC., a
                                             Delaware corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                       THIRD AMENDMENT TO LOAN AGREEMENT
                                Signature Page 2

<PAGE>

                                             CELLSTAR INTERNATIONAL
                                             CORPORATION/ASIA, a Delaware
                                             Corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             AUDIOMEX EXPORT CORP.,
                                             a Texas corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             NAC HOLDINGS, INC., a Nevada
                                             corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   President

                                             CELLSTAR GLOBAL SATELLITE SERVICES,
                                             LTD., a Texas limited partnership

                                             By:      National Auto Center, Inc.
                                                      its General Partner

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                        THIRD AMENDMENT TO LOAN AGREEMENT
                                Signature Page 3

<PAGE>

                                             CELLSTAR FULFILLMENT LTD., a Texas
                                             limited partnership

                                             By:      CellStar Fulfillment, Inc.
                                                      its General Partner

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

                                             FLORIDA PROPERTIES, INC.,
                                             a Texas corporation

                                             /s/  Elaine Flud Rodriguez
                                             -----------------------------------
                                             By:      Elaine Flud Rodriguez
                                             Title:   Sr. VP and General Counsel

AGENT AND LENDERS:                           FOOTHILL CAPITAL CORPORATION, a
                                             California corporation, as Agent
                                             and as a Lender

                                             /s/  Robert Bernier
                                             -----------------------------------
                                             By:      Robert Bernier
                                             Title:   VP

                                             FLEET CAPITAL CORPORATION , as a
                                             Lender

                                             /s/  E. James Beckemeier
                                             -----------------------------------
                                             By:      E. James Beckemeier
                                             Title:   Vice President

                        THIRD AMENDMENT TO LOAN AGREEMENT
                                Signature Page 4

<PAGE>

                                             TEXTRON FINANCIAL CORPORATION, as a
                                             Lender

                                             /s/  Jerrold K. Brown
                                             -----------------------------------
                                             By:      Jerrold K. Brown
                                             Title:   Senior Vice President

                                             PNC BANK NATIONAL ASSOCIATION, as a
                                             Lender

                                             /s/  Robin L. Arriola
                                             -----------------------------------
                                             By:      Robin L. Arriola
                                             Title:   Vice President

                        THIRD AMENDMENT TO LOAN AGREEMENT
                                Signature Page 5

<PAGE>

                                   SCHEDULE 1
                           RESTRUCTURING SUBSIDIARIES

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------------
            Entity Name               Jurisdiction/Market                      Owner
-------------------------------------------------------------------------------------------------------
<S>                                 <C>                      <C>
CellStar S.A.                       Argentina                CellStar International Corporation/SA
-------------------------------------------------------------------------------------------------------
CellStar Argentina S.A.             Argentina                CellStar S.A.
-------------------------------------------------------------------------------------------------------
CellStar de Colombia, Ltda          Colombia                 CellStar International Corporation/SA
-------------------------------------------------------------------------------------------------------
CellStar del Peru, S.A.             Peru                     CellStar International Corporation/SA
-------------------------------------------------------------------------------------------------------
Celular Express del Peru S.A.C.     Peru                     National Auto Center, Inc.
-------------------------------------------------------------------------------------------------------
Quick Cellular S.A.C.               Peru                     National Auto Center, Inc.
-------------------------------------------------------------------------------------------------------
CellStar Chile, S.A.                Chile                    CellStar International Corporation/SA
-------------------------------------------------------------------------------------------------------
CellStar (UK) Ltd.                  United Kingdom           CellStar International Corporation/SA
-------------------------------------------------------------------------------------------------------
CellStar Netherlands B.V.           The Netherlands          CellStar Netherlands Holdings B.V.
-------------------------------------------------------------------------------------------------------
CellStar Holding AB                 Sweden                   CellStar Corporation
-------------------------------------------------------------------------------------------------------
CellStar-Intercall AB               Sweden                   CellStar Holdings AB
-------------------------------------------------------------------------------------------------------
CellStar Foreign Sales Corporation  Barbados                 National Auto Center, Inc.
-------------------------------------------------------------------------------------------------------
CellStar Ireland                    Ireland                  CellStar Corporation
-------------------------------------------------------------------------------------------------------
</TABLE>

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