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                                                                     EXHIBIT 4.1

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

     We consent to the reference to our firm under the caption
"Experts-Independent Registered Public Accounting Firm" and to the use of our
report dated September 15, 2004 in the Amendment No. 1 to the Registration
Statement (File No. 333-118787) and related Prospectus of Claymore Securities
Defined Portfolios, Series 189.

                                /s/ Grant Thornton LLP
                                ------------------------
                                GRANT THORNTON LLP

Chicago, Illinois
September 15, 2004QuickLinks
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Exhibit 10.23    
    

ASSIGNMENT AND ASSUMPTION AGREEMENT  

        THIS ASSIGNMENT AND ASSUMPTION AGREEMENT is made and entered into by and between FIRST MARBLEHEAD EDUCATION RESOURCES, INC. ("FMER"), a Delaware
corporation having a principal place of business at 800 Boylston St., 34th Floor, Boston, Massachusetts 02199 and TERI MARKETING SERVICES, INC. ("TMSI"), a Delaware corporation and wholly-owned
subsidiary of FMER. All capitalized terms used herein without definition have the meaning set forth in the Marketing Services Agreement by and between TMSI and THE EDUCATION RESOURCES
INSTITUTE, INC. ("TERI"), a private non-profit corporation organized under Chapter 180 of the Massachusetts General Laws, with its principal place of business at 31 St. James Ave.,
Boston, Massachusetts 02116. This Agreement is dated as of and effective as of January 1, 2004. 

RECITALS  

        WHEREAS, under the Marketing Services Agreement ("Agreement"), TMSI assists TERI in the marketing of
TERI-guaranteed loan programs; 

        WHEREAS, TMSI desires to assign the performance of its marketing services under the Agreement to FMER and FMER desires to assume the
obligations and duties of TMSI under the Agreement. 

        NOW THEREFORE, in consideration of the foregoing and the mutual agreements contained herein and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged and intending to be legally bound, the parties hereto hereby agree as follows: 

        1.    Assignment and Assumption.    TMSI hereby assigns to FMER all of its duties, responsibilities, and rights under
the Agreement, including without limitation, the performance of Marketing Services. FMER hereby assumes and agrees to perform such duties and responsibilities, subject to the terms and conditions set
forth in the Agreement. 

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first above stated. 

	FIRST MARBLEHEAD EDUCATION RESOURCES, INC.	 	TERI MARKETING SERVICES, INC.
	

By:	
 	

/s/  RALPH JAMES      
	
 	

By:	
 	

/s/  RALPH JAMES      

	Print Name:	 	Ralph James
	 	Print Name:	 	Ralph James

	Title:	 	President
	 	Title:	 	President

	

Seen and Agreed:
 THE EDUCATION

RESOURCES INSTITUTE, INC.	
 	

 	
 	

 
	

By:	
 	

/s/  LAWRENCE W. O'TOOLE      
	
 	

 	
 	

 
	Print Name:	 	Lawrence W. O'Toole
	 	 	 	 
	Title:	 	President
	 	 	 	 

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Exhibit 10.31    
    

The
First Marblehead Corporation

Nonstatutory Stock Option Agreement

Granted Under 2002 Director Stock Plan 

1.     Grant of Option.  

        This agreement evidences the grant by The First Marblehead Corporation, a Delaware corporation (the "Company"), on            ,
 200            (the "Grant
Date") to                        , a non-employee director of the Company (the "Participant"), of an option to purchase, in whole
or in part, on the terms provided herein and in the Company's 2002
Director Stock Plan (the "Plan"), a total of 4,000 shares (the "Shares") of common stock, $.01 par value per share, of the Company ("Common Stock") at
$                              per Share.
Unless earlier terminated, this option shall expire at 5:00 p.m., Eastern time, on            (the "Final Exercise Date"). 

        It
is intended that the option evidenced by this agreement shall not be an incentive stock option as defined in Section 422 of the Internal Revenue Code of 1986, as amended, and
any regulations promulgated thereunder (the "Code"). Except as otherwise indicated by the context, the term "Participant", as used in this option, shall be deemed to include any person who acquires
the right to exercise this option validly under its terms. 

2.     Vesting Schedule.  

        This option will become exercisable ("vest") as to 100% of the original number of Shares on the Grant Date. 

3.     Exercise of Option.  

        (a)    Form of Exercise.    Each election to exercise this option shall be in writing, signed by the Participant, and
received by the Company at its principal office, accompanied by this agreement, and payment in full in the manner provided in the Plan. The Participant may purchase less than the number of shares
covered hereby, provided that no partial exercise of this option may be for any fractional share or for fewer than ten whole shares. 

        (b)    Continuous Relationship with the Company Required.    Except as otherwise provided in this Section 3,
this option may not be exercised unless the Participant, at the time he or she exercises this option, is, and has been at all times since the Grant Date, a director of the Company (an "Eligible
Participant"). 

        (c)    Termination of Relationship with the Company.    If the Participant ceases to be an Eligible Participant for
any reason, then, except as provided in paragraphs (d) and (e) below, the right to exercise this option shall terminate 90 days after such cessation (but in no event after the
Final Exercise Date), provided that this option shall be exercisable only to the extent that the Participant was entitled to exercise this option on the
date of such cessation. Notwithstanding the foregoing, if the Participant, prior to the Final Exercise Date, violates the non-competition or confidentiality provisions of any
confidentiality and nondisclosure agreement or other agreement between the Participant and the Company, the right to exercise this option shall terminate immediately upon written notice to the
Participant from the Company describing such violation. 

        (d)    Exercise Period Upon Death or Disability.    If the Participant dies or becomes disabled (within the meaning of
Section 22(e)(3) of the Code) prior to the Final Exercise Date while he or she is an Eligible Participant and the Company has not removed the director from the Board as specified in
paragraph (e) below, this option shall be exercisable, within the period of one year following the date of death or disability of the Participant, by the Participant (or in the case of death by
an authorized transferee), provided that this option shall be exercisable only to the extent that this option was exercisable by the Participant on the date of his or her death or disability, and
further provided that this option shall not be exercisable after the Final Exercise Date. 

 

        (e)    Removal from the Board.    If the Participant, prior to the Final Exercise Date, is removed by the Company from
the Board of Directors, the right to exercise this option shall terminate immediately upon the effective date of such removal. 

4.     Nontransferability of Option.  

        This option may not be sold, assigned, transferred, pledged or otherwise encumbered by the Participant, either voluntarily or by operation of law, except by will
or the laws of descent and distribution, and, during the lifetime of the Participant, this option shall be exercisable only by the Participant. 

5.     Provisions of the Plan.  

        This option is subject to the provisions of the Plan, a copy of which is furnished to the Participant with this option. 

2

 

        IN
WITNESS WHEREOF, the Company has caused this option to be executed under its corporate seal by its duly authorized officer. This option shall take effect as a sealed instrument. 

	 	 	The First Marblehead Corporation
	

Dated:            	
 	

By:	

 Name:          

Title:            

3

 
PARTICIPANT'S
ACCEPTANCE 

        The
undersigned hereby accepts the foregoing option and agrees to the terms and conditions thereof. The undersigned hereby acknowledges receipt of a copy of the Company's 2002 Director
Stock Plan. 

	 	 	PARTICIPANT:
	

 	
 	

	

 	
 	

Address:	
 	

	

 	
 	

 	
 	

4

NOTICE OF STOCK OPTION EXERCISE  

Date:            

The
First Marblehead Corporation

The Prudential Tower

800 Boylston Street, 34th Floor

Boston, MA 02199-8157 

Attention:
Treasurer 

Dear
Sir or Madam: 

        I
am the holder of a Nonstatutory Stock Option granted to me under The First Marblehead Corporation (the "Company") 2002 Director Stock Plan
on                        for the purchase of
                        shares of Common Stock of the Company at a purchase price of
$                        per share.
 

        I
hereby exercise my option to purchase                        shares of Common Stock (the "Shares"), for which I have
enclosed                        in the amount of            . Please
register
my stock certificate as follows: 

	 	 	Name(s):	 	 	 	

	

 	
 	

 	
 	

 	
 	

	

 	
 	

Address:	
 	

 	
 	

	

 	
 	

Tax I.D. #:	
 	

 	
 	

Very
truly yours, 

(Signature) 

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Exhibit 10.31QuickLinks
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Exhibit 10.34    
    

The
First Marblehead Corporation

Incentive Stock Option Agreement

Granted Under 2003 Stock Incentive Plan 

1.     Grant of Option.  

        This agreement evidences the grant by The First Marblehead Corporation, a Delaware corporation (the "Company"), on            ,
 200            (the "Grant
Date") to                        , an employee of the Company (the "Participant"), of an option to purchase, in whole or in part,
on the terms provided herein and in the Company's 2003 Stock Incentive Plan
(the "Plan"), a total of                        shares (the "Shares") of common stock, $0.01 par value per share, of the Company
("Common Stock") at $                              per Share. Unless earlier
terminated, this option shall expire at 5:00 p.m., Eastern time, on            (the "Final Exercise Date"). 

        It
is intended that the option evidenced by this agreement shall be an incentive stock option as defined in Section 422 of the Internal Revenue Code of 1986, as amended, and any
regulations promulgated the reunder (the "Code"). Except as otherwise indicated by the context, the term "Participant", as used in this option, shall be deemed to include any person who acquires the
right to exercise this option validly under its terms. 

2.     Vesting Schedule.  

        This option will become exercisable ("vest") as to    % of the original number of Shares
on                                    and as to an
additional    % of
the original number of Shares
on                                    until    
                                . If the Participant's employment with the Company terminates
because the Participant dies or becomes disabled (within the meaning
of Section 22(e)(3) of the Code), then this Option shall become exercisable in full. If the Participant's employment with the Company is terminated by the Company for a reason other than
"Cause" (as
defined in the following sentence), then the number of Shares for which the Option shall become exercisable shall be determined as though the Participant's employment had terminated on the anniversary
of the Grant Date that next follows the date of actual termination. For purposes of this Section 2, "Cause" shall mean unsatisfactory job performance (as determined by the Company), willful
misconduct, fraud, gross negligence, disobedience or dishonesty. 

        The
right of exercise shall be cumulative so that to the extent the option is not exercised in any period to the maximum extent permissible it shall continue to be exercisable, in whole
or in part, with respect to all Shares for which it is vested until the earlier of the Final Exercise Date or the termination of this option under Section 3 hereof or the Plan. 

3.     Exercise of Option.  

        (a)    Form of Exercise.    Each election to exercise this option shall be in writing, signed by the Participant, and
received by the Company at its principal office, accompanied by this agreement, and payment in full in the manner provided in the Plan. The Participant may purchase less than the number of shares
covered hereby, provided that no partial exercise of this option may be for any fractional share. 

        (b)    Continuous Relationship with the Company Required.    Except as otherwise provided in this Section 3,
this option may not be exercised unless the Participant, at the time he or she exercises this option, is, and has been at all times since the Grant Date, an employee or officer of, or consultant or
advisor to, the Company or any parent or subsidiary of the Company as defined in Section 424(e) or (f) of the Code (an "Eligible Participant"). 

 

        (c)    Termination of Relationship with the Company.    If the Participant ceases to be an Eligible Participant for
any reason, then, except as provided in paragraphs (d), (e), and (f) below, the right to exercise this option shall terminate three months after such cessation (but in no event after the Final
Exercise Date), provided that this option shall be exercisable only to the extent that the Participant was entitled to exercise this option on the date
of such cessation. Notwithstanding the foregoing, if the Participant, prior to the Final Exercise Date, violates the non-competition or confidentiality
provisions of any employment contract, confidentiality and nondisclosure agreement or other agreement between the Participant and the Company, the right to exercise this option shall terminate
immediately upon such violation. 

        (d)    Exercise Period Upon Death.    If the Participant dies prior to the Final Exercise Date while he or she is an
Eligible Participant and the Company has not terminated such relationship for "cause" as specified in paragraph (f) below, this option shall be exercisable, within the period of one year
following the date of death of the Participant, by an authorized transferee, provided that this option shall be exercisable only to the extent that this option was exercisable by the Participant on
the date of his or her death, and further provided that this option shall not be exercisable after the Final Exercise Date. 

        (e)    Exercise Period Upon Disability.    If the Participant becomes disabled prior to the Final Exercise Date while
he or she is an Eligible Participant and the Company has not terminated such relationship for "cause" as specified in paragraph (f) below, this option shall be exercisable until the Final
Exercise Date, by the Participant (or in the case of death by an authorized transferee), provided that this option shall be exercisable only to the
extent that this option was exercisable by the Participant on the date of his or her disability, and further provided that this option shall not be exercisable after the Final Exercise Date. 

        (f)    Discharge for Cause.    If the Participant, prior to the Final Exercise Date, is discharged by the Company for
"Cause" (as defined in the following sentence), the right to exercise this option shall terminate immediately upon the effective date of such discharge. For purposes of this Section 3(f),
"Cause" shall mean willful misconduct by the Participant or willful failure by the Participant to perform his or her responsibilities to the Company (including, without limitation, breach by the
Participant of any provision of any employment, consulting, advisory, nondisclosure, non-competition or other similar agreement between the Participant and the Company), as determined by
the Company, which determination shall be conclusive. The Participant shall be considered to have been discharged for "Cause" if the Company determines, within 30 days after the Participant's
resignation, that discharge for cause was warranted. 

4.     Vesting upon Reorganization Event.  

        (a)    Option Not Assumed.    If a Reorganization Event (as defined in the Plan) occurs and this Option is not assumed
(as defined in the Plan) by the acquiring or succeeding corporation (or an affiliate thereof), this Option shall become exercisable in full beginning ten business days before the date of consummation
of the Reorganization Event and shall terminate immediately before such date of consummation; provided, however, in the event of a Reorganization Event under the terms of which holders of Common Stock
will receive upon consummation thereof a cash payment for each share of Common Stock surrendered pursuant to such Reorganization Event (the "Acquisition Price"), then this Option shall terminate upon
consummation of such Reorganization Event and the Participant shall
receive, in exchange therefor, a cash payment equal to the amount (if any) by which (A) the Acquisition Price multiplied by the number of shares of Common Stock subject this Option (whether or
not then exercisable), exceeds (B) the aggregate exercise price of this Option. 

        (b)    Option Assumed.    If a Reorganization Event (as defined in the Plan) occurs and this Option is assumed (as
defined in the Plan) by the acquiring or succeeding corporation (or an affiliate thereof), 

2

 

this
Option (as so assumed) shall continue to become exercisable in accordance with the original vesting schedule set forth in this Option and this Option (as so assumed) shall become immediately
exercisable in full if, on or prior to the second anniversary of the date of the consummation of the Reorganization Event, the Participant's employment with the Company or the acquiring or succeeding
corporation is terminated for Good Reason (as defined below) by the Participant or is terminated without Cause (as defined below) by the Company or the acquiring or succeeding corporation. 

        (c)    Definitions.    For purposes of this Section 4, (i) "Good Reason" shall mean any significant
diminution in the Participant's title, authority, or responsibilities from and after such Reorganization Event or any reduction in the annual cash compensation payable to the Participant from and
after such Reorganization Event or the relocation of the place of business at which the Participant is principally located to a location that is greater than 50 miles from its location immediately
prior to such Reorganization Event and (ii) "Cause" shall mean any (i) willful failure by the Participant, which failure is not cured within 30 days of written notice to the
Participant from the Company, to perform his or her material responsibilities to the Company or (ii) willful misconduct by the Participant which affects the business reputation of the Company. 

5.     Tax Matters.  

        (a)    Withholding.    No Shares will be issued pursuant to the exercise of this option unless and until the
Participant pays to the Company, or makes provision satisfactory to the Company for payment of, any federal, state or local withholding taxes required by law to be withheld in respect of this option. 

        (b)    Disqualifying Disposition.    If the Participant disposes of Shares acquired upon exercise of this option
within two years from the Grant Date or one year after such Shares were acquired pursuant to exercise of this option, the Participant shall notify the Company in writing of such disposition. 

6.     Nontransferability of Option.  

        This option may not be sold, assigned, transferred, pledged or otherwise encumbered by the Participant, either voluntarily or by operation of law, except by will
or the laws of descent and distribution, and, during the lifetime of the Participant, this option shall be exercisable only by the Participant. 

7.     Provisions of the Plan.  

        This option is subject to the provisions of the Plan, a copy of which is furnished to the Participant with this option. 

3

 

        IN
WITNESS WHEREOF, the Company has caused this option to be executed under its corporate seal by its duly authorized officer. This option shall take effect as a sealed instrument. 

	 	 	The First Marblehead Corporation
	

Dated:            	
 	

By:	

 Name:          

Title:            

4

 
PARTICIPANT'S
ACCEPTANCE 

        The
undersigned hereby accepts the foregoing option and agrees to the terms and conditions thereof. The undersigned hereby acknowledges receipt of a copy of the Company's 2003 Stock
Incentive Plan. 

	 	 	PARTICIPANT:
	

 	
 	

	

 	
 	

Address:	
 	

	

 	
 	

 	
 	

5

Exhibit A  

NOTICE OF STOCK OPTION EXERCISE  

Date: 

The
First Marblehead Corporation

The Prudential Tower

800 Boylston Street, 34th Floor

Boston, MA 02199-8157 

Attention:
Treasurer 

Dear
Sir or Madam: 

        I
am the holder of                        Stock Option granted to me under The First Marblehead Corporation (the "Company") 2003
Stock Incentive Plan on                        for the purchase of
                        shares of Common Stock of the Company at a purchase price of
$                        per share. 

        I
hereby exercise my option to purchase                        shares of Common Stock (the "Shares"), for which I have
enclosed                        in the amount of            . Please
register
my stock certificate as follows: 

	 	 	Name(s):	 	

	

 	
 	

 	
 	

	

 	
 	

Address:	
 	

	

 	
 	

Tax I.D. #:	
 	

Very
truly yours, 

(Signature) 

The First Marblehead Corporation

Nonstatutory Stock Option Agreement

Granted Under 2003 Stock Incentive Plan 

1.     Grant of Option.  

        This agreement evidences the grant by The First Marblehead Corporation, a Delaware corporation (the "Company"), on            ,
 200            (the "Grant
Date") to                        , an [employee], [consultant], [director] of the Company (the "Participant"), of an option to
purchase,
in whole or in part, on the terms provided herein and in the Company's 2003 Stock Incentive Plan (the "Plan"), a total
of                        shares (the "Shares") of common stock, $.01 par value per
share, of the Company ("Common Stock") at $                              per Share. Unless earlier
terminated, this option shall expire at 5:00 p.m., Eastern time, on            (the
"Final Exercise Date"). 

        It
is intended that the option evidenced by this agreement shall not be an incentive stock option as defined in Section 422 of the Internal Revenue Code of 1986, as amended, and
any regulations promulgated thereunder (the "Code"). Except as otherwise indicated by the context, the term "Participant", as used in this option, shall be deemed to include any person who acquires
the right to exercise this option validly under its terms. 

2.     Vesting Schedule.  

        This option will become exercisable ("vest") as to    % of the original number of Shares
on                                    and as to an
additional      % of
the original number of Shares at the end of each successive                    period
following                                    until   
                                 . 

        The
right of exercise shall be cumulative so that to the extent the option is not exercised in any period to the maximum extent permissible it shall continue to be exercisable, in whole
or in part, with respect to all Shares for which it is vested until the earlier of the Final Exercise Date or the termination of this option under Section 3 hereof or the Plan. 

3.     Exercise of Option.  

        (a)    Form of Exercise.    Each election to exercise this option shall be in writing, signed by the Participant, and
received by the Company at its principal office, accompanied by this agreement, and payment in full in the manner provided in the Plan. The Participant may purchase less than the number of shares
covered hereby, provided that no partial exercise of this option may be for any fractional share. 

        (b)    Continuous Relationship with the Company Required.    Except as otherwise provided in this Section 3,
this option may not be exercised unless the Participant, at the time he or she exercises this option, is, and has been at all times since the Grant Date, an employee officer or director of, or
consultant or advisor to, the Company or any other entity the employees, officers, directors, consultants, or advisors of which are eligible to receive option grants under the Plan (an "Eligible
Participant"). 

        (c)    Termination of Relationship with the Company.    If the Participant ceases to be an Eligible Participant for
any reason, then, except as provided in paragraphs (d) and (e) below, the right to exercise this option shall terminate three months after such cessation (but in no event after the Final
Exercise Date), provided that this option shall be exercisable only to the extent that the Participant was entitled to exercise this option on the date
of such cessation. Notwithstanding the foregoing, if the Participant, prior to the Final Exercise Date, violates the non-competition or confidentiality provisions of any employment
contract, confidentiality and nondisclosure agreement or other agreement between the Participant and the Company, the right to exercise this option shall terminate immediately upon such violation. 

 

        (d)    Exercise Period Upon Death or Disability.    If the Participant dies or becomes disabled (within the meaning of
Section 22(e)(3) of the Code) prior to the Final Exercise Date while he or she is an Eligible Participant and the Company has not terminated such relationship for "cause" as specified in
paragraph (e) below, this option shall be exercisable, within the period of one year following the date of death or disability of the Participant, by the Participant (or in the case of death by
an authorized transferee), provided that this option shall be exercisable only to the extent that this option was exercisable by the Participant on the
date of his or her death or disability, and further provided that this option shall not be exercisable after the Final Exercise Date. 

        (e)    Discharge for Cause.    If the Participant, prior to the Final Exercise Date, is discharged by the Company for
"cause" (as defined below), the right to exercise this option shall terminate immediately upon the effective date of such discharge. "Cause" shall mean willful misconduct by the Participant or willful
failure by the Participant to perform his or her responsibilities to the Company (including, without limitation, breach by the Participant of any provision of any employment, consulting, advisory,
nondisclosure, non-competition or other similar agreement between the Participant and the Company), as determined by the Company, which determination shall be conclusive. The Participant
shall be considered to have been discharged for "Cause" if the Company determines, within 30 days after the Participant's resignation, that discharge for cause was warranted. 

4.     Withholding.  

        No Shares will be issued pursuant to the exercise of this option unless and until the Participant pays to the Company, or makes provision satisfactory to the
Company for payment of, any federal, state or local withholding taxes required by law to be withheld in respect of this option. 

5.     Nontransferability of Option.  

        This option may not be sold, assigned, transferred, pledged or otherwise encumbered by the Participant, either voluntarily or by operation of law, except by will
or the laws of descent and distribution, and, during the lifetime of the Participant, this option shall be exercisable only by the Participant. 

6.     Provisions of the Plan.  

        This option is subject to the provisions of the Plan, a copy of which is furnished to the Participant with this option. 

        IN
WITNESS WHEREOF, the Company has caused this option to be executed under its corporate seal by its duly authorized officer. This option shall take effect as a sealed instrument. 

	 	 	The First Marblehead Corporation
	

Dated:            	
 	

By:	

 Name:          

Title:            

2

 
PARTICIPANT'S
ACCEPTANCE 

        The
undersigned hereby accepts the foregoing option and agrees to the terms and conditions thereof. The undersigned hereby acknowledges receipt of a copy of the Company's 2003 Stock
Incentive Plan. Exhibit A 

	 	 	PARTICIPANT:
	

 	
 	

	

 	
 	

Address:	
 	

	

 	
 	

 	
 	

3

Exhibit A  

NOTICE OF STOCK OPTION EXERCISE  

Date: 

The
First Marblehead Corporation

The Prudential Tower

800 Boylston Street, 34th Floor

Boston, MA 02199-8157 

        Attention:
Treasurer 

        Dear
Sir or Madam: 

        I
am the holder of                        Stock Option granted to me under The First Marblehead Corporation (the "Company") 2003
Stock Incentive Plan on                        for the purchase of
                        shares of Common Stock of the Company at a purchase price of
$                        per share. 

        I
hereby exercise my option to purchase                        shares of Common Stock (the "Shares"), for which I have
enclosed                        in the amount of            . Please
register
my stock certificate as follows: 

	 	 	Name(s):	 	

	

 	
 	

 	
 	

	

 	
 	

Address:	
 	

	

 	
 	

Tax I.D. #:	
 	

Very
truly yours, 

(Signature) 

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Exhibit 10.34

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