Document:

EXHIBIT  4.1

                     INTERNATIONAL FOREX FINANCE GROUP, LTD.
                        16350 Park Ten Place Suite 100-25
                                Houston, TX 77084

                      MASTER AGREEMENT TO PROVIDE FINANCING
                             AND CUSTODIAL SERVICES

This  Master  Agreement  (hereinafter "Agreement") is entered into  on this 24th
day  of February, 2002 between International Forex Finance Group, Ltd.,  located
in  Hamilton,  Bermuda  with  offices  in  Houston,  Texas  ("IFF")  and Upgrade
International  Corporation ("Upgrade"), located at, 1411 Fourth Ave., Suite 629;
Seattle,  Washington  98101  ("Client").  This Agreement is entered into between
the  parties  for  the purpose of engaging IFF to provide, syndicate, or arrange
one  or  more  financings or fundings and, to provide custodial or sub-custodial
services,  with  respect  to  certain  assets ("Securities") or other collateral
which  is  to  be pledged or hypothecated, in favor of IFF, the details of which
and itemizations are to be set out in one or more term sheets attached hereto as
Schedule  "A",  "B",  "C",  etc.,  (as  needed).

1.   SERVICES  TO  BE  PROVIDED  BY  IFF:  IFF is hereby appointed as Custodian,
     Conservator,  or Executing Manager of and for the Collateral and as such is
     authorized  to  act  on  behalf  of  the  Client with respect to all or any
     portion  of  the  Collateral  for  the  purpose  of:

     a)   Providing  or  arranging  financing  for  the benefit of the Client as
          derived  from  one  or  more  fundings  (the  "Funding") or loans (the
          "Loan(s)")  to be entered into in accordance with terms agreed upon by
          those  parties  as such are set out in the term sheets attached hereto
          by  Schedule.

     b)   Holding  cash, securities, or other collateral assets (the "Collateral
          Assets")  on behalf of the Client in whatever form and fashion that is
          acceptable  to  IFF  and  the  Investor  pursuant to the nature of the
          transaction  and  the  form  of  collateral  presented  by the Client.

     c)   Allocation  of  voting  shares,  coupon income, dividends received, or
          interest  remitted  on  Securities  held  as  collateral.

AMOUNT  & TERMS OF FINANCING:  The terms of each funding are herein contained in
the attached Schedules.  The exact amounts received by the Client are predicated
upon  a  loan-to-value  consideration,  a fair market value,  an exchange traded
value,  or an Over the Counter value as negotiated by IFF pursuant to market due
diligence.  The net proceeds from the funding, if any, may be distributed at one
time  or  on  sequential  dates,  as  instructed  by  the  Issuing Paying Agent.

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2.   FUNDING  OF  TRANSACTION  (S):  The contemplated transaction will be funded
     according to the terms identified in one or more term sheets, which will be
     labeled as Schedule A, B, C, etc., individually numbered and signed by both
     parties,  and,  on  upon proper execution, will be considered a part of and
     will  be  merged  into  this Master Agreement as if set forth herein to the
     exact  detail as is represented therein without exception or reservation of
     any  sort or kind. Client understands and acknowledges that by transferring
     securities as collateral to IFF under the terms of this Agreement, that the
     Client  gives  IFF  and/or  its assignees the right, without requirement of
     notice  to or consent of the Client, to assign, transfer, pledge, repledge,
     hypothecate,  rehypothecate,  lend,  encumber,  short  sell, sell outright,
     swap,  trade,  or  consign  some or all of the Collateral during the period
     covered  by  the  funding.  The  Client  understands  that  IFF  and/or its
     assignees  have  the right to receive and to retain or allocate some or all
     of  the  benefits  from  any  such transactions, and that the Client is not
     entitled  to  certain of these benefits during the term of the funding. The
     Client  agrees  to assist the relevant entities in completing all requisite
     documents  that may be necessary to accomplish such transfers, conveyances,
     or  registrations.

3.   RETURN  OF  COLLATERAL:  IFF  agrees to return, at the end of the term, the
     same number of shares, the equivalent volume of tangible collateral, or the
     same tenor of fixed income Securities as it received initially, as depicted
     herein  above,  and upon retiring or setting off the obligation(s) incurred
     in their entirety, then at such time and as soon as is practical they shall
     return  the  collateral  to  the Client, save and except in any instance of
     superior  rights,  warrants,  options  or  splits,  dividends,  or  coupon
     collected  against  interest  due or applied as one or more set offs, after
     reconciling  any and all net effects realized upon the Collateral which has
     or  may  result  from  any  merger, acquisition, bond call, refunding bond,
     stock  repurchase,  exchange  offer,  conversion  right,  redemption right,
     upstream  processing,  refining,  enrichment,  or  voting right exercise or
     non-exercise privilege for which any and all such rights as may exist shall
     go  hand  and  hand  with  the  collateral  and  shall survive any closing.

4.   REGISTRATION  AND  SUBCUSTODIANS: IFF may deposit or transfer any or all of
     the  collateral,  Clients  Assets,  or  Securities  i) with any domestic or
     foreign  depository  institution,  safekeeping  repository, or SRO clearing
     corporation  or  electronic  safekeeping  system  operator  that  provides
     handling,  clearing,  settlement, or safekeeping services provided that the
     collateral  is  deposited  in  insured  accounts;  ii) with the issuer of a
     security  if  such  security  is  in  non-certificate  form;  iii) with any
     domestic  or  foreign  depository  or  repository  institution  acting as a
     sub-custodian  provided the Collateral is held in insured accounts; and IFF
     will  pay  the  fees  and  expenses related to such safekeeping, custodial,
     settling,  and  clearing  services.

5.   CLIENT REPRESENTATIONS AND WARRANTIES: Client agrees to provide any and all
     information  deemed  necessary  in  order  to  consummate  the contemplated
     transactions  or series of transactions in a timely, complete, and accurate
     manner  and  such  obligations  have been irrevocably expressly agreed upon

<PAGE>
     between the parties herewith. Client further represents and warrants to IFF
     and  its  assignees, if any, that the Collateral submitted herewith is duly
     owned  and  titled  in the name of the Client(s), or is owned and titled in
     fee  simple,  that such Collateral is freely transferable, and that any and
     all  liens,  claims,  or encumbrances that may now or has heretofore arisen
     against  the Collateral have been previously discharged, removed, released,
     or  waived  and  notice  of  such  has  been disclosed to IFF under express
     writing,  without exception or reservation of any sort or kind and that any
     and  all  such  notices  were  presented  and  provided  to  IFF  prior  to
     consummating  any  proposed funding transaction(s). Client further warrants
     to  forever defend fee simple title to certain Collateral against any third
     party claiming or asserting a superior claim of ownership. Client expressly
     warrants that any and all financing statements, pledge agreements, security
     agreements,  assays, deeds, certificates of title, and associated financing
     documents presented or provided in connection with this application and its
     separate  parts  or  attachments including any other financial applications
     submitted  as  a  result  of  this  application  are and do not contain any
     material misrepresentations of facts or fail to state a material fact which
     in light of the manner in which such documents are delivered by the Client,
     would  when relied upon subsequently be found to be misleading, immaterial,
     or  omissive. The Client warrants that any and all representations given or
     offered  are  true and accurate statements of fact, and that the client has
     not  omitted  stating  a  material  fact  or  failed to present as fact any
     material  statement  or  failed  to  provide evidence that in light of such
     prior  facts  or  evidence  presented  by  them  are no longer true and not
     misleading  or untrue. Client warrants that title to any and all Securities
     presented  herein  and  herewith are held free and clear and hereby warrant
     and  declare that they are the true and rightful owner of such, or have and
     will legally procure title to such Collateral free and clear of any and all
     ICC  or  UCC  filings,  save  and  except as has been represented to IFF by
     express  writing  but in any and all instances prior to any funding. Client
     warrants  that  any and all loan proceeds if any, received by them will not
     be  used  to  purchase margin stock pursuant to Regulation U of the Federal
     Reserve  Board  of  Governors  of  the  United  States.

6.   INDEMNITY:  IFF  makes  no  warranties regarding their ability to find, and
     enter  into  transactions  with a US cash funder, investor, or counterparty
     for  every  security or collateral presented by the Client. Final terms for
     each  traunche  of securities or collateral presented to IFF may be subject
     to  a  separate  pledge  agreement,  a  separate  security  agreement,  a
     remarketing  agreement,  a hypothecation, or forward delivery agreement and
     as  such funds derived therefrom may be tendered or remitted upon demand by
     IFF  pursuant  to  separate  terms  of  this  Agreement.

7.   MARK  TO MARKET: IFF makes no warranties regarding their ability to mark to
     market  certain  Collateral  presented by the Client or Collateral proposed
     for  substitution for other Collateral, which has previously been delivered
     by  the  Client  to  IFF.  As such IFF represents that there are times when
     certain  markets  are  illiquid  or  instances where there are no regional,
     global,  or  domestic  exchanges,  which  post a nominal "fixing" price for
     specific,  Collateral  posted  by  the  Client. As such and during any such

<PAGE>
     instances  of  government  intervention i.e. "suspended market trading" IFF
     can  and  will  rely upon its own independent information which it in "good
     faith"  believes to be accurate with regard to the fluctuation in the daily
     fair  market  value  of the Collateral. Client will in certain instances be
     required  to post additional Collateral or enter into arrangements with IFF
     to  hedge  such  exposures.

8.   LAW  TO APPLY: This Agreement shall be construed by and subject to the most
     recent  edition regarding the laws establishing the Uniform Commercial Code
     and  the International Commercial Code as implemented by the United Nations
     for  conducting  domestic  or  foreign  financial  enterprises.

9.   PARTIES  BOUND:  This  Agreement  shall  be  binding  upon and inure to the
     benefit  of  the  parties  hereto  and to their respective heirs, executors
     administrators, legal representatives, successors, and or assigns except as
     otherwise  expressly  provided  herein.

10.  TIME  IS  OF THE ESSENCE: Time is of the essence in all material matters to
     this  Agreement.

11.  FURTHER  ACTS:  In  addition  to  the acts contemplated herein, the parties
     hereto  agree to perform or cause to be performed, any and all such further
     acts  including  but  not  limited  to;  a) entering into currency exchange
     transactions if cross border Collateral or US dollar transactions are to be
     settled  in  the  host  currency, engaging in one or more credit derivative
     transactions  with  banks,  broker dealers or national exchange members, to
     include  entering  into  hedging transactions for the underlying Collateral
     with  investment  grade rated and non-investment grade rated counterparties
     either as exchange traded or as Over The Counter contracts as may be deemed
     reasonably  necessary in the sole opinion of IFF in order to consummate the
     funding  transactions  and  mitigate  the  cross  border  risks,  if  any,
     contemplated  hereby.

12.  RECONCILIATION  OF  DISPUTES:  The  parties  to  this  Agreement  and their
     respective  employees,  officers,  principals,  directors,  attorneys,  and
     agents  hereby  agree  to  submit  to arbitration any claims, disputes, and
     controversies,  between  them  relating  to  this  agreement. It is further
     agreed  that  such arbitration shall proceed by electronic means or face to
     face  in  accordance  with United Nations INCO terms. Each party shall bear
     its  own  costs and expenses and an equal share of the fees of arbitration.
     The  prevailing party in such arbitration if any, shall not incur any other
     costs  of  appeal. If both parties deadlock or a decision is not reconciled
     within  90  days  from  the  start  of  arbitration  the arbitration may be
     terminated and the matter adjudicated in a court of competent jurisdiction.

13.  GENERAL:  This  Agreement  constitutes  the  sole  agreement of the parties
     hereto  and supersedes any and all prior understandings between the parties
     whether  written  or  oral respecting the subject matter of this Agreement.
     This  Agreement  may  be  amended  in  whole  or in part by a memorandum of
     understanding between the original parties to this Agreement provided, that
     such amendment or modification is reduced to a formal writing and that such

<PAGE>
     memorandum  is  signed and exchanged between the undersigned within 30 days
     of  the  original  presentment.  This Agreement may be terminated by either
     party  at any time prior to a funding, in whole or in part and cash settled
     or set off against any other credit previously extended between the parties
     to  cover  any other obligations arising between the parties. Signed copies
     of  this  Agreement  and  other  related  documents  may  be transmitted by
     facsimile  or  electronic  mail  and,  upon  receipt,  shall  be treated as
     originals  and  shall be construed as legally binding upon the parties upon
     their  formal  acknowledgement  in  writing  of  same. The parties have not
     relied upon any other representations, warranties, collateral agreements or
     conditions,  which affect this Agreement other than as expressed herein and
     in  the  attached  schedules  hereto.

14.  NOTICES;  Any  notice required to be given or delivered hereunder by either
     party  to their counterparty may be effected verbally or in writing and, if
     verbal, shall be confirmed in writing within twenty-four hours by facsimile
     or  by  overnight mail. The Client's official address and telephone numbers
     for  notifications  regarding  this Agreement and related transactions are:

Upgrade International Corporation
Daniel S. Bland, Chief Executive Officer
& Howard A. Jaffe, Chief Operating Officer
1411 Fourth Ave., Suite 629
Seattle, Washington 98101
(206)  903-3116
dbland@upgd.com
hjaffe@upgd.com

International Forex Finance Group, Ltd.
16350 Park Ten Place
Suite 100-25
Houston, TX 77084
(281)  561-6589
(281)  631-6135  Fax
forex@pdq.net

CANTRUST
C/o Mr. Bruce Youb
3352 11215 Jasper Ave
Edmonton Alberta Canada
T5K  0L5

__________________________________

<PAGE>
For: International Forex Finance Group, Ltd.
     Houston,  Texas

_______________________________
Name Mark  Alexander
For: International  Forex
     Finance  Group,  Ltd.
     Houston,  Texas

For: Upgrade  International  Corporation
     Seattle,  WA  98101

      /s/ Daniel S. Bland
      ----------------------------------------
Name: Daniel S. Bland, Chief Executive Officer

      /s/ Howard A. Jaffe
      ----------------------------------------
Name: Howard A. Jaffe, Chief Operating Officer

Date: February  24,  2002

<PAGE>
                                  SCHEDULE "A"

This Schedule A (Loan number: UPGD711), dated 01/23/02 is executed in connection
with  that  certain Master Agreement to provide Financing and Custodial Services
entered  into between Mark Alexander of International Forex Finance Group, Ltd.,
("IFF")  and Daniel Bland of Upgrade International, Corp., on or about 01/23/02.

1.  Collateral:                  Schedule  "B"  (attached).

2.  Estimated  Value:            Schedule  "B"  (attached).

3.  Anticipated  Loan  Funding:  20%  of  market  value  at  closing 144A.

4.  Interest  Rate:              11% compounded annually, payable quarterly
                                 accruing  until due at maturity. Interest
                                 only payment capitalized with interest
                                 for  first  12  quarters.

5.  Cash  vs.  Accrual:          Dividends  applied  against  interest  due,
                                 balance  if any  until  maturity  date.

6.  Term:                        7 years. Starting from date proceeds delivered.

7.  Amortization:                None,  Principal  and  interest  due  as  per
                                 schedules

8.  Prepayment  Penalty:         3  year  lockout.

9.  Margin:                      Funding  strategy;  imbedded  bond
                                 swap; 6  month rolling  costless  collar
                                 or straddle  European  style; Index
                                 Options or  straddle  with  put  option;
                                 Marked to  future  market.  ISDA  master
                                 agreement.  Cash  out fees  and
                                 commissions.

10.  Non-Callable:               Lender(s)  may  not  call  loan  prior  to
                                 maturity.

11.  Recourse:                   Limited  recourse  to  Borrower, interest
                                 only payment  obligation  upon  syndicate
                                 approval; 144A securities  may  be
                                 substituted  and  released  back  to
                                 Borrower  after  18  months  if  no  late
                                 pays.  Borrower retains  right  to
                                 substitute  at  any  time  or  from  time
                                 to  time  during  term  of  loan.  Rights
                                 on  Default specified  on  Schedule  "D"
                                 attached.

12.  Extension:                  Renew  at  Borrower's request for an
                                 additional term, prior  to  the
                                 maturity  date,  within  existing
                                 parameters.  Renewal  fee  and
                                 commitment  fee  to IFF,  split
                                 origination  fee  by  Issuing  Paying
                                 Agent (CANTRUST).

<PAGE>
13.  Closing:                    After  receipt  of  custody  deposit  and
                                 upon placement of  loan  syndicate  with
                                 hedging.  Termination  fee payable  only
                                 upon  premature  withdrawal.

14.  Equity  Placement           Upgrade  agrees  to the placement of
                                 5,000,000 of Upgrade  Stock as designated
                                 by IFF. The Shares to be subscribed to at
                                 market or above,  in  accordance  to  the
                                 terms contained in term sheets attached
                                 to this schedule  identified  as
                                 schedule  A,  B,  C  etc

For: International  Forex
     Finance  Group,  Ltd.
     Houston,  Texas

By:
   -----------------------------
Name:
     ---------------------------
Date:
     ---------------------------

For:  Upgrade  International  Corporation
Seattle,  Washington   98101

      /s/ Daniel S. Bland
      ----------------------------------------
Name: Daniel S. Bland, Chief Executive Officer

      /s/ Howard A. Jaffe
      ----------------------------------------
Name: Howard A. Jaffe, Chief Operating Officer

Date: February 24, 2002

<PAGE>
                                  SCHEDULE "B"
                             COLLATERAL DESCRIPTION

This  Schedule  B  (Loan  number  UPGD711),  dated  02/24/02  is  executed  in
connection with that certain Master Agreement to provide Financing and Custodial
Services  entered  into  between  Mark  Alexander of International Forex Finance
Group, Ltd., ("IFF") and Daniel Bland of Upgrade International, Corp on or about
02/24/02, including Schedule A, Collateral Description and Schedule; Schedule C,
ACH  Agreement  D,  Default  and  Restrictions.

Collateral:     Issued  under  rule  144A,  3  Year  Restricted  securities.
                40,000,000  Shares  Upgrade  International  Common  Stock
                Estimated  market value 2 years subject to pricing; terms and
                Restrictions on  Schedule  D
                Free Trading  shares: REG D (506) Private Placement 5,000,000.

144A  CUSIP:     915301 40 2

144A  ISIN:  US9153014025

COMMON  CUSIP

COMMON  ISIN:

NOMINEE/BROKER/OTHER:       Bear Stearns; Pershing DLJ; Chase Jardine Fleming

CUSTODIAN/SUBCUSTODIAN:     INTERNATIONAL FOREX FINANCE GROUP, LTD.

TO IFF ACCOUNT NO:

DTC:          EUROCLEAR/CLEARSTREAM:  CEDEL:          INDEVAL:

SHARES  FORWARDED  TO  SUBCUSTODIAN:  00057941

NOTE:  TO  SATISFY  AND  RETIRE  IRREVOCABLE  INSTRUCTIONS.

CURRENCY:                      US DOLLAR
FUNDS  FROM  IFF  TO:          Boston  Safe  Deposit  &  Trust
ACCOUNT  #:                    LOMF0001002
BIC:
ROUTING  NUMBER:
ABA  NUMBER:
INSTRUCTIONS:

<PAGE>
Upon  receipt  of the special collateral with associated existing debt of $(n/a)
if any, you are directed to transfer from separate  Accounts #_(attached)_  into
International  Forex  Finance  Group,  Ltd.'s,  DTC Account # 00057941 the above
share  certificates.  You  are  further instructed to issue an acknowledgment to
IPA:  CANTRUST  upon  transfer  of the indicated amount of shares or funds minus
existing  debt  if  any,  or  IFF will return the indicated amount of collateral
in-total  and  the  debt  associated  if  any,  to  the  denominated  Accounts #
__(attached)__.  IFF  will issue an advise  not later than the 14th Business Day
after  the receipt of  substitute shares as to  which of the two alternatives to
exercise;  You  are  also  authorized  to  inform  Mr.  Daniel Bland  of Upgrade
International,  Corp.,  that  you  have  received  this  instruction.

Sincerely,

G. S. Brar
Director Operations

Sworn to before me this __________ day of __________________ 2002:

SEAL

<PAGE>
                                  SCHEDULE "C"
                                 IPA  AGREEMENT

                   ACH AGREEMENT - EXECUTED BETWEEN COMPANIES

This Agreement, dated as of February 24, 2002, is between Upgrade International
Corporation ("Originator") and Cantrust and/or Master Agent Bruce Youb
("Recipient"), as Issuing Paying Agent for International Forex Finance Group
LTD. ("IFF") pursuant to that certain Master Custodial Agreement and obligations
relating thereto.

RECITALS

A.  Recipient wishes to have Originator initiate Credit Entries to its account
specified below (the "Account") in payment of obligations as scheduled in the
Master Custodial Agreement owed by Originator to Recipient pursuant to the terms
of this Agreement and the ACH Rules relating to Corporate Trade Payment Entries
(the "Rules") and the Master Custodial Agreement to Provide Financing and
Custodial Services dated February 24, 2002 (the "Financing Agreement") and
Originator is willing to initiate such Entries on the terms set forth below.

B.  Unless otherwise defined herein, capitalized terms shall have the meanings
provided in the Rules.

AGREEMENT

NOW,  THEREFORE,  in  consideration  of  the  mutual  promises contained herein,
Originator  and  Recipient  agree  as  follows:

1.  Authorization. Subject to the terms set forth below, Recipient authorizes
Originator to initiate Credit Entries to the Account in accordance with the
Rules for obligations owing from time to time by Originator to Recipient
resulting from loan obligations and payments of interest and/or principal
relating thereto as scheduled in the Master Custodial Agreement.

2. Authorization Limitations; Procedures. No Entry shall be initiated under this
Agreement except in conformity with the authorization provided above. In
accordance with the attached Master Custodial Agreement to Provide Financing and
Custodial Services, including all schedules thereto relating to loan terms and
conditions. Pursuant to these Agreements, a quarterly Entry shall be initiated
in an amount equal to the aggregate payment under the Agreement, which will be
further evidenced by way of a schedule incorporated by reference described as
the schedule(s). No single Entry initiated under this Agreement shall be in
excess of the amount due under the agreements (Schedule attached).

<PAGE>
3.  Originators Failure to Originate. With the exception of the interest
capitalization period, this event would be considered a default under the terms
of the Master Custodial Agreement and all Collateral would be deemed payment for
all outstanding obligations. Recipient shall not be deemed to default on any
obligation or suffer any loss of discount or other penalty by reason of the
failure of Originator to initiate any Debit Entry in accordance with the terms
of this Agreement, or by reason of any delay in receipt by Recipient's financial
institution, or the nonreceipt by such institution of any Debit Entry initiated
by Originator.

4.  Compliance with Rules. Recipient shall comply with and be bound by the Rules
as in effect from time to time.

5. Acceptance and Return of Entries. Nothing contained herein shall be deemed to
require Recipient or its financial institution to accept any Entry initiated
under this Agreement, and any such Entry may be returned in accordance with the
Rules. Recipient shall not be deemed to have accepted any Entry that is returned
in accordance with the Rules. Originator shall not be deemed in default on any
obligation or suffer any loss of discount or other penalty by reason of the
return of any Entry, provided such Entry was initiated in accordance with the
terms of this Agreement. Notwithstanding any statement contained in any Entry or
any data transmitted with any Entry, and notwithstanding the failure to return
any Entry in accordance with the Rules, Recipient shall not be deemed to have
accepted any Entry as being in the correct amount if, within 3 days after
receipt of the Entry by its financial institution, Recipient provides written
notice to Originator of a discrepancy.

6.  Credit for Entries. Unless such Entry is returned in accordance with the
Rules, Recipient shall, as of the date the amount of such Entry is credited to
the Account, credit Originator with the Amount of each Entry received and
interest or other charges payable with respect to the amount of such Entry shall
cease of the time. Unless such Entry is returned in accordance with the Rules,
Originator shall, as of the date of such Entry is credit to its Account with its
financial institution, credit Recipient with the amount of each Entry received.

7.  Entry Information. Each Entry initiated under this Agreement shall be
accompanied by the following information: a letter detailing the payment being
made and the allocation toward principal and interest then outstanding pursuant
to the Financing Agreement.

<PAGE>
8.  Recipient's Account. The Account is the following deposit Account maintained
by Recipient:

Financial Institution:  US  BANK

Account Number:

Bank  of Location:      Blaine, Washington

Telephone No.:          360-332-5811

If  Recipient  is  a natural person, Recipient represents to Originator that the
Account is, and during the term of this Agreement, will be, maintained primarily
for  business,  and  not  for  personal,  family,  or  household  purposes.

9.  Questions and Errors. In the event of any questions or error relating to
Entries initiated pursuant to this Agreement, Recipient should contact Mr.
Howard A. Jaffe, Upgrade International Corporation, and Originator should
contact Bruce Youb, Cantrust.

10.  The Financial Institution's security procedures shall include the
determination of certain exposure limits which includes, but may not be limited
to (1) the value of ACH files, (2) the value or number of individual ACH
entries, (3) the frequency of origination of ACH files and (4) the consideration
of exposure over multiple settlement dates. The Company shall comply with
exposure limits established by the Financial Institution in accordance with the
attached Schedule. The Financial Institution is responsible to notify the
Company of exceptions and to periodically review such established exposure
limits.

11.  The Company shall notify the Recipient of any reversing entry initiated to
the Recipient's account to correct an entry it has initiated in error. The
notification to the Recipient must include the reason for the reversing entry
and must be made no later than settlement date of the reversing entry.

12.  It shall be the responsibility of the Company that the origination of ACH
transactions complies with U.S. law. This includes, but is not limited to the
sanctions enforced by the Office of Foreign Assets Control (OFAC).

13. Liabilities of Parties. Neither Originator nor Recipient shall be liable for
the act or omission of any Automated Clearing House, financial institution, or
other person.

<PAGE>
14.  Notice. Any written notice or other written communication required or
permitted to be given under this Agreement shall be delivered, or sent by U.S.
registered mail, postage prepaid, and, if to Originator, addressed to:

Upgrade International Corporation
Attn: Howard A. Jaffe
1411 Fourth Ave Suite 629
Seattle USA 98101

and, if to Recipient, addressed to:

Cantrust
C/o Suite 3352 11215 Jasper Ave
Edmonton, Alberta
T5K  0L5
Canada

Unless  another  address  is substituted by notice delivered or sent as provided
herein.  Any  such  notice  shall  be  deemed given when so delivered or sent by
registered  mail.

15.  Termination.  This  Agreement  may  not  be  terminated by Originator or
Recipient  at  any  time  so  long  as  there is a principal or interest balance
outstanding  under  the  Financing  Agreements  between  Upgrade  International
Corporation  and  International  Forex  Finance  Group,  Ltd  et  al.

16.  Notice of Accounts. Originator will notify in writing Recipient within 5
days when or if Originator has opened another checking or operating account with
a  financial  institution  and  will  promptly  provide  Recipient  sufficient
information such that Recipient would be able to effect an Entry similar to that
described  in  this  agreement,  should,  for  any  reason, such an Entry not be
possible  on  the  account  set  forth  above.

17.  Disclosure  of  accounts.  IFF  or  Cantrust  can  request in writing or
facsimile  form any and all banking information to maintain an active monitoring
of  the  Originator.  Originator  will  respond  within  7  business  Days.

18.  Failure  to  disclose accounts. This event would be considered a default
under  the  terms of the Master Custodial Agreement  and all collateral would be
deemed  payment  for  all  outstanding obligations.  This document will serve as
written  permission  to  any  banks/institutions  to disclose all activities and
transaction  details.

<PAGE>
19.  Minimum  Account  Balance.  For  as  long as funds are advanced from IFF
during  the  interest  capitalization  period,  Originator  will  maintain  one
quarterly  payment  on  the  account  #  at  US  Bank

20.  Failure  to  maintain Minimum Account Balance. With the exception of the
interest  capitalization  period,  this  event  would  be  considered a material
default  under  the  terms of the Master Custodial Agreement  and all Collateral
would  be  deemed  payment  for  all  outstanding  obligations.

21.  Filing.  The  originator will cause all required filings to be completed
and  recorded  as  if  time  were  of  the  essence.

22.  This document will serve as written permission to any banks/institutions
to  disclose  all  activities  and  transaction  details  to International Forex
Finance  Group,  Ltd.  or  Cantrust.

The  above representing the agreement of the parties and the parties agreeing to
be  legally  bound.

For:  Cantrust
      Edmonton,  Alberta
      Canada

By:
   -----------------------------
Name:
     ---------------------------
Date:
     ---------------------------

For:  Upgrade International Corporation
      Seattle, WA  98101

By:   /s/ Daniel S. Bland                  By:   /s/ Howard A. Jaffe
      --------------------                       ------------------------
Name: Daniel S. Bland, CEO                 Name: Howard A. Jaffe, COO

<PAGE>
                                  SCHEDULE "D"
                       ISSUANCE, DEFAULT AND RESTRICTIONS

THIS  SCHEDULE  D (LOAN NUMBER: UPGD711), DATED FEBRUARY 24, 2002 IS EXECUTED in
connection with that certain Master Agreement to provide Financing and Custodial
Services  (the  "Master  Agreement")  entered  into  between  Mark  Alexander of
International  Forex  Finance  Group,  Ltd., ("IFF") and Daniel Bland of Upgrade
International, Corp on or about 5/8/01, the Schedule "A", Collateral Description
                                            ------------
with  Terms,  dated  February  24,  2002,  and  the  Schedule  "B",  Collateral
                                                     -------------
Description,  dated  February  24,  2002.

1.   RIGHTS  AND  PREFERENCES: As long as no occurrence of default, as described
     in  this  schedule  "D"  has  occurred, any registered holder of the shares
     issued  under  this  agreement,  shall immediately and without reservation,
     upon  effective  receipt  of  any  proxy  materials,  but no later than two
     business  days prior to any meeting of shareholders requiring a vote, grant
     a voting proxy to Upgrade International's Chief Executive Officer and Chief
     Operating  Officer  who together will vote the shares represented by proxy,
     present  for  any  meeting,  and  vote shares -- any proportion in the same
     proportion  as the total voting shares received from all other shareholders
     bears  to  the  aggregate  of  all  shares  outstanding.

2.   ISSUANCE  AND  RESTRICTIONS:  Borrower  shall  comply  with  the  Company's
     Articles  of  Amendment  with the Secretary of State of Washington to issue
     40,000,000 common shares under Rule 144a, and 5,000,000 shares issued under
     REG  D  (506) Private placement to be held as Collateral in order to secure
     Borrower's  financial  performance  under  Loan  number  UPGD711.

     Custodial  Agent  acknowledges  that  the  40,000,000  shares of Restricted
     Common  Stock issued under rule 144a are US restricted securities, and that
     the  share  certificates  will  be  imprinted with a legend indicating that
     their  transfer  is  restricted  under applicable securities laws. Borrower
     understands  and  acknowledges  that  Custodial  Agent  intends  to assign,
     transfer,  pledge,  repledge,  hypothecate,  rehypothecate, lend, encumber,
     short sell, sell outright, swap, trade or consign some or all of the shares
     in  transactions  with Qualified Institutional Buyers or that qualify under
     the  safe  harbor provided by Rule 144A under the Securities Act. Registrar
     agrees  to record such transfers of interest as may be made pursuant to the
     exemption  provided by Rule 144A, without requirement of Borrower's advance
     notice  or  consent;  provided  that the documentation accompanying certain
     transfers  may  include  an  opinion  of  counsel  reasonably acceptable to
     Financial  Intermediary  (both  as  to  the  identity  of  counsel  and the
     substance  of  the  opinion) that any distributions qualify for the holding
     periods  required  under  Rule  144A  of  the  1933  Securities  Act.

<PAGE>
     Custodial  Agent  agrees  that  all  transfers  of  shares shall be made in
     compliance with applicable laws, including the 1933 Securities Act, and the
     terms  of  the  Financing  Agreements  to  be  construed  en para material.
     Custodial  Agent  understands  and acknowledges that the share certificates
     representing  the  40,000,000  shares  of  stock  will  be imprinted with a
     restrictive  legend.

3.   CREDIT AGREEMENT: Borrower and IFF, s, shall enter into that certain CREDIT
     AGREEMENT  (the "Credit Agreement"), of even date herewith, among Borrower,
     the  Debt  Securities  Holders  party thereto, Syndicate Participants, Note
     Holders,  Bond  Holders,  and  Debt  Holders  the  LENDERS  party  thereto,
     International Forex Finance Group, Ltd., as "Custodial Agent", CANTRUST, as
     "Securities  Intermediary"  or  "Issuing  Paying Agent", with International
     Forex  Finance  Group,  Ltd.,  as  "Administrative  Agent"  or  "Financial
     Intermediary".  The  Credit Agreement (which defined term shall include all
     agreements  entered  into in connection therewith) shall in all respects be
     subordinate  to the Master Agreement, and the Credit Agreement's provisions
     shall  not  become  operative  until  (a) such time as a Default shall have
     occurred  under  this Schedule D, and ---------- (b) during the continuance
     of  such  Default,  the  Administrative Agent (as defined thereunder) shall
     have  notified  Borrower  in  writing  that  the  provisions  of the Credit
     Agreement  shall  become  operative, and (c) that a Material Adverse Credit
     Event  has,  will,  or  may  occur  in  the  opinion  of  the  IPA.

4.   MONETARY  EVENT  OF  DEFAULT:  Any  of  the  following  credit events shall
     constitute  a  "MONETARY  EVENT OF DEFAULT": (a) Borrower shall fail to pay
     any  principal  or  interest  when due and payable, whether at the due date
     thereof  or  at  a  date  fixed  for prepayment thereof; (b) an involuntary
     proceeding  shall  be  commenced  or an involuntary petition shall be filed
     seeking  (i)  liquidation, reorganization or other relief in respect of the
     Parent,  the  Borrower,  a  Co-Borrower or any pledgor of Collateral or its
     debts,  or  of  a substantial part of its assets, under any federal, state,
     regional or foreign bankruptcy, insolvency, receivership or similar law now
     or  hereafter  in  effect  or  (ii) the appointment of a receiver, trustee,
     custodian,  sequestrator,  conservator  or similar official for the Parent,
     the  Borrower or any pledgor of Collateral or for a substantial part of its
     assets;  and,  in  any  such  case  under  either  clause (i) or (ii), such
     proceeding  or petition shall continue undismissed for 120 days or an order
     or  decree  approving or ordering any of the foregoing shall be entered; or
     (c)  the  Parent,  the Borrower, a Co-Borrower or any pledgor of Collateral
     shall  (i) voluntarily commence any proceeding or file any petition seeking
     liquidation,  reorganization  or  other  relief under any Federal, state or
     foreign  bankruptcy,  insolvency,  receivership  or  similar  law  now  or
     hereafter in effect, (ii) consent to the institution of, or fail to contest
     in a timely and appropriate manner, any proceeding or petition described in
     clause  (b)  of this Article, (iii) apply for or consent to the appointment
     of  a  receiver,  trustee,  custodian, sequestrator, conservator or similar
     official  for  the  Parent,  the  Borrower, a Co-Borrower or any pledgor of
     Collateral  or  for  a  substantial part of its assets, (iv) file an answer

<PAGE>
     admitting  the  material  allegations of a petition filed against it in any
     such proceeding, (v) make a general assignment for the benefit of creditors
     or  (vi) take any action for the purpose of effecting any of the foregoing.

4a.  SOFT  DEFAULT:  A soft default is; (a) whenever the amount funded under the
     Loan  Agreement  exceeds  20% of the market value (based upon daily closing
     price)  of  the  price of the Series "A" common stock of the Corporation or
     the  price  of the restricted stock issued under this agreement, such event
     shall constitute a soft default . (b) whenever the Borrower fails to adhere
     to  the  provisions  of any Standstill Agreement, (c) whenever the Borrower
     materially  adversely  alters  the  voting  rights  attributable  to  the
     Collateral  in  contravention of this Attachment or the Credit Agreement in
     the  opinion  of  the  IPA.

5.   DEFAULT  REMEDY:  In  the  event  of  Default,  IPA shall deliver notice to
     Borrower of such Event of Default. Borrower shall then have 30 days to cure
     such  Event  of  Default.  If  Borrower fails to cure such Event of Default
     within  the  30-day  cure  period, then Borrower shall be notified that the
     provisions  of  the  Credit Agreement shall become operative. Additionally,
     the  proxy  for  voting  all  proposals  at  a  meeting of shareholders, as
     detailed in paragraph 1 of this schedule D, will no longer be in effect and
     voting  rights  or proxy rights will inure to the benefit of the registered
     holder.

5a.  SOFT DEFAULT REMEDY. In the event that the condition described in paragraph
     4a  of  this schedule D occurs ("Soft Default"), , the proxy for voting all
     proposals  at a meeting of shareholders, as detailed in paragraph 1 of this
     schedule  D,  shall  be  subject to the terms and conditions enumerated and
     depicted in the Credit Agreement attached hereto and made a part hereof for
     the  express  purposes  as  are  herein  and  therein  set  forth

6.   In  the  Event  that  any  condition precedent upon the Borrower under this
     Attachment  are  found  or determined by the IPA to be in conflict with the
     Financing  Agreement  or  the  Credit  Agreement  then  the tenants of this
     Attachment  shall be inferior to and superceded by the tenants of either or
     both  Agreements. Such decision shall be rendered by the IPA in the form of
     a  Notice  of  Material  Issue.

7.   This  Attachment may be invoked from time to time and may be rescinded from
     time to time in accordance with the conditions of performance or failure to
     perform  on  the  part of the Borrower. Any such instances if any, that may
     arise  during the term of the financing made the subject of this Attachment
     and  if, for any reason the parties hereto are in dispute over any material
     issue  arising under item 6 herein above, which for any reason has not been
     finally  resolved  within  45 days from receipt of notice thereof, then the
     Borrower's  sole  remedy  shall be to invoke a proxy right of set-off to be
     initiated  by  informing  the  IPA  that the Board shall thereupon "abstain
     vote"  all  proxy  shares  and  defer  every  matter  to  a  floor vote for
     ratification before the attending shareholders who shall vote to ratify the
     Board's  proxy pursuant to the terms of the Credit Agreement. Such election
     of  ratification  shall  defer  every matter subject to a board vote for 45

<PAGE>
     days  during  which  time  "cure  period"  the IPA shall institute a "crown
     jewel"  lockup  agreement  on behalf of the Board. Whereupon such agreement
     shall  provide for a majority of the Board's membership to be reconstituted
     in  exchange for the release by the IPA of the "crown jewel" lockup. Should
     the  shareholders fail to ratify any single board member or the majority of
     the reconstituted Board the IPA shall then have the right to proxy vote all
     shares  of  any  and  all non-ratified board members until such time as the
     material  issue  is  resolved, the "crown jewel" lockup is tendered, or the
     Credit  Agreement  is  enacted.

AGREED AND ACCEPTED ON THIS THE 24TH DAY OF FEBRUARY, 2002.

For:  International  Forex
      Finance  Group,  Ltd.
      Houston,  Texas

By:
   -----------------------------
Name:
     ---------------------------
Date:
     ---------------------------

For:  Upgrade International Corporation
      Seattle, WA  98101

 /s/ Daniel S. Bland
-----------------------------
Daniel S. Bland, CEO

 /s/ Howard A. Jaffe
-----------------------------
Name:  Howard A. Jaffe, COO

Date:  February  24,  2002

<PAGE>
     THIS SECURITY (OR ITS PREDECESSOR) HAS NOT BEEN REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY STATE
SECURITIES LAW AND NEITHER THIS SECURITY NOR ANY INTEREST OR PARTICIPATION
HEREIN MAY BE OFFERED, SOLD OR OTHERWISE TRANSFERRED IN THE ABSENCE OF SUCH
REGISTRATION OR AN APPLICABLE EXEMPTION THEREFROM. EACH PURCHASER OF THIS
SECURITY IS HEREBY NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM
THE PROVISIONS OF SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A
THEREUNDER. THE HOLDER OF THIS SECURITIES, BY ITS ACCEPTANCE HEREOF, REPRESENTS,
ACKNOWLDGES AND AGREES FOR THE BENEFIT OF THE TRUST THAT: (I) IT HAS ACQUIRED A
"RESTRICTED' SECURITY WHICH HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT;
(II) IT WILL NOT OFFER, SELL OR OTHERWISE TRANSFER THIS SECURITY PRIOR TO THE
DATE WHICH IS THREE (3) YEARS AFTER THE LATER OF ____________, 2002 AND THE LAST
DATE ON WHICH _____________ OR ANY AFFILIATE OF ___________ WAS THE OWNER OF
SUCH RESTRICTED SECURITIES (OR ANY PREDECESSOR) EXCEPT (A) TO _____________, (B)
PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN DECLARED EFFECTIVE UNDER THE
SECURITIES ACT, (C) FOR SO LONG AS THIS SECURITY IS ELIGIBLE FOR RESALE PURSUANT
TO RULE 144A, TO A PERSON WHO THE SELLER REASONABLY BELIEVES IS A "QUALIFIED
INSTITUTIONAL BUYER" (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT) IN A
TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A, OR (D) PURSUANT TO ANOTHER
AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT
AND, IN EACH CASE, IN ACCORDANCE WITH THE APPLICABLE SECURITIES LAWS OF ANY
STATE OF THE UNITED STATES OR ANY APPLICABLE JURSIDICTION; AND (III) IT WILL,
AND EACH SUBSEQUENT HOLDER IS REQUIRED TO, NOTIFY ANY PURCHASER FROM IT OF THIS
SECURITY OF THE RESALE RESTRICTIONS SET FORTH IN (II) ABOVE. ANY OFFER, SALE OR
OTHER DISPOSITION PURSUANT TO THE FOREGOING CLAUSE (II) (D) IS SUBJECT TO THE
RIGHT OF ______________ TO REQUIRE THE DELIVERY OF AN OPINION OF COUNSEL,
CERTIFICATIONS OR OTHER INFORMATION REASONABLE ACCEPTABLE TO IT IN FORM AND
SUBSTANCE.

     SO LONG AS THE SECURITIES ARE "RESTRICTED SECURITIES' (AS SUCH TERM IS
DEFINED IN RULE 144(a)(3) UNDER THE SECURITIES ACT), _____________ AGREES TO
MAKE AVALIABLE AND TO EACH HOLDER AND EACH PROSPECTIVE PURCHASER OF THE
SECURITIES DESIGNATED BY A HOLDER, UPON REQUEST, THE INFORMATION REQUIRED TO BE
PROVIDED PURSUANT TO RULE 144(d)(4) UNDER THE SECURITIES ACT.

     THE PURCHASER, BY ITS ACCEPTANCE HEREOF, ALSO REPRESENTS, ACKNOWLEDGES, AND
AGREES THAT IT (I) IS NEITHER (A) AN EMPLOYEE BENEFIT PLAN, PROGRAM OR
ARRANGEMENT SUBJECT TO SECTION 406 OF ERISA OR TO SECTION 4975 OF THE INTERNAL
REVENUE CODE NOR (B) A PERSON ACTING ON BEHALF OF OR USING THE ASSETS OF ANY
SUCH PLAN, PROGRAM, OR ARRANGEMENT, OR (II) IS AN INSURANCE COMPANY PURCHASING
THE SECURITIES WITH FUNDS CONTAINED IN AN "INSURANCE COMPANY GENERAL ACCOUNT"
(AS THAT TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS
EXEMPTION 95-60 ("PTCE 95-60")) AND ITS PURCHASE AND HOLDING OF THE SECURITIES
ARE COVERED UNDER SECTION I OF PTCE 95-60. THE PURCHASER ACKNOWLEDGES,
REPRESENTS AND AGREES THAT ANY ATTEMPT TO TRANSFER ANY SECURITIES TO SUCH A
PLAN, PROGRAM, OR ARRANGEMENT OR TO ANY PERSON ACTING ON BEHALF OF OR USING THE
ASSETS OF SUCH A PLAN SHALL BE NULL AND VOID.

     THE SECURITIES EVIDENCED BY THIS CERTIFICATE ARE SUBJECT TO AN IRREVOCABLE
PROXY AGREEMENT, A COPY OF WHICH IS ON FILE AT THE PRINCIPAL OFFICE OF THE
CORPORATION, AND THE PROVISIONS OF THE SAID AGREEMENT MAY FROM TIME TO TIME BE
AMENDED OR SUPPLEMENTED.

<PAGE>Exhibit 10.2

SEATTLE--Upgrade International Corp. UPGD, an emerging leader in the development
                                     ----
and commercialization of high capacity portable data storage technology,
announced today that it has entered into a debt financing agreement with an
institutional syndicator to obtain up to $15 million in working capital for
Upgrade and its group of Companies.

The debt instrument is for a seven-year term with the principal due at maturity,
and interest payable quarterly commencing in year three of the financing. The
loan is secured by the issuance of 40 million shares of Company Stock, which
will be issued under Rule 144A. These shares will carry a different CUSIP number
from the Company's Common Stock. These shares are restricted for a three year
period, and can only be traded among qualified institutional investors. Upon
repayment of the credit facility, the shares are to be returned to the Company.
Contained in the agreement is the stipulation that the voting rights of the 40
million shares by way of proxy will be voted in proportion with the existing
shareholder base. The Company also retains the right to substitute the
collateral after 18 months of the credit facility has transpired.

After consultation with the Company's accountants, management concluded that in
accordance with Statement of Financial Accounting Standards No. 128, Earnings
Per Share, the shares issued as collateral will be considered contingently
returnable shares, and will therefore, not be included in the earnings-per-share
calculations or as outstanding, in as much as these shares are held for
collateral purposes only and are required to be returned to the Company.

The OTC:BB has indicated that if shares are traded between qualified
institutional investors under Rule 144A, these shares will not be included in
the reported days volume activity.

In addition, Upgrade has agreed to place 5,000,000 common shares under Rule 506
of Regulation D with the syndicator, as a reserve for private placements, at
market, with investors as designated by the syndicator. These shares of common
stock have not been registered under the Securities Act of 1933 and may not be
offered or sold in the United States absent registration or an applicable
exemption under registration requirements.

Daniel Bland, President, Upgrade International stated. "We believe that securing
this facility clearly demonstrates confidence and optimism in Upgrade's
technology, products, management team and growth potential, particularly given
the current challenging economic environment."

Howard Jaffe, Upgrade's COO and CFO, added, "Moreover, this financing will help
expedite our ability to transition from a development stage company to
full-scale commercialization."

This disclosure is not an offer of securities or a solicitation of an offer to
by securities. Placements will be made only to accredited investors.

About Upgrade

Upgrade International Corp. (www.upgd.com) through its ownership interest in
UltraCard Inc. (www.ultracard.com), cQue Corporation and EforNet Corporation is
engaged in the development and commercialization of a patented ultra
high-capacity portable data storage technology. UltraCard's patented method for
using existing hard disk storage technology provides both highly durable media
in a credit card format and an inexpensive read/write device that together will
become the next generation in personal portable data storage for a broad range
of existing and new markets. Management believes that the UltraCard technology
will potentially provide numerous industrial users with a combination of high
levels of security and a vastly greater amount of personal transportable data
storage at the lowest cost in the industry. In addition the acquisition and
development of existing SmartCard solution providers represents a strategic

<PAGE>
market strategy designed to accelerate the integration of the vastly superior
technology inherent in the UltraCard into existing and newly developing markets.

On Behalf of the Board of Directors,

Daniel S. Bland

President and Chief Executive Officer

Except for any historical information presented in this document, the matters
discussed in this News Release contain "forward looking statements" (as such
term is defined in the Private Securities Litigation Reform Act of 1995). These
statements can be identified by the use of forward-looking terminology such as
"believes", "expects", "may", "will", "intends", "should", or "anticipates" or
the negative thereof or other variations thereon or comparable terminology, or
by discussions of strategy that involve risks and uncertainties. The safe harbor
provisions of Section 21B of the Securities Exchange Act or 1934, as amended,
and Section 27A of the Securities Act of 1933, as amended, apply to
forward-looking statements made by the Company. You should not place undue
reliance on forward-looking statements. Forward-looking statements involve risks
and uncertainties. The actual results that the Company achieves may differ
materially from any forward-looking statements due to such risks and
uncertainties. These forward-looking statements are based on current
expectations, and the Company assumes no obligation to update this information.
Readers are urged to carefully review and consider the various disclosures made
by the Company's other reports filed with the Securities and Exchange Commission
that attempt to advise interested parties of the risks and factors that may
affect the Company's business. Further information about the risks and
uncertainties Upgrade faces can be found in its filings with the Securities and
Exchange Commission, which can be accessed at http://www.sec.gov/ or
http://www.freedgar.com/.

Contact Information:
Upgrade International
Daniel Bland or Howard Jaffe, 206/903-3116
Fax 206/903-3117
ir@upgd.com

<PAGE>

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