Document:

Exhhibit 10.4

                               EMPLOYMENT CONTRACT

      THIS AGREEMENT made as of the 1st day of July, 2004 and amended as of
November 1, 2004 between VALLEY BANK, a Connecticut banking corporation with its
principal place of business in the City of Bristol, County of Hartford, and
State of Connecticut, hereinafter called the "Employer" and ROBERT L. MESSIER,
JR., of the City of Bristol, County of Hartford, and of Connecticut hereinafter
called the "Employee".

(I)   TERM

      (a)    The Employer shall employ the Employee for the term of one (1) year
from the date hereof, which will automatically renew for a one year term or
until a new contract is in effect, as President of the Employer's business,
subject to termination as hereinafter provided.

      (b)    The Employer hereby employs the Employee to take charge of and
conduct and manage its business, with the full power and authority normally
associated with the position of President during the term herein and carry out
other duties as defined by the Board of Directors or Organizers, as the case may
be, from time to time.

(II)  DUTIES

      The Employee shall during the continuance of such employment devote his
whole time to and diligently and faithfully employ himself in and about the
Employer's business and conduct the same to the greatest advantage of the
Employer, and will at all times follow and perform the directions and orders of
the Employer, its Board of Directors of said business, and will in all cases,
keep the Directors informed as to all matters concerning the Employers business.
Employee shall conduct himself in accordance with the business plan approved by
the Board of Directors and shall have the title of President and Chief Operating
Officer.

(III) COMPENSATION

      (a)    During the term hereof, the Employer shall pay to the Employee a
salary of One Hundred Forty Three Thousand ($143,000.00) Dollars per annum.

      (b)    In addition to the compensation indicated in (a) above, the
Employer will further compensate the Employee with an Executive
Compensation/Incentive Program to be determined on an annual basis and is
dependent upon the operating results and performance of the institution.

      (c)    The Employee shall, during the term hereof, receive reimbursement
for all reasonable expenses necessary to carry out the position as President and
Chief Operating Officer. Employee shall submit vouchers to designated
individuals for all reimbursable expenses to be approved.

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      (d)    Employee shall be provided with the use of a bank owned or leased
automobile. Selection of said vehicle shall be recommended by the employee to
the Board of Directors as appropriate.

      (e)    Employer shall pay Employee's Chippanee Golf Club dues annually.

      (f)    Employer shall provide Employee with a retirement compensation plan
whereby Employer shall pay the Employee, or in the case of the death of the
Employee, his spouse, $25,000 each year for fifteen (15) years. The initial
payment shall begin upon the earlier of the retirement of the employee or upon
the death of the employee. Payments shall be made, in advance, monthly beginning
thirty days from the Employee's date of retirement or death. In the event of the
death of the Employee's spouse, payments shall be made to the Employee, or if
the Employee is deceased, payments shall terminate.

      (g)    Employer shall, at its discretion, maintain an existing term life
policy on the life of the Employee in which the Employer is beneficiary.
Employer may use said policy to fund its obligation under paragraph "f' herein
or terminate the policy at its sole discretion.

(IV)  TERMINATION

      (a)    In the event that the Employee fails to perform in accordance with
the obligations and responsibilities established herein, the Employer may
terminate this contract upon written notice to the Employee. In the event of
termination for cause, the Employee shall not be entitled to benefits under
paragraph III (f) above.

      (b)    If the Employer terminates the Employee without cause, Employee
shall receive one years salary as severance compensation and the benefits
enumerated in paragraph III (f) above.

      (c)    If, during the term of this Agreement, the Employer's business is
sold or there is a change in control or management or ownership in which results
in the termination of the Employee, Employee shall be paid three (3) years
salary as severance. See paragraph XII below.

(V)   LOYALTY TO EMPLOYER

      The Employee shall well and faithfully serve the Employer in such capacity
as aforesaid and shall, at all times, devote his whole time, attention and
engirds to the management, superintendence, and improvement of said business to
the utmost of his ability, and shall do and perform all such services, acts, and
things connected therewith as the Employer shall from time to time direct and
are of a kind properly belonging to the duties of a President.

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(VI)  NONASSIGNABILITY

      This agreement is purely personal to the Employee, and he shall have no
right to assign, transfer, pledge or otherwise affect any interest thereunder.

(VIII) RESTRICTIVE COVENANT

      (a)    The Employee shall not divulge any matters relating to the
Employer's business or to the Employer or to any customer which may become
known to the Employee by reason of his employment or otherwise, save in so far
as may be necessary in the interests of said business.

      (b)    The Employee agrees that for a period of six months following the
voluntary termination of his employment, he will not enter the employ of any
person, firm or corporation engaged in a similar line of business in competition
with the Employer. The parties hereto recognize that the services to be
performed by the Employee are special and unique, and that by reason of this
employment the Employee will acquire confidential information as aforesaid.

(IX)  DISABILITY

      Total Disability: During the term of this contract, should the Employee
become totally disabled (as defined by a disability insurance carrier):

      A disability insurance policy shall be provided to the employee based on
standard terms and conditions. If Employee's disability exists for more than six
consecutive months, Employer shall have the option to replace Employee for all
existing job duties. In this event, retirement benefits as enumerated herein
shall commence.

(X)   DEATH

      Upon the death of the Employee, all benefits of this contract shall be
paid to his estate or to his designated beneficiary.

(XI)  BREACH

      If the Employee shall do anything contrary to any of the provisions of
this agreement, it shall be lawful for the Employer to give him notice in
writing to terminate his employment, and immediately upon such notice being
given the same employment shall cease, but without prejudice to any remedies
which the Employer may have against him for the breach or nonperformance of any
of the provisions hereof.

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(XII) CHANGE IN CONTROL

      In the event that twenty five percent (25%) of the ownership of the bank's
common shares is transferred to a controlling person or entity (by stock
purchase, merger or consolidation), and the Employee loses his employment with
the Employer, the Employee shall have the term of this agreement extended to
thirty six months from the date of the change of said control. All benefits as
herein provided shall remain in full force and effect for the extended term of
this agreement. Part of the salary continuation contemplated by this Change of
Control section shall include estimated bonuses that would have been earned by
the Employee based on the average of the prior three years of cash bonuses paid.

(XIII) AUTHORITY

      The Employee shall have the authority and is herein empowered to execute
documents on behalf of the Employer and shall have the authority to spend the
financial resources of the Employer up to limits as set from time to time by the
Board of Directors.

      Executed this _____ day of November, 2004.

      IN WITNESS WHEREOF, the parties have hereunto set their hands and seals on
the date first above written.

Witness to all:                             EMPLOYER: VALLEY BANK

                                            By /s/ James Pryor
                                               ------------------
                                            James Pryor, Chairman
                                            Duly Authorized

                                            EMPLOYEE:

                                            /s/ Robert L. Messier, Jr.
                                            ----------------------------
                                            Robert L. Messier, Jr.Exhibit 10.5

                                   VALLEY BANK

                              AMENDED AND RESTATED
                  1999 STOCK OPTION AND STOCK COMPENSATION PLAN

1.    PURPOSE.

      The Valley Bank 1999 Stock Option and Stock  Compensation Plan is designed
to enable selected employees and directors of Valley Bank to acquire or increase
a proprietary  interest in the Bank,  and thus to share in the future success of
the Bank's business.  Accordingly,  this Plan is intended as a further means not
only of attracting and retaining  outstanding employees and directors who are in
a position to make important and direct contributions to the success of the Bank
but  also of  promoting  a closer  identity  of  interests  between  the  Bank's
employees, directors and its shareholders.

2.    DEFINITIONS.

      Whenever  used  herein,  the  following  terms shall have the meanings set
forth below:

"Bank" means Valley Bank.

"Board" means the Board of Directors of Valley Bank.

"Code" means the Internal Revenue Code of 1986, as amended,  and the regulations
thereunder.

"Committee"  means the Board's  Salary and Personnel  Committee or any successor
thereto, which shall be comprised of two or more Non-employee Director&

"Common Stock" means the Bank's common stock, no par value per share.

"Compensation  Stock" means Common Stock authorized by the Committee for payment
to a Bank employee in lieu of cash  compensation for services  rendered or to be
rendered by that employee for the benefit of the Bank.

"Initial  Offering"  means the offering for sale of up to 750,000  shares of the
Bank's Common Stock to raise the capital necessary to obtain a Final Certificate
of Authority from the Connecticut Banking Commissioner.

"Disability,"  as  applied to a Grantee,  shall  have the  meaning  set forth in
Section 22(e)(3) of the Code.

"Exchange  Act" means the Securities  Exchange Act of 1934, as amended,  and the
regulations thereunder.

"Fair Market  Value" when used with respect to Common Stock shall be  determined
as of the applicable  date according to the following  rules:  (i) if the Common
Stock is at the time listed or

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<PAGE>

admitted to trading on any stock exchange or NASDAQ,  then the fair market value
shall be the  reported  closing  price of the  Common  Stock on such date on the
principal  exchange or NASDAQ,  as the case may be; (ii) if the Common  Stock is
not at the time listed or admitted to trading on a stock exchange or NASDAQ, the
fair market value shall be the closing  price of the Common Stock on the date in
question  in the  over-the-counter  market,  as  such  price  is  reported  in a
publication of general circulation selected by the Board and regularly reporting
the  price of the  Common  Stock in such  market;  or (iii) if the  price of the
Common  Stock is not so  reported,  the fair  market  value  shall be  equitably
determined in good faith by the Board, which may take into consideration (1) the
price paid for the Common Stock in the most recent trade of a substantial number
of shares known to the Board to have  occurred at arm's length  between  willing
and knowledgeable investors, or (2) an appraisal by an independent party, or (3)
any other method of valuation  undertaken in good faith by the Board, or some or
all of the above as the Board shall in its discretion  elect. In the case of the
Initial  Options,  "Fair Market  Value" for purposes of  determining  the Option
Price shall be the  Initial  Offering  Price.  The absence of the market for the
Bank's  Common  Stock,  and  its  startup  organization  status,  makes  this  a
reasonable  and good faith  method to  determine  Fair Market Value on the Grant
Date of the Initial  Options,  which shall be the day the Bank obtains its Final
Certificate of Authority.

"Final  Certificate of Authority"  means the evidence  issued by the Connecticut
Banking Commissioner pursuant to Connection General Statutes Section 36a-70 that
the Bank has  satisfied all  requirements  to commence  banking  business in the
State of Connecticut.

"Grantee"  means an  employee  or  Non-employee  Director of the Bank to whom an
Option is granted.

"Grant  Date," as used with  respect to a particular  Option,  means the date on
which such  Option is granted by the  Committee  pursuant  to this Plan,  as set
forth in Section 5, except as specifically provided for Initial Options.

"Incentive Stock Option" means an Option described in Code Section 422(b).

"Initial  Options"  means the Options to be granted to officers and directors of
the Bank at the conclusion of the Initial Offering.

"NASDAQ" means National  Association of Securities  Dealers Automated  Quotation
System.

"Non-employee   Director"  shall  have  the  meaning   assigned  by  Rule  16b-3
promulgated  under the  Exchange  Act,  which  may be  summarized  as  meaning a
director who is not currently an officer or otherwise  employed by the Bank, who
does  not  receive  compensation  from  the  Bank  for  services  rendered  as a
consultant,  except to the limited extent permitted by such Rule 16b-3, who does
not  possess an  interest  in any other  transaction  with the Bank,  and who is
otherwise not engaged in a business  relationship  with the Bank that would have
to be disclosed by the Bank under the Exchange Act.

"Non-statutory  Stock  Option"  means an Option that is not an  Incentive  Stock
Option.

"Option"  means the right to purchase,  at a price and for the Term fixed by the
Committee in accordance with this Plan and subject to such other limitations and
restrictions as this Plan and

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<PAGE>

the  Committee  impose,  the number of shares of Common  Stock  specified by the
Committee and shall include Incentive Stock Options, Non-statutory Stock Options
and Initial Options.

"Option Agreement" means a written agreement in a form approved by the Committee
to be entered  into by the Bank and the  Grantee of an Option,  as  provided  in
Section 8 hereof.

"Option Price" means the purchase price of each share of Common Stock subject to
an Option set by the Committee in accordance with Section 8 hereof.

"Plan" means the Valley Bank 1999 Stock Option and Stock Compensation Plan.

"Retirement,"  as  applied  to an  employee,  shall  mean  when  the  employee's
employment  with the Bank  terminates upon reaching the normal age of retirement
as  established  by the Board's  policies from time to time, and as applied to a
Non-employee Director shall mean such director's departure from the Board.

"Successor"  means the legal  representative of the estate of a deceased Grantee
or the person or persons  who shall  acquire  the right to exercise an Option by
bequest or inheritance or by reason of the death of the Grantee.

"Term" means the period during which a particular Option may be exercised.

3.    EFFECTIVE DATE AND DURATION OF PLAN.

      This Plan  shall  become  effective  on the day the Final  Certificate  of
Authority  is issued  (the  "Effective  Date")  subject to approval of this Plan
within  one year of the  Effective  Date by the  holders  of a  majority  of the
outstanding  shares of Common Stock present or represented  and entitled to vote
at a duly held meeting of the Bank's shareholders;  provided, however, that upon
approval of this Plan by the shareholders of the Bank, all Options granted under
this Plan prior to such  approval  but on or after the  Effective  Date shall be
fully effective as if the  shareholders of the Bank had approved this Plan prior
to such  approval but after the  Effective  Date.  If the  shareholders  fail to
approve  the Plan within one year of the  Effective  Date,  any Options  granted
hereunder shall be null and void and of no effect.

      Unless  previously  terminated  by the  Board of  Directors  or  except as
otherwise  provided for herein,  this Plan shall terminate,  as to any shares of
Common Stock as to which Options have not theretofore been granted, on the tenth
anniversary of the Effective Date.

4.    ADMINISTRATION OF THIS PLAN.

      (a) This Plan shall be administered by the Committee.  The Committee shall
have  the  responsibility  of  construing  and  interpreting  this  Plan  and of
establishing  and amending such rules and  regulations as it deems  necessary or
desirable  for the proper  administration  of this  Plan.  The  Committee  shall
administer the Plan in compliance  with all applicable  laws and regulations and
the  Statement of Policy on  Applications  for Deposit  Insurance of the Federal
Deposit Insurance  Corporation  which is published in 63 Federal  Regulation No.
161 at 44752. Any

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<PAGE>

decision or action taken or to be taken by the  Committee,  arising out of or in
connection with the construction,  administration,  interpretation and effect of
this Plan and of its rules and  regulations,  shall, to the extent  permitted by
law,  be within  its  absolute  discretion  (except  as  otherwise  specifically
provided  herein) and shall be conclusive  and binding upon all Grantees and any
person claiming under or through any Grantee. Notwithstanding the foregoing, any
such  construction,  rule or  regulation  that is or could be  applicable to the
award or  exercise  of an Option,  or  otherwise  affect an  existing  or future
Non-employee  Director,  shall  require  the  ratification  of the Board  and/or
shareholders  of the Bank before it can take effect,  to the extent  required by
Rule 16b-3 promulgated under the Exchange Act or applicable Connecticut statutes
pertaining to transactions in which one or more directors may have a conflict of
interest.

      (b) The Committee shall have plenary authority,  subject to the provisions
of this Plan,  to grant to employees  of the Bank  Incentive  Stock  Options and
Non-statutory Stock Options and to determine to which employees Options shall be
granted and the number of shares subject thereto,  the Term of each such Option,
and the terms of such awards, and the waiver or acceleration thereof,  including
the authority to accelerate the  exercisability or vesting of all or any portion
of any such  Option or to extend  the  period  during  which any such  Option is
exercisable, provided that no Option shall be granted which is exercisable after
the expiration of ten (10) years from the date it is granted. In no instance, is
an  Incentive  Stock  Option to be granted to a person other than an employee of
the Bank.  The  Committee  shall  exercise  similar  authority  with  respect to
granting  Non-statutory  Stock  Options  to  Non-employee  Directors,   subject,
however, in each and every case, to the advance approval of the Board and/or the
shareholders  of the Bank, in accordance  with the  applicable  standards of the
directors  conflicts of interest statutes contained in the Connecticut  Business
Corporation Act, as amended.

      (c) The Committee shall have plenary authority,  subject to the provisions
of  this  Plan,  to  pay,  from  time  to  time,  employees  of the  Bank  stock
compensation  in lieu of cash for  services  rendered  and to be rendered to the
Bank as employees and to determine  which  employees shall receive such payments
and the number of shares to be paid.

      The  Committee  shall also have  plenary  authority  to  institute  or not
institute any vesting schedule with respect to stock compensation  provided that
all shares  paid as  compensation  vest no later than the last day of the fiscal
year in which they are issued.

5.    GRANT OF OPTIONS: NUMBER AND SOURCE OF SHARES SUBJECT TO THIS PLAN.

      (a) (i) The  Initial  Options  shall  be  granted  to those  officers  and
directors,  in the amounts set forth  opposite  such  directors'  and  officers'
names, as set forth in Exhibit A attached hereto and made a part hereof,  on the
condition  subsequent  that this Plan is  approved  by the Bank's  shareholders.
These  Options are awarded as an incentive  for the  officers  and  directors to
strive to achieve the Bank's financial projections during its startup phase. The
aggregate number of shares subject to Initial Options shall equal, 42,700 shares
of Common  Stock.  The  Initial  Options  granted to  employees  shall be deemed
Incentive  Stock  Options and those to  Non-employee  Directors  shall be deemed
Nonqualified  Stock  Options.  The Initial  Options shall be  exercisable  for a
ten-year  period from the Effective  Date of this Plan, but may not be exercised
until vested.  One-third of each Initial Option shall vest as to each Grantee on
the first, second

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and third anniversary of the Option's Grant Date. However, no vested position of
any  Option  may be  exercised  unless  and  until  the  earliest  of any of the
following  events has occurred:  (i) the Bank's Common Stock has been registered
under the Exchange Act; (ii) the Bank has conducted a second public  offering of
the Common Stock;  (iii) the Grantee's  death, or termination of employment;  or
(iv) the  cessation of the Grantee's  status as a  non-employee  Director.  When
Option exercise is possible pursuant to these previous, exercise remains subject
to the other  restrictions  and requirements of this Plan. The Effective Date of
this Plan  shall be deemed  the Grant  Date for  purposes  of  Initial  Options,
subject,  however, to the condition  subsequent of the approval of this Plan and
these grants by the shareholders of the Bank.

            (ii) The  Committee may from time to time grant  additional  Options
under this  Plan,  provided,  however,  that the  aggregate  number of shares of
Common Stock  underlying or issued upon exercise of Options granted  pursuant to
this Plan  (including  Initial  Options) plus the aggregate  number of shares of
Compensation  Stock  issued under this Plan shall not exceed  105,992  shares of
Common Stock,  subject to  adjustment  in accordance  with Section 15. Shares of
Common Stock to be delivered by the Bank upon the exercise of Options or payment
of  Compensation  Stock shall be provided from  authorized  and unissued  Common
Stock which is not reserved for some other purpose. The Board shall continuously
reserve  sufficient  shares of authorized but unissued Common Stock necessary to
meet the needs of the Plan.

      (b) The Grant Date of an Option,  other than an Initial  Option,  shall be
the  date on which  the  Committee's  action  is  final  or such  later  date as
specified by the Committee.

      (c) In the event that any Option expires,  lapses or otherwise  terminates
prior to being  fully  exercised,  any share of Common  Stock  allocable  to the
unexercised portion of such Option may again be made subject to an Option.

6.    INDIVIDUALS ELIGIBLE TO RECEIVE OPTIONS.

      (a) Options  may be granted  under this Plan to  employees  of the Bank as
designated from time to time by the Committee.

      (b)  Non-employee  Directors  shall not be eligible  to receive  Incentive
Stock Options but shall be eligible to receive  Non-statutory Stock Options. Any
Non-statutory  Stock Option awarded to any Committee  member shall be subject to
approval  of the full Board  and/or the  shareholders  of the Bank to the extent
necessary  to  satisfy  the  requirements  of Rule 16b-3  promulgated  under the
Exchange Act and the heretofore cited Connecticut statutes on director conflicts
of interest.

7.    LIMITATION ON ANNUAL AWARDS.

      The aggregate Fair Market Value (determined at the date an Incentive Stock
Option is granted) of the shares of Common Stock with respect to which Incentive
Stock  Options  are  exercisable  for the  first  time by a Grantee  during  any
calendar year under this Plan or any other plan maintained by the Bank shall not
exceed $100,000.

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8.    OPTION AGREEMENT.

      (a) The prospective Grantee of an Option shall execute an Option Agreement
with the Bank memorializing such terms and conditions, not inconsistent with the
Plan, as may be approved by the  Committee.  The terms and  conditions of Option
Agreements may vary from Grantee to Grantee and grant to grant.

      (b) The  Committee  may  amend  an  Option  Agreement  from  time to time,
provided that no amendment  which is adverse to the interests of the Grantee may
be made without the Grantee's consent,  unless the amendment is deemed necessary
to bring the Option  Agreement into  compliance with this Plan or applicable law
as of the date the Option Agreement was initially executed.

      (c) Appropriate  officers of the Bank are hereby authorized to execute (by
facsimile or manually  affixed  signature)  and deliver Option  Agreements,  and
amendments thereto, in the name of the Bank as directed from time to time by the
Committee.

9.    OPTION PRICE AND FORM OF PAYMENT.

      The Option Price shall be fixed by the Committee and stated in each Option
Agreement and, except as set forth hereafter, shall be not Less than 100% of the
Fair Market Value of a share of the Common Stock on the Grant Date of the Option
(as  determined  in good faith by the  Committee).  The Option Price for Initial
Options  shall be not less than $10 or 100% of the Fair Market Value (as defined
for this  purpose) of a share of Common Stock on the date such  Initial  Options
are  granted.  Notwithstanding  the  foregoing,  in the event the Grantee  would
otherwise  be  ineligible  to receive  an  Incentive  Stock  Option by reason of
Sections  422(b)(6) and 424(d) of the Code (relating to stock  ownership of more
than 10%),  the Option  Price of an Option that is  intended to be an  Incentive
Stock  Option shall be not less than 110% of the Fair Market Value of a share of
Common Stock on the Grant Date of such Option.  Payment of the Option Price upon
Option exercise shall be made in cash or in such other form as the Committee may
approve and the government  regulatory bodies  exercising  jurisdiction over the
Bank do not prohibit.

10.   TERMS AND EXERCISE OF OPTIONS; LIMITATIONS ON EXERCISE AND TRANSFERABILITY
OF OPTIONS.

      (a) Each Option granted under this Plan shall be exercisable only during a
Term  commencing  on the Grant Date,  unless  otherwise  specified in the Option
Agreement,  and ending  (unless the Option shall have  terminated  earlier under
other provisions of this Plan or the Option  Agreement) on a date to be fixed by
the  Committee  but in no event  later than the tenth  anniversary  of its Grant
Date;  provided,  however,  that in the event the  Grantee  would  otherwise  be
ineligible to receive an Incentive  Stock Option by reason of the  provisions of
Sections  422(b)(6) and 424(d) of the Code (relating to stock  ownership of more
than 10%), an Option granted to such Grantee that is intended to be an Incentive
Stock Option shall in no event be exercisable after the expiration of five years
from its Grant Date.

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      (b) The Committee  shall have  authority to grant Options  exercisable  in
full  at  any  time  during  their  Term,  or   exercisable   in  cumulative  or
noncumulative installments.

      (c) Options shall be exercised in whole or in part in accordance  with the
terms set forth in a Grantee's Option Agreement.

      (d) Subject to the provisions of subsection (e) hereof, upon compliance by
the Grantee with the terms of exercise,  the Bank shall promptly  deliver to the
Grantee a certificate or certificates  for the shares of Common Stock purchased,
without charge to the Grantee for any issue or transfer tax,

      (e) The  Committee  may choose not to honor any  exercise of an Option for
such time as the Committee in its  discretion  may deem  necessary,  in order to
permit the Bank with reasonable diligence to determine that the shares of Common
Stock are qualified for delivery under such  securities  laws and regulations as
the  Committee  may deem to be  applicable  thereto;  and the Bank  shall not be
obligated  by virtue of any Option  Agreement  or any  provision of this Plan to
recognize  the  exercise of an Option to sell or issue shares of Common Stock in
violation  of any  applicable  law.  Any  non-recognition  of the exercise of an
Option shall not extend the Term thereof; and neither the Bank nor its directors
or officers  shall have any obligation or liability to the Grantee of an Option,
or to the Grantee's Successor, with respect to any shares as to which the Option
shall lapse because of such non-recognition.  However, if a particular notice of
exercise is honored after an initial delay,  the date of the notice shall govern
as to the timeliness of the exercise to the extent permitted by law.

      (f) All Options  granted under this Plan shall not be  transferable  other
than by will or by the laws of descent and distribution and then only subject to
the  limitations  of this  Plan and the  applicable  Option  Agreement  and may,
subject to the  limited  exception  specified  below,  be  exercised  during the
lifetime of the Grantee only by the Grantee. The Committee may permit:

            (i)  exercise,  during  the  Grantee's  lifetime,  by the  Grantee's
guardian or Legal representative in the event of the Grantee's Disability; and

            (ii) transfer, upon the Grantee's death, to beneficiaries designated
by Grantee in a manner  authorized  by the  Committee,  provided in either event
that the  Committee  determines  that such  exercise or such  transfer  is, with
respect to an Incentive Stock Option, consonant with the requirements of Section
422(b)(5) of the Code.

      (g) Upon the exercise of a Non-statutory Stock Option by the Grantee,  the
stock certificate or certificates may, at the request of the Grantee,  be issued
in the Grantee's name and the name of another person as joint tenants with right
of survivorship.

      (h) The Committee may provide,  in the Option Agreement,  for the lapse of
an Option, prior to the expiration of its term, upon the occurrence of any event
specified by the Committee and shall provide in each Option  Agreement  that the
Federal Deposit Insurance Corporation, or other primary federal regulator of the
Bank may direct the Committee to require the Grantee of an Option to exercise or
forfeit the Grantee's  rights under the Option  Agreement if the Bank's  capital
falls below minimum requirements, as determined by the Federal Deposit Insurance
Corporation,  by such other  primary  regulator  or by the  Connecticut  Banking
Department, all in

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<PAGE>

accordance with the Federal Deposit Insurance  Corporation's Statement of Policy
on Applications for Deposit Insurance  published in Volume 63 Number 161 at Page
44752 of the Federal Register on August 20, 1998.

      (i) A person electing to exercise an Option shall give written notice,  in
such form as the Committee may require,  of such election to the Bank and tender
to the Bank the full Option  Price of the shares of Common Stock for which shall
the election is made and shall comply with all other  applicable  provisions  of
this Plan and the applicable Option Agreement.

11.   STOCKHOLDERS' AGREEMENT.

      So long as the  Stockholders'  Agreement,  which is in effect  between the
Bank and its  shareholders on the Effective Date,  remains in effect,  this Plan
shall comply in all respects with the requirements thereof,

12.   EXERCISE OF OPTIONS BY GRANTEE ON CESSATION OF EMPLOYMENT.

      Except as otherwise  specifically provided for herein,  employment for the
purposes of this Section shall mean  continuous  full-time  salaried  employment
with the Bank,  except that vacations,  sick leaves and other approved  absences
shall be disregarded.  The following  limitations  shall apply to any provisions
the  Committee  shall  make in an Option  Agreement  for  exercises  of  Options
following cessation of employment.

      (a) Except as provided in Section  12(b),  (c), (d) and (e) below,  in the
event a  Grantee  ceases  to be an  employee  of the  Bank  through  involuntary
termination by the Bank with or without cause or any voluntary termination,  all
Options held by such Grantee shall be  exercisable  only to the extent that such
Options were  exercisable  at the time such Grantee  ceases to be an employee of
the Bank,  and such  Options  shall lapse on the date that is the earlier of (i)
three months following such  termination,  or (ii) the expiration date set forth
in such Option.

      (b) If such  termination  is due to  Retirement,  all Options held by such
Grantee  shall  be  exercisable  only  to the  extent  that  such  Options  were
exercisable at the time of such Retirement,  and such Options shall lapse on the
date that is the earlier of (i) three (3) months after such  termination  in the
case of the  exercise of an  Incentive  Stock  Option and such period of time as
determined  by the Committee  and set forth in the Option  Agreement  evidencing
such Option in the case of the exercise of a Non-statutory Stock Option, or (ii)
the expiration date set forth in the Option Agreement for such Option.

      (c) If such  termination  is due to  Disability,  all Options held by such
Grantee  shall  be  exercisable  only  to the  extent  that  such  Options  were
exercisable at the time of such Disability,  and such Options shall lapse on the
date that is the earlier of (i) one year after such  termination  in the case of
the exercise of an Incentive  Stock Option and such period of time as determined
by the Committee and set forth in the Option Agreement evidencing such Option in
the case of the exercise of a Non-statutory Stock Option, or (ii) the expiration
date set forth in the Option Agreement for such Option.

                                        8
<PAGE>

      (d) An Incentive  Stock Option not exercised  within three months  (twelve
months in the case of Disability or death) after the date of termination  due to
Disability,  Retirement  or death may be exercised if permitted by the Committee
and applicable law as a Non-statutory Stock Option within such period of time as
determined by the Committee and set forth in the applicable Option Agreement (as
the permitted period of exercise in such circumstances of a Non-statutory  Stock
Option) after the date of such termination,  but in no event will such Option be
eligible for the treatment afforded Incentive Stock Options under Section 422 of
the Code.

      (e) If a Grantee should die while employed by the Bank or after Disability
or Retirement,  any Option previously granted to the Grantee under this Plan and
not  previously  terminated  as a result  of  Disability  or  Retirement  may be
exercised by the person designated in such Grantee's last will and testament or,
in the absence of such designation,  by the Grantee's estate, to the full extent
that such Option could have been exercised by such Grantee  immediately prior to
the Grantee's death,  but not later than the first  anniversary of the Grantee's
death in the case of the exercise of an  Incentive  Stock Option and such period
of time as determined  by the  Committee  and set forth in the Option  Agreement
evidencing  such  Option in the case of the  exercise of a  Non-statutory  Stock
Option.

      (f) No exercises may occur after expiration of the Term of an Option.

13.   SHAREHOLDER'S RIGHTS.

      No Grantee, and no beneficiary or other person claiming through a Grantee,
shall have any interest in any shares of Common Stock allocated for the purposes
of this Plan or subject to any Option  until such  shares of Common  Stock shall
have been transferred to the Grantee or such person. Furthermore,  the existence
of the  Options  shall  not  affect:  the  right  or  power  of the  Bank or its
shareholders to make adjustments,  recapitalizations,  reorganizations  or other
changes in the Bank's  capital  structure;  the  payment of  dividends  or other
distributions to  shareholders;  the dissolution or liquidation of the Bank; the
sale or  transfer  of any part of the Bank's  assets or  business;  or any other
corporate act, whether of a similar character or otherwise.

14.   NO RIGHT TO EMPLOYMENT.

      Nothing in this Plan or any  instrument  executed  pursuant  hereto  shall
confer  upon any  employee  any right to  continue in the employ of the Bank nor
shall  anything  in this  Plan  affect  the right of the Bank to  terminate  the
employment of any employee, with or without cause.

15.   EFFECT OF CHANGES IN CAPITALIZATION.

      (a) If the  outstanding  shares of Common Stock are increased or decreased
or changed into or exchanged  for a different  number or kind of shares or other
securities  of the Bank by  reason  of any  recapitalization,  reclassification,
stock  split-up,  combination of shares,  exchange of shares,  stock dividend or
other distribution involving Common Stock, or other increase or decrease in such
shares effected without receipt of  consideration  by the Bank,  occurring after
the Effective  Date, the number and kind of shares  reserved under this Plan for
which Options may be

                                        9
<PAGE>

granted  under  Section 5 of this Plan shall be  proportionately,  equitably and
accordingly  adjusted  by the  Committee.  In  addition,  the number and kind of
shares for which Options are outstanding shall be similarly adjusted so that the
proportionate interest of a holder of an Option immediately following such event
shall,  to the  extent  practicable,  be the same as  immediately  prior to such
event. Any such adjustment in outstanding Options shall not change the aggregate
Option Price payable with respect to shares subject to the  unexercised  portion
of an  Option  outstanding  but  shall  include  a  corresponding  proportionate
adjustment in the Option Price per share of Common Stock. The Board shall adjust
the number of shares of Common  Stock  reserved  for this Plan as  necessary  to
reflect the adjustments required by this subsection.

      (b) Subject to subsection  (c) hereof,  if the Bank shall be the surviving
entity in any reorganization,  merger,  share exchange,  or consolidation of the
Bank with one or more other banks or entities,  any Options  theretofore granted
pursuant to this Plan shall  pertain to and apply to the  securities  to which a
holder of the number of shares of Common  Stock  similar to the number of shares
subject to each such  Option  would have been  entitled  to receive  immediately
following such reorganization,  merger, share exchange or consolidation,  with a
corresponding proportionate adjustment of the Option Price per share so that the
aggregate Option Price thereafter  applicable to the securities  covered by each
applicable  Option  Agreement shall be the same as the aggregate Option Price of
the shares of Common Stock subject to such Option Agreement immediately prior to
such reorganization, merger, share exchange or consolidation.

      (c) Upon the  dissolution  or  liquidation  of the Bank, or upon a merger,
consolidation,  or share exchange,  or other  reorganization  involving the Bank
with one or more other banks or entities in which the Bank is not the  surviving
bank or entity,  or upon a sale of all or substantially all of the assets of the
Bank, or upon any transaction  approved by the Board which results in any person
or entity  owning 80% or more of the  combined  voting  power of all  classes of
stock  of the  Bank,  this  Plan and all  Options  outstanding  hereunder  shall
terminate,  except to the extent provision is made in writing in connection with
such  transaction for the continuation of this Plan and/or the assumption of the
Options  theretofore  granted,  or for the  substitution for such Options of new
options  covering  the stock of a  successor  bank,  or a parent  or  subsidiary
thereof,  with appropriate  equitable  adjustments as to the number and kinds of
securities  and Option Price,  in which event this Plan and Options  theretofore
granted  shall  continue in the manner and under the terms so  provided.  In the
event of any such  termination of this Plan; each  individual  holding an Option
shall have the right  (subject to the general  limitations on exercise set forth
in this  Plan and  except  as  otherwise  specifically  provided  in the  Option
Agreement relating to such Option),  immediately prior to the occurrence of such
termination and during such period  occurring  prior to such  termination as the
Committee in its sole discretion shall determine and designate, to exercise such
Option,  in whole or in part,  whether or not such  Option  would  otherwise  be
exercisable  at the time  such  termination  occurs  and  without  regard to any
vesting or installment  limitation on exercise imposed. The Committee shall send
written  notice  of an event  that  will  result  in such a  termination  to all
individuals  who are  parties  to Option  Agreements  not later than the time at
which the Bank gives notice thereof to its shareholders.

      (d)  Adjustments  under this Section 15 related to stock or  securities of
the Bank shall be made by the  Committee,  whose  determination  in that respect
shall be final, binding, and conclusive. No fractional shares of Common Stock or
units of other securities  shall be issued pursuant to any such adjustment,  and
any fractions  resulting  from any such  adjustment  shall be eliminated in each
case by rounding downward to the nearest whole share or unit.

                                       10
<PAGE>

      (e) The grant of an Option pursuant to this Plan shall not affect or limit
in  any  way  the   right   or   power   of  the   Bank  to  make   adjustments,
reclassifications,  reorganizations  or  changes  of  its  capital  or  business
structure or to merge,  consolidate,  dissolve or  liquidate,  engage in a share
exchange, or sell or transfer all or any part of its business or assets.

      (f) Except as  provided in this  Section  15, the  issuance by the Bank of
shares of Common  Stock,  shares of any  class of  securities  convertible  into
shares of Common  Stock,  shares  of stock of any other  class,  or units of any
other  security  shall not affect this Plan or the existing  terms of any Option
Agreement.

16.   CHANGE IN CONTROL.

      (a) Upon the  occurrence of a Change in Control (as  hereinafter  defined)
all Options shall become  immediately  exercisable  in full for the remainder of
their Terms, as otherwise determined in accordance with this Plan.

      (b) A "Change in Control" is the  occurrence  of any one of the  following
events:

            (i) Any Person (as hereinafter  defined) (other than a Grantee,  the
Bank or any  trustee or other  fiduciary  holding  securities  under an employee
benefit plan of the Bank) is or becomes an  "Acquiring  Person" (as  hereinafter
defined);

            (ii) Less than eighty  percent of the total  membership of the Board
shall be Continuing Directors (as hereinafter defined); or

            (iii) The  shareholders  of the Bank shall approve a merger exchange
or consolidation of the Bank with a Person or a plan of complete  liquidation of
the  Bank or an  agreement  for the  sale or  disposition  by the Bank of all or
substantially  all of the Bank's  assets to another  Person or a share  exchange
with  another  Person,  except  in any  such  case  in a  transaction  in  which
immediately after such merger,  consolidation or sale, exchange or transfer, the
shareholders  of the Bank, in their  capacities as such and as a result thereof,
shall own at least 50 percent in voting power of:

                  (A) the  then  outstanding  securities  of the  Bank or of any
surviving  Person  pursuant  to any such  merger  or share  exchange  (or of its
parent);

                  (B) the  consolidated  corporation  or business  entity in any
such consolidation; or'

                  (C) the  other  Person(s)  to which  such  sale,  exchange  or
transfer of assets is made.

      (c) A "Change in Control" shall be deemed not to have occurred if:

            (i) such event is mandated or directed by a  regulatory  body having
jurisdiction over the Bank's operations; or

                                       11
<PAGE>

            (ii) it occurs  pursuant to the terms of a plan for the  acquisition
of the capital  stock of the Bank by a newly formed bank holding  company if, in
the  consummation of such plan, the  shareholders of the Bank will receive,  pro
rata,  all of the Common Stock of such bank  holding  company;  unless,  in such
transaction, a Person satisfies subsection (b)(i), (U) or (Hi) above.

      (d) For purposes of this Section 16:

            (i)  "Acquiring  Person"  shall  mean any Person who is or becomes a
"beneficial  owner" (as defined in Rule 13d-3 of the  Exchange  Act in effect on
the Effective Date) of securities of the Bank representing  twenty-five  percent
(25%) or more of the combined voting power of the Bank's then outstanding voting
securities,  unless such Person is  eligible to file and files  Schedule  13G as
governed by  Regulation  13d-1 of the  Exchange  Act in effect on the  Effective
Date,  as made  applicable  to the Bank by the FDIC  Regulation  codified  as 12
C.F.R. Section 335.331.

            (ii) "Affiliate" and "Associate" shall have the respective  meanings
ascribed to such terms in Rule 12b-2  promulgated  under the  Exchange Act as in
effect on the date hereof.

            (iii) "Continuing  Directors" shall mean any member of the Board who
was a member of the Board on or prior to the Effective  Date,  and any successor
of a Continuing  Director while such successor is not an Acquiring  Person or an
Affiliate  or  Associate  of an  Acquiring  Person or of any such  Affiliate  or
Associate and is  recommended  or elected to succeed a Continuing  Director by a
majority of a Continuing Directors.

            (iv)  "Person"  shall  mean  any  individual,  corporation,  limited
liability  company,  partnership,  group,  business trust,  association or other
"person",  as such term is defined in Section 2(9) and used in Section 13(d) and
14(d) of the Exchange Act.

17.   TERMINATION, SUSPENSION OR MODIFICATION OF PLAN.

      The Board may at any time  terminate or suspend  this Plan.  The Board may
make any technical or clarifying modification to this Plan provided that it does
not materially increase the benefits  potentially  available to any Non-employee
Director  hereunder.  The Board may make any other modification to the Plan that
will affect only  employees  of the Bank  subject to the  limitations  set forth
below. The foregoing rights of the Board may be accomplished without shareholder
approval. However, the Board shall not, without the authorization of the holders
of a majority of the outstanding  securities entitled to vote, effect any change
(other than through  adjustment for changes as hereinabove  provided in previous
Sections of this Plan) which:

      (a)  increases  the  aggregate  number of shares of Common Stock for which
Options may be granted;

      (b) increases the aggregate  number of shares of Common Stock which may be
utilized for Options or Compensation Stock;

                                       12
<PAGE>

      (c)  broadens  the class of persons  eligible to be Grantees or to receive
Compensation Stock;

      (d) lowers the  minimum  Option  Price or value of  Compensation  Stock or
otherwise  materially  increases the benefits accruing to Grantees or recipients
of Compensation Stock under this Plan; or

      (e) extends the Maximum  Term for which  Options may be granted or extends
the expiration of this Plan.

      No  termination,  suspension or  modification of this Plan shall adversely
affect any right acquired by any Grantee or any Successor  under the terms of an
Option granted before the date of such termination,  suspension or modification,
other than as provided in Sections 10(e) or 19, unless such Grantee or Successor
shall consent. It shall be conclusively presumed that any adjustment for changes
contemplated in Section 15 will not adversely affect any such right.

      Upon  the  dissolution  or  liquidation  of  the  Bank,  this  Plan  shall
terminate,  and all Options  previously  granted shall lapse on the date of such
dissolution or liquidation. However, dissolution of liquidation shall be treated
as a  reorganization  in which the Bank is not the survivor  under Section 15(c)
with the corresponding notice and opportunity to accelerate Option exercises.

18.   APPLICATION OF PROCEEDS.

      The  proceeds  received  by the Bank from the sale of its shares of Common
Stock under this Plan will be used for general corporate purposes.

19.   LEGAL RESTRICTIONS.

      The Bank will not be  obligated to issue shares of Common Stock if counsel
to the Bank  determines  that such  issuance or payment would violate any law or
regulation of any governmental  authority or any agreement  between the Bank and
any  national  securities  exchange or  quotations  system upon which the Common
Stock, or other security which may come to be covered hereby,  may be listed. In
connection with any issuance or transfer of Common Stock upon the exercise of an
Option,  the Grantee  acquiring the shares shall, if requested by the Bank, give
assurances  satisfactory  to counsel to the Bank  regarding  such matters as the
Bank may deem  desirable  to  assure  compliance  with  all  legal  requirements
including,  without limitation,  access to financial and other information about
the Bank's activities,  restrictions on transfer, and the financial standing and
sophistication of the Grantee. The Bank shall in no event be obliged to take any
action in order to cause the exercise of any Option.

20.   WITHHOLDING TAXES.

      Each Grantee  exercising an Option as a condition to such  exercise  shall
pay to the Bank the amount, if any,  required to be withheld from  distributions
resulting from such exercise under

                                       13
<PAGE>

applicable Federal and State income tax laws and any portion of RCA and Medicare
taxes that are due from Grantee ("Withholding  Taxes"). At the time of exercise,
a Grantee shall indicate whether the Bank should deduct the required Withholding
Taxes from the regular compensation,  if any, paid by the Bank to the Grantee or
whether the Grantee will pay for such Withholding  Taxes from other resources of
the Grantee.  Such Withholding  Taxes shall be payable promptly upon exercise of
rights  under an Option  Agreement  but no later  than the date the  payment  is
required from the Bank to the taxing authority. The Committee may establish such
additional  procedures as it deems  appropriate  for the settling of Withholding
Tax  obligations  so long as  Grantee  may  comply  therewith  without  being in
violation of Rule 16b-3 promulgated under the Exchange Act.

21.   GOVERNING LAWS.

      This Plan and all rights  hereunder  shall be construed in accordance with
and governed by the laws of the State of Connecticut and applicable federal law.
This  Plan is  intended  to permit  the grant of  Options  and the  issuance  of
Compensation  Stock to qualify for the exemption from the application of Section
16 of the  Exchange  Act  provided by Rule 16b-3 under the  Exchange Act and any
further  Committee or Board action to promote this result in a manner consistent
with this  section is  authorized.  To the extent any  provision of this Plan is
determined  not to comply  with the  requirements  of Rule 16b-3 so as to exempt
these grants, it shall be deemed inoperative to the extent of such noncompliance
and shall not affect the  validity  of the balance of this Plan.  The  Committee
shall take or recommend the taking of  appropriate  action to amend this Plan to
preserve  the  intent  of the  non-complying  provision  in a  manner  in  which
compliance  is obtained.  In the event the relevant  provisions of Rule 16b-3 on
which the exemption of grants under this Plan are based are revised or replaced,
the  Committee  may exercise  discretion  to modify or  recommend  the taking of
appropriate  action to modify this Plan in any respect  necessary to satisfy the
requirements of the revised  provisions or their  replacement for the benefit of
any  employee of the Bank and for the benefit of the  Non-employee  Directors of
the Bank,  subject in the latter event only, to the approval of the shareholders
of the Bank if such  approval is required or advisable as a matter of law. It is
to be recognized by all Grantees and recipients of  Compensation  Stock that the
Rule 16b-3  exemption  relied upon by this Plan does not pertain to the exercise
of any Option or to the  disposition of any  Compensation  Stock or Common Stock
obtained upon Option exercise

      A  primary  intent  of this  Plan is to  permit  the  Committee  to  award
Incentive  Stock Options to employees of the Bank under Code Section 422. To the
extent that any provision of this Plan is determined  not to permit the grant of
Incentive Stock Options, it shall be promptly amended, to permit such awards, by
the Committee or the Board, and if necessary, recommended to the shareholders of
the Bank for ratification.

22.   NON-EXCLUSIVITY OF THE PLAN.

      Neither the adoption of this Plan nor the  submission  of this Plan to the
shareholders  of the Bank  for  approval  shall be  construed  as  creating  any
limitation  upon the  right  and  authority  of the  Board to adopt  such  other
incentive compensation arrangements (which may be applicable either generally to
a class or classes of individuals or specifically to a particular individual or

                                       14
<PAGE>

individuals)  as the Board in its discretion  determines  desirable,  including,
without  limitation,  the granting of stock  options  otherwise  than under this
Plan.

23.   COMPENSATION STOCK

      (a) Compensation Stock may be paid under this Plan to any employees of the
Bank as determined from time to time by the Committee.  Compensation  Stock does
not have to be paid in any year to any one or more employees. Compensation Stock
paid to an employee may vary from year to year.  Compensation  Stock paid in any
year may vary from employee to employee.

      (b)  The  Bank  shall  withhold  all  necessary  income  and  other  taxes
associated with Compensation Stock from the recipient's cash compensation in the
year  of  receipt  of the  Compensation  Stock  in such  manner,  in one or more
installments  and  in  such  variations  from  recipient  to  recipient,  as the
Committee shall determine from time to time.

      (c)  An  employee  of  the  Bank  shall  have  no  discretion  to  request
Compensation Stock or to refuse Compensation Stock in favor of receipt of cash.

      (d) An employee of the Bank may refuse  Compensation  Stock and suffer the
resulting  loss of  compensation.  An  employee  will be deemed to have  refused
Compensation Stock:

            (i) if the employee fails to cooperate with the Bank with respect to
required  tax  withholding  for  the  Compensation  Stock  from  the  employee's
cash-based compensation;

            (ii) if the employee  fails to sign a Joinder  Agreement to become a
party to the Stockholders Agreement referenced in Section 11; or

            (iii)  if the  employee  fails to  execute  any  Compensation  Stock
vesting agreement required by the Committee.

      (e) The value of compensation paid by the Bank and received by an employee
shall for all  purposes  be deemed to be equal to the fair  market  value of the
Common Stock at the time of its issuance as compensation.  The  determination of
the fair market value of Compensation Stock at time of issuance shall be made in
good faith by the Committee by whatever  means it  determines to be  reasonable,
which may change from time to time. The decision of the Committee as to the fair
market value of  Compensation  Stock at the time of issuance  shall be final and
binding on all concerned  parties,  so long as all Compensation  Stock issued at
the same time is similarly  valued and the Committee  acts in good faith without
manifest error.

      (f) Within the general  parameters of the Plan,  the Committee  shall have
unfettered  latitude to establish,  amend and repeal policies or procedures with
respect to the use of  Compensation  Stock by the Bank and/or to handle issuance
of Compensation Stock on a case by case basis.

      (g) The Bank will not be obligated to issue  Compensation Stock if counsel
to the Bank  determines  that such  issuance or payment would violate any law or
regulation of any governmental  authority or any agreement  between the Bank and
any  national  securities  exchange or  quotations  system upon which the Common
stock, or other security which may come to be

                                       15
<PAGE>

covered hereby,  may be listed.  In connection with any issuance or Compensation
Stock,  the employee  acquiring the shares shall, if requested by the Bank, give
assurances  satisfactory  to counsel to the Bank  regarding  such matters as the
Bank may deem  desirable  to  assure  compliance  with  all  legal  requirements
including,  without limitation,  access to financial and other information about
the Bank's activities,  restrictions on transfer, and the financial standing and
sophistication of the recipient. The Bank shall in no event be obligated to take
any action in order to permit  Compensation Stock to be issued. The Committee is
changed with  responsibility for policing the legal compliance  required by this
provision.

      This Plan was duty  adopted and  approved by the Board of Directors of the
Bank by  resolution  adopted  at a  meeting  of the  Board  on the  17th  day of
November, 1999.

      This Plan was duly approved by the  shareholders  of the Bank at a meeting
of the shareholders held on the 23rd day of August, 2000.

                                          __________________________________
                                          Corporate Secretary

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