This Agreement shall constitute the final agreement of the Parties. This is the complete and exclusive expression of the agreement concluded by the parties on the subject matter of this agreement. Any prior and simultaneous communication, negotiation and arrangement between the Parties concerning the subject matter of this Agreement shall be expressly merged and replaced by this Agreement. The provisions of this Agreement may not be explained, supplemented or limited by proof of the use or previous development of transactions. Neither party has been induced to enter into this agreement by any representation, assurance, warranty or agreement of the other party, and neither party relies on this agreement, except as expressly set forth in this agreement. Except as expressly provided in this Agreement, there are no conditions precedent for the effectiveness of this Agreement. If, for any reason, one or more of the provisions contained in this Agreement are held to be invalid, illegal or, in any way, unenforceable, such invalidity, illegality or non-application shall not affect other provisions of this Agreement, but this Agreement shall be construed as if there had never been such invalid provisions, illegal or unenforceable, unless the deletion of these provisions would entail such a substantial modification which would have the effect of rendering unreasonable the conclusion of the transactions provided for in this Agreement. FULL INTEGRATION. This Debt Settlement Agreement supersedes all prior agreements, understandings or negotiations, whether written or oral. If you plan to borrow or borrow money for personal, commercial or real estate purposes, you should know the difference between unsecured notes and guaranteed notes. . .

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