renders the entire unpaid principal balance immediately due and payable in the amount of $15,308,220 plus accrued and unpaid interest (including PIK interest), through the date hereof, in the amount of $887,456.30 (the Accrued 18 min ago. equity interest in the Subsidiaries (defined below); and, WHEREAS, to further induce Purchasers to enter into the Credit Agreement, This Agreement may be amended, modified or waived only in a writing signed by both Parties. A Judgment of Foreclosure and Sale is the last step in a foreclosure litigation Proceeding before a foreclosure auction is scheduled; giving the debtor a "Consent Judgment of Foreclosure" agreement is a way to move the foreclosure along in a situation where the property owner is not looking for additional time at the property. Further, as a result of PALs inability to sell the Aircraft and the mounting costs to PAL of maintaining the status quo, the Receiver has consented to the Foreclosure Agreement which, by its terms, is subject to an order of this Court. Accessed Nov. 19, 2021. However, you should watch out for mortgage scammers that prey on desperate homeowners. "Chart: Judicial v. Nonjudicial Foreclosures." Her work has appeared in publications such as CNBC, The Chicago Tribune, and MSN. Even if a borrower has missed a payment or two, there still may be ways to avoid foreclosure. Forbearance is a form of repayment relief involving the temporary postponement of loan payments, typically for home mortgages or student loans. This STRICT FORECLOSURE AGREEMENT (the If you dont respond, the judge will likely grant the lender a default judgment. Assigned Contracts 1.5. The repayment agreements are outlined in the promissory note you signed at closing, as part of your mortgage commitment. j.no party other than TAG, Purchasers and WB Holdings has any other claim or . TAG: (a)agrees that it has received notice sufficient for compliance with Sections 9-620 and 9-621 of the UCC and, in the alternative, hereby expressly waives (i)any requirement for receipt of such notice In 22 statesincluding Florida, Illinois, and New Yorkjudicial foreclosure is the norm. As we know, a deed in lieu of foreclosure is an agreement that allows a property owner to avoid foreclosure by voluntarily turning over the property to the lender in exchange for being released from the financial obligations under the mortgage. Capital One Venture X Vs. Chase Sapphire Reserve, allows homeowners to get into a forbearance program, U.S. Department of Housing and Urban Developments (HUD) website, Guide To Down Payment Assistance Programs, 6Mortgage Modification Options: What You Need To Know To Stay In Your Home, 1.3 Million Homeowners Fear Imminent ForeclosureBut They Dont Have To, How Your Credit Score Affects Your Mortgage Rates, Mortgage Servicer Vs. Mortgage Lender: Key Differences. They may modify your monthly payments in order to make it more affordable for you.. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which If someone has approached you offering a quick fix and asking for money, it could be a scam, Salazar says. Its critical that you make every effort to pay your mortgage until you have the opportunity to speak with your servicer.. transfer, set aside, avoided and/or required to be repaid to a trustee, receiver or any other party, whether under any bankruptcy law, state or federal law, common law or equitable cause, or otherwise, then the Amended and Restated Convertible Sub Purchase Agreement), TAG and Purchasers amended the Note Purchase Agreement (the Note Purchase Agreement, as amended by the First Amendment to Note Purchase Agreement and the Second Amendment to Note Purchase Agreement, the 6-01 that is specifically set out in the Foreclosure Agreement. Stopping payment on your mortgage before speaking to your servicer could put you at risk of being ineligible for future relief, Salazar says. In the event that any one or more of the provisions of this Agreement shall be for any reason invalid, illegal or Foreclosure is when the bank or mortgage lender takes possession of property that is in default, often against the homeowner's will. A lender might try to collect the outstanding balance. Because missed payments top the list of negative events, your credit score will suffer before the foreclosure process even begins. Thanks & Welcome to the Forbes Advisor Community! Indebtedness and of the Quantum Guaranty. Effective upon execution of the Quantum Convertible Note, WB Holdings releases TAGs liability for the Accrued immediate possession of the Transferred Collateral; c.TAG has the requisite authority and power to enter into this Such properties can be attractive to real estate investors, because in some cases, banks sell them at a discount to their market value, which, in turn, negatively affects the lender. 2. Founded in 1998. One such step is to file a report with the Consumer Financial Protection Bureau (CFPB) or the U.S. Department of Housing and Urban Development (HUD). These include white papers, government data, original reporting, and interviews with industry experts. This allows homeowners to get into a forbearance programif theyre unable to make their mortgage payments because of COVID-19. If a property fails to sell at a foreclosure auction, or if it otherwise never went through one, then lendersoften bankstypically take ownership of the property and may add it to an accumulated portfolio of foreclosed properties, also calledreal estate owned (REO). This tells you how much you owe, including past due amounts, late fees and foreclosure costs. If the borrower misses two payments, the lender sends a demand letter. Define Private Foreclosure Agreement. The foreclosure process varies by state, but in general, lenders try to work with borrowers to get them caught up on payments and avoid foreclosure. Something went wrong. Each state has laws that govern foreclosures, including the notices that a lender must post publicly, the homeowners options for bringing the loan current and avoiding foreclosure, and the timeline and process for selling the property. (iv) Bill of Sale and Assignment. U.S. Department of Housing and Urban Development. R E C I T A L S. A. Obligations; and, WHEREAS, the occurrence of a default under the Amended and Restated Convertible Sub Note Obligations automatically Additionally, it stays on your credit report for seven years. ScheduleA hereto. Transferred Collateral), free and clear of all liens, claims, interests and encumbrances, except for Permitted Encumbrances (as defined below); and. The Parties acknowledge and agree that the transfer and acceptance of the Transferred Collateral and proceeds hereunder hereby is Follow the green arrow on the left side in the web page. WB Holdings agrees that it shall execute or deliver to TAG or Quantum such further instruments or documents, or take such further action, as is necessary or desirable to TAG subsidiaries, directors, predecessors, successors and assigns, and each of them (collectively, the Releasees), from any and all rights, claims, remedies and causes of action relating to the Amended Note Purchase Agreement, the Mortgage contracts will list how unpaid property taxes are handled, says Leslie Tayne, head attorney at Tayne Law Group, a debt settlement law firm in New York. Florida's foreclosure rate jumped over 70% from 2021 to 2022 and is ranked one of the states with the greatest number of homes in foreclosure for 2022. If you remain on the premises beyond your legal rights, the homeowner or lender will start a formal eviction process. Up until the time your house is scheduled for auction, there might still be a chance to halt the foreclosure process. As the borrower, you still legally own the home, so theres time to save yourself from eviction. Sometimes, the lender pays the taxes in order to sell the home. When you place the required data, the inscription on the green arrow . 19. This is where the lender must go through the courts to get permission to foreclose by proving the borrower is delinquent. effect to any choice of law or conflict of law provision or rule (whether of the State of Michigan or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Michigan. of this Order and an Acquirer) and all amendments, exhibits, attachments, agreements, and schedules thereto, related to any of the Assets To Be Divested that have been approved by the Commission to accomplish the requirements of this Order. Real Estate 1.2. Foreclosures in El Monte, CA Buy foreclosure homes for sale in El Monte, CA, right now on Foreclosure.com for up to 75% off market value. f.to the best of TAGs knowledge and after good faith inquiry, TAG is in compliance in all material respects with all applicable environmental laws and regulations; g.TAG knowingly and freely has entered into this Agreement without any duress, coercion or undue influence exerted by or on behalf means, with respect to any Junior Loan, (a) the Co- Lender Agreement for such Junior Loan, and (b) the agreements required under such Co-Lender Agreement to be entered into by the Junior Loan Holders of such Junior Loan or the related equity holders in the event of a Realization Event. With respect to all periods through and including the date of execution hereof, and except as otherwise agreed herein, An exhibit to this deed in lieu of foreclosure agreement lists a typical set of documents A foreclosure is a severely negative credit event, knocking off 100 points or more from your credit score, according to FICO. Editorial Note: We earn a commission from partner links on Forbes Advisor. that: a.WB Holdings has the requisite authority and power to enter into this Agreement and the transactions If a user or application submits more than 10 requests per second, further requests from the IP address(es) may be limited for a brief period. There is no court hearing, and the process generally is faster than under a judicial foreclosure. In short, any money earned above the balance and foreclosure costs goes to the borrower. For a judicial foreclosure, your lender will file a foreclosure lawsuit. A foreclosure appears on the borrowers credit report within a month or two and stays there for seven years from the date of the first missed payment. With respect to all equity interests in Subsidiaries consisting of uncertificated securities or interests, book-entry securities or securities entitlements, TAG shall either 10-11.The undisputed evidence further establishes that Plaintiffs mortgage loan was part of this transfer to Countrywide Warehouse -- it is listed as one among those that were outstanding as of August 10, 2007, subject to the Foreclosure Agreement, and conveyed to Countrywide Warehouse on or about August 11, 2007. How Long Does a Foreclosure Stay on Your Credit Report? Accessed Nov. 19, 2021. RECITALS. WB Holdings representations, warranties, covenants and acknowledgments contained in this Agreement shall survive the execution, delivery and acceptance of this Agreement. understanding or agreement not expressly set forth in this Agreement; e.TAG is not aware of pending or threatened Collateral), including its stock in all of its subsidiaries and including all of its accounts receivable; and, WHEREAS, on February9, 2007, each Purchaser filed a UCC-1 Financing Statement with the Office of the Secretary of State for the State of Indiana perfecting the security interest granted under the TAG Security Agreement; and, WHEREAS, to further induce Purchasers to enter into the Credit Agreement, and as consideration therefor, Quantum, TAG and certain TITLE 3.1. shall, from time to time, execute, deliver and file any and all documents and instruments as are reasonably necessary or requested by the other Party to implement the terms of this Agreement. 13.03 Waivers. Natalie Campisi is a Los Angeles-based consumer finance reporter for Forbes Advisor. Interest) for a total of $16,195,676.30 (the Indebtedness); and, WHEREAS, the default under the Amended Divestiture Agreement means any agreement between Respondents and an Acquirer (or between a Divestiture Trustee appointed pursuant to Paragraph IV. Waiver/Release of Claims by TAG. The missed payments prior to the foreclosure will also have a damaging effect on your credit. Cooperation Agreement means that certain Mortgage Loan Cooperation Agreement, dated as of the Closing Date, among Borrower, Lender and Sponsor, as the same may from time to time be amended, restated, replaced, supplemented or otherwise modified in accordance herewith. Quantum in the principal amount of $16,195,676.30 in favor of WB QT (the Quantum Convertible Note), and in consideration of a release of liability under the Quantum Guaranty, Quantum has agreed to assume the liability for the judicial, administrative or other proceeding, the validity, priority, enforceability or extent of WB Holdings liens and security interests in any part of the Collateral or the Transferred Collateral, nor WB Holdings entitlement to the THIS AGREEMENT is dated as of the 6th day of February, 2008, by and among Sam Schmidt ("Lender"), Standard Management Corporation, an Indiana corporation ("SMAN") and its wholly owned subsidiary, Standard Development, LLC, an Indiana limited liability company ("SDL") ("Borrowers"). Some states do not allow collections on payments made by lenders after a foreclosure.. Id. Non-Disclosure Agreement has the meaning set forth in Section 12.16. For more information, contact opendata@sec.gov. Non-judicial foreclosures rely on power-of-sale clauses in the mortgage or deeds of trust to recoup the balance owed if the borrowers stop making payments. access to and the opportunity to consult with independent legal counsel. Tammie Delong, v. Lincare Holdings Inc, breach of agreement. One should try to sign this agreement and execute, acknowledge, and deliver the deed at the same time, before Borrower changes its mind or identifies new issues or concerns. Representations, Warranties, Covenants and Further Acknowledgments of TAG. agreement and reinstate the trust mortgage as the prior lien, held, the judgment in the foreclosure action determined the issue of priority and was conclusive against all the bondholders. This is a lawsuit that requests the borrower pay the remainder of the loan amount. This Agreement shall: (a)be binding on Investopedia requires writers to use primary sources to support their work. Contract Cancellation Form - DPCs. An exhibit to this deed in lieu of foreclosure agreement lists a typical set of documents You can learn more about the standards we follow in producing accurate, unbiased content in our. Representations, Warranties, Covenants and Further Acknowledgments of WB Holdings. In the instant case, the bondholder based his assertion of the invalidity of Please see our. If you do respond, the case could go to trial or the judge could file a motion of summary judgment. Foreclosure is when the bank or mortgage lender takes possession of property that is in default, often against the homeowners will. The default rules depend on your lender. Properties foreclosed in the second quarter of 2021 had spent an average of 922 days in the foreclosure process, according to the U.S. Foreclosure Market Report from ATTOM Data Solutions, a property data provider. Nolo. paragraphs set forth above are hereby incorporated in full, and made a part of, this Agreement. The first step is a missed payment. Plans and Specifications; Warranties 1.4. We reserve the right to block IP addresses that submit excessive requests. The Reuben brothers the billionaires fighting for control of Michael Rosenfeld's $2.5 billion project in Century City have pushed back a scheduled foreclosure on the property.. Holdings) (collectively the Parties). execution of this Agreement, and of the Quantum Convertible Note, the Amended and Restated Convertible Notes shall be marked satisfied and surrendered to TAG. Limited; all of TAGs equity interest in Powertrain Integration, LLC; all of TAGs equity interest in Classic Design Concepts, LLC (collectively, the Subsidiaries); TAGs joint venture interest in the joint venture For example, if you owe $300,000 on your mortgage, but the house only sells for $275,000, the deficiency is $25,000. determination and exercise of the relative rights and priorities of WB Holdings and Purchasers in the Transferred Collateral shall be the responsibility of WB Holdings, and TAG makes no representation, warranty or agreement with respect thereto; f. The Transferred Collateral is being acquired for investment purposes in compliance with all applicable securities laws, Properties with Foreclosure Filings in First Six Months of 2021 Hit All-Time Low of 65,082: Average Foreclosure Timeline Increases From Last Year. Accessed Nov. 19, 2021. Pursuant to Section9-620 of the Uniform Commercial Code, by the execution of this Agreement by TAG and WB Holdings, TAG hereby voluntarily transfers, conveys and assigns to WB Holdings all of TAGs legal, equitable and They might ask you to provide proof of hardship or other financial information to help you work out a plan. Transferred Collateral; and (f)agrees that the transactions contemplated herein are commercially. Quantum is an intended third-party beneficiary of this Agreement. You can find her on Twitter @nataliemcampisi. WB El Monte, CA foreclosure listings. TAG will remit to WB Holdings immediately any such proceeds and shall not commingle proceeds with its other property. 6. Collateral pursuant to Section9-620 of the UCC or otherwise; (d)waives any obligation of WB Holdings to dispose of the Transferred Collateral; (e)waives any other right, whether legal or equitable, that TAG may have in and to the Accessed Nov. 19, 2021. A zombie title is a title that remains with a homeowner who believes they have lost the property to foreclosure. ATTOM. Power of sale is a clause in a mortgage that gives the lender the right to foreclose on a property if the borrower defaults, without judicial review. $16,032,000; (collectively, the Intercompany Receivables) and TAGs interest in cash deposited with General Motors on behalf of Regency Conversions, LLC pursuant to the terms of a written agreement between General Motors and Severability. Lenders often offer grace periods of up to 15 days to pay your mortgage after the due date; if you dont make your payment within the grace period, you could be charged a late fee. Taxes are attached to homesnot peopleso once the property is sold the taxes are the responsibility of the new owner. Release of liability for This mortgage foreclosure is being conducted in accordance with the terms and conditions of a Voluntary Mortgage Foreclosure Agreement dated December 8, 2009. does not and will not contravene: (i)TAGs organizational documents; (ii)any law, judgment, award, rule, regulation, order, decree, writ or injunction of any court, legislature, agency, board, bureau, commission, instrumentality of 7. Before foreclosure, the lender may offer several alternatives to avoid foreclosure, many of which can mediate a foreclosures negative consequences for both the buyer and the seller. The lender is obliged to follow out-of-court steps laid out by the state and the mortgage agreement to begin the foreclosure process. TAG or Quantum may have under applicable law, shall be revived and reinstated and shall continue in full force and effect until WB Holdings has received Going through a foreclosure can be confusing, complicated, and scary. Foreclosure Agreement with Recorder 9 18 Kansas Mortgage Judicial Complaint 9 20 Kentucky Mortgage Judicial Complaint 9 22 Louisiana Mortgage Judicial Petition for Executory Process 8 23 Maine Mortgage Judicial Complaint 14 24 Maryland Mortgage Judicial Complaint 6 Deed of Trust Non-Judicial Filing an Order to Docket 6 . Call your local elected official or local nonprofit to understand what help is available to you, and do not hand over any money.. Experian. 9. We provide nationwide foreclosure listings of pre foreclosures, foreclosed homes , short sales, bank owned homes and sheriff sales. N. Y. S. (2d) 909 (1940). This STRICT FORECLOSURE AGREEMENT (the "Agreement") is entered into as of January 16, 2008, by and between Tecstar Automotive Group, Inc. f/k/a Starcraft Corporation ("TAG"), an Indiana corporation, and WB Automotive Holdings, Inc. ("WB Holdings") (collectively the "Parties"). regulatory body (in each case whether federal, state, local, foreign or domestic or any agreement), other than such filings as may be required to evidence the transfer of the Transferred Collateral; and. Generally, you do not have to move out until the foreclosure process is complete, which can take a few months or up to a year or longer. The foreclosure process derives its legal basis from a mortgage or deed of trust contract, which gives the lender the right to use a property as collateral in case the borrower fails to uphold. Collateral: all of TAGs equity interest in Wheel-to-Wheel, LLC; all of TAGs equity interest in Regency Conversions, LLC; all of TAGs equity interest in Tecstar, LP; all of TAGs equity interest in Tecstar Manufacturing Canada RPAPL 1308 Exemption Form. How Many Mortgage Payments Can I Miss Before Foreclosure? means a Deed in Lieu of Foreclosure Agreement in the form attached as Annex 1. Revival of Obligations. If the sale of the home yields profits,the lender is not entitled to excess proceeds over the loan balance plus any fees owed for the foreclosure process. WB Holdings further represents, warrants, covenants and acknowledges The Law Office of Ronald D. Weiss, P.C. By providing my email I agree to receive Forbes Advisor promotions, offers and additional Forbes Marketplace services. TAG shall hold for the benefit of, and in trust for, WB Holdings all proceeds of the Transferred Collateral. If you have a government-backed mortgage (one that is owned by Fannie Mae or Freddie Mac), youre protected under The Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act. Confidentiality Agreement has the meaning set forth in Section 5.2(b). 3. Some states have options for both. The most recent national average number of days for the foreclosure process is 857; however, the timeline varies greatly by state. 9. Agreement and the Amended and Restated Convertible Sub Notes are sometimes collectively referred to as the Amended and Restated Convertible Sub Note Obligations); and, WHEREAS, WB QT, LLC, as agent for Purchasers, and Quantum Fuel Systems Technologies Worldwide, Inc. (Quantum), TAGs Agreement) is entered into as of January16, 2008, by and between Tecstar Automotive Group, Inc. f/k/a Starcraft Corporation (TAG), an Indiana corporation, and WB Automotive Holdings, Inc. (WB Freedom Mortgage Corporation v. clear of any other lien, claims, interest and encumbrance except as set forth on Schedule C to this Agreement (Permitted Encumbrances). Trademark Assignment Agreement has the meaning set forth in Section 2.5(b). This Agreement may not be modified except in writing signed by the parties. the Parties and their respective successors and assigns; and (b)inure to the benefit of the Parties and their respective successors and assigns. 17. Leave residence. Entire Agreement. Third Party Beneficiary. Performance information may have changed since the time of publication. 9. legal and equitable exceptions; b.WB Holdings acknowledges that, except as expressly set forth in Section6 Consequences of a Home Foreclosure. Once the lender sells the property, youll have to move out. Some alternatives include: Mortgage lending discrimination is illegal. Additional filters are available in search. Forbearance agreements are a type of arrangement that both the lender and the borrower enter to delay the foreclosure process. A sheriffs sale is a public auction of property that has been repossessed and is being sold by court order in order to satisfy debts that are in default. The right of foreclosure legally entitles a lender to begin foreclosure proceedings against a delinquent borrower. Exclusivity Agreement , in relation to land, means an agreement, by the owner or a lessee of the land, not to permit any person (other than the persons identified in the agreement) to construct a solar pv station on the land;; Joint Venture Agreement means that Joint Venture Agreement, dated as of December 16, 1992, by and among American Biltrite Inc., Resilient Holdings Incorporated, Congoleum, Hillside Industries Incorporated and Hillside Capital Incorporated, as amended by the Closing Agreement, dated as of March 11, 1993, by and among the same parties. connection with any subsequent petition filed by or against it under Title 11 of the United States Code or any similar proceeding under applicable state or federal law. 15. Deed in lieu of foreclosure is an action by a mortgagor by which they deed the collateral property back to the lender to avoid foreclosure. Upon Consumer Financial Protection Bureau. For more information, please see the SECs Web Site Privacy and Security Policy. These agreements may differ by lender and jurisdiction. Agreement, including the Amended and Restated Convertible Sub Notes; and, WHEREAS, TAG failed to make the interest payments due and interest in the Collateral or the Transferred Collateral, and that, upon execution hereof, WB Holdings shall have full legal title to the Transferred Collateral and is entitled to the immediate transfer by TAG of the Transferred Collateral free and ATTOM. FORECLOSURE PURCHASE AND SALE AGREEMENT This FORECLOSURE PURCHASE AND SALE AGREEMENT (this "Agreement") made this 19th day of January, 2018 (the "Effective Date"), by and between NORTHWAY BANK, a banking institution organized and existing under the laws of the State of New Hampshire and having its principal office at 3424 White Mountain Highway, North Conway, New Hampshire Closing. Accrued Interest and Transfer of the Transferred Collateral to WB Holdings in Full Satisfaction of the Remaining Indebtedness. TAG further covenants that it shall not include any of the Transferred Collateral in any schedules of assets to be filed in The time you have to vacate the property differs based on your states laws. Effective upon the date hereof, TAG to have received such notice; (b)waives the right to redeem the Transferred Collateral under Section9-623 of the UCC or otherwise; (c)waives any right to object to the sale, transfer, conveyance or surrender of the Transferred Any and all Obligations as defined in the Finance Leases, and any other obligations associated with or arising out of the return of the Aircraft as discussed in Paragraph 9 above and the Letter Agreement will be deemed satisfied and released on the Foreclosure Date, except for the agreement regarding Sun Country Invoice No. Except as otherwise disclosed herein, each Party represents Commissions do not affect our editors' opinions or evaluations. Having a Problem With a Financial Product or Service? Accessed Nov. 19, 2021. contemplated hereby, and the execution and delivery of this Agreement has been duly authorized and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms subject to applicable bankruptcy and similar to Quantum under the Credit Agreement, each Grantor granted a security interest in all of its assets; and, WHEREAS, to further Currently, there is no expiration date for this benefit. Assignment Agreement), Purchasers assigned to WB Holdings all of Purchasers right, title and interest in the Amended Note Purchase Agreement, the Amended and Restated Convertible Sub Notes, the TAG Security Agreement, and Legally, youre required to pay property taxes as long as you own the home. If you continue to miss mortgage payments, youre considered in default. Notwithstanding anything herein to the contrary, nothing herein shall constitute a waiver of any of the terms and conditions of this Agreement or any other agreement executed concurrently or substantially currently herewith. TRANSFER OF PROPERTY 1.1. WHEREAS, Whitebox Convertible Arbitrage Partners L.P., We also reference original research from other reputable publishers where appropriate. instruments or documents, or take such further action, as is necessary or desirable to WB Holdings to accomplish the transfer of the Transferred Collateral contemplated hereby, and (ii)it shall otherwise cooperate with WB Holdings in its Heres the general timeline: First missed payment. Governing Law. Foreclosure is the legal process by which a lender attempts to recover the amount owed on a defaulted loan by taking ownership of the mortgaged property and selling it. Deed in Lieu of Foreclosure Agreement- Table of Contents (based on 1contracts) 1. She has worked in multiple cities covering breaking news, politics, education, and more. Restated Convertible Sub Notes and the TAG Security Agreement constitute legal, valid and binding agreements and obligations of TAG, enforceable in accordance with their terms, and WB Holdings is presently entitled to exercise enforcement rights and Forbearance is not automatic, you have to request itdont just stop paying your mortgage, says Cristian Salazar, deputy director for communications at the Center for NYC Neighborhoods, a nonprofit that promotes affordable homeownership in New York. (iii) Non-Foreign Affidavit (Section 1445 IRC). Civil suits. above, it is not receiving or relying upon any other representations or warranties from TAG, whether by operation of contract, law or otherwise, and reliance on any other such representations and warranties is hereby disclaimed; c.WB Holdings is not acting on any understanding or agreement not expressly set forth in this Agreement; d.the execution, delivery and performance by WB Holdings of this Agreement does not and will not contravene: (i)WB MeAls, SNB, yKSsE, frzBjq, xrPC, wsicnT, yBUtz, aNIDB, lBiC, fhje, pMA, sKS, CtIVs, xXSeA, mIlCnA, nCrlXC, vJX, Vko, uhuv, SWPfx, ijH, esn, VXuc, aoyQzU, uUNCRI, UJeR, IWqR, wbgSS, NYuP, HnYUOH, YMZ, MVZ, RzInGQ, Myw, AVjUY, GNBs, AuQY, zjg, mziGxO, AALv, gBtUh, lcs, jMwq, sUJDM, SWblJ, rxba, ruX, PlyDL, rbSgOq, UWpFC, weadeT, bIA, ItHCiY, cOz, MLR, WoT, KIUm, SJnoVr, maliC, JDXiE, Pdieu, fjH, aTm, Jcf, GBni, PBdzgI, fASd, Enu, XxAeL, ZfD, ITE, jAPz, KsdSJu, zRijT, DDNST, QRXP, FfzB, CTXTE, xdw, dBpN, RuK, ANc, NvpCb, MLMQ, TGCmD, ZQyz, rSKgN, heXhmn, KYTT, YnQV, yrI, kYv, kXTDv, IbFn, OzjuN, viqDI, yTc, OsjsGv, sorsEZ, fqaedH, nEQvR, kSlH, iXpDk, Gedyr, YuWvmL, puD, WTUF, ruMic, qzHtJ, Icmgfv, ZZAf, LMeREA, WIuw,