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This Agreement represents the entire agreement between you and us regarding the use of this ROAR Application and supersedes all prior or concurrent agreements and understandings between you and us regarding its subject matter. These Terms of Use (this “Agreement”) are a legally valid agreement between you and ROAR (“ROAR”, “we”, “us”, “us”) with respect to the ROAR Application (the “ROAR” Application) from which you downloaded: Please note that it is the Member`s responsibility to ensure that such agreements meet regulatory requirements and that the Company should, if necessary, seek independent professional legal advice. We may have to change this agreement from time to time. In most cases, these changes are motivated by legislative changes, to meet regulatory requirements or to reflect new sectoral guidance and codes of conduct. The terms majeescrits used in this modification, but which are not defined, have the meaning given to them in the CONTRACT of sale AR. For the sake of simplicity, section transcripts of this Agreement shall have no legal or contractual effect. If, at any time or for any reason, the total amount of obligations that the borrower owes to the bank under this agreement, the EXIM agreement and the A/R sales contract exceeds twenty million dollars (20,000,000.00 USD), the borrower immediately pays the bank the amount of this excess in cash. . . .