As of the Effective Date, this Agreement constitutes the final, complete and exclusive agreement between Mr. Schultz and the Bank with respect to the subject matter hereof and replaces and supersedes any and all other agreements, offers or promises, whether oral or written, made to Mr. Schultz by the Bank. Nobody at the Bank has been authorized to enter into any other agreement with Mr. Schultz or make any promises or representations to him with respect to retention pay that are not a part of this Agreement.