This Agreement and each other Facility Document (other than the EverBank Warehouse Customer Guide) may only be amended by a written instrument signed by Buyer and Seller. The EverBank Warehouse Customer Guide may be amended from time to time without consent or assent by Seller and such amendments shall be effective immediately upon notice to Seller of the change (whether that notice is sent individually or posted to EverBank Warehouse Electronic System) and Mortgage Loans sold to Buyer after the effective date of any such amendment shall be governed by the revised EverBank Warehouse Customer Guide; provided that amendments shall only apply to Transactions following the date of such notice of amendment and Seller shall have a commercially reasonable time to implement changes required by any such amendments unless such amendment is required by a Governmental Authority and such Governmental Authority mandates immediate implementation.