This agreement and the other Loan Documents, individually and collectively: (1)  represent the sum of the understandings and agreements between Lender and Borrower concerning this credit; (2)  replace any prior oral or written agreements between Lender and Borrower concerning this credit; and (3) are intended by Lender and Borrower as the final, complete and exclusive statement of the terms agreed to by them. In the event of any conflict between this agreement and any other agreements required by this agreement, this agreement will prevail.