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<br />----------l <br /> <br />I <br /> <br />23. Final Agreement and Amendments to Agreement <br /> <br />23.1 This Agreement, along with the related Application and the NACHA and <br />Visa Rules, is the entire Agreement between the parties on the subject <br />matter contained within and supersedes all prior or contemporaneous <br />negotiations, stipulations or agreements. If any provision of this <br />Agreement is invalid or unenforceable, the other provisions remain <br />effective. Paragraphs related to Reversed POS Transactions, Fees, Deposit <br />Account, Indemnification, Limitation of Liability, Arbitration, Equipment, <br />Confidential Information, Reserve Account and General Provisions will <br />survive termination of this Agreement. <br /> <br />23.2 We may amend this Agreement at any time by providing written notice to <br />you at least 15 calendar days before the effective date of the amendment. <br />The amendment becomes effective unless we receive your written notice <br />of termination of this Agreement before the effective date of the <br />amendment. This Agreement is subject to amendment by us upon less than <br />15 calendar days' prior written notice to you if immediate modification is <br />reasonably determined by us to be required by any NACHA or Visa Rule <br />or provisions of law. <br /> <br />I <br /> <br />24. Indemnity/Force Majeure <br /> <br />24.1 You will indemnify us against all liability, claims, demands, damages and <br />costs (including fmes or assessments by Card Organization) attributable to <br />any breach of this Agreement by you, or your violation of NACHA or <br />Visa Rules. We will indemnify you against all liability, claims, demands, <br />damages and costs attributable to any breach of this Agreement by us or <br />our violation of NACHA or Visa Rules, as limited by Section 22. We will <br />pay any fines or assessments by Card Organization attributable to our <br />violation ofNACHA or Visa Rules. <br /> <br />24.2 Performance under this Agreement may be delayed to the extent necessary <br />due to a cause beyond a party's reasonable control, for example, war, <br />floods, civil disturbance, disruptions to communications facilities or acts <br />of unaffiliated third parties, provided that the party claiming excuse from <br />performance informs the other party as quickly as possible and uses <br />reasonable efforts under the circumstances to correct the deficiency. <br /> <br />20 <br /> <br />~,'I" <br />~~1F~; <br />