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release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially effected his settlement with the debtor. " Santa Ana Initials: Irvine initials: Pa 7. Integration. This Agreement represents the entire understanding of the Parties hereto. No prior or contemporaneous oral or written understanding shall be of any force or effect with respect to those matters covered in this Agreement. This Agreement may not be altered, amended, or modified except by mutual consent of the Parties hereto through a written instrument. 8. California Law. This Agreement shall be construed and interpreted both as to its validity and as to the performance of the Parties in accordance with the laws of the State of California. 9. Execution and Counterparts. This Agreement may be executed and delivered in any number of counterparts or copies ("Counterpart') by the Parties hereto. 10. Authority to Execute. Each person executing this Agreement on behalf of a Party -hereto warrant that he or she is duly authorized to execute this Agreement on behalf of said Party and that by so executing this Agreement, each Party formally binds itself to the provisions of this Agreement. Each person executing this Agreement further acknowledges that he or she has obtained all necessary and legally required approvals for entry into this Agreement from legislative or governing boards and that such legislative or governing board has adopted a resolution, motion, ordinance or other action pursuant to State law and its own bylaws or ordinances for approval of this Agreement. 11. Notices. Every notice, demand, request, annual report, or other document or instrument delivered pursuant to this Agreement shall be in writing and shall either be personally delivered, sent by Federal Express or other reputable over- night courier, sent by facsimile transmission with the original subsequently