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By signing this agreement, you hereby certify that you (a) have received a copy of this agreement to review and study before signing it; (b) have read this agreement carefully before signing it; (c) have had sufficient opportunity before signing it to ask any questions about it and have received satisfactory answers to all of your questions; (d) have had an opportunity to discuss it with her own legal counsel and to be advised as to its terms and your obligations and rights under it, and (e) understand your rights and obligations under this agreement.