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Guarantor is or may be subject, which, if determined adversely to the Borrower or the <br />Guarantor would individually or in the aggregate have a material adverse effect on the <br />condition, financial or otherwise, of the Borrower or the Guarantor. <br /> <br /> 7. To the best of my knowledge based on due inquiry, the representations made by <br />the Borrower in the Collateral Documents, and in the Certificate of Borrower and Guarantor <br />executed by the Borrower, are true and correct in all material respects. <br /> <br /> Yours very truly, <br /> <br />64