REPRESENTATIONS AND WARRANTIES OF CTI AND FGC. CTI and FGC jointly and severally represent and warrant to HNC that, except as set forth in the letter addressed to HNC from CTI that is executed by the President of CTI and dated as of the Agreement Date (including all schedules thereto) which has been delivered by CTI to HNC concurrently with the parties' execution of this Agreement (the "CTI DISCLOSURE LETTER"), each of the representations, warranties and statements contained in the following sections of this Article 3 is true and correct as of the Agreement Date and will be true and correct on and as of the Closing Date. For all purposes of this Agreement (including without limitation Articles 8 and 9 hereof), the statements contained in the CTI Disclosure Letter and its schedules shall also be deemed to be representations and warranties made and given by CTI and FGC under Article 3 of this Agreement.
