REPRESENTATIONS AND WARRANTIES OF FTI AND FTI SHAREHOLDERS. FTI, the Founder, Kozixxx xxx Snow hereby jointly and severally represent and warrant to HNC that, except as specifically set forth in the letter from FTI addressed to HNC and dated as of 15 the Agreement Date (including all schedules thereto) which has been delivered to HNC by FTI concurrently herewith (the "FTI DISCLOSURE LETTER"), each of the following representations, warranties and statements in this Article 3 are true and correct.
