REPRESENTATIONS AND WARRANTIES OF MEMORIAL AND SHAREHOLDERS. Except as disclosed in a document to be prepared by Memorial and delivered to Security National and Southern Security prior to the Closing Date (the "Memorial Disclosure Schedule") referring specifically to the applicable representation and warranty in this Agreement that identifies the basis for an exception to a representation and warranty in this Agreement and that is delivered by Memorial to Security National and Southern Security and approved by Security National and Southern Security by execution of this Agreement, Memorial and the Shareholders represent and warrant to Security National and Southern Security as set forth below, and such representations and warranties shall be true and correct as of the date hereof and at all times thereafter including, without limitation, the Closing Date, as if made at all such times. As used in this Agreement (i) "
