Meet Our Team

RealT is a union of seasoned real estate and blockchain industry executives, along with marketing, ecommerce and technology experts. Together, we are executing our collective vision to create a new real estate ownership experience.

Remy Jacobson

Remy Jacobson

Chairman of the Board / Principal

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Remy is also the Chairman, Managing Partner and Co-Founder of Bunker Capital, a blockchain consulting and advisory firm based in Aventura, Florida and founded in November 2016.  Remy brings a wealth of experience in sales, investor relations, and security token structure to the Managing Member. In addition, Remy has been deeply involved in real estate since 1999. Since 2012, Remy has been the Chief Executive Officer of J Cube Development, a real estate investment and development company based in the Miami area, where he has built multiple real estate investment portfolios which have had positive growth.

In 2011, Remy transitioned into crypto, where he quickly developed a passion for cryptocurrency and blockchain technology. He began his career in blockchain as a miner, building his first mining operation called Liquid Bits.  This operation quickly evolved into a more substantial company called CoinWare, which became one of the first commercial mega mines in 2013.

Jean-Marc Jacobson

Jean-Marc Jacobson

Board Member / Principal

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Jean-Marc has been at the forefront of the crypto revolution, and brings over 25 years of financial, information technology, and executive management expertise. Early on in his career Jean-Marc focused on financial strategy, and trading algorithms.  Later he took this experience and transitioned into real estate where he developed novel software that helped his company manage entire real estate portfolios.

After exiting real estate, Jean-Marc initiated another project called Liquid Gold. It was here he first learned about Bitcoin, and immediately became passionate about the transformational implications cryptocurrency would have on the world. He quickly transitioned from Liquid Gold to Liquid Bits and began to focus solely on Bitcoin.

In 2013, he founded Bitcoin Embassy, the world’s first entrepreneurial hub for developers, professionals and startups in the Bitcoin industry.  His vision for the Embassy was to foster a cryptocurrency community where people from different backgrounds and experiences could come together and create mutually-beneficial relationships that could help further develop and advance this disruptive technology.

Through these experiences, Jean-Marc sees the potential of blockchain technology and the important implications it has for society on a massive scale.  He has a deep interest in using blockchain to help people and organizations strike the balance between privacy and transparency.

Gary Krat

Gary Krat

Board Member / Principal

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Gary began his professional career in 1973 as an attorney at the Proskauer law firm in New York City, after having graduated from the School of Law at Fordham University.

In 1977 he joined a client, Integrated Resources, Inc., a publicly-held financial services company, and spent 13 years in the marketing, structuring and acquiring of over 600 leveraged real estate, equipment leasing, cable TV and other operating company transactions. He also headed and built the largest financial planning broker dealer group in the United States at that time.

In 1990 he was the senior-most officer at Integrated to move with the acquisition by Eli Broad and SunAmerica Inc. of Integrated’s trust company, annuity company, brokerage business and mutual fund company. During his career with SunAmerica he managed as Chairman, CEO and/or President these and other SunAmerica companies.

In 1999 following the acquisition of SunAmerica Inc. by American International Group, Inc., he stepped away from many of his day-to-day responsibilities and worked directly with AIG’s Chairman, Hank Greenberg, traveling extensively in Europe and the Far East to recreate the SunAmerica core businesses in AIG strongholds located in those places.

He decided to step back even further and spent time in the capacity of Senior Consultant to SunAmerica and AIG. He ended his formal relationship with both companies at the end of 2001.

Thereafter, he formed a series of companies to lend to, invest in and manage operating real estate and storage businesses, which to this day have been involved in over 250 transactions.

The last decade he’s focused on what has become a 40 acre real estate assemblage in the Wynwood area of Miami, a 10 acre assemblage encompassing more than 50 buildings in the Flagler Street area in downtown Miami and a 20 acre real estate assemblage in Jersey City, New Jersey, named Mana Contemporary, which today represents one of the largest 100% art related business/real estate assemblages in the world.

David Hoffman

David Hoffman

Chief Operating Officer

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David Hoffman began his professional career starting in the cryptocurrency and blockchain industry. David has been consulting and advising blockchain startups since 2017, in order to ensure these new teams are building products that are in alignment with the ethos found in the cryptocurrency community. David has consulted for 12 cryptocurrency startups, from various industries such as insurance, healthcare, supply chain management, and gambling

David operates a cryptocurrency focused podcast called POV Crypto, where prominent guests come to discuss their views and predictions about the cryptocurrency and blockchain industry. POV Crypto is praised for it’s balanced arguments between the co-hosts and guests, in its attempt to bring unbiased arguments into the space. Additionally, David frequently writes articles about the Ethereum ecosystem, MakerDAO, and token economics, and is a leading advocate for the adoption of the decentralized finance industry.

Astor Rivera

Astor Rivera

Chief Technology Officer

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Starting his career in the Graphics Lab at ESRI, Astor has had the privilege to work on many high profile projects for Disney, Warner Bros, BBC, The Oscars, Coachella, Bloomberg TV, Food Network and many others. 

He has led and managed development teams, product documentation, dev ops, micro & lambda services, cryptographic schemes, security contract audits, streaming data, applied machine learning and cloud networking.

He brings his extensive experience developing for the cryptocurrency market to his work building cutting-edge technology for RealT. 

Ben Hoverter

Ben Hoverter

Lead Web Developer

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Ben is a technological omnivore who has built solutions for companies large and small, including REI and the University of Washington. His software development skills are supported by his insatiable curiosity and his ability to empathize with his users—an ability honed over a decade of teaching. As Lead Web Developer for RealT, Ben’s mission is to craft a user experience that is truly first-class.

Tera Shimada

Tera Shimada

Chief Marketing Officer

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Tera Shimada is the Chief Marketing Officer for RealT, overseeing global demand creation, including marketing strategy, product launch, consumer insights and sales generation. With over 13 years experience leading campaigns for brands, Tera is passionate about developing actionable tactics to execute marketing strategy and is tightly focused on thinking beyond content creation to focus on the customer’s experience.

Prior to joining RealT, Tera spent her early marketing career with blue chip companies Amazon and Nordstrom before she made a pivot to marketing and consulting for emerging technology startups. She dove into the world of blockchain in early 2018, having advised ten startups since, but is most excited about what the future holds for RealT. Tera has an MBA from the University of Washington and received a Global Business Program Certificate for her studies at Ecole Superieure de Commerce in Paris.

Joseph Hernandez

Joseph Hernandez

Real Estate Legal Counsel

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Joe is Chair of our Real Estate Practice Group. Joe’s transactional real estate and corporate experience spans over 30 years from his prior career as a real estate and corporate banker throughout his legal career. Joe represents a variety of clients, including real estate developers, financial institutions, private equity firms, high net worth individuals, and public entities in all phases of complex commercial real estate and business transactions. His experience includes acquisitions, development, financing, leasing, joint ventures, and advising clients in connection with raising capital for real estate projects in the United States, Latin America and the Caribbean. Joe is also an agent for several national title insurance companies and has handled the resolution of complex title insurance issues involving real property in the United States, Latin America and the Caribbean.Joe’s representation of banks and other lending institutions includes lenders providing secured corporate loan transactions, including revolving credit facilities, asset-based lending, and other secured lending facilities.

In addition, Joe has extensive experience with representing condominium associations, community associations, developers and investors in condominium projects and groups of unit owners in a variety of condominium law and community association matters.  Joe has developed a special niche in representing condominium associations and cooperative corporations which are being pursued by developers for acquisition of all or substantially all of the units and frequently coordinates a multi-disciplinary approach to representing these clients in order to counsel and assist clients in navigating the myriad of legal issues faced by associations and unit owners in these situations. Joe and the condominium law attorneys at the Firm have also developed extensive experience representing condominium associations which are facing a significant casualty or construction defects issues.

Prior to joining the firm, Joe served as General Counsel for an asset management firm owned by a large private equity firm which managed several luxury high-rise condominium projects.  Prior to that, Joe was the head of the real estate practice group at the Miami office of Hogan Lovells and was also a shareholder in the real estate practice group at Greenberg Traurig in Miami.

In April of 2017, Joe was elected as a Fellow of the American College of Real Estate Lawyers (ACREL).

Joe is active in the community and was formerly the Chairman of the Board of Junior Achievement of Greater Miami and now serves as a board member.  In addition, Joe is an adjunct professor at the University of Miami School of Law and teaches courses in real estate finance in the Real Property Development L.L.M Program.

Lou Bevilacqua

Lou Bevilacqua

Securities Legal Counsel

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Lou Bevilacqua is the founding member of Bevilacqua PLLC. He is also a co-founder, President, and General Counsel of Digital Offering, a SEC registered broker-dealer and FINRA member and is a registered representative with Cambria Capital, a SEC registered broker-dealer and FINRA member. Mr. Bevilacqua is also a senior advisor to Visionary Private Equity Group and a member of the board of directors of the Mid Atlantic Angels. Previously, Mr. Bevilacqua was a partner in the Corporate and Securities Group at Pillsbury Winthrop Shaw Pittman LLP. Mr. Bevilacqua counsels companies of every size ranging from entrepreneurs with just an idea to established companies trading on the NYSE and NASDAQ. He has broad experience representing issuers in public offerings and private placements of securities (including private placements under Rule 506(c) of the Securities Act, crowdfunding offerings under Regulation CF and Title III of the JOBS Act, and Regulation A+ offerings), Exchange Act compliance, angel, and venture capital financings, and other areas of equity and debt financing. Mr. Bevilacqua also advises his clients on mergers, acquisitions, and other business combinations, including “roll up” transactions. Mr. Bevilacqua has several years of experience working with microcap public companies whose securities are quoted on the over-the-counter markets, and he understands the special needs of these companies. He also represents companies with international operations, including companies based in the People’s Republic of China and Taiwan, Republic of China, Latin America, Europe, and Australia.

Mr. Bevilacqua graduated Cum Laude from Fordham University and obtained a Juris Doctor from Fordham University School of Law where was a member of the Order of Coif. Mr. Bevilacqua is Chambers ranked in Capital Markets (International Firms) (Experts Based Abroad) and USA Capital Markets: Debt & Equity (Foreign Experts). Mr. Bevilacqua holds Series 7, Series 24 and Series 63 securities registrations with FINRA.

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RealT Affiliate Program Terms and Conditions

AFFILIATE AGREEMENT

PLEASE READ THE ENTIRE AGREEMENT.

YOU MAY PRINT THIS PAGE FOR YOUR RECORDS.

THIS IS A LEGAL AGREEMENT BETWEEN YOU AND REALTOKEN LLC (REALT).

BY SUBMITTING THE ONLINE APPLICATION YOU ARE AGREEING THAT YOU HAVE READ AND UNDERSTAND THE TERMS AND CONDITIONS OF THIS AGREEMENT AND THAT YOU AGREE TO BE LEGALLY RESPONSIBLE FOR EACH AND EVERY TERM AND CONDITION.

  1. Overview

This Agreement contains the complete terms and conditions that apply to you becoming an affiliate in RealT’s Affiliate Program. The purpose of this Agreement is to allow HTML linking between the RealT website and your website or your other social networking channels or posts (together, your “Sites”). Please note that throughout this Agreement, “we,” “us,” and “our” refer to RealT, and “you,” “your,” and “yours” refer to the affiliate. Applicants who are accepted into the RealT Affiliate Program will each receive a unique referral hyperlink (a “Link”) that they can post on their Sites and share with potential referrals to earn commissions and other rewards.  

  1. Eligibility

The RealT Affiliate Program is open only to any “non-U.S. person” located outside of the United States who has purchased at least one RealToken of any Series of RealToken LLC.  For purposes of this Agreement, a “non-U.S. person” is any natural person who is not a resident of, or located in, the United States, and partnership or corporation that is not organized or incorporated under the laws of, or located in, the United States, and any trust of which all of the trustees are not residents of, or located in, the United States.  

  1. Enrollment and Affiliate Obligations

3.1. To begin the enrollment process, you will apply electronically on the RealT.co website by reviewing  and agreeing to the terms and conditions of this Agreement. The fact that we auto-approve applications does not imply that we may not re-evaluate your application at a later time. We may reject your application at our sole discretion. We may cancel this Agreement with you if we determine that your Sites are unsuitable for our Affiliate Program, including if they:

3.1.1. Promote sexually explicit materials.

3.1.2. Promote violence.

3.1.3. Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.

3.1.4. Promote illegal activities.

3.1.5. Incorporate any materials which infringe or assist others to infringe on any copyright, trademark or other intellectual property rights or to violate the law.

3.1.6. Include “ReatT,” “ReatToken” or variations or misspellings thereof in your website domain name.

3.1.7. Are otherwise in any way unlawful, harmful, threatening, defamatory, obscene, harassing, or racially, ethnically or otherwise objectionable to us in our sole discretion.

3.1.8. Contain software downloads that potentially enable diversions of commission from other affiliates in our program.

3.1.9. You may not create or design your Sites, explicitly or implied in a manner which resembles our website nor design your Sites in a manner which leads customers to believe you are RealT or any other affiliated business.

3.2. RealT reserves the right, at any time, to review your placement and approve the use of your Link and require that you change the placement or use to comply with the guidelines provided to you.

3.3. The maintenance and the updating of your Sites will be your responsibility. We may monitor your Sites as we feel necessary to make sure that your are operating in compliance with this Agreement.

3.4. It is entirely your responsibility to follow all applicable intellectual property and other laws that pertain to your Sites. You must have express permission to use any person’s copyrighted material, whether it be a writing, an image, or any other copyrightable work. We will not be responsible (and you will be solely responsible) if you use another person’s copyrighted material or other intellectual property in violation of the law or any third party rights.

  1. RealT Rights and Obligations

4.1. We have the right to monitor your Sites at any time to determine if you are following the terms and conditions of this Agreement. We may notify you of any changes to your Sites that we feel should be made, or to make sure that your links to our website are appropriate and to notify further you of any changes that we feel should be made. If you do not make the changes to your Sites that we feel are necessary, we reserve the right to terminate your participation in the RealT Affiliate Program.

4.2. RealT reserves the right to terminate this Agreement and your participation in the RealT Affiliate Program immediately and without notice to you should you commit fraud in your use of the RealT Affiliate Program or should you abuse this program in any way. If such fraud or abuse is detected, RealT shall not be liable to you for any commissions for such fraudulent sales.

4.3. This Agreement will begin upon your accepting its terms and providing your electronic signature on our RealT.co website, and will continue unless terminated hereunder.

  1. Termination

Either you or we may end this Agreement AT ANY TIME, with or without cause, by giving the other party written notice. Written notice can be in the form of mail, email or fax. In addition, this Agreement will terminate immediately upon any breach of this Agreement by you.

  1. Modification

We may modify any of the terms and conditions in this Agreement at any time at our sole discretion. In such event, you will be notified by email. Modifications may include, but are not limited to, changes in the payment procedures and RealT’s Affiliate Program rules. If any modification is unacceptable to you, your only option is to end this Agreement. Your continued participation in RealT’s Affiliate Program following the posting of the change notice or new Agreement on our Sites will indicate your agreement to the changes.

  1. Commissions

7.1  RealT will pay a referral fee (“Commission”) for each customer referred to the RealT.co website by an affiliate through the affiliate’s Link who completes a purchase on the RealT.co website of one or more RealTokens of a Series of RealToken LLC.  The standard Commission will consist of a cash payment to the affiliate equal to two percent (2%) of the dollar amount of RealTokens purchased by the referred customer. RealT reserves the right to change the Commission rate at any time (which change shall not alter the effective rate for any RealTokens already purchased by a referred customer) and may offer from time to time, as and when posted on the RealT.co website, special promotions including, but not limited to, increased Commission rates, competitions awarding cash prizes to referral leaders, VIP access to RealT events and early notice of new listings on the RealT.co website.   

  1. Promotion Restrictions

8.1. You are free to promote your own Sites, but naturally any promotion that mentions RealT could be perceived by the public or the press as a joint effort. You should know that certain forms of advertising are always prohibited by RealT. For example, advertising commonly referred to as “spamming” is unacceptable to us and could cause damage to our name. Other generally prohibited forms of advertising include the use of unsolicited commercial email (UCE), postings to non-commercial newsgroups and cross-posting to multiple newsgroups at once. In addition, you may not advertise in any way that effectively conceals or misrepresents your identity, your domain name, or your return email address. You may use mailings to customers to promote RealT so long as the recipient is already a customer or subscriber of your services or Sites, and recipients have the option to remove themselves from future mailings. Also, you may post to newsgroups to promote RealT so long as the news group specifically welcomes commercial messages. At all times, you must clearly represent yourself and your Sites as independent from RealT. If it comes to our attention that you are spamming, we will consider that cause for immediate termination of this Agreement and your participation in the RealT Affiliate Program. Any pending balances owed to you will not be paid if your account is terminated due to such unacceptable advertising or solicitation.

8.2. Affiliate shall not transmit any so-called “interstitials,” “Parasiteware™,” “Parasitic Marketing,” “Shopping Assistance Application,” “Toolbar Installations and/or Add-ons,” “Shopping Wallets” or “deceptive pop-ups and/or pop-unders” to consumers from the time the consumer clicks on a qualifying link until such time as the consumer has fully exited RealT’s site (i.e., no page from our site or any RealT’s content or branding is visible on the end-user’s screen). As used herein a. “Parasiteware™” and “Parasitic Marketing” shall mean an application that (a) through accidental or direct intent causes the overwriting of affiliate and non-affiliate commission tracking cookies through any other means than a customer initiated click on a qualifying link on a web page or email; (b) intercepts searches to redirect traffic through an installed software, thereby causing, pop ups, commission tracking cookies to be put in place or other commission tracking cookies to be overwritten where a user would under normal circumstances have arrived at the same destination through the results given by the search (search engines being, but not limited to, Google, MSN, Yahoo, Overture, AltaVista, Hotbot and similar search or directory engines); (c) set commission tracking cookies through loading of RealT’s site in IFrames, hidden links and automatic pop ups that open RealT’s site; (d) targets text on websites, other than those websites 100% owned by the application owner, for the purpose of contextual marketing; (e) removes, replaces or blocks the visibility of Affiliate banners with any other banners, other than those that are on websites 100% owned by the owner of the application.

  1. Grant of Licenses

9.1. We grant to you a non-exclusive, non-transferable, revocable right to (i) access our site through HTML links solely in accordance with the terms of this Agreement and (ii) solely in connection with such links, to use our logos, trade names, trademarks, and similar identifying material (collectively, the “Licensed Materials”) that we provide to you or authorize for such purpose. You are only entitled to use the Licensed Materials to the extent that you are a member in good standing of RealT’s Affiliate Program. You agree that all uses of the Licensed Materials will be on behalf of RealT and the good will associated therewith will inure to the sole benefit of RealT.

9.2. Each party agrees not to use the other’s proprietary materials in any manner that is disparaging, misleading, obscene or that otherwise portrays the party in a negative light. Each party reserves all of its respective rights in the proprietary materials covered by this license. Other than the license granted in this Agreement, each party retains all right, title, and interest to its respective rights and no right, title, or interest is transferred to the other.

  1. Disclaimer

REALT MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES REGARDING REALT SERVICE AND WEBSITE OR THE PRODUCTS OR SERVICES PROVIDED THEREIN, ANY IMPLIED WARRANTIES OF MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT ARE EXPRESSLY DISCLAIMED AND EXCLUDED. IN ADDITION, WE MAKE NO REPRESENTATION THAT THE OPERATION OF OUR SITE WILL BE UNINTERRUPTED OR ERROR FREE, AND WE WILL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS.

  1. Representations and Warranties

You represent and warrant that:

11.1. This Agreement has been duly and validly executed and delivered by you and constitutes your legal, valid, and binding obligation, enforceable against you in accordance with its terms;

11.2. You have the full right, power, and authority to enter into and be bound by the terms and conditions of this Agreement and to perform your obligations under this Agreement, without the approval or consent of any other party;

11.3. You are not a resident of the United States or otherwise a “U.S. Person,” as that term is defined in Rule 501(a) of Regulation D promulgated under the Securities Act of 1933.

11.4. You hereby certify that you are in full observance of, and not in violation of, the laws of the jurisdiction in which you reside and of each of the jurisdictions into which you may send a Link in connection with your participation in the RealT Affiliate Program, including (i) the legal requirements within your jurisdiction and in any jurisdiction where you intend to send a Link to solicit purchasers of RealTokens for the offer and sale of securities and deemed security tokens, (ii) any foreign exchange restrictions applicable to such offers and sales, (iii) any governmental or other consents that may need to be obtained, and (iv) the income tax and other tax consequences, if any, that may be relevant to the receipt of commission fees under this Agreement.

11.5.  You are not required to obtain any licenses or registrations under applicable law, including the rules and regulations of any self-regulatory organization with competent jurisdiction, to participate in the RealT Affiliate Program as contemplated hereunder, and you will promptly obtain such licenses and registrations if you determine that any of them are necessary in order to act as an affiliate and receive commissions hereunder.

11.6. You have sufficient right, title, and interest in and to the rights granted to us in this Agreement.

11.7. You acknowledge that RealT is entering into this Agreement in reliance on the representations, warranties, and agreements contained herein.  You shall give prompt notice to RealT of the occurrence of any event that may affect the accuracy of any representation, warranty, or agreement; provided that such notice shall not relieve you from your obligations hereunder or prevent any party from seeking an appropriate remedy.

  1. Limitations of Liability

WE WILL NOT BE LIABLE TO YOU WITH RESPECT TO ANY SUBJECT MATTER OF THIS AGREEMENT UNDER ANY CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE OR GOODWILL OR ANTICIPATED PROFITS OR LOST BUSINESS), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHER, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED IN THIS AGREEMENT, IN NO EVENT SHALL REALT’S CUMULATIVE LIABILITY TO YOU ARISING OUT OF OR RELATED TO THIS AGREEMENT, WHETHER BASED IN CONTRACT, NEGLIGENCE, STRICT LIABILITY, TORT OR OTHER LEGAL OR EQUITABLE THEORY, EXCEED THE TOTAL COMMISSION FEES PAID TO YOU UNDER THIS AGREEMENT.

  1. Indemnification

You hereby agree to indemnify and hold harmless RealT, and its subsidiaries and affiliates, and their directors, officers, employees, agents, shareholders, partners, members, and other owners, against any and all claims, actions, demands, liabilities, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) (any or all of the foregoing hereinafter referred to as “Losses”) insofar as such Losses (or actions in respect thereof) arise out of or are based on (i) any misrepresentation of a representation or warranty or breach of a covenant and agreement made by you herein, or (ii) any claim related to your Sites, including, without limitation, content therein not attributable to us.

  1. Confidentiality

All confidential information, including, but not limited to, any business, technical, financial, and customer information, disclosed by one party to the other during negotiation or the effective term of this Agreement which is marked “Confidential,” will remain the sole property of the disclosing party, and each party will keep in confidence and not use or disclose such proprietary information of the other party without express written permission of the disclosing party.

  1. Data Security

You agree to comply with all applicable data protection laws regarding the transmission of data exported to or from the United States or the country in which you reside, including without limitation, the General Data Protection Regulation 2016/679 of European Parliament and of the Council of 27 April 2016 (the “GDPR”). You agree to promptly assist RealT in complying with any data subject rights request under the GDPR that RealT may receive from any individuals referred to RealT by you. You further agree to promptly assist RealT in complying with any duties to cooperate with supervisory authorities under the GDPR.

  1. Miscellaneous

16.1. You agree that you are an independent contractor, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between you and RealT. You will have no authority to make or accept any offers or representations on our behalf. You will not make any statement, whether on Your Site or any other of Your Site or otherwise, that reasonably would contradict anything in this Section.

16.2. Neither party may assign its rights or obligations under this Agreement to any party, except to a party who obtains all or substantially all of the business or assets of a third party.

16.3. This Agreement shall be governed by and interpreted in accordance with the laws of the State of Florida without regard to the conflicts of laws and principles thereof.

16.4. You may not amend or waive any provision of this Agreement unless in writing and signed by both parties.

16.5. This Agreement represents the entire agreement between us and you, and shall supersede all prior agreements and communications of the parties, oral or written.

16.6. The headings and titles contained in this Agreement are included for convenience only, and shall not limit or otherwise affect the terms of this Agreement.

16.7. If any provision of this Agreement is held to be invalid or unenforceable, that provision shall be eliminated or limited to the minimum extent necessary such that the intent of the parties is effectuated, and the remainder of this agreement shall have full force and effect.