This Agreement shall be continuous and shall cover, individually and collectively, all Accounts of Customer at any time opened or reopened with ATM Capital irrespective of any change or changes at any time in the personnel of ATM Capital or its successors, assigns, or affiliates. This Agreement including all authorizations, shall inure to the benefit of ATM Capital and its successors and assigns, whether by merger, consolidation or otherwise, and shall be binding upon Customer and/or the estate, executor, trustees, administrators, legal representatives, successors and assigns of Customer. Customer hereby ratifies all transactions with ATM Capital affected prior to the date of this Agreement, and agrees that the rights and obligations of Customer in respect thereto shall be governed by the terms of this Agreement.