/ˌrɛprɪzɛnˈteɪʃənz ənd ˈwɔrəntiz/ – Phrase
Definition: Cam kết và bảo đảm.
A more thorough explanation: representations are statements of present or past fact and a warranty is a promise that a fact is true
Example: Borrower shall certify that the representations and warranties of Borrower set forth in the Loan Documents are true and correct on the date of the Loan.