(e) An oral statement shall not be admissible to contradict the provisions of a credit transaction
document,
unless the debtor establishes by clear and convincing evidence that the oral statement was made and that it constituted a misrepresentation of a material fact relating to the character or
essential terms of the transaction that was made principally to induce the debtor to sign the
document and upon which the debtor reasonably relied in signing the
document or entering into the transaction.
a) the agreement was null and void under the law of the State of the chosen court,
unless the chosen court has determined that the agreement is valid; b) a party lacked the capacity to conclude the agreement under the law of the requested State; c) the
document which instituted the proceedings or an equivalent
document, including the
essential elements of the claim,