I understand that my student account remains marked until full payment is received. I have no additional penalties as long as I am faithful to the conditions set out in this refund agreement. This agreement constitutes a debt certificate for education expenses and cannot be excused in the event of bankruptcy. 5. That the above-mentioned points form the basis of mutual agreement and may be amended only with the agreement of both parties. Although the Pittsburgh Agreement of 1918 is often cited as a turning point, it was a ceremonial formalization of three years of joint work by Czech and Slovak activists in America. The Cleveland Accord of 1915 served as the basis for their planning efforts. In this agreement, the delegates committed themselves to working together towards the constitution of a free, independent and unique state for the Czech and Slovak peoples. As part of the agreement, the parties have jointly chosen an independent monitor who assesses and reports on whether the requirements of the agreement have been implemented for a period of at least five years.
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