. . . "Construction 1.1 In this Agreement, any reference to any agreement (howsoever named) is to such agreement as it may be amended, supplemented or extended from time to time, whether before or after the date hereof. 1.2 Clause headings are for ease of reference only. 1.3 Participating debt certificates (??PDCs??) represent the net insurance benefits (the ??NIBs??) from a portfolio of life settlement" .