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f CONFLICTING TERMS: The terms of this Note shall control over any conflicting <br /> terms in any referenced agreement or document. <br /> (c) NOTICE: Any notices required or permitted to be given hereunder shall be given in <br /> writing and shall be delivered (a) in person, (b) by certified mail, postage prepaid, return <br /> receipt requested, (c) by facsimile, or (d) by a commercial overnight courier that <br /> guarantees next day delivery and provides a receipt, and such notices shall be made to <br /> the parties at the addresses listed below. <br /> (d) CO-SIGNER: (check the appropriate box) <br /> (c) - NO COSIGNER — This Note shall not have a Co-Signer. <br /> (d)- CO-SIGNER — This Note shall have a Co-Signer known as <br /> [Name of Co-Signer] hereinafter known as the "Co-Signer", and agrees to the liabilities <br /> and obligations on behalf of the Borrower under the terms of this Note. If the Borrower <br /> does not make payment, the Co-Signer shall be personally responsible and is <br /> guaranteeing the payment of the principal, late fees, and all accrued interest under the <br /> terms of this Note. <br /> (d) EXECUTION: The Borrower executes this Note as a principal and not as a surety. If <br /> there is a Co-Signer, the Borrower and Co-Signer shall be jointly and severally liable <br /> under this Note. <br /> (e) GOVERNING LAW: This note shall be governed under the laws in the State of <br /> California. <br /> (f) SIGNATURE AREA <br /> Lender's Signature Date <br /> Print Name <br /> Borrower's Signature Date <br /> Print Name <br /> Co-Signer Signature Date <br /> Print Name <br /> bPage 50 of <br /> 54 <br />