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11. GOVERNING LAW <br />This (Vote shall be governed by the laws of the state of California without regard to principles of <br />conflicts of law. I/we and Lender each submit to the exclusive jurisdiction of the state courts in San <br />Mateo County, California. <br />Witness the Hand(s) of the Undersigned <br />Trevor Leif Hanson <br />REV: <br />REV: 08-18-22 sic <br />Dated. 05 2 2— <br />ATTY/AGR.2022 293/Habital812 Jefferson 404 (09 FIOMF . PrnmiGvnrki NntA (Rininrl I ngP7 nnni iD ,n, n -, AN <br />