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11. GOVERNING LAW <br />This Note 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 />Dated: k13017 -1- <br />J <br />fja122Ju a hez <br />REV: 08-17-22 5K <br />ATTY/AGR. 2022,289/Habitat 612 Jefferson 402 (09_HOME - Promissory Note (Buyer) HGSF 402) (Page 4 of 4) <br />