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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 />David AbdulMagid Abuge <br />REV: 08-17-22 SK <br />Dated: [1,042.Ir <br />ATTY/AGR.2022.285/Habitat 612 Jefferson 401 (09_HOME - Promissory Note (Buyer) HGSF 401) (Page 4 of 4) <br />