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11.0 Attorneys Fees and Costs. Borrower agrees that if any <br /> amounts due under this Note are not paid when due, to pay in <br /> addition, all costs and expenses of collection and reasonable <br /> attorney fees paid or incurred in connection with the collection <br /> or enforcement of this Note, whether or not a lawsuit is filed. <br /> 12.0 Controllinu Law. The provisions of this Note shall be <br /> interpreted under the laws of the State of California. <br /> BORROWER: <br /> ANGELA D. CALIJA / <br /> - 7 - <br />