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rights or remedies that Holder may have under the Deed of Trust or other instruments securing repayment of <br /> this Note. <br /> 10. ATTORNEYS' FEES AND COSTS: Maker shall pay all costs incurred by Holder in collecting sums due <br /> under this Note after a default,including reasonable attorneys' fees,whether or not suit is brought. If Maker or <br /> Holder sues to enforce this Note or obtain a declaration of its rights hereunder, the prevailing party in any such <br /> proceeding shall be entitled to recover its reasonable attorneys' fees and costs incurred in the proceeding <br /> (including those incurred in any bankruptcy proceeding or appeal)from the non-prevailing party. <br /> 11. WAIVER OF PRESENTMENTS: Maker waives presentment for payment, notice of dishonor, protest and <br /> notice of protest. <br /> 12. NON-WAIVER: No failure or delay by Holder in exercising Holder's rights under this Note shall be a waiver <br /> of such rights. <br /> 13. SEVERABILITY: If any clause or any other portion of this Note shall be determined to be void or <br /> unenforceable for any reason, such determination shall not affect the validity or enforceability of any other <br /> clause or portion of this Note,all of which shall remain in full force and effect. <br /> 14. INTEGRATION: There are no verbal or other agreements which modify or affect the terms of this Note. This <br /> Note may not be modified or amended except by written agreement signed by Maker and Holder. <br /> 15. CONFLICTING TERMS: In the event of any conflict between the terms of this Note and the terms of any <br /> Deed of Trust or other instruments securing payment of this Note,the terms of this Note shall prevail. <br /> 16. EXECUTION: Each Maker executes this Note as a principal and not as a surety. If there is more than one <br /> Maker,each such Maker shall be jointly and severally liable under this Note. <br /> 17. ORAL AGREEMENTS: ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, TO <br /> EXTEND CREDIT, OR TO FOREBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT <br /> ENFORCEABLE UNDER WASHINGTON LAW. <br /> 18. DEFINITIONS: The word Maker shall be construed interchangeably with the words Borrower or Payer or <br /> Debtor and the word Holder shall be construed interchangeably with the words Lender or Payee or City. In this <br /> Note, singular and plural words shall be construed interchangeably as may be appropriate in the context and <br /> circumstances to which such words apply. <br /> 19.PROPERTY: The Property is legally described as: <br /> The West half of Government Lot 1,Section 19,Township 28 North,Range 5 East,W.M.; <br /> EXCEPT,the North 500 feet thereof,and <br /> EXCEPT,the Westerly 30 feet for street purposes(3rd Ave. S.E.); <br /> SUBJECT to Reservations and encumbrances of record; <br /> Situated in the County of-SNOHOMISH, State of Washington <br /> 20. THIS NOTE IS SECURED BY(X)DEED OF TRUST,( )MORTGAGE,( ) OF <br /> EVEN DATE. <br /> Page 2 of 3 <br />