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9 <br /> which becomes due and owing under this Paragraph or adding such amount to the principal of <br /> the loan. <br /> 10. RESPONSIBILITY OF PERSONS UNDER THIS NOTE <br /> If more than one person signs this Note, each of us is fully and personally obligated, jointly and <br /> severally, to pay the full amount owed and to keep all of the promises made in this Note. Any <br /> guarantor, surety, or endorser of this Note is also obligated to do these things. The Holder may <br /> enforce its rights under this Note against each of us individually or against some or all of us <br /> together. This means that any one of us may be required to pay all of the amounts owed under <br /> this Note. Any person who assumes my obligations under this Note must keep all of my <br /> promises made in this Note. Any person who assumes (with or without Holder's approval) the <br /> obligations of a guarantor, surety, or endorser of this Note is also obligated to keep all of the <br /> promises made in this Note. I understand that the consent of the Holder is required for any <br /> person to assume my obligations under this Note, and that Holder may withhold such consent <br /> in its sole discretion. <br /> 11. TIME <br /> Time is of the essence of the terms of this Note. <br /> NOTICE: ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, <br /> EXTEND CREDIT, OR TO FORBEAR FROM ENFORCING REPAYMENT OF A <br /> DEBT, ARE NOT ENFORCEABLE UNDER WASHINGTON LAW. <br /> ** <br /> c 4 <br /> ADDI Agreement between C - 4 <br /> City of Everett and Snohomish County <br />