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DocuSign Envelope ID:847BA5A1-CA01-4305-A31D-3C3DABB304E8 <br /> or endorser of this Note is also obligated to do these things. Any person or entity who takes over <br /> these obligations, including the obligations of a guarantor, surely or endorser of this Note, is also <br /> obligated to keep all of the promises made in this Note. The Lender may enforce its rights under <br /> this Note against each person or entity individually or against all such persons or entities together. <br /> 12. Waivers. Borrower and any other Person or entity who has obligations under this <br /> Note waives the rights of protest, presentment, notice of dishonor and notice of acceleration of <br /> maturity. "Presentment" means the right to require Holder to demand payment of amounts due. <br /> "Notice of dishonor"means the right to require Holder to give notice to other persons that amounts <br /> due have not been paid. Borrower and any other person or entity who has obligations under this <br /> Note agree that their obligations shall continue even if Lender has agreed to the release, <br /> modification or substitution of any security for this Note or to any extensions of time for the <br /> payment of principal and interest under this Note. <br /> 13. Related Documents. The following documents have also been executed in <br /> connection with the Loan (Check those which apply): <br /> X Development Agreements between Habitat For Humanity Of Orange County,NC,Inc. and <br /> Lender dated <br /> X Declarations of Restrictive Covenants between Habitat For Humanity Of Orange County, <br /> NC, Inc., and Lender dated <br /> X Deed of Trust from Borrower to John L. Roberts, Trustee for Lender beneficiary, dated the <br /> same date as this Note. <br /> X Homeowner Written Agreement from Borrower to Habitat for Humanity of Orange <br /> County,NC Inc dated <br /> The terms of those documents listed above are incorporated in this Note. Default under any of the <br /> terms of the documents listed above shall be a default under this Note. <br /> 14. Governing Law. This note shall be governed and construed by the laws of the State <br /> of North Carolina. <br /> 15. Assignment. The Borrower consents to the assignment of this Note transferring the <br /> Lender's right, title and interest. <br /> IN WITNESS WHEREOF, Borrower has caused this instrument to be duly signed, <br /> sealed and delivered the day and year first above written. <br /> BORROWER <br /> 39 <br />