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connection with the delivery, acceptance, performance, default or enforcement <br />of this Note, and hereby consents to any extensions of time, renewals, releases of <br />any parties to this Note, waivers and any other modifications that may be granted <br />or consented to by the Holder from time to time in respect of the time of payment <br />or any other provision of this Note. <br /> <br /> No delay by the Holder in exercising any power or right hereunder, or any <br />single or partial exercise of any power or right hereunder shall operate as a waiver <br />or preclude the exercise of any such power of right, or any other power or right <br />hereunder or otherwise. <br /> <br /> The Maker shall pay to the Holder, on demand, any costs or expenses which <br />the Holder may incur to enforce or otherwise collect monies due under this Note, <br />including, without limitation, reasonable aHorneys' fees and expenses. <br /> <br /> Unless the Holder elects to contrary, all amounts received by the Holder shall <br />be applied in the following order of application: first, to any costs or expenses <br />incurred by the Holder in the enforcement or collection of this Note: second, to <br />accrued interest; and third and finally, to the outstanding principal balance, in <br />inverse order of installment maturities. <br /> <br /> This Note shall be. governed by and construed in accordance with the <br />internal substantive laws of the State of Missouri, and shall be deemed a business <br />loan under Missoud law. <br /> <br /> If any provision of this Note shall be unlawful, then such provision shall be null <br />and void but the remainder of the Note shall remain in full force and effect and be <br />binding on the Maker and any guarantor and indorser hereof. <br /> <br />City of University City <br /> <br />By: <br /> Title: <br /> <br /> <br />