This note is not assumable without the written consent of the Noteholder. The Borrower waives demand, presentment for payment, protest and notice. In the event of any default, the Borrower will be responsible for any costs of collection on this note, including court cost and attorney fees. It is agreed that if the borrower violates the terms of this Agreement, irreparable harm will occur, and money damages will be insufficient to compensate Shawntay's School of Creative Nails. In the event of a breach of the contract, shall be settled by arbitration to be held in Baltimore County Maryland, in accordance with the dispute resolution rules then in effect of the American Arbitration Association. The arbitrator may grant injunctions or other relief in such dispute or controversy. The decision of the arbitrator shall be final, conclusive and binding on the parties to the arbitration. Judgment may be entered on the arbitrator’s decision in any court having jurisdiction. In case of arbitration, the prevailing party shall have the right to collect from the other party its reasonable costs and necessary disbursements and attorney's fees incurred in enforcing this Agreement. This Agreement shall be governed by the laws of State of Maryland. The provisions of this agreement shall be binding upon and inure to the benefit of both parties and their respective legal representatives, successors, and assigns.

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