Personal Guarantee

For good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and to induce you, at your option, to engage in any other transactions with client from time to time, I absolutely and unconditionally guarantee the full payment of the debts from De Novo Review when due.

I absolutely and unconditionally guarantee to you the payment and performance of each and every debt, of every type and description, that De Novo Review may now or at any time in the future owe you, plus accrued interest, attorney’s fees and collection costs referable thereto (when permitted by law), and all other amounts agreed to be paid under all agreements evidencing the debt and securing the payment of the debt. You may, without notice, apply this guaranty to such debts of De Novo Review as you may select from time to time.

I waive presentment, demand, protest, notice of dishonor, and notice of acceptance of this guaranty. I also waive, to the extent permitted by law, all notices, all defenses and claims that the borrower could assert, any right to require you to pursue any remedy or seek payment from any other person before seeking payment under this agreement, and all other defenses to the debt, except payments in full. You may, without notice to me and without my consent, enter into agreements with the borrower from time to time for purposes of creating or continuing the borrower’s debt as allowed by this guaranty. I agree that I will be liable, to the fullest extent permitted by applicable law, for any deficiency remaining after foreclosure (or repossession) and sale of any collateral without regard to whether borrower’s obligation to pay such deficiency is discharged by law. If any payments on the debt are set aside, recovered or required to be returned in the event or the insolvency, bankruptcy or reorganization of the borrower, my obligations under this agreement will continue as if such payments had never been made.

COLLECTION COSTS – Except when prohibited by law, I agree to pay the reasonable costs and expenses you incur to enforce and collect this agreement, including attorney’s fees and court costs.