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<br /> 5 <br />Banc of America CDC Special Holding Company, Inc. <br /> Community Development Banking <br /> MA1-225-02-02 <br /> 225 Franklin Street <br /> Boston, MA 02110 <br /> Attention: Asset Management <br /> <br />If to Trustee: AmeriNat <br />8121 E. Florence Avenue <br /> Downey, California 90240 <br /> <br />If to Beneficiary: Housing Authority of the City of Santa Ana <br />Executive Director <br />20 Civic Center Plaza (M-26) <br />P.0. Box 1988 <br />Santa Ana, California 92702 <br />Attention: Housing Manager <br /> <br />With a copy to: Office of the City Attorney <br />City of Santa Ana <br />20 Civic Center Plaza, 7th Floor (M-29) <br />Santa Ana, California 92702 <br /> <br />Addresses for notice may be changed as required by written notice to all other parties. <br />All notices personally served shall be effective when actually received. All notices mailed shall <br />be effective three (3) business days after deposit in the U.S. Mail, postage prepaid. The foregoing <br />notwithstanding, the non-receipt of any notice as the result of a change of address of which the <br />sending party was not notified or as the result of a refusal to accept delivery shall be deemed <br />receipt of such notice. <br /> <br /> 15. Governing Law. This Deed of Trust shall be governed by the laws of the State of <br />California with venue in Orange County. <br /> <br /> 16. Severability. In the event that any provision or clause of this Deed of Trust or the <br />Agency Promissory Note conflicts with applicable law, such conflict will not affect other provisions <br />of this Deed of Trust or the Agency Promissory Note which can be given effect without the <br />conflicting provision, and to this end the provisions of the Deed of Trust and the Agency <br />Promissory Note are declared to be severable. <br /> <br /> 17. Captions. The captions and headings in this Deed of Trust are for convenience only <br />and are not to be used to interpret or define the provisions hereof. <br /> <br /> 18. Default in Foreclosure; Remedies. Upon Trustor's breach of any covenant or <br />agreement of Trustor in this Deed of Trust or the Agency Promissory Note secured by this Deed of <br />Trust, including, but not limited to, the covenants to pay, when due, any sums secured by this Deed <br />of Trust, the Beneficiary may declare all sums secured by this Deed of Trust immediately due and <br />payable by delivering to Trustor notice thereof specifying: (1) The breach; (2) the action required to <br />cure such breach; (3) a date not less than thirty (30) calendar days from the date the notice is <br />EXHIBIT 3 <br />3-83