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<br />IS. Communications. All notices, and other communications made pursuant to this Agreement <br />shall be effective upon personal delivery or, if mailed, on the date which is three (3) business days after <br />deposit with the United States Postal Service, postage prepaid, and addressed to the applicable party as <br />follows: <br /> <br />Mail- <br /> <br />At the Borrower's address as described on Exhibit A. <br />California Housing Finance Agency <br />Attn: HELP Program <br />PO Box 4034 <br />Sacramento, CA 95812-4034 <br />1415 L Street, Suite 650 <br />Sacramento, CA 95814 <br /> <br />17. Partial Invalidity. If any pro <br />unenforceable, the validity, legality and enforc <br />way be affected or impaired. <br /> <br /> <br />To the Borrower: <br />To the Agency: <br /> <br />Delivery- <br /> <br />16. Successors and Assigns. The terms he <br />the successors and assigns of the parties hereto; provided, <br />rights hereunder shall be made, voluntarily or by operation 0 <br />Agency. The Borrower is the only entity w 'ch the Agency inte <br /> <br />e benefit of <br /> <br />eclared invalid, illegal or <br />sions hereof shall not in any <br /> <br />18. Integration. <br />herein, and enclosures <br />among the parties he <br />agreements or unders n <br /> <br />. th the its hereto, incorporating references <br />romises, agreements and understandings to date <br />d HELP Loan, and there are no other promises, <br />lied, <br /> <br />19. <br />local laws <br />anyd <br /> <br />shall comply with all applicable federal, state and <br />h legal compliance and agrees to indemnify the Agency against <br />d the Agency as a result of any such noncompliance, <br /> <br />nt shall not be amended except by a written agreement signed <br /> <br />21. <br /> <br />(a) orrower fails to comply with the terms of this Agreement, the Agency may, <br />at its election, termina Its obligation to make any further loan disbursements hereunder. No remedy <br />herein contained or conferred upon the Agency is intended to be exclusive of any other remedy or <br />remedies afforded by law, by equity or by the terms hereof to the Agency but each and every such remedy <br />shall be cumulative and shall be in addition to every other remedy given hereunder or now or hereafter <br />existing at law or in equity. No exercise of any right or remedy by the Agency hereunder shall constitute <br />a waiver of any other right or remedy herein contained or provided by law, and no delay by the Agency in <br />exercising any such right or remedy hereunder shall operate as a waiver thereof or preclude the exercise <br />thereof during the continuance of any breach hereunder. <br /> <br />CalHF A HELP.LN.AGMT.MASTER <br />7/13/04,(AR) <br /> <br />4 <br />