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hereof. All covenants and agreements of Borrower shall be joint and several. The captions and headings of the paragraphs of this Deed of Trust are for convenience only and are not to be used to interpret or define the provisions hereof. 16. Notice. Any notice to one party by the other party as provided for in this Note shall be given by mailing such notice by certified mail, or by overnight mail, addressed as stated below, or to such other address as one party may designate to the other party.- To arty:To Borrower: To Lender: Tri-Valley REACH City of Pleasanton 225 Spring Street PO Box 520/123 Main Street Pleasanton, CA 94566 Pleasanton, CA 94566 Attn: Attn: Housing Division 17.Governinq Law; Severability. This Deed of Trust shall be governed by the law of California. In the event that any provision or clause of this Deed of Trust or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Deed of Trust or the Note which can be given effect without the conflicting provision, and to this end the provisions of the Deed of Trust and the Note are declared to be severable. 18.Borrower's Copy. Borrower may be furnished a conformed copy of the Note and of this Deed of Trust at the time of execution or after recordation. 19.Transfer of the Property. Subject to Section 22, if all or any of the Property or an interest in it is sold or transferred by Borrower, excluding permitted transfers described in Section 5, above, all the sums secured by this Deed of Trust shall be immediately due and payable. In the event of such an acceleration, Lender shall mail Borrower notice of the acceleration in accordance with Section 16 hereof. Such notice shall provide a period of not fewer than 30 days from the date the notice is mailed within which Borrower may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice of demand on Borrower, invoke any remedies permitted by Section 20 hereof. 20.Acceleration; Remedies. Except as provided in Section 19 hereof, upon Borrower's breach for a period of three (3) months, after application of any partial payments which may have been accepted but not yet applied to the Borrower's account, of the covenant to pay when due any sums secured by this Deed of Trust or, subject to Section 22, upon Borrower's breach of any other covenant or agreement of Borrower's in this Deed of Trust or the Note incorporated by reference in this Deed of Trust, Lender prior to acceleration shall mail notice to Borrower as provided in Section 16 hereof specifying: (1)the breach; (2)the action required to cure such breach; (3) a date, not fewer than thirty(30)days from the date the notice is mailed to Borrower, by which such breach specified in the notice may result in acceleration of the sums secured by this Deed of Trust and sale of the Property. The notice shall further inform Borrower of Borrower's right to a fair hearing on the existence of default, of the right to reinstate after acceleration 7