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(c) Applicable Law and Venue. This Agreement is governed by and construed in <br />accordance with the laws of the State of California. Venue is San Mateo County. <br />(d) Attorneys' Fees. In the event any legal action is commenced to enforce or interpret <br />this Agreement, the prevailing Party is entitled to reasonable attorneys' fees, costs, and <br />expenses incurred. <br />(e) Modifications. This Agreement may not be modified or amended in any respect, <br />except by written instrument specifically referencing such a modification or amendment <br />which is executed by or on behalf of the Parties in the same manner as this Agreement is <br />executed. <br />(f) Waivers. Any waiver by the Lender of any term or provision of this Agreement <br />must be in writing. No waiver shall be implied from any delay or failure by the Lender to <br />take action on any breach or Default hereunder or to pursue any remedy allowed under this <br />Agreement or applicable law. Waiver of a breach or Default under this Agreement shall <br />not constitute a continuing waiver or a waiver of a subsequent breach of the same or any <br />other provision of this Agreement. Any extension of time granted to Borrower to perform <br />any obligation under this Agreement shall not operate as a waiver or release from any of <br />its obligations under this Agreement. <br />(g) Time. Time is of. the essence in this Agreement, <br />(h) Exhibits. The following exhibit is attached to this Agreement and incorporated into <br />this Agreement by reference: Exhibit A: Legal Description of the Property, Exhibit B: <br />Scope of Work. <br />(i) Entire Understanding of the Parties. The Loan Documents constitute the entire <br />agreement of the Parties with respect to the Loan. <br />0) Notices. Except for any notice, demand or communication required under <br />applicable law to be given in another matter, all notices, demands and communications to <br />be sent pursuant to this Agreement shall be made in writing, and sent to the Parties at their <br />respective addresses specified below or to such other address as a Party may designate by <br />written notice delivered to the other Party in accordance with this Section. All notices <br />demands or communications shall be sent by: (i) personal delivery, in which case notice <br />is effective upon delivery; (ii) certified or registered mail, return receipt requested, in which <br />case notice shall be deemed delivered upon receipt if delivery is confirmed by a return <br />receipt; or (iii) nationally recognized overnight courier, with charges prepaid or charged to <br />the sender's account, in which case notice is effective on delivery if delivery is confirmed <br />by the delivery service, <br />REV: 10-02-25 LF <br />ATN/AGR.2025.255/Habitat for Humanity (142 Center (Moreno) CDBG Loan Agreement) (Page 10 of 21) <br />