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under the Deed of Trust and the Note. <br />14. Successors and Assigns. This Deed of Trust applies to, inures to the benefit of, and binds <br />all parties hereto, their heirs, legatees, devisees, administrators, executors, successors, <br />and assigns. The term Beneficiary shall mean the holder and owner of the Note secured <br />hereby; or, if the Note has been pledged, the pledgee thereof. In this deed of Trust, <br />whenever the context so requires, the singular number includes the plural. <br />15. Other Sales, Actions, or Proceedings. Trustee is not obligated to notify any party hereto of <br />pending sale under any other Deed of Trust or of any action or proceeding in which <br />Trustor, Beneficiary, or Trustee shall be a party unless brought by Trustee. <br />16. Substitution of Trustee. Beneficiary may from time to time or at any time substitute a <br />Trustee or Trustees to execute the trust hereby created, and when any such substitution <br />has been filed for record in the office of the Recorder of the county in which the Property is <br />situated, it shall be conclusive evidence of the appointment of such Trustee or Trustees, <br />and such new Trustee or Trustees shall succeed to all of the powers and duties of the <br />Trustee or Trustees named herein. <br />IN WITNESS WHEREOF, Trustor has executed this Deed of Trust. <br />Trustor, Citizens' Housing Gorporation <br />A California ~lonprofit Public Benefit Corporation <br />^~ v ~ <br />By: Ja es M. Buckley <br />J:IwpolMnrsw113610011AGREE120021CitizenslExhibit M Deed of Trust 2 042402..doc <br />LMR:bwh <br />