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<br />If to fiscal Agent: <br />Gateway Bank & Trust Co. <br />1145 N. Road St. <br />Elizabeth City, NC. 27909 <br />Facsimile: 252-334-1511 <br />Attention: Mark Holmes <br /> <br />If to Public Depositor: <br /> <br />. Facsimile: <br />Attention: <br /> <br />or to such other address as may be designated in a written notice delivered by one party <br />to the others. . <br />All notices under this Section 11 shall be in writing and delivered by U.S. mail, <br />registered or certified, by hand delivery, by a nationally recognized courier service, or by <br />confirmed facsimile. Delivery shall be deemed to have been made on the third business <br />day following deposit in the U.S. mail, the next business day following receipt by <br />overnight courier, upon hand delivery, and upon receipt of confirmation of a completed <br />. . -- . <br />facsimile transmission. <br /> <br />Section 12, Deliverv of Notices and Instructions. All Public Deposit Notices, Public <br />Deposit Instructions, Receipt Notices and Withdrawal/Transfer Instructions shaH be <br />originated through imd confirmed through the appropriate interface provided by Finistar <br />as described in Exhibits A, B, C and D and shall be designated as written notice <br />delivered by one party to the others as provided in this Section 12. Delivery shall be <br />deemed made upon receipt of confirmation 'of the electronic notification. <br /> <br />Section 13. Complete Agreement: Amendment. Except for the obligations and rights of <br />Fihistar.and Public Depositor set forth in the Depositor Agreement between them, this <br />Agreement sets forth the .completeagreementof Finistar, Fiscal Agent and Public <br />Depositor with respect to the subject hereof and supersedes all prior. agreements, <br />understandings, agreements in principle and discussions between them with respect to <br />such subject matter. Except as specifically provided with respect to changes of <br />addresses, this Agreement may not be altered, modified or amended except pursuant to a <br />writing executed and delivered by Finistar, Fiscal Agent and Public Depositor. <br /> <br />Section 14. Governing Law: No Assignment. This Agreement is made in, shall be <br />governed by, and shall be construed under the laws of the State of North Carolina. <br />Neither Finistar, Fiscal Agentnor Public Depositor may assign or delegate (other than by <br />operation of law pursuant to a merger) its rights, responsibilities or duties under this <br />Agreement. <br /> <br />G-:~ <br /> <br />i <br />; <br />.J <br />I <br />I <br />I <br />, <br />