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agree, including electronic mail. Without limiting the foregoing, first -class mail, facsimile transmission and commercial courier service are hereby agreed to as acceptable methods for giving Notices. Regardless of the manner in which provided, Notices may be sent to a party's address set forth below or to such other address as any party may give to the other in writing for such purpose in accordance with this Section: If to Bank: If to Creditor: If to the City: If to Borrower: If to Mezzanine Borrower: 1616593v10 (4982- 95337) PNC Bank, National Association 101 West Washington Street Mail Locator I 1- Y013 -01 -3 Indianapolis, IN 46255 Attn: Sarah E. Beeson, Vice President The Housing and Redevelopment Authority in and for the City of Ramsey, MN Ramsey Municipal Center 7550 Sunwood Drive Ramsey, MN 55303 Attn: Executive Director City of Ramsey, Minnesota Ramsey Municipal Center 7550 Sunwood Drive Ramsey, MN 55303 Attn: City Administrator F &C Ramsey Apartments, LLC 8900 Keystone Crossing, #1200 Indianapolis, IN 46240 Attn: David M. Flaherty F &C Ramsey Member, LLC 8900 Keystone Crossing, #1200 Indianapolis, IN 46240 Attn: David M. Flaherty 22. Preservation of Rights. No delay or omission on Bank's part to exercise any right or power arising hereunder will impair any such right or power or be considered a waiver of any such right or power, nor will Bank's action or inaction impair any such right or power. Bank's rights and remedies hereunder are cumulative and not exclusive of any other rights or remedies which Bank may have under other agreements, at law or in equity. Nothing in this Agreement is intended to modify, alter, reduce or impair any rights which Bank or Creditor may have against Borrower and /or Mezzanine Borrower under the Loan Documents or Creditor Documents, respectively, or under any other agreement between them, or either of them, and Borrower and /or Mezzanine Borrower. 10