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EXHIBIT 3 <br />This Agency Promissory Note is hereby agreed to and executed on the date first set forth above. <br />"BORROWER" <br />AMCAL 1440 Santa Ana Fund, LP, a California limited partnership <br />By: AMCAL Multi -Housing, Inc. <br />a California corporation, <br />its Administrative General Partner <br />By: Las Palmas Foundation, <br />a California nonprofit public benefit corporation, <br />its Managing General Partner <br />Lo <br />13 <br />3-100 <br />