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<br />19. Legislation. If, after the date hereof, enactment or expiration of applicable laws have the effect either of rendering the
<br />provisions of the Note, the Deed of Trust or any Rider, unenforceable according to their terms, or all or any part of the sums
<br />secured hereby uncollectible, as otherwise provided in this Deed of Trust or the Note, or of diminishing the value of Lender's
<br />security, then Lender, at Lender's option, may declare all sums secured by the Deed of Trust to be immediately due and
<br />payable.
<br />20. Release. Upon payment of all sums secured by this Deed of Trust, this Deed of Trust shall become null and void and
<br />Lender or Trustee shall release this Deed of Trust without charge to Borrower. If Trustee is requested to release this Deed of
<br />Trust, all instruments evidencing satisfaction of the indebtedness secured by this Deed of Trust shall be surrendered to
<br />Trustee. Borrower shall pay all costs of recordation, if any. Lender, at Lender's option, may allow a partial release of the
<br />Property on terms acceptable to Lender and Lender may charge a release fee.
<br />21. Waiver of Homestead. Borrower hereby waives all rights of homestead exemption in the Property.
<br />22. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
<br />Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the
<br />Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or
<br />storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal
<br />residential uses and to maintenance of the Property.
<br />Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit, or other action by any
<br />governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental
<br />Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory
<br />authority, that any removal, or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower
<br />shall promptly take all necessary remedial actions in accordance with Environmental Law.
<br />As used in this paragraph 22, "Hazardous Substances" are those substances defined as toxic or hazardous substances by
<br />Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic
<br />pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As
<br />used in this paragraph 22, "Environmental law" means federal laws and laws of the jurisdiction where the Property is located
<br />that relate to health, safety, or environmental protection.
<br />23. Substitute Trustee. Lender may from time to time in Lender's discretion remove Trustee and appoint a successor
<br />trustee to any Trustee appointed hereunder. Without conveyance of the Property, the successor trustee shall succeed to all
<br />the title, power and duties conferred upon the Trustee herein and by applicable law.
<br />REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE
<br />On behalf of each party hereto, Borrower requests that a notice of default and a copy of any notice of sale hereunder be
<br />mailed to each person hereto at the address of such person set forth herein, all at the same time and in the same manner as
<br />would be required if a separate request therefor had been filed by each of such persons.
<br />IN WITNESS WHEREOF, Borrower has executed d of Trust.
<br />JA , L. PICKEI
<br />PICKERING,
<br />230792 (Rev 07) Page 5
<br />(01/97) NE FR/ARM /PEL Deed
<br />173 88811/1281
<br />AL]
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