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20000;'764 <br />19. Legislation. If, after the date hereof, enactment or expiration of applicable laws have the effect either of rendering <br />the provisions of the Note, the Deed of Trust or any Rider, unenforceable according to their terms, or all or any part of <br />the sums secured hereby uncollectible, as otherwise provided in this Deed of Trust or the Note, or of diminishing the <br />value of Lender's security, then Lender, at Lender's option, may declare all sums secured by the Deed of Trust to be <br />immediately due and payable. <br />20. Release. Upon payment of all sums secured by this Deed of Trust, this Deed of Trust shall become null and void <br />and Lender or Trustee shall release this Deed of Trust without charge to Borrower. If Trustee is requested to release this <br />Deed of Trust, all instruments evidencing satisfaction of the indebtedness secured by this Deed of Trust shall be <br />surrendered to Trustee. Borrower shall pay all costs of recordation, if any. Lender, at Lender's option, may allow a <br />partial release of the 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, <br />or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to <br />normal 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 <br />Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or <br />regulatory authority, that any removal, or other remediation of any Hazardous Substance affecting the Property is <br />necessary, Borrower 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 <br />located 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 tiled by each of such persons. <br />IN WITNESS WHEREOF, Borrower has executed this Deeds off Trust. <br />VIOLET J. SHEEKS, <br />230792 (Rev 07) Page 5 (01/97) NE FR /ARM /PEL Deed <br />173 8881139064 <br />