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2001042'7 <br />NON - UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: <br />7, Acceleration; Remedies. [See instructions for state specific language] <br />[The following language is mandatory in all cases.] If the Lender's interest in this Security Instrument is held <br />by the Secretary and the Secretary requires immediate payment in full under the Paragraph 7 of the Subordinate <br />Note, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure <br />Act of 1994 ( "Act ") (12 U.S.C. 3751 et se g.) by requesting a foreclosure commissioner designated under the Act to <br />commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall <br />deprive the Secretary of any rights otherwise available to a Lender under this paragraph or applicable law. <br />[Add any state - specific paragraphs in accordance with attached instructions and the current edition of HUD <br />Handbook 4165. 1, Chapter 4.1 <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in <br />any rider(s) executed by Borrower and recorded with it. <br />Witnes es: <br />t AF <br />(SEAL) <br />Richard R. Williams Borrower <br />Wa 0, WM, <br />(SEAL) <br />Stacie A. Williams Borrower <br />Below This Line for Acknowledgment] <br />STATE OF County ss: <br />On this 2 day of �,� (� , 2001, before me personally appeared <br />Richard R. Williams, Stacie A. Williams person(s) to me known to be the person(s) described in and who executed the <br />foregoing instrument, and acknowledged that HE /SHE executed the same as HIS/HER free act and deed. <br />IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my official seal in the COUNTY <br />and State aforesaid, the day and year first above written. <br />My Term Expires: 9:mm ka <br />3 <br />Page 3 of 3 <br />II I -3 <br />�, #kM- Lb / 4, �Iqtdt", <br />Notary Public <br />