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200009760
<br />18. Loan Charges. If the loan secured by this Deed of Trust is subject to a law which sets maximum
<br />loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be
<br />collected in connection with the loan exceed permitted limits, then: (1) any such loan charge shall be
<br />reduced by the amount necessary to reduce the charge to the permitted limit; and (2) any sums already
<br />collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may
<br />choose to make this refund by reducing the principal owed under the Note or by making a direct payment
<br />to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment under the
<br />Note.
<br />19. Legislation. If, after the date hereof, enactment or expiration of applicable laws have the effect either
<br />of rendering the provisions of .the Note, the Deed of Trust or any Rider, unenforceable according to their
<br />terms, or all or any part of the sums secured hereby uncollectible, as otherwise provided in this Deed of
<br />Trust or the Note, or of diminishing the value of Lender's security, then Lender, at Lender's option, may
<br />declare all sums secured by the Deed of Trust to be immediately due and payable.
<br />20. Satisfaction. Upon payment of all sums secured by this Deed of Trust, this Deed of Trust shall
<br />become null and void and Lender or Trustee shall release this Deed of Trust. If Trustee is requested to
<br />release this Deed of Trust, all instruments evidencing satisfaction of the indebtedness secured by this
<br />Deed of Trust shall be surrendered to Trustee. Borrower shall pay all costs of recordation, if any. Lender,
<br />at Lender's option, may allow a partial release of the Property on terms acceptable to Lender and Lender
<br />may charge a release fee.
<br />21. Substitute Trustee. Lender may from time to time at Lender's discretion and without cause or notice,
<br />remove Trustee and appoint a Successor Trustee to any Trustee appointed hereunder. Without
<br />conveyance of the Property, the Successor Trustee shall succeed to all the title, power and duties
<br />conferred upon the Trustee herein and by applicable law.
<br />22. Waiver of Homestead. Borrower hereby waives all rights of homestead exemption in the Property
<br />and relinquishes all marital property rights in the Property.
<br />23. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or
<br />release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else
<br />to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two
<br />sentences shall not apply to the presence, use, or storage on the Property of small quantities of
<br />Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
<br />maintenance of the Property.
<br />Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit, or other
<br />action by any governmental or regulatory agency or private party involving the Property and any
<br />Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower
<br />learns, or is notified by any governmental or regulatory authority, that any removal, or other remediation of
<br />any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
<br />remedial actions in accordance with Environmental Law.
<br />As used in this paragraph 23, "Hazardous Substances" are those substances defined as toxic or
<br />hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other
<br />flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials
<br />containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 23,
<br />"Environmental law" means federal laws and laws of the jurisdiction where the Property is located that
<br />relate to health, safety, or environmental protection.
<br />NE Deed of Trust Page 5 Loan Number: 173 8881220805/0006673550
<br />230792 nedeed (Rev 08, 9 -00)
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