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<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. Bonower 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. Bonower hereby waives all rights of homestead exemption in the Property.
<br /> 22. Hazardous Substances. Bonower shall not cause or permit the presence, use, disposal, storage, or release of any
<br /> Hazazdous Substances on or in the Property. Bonower 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 /> Bonower 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 Bonower has actual knowledge. If Borrower learns, or is notified by any governmental or
<br /> regulatory authority, that any removal, or other remediation of any Hazazdous Substance affecting the Property is
<br /> necessary, Bonower shall prompdy take all necessary remedial actions in accordance with Environmental Law.
<br /> As used in this paragraph 22, "Hazardous Substances" aze those substances defined as toxic or hazardous substances by
<br /> Environmental Law and the following substances: gasoline, kerosene, other flammable or to�cic 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 confened 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 forrh herein, all at the same time and in the same manner as
<br /> would be required if a sepazate request therefor had been filed by each of such persons.
<br /> IN WITNESS WHEREOF, Bonower has executed this Deed o rust.
<br /> !�( [SEAL]
<br /> RD LOU S HMIT
<br /> [5EAL]
<br /> LLEN RA S I T,
<br /> �
<br /> 230792(Rev 07) Page 5 (01/97)NE FR/ARM/PEL Deed
<br /> 888105/602
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