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Loan #: 002002963938 20 0 5 0 8 C S 9 Deed of Trust, continued U such indebtedness, and (vi) the benefit of the statute of limitations affecting the Property to the extent permitted by law. Any partial payment by Borrower or other circumstance that operates to toll any statute of limitations as to such person shall operate to toll such statute as to You. 23. Choice of Law. This Deed of Trust will be governed by the laws of the United States and (where not inconsistent) the interest rate laws of the State of California, and the procedural, deficiency, one form of action and foreclosure laws of the state where the Property is located. 24. Your Copy. You shall be given one conformed copy of the Agreement and this Deed of Trust. 25. Loan Charges Legislation Affecting Our Rights. If the Agreement is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Agreement exceed the permitted limits, then (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any such loan charge already collected from You or Borrower which exceeded permitted limits will be refunded to You or Borrower; We may choose to make this refund by reducing the principal owed under the Agreement or by making a direct payment to You or Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge due. If enactment or expiration of applicable laws has the effect of rendering any provision of the Agreement or this Deed of Trust unenforceable according to its terms, We may, at Our option, require immediate payment in full of all sums secured by this Deed of Trust and may invoke any remedies permitted by Paragraph 14. 26. Waiver of Homestead and Marital Rights. You waive all right of homestead exemption in the Property and all marital rights (whether provided by statute or otherwise) in and to the Property. 27. Trustee Exculpation. If this Deed of Trust is executed by a trust, You execute this Deed of Trust as trustee as aforesaid, in the exercise of the power and authority conferred upon and vested in it as such trustee, and it is expressly understood and agreed by Us and by every person hereafter claiming any right hereunder that nothing contained herein or in the Agreement shall be construed as creating any liability on You personally to pay amounts owing in connection with the Agreement or this Deed of Trust or any interest that may occur thereon, or to perform any covenants either express or implied contained in this Deed of Trust, all such liability, if any, being expressly waived, and that any recovery on the Deed of Trust or the Agreement shall be solely against and out of the Property by enforcement of the provisions of this Deed of Trust and the Agreement, but this waiver shall in no way affect the personal liability of any individual Borrower, co -maker or guarantor of this Agreement. 28. Substitute Trustee. We may, at Our option, from time to time, remove the Trustee and appoint a successor Trustee to any Trustee appointed hereunder. Without conveyance of the Property, the successor Trustee shall succeed to all the title, power and duties conferred upon the Trustee herein and by applicable law. 29. Reconveyance. After compliance with all requirements of the Agreement and payment of all fees due to Us, We shall request the Trustee to release and reconvey the Property to You. Trustee shall reconvey the Property without Warranty. You shall pay any fee legally charged by the Trustee for the issuance of reconveyance and all costs of recordation. 30. One Trustor. If there is only one person executing this Deed of Trust, You represent that You are []single or [] married. [Check one as applicable]. MB -2533 Deed of Trust - Nebraska - Rev. 6/2004 Page 6 of 7 CitiMortgage 2.9.0.51 V1