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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 s�Mc.) 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.] <br />BY SIGNING BELOW, Borrower accepts and agreed to the terms contained in this Security Instrument and in <br />any nder(s) executed by Borrower and recorded with it. <br />Below This Line for <br />(SEAL) <br />(SEAL) <br />STATE OF N �a County ss: kLL <br />On this 1 � day o (,( �-� , 2003, before me personally appeared <br />DeAnn E. Stubbs, person(s) to me known to be the person(s) described in and who executed the foregoing <br />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: Y61EMWrMr N*Mb <br />IT r.0iLi0�M <br />�r0eww. �. Ar0.10,2007 <br />Page 3 of 3 <br />NA �a <br />Notary ub is <br />