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200905789 <br />If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in <br />full under paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage <br />Foreclosure Act of 1994 ("Act") (12 U.S.C. 3751 et seq.) 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 deprive the <br />Secretary of any rights otherwise available to a Lender under this paragraph 1$ or applicable law. <br />19. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to <br />reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security <br />Instrument to Trustee. Trustee shall reconvey the Property without warranty and without charge to the person or persons legally <br />entitled to it. Such person or persons shall pay any recordation costs. <br />20. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to <br />any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. Without <br />conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein <br />and by applicable law. <br />21. Request far Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower's address <br />which is the Property Address. <br />22. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this <br />Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants <br />and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. <br />[Check applicable box(es)] <br />Condominium Rider OGrowing Equity Rider <br />Graduated Payment Rider []Planned Unit Development Rider <br />[]Other(s) [specify] <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) <br />executed by Borrower and recorded with it. <br />Witnesses: <br />(Seal) <br />KYLE A. UTTLES -Borrower <br />(Seal) <br />-Borrower <br />(Seal) <br />ASHL Y M. D CHER -Borrower <br />_ (Seal) <br />-Borrower <br />GCC - 7 590.6NE (08/97) Page 6 of 7 <br />