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201009120 NO[�-UIwI1FORM COVENANTS. Borrnwer and �ender further cavenanl and agree as folZows: 22. Acceleratio�; Remeadies Lender sball givc notic� tv Borrawer prior to acceleratian following aorrower's tar�ach af any covenant ox agreement in this Security Instrument (but not prior to acoeleratian uader Se�ion 18 unless Applicable Law pravides otherwise). The notice shall sp�cify: (a) the default; (b) the action requi.red to cure the default; {c} a date, not less than 30 days from the date thc notiu is given to Borrower, by which thc default must be cured; and {d) that fnilure to cure the default on ar bcfore the date specifiad in the nat'rce may resuh �n acceEera#ion of the sums secured by this Security Ynstrument and sale of the Property. The notice shalt further inform Borrower of the right ta reinstate after acceler'ation and th� right to bring a oaurt aCtion to assert the non�xistence of a d�fautt ar a�y other defense �f Hbrrower to accclerateon and sa1e. If the defs�ult is not cure� an or befnre the date spccified in the natiee, �,ender at ita aption may r�quire immediate payment in full of al] suma s�cured by this Security Iastrumeaat wit�aut further demand amd may invoke the powcr of sale and any other rcmedics pe,rmitted by Applicabl� Law. Lender shaA be catitled to oollect all eatpens�s incurrcd in pur�uing the remedies provi�ed in this Sectian 22, including, but not lirnited ta, arrasonable attarneys' fees and custs of title evidence. If the pnwer of sale is invaked, Trustee shall record a notice of default in ea�ch a�u�ty in which any part vf the Prvgerty is located attd shal� mail c�gie� of such naticc in the naanner prescribed by A�glicable Law to Sarrower and to the ather parsons prescribed by Applicable Law. After the time required by Applicable Law, Trustee shall give public notice of sale to the gersans and in the manner prescribed by Applicablc Law. Trustee� withaut demand an Sorrower, shall sell t�e Froperty at public auctian ta the highest bidder at the time and ptace and under the terms dcsignated 'en the notice of sale in one or more parce]� at�d in avy order T'rustee determines. Trustee msy postpone sale af all or gny parcet af thc Praperty by public announcemcat at the time and }��ace of any previously scheduled sale. i,ender ar its d�signe� may putchase the Propexty �t aQy �ale. Upon ceceipt of pay�n�nt of the p�`ice bid Ttustee ahsll delxver to tbc purchaser T'rustec's dc�d co�veying the Property. The recitats in the Trustee's deed shall bc prima facie evidence of tb.e #ruth of tk�e statements made therein. Trustee shall apply thc procceds of the sa�e iuu the follawing arder: (a) ta all cosls and expenses vf exercisin� the power of sale, anc� the sala, i�►cludi.ag tbc paym.ent of the Trustee's fcc� aGtually incurred and reasonable attarneys' fees as permitted by App[icable Law; (b) to a!1 sums securcd by this Secu.rity Instrurneat; and (c) any excess to the person ar persons legally entitled to it. 23. Re�anveyance. Upon paymen! of all sums secur�ci by this Security Instrumen�, Lender sha�l reques� Tr►�stee to recanvey the Property and shall surrender this 5ecurity [nsWment and all nates evldencing debt secured by this Secur9ty [nstrument eo Truxiee. Trustee shall reconvey the Froperty without warraniy to the person ar persons legally entitled to ii, Such persan or gersans Sball pay any reCOrd�iiqn cosiS. Lender may charge such pCrsQri 4r persqns a fee fnr reconveying the Properiy, bu1 anly if the fee is paid to a tt�ird party (sueh as the Trustee) for services ren�ered and ihe charging af !he fee i5 permitted under Applicable C.aw. Z4. Substitute Trustee. C,ender, at it5 opiiori, may fram time to tizne reroove Truste� and app0int a successor trustee tn any Trustee appointed hereunder by an inswmEnt record�ed in ihe county in which this Sec��ity Instntment is recarded. W[thout canveyance of �he Property, the successor tru5tee shall succeed ta all the title, power and du�ies conferred up�n Ttustee herein and by Applica6�le Law. 2S. Request far Notices. Borrvwer request5 thai coptes of the natice of default and sale be set�t to Borrawer's address which is the Property Address. Q01122267433 CitiMartg�ge 3.�.42.[?7 V4 N�MISICA - SiRgle Fam��y - Fannie MaelFreddie MaC UI�IFqRM INS7�tL1M�hfT' 1M�f� �-6A�NE} �o��o� Pnge i3 or +s imtka�s: Fornl 3028 1f01