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�oi�a�s�5 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrnwer prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specaify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days fram the date the notice is given to Borrower, by which the dcfault must be cured; and (d) that failure to cure the defanit on or before the date specified in the notice may result ix� acceleration of the sums seoared by this Security Instrument and sale of the Property. The notice shall further inform Barrower of the right to reinstate after acceleration and the right to bring a court action to assert the non�xistence of a default or any other defense of Borrower to acceleration and sale. Tf the default is not cured on or before the date specif'ied in the notice, Lender at its aption may require immediate payment in full of all sums secured by this Secnrity Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to wllect all expenses incurred in pursuxng the renr�edies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If the power of sale is invoked, Trustee shall record a notice of default in each wunty in which any part af the Property is located and shall mail copies of such notice in the manner prescribed by Applicable Law to Borrower and to the other persons prescribed by Applicable Law. After the time reqaired by Applicable Law, Trustee shall give public notice of sale to the persons and in thc manner prescribed by Applicable Law. Trustee, withont demand on Borrower, shall sell the Property at public auction to the highest bidder at the tune and place and under the terms designated in the nocice of sale in ane ar more parcels and in any order Trustee deterrnines. 'T'rnstee may postpone sale of aU or any parcel of the Property by public announcement at the lime and place of any previously schednled sale. Lender or its designee may purchase the Property at any sale. Upon receipt of payment of the price bid, Trnstee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses of exercising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred and reasonable attnrneys' fees as permitted by Applicable Law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or perscros legally entitled to it. 23. Reconveyance. LJpon payment of all sums secured by this Security Tnstrument, Lender stiall request Truslee to reconvey the Property and shall surrender this Security Instn�ment a►�d all nntes evidencing debt secured by Wis 5ecurity Instrument ta Trustee. Trusiee shall reconvey We Property without warranty to the person or persons legally entitled to it. 5iich person or persons shall pay any recordation costs. Lender traay cl�arge such person or persons a fee for reconveying the Praperty, but or�ly if the fee is paid to a d�ird party (such as d►e Trustee) for services rendered ar►d d►e charging of die fee is penuitted under Applicable Law. 24. Substitute Trustee. Lender, at its option, may from time to time remove Tnrstee and appoint a successor trustee to any Trustee anpninted hereunder by an instntment recorded in the cnunty in which this Security Instn►ment is recorded. Without conveyance of dte Property, die successor trustee sliall succeed to all die tide, power and duties conferred upon Trustee herein and by Applicable Law. 25. Request for NoUces. Bonower requests diat copies of the notice of default and sale be sent to Borrower's address which 'rs the Property Address. 001122308972 [001122308972] � RA5KA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WIT Q -6A(N� (oaio> Page 93 of 95 Indials: / Form 3028 1/01