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�0110303� 1111058045 any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual Irnowledge, (b) any Environmentat Condition, including but not limited to, any spilliag, leaking, discharge, release or threa.t of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which advezsely affects the value of the Property. If Borrower learns, or is not�fied by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-LJNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shaII give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (bnt not prior to acceleration nnder Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is g�iven to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the snras secused by th�s Security Instrnment and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-earistence of a default or any other defense of Borrower to acceleration and sale. If the default is not cnred on or before the date specified in the notice, Len�ier at its option may reqnire immediate payment in fall of all sums secnred by this Secnrity Instrument withont further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. I.,ender shall be entitled to collect all expenses incurred in pursuing the remed�es provided in this Section 22, including, but not limited to, ceasonable attorneys' fees and costs of Htle evidence. • If the power of sale is invaked, Trustee shall record a notice of defanit in each connty in which any part�of 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 required by Applicable Law, Trustee shall give public noHce of sale to the persons and in the manner prescribed by Applicable Law. Trustee, wiEhout demand on Borrower, shall sell the Property at public auction to the highest bidder at the nme and place and under the terms designated in the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. . Upon receipt of payment of the price bid, Trastee shaIl 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 there3n. Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses of egercising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred and reasonable attorneys' fees as permitted by Applicable Law; (b) to all sums secured by this Secut7tty Instrument; and (c) any egcess to the person or persons legally entitled to i� 23. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to reconvey the Property and sha11 surrender this Security Instrument and all notes evidencing debt secured by this Security Inshvment to Trustee. Trustee shall aeconvey the Propeaty vv�thout warranty to the person ar persons legally entitled to i�. Such person or persons shall pay any recordation costs. Lender may charge such person or persons a fee for reconveying the Property, but only if the fee is paid to a third pariy (such as the Trustee) for services rendered and the charging of the fee is permitted under Applicable Law. � 24. Substiiute Trustee. Lender, at its option, may from time to time remove 'Trustee and appoint a successor trustee to any Trustee appointed hereunder by an instrument zecorded in the county in wluch this Security Instrument is recorded. Witfiout conveyance of the Property, the successor trustee shall succeed to all the title, power a.nd duties conferred upon Trustee herein and by Applicabie La.w. 25. Request for Notices. Bonower requests �that copies of the notice of default and sale be sent to Borrower's address which is the Property Address. NEBI2ASI{A--Single Family—Fannie MaelFreddie Mac iJ1HIFORM INSTRUMENT Modified for VA e� 338.2 Page 11 of 12 Form 3028 U0�