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201106453 18. Foreclosure Procedure. If Lender requires immediate payment in till tinder paragraph 9, Lender may invoke the power of sale and tiny other remedies permitted by applicable law. Lender shall be entitled to collect all expenses inctured in pursuing the remedies under this paragraph 18, including, but not limited to, reasonable attorneys' fees and costs of title evidence. it the power of sale is invoked, Trustee shall record a notice of default in each county 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 notice of sale to the persons and in the manner prescribed by applicable law. Trustee, without demand on Borrower, shall sell the Property at public auction to tine highest bidder at the time and place and tinder 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. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in fall tinder Paragraph 9, the Secretary may Invoke the non,judicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act') (12 U. S.C. 3751 et seq.) by requesting a foreclosure commissioner designated tinder the Act to commence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under, this Paragraph 18 or applicable law. Upon receipt of payment of the price bid, Trustee 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 tine 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 t'rustee's fees actually incurred, not to exceed 5. 000 %of the principal amount of (lie rote at the time of the declaration of default, and reasonable attorneys' fees as permitted by law; (b) to all slims secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 19. Reconveyanee. Upon payment of all sums secured by this Security Tustrument, Lender shall request Trustee to reconvey the Property and shall surrender [his Security Instrument and all notes evidencing debt secured by [his Security Instrument, to Trustee. Trustee shall reeonvey the Property without warramy mid without charge to the person or persons legally entitled to it. Such person or persons shall pay any recordation costs. 20. Substitute 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 recorded in the county in which this Security Instrument is recorded. Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by applicable law. 21. Request for Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower's address which is the Property Address, 22. Riders to this Security Instrument. If one or more riders arc executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Clueck applicable box(cs)]. U Condominium Rider E-1 Growing Equity Rider U Other [specify] 0 Planned Unit Development Rider n Graduated Payment Rider FHA Deed of Trust -NF 0461105681 VMP® d 4199 Wolters Kluwer Financial Services /l , \r VMP4 RPag (0009) / I(Y ice_ (NF) 7 09)