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"~F ",-< ,-'< reconvey the Pr.operty ,without warranty and without charge to the person or persons legally entitled thereto. Such person or persons shall pay all costs of recordation, if any. 21. Substitute Trustee. Lender, at Lender's opinion, may from time to time appoint a successor trustee to any Trustee appointed hereunder by an instrument executed and acknowledged by Lender and recorded in the office of the Recorder of the county where the Property is located. The instrument shall contain the name of the original Lender, Trustee and Borrower, the book and page where this Instrument is recorded and the name and address of the successor trustee. The successor trustee shall, without conveyance of the Property, succeed to all the title, powers and duties conferred upon the Trustee herein and by applicable law. This procedure for substitution of trustee shall govern to the exclusion of all other provisions for substitution. 22. Request for Notices. Borrower requests that copies of the notice of default and notice of sale be sent to Borrower's address which is the Property Address. Lender requests that copies of notices of foreclosure from the holder of any lien which has priority over this Deed of Trust be sent to Lender' s address, as set forth on page one of this Deed of Trust, as provided by Section 2924(b) of the Civil Code of California. 23. Statement of Obligation. Lender may collect a fee not to exceed $50 for furnishing the statement of obligation as provided by Section 2943 of the Civil Code of California. 24. . Borrower agrees that the property subject to this Deed of Trust shall be owner- occupied by Borrower, and failure to so occupy constitutes a default under the Deed of Trust and the Note. IN WITNESS WHEREOF, Borrower has executed this Deed of Trust. cj~b~ K~ 7