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201201749 _ _-- designated a �substituCe notice address by notice Yo I,ender. Boirower shall pxomptly �oeify Lender of Rorrower's change of address. If Lender specifies a proceciiu�e fox reporting Borrower's change of address, then Borrower shal l only ceport a chu�ge of address Chrougl� that specified procedw e. There may be only ot�e desig�nated noCice xddiess under this Security Instmment xt any one time. A�ry uotice to Lender shall be given by del�ivecing iC or by mailing it by first class mail Co Lender's addcess sfated herein uiiless Lendcx has designated another addtess by notice to Borrower. Any noCice in oomlection with fl�is Security Instrumenl shall not be deemed to laavc beeii giveu to Le��der unYil acYUally reeeivcd by Lender. If any notice required by this Security Inst�•umenC is also required under Ap�licable Law, the Applicable T,aw requiremene will satisfy Che corresponding requiremei�t under Ghis SecuriYy [atstrument. 16. Governing Law; Severability; Rules of Construction. This Security Tnsu2imei�t shall Ue governed by fedeia] law und tlie law of tlie jurisdicGon in which tl�e Property is located. All rights and oUligaYions contained in this Security InstruroenC az'e subject to ai�y requiremenls and limitations of Applicable Lnw. A�plicabLe Law might explicitly or implicitly allow the parties to agree hy contracC or it misht be silent, but such�silence shall not be construed as a prohibidoil against lgreement by con[rac[. Tn the cvcnt that any proviston or elause of this Securiry ]�fistrua��ent or the Note conflicts with Applicable Law, sucLi conflict sha11 not affect otl�er provisions o#�this Security Instiument or tl�e Note which can t�e g�iven effeG�.without I'he coi�Ylicting provision�. As used in this SecuciCy Instrome�t[: (n) words of the �iiasculizie gei�der sh2ll mean aud inchide corresponding neuter words or words of the feminine ge�ider; (b) words in the singular shall maai� and include Cl�e plural and vice versa; aud (c) the word "may" �ives sole discretioil withouC any obligation to take any acfion. 17. 6orrower's Copy. Rorrower sliall be given one copy of the Note and of fhis Seeurity Ii�suvmene. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in tliis Section 18, "Intereet in ihe Property" means any lega( or beneficial iuterest in the Property, iizcluding, 6ut uot limited to, dtose beneficial iiiterests transfened in a boiid for deed, contract for deed, installmenC sal�s coutract or escrow agreement, the intent of whicl� is tl�a transfer�of title by Borrower at a future date Co a purchascr. If aR ar any part of 11ie Properry or any Interest in the Properry�is sold oc transPerred (or if Borrower is not a natural persc�n and a Ueneficia] interest in Borrower is sold or transferred) without I.cndcr's prior wriCten coiisent, Lendee may require iirmiediate payment in ftill of all sunis securetl by tl�is SecuriCy Instrument. However, fhis option sl�nll noY be exercised by Lender if such exereise is prohibited bg Applicable Law. If Lender exercises Chis option, Lei�der shall give Borrower notice oP acceleracion. The notice shall provide a period of uot less t'han 30 days fxonx Cl�e�date the i�otice is given in accordance with Section 15 w'rchi� whiel� Borcower must pay all�ums secw�cd by fl�is Seeucity Instrmnent. If Borrowcr fails to pzy these swns prior Co the expiration o'F this period, Lei�der may invoke any remedies pecmitted by tliis SecuriYy Instrument wit�hout fw-t1�er notice or demand on Borrc�wer. 19. Borrower's Right to ReinsYate After Acceleration. If Borrower meets cectain conditions, Borrower shall have tlie right to have enPorcemeni.of this Sccurity Insh�ument discontimted at az�y time prior to lue earliest of: (a) five days before sale of the Propeiiy pm�suaut to any powar of sale coutained iu fhis Security Instrument; (b) sucli other period as ApplicaUle Law miglit speciCy 1'or I]�e termination of Borrower's right to i�einsCatc; or(c) entry of a judgmenC enforcing this Securify InsCrumei�t Tl��se condilions are thaC 73orrowcr: (tt) pnys Lender all sums wkiich then would be due under Chis Secm�ity Instrument and the Noee ns if iio acceleratiou had occurred; (b) cnres any defaulf of�any oeher covenants or agreemenCS; (c)pays all expenses incurred in enforcing this Securiry Instrumcnl, including, but not limited to, reasonable attorneys' fees, property ii�specCion and valuation fees, aud otlier fees incurrcd for the purpose of protecting Lender's intaresc za000ass NF.ftfiASKA-3ingle Family-Femle MselRedAie Mna UNIFOftM INSTRUMENT Form 3028 1/01 VMP OO VNiP6(NE��1061 Watre�s Kluwer Finenolal Sarvims Paye�2 ul 1]