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201209483 designated a substitute norice address by norice to Lender. Bonower shall promptly notify Lender of Borrower's change of address. lf I,ender specifies a procedure for reporting Borrower's change of address, then Borrou�er shall only report a change of address through that speclfied procedure. There may he only one designated notice address under this Sccurity Instrument at any o�rie time. Any notice to Lender shall be given by delivering it or l�y inailing it by first class mail to Lendei s address stated herei�l unless Lender has designated another address by notice to Bonower. Any notice in connection with this Seeurity Tnstrmnent shall nof be deeined to have been given to Lender until actuzlly received Uv Lender. If any notice requued by fhis Secuiity instnunent is also required under Ap�licabie Law, the ApplicaUle Law requirement will satisfy the coaespondiun xequiretnent under this Security Insh-wnent. 16. Goveming Law; Severability; Rules of Construction. This Security Instrument shall be govcrnzd by federal law and the law of the jurisdiction in which the Property is located. All rights and obligafions contained in this Security Instrmnent aze subject to any requirements and limitatipns of Applieable Law. Applicable Law might explicitly or unplicitly allow the parties to a�ree by aontract or iY might be sffent, but such silence sha11 not be constaied as a prohibition against agreement by confract. In the event that azry provision ar clause of fhis Seeurity Instnunent or the Note GonflicTs with Applicabla Law, such conflict ghall not a$ect other provisions qf this Security Instriunent or the Note wluch can be given effect without the conllicting provision. As used in this Security Instrument (a)words Of the masculine gender shall mean and mclude corresponduig neuter words or words of the femuiine gender; (U)words in the singulaz sha11 mean and include the plural and viCe versa; and(c)the word"may" gives sole discxetion without any obligation to take any aetion. 17. BOtTower's Copy. 13orrower shall be given one copy of the Note and of this Security Instnunent. 18. Transfer of the Property or a Beneficiai Interest in Borrower. As used in this Section 18, "interest in the Properry" means any legal or 6eneficial interest in the ProperLy, including, but aot limited to, those beneficial interests transferred in a bond for dced, contract for deed, installment saies contract or escrow agreement, the intent of wluch is the transfer of title by Boixower at a future date to a pucchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or iP 13orrower is not a riatural petson and a beneficial intexest in Borrower is sold or transferred)without L,ender's prioi written consent, Lender may xequire unmediate payment in full oF all sums secuced by this Security Instrument. However, this option shall not be exercised by Lender if suCh eYercise is prohibited bg Applicable Law. If Lcnder exercises this op[ion, Lender shall a ve Borrower notice of acceleration. The notice shall provide a �eriod of not less than 30 dzys from the date the notice is given In accordance witii Section 15 within wluoh Borrower must pay all sums securcd by this Security Insirument lf Boirower fails to pay Ihese sums prior to the expirafion of tTus period, Lander may invoke any zeinedies permitted by this Seciniry Instrument without further notice or demand on Borrower. 19. Borrowers Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Insttument discontinuzd at any lime prior to the earliest of. (a) five days before sale of the Properiy pursuant to any power of sale contained in this Seciuity Instr-ument; (b)sush other pariod as Applicable Law inight specify€or the tenninarion o£Borrower'e right to reinstatc; or(c) entry of a judgment enforcing this Security Insttument. Those conditions aze that Borrower: (a)pays Lender all sums which then would be due under this Sccurity Instrument and the Note as if no az;celera2ion had occucred; (b) eures anq default of any otker covenants or agreemeats; (e)pays all expenses incurred in enforcing this Securitg InstrumenY, including, but not llmited tq reasonable attomeys' fees, property inspecrion and vzluation fees, and other fees incurred for the purpose of protecting Lendei's interest zaaoz�is NE6245KA-Single Famlly-Fannie Mae/Fredtlie Wac UNIFORM INSTRUM BJT Form 3028 1/ot VMP� VMP6(NE](1105) W olters Kfumer Financial Services py9e�p of�E