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201209880 designated a eUbsCitute noCioe ndch•ess by notioe to Lender. Borrowex ehnll promp[ly ciolify Lender of Borrower's change of address. If Lender specifies n procedm•e f'or reporting Borrower's chAnge of ndclress, than Borrower sha11 only reporC a cl�ange of address through th�t specified procedure. There may be only one designated notice adcLess under this Secwity InshmnenY at any one time. Any noEice to Leuder skall Ua given by delivering it or Uy mailing it by first class mail to l.ender's address stated l�erein nnless Le��dar 1�as desibuated anothcr addr�e by itotice to Borrower. Any notice in connc etion with this Seciu�ity Inslrun�en[s1��11 not I�e deemecl to have heen given to Lender until netunlly received by Lender. If any notice required Uy this Securiry Ii�stnunent is also required under ApplicaUle Law, Uie ApplicaUle Law requireinent wi11 satisfy flie cora�esponding rcquirctinent undcr thie Scc;urity Insh'ument. 16. Governing Law; Severabiliky; Rules of Construction. '1'his Security Hzstxuuieut shfdl be governed Uy federallaw and the 1aw of the jtiriscliction in which the Piroperty is located. All rights and obligaYions contained in this Security Instrumeut aaa suUject to a�iy requirements a�td linutations of tl�plicable Law. Applicable Law mig�hY explicitly or implioitly allow the p�trties to a�•ee by contrxct or it miglit be silent, bqf soch silence shall not Ue covstrued as a prnl�iUition against a�roan�cnt Uy contract. In tho evc��f that any provision or clauso of this Security ItvsWwnenC or Che Note oonflicts with Applioable Law, such eonIliot shall noC aPPect othec provisions of thia Security Insh•uinent or the Note wluch caii be given effect wiYhout the conflicting provision. As used in tlua Secw�ity L�struinent: (a)words of'the masculine gender al�all me�u� and include cortes�oi�ding neuter words or words of t1�e femininc�c2�dar; (b) worde in ilie singulnr shall mean�nci inehide Che phirnl and vioe versz; and(c) ehe worci "may" gives sole discretion without any obligAtion to take any action. 17. Borrow er's Copy. Borrower shall I�e given one aopy of the Note And oP this Security Inatrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used iii cliis Sectioti 18, "Inleresc in t�he Property" means any legal ox beneffcinl intexest in the Property, inelnding, but not limited to, those beueficia] inEeresta h•nnePerred in n bond for deed, contract for deed, instalhnent sales contraat or esorow agreement, the intent of which is the tranefer of fitle by Borrower at x fizfure date to a purchaser. If a11 or any part of the Property or any]nte�'evt in the Prope�ty is sold or t�ansferred(or if t3orrower is not a nat�iral person aud a beneficial inCeresC in Borrower is sold or h�ansferred)withoul Lender's prior wriLCen consenT, Lendar may rec�uire immediate payinent in f'ull of all sums sectiued by this Security Insta�mnent. However, tltifi optioi� ehall not 6c exeEcised by Le�ider iP ai�ch exeroise is�rohibited by Applicable Law. LPLender exercises this option, Lcnder shall givc Borrowcr noYicc oP acccicration. 'fhc noticc shall providc a period oP not lcss tl�an 30 daye fro�n hhe dnCe fl�e noSice is given in nocordanee will�i SecCion 15 witl�in which Borrower anuef pay all snms eemired by this Security Insh•ument. If Borxower fnils to pay these sums prior to Clie expiration of Yhis period, Lencler may urvoke any remedies peimitted Uy tlris Security Pnstrument without furthar notice or demand on T�orrawe�'. 19. Borrower"s Right to Reinstate After Acceleration. ff Rorrower i�,eets ccrtain coiiditions; Borrower shall ha�e fhe righC Co have enPorcement of this Security Ine[rument disoontimied at any Cime prior to the eacliest of: (a)five daye before sale of Yhe Properry purauant to zny power of sale contained in thie Securiry Hisk�mneut; (b) stiich oi�her pe�iod as Applicable I.aw n�iigl�t specify for tha termination of Rorrower's riglrt to reineCate; or (c) onh'y of a j'udgmenC enforoing this Seourily Instrumenk Those conditions are tihaf Borrowcr: (�)pays Lender �11 aums which theu would be due under this Security Inst�ume�it and the Note as if no aocelarA�tion hud oecurred; (b) oures any defaulC o4'any othar covenanCs or agreaments; (c)pays a11 e�enses incw�red in enPoroing this Secucity lnst�wi�eilt, inclnclit�g, but not limited to, r�easonable attorneya' fees,. proporly inspcction and valaaCiov feca, and oLher fcos incurred�for the purpose of protc.roting Lender's int¢rest zaoozoza NFARASKASingle Family�Fennie Mao/Fredtlio Muo UNIFORM INSTRUM MT Form 3428 1701 VM P� VM P6�NE1(1 T05) Wolfers Kluwer Financlzl Sefolces Pags 12 of 1]