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201210796 desiguated a substitute noNce address by notice to L.ender. Borrower shall promptly noti£y Lander of Borrower's chazige oP acidre;as. If Lender specifleR a procediu�e for reporting Borrowcr"s cl�attge of address, then Borrower shell only xeport a chnnge of address through thnt speeifiecl prooedure. 'Phere may be only one de.signaCed notice addrees under this Security Insfruinent at any one timc. Any nofieo to Lender shnll be givet�by delivering it or by mailing it by firsY clase mnil to Lender's nddress etated herein unless I,ender h�.s designated�uiotl�er address by uotice to C�oirower, Any nofice in coi�vection wiUi til�is Sccurity IneCrwncnt sl�all noC be deomed Co have been given ta Lender imtil aetually reeeivc d by Lendez'. IP Any notiee required by this Secuxity InaYrument ie also required under Applicable Law, the AppficaUle L�w requirement will satisfy 11ie corresponding reqttirement under this Securitiy Listrmnent. 16. Governing Law; Severability; Rules of Construetion. T1�is Security Instrument shall Ue governed Uy federal 1aw and the 1aw of thc jurisdiotiori in which the Pr�perty is located. All rights �nd obli�;aYions cantained in Chis Security U�sfruinenh are subjech to any requiremetite and lin�iCntiona of Applioable Law. Applicable Law might explicitly or irnplicitly allow the parties to agree by contraot or it might be silent, but such silence shall noti be constiuecl as a prol�ibition agaiust agree�nent by cont��act. In the evenf tl7at any provision or claus�of this Security Instrumeiiti or Uie Note conPliets with Applioable Law, such conflict shall not n�Cfect other provisions of this Security Instcnment or the Note which cen be given efFect without the conflicting provision. As used in tlus Security Iustrwnent: (a)words of the masculine gender shall mean and include correspoudiug neuter words or worde of the feminine gender; (b) words ui T7ie sing�tlar shall mean and(nclttde the plural and vioe vcrsa; and(c) tl�e word"may" gives solo discrefion without ttny obligation to take any acHon. 17. 8ofrower's Copy. Rorrower shall Ue given one copy of the Nofe and of this Security InsU'wnent. 18. Transfer of Yhe Property or a Beneficial Interest in Borrower. As used in this Seccioxi 18, "Interest in thE Property" incans ttnq legal or bcnoficial interest in thc Property, inc1uding, bnt not lunifed to, Chose benefioial intereste tr�naferred in a bond for deed, oontracC for deed, in.gCallmcnt eales contract or oscrow agreement, the inteiit oF which is the Iransf'er of title by Borrower at a future date to a purch�ser. If�11 or any part of Che ProperCy or any Literest in flie Property is sold or tr�nsferred (ar if Borrower is nof a natural porson and a bcn�ficia1 ii�tcrest in $on�ower is sold or transferred}without Lender's prior written oonsent, Lender may require itmnediate payment in full of'all sLuns secured by this Sectuity Insfnimerit. However, this option shall not Ue exercised Uy Lender if such exercise is prohiUited Uy Applicable Lnw. If Lendar exercises this option, Lender shall give Borrower notice of accelerntion. The notice shnl]provicie a period of not less than 30 days from tl�e date the notice is given in accordanca wi(1i Section 15 witihin which Borro�ver nn�sC pny all simvg �ecm•ed hy Chis Seciu�i6}�In�li�umcnt. If Borrower fails to pay these sums prior to the expi�ation of this 17eriod, Lencler may invoke zny remedies pextuit�ecl 6y this Seourity Instrumeut without ftirther notice or deinand on Ron ower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower ineets certain couditions, Borrower shall have Che righl lo ha�e�iPorceivenC oP thie Secwity Instruineirt discontinued at auy time prior to tha enrliest of: (a)five clays before sale of the Property ptirsuant to any power of eale oontaincd in t7�is Security Histrument; (b) such otlier period as Applicable Law mig4it specify for the tennination of Borrower'e righC to reinsfate; or (c) entry of a judgment en£orcing this Sectuity Inshuinent. Those conditions are thflt Bonower: (a)pays Lcnder all stitms wl�ich thcn wou1d be due undee this Security Instruinenti and the Note as if no ncceleration hnd ocet�rred; (b) cnres any c{efaull of any other covevante or ngreements; (c)pays all e��enses inew�red iir enforcipg tl�is Security Instrwnent, including, but not limited to, reasona6le attorncys' fcc s, property inspection and vnluation fees, and other fees incm�red for Uie purpose of proYecting Lender's interest zaooao�e N[oRFlSICASinglc Family-Fannle M ac7Freddie M ac UNIFORfd INSTRUA4 ENT form 3020 1/a1 VM P(� VM P6(NE1(71 D6) Wollers Kluwer f-inancial Services Pege f2 of 1➢