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201306107 <br />only to mortgage, grant and convey that Borrower's interest in the Property under the <br />terms of this Security Instrument; (b) is not personally obligated to pay the sums <br />secured by this Security Instrument; and (c) agrees that Lender and any other <br />Borrower may agree to extend, modify, forbear or make any accommodations with <br />regard to the term of this Security Instrument or the note without that Borrower's <br />consent. <br />4. Notices. <br />Any notice to Borrower provided for in this Security Instrument shall be given by <br />delivering it or by mailing it by first class mail unless applicable law requires use of <br />another method. The notice shall be directed to the Property Address or any other <br />address Borrower designates by notice to Lender. Any notice to Lender shall be <br />given by first class mail to: Department of Housing and Urban Development, <br />Attn: Single Family Notes Branch, 451 Seventh Street, SW, Washington, DC <br />20410 or any address Lender designates by notice to Borrower. Any notice <br />provided for in this Security Instrument shall be deemed to have been given to <br />Borrower or Lender when given as provided in this paragraph. <br />5. Governing Law: Severabiiity. <br />This Security Instrument shall be governed by Federal law and the law of the <br />jurisdiction in which the property is located. In the event that any provision or clause <br />of this Security Instrument or the Note conflicts with applicable law, such conflict <br />shall not affect other provisions of this Security Instrument or the Note which can be <br />given effect without the conflicting provision. To this end, the provisions of the <br />Security Instrument and the Note are declared to be severable. <br />6. Borrower's Copy. <br />Borrower shall be given one conformed copy of the Note of this Security Instrument. <br />NON - UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: <br />7. Acceleration: Remedies. <br />Lender shall give notice to Borrower prior to acceleration following Borrower's breach <br />of any covenant or agreement in this Security Instrument (but not prior to <br />acceleration under Section 3 unless Applicable Law provides otherwise). The notice <br />shall specify: (a) the default; (b) the action required to cure the default; (c) a date, <br />not Tess than 30 days from the date the notice is given to Borrower, by which the <br />default must be cured; and (d) that failure to cure the default on or before the date <br />specified in the notice may result in acceleration of the sums secured by this Security <br />Instrument and sale of the Property. The notice shall further inform Borrower of the <br />right to reinstate after acceleration and the right to bring a court action to assert the <br />non - existence of a default or any other defense of Borrower to acceleration and sale. <br />If the default is not cured on or before the date specified in the notice, Lender at its <br />Page 3 of the Subordinate Deed of Trust <br />• m er initial Lines <br />* Please add the appropriate number of initial lines �'T signatory over 4 <br />