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<br /> �'. 13.I.aan Char�ey. If thc laan securrd by this Sccurlry[nstrument ls subjcct tu a law which scts mnximum loan charges, ' '�'�,.5�;:,P,A-.•;
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<br /> � and that Inw is finully interpreted so thet the lnterest or ather loan churges collected or to ba collcct�:d in conn��cdon with .�` ;�
<br /> the loan exceed the permitted lfmite,tl�en: (a)any such loun charge shnll be reduced by the nnwuut necessnry tn reduce�he
<br /> charge to the permitted Ilmit;nnd (b)any swns already collec:ted from Eiarrower which eaceeded permltted limits will be ` • •,`r�3�?:
<br /> ,Y�U1;�vs
<br /> refunded to Barrower. l.ender may choos�to rnake tbis refund by rcducfng thc principal awcd undcr the Note or by making .,<<�i�
<br /> � a direct payment to Borrower. If a refund reduces princlpal, the reduction will be trcatcd ns n pnrtial prepaymcnt without , ,�:�,�,;
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<br /> ' any Frepayment charge under the Note. � . ,_--- - ----
<br /> 14. Notiees. Any notice to Borrower provided fc,r in this S��curiry Instrument sha;l he given by delivering it a:bY ' "�-�A� •��..`�.
<br /> =k mailing it by first ciass mail unless applicable law requires usa of another meQwd. Tl�c noticu sball be dirccted ro the ;.. �, �..,,�,.,���_-
<br /> ,,,�,,.+K+ Property Address or eny ocher address Borrower designcttes by notice to Lrnder.Any nocice to Lender shall be given by Crst .�,±:�yS���!��.o.
<br /> •�.�M�•�'"'�'" clasa mail to L.ender's address stated herein or uny other address Lender designates by natice to Borrower. Any noticc: :����"'�'`'%��-=�:,..
<br /> � provided for in thie 5ecurtry Instrument shell be deemed to have been gtven to Bonower ar I.ender when given as provided � ___�___�n
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<br /> In this psuagraph. . ;•"°"'"-•�'
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<br /> `� 15. G�veraing Law; Severablllty. This Secudty Instrument shall be govemed by federal law a�id the luw of the ::.r;F,______
<br /> jurisdictioa in which the Property ia located.In the event that any ptovision or clausr of tlil�Securlty Insttument or the Note W,-_____•-----___
<br /> conflicts with upplicable law,such conflict shall aot affect other provislons of this Securiry Instrument or the Note which `'�.--
<br /> can be given effect without the conflicting provision.To this end the proviaions of this Security Instrument nnd the Note ate �_�„ti•_-
<br /> declared to be severable. o`:'`--
<br /> 16.Borrower's Capy. Borrow�r ehall be given one conformed copy of the Note and of this Security Instrument. ��";�v�
<br /> � 1.7.Trans[er oi the Property or a Beneficial Interat in Borrower. If all or any put of the Property or any interest
<br /> ��;__
<br /> ,� iu it Is sold or transfened(or if a beneficial interest in Bonower ie sold or transfened and Bc�nower is not a natural persoa) �r>=Y-__
<br /> without Ixnder's pdor written consent, Lender may,at its option,require immediate paymeat 1n full of all aums secured :,-_`__
<br /> � by this Security Instn�ment. However,this option shall not be exercised by Lender if exercise is prohibited by federal law ;•:;Y�
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<br /> as of the date of this Secudty Instrurnent. --._=
<br /> If Lender exercices this option. Lender ahall give Rorrower notice of acceleration.'[he notice shell provide a period -
<br /> µ� of not less than 30 days from the date the notice is dzlivered or mailed within which Borrower mrst pay all sums secured -_
<br /> by this Security Instn�meat. If Borrower fails to pay t heso sums p t ior t o t h e e x p i r a t i o n o f t h i e p eriod, Lender ma y invoke _ _---
<br /> �' any remedies permicted by this Sceurlty Instrument without funher notice or demand on Horrower. __
<br /> 18. Borrower's Rlght to Re[nstate. If Borrower meets certain conditions, Borrower shall have the right to have
<br /> enforc;ement of this Security Instnunent diccontinued at aay time pdor ro the earlier of: (a)5 days(or such other pedod as
<br /> � applicable law may specify for reinstatement)before sale of the Property pursuant to any power of sale contained in this _
<br /> - , �r�uriiy In;tnusient;or{b)pntry of a iud¢ment enforcing this 5ecurity Instiument.Those conditions are that Horrower:(a) ,�.-
<br /> pays Lender all sums which then would be due under this Securlty Instrument and the Note as lf no acceleration had E��
<br /> occnrred;(b)cures eny default of any other covenants or agrer.ments;(c)pays all expeases incuned in enforcing this Security
<br /> Instrument, including,but not limited to,reasonable attomeys' fees; and (d)takes such action as Lender may reasonably ��_
<br /> Cry�.,
<br /> require to assure that the llett of this 5ecurlry Inscr�menc�I.�nder's righ•.s in the Property end Boaower's obligation to pay -
<br /> the suma secured by this Secudty Instrnment shall continue unchanged. Upon reinstatement by Borrower, [�1�8 SCCllTIty _
<br /> Insuument and the obligations secured hereby shall remain fully effective as if no acceleiation had occuned. I�owever,this _
<br /> r�ght to reinstate shall not apply in the case of acceleration under paragraph 17. ,r
<br /> � 19.Sale of Note; Change o[Loan Scrvicer.The Note or a partial interest in the Note(together with this Secutity
<br /> Ins�rument)may be sold one or more times witl�out prior notice to Bonower. A sale rnay result in a change in the entity
<br /> (known as the"Loan Servicer")that wllects monthly payments due under the Nute and thla Secuxiry Insuument.There also
<br /> may be one or more changes of the Loan Servicer unrelated to a sale of the Note.If there is a change of the Loan Servlcer,
<br /> ' Bonower will be given written notice of the change in accordance with paragraph 14 alwve and applicable law.The notice _
<br /> • will state the name and address of the new Loan Servicer and the address to which paymente should Ue made. The notice _
<br /> � � will also contain any other informatioa required by applicable law. ^— —
<br /> 2p,Rezerdous Substances. Bonower shall not cause or permit the presence,use,disposal,storage,or release of any
<br /> Hazardous Substancx.s on or in the Property. Bonower shull not do,nor allow anyone else to do, anything affecting the �:i
<br /> Propeny that is in vlolation of any Environmental Law.Ths preceding two sentences shall not apnly to the presence,use, ___ __
<br /> . or storage on the Propeny of small quantities of Hazardous Substances that are generally recogniud to be appropriate to
<br /> nomial residenti�l uses and to maintenancc of the Properry. - _.
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