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��14�5751 �f the Loan is subject to a Iaw whi�h sets maximum loan charges, and tha� law is f�nal�y interpreted sa that the in�erest or n�her Ioan charges coliected vr to be collected in connection with the Loan exceed the permitted limi#s, then: (a} any such �oan charge sha11 be reduced by th� arnaunt necessary to reduce the charge to the permitted limit; and (b} any sums alrQady cnilected frnm �orrawer vvhich exceeded permitted limits will be refund�d tn Borr�wer. Lender may choose ta make this refund by reduc�ng the prin��pal nvved undQr the Note or by making a direct payment to Borrawer. If a refund reduces principal, the reduction w�ll be treated as a partial prepayment without any prepayment charge (whether ❑r not a prepayrnent charge is pro�ided for under the Note}. Borrower's acceptance of any such refund made by direct payment tv Barrower vvil�constitute a v�rai��r of any right of action Borrower might ha�e arising out❑f such a�ercharge. '15. No�i��s. A1� notices gi�en by Bvrrower or Lender in connectivn with this 5ecurity Instrument mus# be in writing. Any no#ice to Bnrrower in connection with this 5�curity �nstrument shall be dQemed to ha�e been given ta Borro�ver when mailed by firs�class mail�r v�h�n actually deli�ered tv BorrowQr's no#�ce address if sent by nther means. Natice �o any on� Bflrrawer sha11 constitute notice to all Borrowers unless App�icable Law expressly requires ❑therwise. ThQ notice address sha�l be �he Praperty Address unless Borrovver has d�signated a substitute notice address by notice to Lender. Borrower shal� promptly notify Lender of Borrovver's change �f address. If Lender specifies a pracedure fvr repor#ing Borrovver's change of address, then Borrovver sha��only report a�hange af address through that specif�ed prncedure. There may be only one designated natice address under this Security Instrument at any vne timQ. Any notice to Lender shall be given by delivering it or by mailing it by first class ma3i1�a Lender's address stated herein unless Lender has designat�d another address by notice ta Borrovtrer. Any notice in connec#ian with this Securit� �nstrument sha�l not be deemed to ha�e been gi�en to Lender until actually rece��ed by Lender. If any notice required hy this Security �nstrument is also required under Applica�le Law, the App��cab�e Law requirement will satisfy the carresponding requirement under this 5ecurity Instrument. "�fi. �o�ern�ng l.a�w; Se�e�ability; F�ules of Construction. This Security Instrument shalx be governed by federai law and the 1aw of the jurisdictian in wh�ch the Propert� is �ocated. A11 r�ghts and ab�igations contained in this Security Instrument are subject to any requirements and limitations vf Applicable Law. App�icable Law might explicitly or implicitly a1�ow the parties ta agree by contract ar it might be silent, but such silence shall not be construed as a prohibition against agreemQnt �y cvntract. �n the Q�ent that any pro�ision or c�ause nf this S�curity�nstrument ar the Note conflicts with Applicab�e Law, such conflict sha11 not affect o�her prv�isions of this 5ecurity �nstrument ar the Nvte wh�ch can be g��en eff�ct without the confl�cting prn�ision. As used in this Security Instrument: �a} vvvrds of th�masculine gender shall mean and include corresponding neuter words or words of the feminin� gender; (b} words in the singular sha�l mean and include the p�ura� and vice�ersa; and �c} the vWord "may" g��es svle discretion withaut any ob�igation to take any ac�on. '�7. Borrower's �py, Borrower sha11 be gi�en one copy of the Nnte and of this Security Instrument. �8. Transf er vf t he Property or a �enef icial lnterest in Borr�w er. As used in �his 5ec�inn 1 S, "interest in the Pr�p�rty" means any legal ❑r hen�ficial in�erQst in the Property, including, but nnt Iimited to, those bene�cia.� interests transferr�d in a band for deed, contract for deed, installment sales cflntract �r escrvw agreement, the intent af which is the transfer of title by Barrawer at a future date ta a purchaser. If a11 or any part of#he Property or any�nterQst in the Praperty is sold or transferred�or if Borravver is not a natural person and a beneficial in�erest in Barrow�r is sold or transf�rred} without Lender's prior �nrritten eansent, Lender may requir� imm�dxate payment in full ❑f all sums secured by �his 5ecurity Instrument. Havve�er, this optian shal�not be exercised hy L�nder if such exercise is prahihited by Applicable Law. �U�'E2394D115 Citihank 3.�83'19 V2 NEgRASltA-5ingle Famsly-Fannie MaelFredd�e Ma�UNIFORM INSTRLfMENT WITH MERS Fvrm 3Q28 7101 VMP Q VMP6A(AIE][7302]DQ Walters Itluw�r Financial Servi�es Page'I2 af 17