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2� 1 �� 1 �24 1�a�1�� Secu��ity znstt��ment;�b�is t�a�persona�ly ol�liga��d�o pay the stx�ns sec�.�red by this Security��stt~��me�at; and (c} agrees �hat Let�der a�ld a��y other Borra�r�r cax� ag��ee to extend, rnndify, farbear or make a�1y accoi�.modatio�xs wi�h rega�d�o t�1e �erms nf�his Secu�ity��1s�rutnetat o��lae Note ujitllou��he co�sig�aer's cotlse�t. St�bject �o the provisions of Sec�ion �7, a�ay SL�cce�sor ��.a. �nteres� of Bazrower who assuz��es Borrower's ob�igati�ns under t11�s Sect�rity��s�rumen�in writi��g,alzd is apptaved by Le�der,s1�a�l oUtai��a11 of Barrowe�r's rigll�s and bet�efi�s �.�r�der �his Sec�.��,ity Tizstr�.�m�nt, Barrower s11a�I �Za� be re�easec� fram Borro�er's obligations a��c��xab��ity�.xnder�l1is S�c�.xrity Instr�.�menti�.��1ess Le�ider agrees�a s�.�c1�rele�.se in wri�ing, The cove��n�s ant�a��eements of this Sec�.�ri�y Iristrument sha�I bind�excep�as provided in Section �� and benef�t th�successors and assig�s�f Le�.der. 13. L4an Cha�°ges. L�nder may charge Borravver fees for serv��es pe�form.ec�in c�nnection w�th Borrower's def�.u��, for the pt�r�o�e of pratec�zng Lende�`s zzlterest xn t�.e P�•op�r�y and r�gh�s u�ader ��iis Sec�:�ri�y��ns�r�.trr�en�, incl�.�dingj bu�not lirnl.�ed to� a.�tor�.,�ys' fees,�raper�y inspec�zo�and va1��a�i��a fees. Letlde��may ca��ec� fees a��c� ch�.rges �.u��or��ed by �h� Secretary. Lex�dez may �aot cha�rge fees thati a�r� ex�ressly prahib�ted by this Security ziast�rument, or by App��able La�u. �f�1�e Loan�s s��bj ec�t to a lav�v�hiGh se�s m.axx�nu�r�i�a�.charges, atld�ha�la�r is f�nally in�erpreted sa tha��he ir�ter es1:ar other la�n ch��rges co��ec�ed or�o be col�ec�ed in canl��ctian wi�h�he Loan exceed�he �ermittec�. limits, �l�e��: �a� a�.y su�h loa�� cha�ge slaa�l be reduced by �he amn�.tr��necessar�to red�.�ce �he c�arg�to�he perrni�:�ed��mzt; azxd��} any sums already co��ected Fro�r�Barrower which excee�.ec�permi��ec� litni�s will be refi�z�d�c�to Barrower. Lender may choose�o mal�e this re�.��.d by redL�cing the prix�cipal owed �.Xnd�r��Ze Note�r by mal�ing�.dzrec�payme�t�o Borrower.If a ref�.�nd reduces�rincip�.1,�11e red�.tc�io��wi1l �e�reated�:s a pa�ti�.l pre��.ymen�wit��na changes in�h�due dat�or in t�e mor��1y paymen�ama�.�n��.�nless �he No��iold�r agr��s�n wri�i�.g to�hose�han�ges.�orro�ver's acGe��arice of any s�.�ch refund made by d�t•ec� pay�nen��o Bo�.:ow�r wil�con.��it��e a vvaiver af any right�f,actior�Borrower rnight have arising ou�af s�.�ch averchar�e, 14.l�oti�es.A�X nn�i�e� gx�en by Bor�ower or Lender in connec�ian tivith th�s Securi�y��s�r�.�nzent mus�be in wri�:xng, A�y r��ice�o Bortower in co�l�lectio��.vvi�h��iis Secur�ty Tnst�-ument shall be deemed to have bee11 given to Borrower whe�mailed by firs��Iass mai�or vvhetz ac�.�ally delivered to Borrower's�Zo�ice address if seilt by��;her rrieat�s.No�ice to aily o�ae Bo�-rower s�.all canst�tute notice to al�Bo�rro�ers unless A�plicab�e Law �xpress�y requi�es ��erwise. The il�tice �ddress sh�.�l be �1-�e Propertiy Address u�less Bor�owe�has �esig��atec� �.subs�i�ute no�ice ac�dress by notic��o Lender, Barravver sh�.11 prom��ly notify I�ende�:of F3orzower's ch�.nge of a�.dre�s. Tf Lenc�er specif�es a�rac�dLxre for repo�ting Barrower's ch�.�age of �.c�c�ress,�hen Borrowet sha��only repot�t a char�ge of address�h�o�.igl��a�specif�ec�praced�.xre.Tlaere may be . or�1y orie designated�o�ice addr�ss�.tnder�his Secttrity�nstrumen�:a�:�.ny one tixx�.e.A�.y no�ice to Lende�r sha11 be g�ven by de�ivering i�or by rnailing it by first e1�.ss rn�.il to Ler�der's�.ddress sta�ed h.er�iri u�less Lex�der has designa�ed ano�h��ad.dr�ss by no�ice t�Borrower.Any na�ice�n c�n�ection�vi�h�his Security znstrume�� sha1l r�at Ue cieern.ed t�ha�re l�ee�gi�en�a Lender L�ntil act�.�ally received by Len�ier.�f any nol:ic��ec�uxred by this Security�xa.s�ru��ry.e�t�s also reqt��r�d ur�der A��li�abl�Law,the Applicab�e Law rec�u�rem.e�a.t wx��sa��sfy the correspandi�.g r�qt�ir�r�e�.t t�nder�his S�cL�rx�y�nst��.�me�a.�, 15. Governx�� L�v�; Severa�xlx�y; lZu�es of�onstruc�xon. This Sect�r�ty �n��ru�nen.� sk�a�� be govet:r�ed by f�der�.l �a�t7v �.�d �he lavv flf the jur.is�iction ir�vv�zich�he Property is loca�ed, A1I righ�s and oUligatii�ns coiz�ained in �his S ecuri�y Instrumen� ar� sub j ect �a any rec��iiremen�s ar�d 1irni��:�ions af Applic�.ble Lativ. A.p�licabl�Law miglzt explici�ly or implicitly ai�ow�he p�.�ties to agree by con��•ac��r it migl��b�si1��t,bu�such siletl�e s1�a11 not be co�astrued as a pr�hibition against agreeme�at�by�or�tr�.ct,zn tiae FHA.Ne�r�sl�a Deed of T�°ust m�91�5 � � �938S.1I Page 1�of 15 ■ � � � �� i N �� i i i� �� .