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2� 1 ��4�38 <br /> , <br /> L�]AN#: 'I CD�USF�Z�G�S <br /> ' p�rm����d lir�nits �i11 b� refur���e� t� Barr���r. L�nder ma� chaose �o mak� this refund by r�du�ing �h� <br /> princ�p�f ��nr�d under�he hla���r by making � �irec�payrn�n��a �orro�er. If a r�fun� reduces prin�ipal, <br /> the reduc�ion ��11 b� trea�ed as a par�ia� pr�p��ment�vi�h n� chang�s in �h� ��e da�e�r �n �he �nn��l� <br /> �a�m�nt arr�vun� un��ss�h� Na�� hald��a�rees in �ri�ing �� thase ch�nge�. Ba�ra�v�r�s accept�n�e o� <br /> any ��ch refund m�d� b� di��c�pa��n�n��a �vr�ow�r rnr�ll �ons�itu�e �r�ai�er af�ny rig�t Qf ac�io� ��r� <br /> r��rv�r mi�ht have ari�ing o�f nf s�ch overc�arge. <br /> '14. No�dCe�.}�II n�tices giver�by E�orrower o���nder in c�nn�c�ion�ith�his SeGuri�y ln��rum�nt rrtu�� <br /> b�in�riting.Ar�y r�Q��ce�o Bv�r��e�in conneG�i���i�h�his Secur��y �r�strumen�shall be d��med�o h��� <br /> been given �� �orrow�r�hen ��il�d by first c�ass �nail or�hen ac�u��l� de�ivered �o B�rro�►ver's no�i�e <br /> addre�s i��enfi by a�her me�ns. N��ic��a any o����rro�er s�all��n�ti�u�e no�ic�to a�ll B��ro�er�ur�l��s <br /> App�icab�e La��xpr�ssly req�ires��h��w�s�. The nofiice �d�re�� �hal1 be t�e P�a�er�y Ad�res� ��less <br /> Bor���rer has de��gna��d a sub��itu�� notice�d�ress by n��i�e t� Lender. �arro�rer��a�l prornp�f� �o��fy <br /> Lender of Bar���er's chang��f addr�ss. I�L�r�d�r�p�cifies a pr�ce�ure f�r repar�in� �orra�er'��h�r�ge <br /> of�dd ress, �h�n Borro�nrer shall or�l�1 rep�r�a change ofi add r�s��h rau�h that sp��ifie� pr�ced u r�.�Th��� <br /> may�e on(�on�d�signa��d no�ice�ddress und��fihis Se�ur�fiy Ins�rumen��t�n�on��irn�.An�no�i�e�a <br /> Lender shal� �c�iver� by de�iverin� ��or by mai�ir�g �t by fir�t�I�ss m�il�o Lender's ad�ress st���d her�in <br /> unle�s L�nd�r ha�desi�na��d ��t�o�her addres�b�n�tice�o B�rrav�e�.Ar�y nofi�ce in eonne��ia��i�h this <br /> �ecuri� Instrum�ent�hall nof be���med t�haWe b�en g���n�� L�nder un�il ac��ai�y���eived �� Lender. <br /> If any no�ic� required by ��is ��curifiy Insfi�umer�t is aiso r�quir�d und�r Ap���c��l� L��nr, �he�pp�icab�e <br /> La��r�q�irem�n��i�l �a�i�fy�h�corre�par�d�ng r�quir�m�nt und�r fihi� ���uri�y �r�s�rum�nt. <br /> ��. �overni�g La�nr; Se���r�lbitdt�; �.ui�s a�f��n�trt���i�n.This S�curi� Ir���rumen�sh��ll �e gav- <br /> erned b�f�de�a[la�and�h�la�of�he juri�d�ction�n�rhicl��h�Pr�p�rty i��oca���.AI�righ�s and�b�iga�ians <br /> con�a�ne� �n this Secur��� �n��rum�nt are su�j�c��o an� re�u�rement� �nd 1�mi�a�i�n� of Applic�ble L��. <br /> Appli�able L�w might exp�icit�y ar im��icitly�Ilo�v�h� parti���o a�r��b�cor��rac�or i�m�gh����ilent, bu� <br /> �uch silenc��hall r��t�e�on�trued as a�r�h��itiar�a�a����ag�eem�nt���ontract. In�he even�that an� <br /> prn�ision or clau�e af�his Se�urity Ins�rum�nt or the No�� conflict� �vi�h �pplicab�e La�nr, �u�h c�nfli�� <br /> sha�l n�t aff��t ather pro�i�ion�of this�e�uri� Ins��umen�ar�h� Na�e►;►�rhich c�n b�given �ff�c��nr��h�u� <br /> th�confiic�ing p�avision. <br /> As used in this S��c�rity ins�rurn�r��; �a� �vords �f�h� ma�culine �end�r sha�l me�n an� �nclude <br /> corresp�nd�ng n�u�er�vflrds orr�a�ds of���f�mi��ne��nder; �b}�r��d� �� the�in�ula�rsha�l m�an �nd <br /> �r��lud��he p�ura� and �ric���r�a; a�d �c} �h�v�ord "ma}�" �ives sal� discre�i�n �rithaut a�� ���igatiar� <br /> to tak� an� ac��an. <br /> '��. Borr�v��r'�Cr���.Borro�e�shall be gir�en�ne copy af�he[�ot��n�of�his Se�ur��y In��rum�n�. <br /> �?. Trans��r of�h� Propert� �r � �en�ficia� �r���rest in IBorr�w�r. As used in �hi� ��ct�an ��, <br /> "�nt�res�in �he IPr�pe�ty" me�ns an� iegai ar b�nefic��l int�re��in�h� Pr�p�rty, including, bu�nv�ii����d <br /> �o, �ha�e b�neficial ir���r�s�s tran�f�rr+�� in a �ond f����ed, co�fira�����deed, ins�ai��er��sales�antrac� <br /> ar�scro�nr agr��m�n�,�h�int�nt af�hieh is�he tr�nsf��of fi��le b���r��v��r at a fu�ure dafie to a purehaser. <br /> If all�vr a�y part�f t��e Praper�r or ar�y�n��res��n�I��Pr�p�rt�is s��d ar transferr���or if E�orravver is nat <br /> a na�ural pers�n�nd a beneficial infi�re��in E��rro�r�r is sol�or�ransfe�r�ed}�vi�haut L��der's prio�v+�ri���n <br /> �ar���n�, Lend�r may requ�re imm���ate p�ymen�in ful� of a�!sum��ecured by�his Secu�it� Instru�nent. <br /> Hov����r, �his a��i�n �h�l� na� b� �x��cis�� by L�r�d�r if suc� �xer�i�� i� �r�hibi�ed b�App�ic�ble La�. <br /> If L�nder ex�rci��s �h�s opti�n, L�nd�r sha�� ���r� ��rrower no�ice ��a�c�l�ra�ivn. Th� noti�e �hall <br /> �r��ide a per�ad of nn�less than 3a da�s from�h�dafe th� no�ice is�i��n i� accord�n�c����h �e��i�� �� <br /> �i�hin�vhich Borro��r mus�pay al�sums s�cur�d by�h��S�cur�t��r�s�rum�n�. ifi�orr��ver fa�l��o pa�fh�s� <br /> sums p�io��v �he ��pira�ion �f�h�� p�riod, L��der rr�a� in�roke �n� rem�die� p�rmit�ed b� �his S�curify <br /> Instrument�ri�h�u�f�r�h�r n��ic�e o�d�mand ar� �o�rainrer. <br /> 'i�. �c�rr��nre�'� R��ht t� �ei��tat�Aft�r�����eratio�. If Bor�ovv�r rne�ts ce�ta�� �ond��iar�s, E3�r- <br /> rower sh�ll h�ve�he right t� rei�sta�e�nen��f a mor��ag�. Th�s�con�itian��r����t Borr��er: �a} pa�s <br /> Le�d���1���m��rvhich then v�r�uld �e due und�er�h�s�e�u�i�� �n�t�um�n�and�h� h��te as if na��c��ler�- <br /> t�on had a���urred; �b} cu�es ar�y d�faul� af an� o�her ��ven�nt� ar agr�em�nt�; �c� p�ys all e�pen�e� <br /> incurred �n enfarc�ng �his Se�uri�� �nstrum���, includi��, but not limi�ed �Q, rea��n�b(e at�o�n��s' fe��, <br /> prop�r#y ir�spect�on and ►�alua�ian fe�s, �nd ��he�fee� in�u�red far�he purp��e ❑f protec�ir�� L�nde�'s <br /> int�re�� �n �h� F��o�er�y and r��ht� und�r�his 5ecuri� �nst�umen�; �r�d �d� ��kes suc� a��ion as Lend�r <br /> rn�� �eason�b�y require �o a�sur� �ha� Ler�d�r's in�er�s� in the Pra��� �nd righ�s under�his Se�uri�� <br /> �n��r�um�nt,�nd�vrra�er's ol�[iga�ian t�pa��h��u�s sec�red�y fhi���curi��Ins�rum�n�, ��all can�inu� <br /> unch�n��d. Hvr�r�ver, Lend�r is nQ�requ�red �Q ��ins���e if: �i} L�r��er has acc�p�ed rein��a�eme���f�er <br /> t��c�m��ncemen�of f�reclo�ure pracee��ngs�i�h�r��v�ro ye�r�i�rn�di���ly pr�c�ding�he�o�nm�r�c�- <br /> m�n�of a curr�n�far��l�sure p�a����i�g�; ��i}reins�a�ement w�ll pre��ud�forecl�sure on�ifferen��rounds <br /> i� fih� future, or ��ii} r�ins�ate�nenfi�il� �dverse�� �f���� f�� pr�ori��r �f��e lien �r�a�ed by �hi� ��cur��y <br /> �r�strument. Len��e� may require �ha� Bo�r�v�ver pay suc� reir������men� s�ms and exp�nse� i� ane ar <br /> r���e of the�olla�rir�g fQrms, as se�ec��d b� L�nd�r: �a} �a��; �b� maney �rde�; �c� c�r#i�ied �h��k; �ank <br /> check,��easurer's ch�ck or�ashi�r's check, provided any suc�check�s dra�n up�n�n ins�i�u�ion wh�s� <br /> dep�si�s are insured by a federal ag�nG�, ins�rumer��a�ity�r en�i��; or�d}Electr�ni�F€�nds Transfer U�on <br /> r���s�atem�n� �y Borrower, ��is �ecuri�y ln��rumen� an� �bliga�i��� s�cu�ed �ereb� �hal[ rem��n full� <br /> effect�ve as�f na a�cele��ti�n �a��ccurr�d. Ho��Wer, �hi�ri���t�rein�ta��sha�i n��appl}�in��e case of <br /> �cceler�t�on under Sec�iar� ��. <br /> IVEB�4SK►�4--S�ngle FamiEy-�Fannie I�ael�r+eddi��ac Llhl�]F��I�f�STRUi�Eh�T ��rm 3(�ZS'If�'I r N <br /> �11ad�fed fo�FHA 91�0�4{HI�D Han�book 40aQ.�} Initia�s: �� <br /> Eliie Mae, �nc. Page 8 of 11 NEEFHA'�5DE �9�5 <br /> NEE�EED��LS} <br /> � <br /> . . <br />