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2� 1 ��8��5 <br /> �4, ��a�a. �h���. Len�.er �m.a� ��.arge Borro�e� ���s �ar �ear�rices perfo�ned in <br /> �o�e�t�.�n �r��h B�a�r��r�r'� ae#`au7�, �or �i.� ���se of pr�te�#�.g I��nde�'s �n�e�es� i.� �he <br /> 1'r�pert�ar�d r�g�h�s �n�.�r�s S��ur�t�r I�a�t�xm.�nt, ir�c���ng, ����.o��mit��. ��, a�tvrne�s' fee�, <br /> proper�r insp��t�an �d valuatio� fees. Ix� reg�rd �c� an� a�her f�e�, �h� ������� af ��-pres� <br />� �uthar��r � �� S��u�ri.ty I�str�me�a��� charg���p���.c f�e �o B��r��rer�ha� �zo�b� c��s�ru�d <br /> �s �. proh�i.bi�an ��. �.xe charging of s��h ���a Len�.e� �na� no� c�arge f�es that �r� expr�s���r <br /> pro�u�i�ed by this S�curi�Ins�x-u�e����r��A��l��ab�e�a�r. <br /> If the�oan is suba�ct�o a 1a�r�r�ch���s ma�a.�m.loan �h��es, ar�d tha#�a�r�s finall� <br /> �n����re�ed �a tha� �a.� in�eres� ar �tb.er �aa:� +c�.aar��es c��.ect�� �r ta be col��c�ed i.n coann.e�ta�n <br /> ��z t�e Loan��ce��the p�r�mit��c��f�, t�i�n; �a� a��r�uch�oa�c�arge��€�1�e red�.Ced h��h� <br /> �rza�n�ne�essar�r�a reduce t�� cha����v th�pe�n�i��ec� ' `�; and �b} any sums alrea�.�r co�ecte�. <br /> �ro�. �arra�rer v�rh�c� ��c�ede� �ex�ittet� lim�t� �l �be refiund�d tv P�rrow�r. Lender r�ay <br /> �haa����m.��th��r�fund b�re��.ci�.g the�r��ci.pa��v�red�n�.�r the Nv�e vr b��ma.�in�a�xect <br /> p��m.ent �o ���-r��cr�r. If a r�fu�d redu�es p��ipa�, �he red�.c�o� �il� be �re��ed �� a pa.�al <br /> pre�a�ent�.thvu���r pr�pa�mer�t c�.�rge ��r�eth�r nr nat�pr�p�.�ent ch�g�i���ar�v�ded��r <br /> un.�er �h� N��e�. ]��rro�ver's acc�p�a�c� af an� such ref��. �ade b�r a�r�ct pa�en� �� <br /> �a�rn�rer v�ri�I Gons�.t�.�e a�ra�iver vf a��r�.ght��a��io� �orr��re�•�igh��ave aris�ng��� �f su�� <br /> v�r��rcharge. , <br /> 15. �Tatic��. � Not�ces g��ren b� ���~rv�rer or L���er i� c�:r��ctio� �th �h�� <br /> S e�ur�i��sir��.����x����e i��r���.n�a ��.�r n��i���� ��rra��r i�c�r����o��th�s S ecu�i� <br /> �anstr�am�n� s�a� �e de���� �� ha.v� b��� ��-�� �c� ��r���r�r��en�f' �d �b�r �� ��a� �a.�l �r <br /> �rh�n actual�.� de1�v��r�d�c��orro�nr��'s n���� a�.d���s i������b�r v�ier �.���e ���i�� �o ���ne <br /> �o�r���r ��a�I con�#��u.�e �n��ice �� a1� �a�a�rers �.�I�s� A.p����ab1e �.�r ��preSs�� req�°�� <br /> �t�e��s�. �'h� �.v�c:� add�ess sha.l�. be �e �'��p��r Addr�s� ����s ���•��er ha.s des�gna�e� � <br /> �u�st��u�e nat�ce addre�s �y ���ti�� �� I..�r�dera ���ro�r�r ��a.� ��omp�.y r���i�r ��nder of <br /> �vrrv�rer's Gha.�ge����dr�s�. �f�e�d�r spe��s �p�a���.-€�re f�r��p�r���o�r�v��r'��hange <br /> €�f addr�ss, the� ��rr��r��r sha� vnl� r��ra� � �h�.�� �f �.ddr�ss t�r��.gh that sg�ci�xe€� <br /> �r�c�dure. �'here ma�b� an�y o�xe �.�i��.�ed z�o�.ce add�re�,s un�er t�s Se�ur�.�Instru�men� a� <br /> �x�,�r �x�e t�xr�e. An� not�ce �o L�nd�r �ha1� be gx�e� b��r d��iver�r�� �t vr b� � " ' g �.t �b� �irs� <br /> ��ass �a.� �o L���.er`� a�.dr��� stat�� h�re� un�es� L�nder ha� des�gna�ed anvth�r addr�ss by <br /> ����� �o ���r���r. ��r no�i�e�. �:�����ion��th t�s �eeu�i�r 7���.�neIl�sha�.no�b� deeme� <br /> �� have �e�� gz�e� �Q I�end�r un� �ctually� �ece��red b� �,�ndex. If an�r nv�ce r�q�re� b�r t�s <br /> Secur�.�Instr�meant�s a.�so r�qu.iz'��.ur�d�r�pp�c���.e i���v, t�e Ap�Z�cabie La��reo��xir��n.�n��r�l <br /> sat��f��e c�rres�onding r�q�eme�t�d�r t�is S�c��Inst�m�n�. <br /> 16. �`r�a�erx'ng I:aw; ��vera��ity; Ru.les o���nst�ucti�n. �`�.is �ecu�.ri�y Instru�m.en� <br /> s�.all�e�overned��federal la�r�nd t�.��a�r Q�the�ju�sdicti.�n i�w�ic�.�he Prvperty���.��a.te�o <br /> All r�g�ts and ��lig�t�o�ns can�a�.n.�d �n t�is ��cur�t����trume�.� are s�.�bj e c$ ta a�.�re quir��.���� - <br /> a�d ' '�a�io�s of Appl�cab�e �a�. App�c�.�x� �a�r �gh� ��p�i���ly ox �mplic�t�� �la�r �� <br /> par�es �v agree �by cnntra�� ar �� �ighf �e s�l��nt, ��.� ��ch ��ence sha��. �ot be const�ed a� a <br /> ��'3�KA�SingIe Fam�.Iy—Fa�mz�1VIaeJ�Freddi�Ma�UN�4RN�II�1'�TRT�NT F�m 3�325 11�� <br /> G�C-G�aZB-13 �491��.} �Page 13 o.�I�� <br />