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� 2� 17��85 under this Securi�y Instrumen�unless Lender agrees ta such release in writing. The ca�enanxs and agreements of�his Securi�y �nstrumen�sha1�b�nd�except as pro�ided in Section l 9}and benefit�he successars and assigns of Lender. 13. Loan �harges. Lender rnay charge Borrower fees for ser�ices performed�n cannection w�th Borrovver's default, for the purpose of pro�ecting Lender's xnteres� in the Property atad righ�s under th�s Security I:nstrumen�, �nclud�ng, bu�no� �imited �o, attorneys' fees, proper�y inspection and�alua�ion fees. Lender ma� col�ect fees and cha.rges autho.rized by the Secreta.ry. Lender may not charge fees that are expressly prohibited by this Security I�s�rument, or by App�icah�e Lavv. � Tf the Loan is subject to a law w�ich se�s maximum l�an charges, and that law xs finally interpreted so that the irlterest or �ther loan charges c�l�ected or to be collec�ed in conne�ti�n with the Loan exceed the permitted �imits, then: �a}any such I�an charge shall be reduced by�he amoun�necessary�o reduce the charge to�he permit�ed l�mit; and�b} any sums already col�ected fram Borrower which exceeded permitted l.imits vvill be refunded�o Borrower. Lender may choose to make this refurid by reduc�ng�he principal�r�ved under the Note or b�making a direct payment �o Borrower. If a refund reduces principal, the reduction wi11 be treated as a par�ial prepayment v►rith no changes in tihe due date a.r i.n the mon�h�y paymen�amaur�t unless the N�te�ol�er a�rrees in writing to those chan�es. B�rrower's accep�ance of any such.refund rnade by direc�paym�r��to Borrower v�ill constitute a wai�er of any right of action Borrower might ha�e arisi.ng aut af such o�ercharge. 14. Natices. ��1 na�ices given by Borrawer �r Lender in conxaection with this Security I.ns�rument must be �a writing. Any no�ice�o Barrawer in connection with this S�curity Instrument shall be deemed�o ha�e been gi�en to Barrower when m ai 1ed by first c1 as�mail or when actual�y d�l i�ered to Barrower's no�i ce address i f s�nt by a�her means. Na�ic�to any one Borrawer.sha1�constitute noti�e t�all BorrovW�rs unless Appl��able Law expressly requires otiherwise. The n�tice addr�ss shall b��he Proper�y Address un�ess Borrower has designated a substitute no�ice address b�notice�o Lender. Borrov►�er shall promptly natify Lender af Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrov►�er shal� on�y report a�hange af address through that specified procedure. There may be anly ane designated na�ice address under th�s Se�urity Instrument at any one ��me. Any not�ce ta Lender shall be gi��n by del�vering it o.r by mailing it by first class mail to Lender's address s�ated herein unless Lender has designated another a�dress by n�tice to �orrower. Any not�ce in connecti�n with thas Security Inst�rument shal�not be deemed�o ha�e been gis,�en to Lender unti] actually recei�ed by Lender. I.f any noti�e requ�red by this Security Instrument is also required under Applicab�e Law, the Applica�le Law requirement will sa�isfy the corresponding requirement under this Security �nstrumen�. 15. Go�erning Law; SeWerability; Rul�s of Constructior�. This Security Instrument shall be ga�erned by federal la�and the law vf the jurisdict�on in which the Property is �.ocated. All rights and abligations contained in this Security�ns�rux�ent are subject��any reguirements and limitations of Applicable Law. Applicable Law might expl�cit�y or implicitly a�low the par�ies to agree by contract ar i�migh� be silent, bu�such silence shall not�e cons�rued as a prohibition against agreement by cvntract. In the e�ent that a�ny pravision or clause of this Secur�ty�nstruxnent or the Note conflicts w��h Applicable Law,such conflict sha��n��affect vther pro�isions af�his Security Instrument or the�ote which can b�gi�en efFect wi�hou��he�onflicting provis�on. A5 L15eC�lYl th1S S�CUx'1� I175�I'L1T]7�I7t: �a} wards of the masculine gender shall mean and include corresponding neuter words or words of th�fem�nine gen�er; �b}�vards in the sin�ular sha�l mean and include the plural and vice �ersa; and�c3 the word "may" gives sole d�scre�ion without any o��iga�ion to�ake any action. 16. B�rrawer's�opy. Borrower shall b�gi��n�ne copy �f the No�e a�d�f this Se�urity I�nstrument. 17. Transfer vf th� Property or a Beneficial Intere5t in Borrower,As us�d�n this Section 17, "Interest in the Property" means any legal or beneficial interest in th� P.r.op�rty°, includi:ng, but no� �imi�ed t�, �hose bene�ic�a1 interes�s transferred in a bond far deed, c�n�rac�for deed, insfal�men� sales contract or escraw agreement, the in�ent of which is the�ransf�r of title by Borrower at a futiure date to a purchaser. If all or any part of the Property or any �n�erest in�he Pro�erty is sold nr transferred tor if Borrower is not a natura�person and a benefacial in�erest in Borrower is s�ld or transferred}withaut Lender's pri�r written consent, Lender rnay require i_mmediate payment�n fu11 of all sums secured by�his Security Instrument. Howe�er,th�s opt�an shall no�be exercised by Lender if such exercise is proh�b�ted by Applicable Lavv. 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