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";":'~",.\'~c:,";m-'--' .,_' ,'.".,...."'.,.'...',.,." ......,j,..':".'...A'.,...'. ..,.'., "/, ,i ;C".., . :_,,,,,- ; ',.. l;",;~ .:"..., . . ..:'''':~:~~;'~oI~.,':,:~...,lo<::~~ ~~.",""':""'!"'-<tl'..i"..', :~~.'- <~;4;:~, -.-' ,93-' lOS101' 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which ~ts maximum loan charges. and that law is finally interpreted so that the interest or other loan charges collected or to be colle'Cted in connection with the loan exceed the permitted limits, then: (a) any such loan charge shail be reduced by the amour.l1lC'Cessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded pennined limits will be refunded to Borrower. Lender may ch~ to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refnnd reduces principal. ;ite reduction will be treated as a panial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires u:;e of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. AllY notice to Lender shall be given by first dass mail to Lender's address stated herein or any other a,jdre~;< Len,der designate<: by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have be..~I:; given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. Th;~ '}ecurity Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the (venlthat sny provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Propeny or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior wriuen consent. Lender may, at its option. require immediate payment in full of all sums secured by this Security Instrument. However. this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. . . If Lender exercises this oplion. Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior 10 the expiration of this period. Lender may invoke any remedies permitted by this Security Inslrument without further notice or demand on Borrower. 18. Borrower's Right to Rdnstate. If Borrower meets certain conditions. Borrower shaH have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Securi'y Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security j;,strument and'the Note as if no acceleration had occurred; (b) cures any default ohny other covenants or agreement~; (c) pays all expenses incurred in enforcing this Security Instrument. including, but notlimiteoto, reasonable attorneys' fees; and (d) takes such action as LeOlhr may reasonably require to assure that the lien of this Security Instrument. Lender's right:s in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower. this Security In- strument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However. this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note: Change of 1..0,," Senicer. ,The Note or a partial interest in the Note (together with this Security Instrument) may be sold olle or mo~ times without prior notice tll Borrower. A sale may result in a change in the entity (know:! a~ the "Ulan Servicer") that collects monthly pllyments due under the Note and this Security Instrument. There also may be one or mOle changes of the Loan Servicer unrelated to a sale of the Note. If there is u change of the Loan Servker. Borrower will be giv~n written nOlice of the change in accordance with paragraph 14 above and applicable Jew. The notice will state the name and address of the new Loan Servicer and the addreJS to which payments should hi: made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit Hit presence, use. disposal, storage. or release of 8JlY Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyolle else to do. anything affecting the Property that is in violation of any Environmental Law. The preceding IWO sentences shall not apply to the presence, use. or storage on the Property of small quantities of Hazardous Substances lhat are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation. clairn. demand. lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is neces.'18ry. Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20. "H31.ardous Substances" are those substances defined as toxic or ha1.3rdi)US substances by Environmental Law and the following substances: gasoline, kerosene. other flammable or toxic petrolellm products, toxic pesticides and herbicides. volatile solvents, materials containing asbestos or formaldehyde. and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the. Property is located thaI relate to health. safety or environ menIal protection. NON. UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acctleratlon; Remedies, Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement In this Security Instrument (but not prior to acceleration under paragraph 17 unles.'l applicable law provld~ otherwise). The notice shall specify: (a) the default: (b) the action required to cure the default: (c) a date, not less than 30 days from the date the notice Is given to Borrower, by which the default mun be cured: anil (LI) that faIlure to cure the default tn or before the date sptCln~ In the notice may result In acceleration of the sums seeu.red by thl~ Security Instrument and sale of the Property. The notke shall further Infonn Borrower of the right to reinstate aher acceleration ami the right to bring a court action to llS.'lert the non-exlstenee of a dr-rault or any other derC!nse of Borr-,wer to acceleration and s.1lle. Ir the ddault Is not cured on or before the date speelned In the notice, Lender at Its option may require Immediate payment In full of all sums lIeCUred by thL, Security Instrument without furtJler demand and may Invoke the power or sale and any other remedies permitted by applicable law. under shall be entitled to collect all expenses Incurred In pun.ulng the remedies provided In this parDf')'IIph 21, Including, but not limited to, reasonable attorneys' fees and costs 0:' title evidence. F_ 302. 1110 (pcg~ 4 of J pa~s) II ,~!lOI ~.>;,..: f' ,""