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alreadycellected
<br />this refund by re
<br />orinelpal, the red
<br />200200623
<br />be refunded to Borrewn Lender maychoose to make
<br />a direct payment to Borrower. Ifa rehmd reduces
<br />any right of action norruwer nugu ua — n —is vu`.., ° °.• °_._...
<br />All notices given by Borrower or Lender in connection with this
<br />Anrrnwer in connection with this Security Instrument shall be deem
<br />one Borrower shall constitute notice W all unless Borrow unless
<br />address shall lI the Property Address unless Borrower has
<br />v --- ad�n v non lender of Borrower's ehang�
<br />may be only one designated notice address under this Security Instrument at any one time.
<br />given by delivering it or by mailing it by first c].as mail to Lender's address stated herein
<br />BA tMle Car nla I —ni
<br />a
<br />amen must he in
<br />given to Borrower
<br />ans. Notice many
<br />wise. The notice
<br />notice to Lender.
<br />lure for reporting
<br />.
<br />been given to lender until actually received by lender. If any notice requhed by this Security Instrument as also required
<br />under Applicable Law, the Applicable law requirement will satisfy the corresponding requirement under this Security
<br />Instrument,
<br />16. Governing Law; Severability; Rules of Corsstruction. This Security Instrument shall be governed by
<br />federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this
<br />Security Instrument are subject[ o any requirements and limitations afApplicable Law. Applicable Law might explicdlyor
<br />implicitly allow the parties to agree by contract or it no alit be silent, but such silence shall not be construed as a prohibition
<br />against agrcemcrtt by contract. In the event that any provision or clause of this Security Instrument or the Nowcon0ic6 with
<br />Applicable Law, Stich conflict shall not affect (other provisions of this Security Instrument or the Note which can be given
<br />effect without the conflicting provision.
<br />As used in this Security Instrument: (a) words of the masculine gender shall mean and include correspondingaemer
<br />words or words of the tennoune gender; (b) words in the singular shall mean and include the plural and vice versa; and(e) the
<br />word "may' gives sole discretion without any obligation to take any action.
<br />17. Borrowe iN Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
<br />18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the
<br />Property" means any legal or benetcial interest in the Property, including, but not limited to, those beneficial interests
<br />transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the
<br />at of title by Borrower at a future date W a purchaser.
<br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural
<br />person and a beneficial interest in Borrower is sold or hansferred) without Under's prior written consent, Lender may
<br />require immediate pn m
<br />ent in full of all sus secured by this Security Instrument. However, this option shall not be
<br />exercised byy Lender it such exercise is prohibited by Applicable Low.
<br />IMi der exercises this option, Lender shall give Borrower notice of acceleration. The notion shall provide a period
<br />of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all
<br />sums secured by this Security Instrument. If Burrower fails to pay these sums prior to the expiration of this period, fender
<br />may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.
<br />19. Borrower's Right to Reinstate After Acceleration. If Burrower meets certain conditions, Borrower shall
<br />have the right to have enforcement of this Security Instrument discontinued at anytime prior W the earliest of: (a) five days
<br />before sale of the Property pprsuant m any power of sale contained in this Security Instrument; (b) such other period ce
<br />Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this
<br />Security Instrument Those conditions are that Borrower: (a) pays Lender all starts which than would be due under this
<br />Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
<br />agreements; (c) pays all expenses incurred inspection and
<br />in enforcing this Security Instrument, including, but not limited to, reasona m
<br />ble attoeys' fees, property
<br />valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this
<br />Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the
<br />Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security
<br />Instrument, shall continue unchanged. Lender Inayrequire that Borrower pay such reinstatement sums and expenses In One
<br />or more of the following forms, as selected by tender: (a) cash; (b) money order, (c) certified check, bank check, treasurer's
<br />check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal
<br />agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security
<br />Instrument and obligations secured hereby shall remain fully effective as ifno acceleration had occurred. Howevc', Otis right
<br />W reinstate shall not apply in the case of acceleration under Section 18.
<br />20. Sale of Note; Change of Loan Servicer, Notice of Grievance. The Note or a partial interest in the Note
<br />(together with this Security firm mount) can be sold one or more times without prior notice W Borrower. A sale might result
<br />in a change in the entity (known as the Loan Servicer•') that collects Periodic Payments due under the Note and this Seem'ity
<br />Instrument and performs other mortgage loan servicing obligations under We Note, this Security Instrwnent and Applicable
<br />Law. There also might be one or more changes of the Luau Servicer unrelated to a sale of the Note. If there is a change of
<br />the lean Servicer, Borrower will be given written notice of the change which will state the name and address of the new
<br />Loan Service,, the address to which paynnents should be made and any other information RESPAreq�ims in connection with
<br />a notice of transfer of servicing, if the Note is sold and thereafter the Loan is serviced by a Lunn Servicer other than the
<br />purchaser of the Note, the mortgage loan servicing obligations W Borrower will remain with the Lan Servicer or be
<br />transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note
<br />purchaser.
<br />Neither Borrower nor [cater may commence, jam, 's be joined put to any judicial action (as either an r individual
<br />litigantorthe members a class) that arises fromthe
<br />f, other
<br />or actionspursuant to this SecuritInstrumentt, that alleges
<br />that the other party has breached any provision of, or any duty given by reason ce this Security requirements instrument, until such Of,
<br />Borrower (or lender has notified the other party (with such notice given m compliance with the requirements of Section 15)
<br />of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take
<br />corrective action. HA pplicable Law provides a time period which must elapse before certain action can be asked, that if=
<br />period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity W cure
<br />given to Borrower pursuant W Section 22 and the notice of acceleration given W Borrower pursuant to Section 18 shall he
<br />deemed to satisfy the notice and opportunity to take corrective action provisions of Was Section 20.
<br />21. Hazardous Substances. AS used in this Section 21: (a) "Hazardous Substances" are those substances
<br />defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline,
<br />kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials
<br />containing asbestos or formaldehyde, and radioactive materials; (b) `Environmental Law" means federal laws and laws of
<br />the j not saltation where the Property is located that nature to health, safety or environmental protection; (c) "Environmental
<br />Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) mr
<br />•w.,,d.,.,,rr,rarnl Ccind[lon"means aeo mucalthatcan cause, contribute to, motherwise trigged an Euvkunnuoual Cleanup.
<br />N$URASX/i Single Family-- Farmle M:u/Freddle Mac UNIFORM INSTRU MEWL'
<br />9I54.CV(2al) (]11362
<br />FUrm0028 1101 (1- 116al'81111e1)
<br />GOmX0001'Wo
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