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13. loan Charges. If the loan secured by this Security Instrument is subject to a 12 Qhfl flDmfx~~IUn charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: lal any such loan charge shall be reduced by the amount necassary to reduce the charge to the permittad limit; and (bl any sums already collacted from Borrowar which exceeded permittad limits will be refunded to Borrowar. lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be traated as a partial prepayment without any prepayment charga under the Note. 14. Notices. Any notice to Borrowar provided for in this Security Instrumant shall be given by delivering it or by mailing it by first class mail unless applicabla law raquires use of another mathod. The notica shall be directed to the Property Addrass or any other addrass Borrowar dasignatas by notice to Lander. Any notice to Lendar shall ba given by first class mail to Lander's addrass statad herein or any othar address Landar dasignatas by notice to Borrower. Any notica providad for in this Security Instrumant shall be deamad to have been given to Borrowar or Lender when given as provided in this paragraph. 15. Governing law; Saverability. This Security Instrument shall be governed by federal law and tha law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect othar provisions of this Security Instrumant or the Note which can be given affact without the conflicting provision. To this end the provisions of this Security Instrument and the Note ara declared to be severable. 16. Borrower's Copy. Borrower shall be givan 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 tha Property or any interest in it is sold or transferred lor if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural personl unless the Note shows that Borrower's loan is assumable. 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 the Note shows that Borrower's loan is assumeble, Borrower must obtain Lender's written permission for an assumption and follow any other raquirements of Lander related to an assumption. If Borrower does not do so, Lender may require immediate payment in full of all sums secured by this Security Instrument. If Lander exercises this option, Lander shall give Borrower notice of accaleration. The notice shall provide a period of not less than the minimum number of days established by applicable law from the date the notice is delivered or mailed within which Borrower must pay all sums securad by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 1 B. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any tima prior to the earlier of: (a) 5 days lor such other period as applicable law may specify for reinstatementl before sale of the Property pursuant to any power of sale contained in this Security Instrument; or Ib) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; Ibl cures any default of any other covenents or agreements; lcl pays all expenses incurred in enforcing this Security Instrument. including, but not limited to, reasonable attorneys' fees; end ldl takes such action as Lender may reasonably require to assure that the lien of this Security Instrument. Lendar's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shell continue unchanged. Upon reinstatemant by Borrower, this Security Instrument end the obligetions secured hereby shell remain fully effective as if no acceleration hed occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph '17. 19. Sale of Note; Change of loan Servicer. The Note or a partial interest in the Note ltogether with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity Iknown es the "Loan Servicer"l that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrolated to a sale of the Note. If there is a change of the Loan Servicer. Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain eny other information roquired by applicable law. 20. Hazerdous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two santences shall not apply to the presance, use, or storage on the Property of small quantities of Hazardous Substances that ere generally recognized to be appropriate to normal residential uses and to maintenance of the Property. By initialing, I acknowledge this is page 5 of 7 of the Deed of Trust. .J!-<-. lni,ial.s ~ Initials Initials Initials @ Copyright Complilncll Systllms, Inc, 1993, 1994. 1995. 1907.2004 ITEM lZ1NEl5 1040BI P'g.5 of 7 www.cDmplilm:ltsySlllmli,c:om BOO.9BB.B5ZZ F" B 15.95B.l BBB