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<br />(/) Notice of 08"11es
<br />The Note Holder wiH mail or dctiyer to me a nOllce of any changes in the amc)unl of my monthly payment before the
<br />eWective date of any change. The notice will include informalion required by law to be given me and also Ihe lille and
<br />telephone number of a person who will answer any question I may have regarding Ihe nOlice."
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<br />B, CHARGES; UENS
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<br />lJnifom. Covenant 4 of the Securily Instrumenl is amended 10 read.. follows:
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<br />002583
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<br />4, Charges; I.iens. Borrower shall pay alllnes. assessmenls, and olher charges. fines and impositions aUrihulable 10 lhe
<br />Property which may allain a priorily over this Security Inslrumenl, and leasehold payments or ground rents, ifany, in the
<br />manner provided under paragraph 2 hereof or. if not paid in such manne.r, by Borrower making payment, when due,
<br />djrectiy lO the payee thereof. Borrower shall PfompiJy furnish to Lender all notices of amounts due under this p&tairaph.
<br />and in ! he event Borrow~r shaii maxe payment ditr:ctiy. Borrower shail promptly furnish to L:JldeT receipts evioe.,clng
<br />such payments. Borrower shall promptly discharge any lien which has priorily over this Security Instrumenl: provided,
<br />rhal Borrower shall not be required 10 discharge any such lien so long as Borrower: (a) shall agree in writing to the
<br />payment of the obhgation secured by such hen in a manner acceptable to lender; (b) shall in good faith contesnuch lien
<br />oy, or defend against enforcement of such hen in, legal proceedings which in the opinion of Lenderopenlte 10 prevenHhe
<br />enforcemenl of the lien or forfeiture of the Property or any part thereof; or (c) shall secure from theholderofSuch lien an
<br />agreement III a fom, satisfaclory to Lender subordinating such lien to this Seeurity Instrument_
<br />If I.eudtr detcrmlOCS Ihat all or any part of the Property" subject to a lien which may allain a priority OVer this Security
<br />Instrument, Lender shall send Borrower notice identifying such lien. Borrower shaUsalisfy such lien ortake one or more of:
<br />[he action'!' set forth above wuhan len days of the gjving of notice.
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<br />C. NOTICE
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<br />Uniform O.wenant 14 of the Set~unty Instrument is amended to read as follows:
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<br />14, Notice, Exec1'l for any nOllce reqUIred under applicable law to be given in anolher manner, (al anYcnotice'JI)
<br />Bonower pn>Vlded for In IhlS Seeumy Instrument shall be given by delivering il or by rnailingitby fit1ltclll$s'lIlllil
<br />addrt,>""d to Bonower at the Property Address or at such other address as Borrower may designate-by noticeIO~8J,'-'
<br />prnVlded heri"tn. and (b) any notICe fo Lender shaH be given by first da~'i mail to Lender's 8ddr~ stated-herein Qt:.to:~~-:
<br />"Ih", address as Lender may desIgnate by notice to Borrower as provided herein. Any notice pmvided fQrinthisSecurRY'
<br />Inslrumettl .hall!>c deemed tll have !>cen g,ven to Borrower or lender when gh'en in the manner designaledherein.
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<br />D. UNIFORM SECURITY INSTRUMENT; GOVERNING LAW; SEVERABILITY
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<br />L nlform Ct)'l-enanl ! 5 of the .sn'Uftly Instrument IS amended to read as n'-llows:
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<br />IS, Unifor.. Securit). Instnunent; Go.eminll I.....; s.,.erallility, This form of Securily Instrument combines.unifcmn'
<br />,O\t'Hanf~ for nallonaJ use and nOJl-umft\rm l.:ovC'nants wlIh fJml1ed vari-aIJO')..\ by jurisdiction to-
<br />,.."('\UHy tn~(rultu:nt l'()"~rmg real property, This Security Inslrument shall'be- governC'.'d-by
<br />jUnSdlcllun III whlc,lt the I'ropcrty IS located, In the e.enl that any provision or clause of'this
<br />Not<, "onllk.. ,...tlt apphl'<lble law, M.ch conflicl shall not affecl other pr"visioll8 of this
<br />wlueh (au t\t:' gl\'t."n CO-Cd without Ihe conflicting }lToVLi\io-n, and to this end Ihe
<br />tht" Note at;: det~h1R"'J to be- se\'c.rabk
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<br />E. l'RANSFJ<:R Of' THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER
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<br />Umfonn Co\'enant 17 uf the So,,-unty Instrument is amended 10 read as follows;
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<br />17, Tr......fer of the I""'...rty or a Beneficial Interest in Borro...er, If aU or !lny part ofllle Property or an interettUIterein
<br />h ...old ("If tnm~fe-rred iiJr lf a bendkl1d tnter6t III Borrower lS sold or transferred and Borro~er i5, not,. ~at..,~t~)
<br />Wllhuut Lender', pnor wntten con,",nl. Lcnder may. allender's "ption, declare .11 the sums sccuredby ,thi(Secill:ity
<br />In,Humenl III be lInme.halely duc and pa)'able. !lowevel', this Oplloll shall not be exercised by Lender if e,e,eilli\.isllQl
<br />:Iulh,mz<<l by F<<Ier!l1 Jaw
<br />If Lendet exel'""" such ,'pilon 10 accelerate. Lender shall mail Borwwer notice of a~'Celera(io" in.c-oorda!lCll._"'~"
<br />p",agmph 14 hereof. Sud, nollce shaJJ pro..de a J!Crtad of not less than ,<0 days from rhe dale Ihe llotice is:.maileclwillti!l
<br />"h,d, Ilorro..er ma} pal lhe 'urns declared due If Borro",er fails to pay such sums prior to Ihe exp;ralion ofsu'h period,
<br />l.<noer mal, ..ltlll>UI further tlOt",e or demand on Borrower, invoke any remedies permiUed by paragr.ph.1 8 hereof,
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<br />1', COVENANT DEU;)'ED
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<br />Nl.n~l~lUrt)fm Cn\enam1 t of the Se-.:urll} Instrument t "Future- Ad\'ances") Is deleted.
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<br />G. LOAN CHARGES
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<br />If the loan ..a~uraJ b)" the Scxunt) InMlument is subjeCllO a law Whi,,~h !'.cts fnaAlmUm loan ,,~harges. and that law is finaUy
<br />ml~rprl'lt.-d ~l that the JOkrcst or other loan ....hargcs \:oUected or to be collected in con~tlon with the loan exceed
<br />r<rmlll<-d hnuls, lhen (l) an} such loan charge shall !>c reduced by .he amount necessary to reduce the charge 10 the
<br />pernullc'<lltmll, and (2i any sum. alr....y ccollected from Borro"'er whIch exceeded permllled limits will be refunded to
<br />~'ijUVi'Cj. t..<'J10Ct may ,:htJosc: to ma-kt this reiund by raiucmg the pnncipaj owed und~r the Note or by ma.kUl8 8 direct
<br />I>aYO\Cfll III Ilorrmlo'er. If a refund reduces prm.:ipal, .he reduclion WIll be Ireated as a parlla! pr.payment under lhe NOle,
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<br />H. LEGI8tA.'rJON
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<br />If, .fier lhe d.le heleo[, rnaClllkOntlll' exrll'a!I"u llf applicable laws have the effect ellher of rendering the proviSIOns of the
<br />N,"e, the Se':IIf1ly In''rument,>! Ihl~ "d)"~lable Rale R,der (olher Ih..n Ihb pnragraph H) unellfmceahle according 10
<br />f~" 1."",- or IIU (''It' itA) p.rJ of tm- ~UmA l'CCured hereby tlttcolt<<,abk. .., nfherwlSt' pro""H.t-a.f 10 the- S<C"f..'urity 'nstrument
<br />a.no tuu At,~kU>lahk Katl" K.uJer, or Hr dlmlnlshmg the value of, leno("r\ s(."~.:Uflt)'. Ihen Leader. at Lender'!. option. m.ll}
<br />l.i<<-Ia-n' aU !ii~mt,\ ~ufed b)C tbe Sc1;utu)" 'll~trumen( 10 be: lmmedMt.dy due <Iud payable.
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