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<br /> ::.�^�, ,,� ;�,. „ 13. l.a�a Char�ai. If�hc lonn securcd by thiR Secu�lty In�t�ument is subject to a law which cets ma�cimum loan -
<br /> � � rtwr�ec,ar�d thAt law ia flnally interpreted so Ihpt the intercK or�ther loan charges collated or w be callected in c�nnection F
<br /> ,.° �� ^ " � , with the loan exceed the permitted limits.then:(a)any wch loan eFwrge:hall be reduced by the amount necessary to rcduca �_�
<br /> •"'�` , the chuQe to the permitted limit;and(b)any runw alaAdy collxted from Borrower which exceeded permitted limit�will
<br /> . . be refWnded ta BoROwer.l.ender rtwy chooce to molce thie rotbnd by rcducing the pdncipal awed under Ihe Nae or by ttwicing �' �'-`___ -
<br /> . _� � � ., �, __.
<br /> �:, , , a direct payment to Bonower.If a rcfund reducea principal. the reduction will bc tmted e:a partial pr�paymaot wlthout � ----�-��---. �-.-.,•
<br /> . ° • � ony pre}wyment charQe under the Note. _
<br /> � � 14. NoNcav. Any notice to Boaower provided for in this Security Instrument shall be given by deliverinQ it or _
<br />„_. ; � by mailing it by 8rst elwr mail unless applicabla law requirea use of anather method,The notice chall be directed to t1w =- —
<br /> ' pirc�perty Addrccs or any otlur addreas Borrower designates by notice to Lender. Any notice to Lender shull be given by —'
<br /> '. ! � � ' tint cl�t mail to l.ender's addroas awted herein or any c�ther address Lendor designAtes by notice to Borrower.A�y notice �#,-�
<br /> � . • provided for in Ihic Secu�ity Tnrtrument shall be deemed to hava ban gfven to Borrower or Lender when given as providod _ �`
<br /> • ' in this Para6raPh.
<br /> �: �� '. � . • . ,� 1S. Goverdnp I.�w;Severablllty. 1'his Sccurity lristrument shall ba gmerned by federal law and the law of the
<br /> ' - • _� , jurisdicdon in which the Property is Iceatat.In the event thAt any provision ar clause of lhia Secu�fry Instrument or the NWe
<br /> " � � contlicts with applicable IAw,auch conflict ahell not affect other pravisions of this Sauriry Instrument or the Note which
<br /> , , .� can be given effect without the contlicting provisio�.Tu thic end the provisions of t6ic Securlty Inswment end tha Note �,,�,'��
<br /> • � • a�s declared to be severable. -"
<br /> ° "' �:.;'.; 16. Borrowtr's Copy. &►rrower shell be given one conformed copy of the Note and of this Security I��swment. _--
<br /> ' 17. Tmnsfer ot We Properly or p BeneRcW Interest ia Borrower. If all or any parc of the Property or any ° ``-."`°�.-°`
<br /> ..;� �: __�,�.��--
<br /> imerest in it is sold or iraasfern;d(or if a beneficiel interest in 8orrower is sold or transferred and Borrower is not a oatural �.;t���-_
<br /> •• � person)without I.ender's prlor written consent.Lcnder may,at tta.option,require immediete payment in full of all sums �•,,�,: ..;,� _
<br /> � '., secured by thie Securky Inctrument.Hawever,thic option shall not be exercised by Lender if exerci�e is prahibited by federal ....q��,.�
<br /> ',��• !ow ws of tha date of this Security Inctrument. "'��
<br /> ' � �>;.�, !f Londer exercises thi�option,I..ender shall give Borcower notice of acceleratbn. The notice shall provide a period .
<br /> '� of not less thon 30 doys from the date the notice is delivered or mailed within which Borrower must pay all sums secured
<br /> .��:'"•'��' , by this Secur�ty Insttument. If Borrower fails to pay these sums pdor to the expiration of this perlod,l.endcr may involce z�,��g �
<br /> T��T�
<br /> � .. '• any ramediea permitced by this Security instrument without fl�rther notice or demand on Barrower. _ .�i.'r`�;�
<br /> ' 18. Borrower's Ri�ht to Reinstate. If Bonower mats cec'tain canditians,Bonower shall 6ave the right to hove .,
<br /> enforcement of this Secur�ty Instrument discontinued at anY Wne prlor ta ihe s�rlier of: (a) 5 days (or such other periad `�.
<br /> ______ ___ as applicable law moy specify for reinstatement)before sale of the Prope�ty pursuent ro any power of sale conteined in this _ . M _� ,
<br /> Security Instnrment;or(b) entry of a judgmem enforcing thfs Secudty lnstrument.Those conditiunn ai�itwi iiorrowcr: -� — :
<br /> " (a)pays Lender all aums wbich then would be due under this Securiry Instn�ment and the Note as if no acceleration hed `:;;:,,�,,,,x. °•r.: ' !
<br /> • accuRed;(b1 cures any default of any other covenants or agreements;(c)pays ell eapencea incurred in enfo�cing this Security
<br /> , � ' Instrument, including, but not limited to,reasonable anorneys' fees: and (d)takes such acdon as i.ender may ressonably .
<br /> ' require to assure th�t tha lien of this Security Instrument,Lendcr's rights in the Property and Borrower's obligation to pay
<br /> the sums securad by this Security Instrument shaU continue unchanged.Upon reinstatement by Borrower,this Security In- N
<br /> . strument and the obUgations secur6d hereby sh�ll remain fully effectjve as if no�caleration had accurred. However,thic ;•�;•�:T:�•••::.-,•`�,�
<br /> right to reinstete shell not apply in the case of acceler�►tion under paragraph 17. �`•�r• •` • ;
<br /> ' 19. S�le ot Note;C6ange of L�wn Servker. The Notc or a partial interest in the Note(together with�hic Securiry y�
<br /> Instrument)may be sold one or more times without prior nodce to Borrowea A sale m�y result in a change in the enpty .
<br /> (known as the "L.oan Servicer")thaz collects monthly payments due under the Note und this Security Instrument. There ••
<br /> also may be one ar morc changes of the Loan Servicer unrelated to a sale of the Note. If there is e change of che Loan i "'•;i��� .,--
<br /> � Servicer,Borrower will be given written notice of the change in accordence wi�h paragraph l4 above and applicable law. ;r'_ry
<br /> � The notice will swte the nan►e and address of the new L.oan Servlcer and the address to which payments should be mada r •=-,�,,.�,,
<br /> �'° The noUce will also contatn ony other Informadun required by applicable lew. ������ �
<br /> • ?,(1. H�ardous Subrtwnees. Bocrower ahall not cause or permit the presence, use,disposal, storage, or release ti , �_:=-_
<br /> of any Hazardous Substences on or in the Property. Borrower shall not do,nor ellow anyone elsc ta do.anything affecting j i?'=�-
<br /> the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, ( _
<br /> use.or storago on the Property of smxll quantities:►f Hazardous Subswnces that ure generally recognized to be appropriate � ���;;
<br /> ' � to normal rcsidentiel usos and to maintenunce of the Properry. -""r`
<br /> • �� • . Borrower shall prornpUy give[.ender written notice of any investigation.claim,demand,lawsuit nr other action by � _ ;
<br /> � any govemmental or regul¢tory agency or private p�ty involving the Propeny and any Hezerdous Substance or ' ; . -
<br /> � . Environmrntal Law of which Borrower has actual knowledge. If Bonower learns.or is notified by any gavernmental or �
<br /> • , regulatory authority,thet eny removal or ather remediation of any Hazardous Substance affecting the Property is necessary. �
<br /> � Borrower shell promptly take all necessary remedial actions m accordance with Environmental 4tw.
<br /> • � As used in this paragraph 20,"Hazardous Substances"are those substances defined as toxic or huzardaus substances
<br /> ' ' by Bnvironmental Iaw and the following substances:gasoline,kerosene,other flummable or toxic petroleum praducts,toxic
<br /> ptsticides ar►d herbicides, volatile solvents, materials containing asbes�us or formuldehyde, and radioactive msiterials. As
<br /> used in this paragraph 20,"Environmental[.aw"means federal laws and laws of the jurisdiction where the Property is located ,
<br /> that rolate to health, safety or environmental protection. •
<br /> . , NON•UNIFORM COVENANTS. Borrower nnd I.ender further cuvenant und agree as follows: �
<br /> � 21. Acceleration;Remedies. Lender sholl give notice to Borrower prior to acceleration tollowing Borrower's
<br /> breach ot any covenw�t or agreement fn this Security lustrument(but not ptior to acceleraUon under paragraph 17
<br /> ualess applkable Mw provldes otherwise).The notice shnll specify;(a)the detaukq(b1 the acllon required to cure the
<br />� default; (c)a date,not less thnn 30 days from the date the notice is�iven to Borrower. by whicb the detault must
<br /> - . l ioe cu�so;ono ldj i6ai iaiiu�s io curc we;c.:�:C�:.:,:..''-..::i':».��°:t s•��f1o.1 in�lu.wNlcp may resulf in aCCelenitlOtl
<br /> I ot the swns secured by tfds Security Instrument and sale of the I'roperty.The nottce shall furlher inform Borrower
<br /> { of t6e rigbt to relnstate after ncceleration smd ihe right to brfng a court actlon to assert the non�existence ot a de[ault
<br /> or any other detease of Borrower to Accele�ation uad sale. If the default is not cured on or before the date speciRed
<br /> iIn the notice.i.ender at Its opHon may require immedi�le p�yment in full of all sw�secured by Ihis Security Instrument
<br /> � wlthout turWer danpnd aad may Invoke the power of sale aad�ny other remedies permitted by applicable law.Lender
<br /> shaU br ratiiied iu��i rii espr�ue�i�wuir�ia pursul�!!se resnct!!�¢loYl�"� �n fhic pare�reph 21. including.
<br /> ; but aot Ilmlted W, raicoaable attorneys'tees aed carts ot tiqe evldence.
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