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�oiioo�94 HQ110074406 charge is provided fnr under the Nnte), F3orrower's acceplance of any such refund made by direct paymet�t lo L3orrowcr will constitu[e 1 waiver of �ny righl oCaclion Borrower might have �rising out oPsuch overchargc. 15. Noticcs. All notices given by f3orrower or I,cndcr in connectioi� with this Security Instrumenl must bc in writing. Any notice tn F3nrrower in conneclion with this 5ccuricy Instrui�ient shall be deeme�l to have been �iven to 13orro�ver wMen mailed by lirst cluss mail or wliei� actually delivered t�� 13orrowcr's nuticc address if sent by nther means. Notice io any on� Borrower shall cnnstitute nptice to all 13orrowers unl�ss npplicable La�v expressly requires otherwise. 'I'he noticc �ddress shall be the Nroperty Address unlcss Borrower has designaied a substitutc notice addi by iiotice to Lender. l3orrciwer shall promptly notify Lei�der of Boi change of address. If Lcnder specitics a pcocedure for repnrting T3orrowcr's dlangc oF address, then 13orruwer shall only A•cporl a change of address through lhat specilied proccdurc. Thcre inay be only one designatcd nolicc address undcr tliis Ses;urity Instruiiteni al any onc time. Any notice to Lender shall be given by dcliverin� it oi by i��ailing it hy lirsl class mail lo Lcnda•'s address stated herein iu�less I,ender has designate�l anotha• �ddress by i�otice to I3oi Any notice in conneclion witli tliis SccuriCy [nstrument shall not he deemed to have been �;iven to Lcndci• unti( actually rcccivcd by Lcndcr. If aiiy rintice required by this Sccurity lnstrumcnt is also rcquircd uiidei Applicahle Law, ihe Ap�licable Law reyuircmcnl will sutisFy thc corresponding requiremenl un�ler lhis 5ecurity Insirun�cnl. 16. Governing L�w; Sever�bility; Itules of Construction. 'l�his SccuriCy Inslrument shall be governed by fecleral law ancl ihe law of lhe in which the Property is located. All rights and obli�ations coniaii�ed in lhis 5ccurity Instrwtienl are subject Co any rcquirancnts and li�nit ations of'Applicahle I.aw. �pplicable Law might cxpliciUy or implicitly allow the parties to a�;ree by ce�ntract or it mibhl be silent, but such silence shall not bc construed as a prohibicinn againsl agreement by conlract. In lhc cvei�t Chat ai�y pi or clause c�f' ihis tiecurity Inslrumenl or lhe Nolc conilicts wiCh il�plicablc L.a�v SLICIl COI]t71CT 5}lal� 170t �ttOCt O(IlOP l�POVISIOIlS 0� LI115 SCGUI'IIy II15U'UI11C17t OI' tI1C NOtC WI11Ch Cfll1 L)0 €;�VOtI cCfcct withouc tlie cniit7ictin�; provisinn. As used in this 5ecurity Instrumenl: (a) words of [hc masculiiic gender shall mean and inciude cnrrespondi�ig nculcr wor�ls or words o1� tllc Pcmininc gender; (b) words in the singular shall mean and include lhe plural and vicc vcrs��; and (c) the word "may" gives sole discretion withoul any obligation to takc any action. 17. Borrower's Copy. Borrower shall be given one copy of the Noce and of this Security Instrument. IS. '1'ransfer of the Property or .� I3eneficial Interest in liorrower. ns used in this Section I8, "Interest in the. Prn4�erty mearis any legal or bei�eticial interest in fhc I'roperty, including, bul not limiied tn, those beneticial iiitcrests transfcrrcd in a bond for �leed contraci for deed installment sales coiitract or escrow agrcemenl, the intenl of which is lhe transfer of title by Bori at a futurc datc to a purchascr. If �II or any part of the ProperCy or any lnteresL ii1 the I'roperty is sold or Lranslerred (or if 13orrower is not �t n�tur�l person and a henclicial inCerest in L3orcower is sold or transferred) withoirt Lender's prior writta� conscnt, I.,cndcr may rcquirc IIT]I1ICCIIF9tC []�1y1T1L`Ill IIl tl1II OI aII SLIII]S SC%CLICCCI Lly U]IS SCCUCILy II1SL1'LIIl1C;I1L. IIOWf;VZI', this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Len�ler exercises this option, Lender shall �ive I3orrnwec notice nf acceleration. Tlie notice shall provide a period of ni�t less than 30 days fi�om the date the notice is given in accordance �vith Seciion 15 within which F3orrower must pay 111 sums sccurcd by this Security InsCrumcnt. If Borrowcr fails to pay these sums prior to thc expir��tion nf this period, Lender may invoke any reniedies permitCed by this Security Instrument without further nolice or demand on 13orrnwer, 19. [3orrower's Right to Reinst�te After Accele��tin�i, If 13orrower meets certain conditions, Borrower shall have the right to have enforcen�ent oi'chis Security Instrument �liscontinucd at any time prior to the earliest of�: (a) live clays bef��rc sale of the Prnperty pursuai�t to any pnwer of sale contained in this Security Instrument; (b) such other period as npplicable Lu�v mi�hl specify for chc lcrminalion of I3orrowcr's right to rcii�statc; OI' �G� Clltl"y Ot �3 �UL��IT1CIll C[1t01'C117� [I115 SCCLII"ICy Instrument. Those conditions are that F3orrower: (1) pays I.�nder all sums which ihen woul�l be �lue ui�der lhis 5ec�n•ity Instrument and tl�e Note as if no acceleralion ha�l occurred; (b) cures any dcf�ult of �iny othcr covenants or agrcemcnCs; (c) pays all cxpcnscs incurred in aitbrcing this Security Instrument, including, hut not limited t��, reasonable atioriieys' I�ees, propei inspection and valuation fees, and nther 1'ees incurred f��r lhc purpose oCprotccli�� l,cndcr's inla•cst it� thc I'ropa•ty an�l rights under this Sccurity Insh•umei�t and (d) takes such actinn as Lender may reasnnably requice tn assure U,at I,ender's inferest in the Property and riglits under this Security Instrument and L3orrowa•'s obligalion to pay thc sums secured by this Securily InsU'umenl, shall continue und�anged. Lci�dcr may require that Borrower pay such reinstatement suii�s and expenses in nne or morc of thc following forms, as selected hy l.en�ler: (a) cash; (b) money order; (c) certificd chcck, banl< chcal:, trcasurei check oc cashier's check, rrovided any such chcck is drawn upon an institution whosc deposits �tre insiu•e�l by a federal ageticy, instruma�lality or cntiCy; or (d) Flectrnnic F'unds 'I �'lnsfer. Upon reinstatement by 13orrowcr, this Sccurity M?13ItA51<A--Single P�inily--Fannie Mac/Fredilie Msic lINIH'OI2M IN5'I�KUMb:N'I' �� 3382 Pngc 9 uf 12 Pprm 3U2R I/111 C /''� � �.