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<br />explicitly or irnp2icitly allow the parties to agrce by contract or it might be silent, but such silence shall not be
<br />construed as a prohibition against agreement by contract. In the event that any provision or clause of tLis Security
<br />Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security
<br />Instrument or the Note wlrich can be given effect without the conflicting provision.
<br />As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding
<br />neuter words or words of the f�*++�n�ne gender; (b) words in the singular shall mean and ittclude the plural and vice
<br />versa; and (c) the word "may" gives sole discretion without any obligation W take any action.
<br />17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrumen�
<br />18. Transfer of t6e Property ar a Beneficial Interest in Borrower. As used in tivs Section 18, "Interest in
<br />the Properly" means any legal or beneficial interest in the Property, including, but not litnited to, those beneficial
<br />interests h�ansferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent
<br />of wluch is the transfer of flUe by Borrower at a future date to 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
<br />natural person and a beneficial interest in Bonower is sold ot transferred} without Lender's prior written consent,
<br />Lender may require immediate payment in fiill of all sums secured by trris Security Instrument Hnwever, klils option
<br />shall not be exercised by Lender if such exercise is prohibited by Applicable Law.
<br />If Lender exercises this option, Lender sl�all give Borrower notice of acceleration. The notice shall provide a
<br />period of not less than 30 days from the date the ttotice is given in accordance with Section 15 within which Borrower
<br />must pay all sums secured by ttus Security Instrument. If Borrower fails to pay these sutns prior to the expiration of
<br />ttus period, Lender may invoke any remedies perrni#ed by this Security Instrument without further notice or demand
<br />on Borrower.
<br />19. Borrower's Right to Aeinstate After Aceeletation. If Borrower meets certain conditions, Borrower shall
<br />have the right to have euforcement of this Security Instrument disconflnued at any time prior to the earliest of: (a)
<br />five days before sale of the Property pursuant to any power of sale contained in Uus Security Insh (b) suc6
<br />oiher period as Applicable Law might specify for the termination of Borrower' s right to reinstate; or (c) entry of a
<br />judgment enfoccing this Secucity Instrumenk Those conditions are that Borrower. (a) pays Lender all sums which
<br />then would be due under this Security Inshument and the Note as if no accelerarion had occurred; (b) cures any default
<br />of any other covenants or agreements; (c) pays all expenses incurred in enforcing Nus Security Instrument, including,
<br />but not limited to, reasonable attotneys' fees, property inspection and valuation fees, and other fees incurred for the
<br />purpose of protecting Lender' s interest in the Property and rights under this Security Instrument; and (d) takes such
<br />action as Leader may reasonab]y require to assure that Lender' s interest in the Properry and rights under this Security
<br />Instrument, and Borcower' s obligation to pay the swns securedby tlils Security Instrument, shall continue unchanged.
<br />Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following £orms,
<br />as selected by Lender: (a) cash; @) money order; (c) certified check, bank check, treasurer' s check or cashier's check,
<br />provided any such check is drawn upon an institu6on whose deposits are insured by a federal agency, inshvmentality
<br />or entity; or (d) EIectronic Funds Traosfer. Upon reinstatement by Borrower, tlris Security Instruwent and obligations
<br />secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall
<br />ttot apply in the casc of acceleratioa undet 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 wifh Uus Security Instrnment) can be sold one or more times without prior notice to Borrower. A sale might
<br />result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note
<br />and this Securiry Insuument and performs other mortgage loan servicing obligations under the Note, this Security
<br />Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale
<br />of the Note. If Lhere is a change of the Loan Servicer, Borrower will be givan written notice of the change which will
<br />state the name and addzess of the new Loan Servicer, the address to which payments should be made and any other
<br />information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and theteafter
<br />the Loan is serviced by a Loan Servicer other Wan the purchaser of fhe Note, the mortgage loan servicing obligations
<br />to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not asswned
<br />by the Note purchaser unless otherwise provided by the Note purchaser.
<br />Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual
<br />litigant or tha member of a class) that arises from the other part}� s actions pursuant to this Security Instrument or that
<br />alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Inshwncnt,
<br />until such Borrower or Lender has notified the other patty (with such notice given in compliance with the requirements
<br />of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such
<br />nodce to take conective action. Tf Applicable Law provides a time period which must elapse before certain acrion
<br />can be taken, that time period will be deemed to be ;easonable for purposes of this paragraph. The noUce of
<br />acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given
<br />to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action
<br />provisions of this Section 20.
<br />21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" aze those substances
<br />defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances:
<br />gasoline, kerosene, other flawmable or mxic petroleum producu, W�cic pesticides and herbicides, voladle solvents,
<br />materials contsining asbestos or formaldehyde, and radioactive materials; (b) "Environtnental Law" means fecieral
<br />laws and laws of the jurisdiction where the Property is lceated that relate to hea[th, safety or env'vonmental protection;
<br />(c) "Envirocunental Cleanup" includes any response action, remedial ac6on, or removal action, as defined in
<br />Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or
<br />otherwise trigger an Environmental Cleanup.
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