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<br /> � � ���� 13. Loaa Ch��a. If the laan s�curcd by this Security Instniment is subject to a IAw which sets maximum laan
<br /> �''�� etur�ea,and that iaw ia fln�lly interpreted sc�thpt the interest or cxhe�lown char�{es coYlected or tu be collected in connection
<br /> . I
<br /> - -- I- - - -I ,with the laln ex¢eed the permiUed limlta,then:(a)any such laan cher�e+hell he reduced by the amount necessary m reduce
<br /> �� the char�e to the permined limit;md(b)ony sum�alr e a dy co l lec t e d from B anawer w h ic h exc e e d e d pa r m i tt e d l i m i 1 s w i l l
<br /> . ., ,,. ,, ba rcfbnded to Borrower.Lender nuiy chooce ta make thia roPond by reducin�the principwl owed undcr the Nae or by nwking
<br /> U�.� ' " :,^•. ` ' �dfrect p�yment to Borrower.If a rofund rcducea principal,the reductfon will bo trcated as a partiol prepayment without
<br /> -- _— wx�-��� assy PrtPayment che�e under the Note. _
<br /> �_;��;,,,-1j��`°�� ��., 11. Notfces. Any natice to 8otrowe�pmvidod for in this Secu�ty Instrumom shall be given by deliverin8 it or
<br /> - ��' by maiUna it by first cl�ss m�il unless�pplicable low requires use of anaher method.The nafce shall be djrected ta the
<br /> ��:t;�.�;,•.': :.aa.,�
<br /> - �� h.a;,�"��;. . Property Addrcu or Any other addreas Borrower desianates by notice to l.ender. Any notice to L.ender slwll be given by
<br /> .�--_��~"^*^',,� tiru class m�il la 4ender's addrcsa stated hercin or�ny other addrcxs Lender designater by notice to Borrower.Any notia
<br /> provlded for in thlc Security In�trument�hall be deemed to Aave been�iven to Botrower or L.ender whe��iven ar provided
<br /> � � t it�;.h�•:.;.•� in this puaQr�ph.
<br /> 1S. Governtn�Law;SeverabUlty. This Security Instrument shall ba govcrned by fodcra!law and the law af the
<br /> jurisdiction in which tho Propeny i�IocAtai.In the event thAt any proviabn or clause af this Security Instrument ar the Nate
<br /> conflicts with applicable law,such conflict sh�ll not Affect othcr provisions of thls 5ecurity lnstrument or the Note which
<br /> - °.�� . '`, cen be given affsct without the conflictin�provisjon. To thi�end the provlaions of this Secudty Instrument atid the Nae __
<br /> �� ..a�:.�;.;.,;:.. ;',� are decl�ued to 6c scvetable.
<br /> _-��`:i•:��°���.�T{;�;��„t;, 16. Bon�ower'�Copy. Borrower sholl be given one conformed copy of the Nate and of this Securiry bistrumeot.
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<br /> � 17. Traasie�of the Property or w Benelki�l interast in Borrower. If all or any pAn of the Properry or any
<br /> __ � '� .t;,:���� lntercst in it i�sold ar trAnsferrcd(or if a beneficial interest in Borrower is sold or tr�nsferred and Borrower is not a nntural
<br /> ° ' _ ,:,.. perwn)without Lender's prfor written consent, L.ender may, at its option, requi�c immediate payment in full of all sums
<br /> F secured by this Secudry Instrument.Howcver,thic option sh�ll�a be exercised by Lendar!f exercise is prohibited by fMeral
<br /> a• lilw as of the dale of thie Se�urity Instrumell[.
<br /> �� If Lender exercises thic option,Lender shall give Horrower notice of acceleration.'Che notice shall provide a period _
<br /> ' "` ` ` of not lesc than 30 days from the d�te thc naticc is dclivcrcd or mailed within which Borrower�ust a all sums securcd
<br /> : ;� P Y �:�-:
<br /> �%• by this Securky Instrument. If Borrower fails to pay these sums pr�or to the ezpimtfon of thia pedod,l.ender may invoke
<br /> �' � ' ��� � any remediec permitted by this Securlry Instrument wlthout ftinher natico or demand on Borrower.
<br /> _� ,_i.a.� b .�:_;�.P�= + ,�r ts certsfts cersdisfons. Bornwer sfi�l! lu�ve rhe ri ht to have
<br /> _ !�. Sasrazs�r c f33�t ta R�ic. !t'Borsa ar mee E
<br /> � °��� cntorcement of this Security Inatrument discontinued at any time prior to the earUer of: (a) S days (or such other periad
<br /> . „.���t•��--•w � ps Applic�ble law may specify for reinatatcmeny before salc of the Propetty pursuant to any power of salc conwined in this
<br /> ' „ •• � Sav�ity Instcument;or(b)entry of a judgment enforcing this Secur�ty Instrument. Those conditions are that Borrower. _
<br />- �� -. (a)pAys Lender nll sums which then would be due under this Securiry Inatrument and the Naee us if no acceleratian had ._-_
<br />��:.� •� occurred;(b)curcs a�y default of any other covenants ar agraments;(c)psiys all eapenses incurred in enforcing thie Seeuriry ��"
<br /> -'-_�� � ���.—.;—' --— lnslrument, mcluding, �ut na limited to, reasonable anorneys' fees; anci ld) takes such ac�ion as I.ende�may rcusunubly -
<br /> �:;;• � require to Assurc that the lien of this Security lnstrument. Lender's�igMs in the Properry and Horrower's obligation to pay
<br /> � •• the sums secured by thi�Secu�lry Instrument shall conpnue unchanged. Upon reinstatement by Borrower,this Sccuriry ln-
<br /> ,.;, � stnunent and the obligauons aecured hereby shall remain fully effect�ve as if no acceleration Iwd accurred.However,this
<br /> �• , rf�ht to reinttate sholl not apply in the cese of acceleration under paragraph 17. "
<br /> �a •"• 19. Sde of Note=Clu�nge ot Lown Servicer. The Note or a paKial interest in the Note(together with this Security �_"
<br /> ��° � Instrument) may be sold one ar moro times without prior naice to Borrower. A sale may result in a change in the entiry �'"""
<br /> �i►.r�• 4 � (known as the "L.oan Servicer") thot collects monthly payments due under the Note and thia Securiry Instrument. There
<br /> �"-:' also may be one or more chenges of the Loan Servicer unrelated to a sale af the Note. If thene ie a change of the Loan
<br /> � �• Servicer,Borrower wIl1 be given wrinen notice of the change ln accordance with paragraph 14 above and applicable law. �'-`
<br /> � The notice will etate the name and addrcss of the new Loan Servicer and the address to which payments should be made.
<br /> s�" .: . The notice wUl also contain nny other information required by applicable law.
<br /> . ,�. ° ?A. H�ardous Subxt�neec. Borrower sholl not cause or permit the presence, use,disposal, storoge,or nlease
<br /> ;'. ' . ,� � of any Hazardous Subatances on or in the Property.Bonower shall not do,nor allow anyone else to do,anything affecting
<br /> : " • the Property that is in violation of any Environmental Law.The preceding two sentences shall not appty to the presence, �'
<br />��`''�. : :T use,or storage on the Properry of small quantities of Hazardous Substances that are generally rccognized to be appropriate
<br /> � '° - - , to normal reeidentlal uses and to maintenance of the Properry. �..,
<br /> ,� . .�, � " � Borrower shall promptly give Lender written notice of any invest�gation,claim,demand, lawsuit or other action by
<br /> �• ;�, . _ any govemmental or regulatory agency or private parry involving the Property and uny Hazardous Substance or ��.�.
<br /> ' s ••-. � � Emironmental Law of which Borrower has actual knowledge. If Barrower learns,or is notified by uny governmental or �;_
<br /> ' , regulatory au�horiry.that any rcmoval or other remediation of any Hazardous Substnnce affecting thc Propeny is necessary,
<br /> � � Borrower sh�ll promptly take all necessary remedial uctions in �cc�rdnnce with Environmentn! Luw. ���
<br /> As used in this paragraph 20,' Hazardous Substonces"are those substances defined as toxic or hazardous substonces �
<br />; � by Envi�onmental Law and the following substances:gasoline,kerosene,other flammable or toxic petraleum praducts,toxic �
<br /> pesticides and herbicides, volatile solvents, materials containing n�bestas nr formAldehyde, and radiaactive materials. As
<br /> , • � ` used in this paragraph 20,"Environmental I,aw"mcans federal laws and laws of the jurisdiction where the Property is lacated
<br /> .- that relate to health. safety or environmental protection. � �
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<br /> NON•UNIFORM COVENANTS. Borrowcr und Lender further covenunt and ugree as follows:
<br /> 21. Acrcleration;Remedtes.l.ender sholl glve notice to Borrower prior to accelerntion followiog Borrower's
<br /> ,�.. breach of en��covenant or agreement in thls Security Inslrument lbut not prior to acceler�tion under paragraph 17 � _
<br /> - • '— udess�tpplkable law provldes otherwise).The notice shall specify:(a)Ihe default;(b)the action requlred to cure the `
<br /> ',. detvulh (c) a dwte. not less than 30 dpys frum the dote the noHce is glven to Borrower.by which the deiault must
<br /> • be cured;pnd(d)thot fallure to cure the deipult on or before the date speciBed in the nottce may result in�ecelemtion
<br /> � ot the sums secured by this Security Instrument and sale of the Property. The notice sholl further inform Borrower
<br /> of the right to relnstate after accelemtion and the right ta bring�court�cdon to assert the non-existence of a dePault
<br /> or any other defense ot Borrower to accelerotion and sole. [f the detault is not cured on or before the date specftied
<br /> " In the notke�Lender at its option may require immedtate poyment in f'utl of All sums secured by this Securlty Instrumeat
<br /> wlthout Nrther demand and may invok the power of sale ond any other remcdies permitted by applkable law.Lender
<br /> � • sholl be enNtled to collPCt all expenses Incurred in pursuityR the remedies provided in this paraRrwph 21.includinQ,
<br /> " but not Ilmited to. reasunoble altorneys' fees end costs of title evidence.
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