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<br /> If the amounts h�ld hy i.ender Por Escrow Items excad the amounts pecmitted to be held by RESPA, Lender
<br /> sh�ll�ccount to Borrawer for the excess ft�nd�a required by RESPA. If the amounta of funda held by Lender et any
<br /> time arr not sufficient to pay the Escrow lt�ms wh�n due. l.ender may notify the Borrower and require Borrower to
<br /> mAice up thc shartaga ts permitted by l2ESPA.
<br /> The Bscrow Funds ere plsd8ed a� additionsl security for all eums secured by thts Se�udty Inatrument. lf
<br /> Borrower tendecs to Lender the fttll payment of all such sums, Borrower's account shall be credlted with the balence
<br /> remaining for all inst�ll�mnt �cems(a), (b),and(c)und eny martgage insurance premlum inatellment that Lender has
<br /> nat become obligatod to pby ro the Secretary, and L.ender sh�ll pmmptly refund any excess fonds to Borrowar.
<br /> Immediately prlor tu a foreclosure eale of the Property or itR acquisition by Lender. Borrower'y account sb�ll be
<br /> creditod with any balAnce remalning for all instatlments for iroms(a).(b),and(c).
<br /> 3.AppNc�tba o[PAyments.All paymeats under pazagtaphe 1 and 2 shall be wpplied by Lender�s fallowe;
<br /> gjy�, ro the moitgage inauraace pnmium to be paid by Lender to the Secntary or ro the monthly ch�tge by the
<br /> Secretnry instead of the rnonthly mortgage Insurance pcemium;
<br /> �,to eny taaw,spocial assessu�eats,leasehald paymcnts or ground renW,aad Hre,tlood and other hn.ard
<br /> insuran�x premium�.�s required;
<br /> �,to Interest duo under the Note;
<br /> �y�,to unortizatioa of the prtncipal of the Note:and
<br /> �,to late chergea due under the Note. ���C1
<br /> 4.�,�loOSl�mi p�her I�ln�rd Iwurancx.Borrower shall iasure all improvemeats oa the Property,
<br /> aow in cxistencx or aubsoquendy�rected,agaiast any��arda,casualtfe�,and contingencies,ipcludit�g fire,for which
<br /> I.ender requina insurance. '�'hi3 insu►�nca ahall be maintained in the amaunts ujd far tha perloda thu La�der
<br /> requires. Borrower�ha11 dso(nsun all impmvements on the Properry, whether now in exiatence or �ubsoquently
<br /> orected,ag�inst laas by floods to the exteat required by the Secretary. All insurance ah�ll be carried wlth comp�nia
<br /> approved by L.a�dCr.The insuru.a polictes and any renew�ls shnll be beld by I.ender and ah�li Include loa� pay�ble
<br /> cI�uacs iu iavvr oi.�u�a f�rru:.�pi:hta io,I.tadar.
<br /> Ia the event of loss.Borrower shall give Lender immedlate notice by mail.Lender may make proof of loss If not
<br /> m�de pmmpxly by Borrower.F.aeh lnsuraacx eomgu�y coneemed is henby authorizM�ad dirocted to malce pry�sat .
<br /> for wch losa diroctly to Lcnder. instead of to Horrower and to Leader joindy. Al! or �ay part of the iflnunnoe
<br /> , prooeeds may be�ppliod by Lender,at ite option,either(a)to the reduction of the indebtalnoss under the Note a�nd
<br /> thia Sccurity Instrument,firat to any delinquent amounts applied in the order ui par�graph 3,md then to pre�Yment
<br /> � of principu, or(b) to the raearatlQn or rcpair of the de�nuged Propecty. AnY �pPlic�tion of the procxeds to tha
<br /> principnl ei�all nM extend ar postpone the duo date of tho monthly paymenW which u�e refetced to in puagrsph 2. or
<br /> cluwga tha a�wunt of such payment�. Any exceas insurazxx proceods over an nnwuat required to pay�Il outsumding
<br /> inclebtcdt�ess under tbe Nae and thlt 5ocurity Insuument sh�l1 be paid ro the entity leg�lly endtled clxreco.
<br /> In the evenc of forxlosurt of tbis SecurIry Instrumait or other transfer of title to the Property that eatinguisha
<br /> the indebtedness� all right. title aad interest of Borrower in and to iusi:rux:e policia in force shdl pass to nha ••
<br /> puc+chuer.
<br /> : S. Occupocy�Prexrration�MAIC�lIlAflCE IIAd Fl�lCU011 O�lIl!Plb[lMY�BO[[�OII!!'�S IA1111 A�QIIt1�OG�
<br /> LwdiolcY. Borrower ahall occupy. establieh, and use the P�operty as Bocrowor'�priacipil residesce wl�in siuey
<br /> , drys afler the exocution of this Sacuriry Instrucaeut(or within sizty days of a Ister sale or transfer of the Property) '�,•
<br /> And ah�ll continue to ocxupy tho Prt►perty aa Borrower's pr3ncipal residence for u least one year�fter the d�e of
<br /> . axupaocy,nnteas Lenda daemuaes that requirement will cause uadue hardshIp for Aorrower,or unlesa eatenu�ting
<br /> clncumstances exiat which ue beyond Borrower'a conuol. Borrower shul notify L,ender of my extenu�ting
<br /> circumatanxs.Borrower ehall aot commit wa�t�or destroy,damage or aubsteatially change the Propeity or�llrnv tbe
<br /> Pmperty to deterionte. reason�ble wcar and tear ezcepted.L$nder mdy inspect the Praporty if the Pcoperry ia v�cant
<br /> or�bu�doned or the loan is in default. Lender m�y take reasonable action to procect und preserve such vac�at or
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