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<br />(11) To pay or reimburse the Government for expenses reasonably necessary or incidental to the protection
<br />of the lien and priority hereof and to the enforcement of or the compliance with the provisions hereof and of the note
<br />and any supplementary agreement (whether before or after default), including but not limited to costs of evidence of
<br />title to and survey of the property, costs of recording this and other instruments, attorneys' fees, trustees' fees, court
<br />costs, and expenses of advertising, selling, and conveying the property.
<br />(12) Except as provided by the Government regulations, neither the property nor any portion thereof or
<br />interest therein shall be leased, assigned, sold, transferred, or encumbered, voluntarily or otherwise, without the
<br />written consent of the Government.
<br />(13) At all reasonable times the Government and its agents may inspect the property to ascertain whether
<br />the covenants and agreements contained herein or in any supplementary agreement are being performed.
<br />(14) If (a) the interest rate, payment, terms or balance due on the loan is adjusted, (b) the mortgage is
<br />increased by an amount equal to deferred interest on the outstanding principal, (c) the maturity of the debt evidenced
<br />by the note or any indebtedness to the Government secured by this instrument is extended or deferred or the
<br />payments on such debt are renewed and rescheduled, (d) any party who is liable under the note or for the debt is
<br />released from liability to the Government, (e) the lien on a portion of the property is released, (f) the lien on the
<br />property or any part thereof is subordinated, and/or (g) the Government waives any other of its rights under this
<br />instrument, the lien or the priority of this instrument or borrower's or any other party's liability to the Government
<br />for payment of the note or debt secured by this instrument shall be unaffected unless the Government says otherwise
<br />in writing. HOWEVER, any forbearance by the Government B whether once or often B in exercising any right or
<br />remedy under this instrument, or otherwise afforded by applicable law, shall not be a waiver of or preclude the
<br />exercise of any such right or remedy.
<br />(15) The power to appoint a substitute trustee, who may at the option of the beneficiary be a salaried
<br />employee of the Government, is hereby granted to the Government and its assigns, to be exercised at any time
<br />hereafter, without notice and without specifying any reason therefor, by filing for record in the office where this
<br />instrument is recorded an instrument of appointment, whereupon the substitute trustee shall succeed to all the
<br />estates, rights, powers, and trusts herein granted to or vested in Trustee, and the former trustee or substitute trustee
<br />shall be divested thereof; and notice of the exercise of this power and any requirement of, or right to require, a bond
<br />from any trustee hereunder, are hereby waived.
<br />(16) Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun
<br />that in the Government's good faith judgment could result in forfeiture of the property or otherwise materially impair
<br />the lien created by this instrument or the Government's security interest. Borrower may cure such default by causing
<br />the action or proceeding to be dismissed with the ruling that, in the Government's good faith determination,
<br />precludes forfeiture of the Borrower's interest in the property or other material impairment of the lien created by this
<br />security instrument or the Government's security interest.
<br />(17) Borrower shall also be in default if Borrower, during the loan application process, gave materially false
<br />or inaccurate information or statements to the Government (or fail to provide the Government with any material
<br />information) in connection with the loan evidenced by the note, including, but not limited to, representations
<br />concerning Borrower's occupancy of the property as a principal residence.
<br />(18) Default hereunder shall constitute default under any other real estate, or under any personal property or
<br />other security instrument held or insured by the Government and executed or assumed by Borrower, and default
<br />under any such other security instrument shall constitute default hereunder.
<br />(19) SHOULD DEFAULT occur in the performance or discharge of any obligation in this instrument or
<br />secured by this instrument, or should the parties named as Borrower die or be declared incompetent, or should any
<br />one of the parties named as Borrower be discharged in bankruptcy or declared an insolvent or make an assignment
<br />for the benefit of creditors, the Government, at its option, with or without notice, may: (a) declare the entire amount
<br />Initial AI date ,or;/ % 402 / Page 4 of 6
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