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<br />     					If thc Property is abnndoncd  by Aorrower, or ef,niter noticc by Lendcr lo l3orrowcr thrit the condcmuc�r offcn				•
<br />    „    '	-    		to make nn awsud or setAe a clalw for damages, Aorrower fnils to respoud to l.cudc� withln 30 days after the date thc  				�
<br />       				uotia: is p;iven,Lcuder IS Al11IlOTI'LCd to callcct aud npply thc procccds, nt its option, clthcr �o rcgtorndou or repalr ��(   	'   		� �
<br /> 			�      	thc Property or to thc sums s�;curcd by this Sccudty ius�ruwcut, whcthcr or nat thcu duc.       				�     		`
<br /> 			�   		Uuless L.ender nnd Borrawer atherwlse ngree ia wdling,nay applicntioa of procceds to p�inclvnl �hnU not extend    	i   		.• +
<br />       				or pos�ponc tlic duc detc of thc monthly peymcnts referrcd to in pnr�graphs 1 and 2 ar chan�;c �hc uni�uni uf such
<br /> 			,      	pnyments.    															;     .      	�
<br />     					Il. Br�tmower Not Rdeastd; Forbearmce By Leu6er Not a R/siver.  F�cteasion of thc tiuic for pnywcnt �ir   	,
<br />					modiflcution of nmorti•ration of the sums se�:ured by tWs Secudty Iustruntent }�anted by Iw:nder to viy suc:cessor iu 				'
<br />					interest of Borrower shnll not operate to rclease t�c ltability of thc ori�nal Borrawer or Borrower's succt;ssors in   	'
<br />					interest.  I.ender shall not be requltcd to cammence proceedings against any successot in intetest or refusc to extcnd
<br />					tinte for payu►ent or otherwtse modify aworqzation  of the sums secured by this Security Instrumeut  by reacou of�wy   	�    		�
<br />					demand made by the orignnl Borrower or Borrower's successors in interest.  Any forbearance by Lendrr in exerrising   	�
<br />					any right or remedy sLall not be a waive� of or preclude the exerclse of any right or remedy.       						.
<br />     					12. Saoce�ors and�►SSi�s Bonad;Joint md Sever�l I3abllity;Co-sig�eis. 'Ihe covenants aud agrcemcnts of this
<br />					Security Instnunent shall bind aud bene8t thc successors and assigis of Lender and Borrower, subJect to the provisions
<br />					af pazagraph 17. Bonov�er's wvenants and ageements shall be joint and several.  Any Bonower who w-sigis this
<br />					Sccurlty Instrument but does not execute the Notc:  (a) is ca-slgning this Secudty Instrument only to ruortga�e, grant
<br />-      				and convcy that Borrower's intcr�t {n ihe Property under the terms of th3s Sccurity Instrument; (b) 1s uot penon:tlly
<br />    	•   			obllgated ta pay the sums secured by thls SecurIty Instnw�ent; and (c)agees that I.ender and any ather Borrower may   	�
<br />					agce to extcnd,modify,forbear or make any accommodations with regard lo the tenus of this Securily Instrumcnt or  		�    	#
<br />					the Note without that Borrower's consent.       													�,
<br />     					13. L.om Cbaiges. If the loau secvred by th{s Secudty Instrument is subject to a law which sets maximum luau    	� 	�	��'
<br />      		. 		charges, and that law Is�inally interpreted  so that the interest or other loan charses collecte4 or to be collected in
<br />																								;�_,
<br />					connection with the loan exceed the permitted limits,then:  (a) any such loan charge shall be reduced by the amount				,,.
<br />					necessary to reduce the charge to the perniitterl limit; and (b) any sums already collected from Borrower whic6       			,:r
<br />					�xceeded permltted limits wlll be refundeci to Borrower.  I.ender may choose to make tttis refuad by rrducinb the   			.�, G';
<br />					pdncipal owed under the Notc or by making a direct payment to Borrower. If a refund reduces prindpnl, the reduct{on    			�
<br />					will be treated as a partial prepayment without any prepaywent chazge under the Note,							f�--
<br /> 			�   		14:  N�tir�a:  Any nqt{rc� tn Rnrrnwer nmvided fnr in thia Cec�tr(ty inctmmcQt cha]1 hr �VPLI}1V(IPIiVPTlQo jt nr     	____��ir,..�
<br /> 			�      	by mailing it by first class mail unless applicable law requires use of another method.  The notice shaU be directed to   	�     l .   `�. ';"i
<br />					the Property Address or any other address Bonower destgnates by notice to I.ender.  Any notice to I.endcr shaU he   			'
<br />					�iven byIIrst class mul to Lender's address stated hercin or any other address I.end¢r desiguates bynotice to Borrower.
<br />  .     				Any notice provided for in ihis Security Instrument  shall be deemed to have been given to Bonower or I.cnder wheu     	•  .
<br />					gven as provided in tWs paragaph. 													.  •,
<br />     					15. Goveming I.aw;Soverability. Thls Secudty Instrument shall be goverued by fedcral law and thc law of the      	„ .
<br />					jurisdiction {u which the Properiy is locsted.  In the event that any ptovlsion or clause of this Secnrity Instruutent or 		•   � " �
<br />					the Note conflicts with applicable law,such confllet shall not affect ot�er provisions of this Security Iustrument or the   		•  � � �
<br />       																						,,a,S
<br />					Note whlch can be given effect wlthout the confltcting p:o��ision. To this end the p�ovisIons of tttis Secudty Instrument    		�
<br />					and the PJote arc declared to be severable.       											�      '.
<br /> 		•    			16. Bonower's Copy. Sorrower shall be given one confonned copy of the Note and of this Sccudty instrument.    		,
<br />     					17. Tansfer of the Prarperty or a Beaafidil  Intenst in Bormwer.  If all or eny pari of the Property or any      		; ��'�`�
<br />					intcrest in it is sold or transfencd (or !f a bcne$clal interest in Bonower is sald or ttansferred and Bonower is not      		�	`
<br />     �  				a natural person) without I.ender's priur written consent, L.ender may,at its option, reqtdre Immediate pa}m�ent in full		•   %� 	—
<br />					of all sums secured by this Secudty Instnwient.  However, tlils opt{on shall not he exercised by I.ender if exercise is
<br />					prohibited by federal law as of the datc of thls Security Instrumcnt.										��
<br />     					lf L.cuder exercises this option, I.ender shall givc Borrower notice of accelcration.  T6e nottcc shall providc a   			_���?
<br />					period of not ]css than 30 days from the date ihc notice is delivered or mailed within whlch Borrower must pay all       			•
<br />					sums secured by this Securlty lastrument.  If Bonower fails to pay these sums pdor to the expirntion of t6is period,      			%�
<br />					L.ender may invoke any remedies pennitted by this Security Instnwicnt without furthcr notice or demand on Bonower.  		�k•       �,
<br />     					18. Borro�vcr's Rtght to Re3sslatc.  If Bortower mects certain c;onditions, Bonowcr sh�ll havc the righs to have   	�    	�     "
<br />-       				c.nforcement of this Security Instrument disc:ontinued  at any ttme prior to the earlier of: (a) 5 days(or suc6 other   	�
<br />					period as applicable law may specify for reinstatement)  before sale of the Property pursuant to any po�ver of salc
<br />   ,    				contained in ttus Security Instrument; or(b)entry of a jud�►ent enforcing tWs Securlty Instrument.  Tliose cc�uditious
<br />					are that Bonower:  (a) pays Lender all sums which then would be due under this Security Instrumeut and thc Notc   	!
<br />					as if no acceleration had occuned; (b) cures auy default of any othcr covenauts or agreements; (c) pays all expenses
<br />					incurred in enforcing thls Security Instrumeut, including,but not limitecl to,reatonable attorneys' fees; and (d) talces   	�   		,
<br />					such :ction as Lender way tensanably require to assure that the lien of tLis Securlty Instrument, L.ender's rights in the
<br />					Properiy and Borrowcr's oblibatiou to pay the sums sccured by this Sccurity Instrument shall continue unchanged.
<br />					iTpon reinstatement  by Boaower, this 5ecurity Instrument  and thc obligations secured hereby shall rcmvn fully
<br />					�ffcctivc as if no accelcration Uad occuncd. Howcvcr, ilus right to rcinstatc shall not apply in ihc casc of accelcration
<br /> 			1      	undcr paragraph 17.
<br />      					19. S�Ic of Notc; �ngc of Loan Servicer.  Tlic Notc or a partial interest in thc Notc (togethcr  with this
<br />    �  				Seeuritv Iactrumentl msv he cold one or more tim�c without nrior nntice tn Rnrrnwrr  A c�t� mav r�cnit in n,•h�n.�.•
<br /> 			l      	in the entity (known as�the "Loan Servicer°) that �rollects monthly payments due under ihe Note .wd this Security
<br /> 			i      	Instrument.  'Rtcre :ilso way bc oae or more chan�cs of the [,oan Scrviccr unrclatcd to a salc af tbc iJutc.  If tt�crc
<br /> 			'      	is a change of the I.oan Scrvicer. Bnrrower will be �iven written notice of t6e c6ange in aa;ordanu; �vith paragraph
<br /> 			i      	ld ahovc wd applicablc law. The notice �vill state the name and address of the new Loan Scrvicer and the addre�.a
<br /> 			j      	to whic6 paymcnts shoiild be made.  Thc notice will also contain any other informatton requircd by applicablc la�v.
<br /> 			�   		7A. I;aardons Sabstutocs.  Borrowcr sh:ill not cause or pecmit thc presenix, use, disposal,storagc, ur relca�c
<br /> 			'      	of wy Fiazardous tiubstanccs  on or in the Property.  Borrowcr shall not do, nor allo�v anyone elce to Jo, wythiug
<br /> 			�      	affectin� thc Propcny that is in violation of any F:nviroumental  Law. 'ILc preceding two sentencx.e s6a11 nut apply to
<br /> 			�      	t6e presence, use,ur slorage on the Pmperty of small quantities of Huzardous Substanres that are generally recognir.cJ
<br /> 			�      	to be appropriatc  to normal residcndal nsec wd t� maintenancr. of thc Property.
<br />					NEIilW.1KA–timglc I'unuly �-Famlc ALc/Tmddie 11�e UiVIFOAM QVS'IRUMFWP 		►rorm 30�9I90lPu�r a ui a F'aNC>i
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