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<br /> � '' If the amaunts hcld by Len�ler for A?scrow Item9 eaceed the amounts permitted to be hcld by RESPA, L,endes -
<br /> :��'"�' � ehall account to Borrower for the eacess funds as requlred by RESPA. If the amounta of funds held by Lender at any -
<br /> `:;-.��►■ timc ts not sufftcient to p�y the Escrow Item9 when due, Lender may nodfy the Borrower and require Sonower to
<br /> ,,,,,,r,��� make up the sliortage se permitted by RESPA. °
<br /> � �� 'the Escrow Furtde are pledged as addltlonal security for ull sun�s secured by this Security Instrument. If _
<br /> -� ,� Borrower tendern to Lender the fuil payment of all such sums, Banower's accuunt shall be creciited with the balance =
<br /> ranaining for all lnstallmcnt items(a), (b), nnd (c)and swy mortgago insurancc premium instullmeat th¢t Lender hae =
<br /> • >.'.° not become obligated to pay ro the Secreutry, und Lender shall prompfly refund any excess funds to Borrower. -
<br /> I�;;_ . "� Immafiately prtor to n foreclosure salo of the Property or ite acquisitcon(�y L,ender, Borrower's account shaU be _
<br />::�4;�=, credtted with nny balance remainiug for all installmente for items(a),(b➢.and Qc).
<br /> ;�t_,.;�.: � 3.Appllca►tlon o[Peyments.All peymcnts under paragraplis 1 and 2 si�all bc applied by Lender as follows:
<br /> =------ �.to the mortgage ipsurnnee premium to be paid by Lender to ttio Secretary or to the monthly charge by the
<br /> `:°.�°'�' Secrttary instead of the moathly mortgage insurance ptem[um;
<br />_�: � ��,to sny t�.-r.��s,apecial assessruents, I2n��hald paytnents or ground rettts.a�c:�*P,tlood anca otficx hazard
<br />""9��"'t' in�urance premtums,�s r�guired;
<br /> :�..-��;"'�' ��,to intenst due under tl�c Note;
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<br /> -- Fourth,to a�nortizadon of the principal of the Note;and
<br />;;�;: r. �,to late ch�r�ca dua under the Note.
<br /> _:� 4.Flre,F1aod and Other Ha�ard In.gurance.Borrower shall i�sure all improvements on the Pr�perty,whcther
<br /> -=�A� now ln exiatenee or subsequently encted,ageinst any hazarde�casualties.ana contingencies, including fin,for which =
<br /> ��- I.,ender requins insurance. This insurauce ahall be maintained in the amounts and for t;ae perioda chat Lender _
<br />-�--` requine. Borrower shall also insure all improvements on thc Property. whether now ia eaistence or subsequently
<br /> °� erected, ag�inst loss by floods to the eatant reyuired by the Secretary. A.il Insurance shall be carrled with companics
<br /> - -- epproved by Lender. The insurance policies aad any nnowa(s shall be held by Lendex and ahall include loss payable
<br /> - - �1:�x�i;,..ac�f,�z�tn a fss::tu ac�gt�bl;,ta� I.ender.
<br /> In the event of lose,Borrower shall give Lender immediate nottce by r�ail.Lender may make praof of loss if not
<br /> mude protr.ptly by Borrower. Each insurance compaay conamed is hmr�by authorizecl and directed to meke payment
<br /> —_ for such los� direcdy to l.endar, lnstead of to Bonawer and to Lender jointly. All or any part of the insuranee
<br /> proceed� may be applled by I.endor, at its option,elther(a)tA the rodaidtEon of the indebtedness under the Notc end
<br /> - thie Security Wstrument,first to any deltnquent amounts applied�la the�rder in paragraph 3,and then w prepayment
<br /> • of princlpal� or N) co the rcatoration or rep�ir of the damaged Property. Any applicadou of the procads to the
<br /> principil ehall not extend or postpone rhe due date of the monthly puymenta which are referred to in pazagraph 2,or
<br /> ch4n�e the amount of such payments. Any excess insurancc proceede over an amount rcquired to pay a1l outstanding
<br /> � indebtedntaa und�r the Note and this Security In�tniment shail be paid to the entity legally entitled thereto.
<br /> (n tho event of forcclosuro of thIs Securiry Instrument or other uansfer of tidc to ths Property that extinguishes _
<br /> �he lndebtednes�, all rigtu, title and interest of 13ortower ia aud to insurance policies In force shall pass to thc
<br /> purcheaer.
<br /> S.Occ�tpnncy, PreservaUon�Mntutenance a�d Pratecthon af the Property; Borr�,cser's Loan Applicatfon;
<br /> L,e�uelalds. Sorrower ehall occupy, establish. and uae Shn Prop�rty as Bonower's principal residence within el�cty _
<br /> d�►y��Res the execudon of this Securlty Instrument(or withtn sbcty days of a later sale or uansfer of tho Property)
<br /> �nd th�ll conttnuc to occupy the Property as Bocrower's principal residence for at least one year aftcr the dato of
<br /> occupu�cy,u�tcss Lender deteroilnes thac nequirement wI[G xau.ss undue hardsMp for Borrower,or unless extenuating
<br /> clr�utiutRnces calat wliich aro beyond Borrower's cm�zt�rol. Hoaower shaU notify I,ender of aiay extenuating
<br /> cltcutmttutces.Bnrrower ehall not ootnmit waste or desuoy,damage or substantlally chunge tt►e Property or allow the
<br /> lympeny tn deteriorate�nasonablo wear aad tear excepted. Leader may inspect the Property lf cho Property is vacant
<br /> or abendored or the loan 1s in dcfault. Lendc� may teko reasanablc acdon to protect aad preserve such vacant or
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