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<br /> �7— 109a 91
<br /> If tha amountx hcld by Lcndcr far Escrow Itcma cxcocd thc amoun�g permittcd to bc hcld by R�SYA,I.cndcr shall
<br /> Account to Aorrowcr for thc cxccss funds as rcquircd by RESPA. If thc amounts of funds hcld by Lcndcr at any timc
<br /> ere not sufficicnt to pay ihe Escrow Itcros when duu,Lender may notify thc Borrower And rrquire Boaowcr to mnkc up
<br /> the shanagc as permittcd by RESPA.
<br /> The Escrow runds sue plcd�ed as addidonal security for ell sums securecl by thia Seciuiry Inste�menG If Borrawer �
<br /> tendc�s to Lcnder the full paymertt of all such sums,Boimwcr's account shall be credited with tho balanc4 rcmaining for
<br /> all instaUment items(a),(b),and(c) and any mortgage insurancc prcmium instaUment that laader has not become _
<br /> obUgatcd W pay to the Sxntary.and L.cndu shaU prompdy rcfund any cxcess funds to 8orrowa. Immc3iatcly prior to
<br /> a foroclosure salc of the Property or its acquisidon by Lcndu,Borrowor's account shall bc�rcdit,ed whh any balance
<br /> remaining for all installments for Itcros(a),(b),and(c).
<br /> 3.Application ot PAyments.All paymcnts undcr paragrnphs 1 and 2 shall be appllcd by I.ender as follows:
<br /> Ejigi,to thcs mortgage insurance prcmium to be paid by Lcndu to thc Secretary or w tho monihly chargc by the
<br /> Secrctary instead of the monthly mortgegc�nsuranco premium;
<br /> ��,to e,ny taxes�special assessments,lcasehold payments or ground rents,and firc,Noad and other hazard
<br /> Insurance premiums�as requjred;
<br /> y�,to interest due under the Note:
<br /> g�,to pmortizatton of tha princtpal of the Note;and
<br /> �.to latc chargcs due under thc Nate.
<br /> 4.Flre,Flood And Other Hw�rd InserAnce.Borrowec shaU insura all improvements on the Property,whcthGr
<br /> now in existence or subsequently erected,against any hazards,casualties,and wndngencies, including C�re.for which
<br /> Lender reyulres insurance.This insurAnce shall be maintained in the amounts and for the periods that L.ender requires.
<br /> Borrower shall also insure all improvements on the Propr,rty,whether now in existence or subsa�aently erected.against
<br /> loss by floods to tha extcnt requircd by the Scxretary.All insurance shall be carried wlth companks approved by L,cndu.
<br /> 'Ihe Insorence polkies and any renawals shall be hcld by L.ender and shall indude loss payablc clauscs in favor of,and
<br /> in a foim acceptabla to.Lender.
<br /> In tha event of loss,Borrower shall give Lendu Lnmediate notica by mail.Lender may make proaf of loss If not
<br /> made prompdy by Bomower.Fach insuranee campany concemed is hereby author3zed and dir�ckd to make payment for
<br /> st�ct►loss dIrectly to I.ender.instead of to Borrowcr and to L.ender jointly.All or any part of the inswance procads may
<br /> bc appiiod by Lendu, a�i�s opiion. citi�u <e)tv t�� �2ctucdan of slic�dchialss� s:ndu Lhs*T�tt�l.hfs S��!r'_!Y
<br /> Instrument,fust w any delinquent amounts applied ln tho order in paragraph 3.and then w pre�ayment of principal,or
<br /> (b)to the restoratlon or repair of the damaged Proprrty.MY ePPUca�On of the pcoceeds co the principal shal►not oxtend
<br /> or postpone the due date of thc monthly payments which are referred w in paragraph 2,or change the amount of such
<br /> paYments.Any eacess insurance procads ovu an amount required w pay all outstanding indebtedness under the Note
<br /> and this Securlry Instrument shell be paid to the endry lcgally entidod thcreW.
<br /> In tho event of foioclosiue of this Security Insuument or other�ransfer of dtla to the Propaty that extinguishcs tha
<br /> �ndebtedness.all rfght,tlde and jnterest of Borrower in and to insurance policies in force shall pus to the purchaser.
<br /> 5,Oocupancy,Preaervatba,MAintenpnce ond Protection ot the Praperty; Borrotiver's Los�n Appik�tbn;
<br /> Leasehokb. Borrower shaU occuPY.establish,and use�he Properey as�orrowujs principai nsdence wi�hin sixcy dars
<br /> efter tNa exxudon of this Securiry Instrumcnt(or within sixry days of a later sale or trartsfer of thc Pmpaty)end shall
<br /> condnue w occupy the Property as Bomowu's principal resideace fa at least one year afta thc dato of occupancy,
<br /> unless Lcncfer determines that requlrement wUl causa undue hardship for Borrowu,or unless ezteamating circumslu►ces
<br /> ea�ist which are beyond Borrower's control.Borrower shaU nodfy Lender of any extenua6ng cincums�nces.Borrowu
<br /> shaU not commit wagce or des�oy,damage or substantiially change the Pcopecty or allow tlu Property to detuiorate,
<br /> rea4oiwble wear and tear exceptod.I.ender may inspoct the Property if the Propeaty Ls vacant orebandoncd or the loan is
<br /> in defaulG Lender may teke reasonable action to protoct and preserve such vacant a abandoned Property.
<br /> �4R(NE)lodo�t.o� Pap�3 0l B Initlais:
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