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��1 5��7�3 far�he duration of such�orrovwer's Iifetime; b. Such Eligi�le Nan-Borrowing Sp�use has occupied,and�antinues to�ccupy,the Property [his�her� Principal Residence; c. Such Eligible I�on-�3orrov�ing Spouse has established legal ownership or other ongoing�egal right ta rernain in the property securing this I�ot�; d. All other obligati�r�s af the Borrawer under the Note,the Loan Agreement and this Security�nstrument continue to be satisfied;and �. The Note is not eligible to be ca�led due and payabl�fQr any other reasvn. This sub paragraph�ii}is inapplicable or nul�and�oid if an Eligible I�Ton-Borrowing Spouse is or becames an Ine�igible Non-Borrowing Spouse at any time. Further,during a deferral af the due and payable status,should any of the conditions far d�f�rral listed in this Paragraph cease�o be met, such a deferral sha�l immediately cease and th�Note wi 11 become irnmediately due and pa�able in accordance vWith the pra��si�ns af Paragraph 6 �A}�i}of the Note. (h�Due and Payab�e-Sale.Lender may r�quire immediate payment in fu11 nf a11 sums secured by this Securit�Ins�rument if all of a Barrower's title in the Fr�perty�nr his or her beneficial interest in a trust owning ali or part�f#he Property}is sald ar�therwis�transferred and n�other Barr�wer retains title to th�Properry in fee simp�e or r�tains a leasehflld under a l�ase for not less than 99 years wh�ch is renewab��or a lease having a remaining period af n�t�ess than SD years heyand the date of the I O�th birthday�f the youngest B�rrower or retains a life estate�ar r�taining a heneficial interest in a trust vvith such an interest in the Property}. A def�rral of du�and payah�e sta.tus is nnt �ermitted when a Lender re9uir�s immediat�payment in full under this paragraph. �c)Due and Payable with Secretary Appra�al.-Lender rna�re�uire irnmediate payment in full of a�� sums secured by this Se�urity Instrument,upon appro�al of the Secretary,if: �i}Proper�y ceases ta be the Principai Residence of a�orrower for reasons ather than death and the Property is nat the Principal Residence af at least one other Barrower;or �ii}Far a periad of langer than twel�e�12}�onsecuti�e months,a Barrow�r fails ta�ccupy the Property because of physical or mental illne�s a.nd the Pr�perty is nat the Principal R�sidence of at�east one other B�rrawer;ar �iii}An abligatian of the B�rr�wer under this Securit�Ir�strument is n�t performed. A deferral of due and payahie status is nat permYtted when a Lender requires immediate payment in full under this Paragraph 1��C}. �d}Notice and�ertification to Lender.Borr��er shall cornplete and pro�ide to#he Lender�n an annual basis a certification,in a farm prescril�ed by the L�nder,stating whether the Property remains the Borrower's Principal R�sidence and, if appli�able,the Principal Residence of his or her Non-Borrowing Spause. �]Vhere a Borrower has identified a Nan-Borr�wing Spouse in Paragraph 9 and the identified I�on-Borrowing Spfluse qualifies as an Eligibl�I�vn-Borro�ving Sp�use,the B�rra�ver shall also complete and pro�ide to the Lender on an annual basis an Ejig�ble N�n-Borrowing Spouse certificati�n, in a form pr�scribed by the Lender,cer�ifying that all requirements for the application of a L]eferrai P�rivd continue to apply and��ntinu�to h�m�t. During a Deferra�Periad,�he annual Principal Residenc��ertification must con�inue ta be campleted and pro�ided ta the Lender�y the E�i�ibie l�on-Borrowir��Spouse. The Borr�wer sha1� �Page 5 of 14 HECM F irst Deed Df Trust-��5