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2� 17�2�82 Paragraph. {�) Due aad Pa able with Secreta A ro�al. Lend�r may r�quire ixnmediate payment in full af a�l sums secured by this Security Instrumen�,upan approval�f the Secretary,if: �i) Th�Property ceases�o be the Principal Residence of a Borrow�r for reasons other than death and the Property is nat the Principal Resi�ence af at least ane ather Barrov�er;or �ii} For a period of langer than twelve (1 Z� conse�u�ive manths, a Barrawer fails to occu�y the Prvp�rty because❑f physical ar mental illn�ss and�he Fro�periy is nat th� Principa�Residence af at least on�o�her B orrower;or �iii}An obligation of the Borrower under this SeGurity Instrument is not performed A deferra� af due and payable is nat permitted when a Lender requ�res in�mediate payxn�n� in fu�� under Faragraph 10(C}. �D) Notice to and�ertif�catian to�ender, Borrawer shalt comple�e an�pra�ide ta the L�nder on an annual ba�is a c�rt�ficatiar�, in a form prescribed by the L�nd�r,s�ating vv�ether the propexty rerna�ns the Bvrr�wer'S princip�l residence and, �f applicab�e, the Prin��pal Residence of his o� her�on-Borrowing Sp�use. �here a Barrower has identifi�d � l�on.-Borr��ir�g Spouse in Paragraph 9 and the i�entif�ed Non-�3orr�wing �p�use qualifes as an E��gib��I�an-Bflrrav�ing Sp�use,the Borrower shal�al�a comp�ete and provid�ta tl�e Lender nn an annual basis an Eligible�Non Borrav�ing S�ouse certification,in a form pr�scribed by the Lender,certifying that all requirements for the a�plicati�n af a Deferra�Period continue tv apply anci cont�nue tn be met.I�uring a Deferra�Peri4d,the arx�ual Prin�ipal Residen�e�ertif cation must�ontinu�to be completed and provided to the Lende�by the E�igib�e Non-Lorrowing S�ause. The Borrower shali a�so notify Lender whenever any �f the events listed in Paragraph 1 QtB�ar�d��}acc�r. �E} �i�tice t� Barr�wer. Lendex s1�al� notify Borrower whenever the lo�n becomes due and payab�e under P�ragra�h 1 Q�B}and��}.Lender shall not have the right�ta�ommence fnr�clasure unti�Barrower has had thirty �3��days after�otice to either: �i} �orrect the mat�er which resulted in the S�curity�nstrumen�coming due and payab�e;or �ii� Pay the balanee in fu1l;or �iii� SeII th�Property for the�es�er of the baiance or ninety-five perc�nt�95°�0� of the appraised value and apply the ne#proceed�of the sale toward the ba�ance;ar ��v� Pravide i�he Lender wzth a deed in lieu of f4reclnsure. �F} Notice ta Secr�tary and_E�igible Non-Borrow%n�„�ause.Le�der shall notify the Secretary and any Nan- �,�..�.._..w.�.., . - - .��.^ B�rravving Spause id�nti�ec�in Paragrap�h 9 wh❑qualifies as an Eligible�Tan-Borrowing Spouse whenever any ewent listed in Paragraph 14�8}and(�}oecurs�u.r�ng a Deferral P�riad. tG� T_rusts. Conveyance of a S�rrvwer's�ni�erest in the Property ta a�rust which meets the requxrements af the Sec�etary, �r can�eyance af a trust's �ntereSts in th� Property ta a Borrower, shall n�t be �onsidere� a con�eyar�ce for pt�rpo��s �f this Paragraph 1�. A trust shal�not be cor�sidered an occupant ar be consider�d as ha�ing a pr�ncipal residen�e for purposes af this Paragraph 1�. 11. No Deficiency Judgments. Bnrrower s�a��have n�persona�liab�lity far paym��t af the debt secured by this �ne Re�er�e Mortg�ge,L�,C Loan�riginatox:Bru�e alsen Company-1�TML5#:2a52-Loan Number:3369956673 Loan Qriginator NMLS#:9�2398 �ebr�l�a-Z�d Secur ity}nstrument�Ac�justable) Page�of 11 C�Bay Docs,LLC n31�1/2415 q�3369956�73 1�7� �3� �5'I'�