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<br /> 4. Fire.Flood se�d Other Hsz�rd Io�unaa. Barrowec�full ineurn all improvemantr an the PropercY�whethec
<br /> r.oM in eui�tence oti�rubequently erocced,aptr�et�nY has�t'd+�c�lti�r,and a►ntin�encir,Includin�t tin,for which
<br /> Londer roq�Ira inenu�na►.Thi�ineufanoe�hall be maintained in the�mounts ind for the pe�iods that Lender requicae.
<br /> HorroMec th�U alro In�uro�11 improve�x►ents on the PcopxtY�Mhethee'now in eratence ar eub�equently eroated�apinrt
<br /> laes�y tloods ta the ertent reytdced by the 3ecretary. All imu�noe siuli be crrried with oom�er appcoved by Lender.
<br /> The inaunnce poltcias and any c+erseMela s1Wl be hdd by Lender and�hall include las qYsble c�aures in iavor ot,�ttd in
<br /> a torm aco�ptaWe w.Lender.
<br /> In the event oi lam.Borrowor sh�ll �ive Lender immediate natice by mail. Lender msy m�ke proof of losi i!not -- -
<br /> m�do promptly by Hc�rro�rec.E�eh ineurmce company ooncxrned is hereby authorized�nd dtrxtod�o make pyment
<br /> ior such loes diroctly to I.ander,ineta�d ot to Borrowrer and to Lender joIntly.All or any prt of the ineurance proceede
<br /> m4y be applted by Lendcc,st Ita option,dthor(a)tn the teduction ot the indebtednaes under the Note and this Secu►ity —
<br /> — Instrument,firat to any dalinquent amounta applied i n the ordec in p�ra�raph 3,and then to prep�Yment ot princ�pal,or
<br /> -- - (b) to tho restoration or rep�ir ot the dama�ed PropertY. AnY sppltc�don ot the proceede to the PIt�P�� ah�ll not
<br /> -- ��--�T� � � �- �— exund or postpone tha due date oi the mo�nthly p�ymcnts whlch aro refencd to in pce�teph 2�or chan�e the amount of
<br /> such p�ymenta.My excees insurance pt+oceeds over m amount requtred to pay all out$tandin�indebtedt►en undor the
<br /> Note snd this Secority Inatrument ehall be paid w the enttty lep,�lly�ntitlod thereto.
<br /> In the event of foreclaeuro of thia Securi�y Instrument or other transfa ot tltle to the Prnperty that extin�uishes the
<br /> - - incbbtedneAS,all ri�t►t,titla and interaet ot BorroMer in and to insunnce poliales I n tarce shdl p�ss w the purobseec.
<br /> S.Occupancy.Presarvitlon� Msintananco and Proicction at the Property; BorroRer'a Losa Appl3catton; ___
<br /> .. Lqaeholdr.Hocrower sh�ll occupy,establish,and use the Property as Borrower's principl rcsidence within eixty days
<br /> `' atur the exeautton oi this SecurIty Inatrument snd shall contiauo to occupy the Property �e Borrower's prtncip�l
<br /> restdence tor at least one year afuc the date of occupncy,unlesa the SecretRry determines this requirement wiil cause
<br /> undue lurdship ior Borrower,or unless exienuatin�circumstancts exist whtch sre beyond Borcower's control.Borcower
<br /> �� �" .,, ,, shell notiiy Lenders of any extenuating circumstances. Borrower stull not commit westo or destroy, dama�e or
<br /> ;`, subsuntially chan�e tho Propetty or�llow the Propetty to deteriorate,re�eonable wesr and tear oxcapteid.I.et►der may —
<br /> 'r inspoct the Property if the Property ie vaa�nt or abandoned or the loan is tn daisult.l.ender may take ressonable acdon
<br /> .r �� ., to protect and preserve such vacant or abandonad Property.Bortower shcll also be in detault it Borcower,during tha
<br /> :;�;:�:;.�•�t ,. lwn application procese,�ave materl�lly falee or insxurtte intormation or atatements to Lendet(or tailed to provide
<br /> . - ;c���' Lender with any maurisl informadon)in connection with tho losn evidenced by the Not��including,but not lim�tod ta,
<br /> repreeentations wnarning Borrower's occupancy of the Property as a princip�l residence.If thie Security Instrument is
<br /> � ;��t;�1:. on a le�sehold,}iorrower shatl compiy with the provisions of the lease.If BurrowGr a��uirea ibs tit;o to tha Yrogert;,th�
<br /> � `'":''',""' `'�''�°�� '� lasehold and fee titics shdl not be maQed unleas L�ndor a�reea to the mer��r in writin�.
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<br />- 1� ;;t�.,;' �:, 6. Ch�r�es to Borrower and Protection ot Leader's Ri�hts in the Property. $orrower shall pay all
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<br /> °- , n�,:,,�:� governmental or munictpal chargcss,fines and impoeitione that are not included in p�ragraph 2. Borrower shall pay
<br /> , � ,. .; these obliQations on tima directly to the entity which is owed the payment.1f failure to pay would adversely af[ect _
<br /> L.ender's interest in the Property.upon Lender's request Borrower ahall promptly turnish to[.ettder receipts evidencin�
<br /> . these paymente.
<br />��i�:_� , � If Bonower fails to make these payments or the payments rcequired by patagrapG 2,or fails to perform any other
<br /> covenants and agreements containad in this Security Instrument,or thero is a legal proceeding that may significantly
<br /> � atixt I,ender's ri�hts in the Property (such as a proceoding in bankruptcy, for condemnation or to enforce laws or
<br /> . �.-�;.� regulations).then Lender may do and pay whatever is necessary to protect the value of the Property and L.ender's riPhts
<br /> , ' �' ��_ � � in the Property,including payment of taxes,hazard insurance and other items mentioned in paragraph 2 -
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<br /> � � '":`� Any amounts disbursod by I.ender under this paragraph shell become an additional dabt of Borrower and be '!�•'•..
<br /> � , � � . socuted by this Security Instrument.These amount�s shsll bear interest trom the date ot disbursement,at the Note nu, • -
<br /> ' � and at the option of I.ender,shall be im mediately due and payable.
<br /> '��'" � 7. Condemnation.The procxds oi any award or claim for damages,direct or consequential,in connection with
<br /> '� ' any condemnation or other taking ot any part oi the Property,or for conveyance in place of condemnation,are horeby ,..
<br /> �-.-.. �����a assigned and shall be paid to Lender to the extent of the full amaunt ot the indebtedness that remains unpaid under the ` "'-
<br /> +-- . t��'� Nou and this Security Instrument.Landrr shall apply such pcoceeds to the reduction of the indebtedness under the Note =_
<br /> , r.-, +r. and this Security Instrumcnt,first to eny delinquent amounts appiie�in the order provideci in paragraph 3,and then to ;��
<br /> ? :�' ��. prepayment of principal.Any application of the prc�ceeds to the principal shall not extend or postpone the due date of ,
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