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<br /> 4. Fire,Flood+utd aher
<br /> Hazurd Insw�ance.Aarra�uer shuil insurc ull irnprovements on�th��perty.�whethe�r n�ow�1°
<br /> exi stence oP subsequently erectal.ngninst any hnz�srds.cusualties.und cant{ngencies,including fire. for which Lender requii�
<br /> ins�ton�oc.'1'hiR insurnnce ahull be muinwinul in the mm�untti und for the pertads thut L.endcr rcquires. Borrower ahall nlso c
<br /> incuro all improvcmentR an the Pmperty.whether now in existencc or subsequendy crected. Against loss by flnods to the extent
<br /> r�ncwais shnll be held by L.ender and Rhall include oss pnynble clnuscs in favo afa nd in a farm ucc pt b e to.Lender.�nd any
<br /> [n the evcnt af loss. Harrawer shall�ive Lender immedinte nottce by mail.Lender muy make proof af loss if not made
<br /> prompsly 6y Borrower. F.uc�l► insurxnce compeny concemed is hereby uuthorizc�snd directed to make paymeat For su'h�la�ss _
<br /> diroctly to Lender.instead of to Borrower and to I.ender jointly. All or any part of the insurance pr�s maY bs aPP Y
<br /> l.ender.at its opt{on,elther(u)to the reductlon of the indebtedn�+s under che Note and this Secudty Instnunent, first to any
<br /> deUnquent amounts applted in the otder ia patagreph 3,aad then to prepayrnent of priactps�l.or(b)to the restoration or repalr
<br /> of the dwna8ed ProPertY• Any appl{cation of the proceeds to the prfncipal sh�ll not extend or postpone the due date of the
<br /> manth[y payments which are referred ta in paragraph 2.or change the amount of such payments.Any excess lnsurance proceeds
<br /> nver am ainount required to pay alt outstanding indebtedness under the Note and this Secudty Instrument sball be paid w che —
<br /> etnary legally entitled thereto.
<br /> In the event of forectostue of this Secudty Inswment or other transfer of tttle ta the Property that exdnguishes the
<br /> indebtedness,all right,title and Interest of Borrower in aad to insurance policies in for¢e shall pass to the purchaser.
<br /> Preservatlon, MaWtenauce und �t�on of the PropertY; Borrower's I.oan Appficadou;
<br /> 5. (kcup�ncy, as Bomower's riaci residence withln eixty days after
<br /> i.ensehold�. Borrower shnll occupy� establish. aad use the PropertY�e� ���r's rinci al residence for at least
<br /> the execution of this Security lnstrnment and shali oondnue to occupy PenY p P
<br /> one,y�ar after the clate of occa�u►n�Y� unless ihe S�ta�Y detera�nes this requir�ment will�undue han�ship for Borrower. -
<br /> or unless extenunting citcunutat►ces exiat which are beyond Borrower's control• Borrower sliall nodfy Le�dets of any
<br /> extenuadng circumstances.Borrower sh�ll not commit weste or d�r� �oris� �� i�����vacant�t =
<br /> the ptnperty to detedorate. reasonable weat and���ble action t protect and preserve such vacant or abandaned
<br /> ai�andona! or the loan is in default. Lencter may
<br /> pmperty. �onower shall also be in default jf Bottower.duting the loan applicadon pmcess,geve matedally false or inaccurate
<br /> infon�edon or statements to Lender <or failod to provide Lender with eny �ater3al inforwation) in conr►ection wlth the toan
<br /> evidenad by the Note. inciudIng.Mut noi limtted to. repressntadons concerning Borrower's oocupancy of the Progerty as a
<br /> pdncipa! restdence. If this Secudty ���nt is on a leasehold. Bor'mwer shaU comply with the proviaions of the lease. If
<br /> Bomower acquires fee title to the PropertY•the�easehold and fee dtle ahall rtot be rnerged wiless I.ender e8�+ees w the merBer in
<br /> wridng. '
<br /> 6.Ch�rges W plor�ow�'�►d �°�on of Lender's Rights tn the Propeity.Borrower shall pay ali govemmental or
<br /> rnunicipai charges. fines end in►Positions that are not includ�d in paragraph 2. Borrower shall pay these obligations on time
<br /> ailrcctly to the entity which is owed the pay�n►ent.If f�ilure to pay would adversely effect L.eader's tnterest in the Propercy.upon
<br /> Lender's request 8orrower shell prompdy fumish to Lender receipts evidencingthese payments•
<br /> If Borrower fails to msilce�hese paymerts or the payments reqwred by pacegraph 2.or fails to perfonn any other oovenanns
<br /> and agMements oontained in thia Seeudty Instrument.or there is a legal proceeding thnt nnay significandy affect Leadei's rlghts
<br /> in the Ptaperty(such as u procee+dNB in bankcuPtcy,for condemnatlon or to enfon9e la�vs or regulations),then I.ender may do
<br /> and pay whatever is necessary w Protect tl�e vatue of the Property urtd Lender's righis in the Property�[ncluding payment of
<br /> taces�hazard;nsurAnce and other items mendnned in patngtuph 2.
<br /> pny a�nounts d[sbursed by Lender under thia paragraph ehall becomc an addjdonal debt of Bormv�er and be secured by
<br /> t�(s Security Inatcument.These amounts shall bear interest from the date of dis�ursement�su the Note rate.and e�t the option of
<br />—• Lender.st�all be immediately due and payabie.
<br /> 7. Condemnation.The proo�eds of eny award or cieim for damages,direct or consequenflal, in connect[on with aay
<br /> ' condemnadon or other tnking of any part af tt�e 1�roPertY�oT for conveyance in place of wndemnutton,ure hereby assigned�nd
<br />— shal!be p�id to[�ender to thE�*tent of tho full amount of the tndebtedness tha�remains wipatd w►der the Note and this Securtry
<br /> Inst=ument.I.ender shall apply such pmceada co the reduction of the endebtedness under the Note aRd this Searity Inswment.
<br /> — first to any delinquent amounts applfed in the order pmvIded in paragraph 3. and then to prepayment ot pdnc�pal. Any
<br /> licatian of the proc�eads w the p�incipal shall not extend or postpone the due dute of the monthly paymenta. which are
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