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<br /> 4,��i��e,���and�liic.�1p�arc�Bns�piAUCi. �3ortawcr c��aJl irnsure o11 �mprovc;nents an thc Is'rop:,ny, e�iicUie� now in �
<br /> existenco or subsequentiy erectcd� ngatnst nr�y hazcuds,cAS�ulttss,nnd contingencies,inclading fire, for whish Ler�der requixes y�._•
<br /> lnsuranco.This infiarance sha11 be maintslned!n tho smaunts and for thy pEriods that Lender rcquires. Borrower ahull nlso insuro
<br /> ail improvements on tlie Property,whether now in existence or subsequenily erectc�.ageinst loss by Qoods to tho extent rcquircd —
<br /> My thc Socretary. AU Insucanca shaq bo carrlcd with companica approve4 by Lendu.'I�o insurance policies and any n�newals ___
<br /> shsill bo held t�y Lender and shnll i�clude toss paynble clauses in fuv�r of.and in n form ncccpmbia to,Lc;n�cr. L-_
<br /> Yn tho avent of loss,�oirower sntilt give I.enuer imt�i'r,tlt�i.ci nui�ce by na:l.i..����� nay ma�c pre�i oi io�s ii nac m�e �-
<br /> promptly by Aorcowu. �ach insurence cumgany conccmed is hercby authorizctl and dlrectcd w ma{cc paymcnt for e��ch loss
<br /> direcdy to l.ender. iastuid of to Sotrowes and to Lendea Jointl�r. All ar any part of the insurance procceds may ba appllcd by
<br /> Lender,at{ts opt3on,cither (n)W ¢he reducdon of the indebtcdness undcr thc Note and thl� Sccurtty Instrument,ftrst to any
<br /> delinquent amounts applied in the order in paragraph 3,and thcn to prcpayment of priu►cipt�l,or(ly)to the reswradon or repair of
<br /> the damaged Property.Any appllcadon of the procads w ihe principal shall not eatend or postpone tha due dntc of the monthly —
<br /> payrr,r,�ts which:.re refe.-red to itr g:sagrr.�h 2,er chsn�e thc em�unt of su�h payments.Any exccas�nsnrance prnceeds over rin �
<br /> amount cequiu:d to pay all outstanding indebtcdness under the Notc end this Securtry Instrumant shall be paid to thc enttty legally
<br /> entitled thereto. _
<br /> In thc eecnt of foreclosuro of this Security Insuument or other uansfcr of dde to th� Property that cxtinguishes the
<br /> lmdr,btediees9,all rioht,t�t?e end intr,rest af Borrower 1n and to insurance po8cies in force shall pass w tha purchaser. �
<br /> 5.Occup�ncy�Preservatbn,Maintenana and Protectbn oPthe Property;Borrower'e Y.oan Appljcatbn;Leaaeholds.
<br /> Bo�rrower shall occupy,cstablish,and uso the Property es Hon�wer's principal residence within sury days aftcr the caecutfon af
<br />. this Se�urity Instrument and shall wntinue to occu�y tt�.�Propaty a�Bonowu's princ{pal racidenco for at least one year efter thc
<br /> date of oecupaney, unless the Secc�etary determines this roquirement will causa undue hardship fqr Borrower, or unles.g
<br /> extcnuating circumstar:ces eaist which are beyond Borrawu's controf. Hocrowcr shall notify Lender of any extenunting
<br /> circw�ystances.Borrower shall nat commit waste or desrroy.damaga or substantjaally change the P:olxrty or allow tho Property to
<br /> deterlorat�,reasonahle weas m�d tear excepted.Lender may inspoct the Property if 1he Property is vacant or abandonrd or dse loa�
<br /> is in defaul�.I.ondu may take reasonable acdon w protect and presuve such vt�cent or abandanal Pc+operty.Borrowa shail also
<br /> be in dcfault if SQrrowu,during thc loan upplication process,gave materially falsa ur inaccurato informadon or staternenta to
<br /> t�nrtrl(or fail�l rn nrovide Lcader with env material information)in connecdon with the loan cvidenctd by the Noto,including,
<br /> but not Wnited to. representationa wnceming Borrower's occupancy of the Fi�nperty es a principal residence. If this Securlty
<br /> Instn�ment is on a leasetwld, Bonowu shall wmply with tha provisioas of the lease. If Borcowu acqui�s fix titk W �the
<br /> P�o�xrty,the leasehold and fee tWa shall not be mergcd unless Lender ap,rees to the rtserger in writing,
<br /> 6.Clurges to Borrcnrer w�r�II Protectjon ot Lcnder'e Ittghts tn the Property. Bo�rower shall pey all govemmeatal ot
<br /> Rsunicipal charges, fines end impositions that erc not included in pa��aph 2. Bomowu shall pay diese obllgetions ae timc
<br /> direcdy to the entity which is owed the paymenG If faUum to pay woWd ndversely affoct Laider's inunst in the Proputy�upon
<br /> Lendcc's request Borrower shatl pmmptly fumLh w I.endu receipts evidmcing�hese payments.
<br /> If IIorrower fails to malce these paymeats or the payments rcquired by parag�aph 2,or fails w pexform any otha covdnants
<br /> nnd egreements conteined ln this 5ocurity Inswment�or there is s k8�P��S that may sig�ifxAnuy affect Lenda's rlghts in
<br /> the Property(snch as a pmceaiing in benkruptcy�for condemnation or to enfocr,e lAwa ar reguLtions)��hcn Lenda muy do and
<br /> pay whutcvcr is necessary to prote�t the valuo of the Property and Lender's dghts In the Property,including payment of taxcs,
<br /> hazard ins�rance and otlwer items mendoned in paragraph 2.
<br /> Any junounts dlabursed by L.cnder under this paragraph shall bacome an addltional debt of Barower and t�a�ecured�by this
<br /> Serurity Instrumen�Thesa amounts shall bear inter�st from tho daGa of dlsbursenunt,at tho Note rate,and et thc opdon of Lcnda.
<br /> o.all�;,;mm^.,�iat:,ly du�:��p::;wble.
<br /> 7.Coademnation. The p�s of any awerd or ciaim for dar►wges, direct or conscqncnd�l,!n eonnx4ton with any
<br /> condemnadon or ather taking of any part of tho Property,or for couvcyance in pLxo of condemnation,ece hueby essignod and
<br /> shall be paid W L.endu to tho extcnt of the full emount of thc indebtcdness that remains unpaid under thc No�s anci this Security
<br /> Instrument.Lendar ahall apply such proceeda to th�reducaon of the indeUUedness under the Noto snd this Security Instniment,
<br /> Cust to any delinqucnt amounts appiicd in thc order provided in paragraph 3.and thein to pcep�yment of princ�al.My application
<br /> of the procetds to tha principal shaq not catend or postpone t�►e due date of the monthly payments,whlch ares aefemd to in
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