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<br /> S. HanM or Property iruurAnce. Hc�rrower shall keep che improvements now exiscing or hereafter erecced on che
<br /> Fnniei�y Insu;ai .r,ii�ut toss by firc, huasds includcd withia cht term "ezeended covuagr" and any other ha��rds, includ4Re _
<br /> floods or fluod.ing,for which l.ender requira insurancc. Tnis insurancc shalt be maintained in tl�e amo�mts and for the oedod�
<br /> ►hat Lender requires. The insucance carrier providing the insurance shall be chase�by Borcower subjat to Lender's approv�p
<br /> which shall not be unreas«nably withheld. If Barrower fails to maintain coverage dexcribed above, Lender may, at Lendtr's'
<br /> option,obtain covGrage to protect LeRder's rights in the Propeny in xcorduice with paragraph 7. �
<br /> All insura.hce policies and renew�ls shall be acceptable so C.ender and shafl include a standud mortgage clause. L.ender�
<br /> sh�ll have the right to hold the policies anci renewals. lf Lender requires, Borrower shall promptly give to Lender all recti�sts of� _
<br /> paid premiums and renewal notices,[n the event uf loss, Borrower shnli give prompt notice ca the insurance carrier and L.ender.
<br /> Lender may m�kc proaf af loss if not �ts�de promptly by Borrower.
<br /> Unless l.eiuier and Borrower othenvise agra in writing, insu�ance proceeds shall be applied to restoracion or rep�ir of the�
<br /> Property danugM,if the rcstoration or repair is economically feasible and Lender's securi[y is nat lessened. If the reatoration or
<br /> repur is noc ecanomically fe�sibie or Lender's sceurity would be lasened, che insurance pracecds shall be applied to the sums
<br /> secured by t6is Security Instrument, whether or nat then due, with any eacas paid to �rrower. If Borrower abu�dans the
<br /> Propeny,or does not answer within 3�`1 d�ys a notiae from Lender that the insurancc carrier 8as offered[o settl�a claim, the�n
<br /> I..ender may collect the insuraace procads. Lender may use the proceeds to repair or restore the Property or to pay sums
<br /> secured by this Sccuriry Ins[n!ment,whe►her or not[hen due.The 30-dav Aeriod will begin when[he notice is given. _
<br /> Unless I,ender and Borrower otherwise agree in writing, any applicati�n of ptoceeas to principat shaU nct exttnd or
<br /> postpone the due dacc�f the monthly payments roferred to in pa3ragraphs 1 and 2 or c�hange the amounc of the paymenu. [f
<br /> under puagnph 2l tha Pcoparty is acquircd by Lender, Bonrower's c��hc ro any insurance policies and proceeds resulting fYom
<br /> dart►�ge to the Propetty piiar.to tti�acquisition sh�ll pats to Lender to the extent of the sums securcd by ihis Security Instrument
<br /> immediatety prior ro che an;^�sltion.
<br /> 6. Occuponcy,Preservadon,Mxintenance And Protectlon o[the Property; Borrower's I.00n Application; Leaseholds.
<br /> Borcower sh�ll occupy,establish. and use the Property as Borrower's principal residence within sixry days aRtr the execution of
<br /> this Security Instiument and shul continue to occupy the Propeny as Borrower's principal residence for at least one year after
<br /> che due of acupLtcy,unless Lender otherwise agrecs in wdting, which consent shall not be unnasona!+IV withheld, ar unless
<br /> extenuating circums[ances exist which are beyond Borrower's control. Borrower shall not dostroy,dnmAge or impair uhe
<br /> Property, zllow the Property to deteriorate,or commit waste on the Property. Borrower shall be in default if any forfeitun
<br /> action or(�roce�.�ding. whether civil or crimiaal, is begun[aac in ixnder's good f.iilh judgmca[Coulc3 tesul�itt fo[feilUre of�he
<br /> Propercy or athcnvise materi�lly impsur thC lion created by this Sccuriry Instrument or Lender's security interest. Borrower may
<br /> cure such a default�nd reiiut�te, as provided In pazagraph�•a8, by cau�ing the actiun or proceeding to be dismissed with a ruliag
<br /> that, in Lender's good faith determinadon. precludcs forfeiture of the Borrower's intenst in the Property or other material
<br /> imF�irnr.ui s�f Lh!li�n�!!�ar.,1 i+y rhic$�urity instrument nr [.entler's sxuriry inSerest. Borrower sh�ll also be in default if
<br /> Borrower, during the loan applicatian proces�,gave matedally false or inaccurate information or statemrnts ta Lender(or failal
<br /> to provide I..aKler with any mueri�l inform�tion)in connection with the loui evidenced by th�Note. includ�ng,but not limited
<br /> to,ceprexntuions conaming Barrower's occupaney of the Property a�a principal residence. If tbis Security Instrument is on a
<br /> •.. t.�. �� .L_ t�:,...� ..t.1.� :...r:.�. :C 0������� wwn��iMe fM ��fl� f� 1{�r DMM�ffV ft1C
<br /> 1�75CQ01�� tSUCiUWCI st1Yi1 �41iiEii] waw oa� ua�. jn���oav�w v. . . �^'t"••'-
<br /> teasehold and the fx titic sh�ll not tn�rge unlas Lender agrees to the merger in writing.
<br /> 7.Protectioa ot Lender's Righta In the Property.If Borrower fuls to perfornt the covenants and�graments contai�aed in
<br /> this Security lnstmment, or there is a legal proceNing that may significantly affect Lender's dghts in the Propecty(suet�as a
<br /> proceeding in baakruptcy, probate,for condemnation or forfeiture or ro enforce laws or regulations). then I.ender may do and
<br /> pay for whuever;s naxss�ry to protecc the value af the Property and i,ender's rights in the Property.i.ender'a astions may
<br /> include paying any sums secured by z lien which has priori[y over this Security Insttumen[, appeuing in court, paying
<br /> re�wnabla attornrys' fas and encering on the Property to make i�epairs. Although Lender may take action under this par�graph
<br /> 7,Lenda das not have to do so.
<br /> Any amounts disbursed by Lender un�er this paragraph 7 shall become addicional deht of Borcower secured by this
<br /> Security Inscn�ment. Unless Bornower md Lender aFree to other terms of payment;these:unounts shall bear interest from the
<br /> date of disbursemrnt u tho Note nte u�d shell be pnyable, with tnterest, upon notice from Lender to Borrower requesting
<br /> paymeat.
<br /> 8.M�nrtg�ge Irounnce.If I.ender rnquired mortgage insurance as a condition of making the loan secured by chis Stcurity
<br /> Instcumrnt. Borrower shall pay the pnmiums nquired to maintain the mortgage insarance in effecc. Jf. for any reuon, the , .
<br /> �mortgage insurance coveraige requirad by Lender lapsea or ceases to be in effect, Borrowor shall pay the premiums requi�c�ed to ;,�',
<br /> obtain wvenge substmtially equivdent to the mortg�ge insurance previously [n�ef:ect, at a cost subacantially equivalex�t to the ���
<br /> cost to Borxower of the mortgage insunnce previously in effect, from an altemAte raoagage insurer approved by Lender. If h.
<br /> substantial�y equiv�lent mortgage insur�nce rnvehge ia not available,Borrov►er shall pay to '(.cnder each month a sum equai to , �.
<br /> one-twelfth of the yeazly mortgage insurance premium being paid by Borrowcr when the insurance covenge I�psed or aued to '�
<br /> be in effect.Lender will aCCept,use and retain these payments as a loss rtserv��n lieu of nwrtgage insurance. Lou reserve
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