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<br /> � S, 1{�s�rd or Praperty Iatiur�nce. Botrowor shall kocp the lmprovoments now�xist1 g�o'`r h��h���cted on the
<br /> Frupe,iy ii�iu�ed���ii��t lazs by flr, h�.:rQs ittclad�c! within ths te:m "e.-.ter.ded co�eragc" �nd asiy other hAyar�!s, insl��ding
<br /> floadi or flooding. for whlch Lender rcqulrc� In�uruue. Thl�iniur�nce ahall be maintalned in the amount�and far the�xrlcxl�
<br /> thRt l.ender requlrci. The iniur�nce c�rrler providln$ the in�urance ah�ll be choun by Horrawer subJect to Ixnder'a appr�vul
<br /> which �h�ll not be unrewmAbly wilhheld. If�arruwcr f�ile to mdnt�ln cuvcr�ge de.+crihed xlwve, l.cndcr may, ai l.cndcr'+
<br /> o�tion,obt�in coverARe tu protect L.ender'r rfRhu in ihn prc►perty In�<►rdance wlth p�r�grrq►h 7.
<br /> Ali Insuranca policle� Rnd rcn�ew�IR ih�ll be �ccepl�hlo to l.epder and�h�li Includr � stand�r�i nwng�ge cl�use, I.ender
<br /> �h�ll h�vt the rl�ht t�hald the pallcie�uxi rcnew�lr. If Ixnder requlra, Hormwcr�h�ll promptly�ivc t�� I.ender�II reccipi�af
<br />, p�ld premiume�nd rcnew�l notice�. In thc event uf los�,EMrrnwer nhall give prumpt nuUce(o the in�urence c�rrler and I..ender.
<br /> I.,ender may m�ke proof of lnsY if not m�de promptly by e�rrower.
<br /> Unleu Lender and 8orrower otherwi�e��ree In wrlting,in�urxnco prc�ccede eh�ll be�ppliai io re�tor�tlan or rep�ir of the
<br /> Fropeny d�m�ged, if the rest�r�tion or rcp�ir i9 ewnomic�lly fea+iblo end Lender'a 6ecurity IR nat lessencd.If the restar�tion or
<br /> rcp�lr is nat economic�lly fe�uible or Lcnder's aecu�ity would bo le:sened, the Insurancc proceod�shell be appUed to the eums
<br /> securcd by thie Security Inatrument. whether or not then due, with any eaces� paid to 1lorrawer. if�sorrower abandons thc
<br /> Property,or does not anawer within 30 days a notice from Lender that the InRUrance cxrrier has offered to settle a clalm, then
<br /> I.ander may collect the insurauce proceeds. Lender may use the proceede to rcpair or rcstore ihe Propeny or ta pay sums
<br /> scsured by this Sccurity[astrument, whether or no[then dtx.The 30-day period wlll begin when the notice ie given.
<br /> Unles� Lender and Bonower otherwise agra in wddng, any applicatlon of procads to principal shall not extend or
<br /> postpone the due datc af the monthly paymcnte referred to in pArAgnphs I and 2 or chwngc the amount of thc paymenta. lf
<br /> under pu�graph 21 the Propecry is acquiced by Lender, Borrower'e right to any insunc�ce policies and procxds resulting from
<br /> dun�ge to the Properry prior to the acquiaidon shall pass to Lender to the extent of the sums secuttd by thie Secutity Instrument
<br /> immediatcly pdor ro the acqutsition. _
<br /> 6.Ocaup�aey,Preservatbn,Mdatenauce s�nd Protectba ot the Propeety;Borrower's Lan Appllc�tlon; Laaehotds.
<br /> Borrower shall occupy,establish,and uee the Propeny as Borrower's prindp�l residence within sixry dxys after the execution of
<br /> this Securiry insttumant�nd shAll continue ta accupy the Properry as Borrower's principal resldence for at least one year after —
<br /> tbe date of occupancy,uniess I�rnder otherwire agrees in writing,which consent shall not be unreAaon�bly withheld,or ualeu
<br /> eneznw►dng circumstu�ces �xist which are beyond Borrowar's control. Borrower shall nat datroy, damage or impAir the -
<br /> Property, �Ilow the Propeccy to detedonte, or oommit waete on the Property. Borcower shali be in default if any forfeitun
<br /> action or proctcding, whether civil or criminal, is begun that in Lender's goocl faith judgment could result in forfein�re of the _
<br /> prpperry or otherwlse materixlly impair the lien creAted by this Security Inauumn►t or Lender's security int�rest.Botrower may
<br /> • cure such t defwlt aad reiqstatn.as providal in par�graph 18,by cauqing the aceion or proaoding to be diamissed with a ruling
<br /> that, in Lender'a good f�ltta detemumtion, prectudes forfeiture of the Borrower's interest in the Propercy or other material
<br /> �m�►rirn�ern ��f the 13en creatsd by this Securlty Inatrument or Lender's securlry intertst. Borrower shall also be in ckfault if
<br /> Borrower,during°thc loan applicuion procesa,gave m�cerially falsc or inaccur:.te ini�rn�ation ar statcmenu to l..a�der(or f��iea
<br /> to provide Lrondec with aqy aatedal infocmuioa)in cont�ectiou with the doan evidenaed by the Nota,including.but not lirqited
<br /> to,repratatations concxrning Borrowet's occupancy of tlae Froporty�u a pdncipal resld�nce. If this Securiry Lnsmamont is on a
<br /> i�a�+t� Rnrmwer ah�11 cnm»1v wich a11 the orovisions of the lr.ase. If Sorrower acquires fee ti11e to ths P�uperty, tde
<br /> leasehold and tho fa tido shall not merge unless I.ender agrees to the merger in writwg.
<br /> 7.protectton Af I.ender's Rights la the Property.if Borrower fAils to perform the covcnanq and agtatnents conuincd in
<br /> this Secudty ln�trument,or there ia a leg�!proceeding tha�m�y significantly dfx[I.eixkc's dghts in the PcopertY(such u a
<br /> proceedinj in builcruptcy,probate, for condemnation or forfciture or ta enfora lawa or regululons),then Lender maY do and
<br /> pay for whuever is naxssuy to protect the v�lue of the Property and I�ender'a rights in the Property. Lender's actlons rnxy
<br /> include p�yina my sums eecurcd by a Uen which has pdorlry over thie Security Instn►ment, appeuing in court, p�ying
<br /> rea�onable attomey�' fea and eneering on the Property ro m�ke repairs. Although Lender may uke action wxier thia pu�gnph
<br /> 7,I.ender doa not have to do so.
<br /> My amounts disburscd by L,ender under thls pangr�ph 7 shall beoome addition�l debt of Borrower socured by lhia
<br /> Securiry Inatn�a�t. Ualas Borrower u�d Lender a�roe io other terms of paymeat, thcse unouau ah�ll beu intcrest from the
<br /> d�+x of disbu�ement u tho Note rate and sh�ll be pxyxble, wlth interest, upon natloe from Lender to Horrower rcqucsting
<br /> payment.
<br /> S.Mo�t�e I�ur�oee.If T.a�der re9uired mortg�e insuranx as a condidon of making the lwa secured by tbis Sa�tity
<br /> Irtsnrumeat. Borrowcr s1W11 pay the premium�requlrod to tnau►tain tt►c mortgoge iasuru�ce in effect. If. for u�y reaaon,the �
<br /> mortg�ge insuru�ce a>va�e requtred by Lender I�ps¢s ox aases to be�n effax,Borrow+er shall pay the qrnuum�roquircd{o.
<br /> obrtain coverage subsaati�r oquivalent to thc mortg�c�asurmce previously la affeot, at�cost sutnantially r,quiv�lent to thtl ,
<br /> cost to Borra�rer of the mortg�ge inauranx previonsiY ia effect. from an aitcmue mortgage iasurer a�provcd by Lender. ff
<br /> suMt�nwlly equiv�lent mortg�gc lnsurma coverage is not�vailable,eorrower shall pay to Lender each month a sum oqual to
<br /> one-twdM of tLe yeuly monsage ivauranoe premium b�ing paid by Borrower when the inwrana cnvenge l�sed or cx�ued Yo
<br /> be in effett. i�der will aoo�K.use and main these paymonte as a loss reserve ia li�u of mortgtge insur�noc. Loss nserve
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