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<br /> ' S. Huxurd or Nruperty Insurunct, f�urruwcr shull kcep Ihc impru�rmrnt+ no�v cxititing un c�rr:dlcr crrctrd un thc
<br /> Nr���krry inuacd a�aintit lo,ti by fir�,li:�fardti inrludcd within thc t�rni "exicndcd ruvcragc" and imp nthrr h;�rirdti. inrluding
<br /> (ln�xl,„r Ou�xlinE. far�vhirh Lrndcr r��uirt� in�uranrc. Thiti insuruncc tih:dl hr mainlainrd in�hc�nnuunl�and �ur!hr peri�Kl�
<br /> that I�ndcr rcyuirc,. Thc in+uranre rirricr p�uviding �he in+uranre shall hc chuycn hy Nurru�vcr�uhjrct tu l.cndrr'ti appru��ul
<br /> «•hich sh;�ll �1u1 ht` u1�rCautn;tbly �vithhcld. If Nurruw•rr G►ils to maint��in ruvcragc dc.rrihcd �ihu��r. l.cndcr inay. uF l.��tidcr's
<br /> o�tii,n,abtain covcrugc tu prutcrt LcnJcr's rights in thc Property in.««,�a��,«�����n raru�:ra�►h 7.
<br /> All insurancc policics and renewiilti shall hc arccptablc lo lAndcr and �hull inrluJc a suindurd m�rn�agc claiu+c. l.cndcr
<br /> shall havc the right to hold the poliries und renc�vals. If I.enJcr rcyuires, Borro�ecr.hall promptly givc to Lcnder all n.rcipts ot
<br /> paid premiums and rencwal noticcs. In thc cvcnt of toss,Borruwcr+hall givc prompt n��ticc to the intiurince cnrricr and L.ender.
<br /> Lcndcr may makc proof of loss if nat m,idc promptly by Borrowcr.
<br /> Unlcss Lendcr and Borrowcr othcnvisc agrcc in�vritiaig,insurancc pr�xccds shall t�c applicd to restoration or rcpair of thc
<br /> Propeny damaEcd, if thc rcstor�tion or repair is cr.onomically fcasiblc and Lcndcr's security is not Icsscned. (f the restoration or
<br /> repair is not economically feasible or Lender's security would be lesseneci,d►e insurance proceeds shull bce appl�al tn the sums
<br /> secured by this Security Instru►nent,whether or nnt then due, with any excess paid to Barrower. [t Borrower abandons the
<br /> Property. or dces not answer within 30 days a notice from Lendcr that the insurnncc ca�rricr hus affer�cd to settle n claim, then
<br /> L.cndcr may rnllcrt thc insurartce proccc�s. Lcnder may use ths praceeds to repair or rcstore the Propeiiy or to pay sums
<br /> secured by this Security Inst�un�nt. whether or not dtien du�.The 30-day period will begin when the notice is siven. •
<br /> Unless l.ender and Borrowcr othcnvisc agrec in writing, any application of procexds to principal shull not extend or
<br /> postpone thc due date of the monthly payments refcrred to in par.�graphs I and 2 or change thc amaunt of the paynxnts. If
<br /> under p.�uagraph 21 the Propeny is acquircA by L.cndcr,Bonowcr's right ta any insurance palicies and procceds res�lting ft��m
<br /> damage to the Property prior to the acqui sition shall pass to Lcndcr to the extcnt of thc sums ssxuced by this Security Instnmunt
<br /> immediately prior to the acquisition.
<br /> 6.Occupstncy, Pnservation,Maintennnce And Protectlon of the Property;Borrower's Loan Applicadon;I.easefioldv.
<br /> Borrower shall occupy,establish,and use the Propeny as Borrower's principal residence within sixty duys after the eaecution of
<br /> this Security Instrument and shall continue to occupy the Property as Borrowcr's principsl residence for at lcast one year aftr_r
<br /> the date of occupancy,unless Lender othenvise ugrers in vvriting, which consent shall not be unreasanably witt►Iteld. or unless
<br />_ ovton�n 2�oa �2Sr��+,cytanrwc nrqct w�2f,h a�a��nrl.� Rnranu:ywr'c rnniSnl. gnr(r�wP� c�gl! nnt �nclTn„ �nt,goow nr ijn�r t�i. .
<br /> Propcny, allow the Property ta deterior3tc, or commit waste on tite Property. Borrower shatl be in default if any forfeiturc
<br /> action or proc�eading, whether civil ar criminal,is begun that in I.en�er's good faith judgment cuuld result in forfeiture of the
<br /> ' Praperty or othcrwisc materiully impair ttie lien crcated by this Security instrument or Lender's security intcrest. Borrower mAy
<br /> � cure such a default and reinstate,as providal in paragrnph I S,by causing the action or proceeding to be dismissed with a ruling
<br /> that, in i.cndcr's good faith dctcrmination, precludcs fori'eiturc of the Bortower's zntcrest in thc Property or otl�cr material
<br /> impaimxnt of the lien create,d by this Security [nstrument ar Lender's security interrst. Borrawer shull also be in default if
<br /> Borrower,during the loan application pnoccss.gave matcrially false or inaccurate information or statcments to I.ender(ar failed
<br /> to provide I.erictcr widi any materiul informat�on)in connection with tlic loan evidenced by the Notc, including,but nat limital
<br /> to,representations concerning Boaower's occupancy of the Property as n principal residenee. If this Security Instcument is on a
<br /> � leaset►old. Borrower shall cnmply with ull the provision5 of thc Icasc. If Borrower acquires fee title to the Ar�perty, the
<br /> e' leaxhold a�xi the fee title shall not merge unlcss Lendcr agcCCS to the n�ergcr in writing.
<br /> � 7.P�nttection ot l.ender's Rig6t+in the Property.If Borrower fails to perfortn the covenants and agraments c�ntaitted in
<br /> ' this Stcurity Instcument, or there is a legal procceding that may significantly affixt I..en�er's ri�hts in the Property (such us u
<br /> procenlivg in bankruptcy, probatc, for condemnation or furfeiture or to enforce laws or regulations),.then L,ender may do attd
<br /> �y for whatever is �xcessary to pe+otect the value of the Property and L.ender's rights in the Property, [,ender's actions may
<br /> includc paying any sums serured by a lien which has priority over this Security Instrument, appearing in wurt, paying
<br /> r�sonAble attomeys' faes and cntering on the Prop�rty to ix►akc rcpairs.Although [.erxier may tuke action under this parag�xph
<br /> , 7,L,ender does not bave to do so.
<br /> Any amo►mts disbursod by Lcnder under this paragrdph 7 s3za11 bcxome additional debt of Borrower stcurcd by this
<br /> Securiry Instrument. Unless Borrower and Lender ag�ce r.o othcr terms of payment, these nmounts shall bcar interest from the
<br /> date of disbursement at the Notc ratc and shall be pag:i�le,with interest, upon nc►tice from L.endcr to Borrower requesting
<br /> payment.
<br /> 8.Mortgage Ir�surance. If Lendcr rey�zred mortgage insurance as u condition of making the loan securod by this Sccvrity
<br /> Instniment, l3arrower shall pay the prcmiums requi�d to n�aintain thc mortgage insuranc�c in eflFcct. lf, for any rrason, the
<br /> mortgage insuranoe coverage requincd by Lender lapses or ceases to be in effect.Borrower shall pay the premiums required to
<br /> obtain coverage substantially equivalent to tht mortgage ansurance previously in cffect, at a rnst substantinlly equivalcnt to thc
<br /> cost to Borrowcr of thc mortgagc insurFUicc previously in cffcct, from an alternatc mortgage insuror approved by I.ender. [f
<br /> � substw+.tially eyuivalent mortgagc insurancc covcragc is not avuilable. 8orr+ow•er shall pay to L,endcr cach month a sum cqual to
<br /> one-twelfth of the ycarly mongagc insurunce premium bcing paid by Borrower when the insuranc�e covcr�ge lepsc�d or ceased to
<br /> be in effect.Lender will accept,use ai�d rclain these paymerus as a loss reserve in licu of mortgage in�urance. Loss reserve
<br /> Form 3028 9180
<br /> � Pp�3 0�8
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