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Huu�rd or Prn{xrt}• Insnrnncc. li�,rn,wrr tihall kccp thc imprcivcmcnts now cxi�tinp un c�rcaftrr crcctcd un thc <br />.`��i�• Nruperiy in�urcd again�t I�i�.ti hy lirr, hurard� inrlu�c�l within thc lerm "cxlenJcd arvcragc" .md uny uthcr haiard,, inrludin� <br /> ° IliH�d.ur Sla�,din�. lur ��•hi�h Lcndrr rryuirc, intiur:uicc.Thiti in�urancc+hall br maintaincd in thc amuunts anJ for thc periods <br /> . ►hat l.cndcr rcyuirr,. "1'lic in+ur.+nic ccuricr pn,�idin�. thc in,uranrc�hidl hc rh��cen hy Burru�scr �uhl«l l�� l.cnd�r',approval � <br />,M�,��• ,� whirh sh:dl nut hc unrca�nnahly �+�ithhcld. If' Burrawer L•iilti t�� maintuin rovciage dcscrihrd ahuve. LcnJer nu�y. at L.ender's <br />'� optiun.��htuin covcragc tn pr�nect l.rndcr'+righls in thc Pruperty in arrorduncc wi[h�aragraph 7. <br /> All insurancc pi�licieti and r�newul. tihull he accepuible t�� Lendet and shull include.� standard mortgugr rlause. L.endcr <br /> �hall have the right to huld thc pulirics and rencwals. If l.cndcr rcquires,Barr���ver shall prompQy give to l�ndcr all receipts uf' <br /> - :%� paid premiums and renen•al natices, In thc event uf Iciss,Borrnwer shull give prompt notice to the insurancc curricr and L.ender. <br /> � Lender may make prouf uf lusti if not made prumptly hy Borro�ver. „ <br /> �.' ,`.= Unless[.cndcr and Bormwcr otheiwise ugrcc in writing,insurance procecds shull be xpplicd to restoration or rcpair of'the <br />����`'?�a� Propeny dumageci,if the restor.ition or repair is economically feasihle and L.ender's securiry is not lessened. If the restoration or <br /> . repair is not ecanamiwlly feasible or l.�:nder's+ecurity would be Iessened, the insurance proceeds Shall be applied to the sums <br />-_;.�yw��.� secured by this Security Instrument. whether or not then due. with any excess paid to Bonower. If E3orrower ubandonF the <br />-+,+�;t:�' Property, or dc�es not answcr within 30 days a notice from Leredor that the insurance carrier has offered to setd� a cluim. then <br /> �J:= L.ender may collect the insurn�►ce prc�ceeds. Lender may u�e the proceeds to repair or restore the Property or [o pay sums <br />�-;�� securcd by this Security Instrument, whether or not then due.The 30-�iuy period will bcgin when the notice is given. _ .. <br /> �- Unless Lender and BaROwer otherwise agree in writin�;, any application of proceeds to principul shall nat extend or <br />-:�.�;`a,�� <br /> postpone the due datc of thc monthly payments tefcrred to in paragraphs 1 an� 2 or chanse the amount of the payments. I <br /> "`-�!` under parngraph 21 the Property is acquired by I..ender,Borrower's right to any insurnnce policies and proceeds resulting fram <br />�`�;.,�� damage to the Property prior to the ucquisition chall pass to Lender to the extent of the sume secured by this Security Instrument <br /> -,II� immediately prior to thc acquisition. <br /> 6.Occupsincy,PreservAtion,Maintenance and Protectlon otthe Property;Borrower's i.oan Application; l.easeholds. <br />--„��:.,�� Borcower shall occupy.establish.and use the Property as Bortower's principal residence within sixty days after the execution of <br /> =--- this Security Instrument and shall continue ta occupy the Property as Borrower's principal residence for at Icnst one year after <br />� --- the date of occupancy.unles.s L.ender otherwise agrees in writing,which consent shall not be unrea.gonnbly withheld,or unless <br /> .�.--- extenuating circumstances exist which are beyand Borrower's wntml. Borcower shall not destmy, dumage or impair the <br /> -_ Propeny, allow the Property ta deteriorate, or corruuii wu,tc an thc r��r,y. aano:ti�� shal! ti"-' i� default if any forfeiture <br /> action or proceeding, whether civil ar criminal, is begun that in Lender's gorxi faith judgment could result in forfeiture of the <br /> property or otherwise mateeialty impair the lien created by this Security Insteument or[.ender's security interest. Borrower may <br /> cure such u default und reinstate,a.�provided in paragraph l8, by causing the action or proceeding to be dismissed with a culing <br /> that, in Lender's good fnith determination, precludes faMeiuire of the Bonawer's interest in thc Property or other ►naterial <br /> — impairn�►ent cf the lien created by this Secur'sty ►_nstn�ment nr L.ender's security interest. Burrower shatl also be in default if <br /> Borcower,during the Ioan appliration process,gave materially false or inaccurate information or statements to l,ender(or failed <br /> to pravide I.ender with uny materiul information)in connection with the laan evidence�by the Nate,including,but not limite� <br /> ta,representations conceming 8urrower's occupancy of the Propeny as a principal residence.If this Security Instrument is on n <br /> leasehold, Borrower shall mmply with all the provisions of the leasc. lf Borrowcr acquires fce titic to the Property, t6e <br /> leasehold und the fee title shall not merge unless Lender agrces to the merger in writing. <br /> 7.Proteclion of Lender's R[ghts In the Property.If Borrower fails to perform the covenants and agreements contained in <br /> this Security lnswment, or there is a legal proceeding that may signiftcantly affect Lender's rights in the Property (such as a <br /> proceeding in bankruptcy. probate, for condemnation ar farfeiuire or to enforce laws or regulations), then Lender may do and <br /> pay far whatever is necessary to protect che value of the Property und Lender's rights in the Property. Lender's actions may <br /> include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying <br /> _ reasonable nttorncys' fees and entering on the Propercy to make repairs. Although L.ender may take action under this paiagraph <br /> 7,Lender dces not f�ave to do so. <br /> Any amounts disbursed by Lender under this paragraph 7 sha!I become additional debt of Borrower secured by this <br /> Security Instrument. Unless Bonower and Lendcr agrce to other tcrms of payment,these amounts shall bear interest from the <br /> date of disbursement at the Note rate and shall be payablc, with interest, upon noticc from Lender ta Bonower requesting <br /> payment. <br /> - <br />