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<br /> ����1U'73�5
<br /> S. HotArd ar Property In.�tKe. Borrower shall kcep th� imprnveme�now cxisting or hercattcr erectcd on the
<br /> pmperty insurcd agsinst loss by fire, ha•r.�rds includcqi within the term "extendal cavernge" nnd any oeher hazurds, insluding
<br /> f1n�x1�or fln�xting, For which l.c�xter requires insuranco.This Insur.uicc shull be muintuined in the nmaunts und for the periods
<br /> Ihat l.ender requircs. 'fhe insurnnec currler providing the ins�r�nce shall be cho�en by Borrdwer subJect to Lendcr's approvul
<br /> which shull ncit be unreuu�nabiy withhelcl. If Borrawer fnlls to muintain covernge described ulx�ve, l.ender may. at Lencier's
<br /> nption,obtuin caveragc to protect l.e��der's righx9 in the Property in acrnrdancc with paragruph 7.
<br /> All insurunce poltcies und rcnewuls shall be acceptuble ta I.ender nnd Fhnll include a sttu►dard martgage cluusa Lender
<br /> shull huvc thc right ta hold the policics und rcnewals.If L.eoder requtres,Borrower shall promptly give to[.ender all receipts of
<br /> pnid premi�mic and renewal notices.In the event uf lass.Rorrower shall giveprompt notice to the insurunce cuniar and Lender.
<br /> I.ender mAy makc proof of lass if not made promptly by Barrower.
<br /> Unlesy Lender and Barrower otherwise ugree in writing,insurnnce proc�eecis shall be applied to restorution or repuir of the
<br /> Property dnmugai,if che restoration or repair is economicully feasible and Lender's security is nat lessened.If the restocation ar
<br /> repair is nat ceonamically fc�;ibl.e or LendePs sccudry would be lessened. the insurance pracceds shall be applied to the sums
<br /> ya.7»Ld by this Secu�ity 1nsEnxm►.�t, whether or not cheix due, with any eacess paid to Borrower. If Borrower aba�xions ttie
<br /> Fn��s�.�rtp, or daes not �nswer aicIiin 30 d�ys�s notice fironn Lender tt�t the insurance carrier has offered to settle a claim,then
<br /> I�:rxi�:r u�uy a:i:c�I�1«crsar�,�a: yrocccds. E.ecr�ter cr�y e�s. the prace^'-.�s to repair or re�tore the Prnperty or to pay sums
<br /> ,ceur�by this Sccurity Insrrurnent,whetber or not then dete.The 30�duy period will begin when the noticc is given.
<br /> Unless Lender and &�rr.ou�'er otherwise ogree in w�iting, uny appl�cation of proceeds to principal shull not extend or
<br /> postpone thc due date af ttte monthty paymenu referced to in paragmphs i and 2 oR change the amount of the payments. If
<br /> under paragraph 2l the Property is ucquired by Lender.Iionower's right to any insuranee policies and procecds resulting from
<br /> dam�ge to the Property prior to the acquisidon shall pass to Lender to the extent of the sums�eturo�by thIs Security Instrument
<br /> immedlately prior to thc scqutsition.
<br /> 6.Ot�uprncy,PnservAtlon�M�Intenance�d FYr,tectian of the Property;Borrower's LoAn Appliattton;I.easeholds•
<br /> Barrower shall occupy,establish.and use the Prapeny as I3a�rower's principal residence wlthln sixty days nfter the execution af
<br /> this Security Instrument an3 sh;ill continue to occupy tt�e Property as Borruwer's principal resldence for ut least one year atter
<br /> the date of occupancy.unlc�ss Lender othenvise agrees in writing,which consent shall not ba unm,usonably withheld.or unlass
<br /> �w2ciiUdii:ig Cii:.i2�1iSi.:iiC� �Xi�i :I�1�C�! :3SC �`C�QIH� �^1TCwnf'c �n�tml. AnrrsiweP chAll ROt 4CSVOV. damaRe or impalr the
<br /> Property, allow the Property to deterioratc. or cammit waste on thc Proporty.Barrnwcr shall bc in default if��ey forfetture
<br /> action or proccedtng. whether civil or crimi�ul,is begun that in L.ender's good fnith judgment could result in fal�feiture of the
<br /> I'roperty or otherwlse materially impair the lien created by this Security Instmment or Lender's security interest. Barnower may
<br /> cure such a default and reinstate,as provided in paragraph 18,by causi�g tne action or proc�eeding to be dism{ssed with a ntling
<br /> tl�at, in I.ender's good Ruth determination, pTecludes forfeiture of the Boirower's interest in the Property or other material
<br /> impairment of tho lien created by this Security Instrument or I.cnder's scxurity interest. Borrowor shall x(so be in default if
<br /> Borrower.during tha loan appllcation process.guve materially false ar inaccxrs�te infom►adun or statements to Lender(or failed
<br /> to provide Lender with any materiul informatton) in connection with the loan evidenced by the Note.including.but not limited
<br /> to,representatjons voncerning Borrower's occupancy of the Property as a principal residence.If this Security Instrumcnt is on a
<br /> leasehold. Borrower shall comply with all the provisions of the Icase. If Borcower ac�quircs fee tttte to the Property, the
<br /> leasehold and the fee title shall not merge unless Lender ngrocs to the mergcr in writing.
<br /> 7.ProteMion of Leader's Righta in the Pc+operty.If Borrower fails toperform the oovenunts and agreements contctfnod in
<br /> this Security Instrument� or there is a legal procceding that may significantly affect I.ender's rights in the Property (such tis a
<br /> . proceeding in bankcuptcy,probate,for condemnation or forfeiture or ta enforce laws or regulattons),then Lender may do und
<br /> pay for whatever is necessary to prote.ct the vnlue of the Properry and Lender's rights in the Propetty. Lender's actions may
<br /> include paying any sums scxured by a lien which has priodty over this Security Insuument, appearing in coun. paying
<br /> r�s�nabk attomeys' fees and entering on the Property to make repairs. AUhaugh L.ender may take action under this paragrapl�
<br /> 7,Lender does not have to do so.
<br /> Any amounts disbursed by I.ender under this par�graph 7 ahull become ndditional debt of Borrower secured by this
<br />� Security Instrument. Unlas Bonower and Lender agree to other terms of payment.these amounts shall bear imerest from the
<br /> " date of disbure,ement at the Note rate and shall be payable. with interest,upon noticc from Ixnder to Borrower mquesting
<br /> . payment.
<br /> 8.11iortgage Iosurance.If Lender required mortgage insurance as u wndition of making the Ioan secured by this Security
<br /> Inst�ument, Borrc+we�shall pay the premiums required to maintair. the nwKgage insurance in effect. If. for su�y n;ason. the
<br /> mortgage insuranco coverage required by l.ender lapses or ceases to be in effect,Borrower shull pay the premiums required to
<br /> obtain cuverage substantiatly equivalent to the mortgage insurance prevtously in effect. at a cost substantially equivalent to the
<br /> mst to Borrower of the martga�e insurance previously in effect, from an alternate mortgage insurer appruved by Lender. If
<br /> substantially eyuivalent mortgnge 9nsuriuice cove��age is not avuilable, Borrower sliull pay to Lender each month n sum equal to
<br /> one-twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage Inpsod ar ceased to
<br /> ' be in effect.Lender will accept,use and retain thcse payments as a loss reserve in Iteu of mortgage insurance. Loss reserve
<br /> Form 3028 8/fl0
<br /> 1 Ppe 3 0l B
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