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<br />�� 98° �c��4��
<br /> 3� S. Hazard or Property [nsnrnnce. Borrowel shail keep the improvements rcow existing or hereafteT erected on the
<br /> ��� Property insumd Against loss by fim, hazuMs inctudod within thc term "extended coverage"und uny ather hnzurds, includin�
<br />��� floods or Qoodins,!or which[.ender reqt�ires insuronee.This insurattce shall be maintuined in the amounts und for the perinds
<br /> � th�t Lender n�uires. 'i'he insumnce cnrrier prnviding the insumnce shall 6e chosen by 8orrower subjcxt ro l.ender's�ppmvul
<br /> �. wh[ch shall not be unreasonnbly withheld. If Borrower falls to maintain coverage described ubove, Lender muy. ut [.cmiePs
<br /> ��� optIan,obtnin covet�ge to protect Lender's ribhts i n Ute Prpperty in acaordance wlth pamgcaph 7.
<br /> =� Aq insumnce policies and mnewuls shull be ccceptnbte to I.ender iu►d shall include a�tundnrd mortgage cluuse. Le�tder
<br /> _.� shatl have the dg4�t ta hotd the polfcies and rencw�ls.Hf Lendcr rcquires.Bortower shall pmmptiy give to I.ender nl!rea�eiplA nf �_
<br /> patd premiums and renewul notices.In the event of lass.Sarrower shall give prompt notice to the insurance curtter uttd Lender.
<br /> °i:ca l,snder may malce praof of loss if not mstde promptty b3r Borrower.
<br /> Unles.s I.ender and Horrower otherwise nsree in wrlting,insurnnce pmceeds shatl be applFed to restoratIun or repair of the
<br /> i_„ Property dnmagad.if the restoration or repair ia eranornically feasible and Lender's securiry is not lessened.If the resrorntton ar
<br />,�;,�� repair is not emnomically feasible or I.ender's r�ccudty would be lessened.the insurance proceeds shnll be upplied ro the sums
<br />-- -- secut�ed by chls 3ecurity Instrument. �vhether or not then due. wlth any oxcess paid to Bormwet. If B�rrower ubandons the
<br /> Property.or dces not answer within 30 duys a r�ottce fmm L.endar ihat the Ins�rtce carrier has offered to settle a claim,then
<br /> — Ixnder may collect the Insuranes proceeds. Lender may use the praceeds to repair or restore the Property or to pay sums
<br />—_ secured by thie Securlty Insuument.whether or npt ihern due.The 3�-�lay pedod ur111 be�in when the nodce is glven.
<br /> U�►less 1.ender and Borrower otherwise agree in wridng. any a��licauon of preceeds to principal shall not e�tertd o�
<br /> posspone the due date of the manthly payments reterred tu in graR-�ea.�rtrs 1 and 2 or chango uC�¢amount of the payrur.ents.IlG
<br />- = tu�dcr pa�vaga�►ph 21 the Property es acquired by l.ender.Borrower's rigltt ta acty insuraetce policies and pmce�is resu�6nc►g ftmm
<br /> dace�age to the Property priar tm e[2e�rq,uisition shatl pasy to Lem�¢r flw tLte exteu�of ni�e sums secuecd by this S2curet�teasuuinent -
<br />_-- immediately pdor to the acquis�¢ioa.
<br />� 6.Occupancy,PreservatBon,Nd�fim4¢naace and Peotection a4'40na Property;Borrmerer's II.�an App➢icaEQon;I.easeholds.
<br />'� Borrower shall occupy.�tablish,And use Qhe Property as Borrower's principal resldence within siaty days after the exe�ution of
<br /> thls Securiry lnstrument aa�d shall continue to occupy¢he Property as Botrower's principal nestdence for at least one year ufter
<br /> the date af ocxupancy,urdl�sa I.ender othenrise agrees ia wridng,whIch consent shall not be unreasonably wcthheld.or unless
<br /> exteauating circumstances ��tist which are beyond Borrower's oontrol. Bornower shall not destroy. damsge or impa�r the
<br /> Pnnperty.allow the Property to deter�orate. or commit waste on tlhe Propetty. Borrower shall be in default if any forfeiwre
<br /> action or prooeeding, whether civil or crimin�l,is begun that ui Lender's good faith judgment could result in forfeIture of the
<br /> Froperty or oiherwise materially impair the lien creatad by this SecurIty Inst�ument or Leader's security Interest.Barrower may
<br /> �ovre such a defauDt and reinstate.as provided in paregraph 18.by causing the actton or proccedIng to b�e dismissed vvith a m1iGg
<br /> ,, t�nt, iu Ln,;�iv�'a gi�i,�i faiii�deteraivatian. �,rectud�s farf�turc af thc Bassv�:,r's ini:.r�i iss!he i'rogesly ar aslter mstcrisl
<br />= impairment of the lien created by this Security Inswment or I.ender's security interest. Borrower shtill also be In default if
<br />:.,F`_.
<br />_;,;:,� �ormwer.dur3ag the loan applicatton process.gave materlally false ar�inaccurat�infoimation or statements to Lender(or failed
<br /> ��,,'i• . to pmvide Lender with any material inEormauon)inaannection witEt.the loaa eyidenced by the Note. includu►g.but not limited
<br /> _:�;�
<br /> '— � to.representaaons wncenraix�;�Borrower's oocupan�y of.the Progerty as a prin�i�►:iE�cidence.If this Security Instrument Is on a
<br /> y � leasehold. Borrower sh�G� conipiy wIth a11 the�mva-�ions of the Icase. If�a{rawer acqujms fet tide to i!r Property, the
<br /> — leasehold ared the fee titlg���at!aot merge unless Lend��agt�ees tq th�merger in wri�ng.
<br /> 7.Prot�tl�w of Lewder's ltights in the Prop�ty.If Bonowes�ails w perform the cuvenants and agreemeiits contained in
<br /> t}us Seturlt�Uuisument.or there ic a legal prooeediag that may signi�icandy affect L,ender's rights in the Pipperty(such as a
<br /> proceeding in�bank�uptcy,pmbate. for condemnatioa or forfeiture or to enforce Iaws or regulations), then 4ender may do aad
<br /> pay for whatever is necessary to pmtect the value of the Property and Leader's r��hts in the Property. Leuder's actions may
<br /> include paying any sums secured by a lien wluch has priority over this Security Insuument. appeariag in oourt. paying
<br /> reasonabie attomeys' fees and entedng om the Pro�xlty to make repairs.Although I.ender may take action under this paragraph
<br /> 7.Lender daes fic�i have to do so.
<br /> � Any amounts disbvrsed by Ixnder under t�is paragraph 7 shail beoome addidonat debt of Borrower secured by this
<br /> Security Instrument.��)nless�dtrower and I.endar agr�ee to other tem�s of paymenY.`lbese amounts shall bear interest from the _
<br /> date of disbucsemept 'i�t ghe Note rate and shall be�payable, witl► interest. upo�4.notice from Lender to Borrower requesting =
<br /> paymen4. .
<br /> 8.Morbgn�e lnsurence.If I.ender required moKgage insutgnce as a condition of making tl}e loan secuted by thts Secudty
<br /> -�— Insuument, Boii�ower shall pay the premiums required tv maintain the mortgage inswance in'effect. If�,�oQ a�y reasoa, the
<br /> _ mortgage insucance ooverage required by Lender laps�s or ceases so be in ef�e�t,Borrower shall pay the�pfcTniums required to
<br /> obtain ooverage substantiatly equivalent to the mostg��s lnsurence previousty in effect,at a rost�ubstantiaqx�cjnivalent to the
<br /> � cost to Horrower of the mortgage insurance previoosly in eHect, from an altemate mortgage i�+s�r�pproved by I,ender.If
<br />��V��±';� substantially equivalent mortgage insurance caverage is not availabft,Borrower shall pay to Lencler,;�ach month a sum equal to
<br /> i5�� one-twelfth of the yearly mortgage insurance premium being paid by Bonower when the insurance covera$e:lupnod or ceased to
<br /> VLlifis .
<br /> ==— „be in effect. Lender will a�egt.use and retain these pa�rments as a loss reserve in�.tteu of mortgage iusueance. �I.oss reserve
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