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<br /> S. Nwzard or Pmperty InRUr��: Born�wcr shull kecp thc impruvements i�cxisting an c�rcuftcr crected im thc
<br /> Property h�surcd ugalnst I�isy by Pire,huzurds included within the[crm "extendcd coverugc" and any athcr h�.unls, inctuding
<br /> fle>ocls or Q�xxling, for which l.eiti�ler rcquire.r• in�.urunce. This insurance shull be malnudned In the nnuiunts nnd for the periods
<br /> that lAn�lcr reyuir�s. �'hc insurance currier providing thc intiurnnce shull be rhuscn by Borrower subject tu L.endcr�ti A�fpl'OVAI
<br /> which +hull nut t+e unrcusnnubly withhcld. If Borrower fuils to mointain caveruge de5c�ihed above, Lendcr muy, ut l.ender's
<br /> optiun,ubtain cuvcragc tn pmtcct Lcndcr's riglit� in the Pruperty in a<•c��rdancc with pa�ugruplt�.
<br /> All inxuranrc {x�llcies und re�xwuls shull be ucreptuble tu Lcnder und shull include a +ta�nJurd nxirtbuge cluuse. Lender
<br /> ,I�all huve the right to huld dtie poltcies anJ renewuls. !f L.ettdc�rcquires. Barrawer shull pramptly gice to L.ender all receipts of
<br /> paid premiuuir urni renewul nuticeti.In the event oP lass. Borcower shall givo prompt noticc to thc insurance currier a�ui l.ender.
<br /> l,ender muy muke prcwf of loss if nut mude promptly by Barrower.
<br /> U��Iess Lender and Bcirrawer atherwise ugree in writing, insurnnce pruceeds shult bc upplicd to restoration ar repair of tlie
<br /> Property dumageci. if the restarotlon or repsdr is economicnlly feusible and Lender's security is not Iessenc�d. If the restaratton or
<br /> repuir is not economirally feusible or Lendor's security would be Iessoned.the insur.ince praceeds sbaU be applied to the sums
<br /> secured by this Security Instrument, whether ar not then duc, with any oxcess paid to Borrawcr. lf Borrawrr abaixions the
<br /> Pro�:rty,or does not unswer r►ithin 30 di►is a notice from l.ender that the insurance currier has oiferecl to settle a claim,then
<br /> Lender mny collect the insurance proceeds. Lender may use the prore�`ds to repair ar restore the Property or to pay sums
<br /> secured by this Security Instrument,whether or not then due. The 30-duy�riod will begin when the notice is gtven.
<br /> Unless Lender and Borrower othenvise agree in writing, uny applicution of proceeds to prinelpal shall not extend or
<br /> postpone thc due date of the monthly payments r�f�rred to in paragrnph� I and 2 or change the umount nf thc pnyments. If
<br /> under parugraph 21 the Property is acquired by Lender. Bonower's right to uny insurance pnlicies nnd proceeds resulting fr4m
<br /> dumage to the Property prlor to the acquisition shnll pass to I.ender to the extcnt of the sums secured by this Scxudty Instrument
<br /> immediately prior to the acquisition.
<br /> 6.Oocupnncy,Preservation, Maintenance and Pcotection of the Propeny;Borrower's Loan ApplieAtton;Laiseholds.
<br /> Bonower shall occupy. establish, and use the Properry as Borrower's principal residence within sixty days after the execudon of
<br /> this Security Instrument and shalt cantinue to occupy the Property as Borrower's principal residence for at least one year after
<br /> the date nf occupancy. unless Lender otherwise agrees in writing.which consent shn(t nat be unreasonably withheld.or unless
<br /> extenuating circumstances exist which are beyond Bonower's concrol. Borrower shall not destroy, damage or impair the
<br /> Property, allow the Property to deteriorate, or commit wuste on the Property. Borrowcr shull be in default if any forfeiture
<br /> uction or proceeding,whether civil or crimin�l, is begun that in I.ender's good faith judgment could result in forfeiture of the
<br /> Nroperty or ocherwise ma�eriaiJy i.upui�ti�ia tien cr'�i:.3 hy ittis�cxurir;Insus�tent or I.�nnder's s!!'1r�ty�l�t��ct_ A�ir�wPr mny
<br /> cure such u default and reinstato,as provided in paragraph 18,by causing the action or proceeding to be dismissed with a ruling
<br /> that, in Lender's good faith determinuttan, precludes forfeiture of the Borrower's interest in the Property or other material
<br /> impatrment of the lien created by this Security Instrument ar Lcsnder's security interest. Borrower shall also be In default if
<br /> Boaower,during the loan application process,gave matarially false�r inaccurate information or statements to Lender(or failed
<br /> to provide Lender with ar,y material informatIon)in connection wlth the loan evidenced by the Note, Inclading,but not I[[nital
<br /> to,representations conceming Borrower's accupancy of the Proparry as a principal residence.If this Security Instcument is on a
<br /> teasehold, Sonower shall comply wIth all the provisIons of the Inase. If Borrower acquires fee title to the Property, the
<br /> leasehold and the fee titic shall not mergc unless Lender ngrees to the merger in writiug.
<br /> 7.Protectton ot Lender's Right9 in the Property.If Horrower fails to perform the covenants and agraments contalned in
<br /> this Security Instrument,or there is a legal proceeiling that may significuntly affect L.ender's rights in the Pmperty (such as a
<br /> procading in bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations), then I,ender may do and
<br /> pay for whntever is necessary to protect the value of the Properry and I.ender's rlghts in the Properiy. L.ender's actions may
<br /> include paying any suins secured by a tien which has prioriry over this Secudry Instrument. �ppeazing in wurt. paying
<br /> reasonable attorneys'fees and entering on the Properry to make repairs. Although Lender may take action under this paragraph
<br /> 7,L.ender does not have to Go so.
<br /> Any amounts disbursed by Lcnder under this paragrnph 7 shall become additional debt of Borrowcr sxured by this
<br /> Security Instrument. Untess Borrower and L.ender asrce to other terms of payment, these anwunts shall bear interest from the
<br /> date of disbursement at the Note rate and shall be payable, with interest. upon notice from Lender to Bonowcr r�questing
<br /> payment.
<br /> 8.Mortgage Insurxnce.If Lender rcquired mortgage insurance as a conciition of mnking the loan secured by this Securiry
<br /> Instrument. Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason. the
<br /> mortgage insurance cowerage required by Lender lepses or ceases to be in effect.Bonower shall pay the premiums required to
<br /> obtain coverage substantlally oquivalent to the mortgage insuranee pmviously in effect,at a cost substantially equivalont ta the
<br /> cost to Borrower of the mortgnge insurence previously ln effect, fram an alternate mortgage (nsurer approved by LenAer.If
<br /> substanti�lly cquivalent martgage insurance coverege is not availuble,Bonower shall pay to I.ender each month a sum equal to
<br /> one-twelfth of the yearly mongage insurnnce premium boing paid by Borrower whcn the insuruncc coverage lapsed or ceased to
<br /> be in effect.Lender will accept,use und retain these payments as a loss reserve in lieu of mortguge insurance. Loss neserve
<br /> Form 3028 9180
<br /> Pspo 3 018
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