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<br /> S. Hautrtl or Ptoperiy Insuestnce. Borrower ahull keep the impravements now exiating or hereafter�c0�o'lf�e
<br /> property insured np�Inst foss by fire,hrunrda incluEte41 within the term "extended roverage"ens!enY othes h;s:.�cds. iad�ding
<br /> floods or ttooding, for which Lender requires insurance.This ins�rance ehall be maiot�ined in the amnunts aad for th�perioQs
<br /> thnt l.ender requir�. The insumnce cnre'ser providing the i�uranre ahull be chosen by Borrower subject tu I..ender�N AppiOVtJI
<br /> which shnll nat be unreasonably withheid. If Borrowcr i'nils to mulntuin coverage described nbuve. Lender may, ut l.ender'R
<br /> aptfan.obtuln caverage to protect l.ender'x dghts in the Praperty in uccordnnce with panigmph 7.
<br /> Atl in�sumnce policies nnd rertewnls shall be ncreptable tn I.ender und shall include a r�nrtdard murtgage cluusc. Lender
<br /> shall have the right ta hold the poficies and renewuis. If Lender requfres.Borrower shali prornptly give to i..ender nll receipts of
<br /> paid pre�niums und renewul notic.�s.In the event of loss,Barmwer�hall�ive prornpt not ice ta the insurnnce carr€er and l.ender. �
<br /> fxnd�r may make proof of loss if rtot made promptly by Borrower.
<br /> Unless Lender and Borrower otherwise agree in wdting� insuranc�c proceeds shall be epp8ed ta restoration or repair of the
<br /> Propeety damnged,if the restoration or repair is economicrally feasible nnd Lender's securiry i s nat lessened. If the rrtsstomtIon or
<br /> repair is not economIcally feasible or Lender's security would be lessened.the Insurance procceds shull be applied to the swns
<br /> secured by this Securlty Insuvment. whether or not then due. with uny excess paid to Borrower. If Sorrower abandons tlie
<br /> Property.or does not enswer��rithin 3�days a noGce from Lender that the insurance carrier has offered to settle n claim, ¢hen
<br /> L.ender may collect the insurance pmceeds. Lender may use the proce�is to repair or restore the Property or to pay sums
<br /> securc:d by this Scxudty Irtstrument.whether or not then due.The 30-day pedod will begin when the notice is given.
<br /> Unless Lender and Borrower otherwise a�cpe in wrldng. any appltcation af pracxads to princip�l shall noi extend or
<br /> postpone the dae date of the monthly payments referred to In paragrepha 1 and 2 or change the amount of the payments. If
<br /> under paragrnph 21 the Property is acquired by Lender,Borrower's r�ght to any insurartce policies and pmceods msulting from
<br /> damage to the Property prior to the acquisitIon shall pass w Leader to the ex.tent of the sums savred by this Security Instntment
<br /> immediately pr�or to the acqulsition. .
<br /> 6.(kcupaz�y,Preservation�Maitttenaace and Protection of We Property;Bomswer's Loan AppllcaHon;I.easeholds.
<br /> Borrower shall occupy,esiablish.and use the Property as Borrower's principal residence wlthin sixty days after the execudon of
<br /> this Securlty Iasteument and shall conrinue to ao�upy the Property as Borrower's princlpal r�esfdence for at least one year after
<br /> , We date of oaupancy,unies.s i.ender otherwise Z,�rees In writ�ng, which consent shall not be unrnasonably withheld,or�nless
<br /> extenuating circumstances exist which are beyond Borrower's control. Borrower shaU nc:t destroy, damage or impair the
<br /> Property.allow !he Property w det�iorate.or coma4it waste on the Property.Borrovver shaU be in default if any forfeiwre
<br /> adIon or proceoding. whether civil or crimiaal, is begun th�t in Lender's geod faith j¢��ment oould result ia forFeitura of the
<br /> Praperty or otherwise materially impair the lien cmated by this Securlty Instrumea2 or Lender's security interest. Borrower may
<br /> cure such a defuult and ieinstate,es provided in pazagraph 18,by causing¢he�ction or proceeding w be disa�issed with a�vling
<br /> that, in Ixnder's good faith determination, precludes forfeituie of the Borrower's interest ia the Propecty or other r�t�zir� �
<br /> impairntem af the lien cr+eated hy thix Se�,��ty instr+3a�at 4���r's seasrii�futer�t.Basra::�tr�!al�t�i�s�.�;: _
<br /> Bormwer,during the loan appliration proc�ss�gave materially false or inaccurate infom�adon or statemenu to I.ender(�r�fa�led ,.�.,
<br /> W provtde Lender r�th any m�.te�:!informadon)in conaection with the toa�,exidenad by lize Note.inct�eidfug. but uot tiaaitecc� ..:`� -
<br /> to�repteseatarions oonoeming Barmwer's ooaipavty of the Property as a p�tncipal residence. If Wis Security Instrument is on a�•'
<br /> leasehold, Borrower sLall comply witb ell the provisions of the tease. If��oirower acquires fee dtle to the Property, the �: ''�
<br /> leasehold and the fec tide shall rtot merge unless Leader agrees ta the merger in writipg.
<br /> 7.QroteMIon ot Lender's�in the Prop�ty.If Bore�ow�r fails to perform the oovenanas and agreements coniained in ;� , :
<br /> this Securtty Instiument, or the�is a legal prooeeding that may aignificatitly��ffect I.@i�Yder�s rights in the Property (such as a –
<br /> proceeding ia banktuptcy. pmbate,for oondemnation or forfeitare or to enfarcelaws or reguladons).then Lender may do and ;;..�'�
<br /> pay for wbatever is�eces.sary to protect the value of the Propelty and L,endar's rights in the Property. Lender's actIons may '
<br /> includ�"}�ayiag any 'sums secured by a lien which has pr[or[ty over tbia:Security Inswrnent. appearing In co�nt,,paying
<br /> reasonable sttomeys'fces and entering on the Property to make repaits.Altli�Ugh L,ender may take actian under ttris�agtaph
<br /> 7.Lender does not have to do so. �
<br /> My amounts disbursed by Lender under thls paragraph 7 shall lo�e'additional debt of Borrower secured by this •`•
<br /> � Securi¢y lnstnunent. Uniess Borrower and Lender egree to other terms of p$yment, thesx amouats shail bear interest frnm the "' .
<br /> date of disbursement at the Note rate and shap be payable, weth Interest. upon n�ioe•�frp=n I,ender w Borrower n�que,sting
<br /> payment. . ,
<br /> 8.Mort�e Insurance.If LCttder requi�d mortgage insurance as a cortdltion of��g the loaa secured by this;SECUrity
<br /> Insuument. Bormwer shall pay the premiums required w maintain the moasgage insurance in effect. If, for any reason. t6e
<br /> mortgage inswance ooverage required by Lender lapses or ceases to be in et�ect,Borrower sliall pay the premiumg�uired to 1,.,,,;;�,;'
<br /> obtain ooverage substanaally equivalent to the martgage insuranuce prcwiously tn effect,at a oost substantially oquivalens to the .'
<br /> cost to Bomower of the mortgage iusvrartce previausly in etpect, fmm an altemate mortgege insurer approved by l.�der.I�f
<br /> substantially equivalent mortgage insurance coverage is not available,Borcower shali pay w txnder each month a sum oquat to �,,:��
<br /> one-tweifth of the yearly mortgage+��,*arae premium being paid by Borrower when the insuranoe ooverage lapsed or ceased t� • .
<br /> be in effect.Lender wjll accept,use and retain t�iese payments as a loss raserve in lieu of�noRgage iusurance. Loss reserve �: �
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