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<br />-�-�.� . S.Hpz�rd or Property In�uronce. Bortowcr shall kcxp thc improvcments now cxisting o97 eaf�r�rCc o thc Property
<br /> ° athcr hazards inc�n floods or
<br />;�.��,,s Invurcd aguinxt lass by firo, hazards includcd within thc tcrm cxtcndcd covcragc" and any , B
<br /> -._T,3� flaading,Cor which I.endcr rcquires insurance.This insurartce shsiU ba molntalned in the amountq and for the pcdods that L.cnder =
<br />-.�;�;�� requirc9.Tha insuranco carricr praviding thc Insurancc ehall bo chnscn by Borrowcr sub,�ect to L.cndcr's nppraval which shaU not
<br /> -=-�� bo unrcasonably withheld. If Barrawcr faile to maintain cavcragc descdbcd above, Lendcr may, at Lcnder s option, obtain
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<br /> covcrage ta pratoct Lcnder'a dgh�g in tho Property in accordance with paregraph 7.
<br /> All insuranca policles and rencwuls shell be acceptable to Lcndcr and shal!include a stanclurd mongage clause.L.endcr shall
<br /> °'��'� huvc tho rlght to hold�hc policIcs end renewals.If L.cndcr rcquites,Sorrawer shall prompdy glva W Lcndcr all receipts of pald
<br /> ----_ prcmiums and rencwal nodcaa.In tha event of lass,Borrowcr sliuU giv�prompt nodcc to thc insurancc carricr and I.cnder.Lender .
<br /> �:�.:,,,�►j may maka proof of loss if not made pcompdy by Boa�wer.
<br /> �] Unlcss Lcndcc and Borrowcr othcrwisc agrce In wddng,Insurencc procccd.g shall �c appllcd to resWradon or rcpair of thc
<br />'=:a;- property clamaged,if 1he resWration or r�pair is econandcally fcasible end Lender's securlty is not lessened.If tho restoration or
<br />�:;:,�� c�epair is not economically feasiblo or L.ender's sesuriry would be lessened, the�nsurance proceeds shall be applIed to the sums
<br /> `��``=— sccured by this Sxur[ty Instrumcnt, whether or not thcn duc, with any axcess puid to Borrowcr. If Borrower abandons tha
<br />:�;;�j Property, a daes not answcr within 30 days a nodcc from Lcndcr that the insurance carrIer has offered tn settla e claim,then
<br /> ..�.� Lender may collect the insurance procoeds•1-onder may use the procoeds w rcpair or rrstore the Property or to pay sums scxured
<br />���,. by this Securlty Insuument,whethcr or not then dua.The 30-clay perIod will begin whe�the nodce is given.
<br />������ Unless Lender and Sorrower otherwLse agree�n wridng,any eppllcatlon of proceeds to principal shaU not extend or postpono
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<br /> tha due dau of thc monthly payments refccred to in paragraphs 1 end 2 or change the amount of the payments.If under paragrap
<br /> -�� 21 the�+operty ls ecquired by Lender�Borrower's rIght to any insuracica policies and proceeds resuldng from damage to the
<br />-- -- Properiy pdor W the acquisidon shall pass to L.cnder to the extent of thc sums sccuced by this Securlty Insorument immedlately
<br /> :_� prior w tho acquisition. �
<br /> 6.Occupancy,Preservatbn,MAintenance and Protection otthe Prnperty; Borrower's Loan Applkatbe;LeasehpWs.
<br />_�,�„�� Borrower shall oceupy,establish,and use the Property as Borrower's prineipal residence within skty days after the eaceeuaon of
<br /> — this Sxarity Insuument end shall continue to occupy the Property as Bonowe�r's prIncipal residence for at least one year after the
<br />.=_��=i�1� date of occupancy, unless Lender othervvLse ugrees in writing, which consent shaU not be unreasonably withheld, or unless
<br /> � extenaadng circurnstances exist which are beyond Borrower's control.Botrower shall not destroy,damege or impair the Property,
<br /> allow the Proputy to deuriorate, or commit waste on the Property. Borcnwer shall be in default if any forfeiture acdon or
<br />_,.T� proceeding,whether civjl or criminal.is bcgon that in L.ender's good faith judgment could result in forfeiture of the Propc7ty or
<br /> otherv�rise materlally impair the lien created by this Security Instrument or L.ender's secwity interesG Hotrawer may cnre such a
<br />_—-- default and reinstate.as provIded in paragraph 18. by causing the acdon or procading to be dismissed with a n�llng that, in
<br /> LendePs good faith detenninadon,procludes forFeiture of tha Botrower's interest in the Proputy or other material impair�nent of
<br /> � the lien creatsd by this Securtty InsGnunent or Lender's secunry inceres��torrower siiati aiso be in defau�i u Bv,suw�.�ti,�g it�s
<br /> loan applica0ion proccss,gave mater3ally false or inaccucau information or statements to Lender(or faikd to provide I,enda wlth
<br /> any ma�eriai inforn�adon) in connxdon with the loan evidenced by the Note, including, but not limited to,representations
<br /> conceming Borrowu's occupa�cy of tha Pcopercy as a principal residence.If this Socuriry xnstrument ts on a leasehold.Barowa
<br /> shall comply with ail tho provisions of the lease.if Boaower acquires foo dda a�he Pmperty.tha lea�ehold and the fa dtk�ha11
<br /> not mecga unk;ss Lender egroes W thc mugu in writing.
<br /> 7.Protectbn of Leade�'e Iti�hte in the Fcoperty. If Homowu fails to perform the covenants and egroements contained in
<br /> thia Socurlty lnstrument,or them is a�gal procoecling that may signiflcuiQy affxt Lender's dghts in the Property(euch�+�
<br /> procoeding in bankniptcy,probace.far wndemnatbn a forfeiwre or to enforca laws or regulations),t�cn Lende,r may do and pay
<br /> for whatever is necessary w protoce the value of the Proputy and Lender's rights in tha Proputy.I.ender's actions may ir�clude
<br /> paYing eny sums sec�red by a llen which hag priodty over this Seciulty Tnstrument, appeadn8 in cou�t, payln8 ceu�oeabb
<br /> attomeys'fees and entering on tha Property w make repairs.Although Lender may talce ac�on under this peragtaph 7.I.ender
<br /> — does not tuve to do so.
<br /> Any amounts disbwrsed by Lendu undu this paregraph 7 shaU bacome additional debt of Borrower secured by this Socuriry
<br /> Instrument Unless Borrowu and Lerider agree co other te�ms of payment,these amauits shall beac intuest from tha date of
<br /> dlsbursement at the Note rate and shall be payable,with interest,upon notIce from Lender tn Borrower roquestin8 payma�G
<br /> 8.Mortgage Inaurana. If Lender required mortgage insuranct as a condidon of maldng the loan securod by this Securiry
<br /> Tnsuumen4 Borrowu shall pay the premiums required to maintain thc mortgcige insurance in effecL If. for any reason, thc
<br /> — mortgage insurance covesage requirai by Lender lapses or ceases to be in effec�Borrower shall pay the premivms requincl W
<br /> obtain coverage substandally equtvalent to the mongage insurance previously in effect,at a wst substanti�ally equivelent to tbe
<br />- --"� cost to Bomower of the mortgage insurance previously in effixt, from an altemate mortgage ins�rer approved by Lenda. If
<br />--___� substantially equivalent mortgage insurance coverage is not available,Borrower shaU pay to Lender each month a sum equal to
<br />-----.—� one-twelfih of the yearly mortgage Insurance premium being paid by Borrower when the insurance coverage lapsed or ceasod to
<br /> -='= be in effe�t Lender wW sicccep� use and �+etain these payments as a loss reserve in IIeu of mortgage insurance. Loss reserve
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