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<br /> ' �' �. 5. Hw.nrd or Propet�y Insurt��ce. Banowcr shalt kcep thc jmprovcmcm� nnw existing ur�CrcaRer crccted on thc
<br /> � �:fi Praperty insumd agatt�st lass by fire. hnuuds included within the term"extcnded cuveragc" and uny other hauudti, includinB _
<br /> .F;��, flaads ar floading,far which l ender rcquires Insurunce. This insurance shuq he niuintained in the unx�unts and for the peric�ds
<br /> : s thnt Lender requires. The insurance carrler providing the insuranre shall be chasen by Bonrnver subject to L.ender's approvnl C+�
<br /> � - , which shull not be unre:isonably withheld. !f Borrower fnils tu maintuin covernge descrbbcd ubove. Lender muy, ut l.ender's C�
<br /> � option. obtuin cavem�e ta pratect I.ender's riBhts in the Propeny in nccor duncc w i t h paru�ra p h 7.
<br /> � Atl insurartce policies und mnewnls shall be ucceptab(c ta Lender und shall inctudc u stc�ndnrd nx�rtgage cluuse. Lcnder �
<br /> shall huve the d�ht ta hold thp palicies und renewnls.If Lender requires,Barrower shall pramptly give to Lender all receiFtx of
<br /> � :" puld pr�miums aad renewul notices.ln the event uf loss.Borruwee shall givc prumpt nottce to the insumrtre carriP�and Ixnder. � ,
<br /> _' Lender mny malce proaf of loss if not made promptly by Bonower.
<br /> "-y � U nless I.ender and Borrower otherwise agrce in writinII.insurunce proceeds sh�ll be applied to restoration or repair c►f iho �
<br /> -- - � Property damaged,if the restarntion or repalr is economicully feasible and Lender's security is not lessened.If the restoration or
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<br />_- -.• ,��� re��lr is not eoonamicully feaslble or[.ender's security would be lessened.ehe insurance procceds shall bo nppltecf to the sums
<br /> �• '` • securec!by this Security Instrument. whether or not then due, with any excess p�id to Borrower. It Borrawer abandons the
<br /> "�'' ' • Pcoperty,or does nat sinswer within 30 days a notic�e from l.ender ttuit ttio insurance eanier h�s offered to settle e elaim.then
<br />,`;,.,,;:',�`.�� Lender m�y colloct the insumnce proceeda. Lender may use the Praceeds to repair or �estore the Property or to pay sums
<br />:,�,- sec:ured by tliis Securlry Instn►ment,whether or not then due.The 3Q-duy pertod will beBin v+hen the natiae is given.
<br />�t,�., . .
<br /> ''� Unless Gender and Surrower other�vlse ag[eE in wridng. uny appl[caUon of procee�s to principal shall not extend or
<br /> �`��;;.;,o��,•, postpnne the due date of the monthly payments refemed to in paragraphs 1 and 2 nr chenge the amount of the payments. If
<br /> - `�':{,N under pam�raph 21 the Property is acquired by Lender. Borrower's dght to any insurance palicies:and procee�a resultln$from
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<br />"��`-_---°.��:�� damage to the Property pdor to the at�uisitinn shatl pass to Lender to the extent af the sums serured by this Secu ty nstrument
<br />__�,+r�.••�:;.t :
<br /> _ :'�;;. immediately pdor w the acquislt�on.
<br /> -""''°'°'� 6. Occupnncy,Pr�ecVatlon,Malatenauce and�itection of the Properiy;Borrowea''s Lostn Apgpltcatlon;I.easeleolds.
<br />_•,;,.�;� �urrower shnli occupy.estublish.u�►d use the i'rops�;r�►�Barrower's principal resldence wlthln sixty days efter she execution of
<br /> �-� tfita SecLdr�Instrument arxl shall wntinue to occupy the I'mperty es Borcower's principal r�sidertce for at tenst ono year after
<br /> s`-�';�� the date of cwcupancy.unless I.ender uthervilFe ag►�ees In wddng,�Nhich consent sh�ll not he unreasonably withheld,or unless
<br /> �� _..�__,..._„q�� extenuacir,�t circumster►ces exlst which are beyond �orrowex's can4rol. Borrower shall not destroy, dnmage ot im�air the
<br /> ---= 6�roperty,}�llaw tl�e Pcop�rry to detedora.te, or commit waste on the Property.Borrower shall be in default if any forfviture
<br /> °°`-��'�,'�: action or procee�ing, wh�thcr civil or crlminal,is hPgun that in I.ender's good fnith Judgment could result iae i'arfeiture oF tha
<br />--.�� Property or otherwise materially impair the lien created by thls Serurity InstTUment or Lender's secudty intere.at.Borrower may
<br /> - cure sach a default end reinstate,as provided in paragraph 18,by atusing the ecdon or prmcecding to be diamissed with a��Eing
<br /> — that, an Lender's good fu[th determinatlon, precludes forfeirure of the Borrower's interest iti�ths Property or other muttsrial
<br /> imp�irment of the lien created by this Securlty Instnunent or s.enders security inicr�t.S��.awe.btni,li a��b"v !ss t3�fstslt iP
<br />� __-_ -- �orrower.dudng ihe loan nppllcadon process,gave mmerinlly false or inaccurate informadon or stcitements ta Lendor(or fuiled
<br /> to provide Ixnder with any matedel lnformasion)im m�nection with the loatt evidenced by the Note.includln$,but not limited
<br /> _ to.repr�ntetions conceming Borrower's occupancy of the Property as a principal resldence.If this Securiry Instrumeni is on a
<br /> leasehold, Hor.rdwer shall wutply wlth ell the pmvisions of the lease. If Borrower�cquires fee dtte w tbe I'mperty, d�
<br /> leasehold and the fee tIde si�aft not mer$e uniess Lender agrees to the merger in wrlting.
<br />- -- 7.IR�utc�cttoa of Luq�e�'s Rights 8n the Property.If Bomower fails to perFarm the wvenauts and a�[eements contained in
<br />-;,� rhis�cur�ty InRUUment.or there is a l�gal pmoeeding that muy sisnificantly affect L.ender's rights in the Property(such as a
<br /> -� pmoeeding in banlavptcy,probato,for oondemnation or forfettute or ro enforce laws or rcgulutions),then Ixnder may do euA
<br /> -�;�� puy for whutever ls necessury to proYCCt the value of the Property nnd I.ender's rights in the Property. Leate4er's acdons'ttnuy .
<br /> -� include payfng any suma secured by a lten which has prlor�ty over thia Saurity Insttumem. uppearing in oourt, paying
<br /> — reasonuble attorneys'fees and entering on the Property to muke repaics.Although Lender may toke acdon under this paragraph
<br /> 7.Lender does not have to do so.
<br /> pny,•amounts disbursed by Gender under this parragraph 7 shall �ecome udditIonal debt of Borro�ver secured by this
<br /> Securiry Insirument. Unless Barrower and Lender ugree to other terms of payment.these amoun�g shnl!bzar interest from xhe
<br /> dstte of disbursement at the Note rate and shall be payable. with interest, upon nodce from i.eytdec to Bosower t�qut�ting
<br /> payment.
<br /> 8,Mortgaga In.carante.If Lender mquired inortgage insurance aw u condition of muldn�the lo�n secur�ed by this Secwity
<br /> Instrument. Borrower shall pay the premlums required to maintain the mortgaIIe insurence in eE'fea. If, for any reason, t1:e
<br /> mortguge insurnnce covei�sge required by l.endcr lapses or ceases to be in effect,Bormwer s!^�sill�,ay the premiums c+equired w
<br /> --- - ---- obtain covcra�c substm►tidly equiva�i.fli L9 S�1C IItDll�jti�C IItbU1'tli1C2 j1T�Yi0i3S�y iR CiiCCt.a�n«r.a:�n�EinF[y�rntes�t ta th�
<br /> cpst ¢o Bormwer of ttt� motlgu�e inautance prevtously in effect;from an attemate mortga�e insurer appraved by I.c«dca.Df
<br /> aubstanttatiy equivalent martgage inaurence wverage is not availuble.Borrower shnll pay to L,ender each m�nth a sum equat to
<br /> dne-twcifth of the yesrly m4rtgage insw�ance premium 6eing psud by Borrower wizen the insuranoe covernge i�psed or ceased to
<br /> t�e in effect.Lender witl accept.use und retain these payments av u loss reserve in lieu of mort�uge tasuranoe. Loss seserve
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