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<br /> �'�� S. IfnYUrd or Property Ynsurance.Borrower shall kcep the improvements now existin� ar hereafter erected on the =
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<br /> Y,�. �. Property insured ngainst loss by fire,haa..nrds Encluded within the term "extended coverage" and uny other htiznrds. includinII
<br /> �,,. floods or tiooding. for which Lender requlres insurance.This insurance shttll bs muintained in the nmaunts und for the periods
<br /> �� ehat Lender reyuires. The insurance carrier praviding the insucance shall be chosen by Horrower subject to L.ender's approval
<br />.,.�;�- which shnll not be unreasonably witNieid.lf Borrower fnils to maintein covemge descdbed ubove, Lender muy. at Lender'R
<br /> .�.. L� option.obwin covera�e to protect Lender's dghts in the Property►n uccordnnce with pw�a�rnph 7.
<br /> � All insurance policles and renewals shall be acceptable to Lender and shsili includr a suutJucd mortgagc cluusc. Lendcr
<br />�`��,.� shnll have che right to hold the policies und renewals. If Ixnder requir�s.Borrower shnll promptly glve to.I.ender all receipts of
<br />�::,�:,�;� paid preraiums und renewal notices. In the event of loss.Borrower shsll give prompt notice to the insurance cerrler and Lender.
<br /> Lender may make proof of loss if not made promptly by Bomower.
<br />���� Unless Lender and Borrower othecwiu a�re�in writing, insurance praeeEds shall be applIed to resteration or repair of the �
<br /> _� Property dumage�.if tfia restoration or repalr is economically feasible and Lender's security is not lessened.If the restomtion or �
<br />":�,m. repair is not eoonomically feasible or Lender's secwity would be lesscned.the insu:ance proc�ds shalt be epplied to the sums . (i
<br />__:�� eec�u+ed by this Security Instrument.whether or not then due,with any excess paid to Borrower. If Borrower abandona tke ��
<br />'.�� Praperty,or does not aaswer wlthln 30 days a notice from Leader tbat the insutance carrler has offered to settle a cleim.then
<br />_:',�"�'� Lender may collact the insurance prooeeds. Lender may use the proceeds to repair or restore the Property or to pay sums �
<br />"�° secured by this Security Instniment, whether or not then due.The 30-day perlod wiU begin when the nodce is given.
<br /> Unless Lertder and Borrower otherwise egree in wrlting,any applicadon of proceeds to principal shall not extend or �
<br /> _� pr�stpane the due daYe of the monthly payments refemed to in paragraphs 1 and 2 or chaa�e the aznount of the payments. If
<br /> _— tuider paragraph 21 the Pmperty is acquired by Lender,Borrower's r�ght to any iasw�ance policies and pmceeds resulting from
<br /> damage to the Praperty prior to the acquisidon shall pass w Lender to the extent of the sums secured by this Security Instrument
<br />__ __ Iuunediately prlor to the Rc�quisitioa_
<br /> � 6.Occnppmy.�reservatEon,Maintename�Prutection of the Pragerty;Bflrrower's Loan Agg��tion;Leaseholats.
<br /> Bo:rower shall oocupy.establish,a�d use the Fra;p�rty as Bomower's prlacipal c�sidence withtn sixty days aftar the execution of
<br /> thia Securfty Insmunent and shaU cmminue to occupy We Progerty as Bonrower's principal residence for at least one year after
<br /> the d3ee of oocupanay,unles.s L,end�r otbenvise agrees in writing, which oonsent shall nos De unreasonablY withheld.or unless
<br /> _ eatenuating circumstances exist a�irh are beyond Borrower's control. Bomower shall not destroy, damage or imprur the _
<br /> Property. ellow the Property to deteriorate. or commit waste on the Property. Borrower shall be in default if any forfeiture
<br /> acdon or piuoeeding. whetker civil or crimtnal,us begun that In I.eader's good faith judgment could rasult in forfeiture of the
<br /> -- Fropertrr or otherwise materlaUy imp�r the lisn created by this Security Iastzument or Lender's security interest.Bomower naay
<br /> cure serin a default and reiastate,as providod in paragraPh 18, by c�using the ecUon or pmax�.ding to be dismisseci witn a:uii�;
<br /> that, in I„ender's good faith detemniaarion, procludes forfeiture of the Borrowe�'s interest in the Property or other�teaIal
<br /> Impairment of the lien created by tlils Secudry InstrumeM or Lender's sacurity interest. Borrower shall also be in default if
<br /> Borrower,during the loan applicaiion process,gave materially false or inaocueate infomiation or statements to Lender(os failed
<br /> to provide Leader wieh any materiaa Infoimanon)in connecHon wIth the loan evidenced�y the Note.including,but aot limited �
<br /> -- w.repiesxntarions canceratng Iiorc¢�Ner's accupancy of the Pmperty es a princlpat re.siden�e.If t6is Securlcy Insaument�s on a. .
<br /> lease�+ald,.Botmwer shall comply �rith aU the pmvisloas of the lease. If Bomo�ver acquires fee dde to the Pmpe�Ry, tIIt�
<br /> teasehold and the fee title shall not rnerge unleac I.ender agrees to the merger in arriting. � � �
<br /> 7.ProtecUon o8 Leadesr's Ri�ta in the Yeoperty.If Borrower fails to perform the covenants and agreements oontasned ia
<br /> this Security Instivruent, or there is e legal pmoeeding that may signi8cantly affect Leader's rights in the Property (suc�►as a
<br /> pro�ling in bankauptcy,pnobate, for candemnaHon or forfeiwre or to enforce laws or regulatioas),then Lender tnuy�a;and
<br /> pay for whatever is necessaty�to psoteci d►e valve of the Property aad I.ender's righu iie the Pmgerty. Lender's ae.tion5��ttay
<br /> include paying am sums securc�d bY a IIen which has priority over this Security Instiument. apPearing in cauc�+��a�ln3
<br /> reasonable uttomeys'fees aad entering onthe Pnoperty W make rePirs•Althon8b L.ender may take acdon under this pnragc�ph ,
<br /> 7,Lender does not have w do so. , .
<br /> - _ pny amouats disbn�sed by IRader uader tdis paragraph 7 shatl bex�o�ne addIttonat debt of Bormwcr seaired bY tlus �
<br /> Security Instr�ment. Unless Boimwer and Lender agree w otber tern�s of payment,these amounts shall bear interest from the
<br /> date of disbwsement at tiie Note rate and shall be pnyable. vrith interest,upon notice from Lender to Borrower zequ�ng
<br /> _ _ payment.
<br /> _- , S.Mortgnge Ingurauce.If L.e�er reQuirod mortRaBe fnsutance as a ooadition of maidag the toan s�curod dY tlus Se�.-wity
<br /> - Instnumen�Borrower shalt pay tl�e pnemiums required w maintain t�e mortgage insuranoe in effect. If. for any reason, the
<br /> mo�gage insurame coverage nquirod by Le�er(apses or cease,c to be in effect,F.orrower shaU pay the prem[ums required w
<br /> obttnn coverage substantially eq�ivaknt w the mortgage insuranoe previously in effect.at a cost substandally equivalent to the
<br /> cost to Botrower o�f the mortgage iacurance previously in effeet. from an nitemate mortgege insurer approved by Lender. If
<br /> substamially equiveiem mortgage imwc�ace ooverage is not available. Borrower stuill pay to Lender eaeh month a sam e�ual to
<br /> one-twelfth of the yearly mortgage intusanoe premium bEing Paid by Bomnwer when the insutance ooverage lapsod or oeaced to
<br /> be in effect.I.ender will aoxpt,use ancl retaiu these Payments as a loss resen►e in lieu of mort�e insutauoe• Loss reserve
<br />-- Form 3028 8t8o
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