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<br /> S. �Iuznrd ar tDro�sefty Insumnce. Borrower shulf keep the improvemenGs now existing ar hereafter er�cte� an the
<br /> . `^`'"���L 6'rapsrty insurecl aguiast toss by fi�e, h;uanls iacluded within t�e tesm"extended covernge"nnd nny ather ha•rnrds, including
<br /> _ ..;,.,,� ; tlac�ds ur ftc�oding,for whieh Lender requires insuranee.'�'his insurance shal�tse maintaine�i in the amounts aad far the pericsds _
<br /> _y,,�a='L�� that Lender cer�uims. The insuranee cArrter prov�din�the insumnce sbali be chasen by Barrower subject ta Lender's upproval _
<br /> whtct�sha11 not 6c uncea�onaQ�ly�vithheld. If Bonower f�ils to mairuuin covetnge describcd nbove. Lender may.at Lender's
<br /> --"-'�� aption.obtnin cavem�;e to protect Lender's dghts in the Property in accardance with paragrnph 7. `
<br /> - -•���� All insurunce pnllcies and renewnls sball be�cceputble to Len�ler and shall include a standard mortgage caause. I.ender
<br />�=`-�9����� shall huve the ri�ht to hold the policies und renewals. If Lender rciquires, Donower shall promptly give to Lender all receipts of
<br />.�,.;,=-- paid premtums and renew�l notices.In the event of loss,Borrower shall give prompt notice to the insurartce cacrier iu►d Lender.
<br />- Lender may make prctof of bss if not mxde promptly by Borrower.
<br /> -::_;:�.� Unless Lender and Barrower othenvise agree in writing,insurance proce�ds shull be applied to restoration or repair of the
<br /> - -- _ Property damaged,if the ratorndon or repa[r Is economicaily feasible and Lender's securiry is not lessened.if the resroradon or
<br />�T�'��`�� repair is not economicaqy feasible or Lertder's security would be lessened,the insurance procceds slutll be applied to the sums
<br />�T�iB� secured by this Security Insttvment, whether or not then due, with any excess paid to Borrower. If Bort+owe�abandans the
<br /> --"-� Property,or does not sns�ver within 30 days u nouce from Lender that the insurartce carrier has offered to settle a claim,then
<br /> I.ender may collect the insurance proceads. Lender may use the proceeds to repalr or t+estore the Property or to pay sums
<br /> -- secured by this Security Inswment.whether or nnt then due.The 30-day period w9l1 besin when the notice is given.
<br /> � Unles.c i.snder and Borruwer oitienvise ugre�e in wrlting, any epplication of pr�s to principal shall not eatend or
<br /> - :---- postponc the due date af the mon3hl}� paymeats refemed w in paragrophs 1 and 2 or change the amount of the paymeats. !f "
<br /> under pnragraph 21 the Property is�equired by Lender,Borrower's sighi to any insurance pollctes and proceeds resulting fi'om
<br /> "'"'—���`'� damage ta die P7opeety prior to t@e acquisitton shall pass tc�Lender to the extent of the sums secured by this Security Inspruu�ient ,
<br /> imme�tiatcly pdor to tka acquisidon.
<br /> ''�""- 6,pccup�ncy,�vatton,1Naintenanoe aad ProiecUon of the Progerty;Banower's Losyn Applicutton;I.easeholds.
<br /> �v_ Bomawer shall oocupy,establisN.nnd use the Property as Borrouver's principal rPSidence witlun sixty days aftcr the execution of
<br /> this Security insuument anl shall oor�t{nue to oocupy ihe Propeaty as Horrower's pdncipal residence for at least one y�•r�ter
<br /> —� the date of occupancy,unless Lender otherwise agc+ees in vnitiz�,wtiich oons�nt shali not be unreasonably withheld, or unless
<br /> extenuating circumstanoes exist which are beya�nd Borrower's cor�trol- Borrower shail not destroy. damage or impair the
<br /> propecty. allow the Property to deteriorate. or co„amit�vaste on the Property.Borrower shall he in defaeuit if any forfeiture
<br /> s�tion or proceedin�. �vhether civil or criminal. es begun that's�Lereder's good fait6 judgtnent could result in�forfeiture of the
<br /> —.—_ Property or otherwise matulally impair the tien cmated by this Security Insuument or L.ender's security interesc. Borra�ver=naY °
<br /> cure such a default and��einstate,as pmvided in p�raph 18.by causing the acdoa or pr�ing to be dismissed with a ruling
<br /> that. in Lender's good faith determinadon, pnecAa��s forfeiture of the Borrower's inYerest in the Prop�'ty or other materIal
<br /> impatrn�ent of the lien cr�sted by this Securitgr Ins2rument or Ixader's se�ur44y iRterest. Borcower shall�lso be in defauit if
<br /> Borrower.durin�the loan application prooess,gave materially false ar inaoauste inforroation or statemenu W Leader(or failad
<br /> _ to provide Lender with any materisl information)ia coanecHon with the loan evideaced by the Note.including.but not limaited
<br /> to,mpmsentations ooncerning Borrower's occupancy of the Property es a principal residence.If fhis Security Instxument.'es��na
<br /> leasehold. Borrower shail oomply with all the pr�visions of the tease. If Borrower aoquines fee Hde to the Property; •1he ,
<br /> leasehold and the fee title shail not cnerge unless I.ender agcpes to the merger in writing.
<br /> 7.Ptofedion of I.ender's Rd�2s in the Property.If Borr+ower fails to perform the covenants and agrewneats rnmsined ia
<br /> this Socwity Insuument. or there is�fegal proceeding that msY significantly affect Lender's rights in the Property�such as a
<br /> pmceedin�in banlcniptcy,Prob3re.for wademnatinq.ntforfeiture.or.to enforce Iav�s oT.Fegulations),then Letider tnay do and
<br /> pay for whatever is nece.uaiy eo protecc the value of the Propelty and Lender'a rights in the Prvperty. I�ender's actioas may
<br /> include pstying eny swns secured by a lien which hes priority over ttus Securiry Instrument. appearing in court, paying
<br /> reasonable attomeys' fees and entering on We Prnperty to malce�airs. Althoagh Lender�na�+teke action under thIs paragraph
<br /> 7.3.t�drs s1�aot�s�e*.n�!�..+so.
<br /> Any aaiounts disburaed by Lender uader t6is pa�c�agraph 7 shall become additional debt of Borrower secureml by tLis
<br /> M� Sec�rity Instniment. Unless Boreower and I.ender agree to attnerterros of payment,these amounts sball bear InteresA;from the
<br /> , date of dis6urseme.nt ai the Note rate and shall be payable, wW iaterest. upon nodce from I.ender to.Bontower ae�esdag
<br /> ° - payuie�it. �
<br /> � • 8.Mostgage imuranoe.If'B.�der requi�d murigaga i�uwanc.a as a ca�dido�s af m�ng she lar.n�red by this�.'�t; .
<br /> _��;. Inswment. Borrower shall pay t,�a�nemiuros requjred to nta�ntain the mortgage insurance in effecc. If, for a�ty resson, the
<br /> mortgage insuranoe ooveiege req�ured by LEnder lapses or ceases to be in effed,Borrower shall pay the preminms required w
<br /> — obia[n covera,ge substentiaUy equivalent to the mortgage insurance previously in effect,at a oost substantially equivalent to the
<br /> cost W Borrowcr of the mortga�e insutance previously in effeci,from an siltemats�nortgage insurer approved by Yrender.If
<br /> substantially equivatent mortgage insw'ance oaverage is noi available,Borcower shall pay to L.ender each month a sum equnl to
<br /> -=��1`�� ono-twelfth of the yearly mortgage Insurance pi+emium being paid by Borro�ver when the iusurance voverage lapsed or oeascjd eo
<br /> - ---- !�iss eflFecl.L..�e+r°.yil1 acc�t.�ls"2a�!^ex?in�hese�ayments as a loss reserve tn lieu of mortgage insumnce. Iass reserve
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