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<br />      					S. l�arar! or h�opMiy i�aioe. Borrower dull koep tbe improvcrnent� now eatttln� or h�asafter eiec�ed oa Uw
<br /> 					i�rap�erry Irourcd a�inu laau�by tirc. Furanfa inciuded within�ho tcrm�4'xltlldOd O�VCi�C�and�ny athar h�rard�, inaludin�
<br /> 					tfooc4�or Roodin�. for which l�e,t�der requfr�a�irowrar�e.'11ds inwr�ncx�iuJl ba m�intained In tMe�mo�unts and for tlrt pe�iad�
<br />					tba Ira�der roquira.'fha{nwr�noe cartior pravWin�tbe inwru�oa�h�ll bo chn�en by Bonower wbjac�w I.ender'��pprovv
<br /> 					which�Full nol be unr�c�wn�bly wftl�held. If Borrowcr faila to malmaln rcwora�e darribed�bov�.La�der nry. �t I.a�der'�
<br />					aptbn,nbtaln aover�e to proloct Lender'�ri�INa io thc PropE,�ty in�danae wUb p�raQnph 7.
<br />      					All inwtaioe pMicfes and nenewab stwll be aocepnble lo LendRtr uu1 shal) includo a uardud imrt�e clwse. Ixnder
<br />					sh�l!have tho�i�ht w hold the poNcles md natewd�.It Lender rcqilire�,BiKruwer�11 pr�►m�ly�iva to L,aWer all rooelpts ot
<br />    ��—  	p�10 pnmiwns arW renewa!�ottcrs.[n thc evr.nt of loss.Borrowor s�ult aive prompt n�tkc co ehe iasunnce carrler ond l.ender.
<br />					l,mder mry m�lce proof of law if oot m�dc promptly by Bomowcr.
<br />      					U�less Lender md Bormwer dherwl:e ogr�oa in wdting. inwrancc pmceodx shail be epplied to reFtor3tian a�repai�at lhe
<br />					F�roperty damsged. it the Kswr�tion w rcpwir ia ecannrt�k�lly Feasibic wid L�endePs sav�ity i�na Icsserrod.If the res�on�ion or
<br />					repair it not ocaamk�llly fasible or Lender's security woutd be le�ceaed. tha inRUr�we praca�odr stwll be appliod�a the wurts
<br /> -  i---		_�  	e�u�ud by U�is Securi�y inslrumed. wixther or not timn dus. with any e�tcess psid to Bomnwer. li Borrower ab�ndonx the  	-
<br />					Property. or das nat answer within 30 days�natf�e feom l.ender lhnt�hc ias�rance carrier has offered to setUe a claim. then
<br />					Lender may oolloct�he incurance pnocads. l.enclsr may usa thc procood.4 W �epair or�+eston�he Pmpe►ty or to p�y su�
<br />					securcd by this Security lnsaument.whetlkr or not Wan,due.7'ws 30�day perWd will be�in w6en ihe natioc is given.
<br />      					Unless L.endor and Barrower atbawise ugta in w!ri�ing. ony application of procceds W priacipal clwll not extend or
<br />					postpone Nx due date af the monthly payments refcrnod w ia paraRrrphs 1 qnd 2 or chqn8e tbe arnount of the pvyments. If
<br />					unde�pruaig�pU 21 the Prope�ty is arquired by l.endur.Borrowcr'�d;bt ta mv iaRUr�ncx pdicla�and ptncoals rowlting from
<br />					d�nage to the Propeity prior to the�cqW�itiai�hali�ppas tp Lendar W�be excent ot'tbe sums sxund by this Security Instrumau
<br />   	-- 			inwediauly prior to thc ncquisidon.      												_
<br />     					6.Oocupa.cy,Preservation��nce a�d Rvicec�on o!UQ Propertya Borrow,er�s I,oan Appltcacioo;l.easeholds.
<br /> is�  ,,      i ;I Y���r�       	Borrower sholl occupy,establish.and use�he P�+o�eKy as Borrower's principal reaidence within sixry days after the execut�oo of
<br />					this Security Instn�mau and shall continue ta occupy the Pmperty as Bar�awer's principal rcsidence for at least ona year aRer
<br />  �  �       i�     		th�datc of oocuparxy,udas.c Letder othenvisc agtres in writing,whicN con�enc shall not be unrcasonebly withheld.or unless
<br /> 	°:;t     			extenuating circum.gtaua.�, eaist which arr beyond Surtower's canmol. &i+mwer ahall rwt deslroy, damage or impair the
<br />					Property. allow the Property to deteriarate. or commit wasta•on the Property. Bor�wer shall be in defautt if any forfeiture
<br /> �   		�,i::i		actlon ar proceeding,whether civi!or caminal. is begun that�ip�Lend�r s goal faith judqment oould result in forfeiture of the
<br />-{�     				Property or aBerwise materielly i�air the lien crcated by thie S$curky lnstrument Ar Lemter s security interest.Borrower may
<br />,_       				cune such a default a�d reinslAte.as pmvidad in paragraph 18.by causing thB action or pmceeding to be dismissed wilh a ruling
<br />					that, in Lerder's gc�od faith detern�inatian, preetudes forfeiwre of Ihe Bc�nrower's interect in �he Property or other materiel
<br />   		��,��5s,       	i���rain���i uf ihc iini crwia! by in�i� $ccuriiy luxuumcni ur ixmkr'�xcuciiy inierrai. Fiurrower shaii aiso be in ciefswit if
<br />   		l�i� �f' 		Borrower,during the loan application proc�ess,gavc materially ILir�or inacrurrte informalion or s�utements to Lender(or fsiiled
<br />  '     				to provide Lender wilh a�y material information)in rnnne�Kion•with�the lonn ecidencod by the Nae, including,but not limited
<br />'�"�       		p     	to,repr�.ce�lations concerning Borrower's occupancy of 1he Property as a principul residence.lf this Security In.ctrument is on a
<br />'     		;yi��    	leasehold. Horrowet sh111 comply with all the provisians of the lease. !r Borrower acquires fae litle lo �he Prnperty. the
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<br />_       	..    r.:��•�     	Ieasehold and the fec�itle shnll not merge unless Lendcr ngrees to the merger in writing.
<br />-		' r< '`��" 		7.Protectbn of Lender's Rights In the Property.If Borrower fai Is to perPorm Ihe covenants and agreements contained in
<br />   		x`.�`,��-�    	this 5ecurity Instntment. or there is a legul pracceding that nury �igniFcuntly uffect Lender's rights in the Property(such as a
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<br />					proceeding in bankruptcy,probate, for candemnation ur forfeiture or tc,cnforce laws or regulatians),then I.endez mny do and
<br />  	,    ;, �r:;�t��,'.��     	pay for whatever is necessary to protoct the value of the Property mid Lender's rightx in the Propeny. 1.tnder's ac�:o^� may  	_
<br />    		j�t   ,:    	include paying any sums tiecured by a Ifen which hAS priority rne� �his Security Ins�n�men�,appearing in rnurt, paying
<br />, 	y   	•�+.		reaconuble attorney4 fecs and entering on the Property to make repairs. Although l.ender may take action unrler this paragraph
<br />					7.L,ender does not have to dn w.  													_
<br />       	���      		Any amoun�s disbursed by l.ender under this p�ragraph 7 shall becomc addi�ional debt of Borrower secured by this
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<br />		;,�-.t�:�=".;..�;   	Sccurity Instn�ment.Unless Bortawer and Lender agree lo Mher termti uf payment, these s�moun�s shall bear interest from the
<br />	"�    �}=�'��°��'.,- ��.   	dute of disbursement at the Note rate and ahall be payable. with imerest, upon notice irum I.cnder to Borrower requesting
<br />		'"�t�':• .:  `   	�yment.
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<br /> 		-� � , ",   			gage Imurs�nce.If Lender required m�inguge insurance ati u conJition uf making die I�►un sc�ured by this Securit�•  	—
<br />`ti'     		��°    	Instrument. Borrower shnll puy the premiums rcquirrJ �o muintuin Ihe m�inguge intiurunce in effcct. If, Por uny reuson, the  	�
<br />  '	°      . "��  `"}    	mort A e insuronce covera e re uired b Lender la ses or ceuse�to be in ef(ect, &iROwcr shuU     the  remiums r  uired tu  	-°
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<br /> �  -       	'�:1��y'-�   	obtain rnvera e sub�antiall  � urvalem tn thc mun a c insur�nrc  rcv��rosl  in et'fcct, ut u cost wb�lantiull  e urv�lent tn the
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<br />   		j�l��•       	cost to Borrower of the mnrtgnge insurance previously in effcrl, frnm vn altcrnutc m��rtgugc insurer approved by Lender. If
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<br /> 		•,yl�r.:�,;t  `   	subrtantially eyuivulent mortgage insurunce ruverage is n�n availaMe.Bunawcr shull pay u• I.enJer�•rch rtxinth a xum equnl to
<br /> '		.• �+Y?�  .    	onc•twelfth of�he yeurl y murtgugc in�uranre prcmiwn lxing puid by&�rniwer whcn Ihc in�urunrc coverage lopud or ceased to
<br /> 			,       	bc in effect. l.cnder will accept,usc und retuin�heK paynkntti•r, �Icr�  reservc in lieu of mnrtgage insurance. Lass reserve
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