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<br /> �. Ha�rd ar li+op�rty Iwrra�a. Botrower �hdl I�ap tba improvanenu now exladn� a�� oa tb
<br /> PruQertY inwred a�aina loss by C ro. b�ud�iacluded within the tetm "tacraaded aovae�e" �ad any atber har�da,includia�
<br /> _ ftaod�ar 8oadi�,fot wd{ch Lcstida rqu�r.:itrr�sr•srta,Th!s iens:tarxe�hal1 be�s�elnulaa!4n�tr e�ma and f.+r�he ;�1�
<br /> th�t l,ender roquira. The Imucanoe rarrier pmvWit� tk inwrmce �f�ll be choea�by Borrower wbject to I.ader'�Rpprav�l
<br /> _ whlch�II not bc unrcaan�bly withheld. If Borrownr fi�ilw w maira�in a�vax�e dacribed above, I.ender rny. �t L.wder'�
<br /> option,obu�ln oovenge to protoct Lencler's ri�hts in the Pn�perty in�cco�dAncY wfth prry�nph 7.
<br /> All inwranoo polkia and oeaewd: stw!! be�aruble t�l.ender�rd �hall include a wndard mon�e ciswe. l.erider
<br />_ :twll have tho ri�ht to hoW the policia�wd rcnewals. if Lender rcquires.Borrow�r xhall promptly�ive to i.ader�11 reoeipts of
<br /> . _��� _-=� pald prcmiums a�d rcnewd notkxs.in the evau of lost,9orrower sh�ll give pt+wnpt notla w the iawru�oe aRier and L.a�cler.
<br /> L.ender rrwy make proof of toss if not mrde promptly by Borrower.
<br /> Unicca Lender end Bo�rowcr otherwise agrce in wdting,inauranx pcovoods shall be applied to ratoration ar rep�ir af the
<br /> Propony dama$od,if the rcscor�tion or rcpair is eoonc�mialty fwsibie ud lxnder's security is not lasened. If the t�estoration or
<br /> — r�epair is rat a:�xMmicaUy feasibk or Lendu's�cudty would be lessened.the irwirano�proceods fhall be tpplied w the aum�
<br /> secured by this Socudty Inst�tune�u, whetlKr or nat then due. with �ny exaas paid to Borrower. If Borrowu ab+ndoru the
<br /> Pcoperty.or does not u�swcr wlthin 30 duys a notice from Lender th�t the inwrance c�rrier has offerod w settk a cWm,thert
<br /> Lender may collect the inwxwxe proceeds. Lender m�y use the proceeds to repair or restorc the Property or w pay wrn
<br /> tecurod by thin Sac�riry Inscrtunent,whether or not then due.The 30-d�y period will begin when the noticx is given.
<br /> -- Unlers l.e�dor and Borrower otherwise agroe in writing. any application of pr0000ds to principnl s}wll not eatead or
<br /> postpone tha dua�date of tlw monthiy paymrnts referred to in paragraphs ! and 2 or change the amount of the ptyments. If
<br /> under pangraph 21 tha Pra�rty is�oquiced by Lender,Borrower's right to any insurance policia and procaoda rawltLt�g fron►
<br /> — — dam�ge to the Prcy�rry prlor m the�oquiration shall pass to Lender to the eztent of the wms cecu�+ed by this Socurity Im�trumetti
<br />:, jmnxdiatoly prior ta thc ocquisition.
<br /> . 6.Occup�ncy�Proseryatfon,Matntenaace and Protedlon ot tbe Property;&trrower's l.aau Applkattou4 I.�Wt.
<br /> $orrower shull uccupy.e.stabUsh.and us:.the Propecty as Borrower's principal residence within sixty days aRer thc�xxutlon of
<br /> this Security Ingtr�wnent �url sl�ll wntinue to oocupy the Property as Borrower's p�incipal raidenoe for st last one yeac nfta'
<br /> — the date of occu�►ncy,unl�s Lender otherwise agras in wridng,which consent shaU not 6e unrrasonably witt�held.or unkss
<br />=� extenuating circurn�tana.�s enist which are beyond Bomnwer's control. Borrower shail not destmy, danwge or impo�ir the
<br /> - Property, allow tlxs Pralxrty to det�rioratc,or comtnit waste on the Property. Borrower shall be!n default If any forfdturo
<br />__ — action or proceexiing,wtu�ther civil or crimirwl,is begun that in Lender's good faith judgnxnt cauld result in forfeiturc of the
<br /> Property or w}wrwise materiaily impair the lien cmated by thia Security Instrument or Lender's security intercst.Borrowar m�y
<br /> - =- ___ cur�e such n defauft cu�d minstate.as provided in paragt�ph t8,by causing the action or prnceading to be dismissod with a ntlin�
<br /> '�- - that. in Lendcr's good•faith determination. Qrocludes forfeiture of the Borrower's interest in Nx Propetty or ottKr rnoteri�l
<br />'�`. I� impaimicnt of tl►u lien crcated by this Socurity Instrument or Lender's securlty intercst. Borrower sMall also be in tkfau�t if
<br /> Borrower,during tlw:loqn application process,gave matcrially false or inaccurate jnforn�ation or statements to Lender(or failod
<br /> �= to providc Lcndcr with any material infomiation)in connection with the loan evidenoed by the Nou,includi�,but not limitoal
<br />�_ � �':�� to,represenWtiana ecmcarning Borrower's accupancy of the Propetty as a principal residenee.If this Security Instivment is on a
<br /> leasehold, Burrawer shnli comply with all the provisions of the lease. If Borrawer acquires fa tide to the Proparty, the
<br />- * +��"-'��' 1ra�huld.�i„'u`R tte title shall not merge unless Lender agrees ta the mcrger in writing.
<br />• ''�.�e �;:,�� 7.Prokrtio+t o[I.ender's Rights!n the Property.If Qorrower fails to perform the covenants and agroements aontaIned in
<br /> �',,�.:��.:..�`.
<br /> .;,;T ,� ., this Securiry Invtrument, or therc is a Icgal proceeding that mxy significantly affect Lender's rights in the Property(wch ss a
<br /> ' ;• � pr�ing in bnnkivEwcy,probate,tor condemnation ar forfeiturc or to enforce laws ar regulations).then Lender may do and
<br /> ^�•<., , `.
<br />=,� �,1 y pay for whate�er is nr,�:eswry to protect the value of the Property and Lender's righu in the Property. Lender's actbna may
<br /> � j•n�•� include puyinB any sums secured by a lien which h�s priority over this Sacurity Instrnment, appearing in c�wrt, paying
<br /> � .; ••����� rpson�ble attornays'fres and en�ering on the Propeny ro make rcpairs. Although L.endcr may take xtion wder thi9 para�rsph
<br /> '�"�•'.< ' • :� • 7,L.endcr docs not huvc to do so.
<br />- :� Any amountx disbursed by [.ender under this puugraph 7 shall become additional debt of Borrower securcd by this
<br /> •��'� Securiry Instrum�:nt. Un(cu Born�wcr and I.�:nder agree to athcr tcrms of paymen�,these amounts shall bear interest from the
<br /> '��:N �••�-•�•- d�te of disiwrsemont ut the Note rrte and shall be puyable, with interest, upon notice from L.ender to Borrower rcqwxting
<br /> . :�.. ��_,. Payment.
<br /> 8.111artgaga[tawrunce.If L.e�xicr reyuircd mortgrge insuamce as a condition of making the!oan secuttd by this Sexuriry
<br /> ,� �: ;i`," Instrument, Burroukr shull pay the premiums required to maintain the mortgage insurance in effect If, for any mson, the
<br /> : ��:- • mortgyge insurat►oo cover�ge rcquired by Leixier tup.ser��r ce:►ses to be in effect, Bor�ower shall pay the premiun�.s rcquirod to
<br /> -.��•;�;. � obtAin covrn�o sub�tuntially cyuivulent to the mnrtgc�ge insurunce pre��iously in effect,at u�Y�t substanti;►Ity equivulent to the
<br />--'� ""; cost to Borrower aC the mortgage insurancc previiwsly in effect,from an alternate mottgage insurer approved by Lender. If
<br /> � `��•='� �• substnntiuily equiv�lent mortg•rge insurunrc coveruge is not uvai�able.Burrowcr st�all pay to I.ender each month a sum eyual to
<br /> �'� ��"•�� one-twelfth of thc� earl mort u � insursnre n:mium bein• aid b Borruwer when the insurancc covera e la orceasod to
<br /> Y Y S S' P b P Y B P�
<br /> ' ' �� ' be in effect. L.endor will u�;cept,use und mtuin these p:�ymem�:►s a loss rescrve in licu of mortguge insurance. Loss reserve
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