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<br /> pedods thu Lender requirci. 71ie insururce carder providin�the insururce�hall be chwen by Borrower subJect to 1.enderS�
<br /> — . appmvd which cluill iwt be tuu�easonably witht�eld. If Bortower fails to m�tinptitt coveraga deserlbed above.Lender ereey.nt
<br /> Lender4�opion,oMaIn coverage to ptotect L.enderh rights in the Propeety In accordance with p�n�raph 7.
<br /> All i»surmce policies and[enewals:hxll be acceptable to l.ender�nd ah�ll lnclude��tandud mortyage cl�we. Lendar
<br /> sh�ll have the right to hold the policiea and c�enewals. If L.ender requirer,Borrower stutll promptly�ive to Lender all roceipW
<br /> of paid premiums and rcnewal notices. In the event af loss,Borrower shxll�ive prompt nodco to the insurancx carrier u�d
<br /> Lender. [.ender may m�lce proof of las lf not made promptly by Borrower.
<br /> :�._.. s � Unlexs Lender uid Bortower otherwise agrce in wridng.incurance proceeds ahall be applied to restoration or repRir of
<br /> -- the Property dAmaged. if the nestoration or npair ic economically feasible and I.ender� cecurity is not lessened. If tha
<br /> ---- restoratian or repair is not economicall�� feasible or Lender�s security would be Iesaened,the insurance proceeds sh�tll be
<br /> applicd ro the sums secur+ed by this Secur�ty Insuument, whether or not then due, wtth any excess paid to Borrower. If
<br /> " Borrower ubandona the Prnperty.or does not answer wIthin 30 d�ys a notice from L.cnder that the insuranc+e caRior h�►s
<br /> __ _ offered ro renle a cleim,then Lender may collect the insurancc procads. Lender may use the procceds to rcpair or restore
<br /> the Property or to pay sums cxured by this Sccuriry Instrument,whether or not then due. The 30-day period w!U begin when
<br /> —.___�__._,_ thenoticc is glvcn.
<br /> — Unless Lender attd Borrower otherwise agree in wridng, any applicatton of proceeds to principal shafl r�d exten.i or
<br /> - postpone the duc dau of the monthly payments refcmed to in paragrnphs l and 2 or chunge the artwunt of the p�yments. If
<br /> under paragraph 21 the PropeRy is acquircd by Lender.Borrowcr's right to any tnsurance policies and proceeds resulting
<br /> ---- _— from damage to the Property prior to the acquisiNon chall pass to Lender to the extent of the sums secured by this Security
<br /> lnsdvment immediately pRor to the acquisition.
<br /> -- - 6. OccupAncy, Prr..4rvat4oa, Malntcnance and Protectbn of the Property; Barrower's Loan Appikation;
<br />---- I.easeholds. Borcower shall occupy.establish,aad use the Properry as Bomowerk principal residence within sixty days after
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<br />-,;; - „,r=��. the execution of this Securiry Instrument and shall continue to cecupy the Prppecry as Borrower�principal residence for at
<br /> ���'''" least onc ycar after thc date of accupancy, unless Lender othenvlse agmes in wriung, which consent shall not be
<br /> unreasonably wlthheld.or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not
<br /> r� '�:����;�� destroy,damage or impair the Praperty,allow the PropeRy to deteriorate,or commit waste on the Property. Borrower shall
<br /> �> � �,+; I be in default if any forfeiture action or proceeding,whether civil or criminal,is begun that in Lender's good faith judgment
<br /> ' _ �,;k�:t' could result in farfeiturc of the Properry or otherwise materialty impair the lien created by thts Security lnstrument or
<br /> Lendert security interest. Borrower may cure such a defuutt and ninstate,us provided in paragraph l8.by causing the actfon
<br /> . or proceeding to be dismissed with a ruling that.in Lender�s good faith determinatian,precludes forfeitune of the Bocrower's
<br />- interest in the Praperty or other matcsrial impairment of the lien crcated by this Securiry Instrument or Lender's secudty
<br /> •���; interest. Borrower shall also be In default if Borrowcr, during thc loan npplication process, gave muterially falsc or
<br /> -_ inaccurate informatIon or statements to Lender(or faUed tu provide Lender with any muterial information)in connection wlth
<br />- . •f the loan evidenced by the Note. including, but not limited to, representutions concerning Borrower's occupancy of the
<br /> �"'�%• Property as a princlpal residence. if this Security Instrument is on a leasehold,Borrower shall comply with s►11 the provisions
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<br /> ;:�n!r�.jYr�;��r��► ot the lease. If kiorrower acquires fee title to the P�qperty,the leasehold and ihe fee titta shall not merge unless Lender agroes
<br /> " ts K,���`:�::,'. tothemergertnwriting.
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<br /> � '� 7. Protectbn of Lender's Rights in the Property. If Borrower fails to pedorm the covenunts and agmrements
<br /> �' , �``,s�,xr�*;;��%�-''' contained in this Securiry Instrument, or there is a legal proceeding thut may significantly affect L.ender's rights in the
<br /> :/��:';-�*�"•'?<"4��� Property(such as a proceeding in bankruptcy,probate,for condemnution or forfeiture or to enforce laws or regutations),then
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<br /> .,,s;��•..,:�•�;r�c . � Lender may do and pay for whatever is necessury to protect the value of the Property and Lender's rights in the Propecty.
<br /> - w,'_..:•�',"t•'s• •'� Lender's nctions mn include tn un sums secured b a lien which has riorit over this Securit Instrument,a arin
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<br /> u;�:,,;��;:-,,,-t f��,i� . � in coun,paying reasonuble attorneys'fees and entering on the Property to mnke repnirs.Although Lender may take action
<br />- .�.Ti�•= : . ;:,_,;�,,:-j under this puragraph 7,Lendr.r dces not have to do so.
<br /> •• .,�;.•4.;,;4,;�;::,•�>s:r�,, Any umounts di.r•bursed by Lender under this pazagroph 7 rhall become additional debt of Borrower secured by this
<br /> ___ �c9:,,-�;::•;;•.;;.;,,.:"'� Sccuriry Instcument. Unles.Borrower:►nd Lender egrec w other tcrms of puyment,these amounts shult bcar intemst from the
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<br /> -- ;�",�, �,��:��,*�;•,,•�.<�.�� date of dixbunement at the Note rate und shaU be payable,with interest, upon notico from Lender to Borrower requesting
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<br /> ,;�,�,,;�, r.._�. . Payment.
<br /> .;;;�.�,,••• 8. Murtgage Insurance. If Lender myuired mortgage insurance a.a condition of muking the loan secured by this
<br /> � »<:�-•� :°;it"•. ' Security Instrument, Borrower shuU pay the premiums rcyuimd to maintuin the mortgage insurance in effect. [f, for any
<br /> ' ��•y,-> :�:%g;r�:� � reason, the mongage insur�ance coverage reyuircd by Lender tapseti or ceuses to be in effect, Borrower shall pay the
<br />_ _;:���:,. '.:•:�:;:;i���;` premiums required to obtain coverage substantially equivalent to the mortga€e insurance previously in effect, at a cost
<br /> `� � `"`��f' : substantiap urvalent ro the coct ta BoROwer uf the mort a e insurance reviousl �n eftect,from an altemate mort a e
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<br /> insurer upproved by Lender. If substantially cyuivalent mortgage insur�nre caverage is not:�vuilable, Borrower shuil pay ta
<br /> •+�'��-�•'-- - Lender each month a sum eyual to one-twelfth of the yearly mortgage insurance premium being puid by Borrower when the
<br /> ' �� insurance rnverage lapsed or ceased to be in effect. Lt:nder wiq accept,use und retain these puyments us a loss reserve in lieu
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<br /> �,;v_::�,- , of mortgage insurancc. Loss reserve payments muy no longer bc rcquired,at the option of Lender, if mortgagc insurance
<br /> coverage(in the amount and for the period that Lender requires)provided by an insurer approved by Lender again becomes
<br /> �"'�'�•'- �' ' avuilable und is obtained.Borrower shaU pay the premiums rcyuircd to muintain mortgage inxurance in effect,or to provide a
<br /> .-::� , : .�:=:`':�.�. loss reserve,until the requirement for mortgage insurance ends in•rccord;uue with any written ubreement between Borrower
<br /> L' ,}�' ;,� and Lender or applicuble law.
<br /> " • 9. Inspection. Lender or its agent muy makc reasnnublc entries upon and inspections of the Propcny. Lender sh�if
<br /> - �ive Borrower notice at the time of or prior to an inspection specifying reawnahle cause for the inspe:ction.
<br />_.--� 10. Condemtwtion. The proceeds of any uwurd or claim for damuges,direct ar consequential,in connection with any
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