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<br /> S. H�aed er P�ty Ierun�a. Borrower �lull keep the impnovanenti row ezluina or hete�Rer erected on d�e
<br /> PropaKY inwrod yai�ut la� by fir�e, fwsrds iacluded within tM�tem� "exteeded oovery�e"�nd any att�er hwe+ds, iacludlo�
<br /> fiaods or floodln��fw whlch l.onder roquina inwr�t�ae.TUIt inwrinot�b�li be mdntajned fa the�nwurWn u�d for the porindr
<br /> that L,ender roquira. The lnwrmae exr�ier providing the inwr�nce�hatl be cho.en 6y Borrower wbjoct to Lenckr'�approval
<br /> which�11 not be unre�orwbly wi�hheld. If Bormwer fdl�to maintnin cc►vet��e described�bove. Lpder nuy. �t G�det's
<br /> option,abudn coverage to p�uxxt Lender'�r��hts in the Pc�operty in ucordance wlth par�graph 7.
<br /> Ali inwrance policies�nd ��newale shall be eviceptable ta Lender and slWl include a e�andard nwtt�aQe clawe. i.ende�
<br /> �rn_� shall have tho riQht to hold the poli¢ia wnd renew�lc. If Lenrkr requircs.Borrowcr slwll promptly�ive to Lencler all roceipu of
<br /> paid prcmiums and renewAl notices.ln the event of toss.Borrower elWl glve prompt ootice to tho insucnnoe curie�nad Lerrder.
<br /> 3 I.ender m�y make proof of loss lf cat made promptty by Ebrrower.
<br /> Unless Lender and Borrowcr othcrwlse agroe in writing,inwrar►cc pcnceods shrll be applied to restoration or repaic of the
<br /> Property damagod,if the ratoration or repair ia ecoramle�lly feasible wd Lender'a security ic not la�senod.If the ratoratlon or
<br /> repair is not economically feasible or Lendar's security would be lasxned,the inaurance pr0000ds shall be applial to the aum�
<br /> secured by this Security Instrumnt, whether or not then due. with any exoas paid to Borrower. If Borrower ab�rdons the
<br /> � Property,or does not answer within 30 days a notice from Lender that the insurance carrier has offerad to settle a claim, tlxn
<br /> Lender may collect the insurance procoods, l.ender may use the procceds to n,pair or restore the Propetty or to pay sums
<br /> --- secured by thls Security Instrument.whether ar not then due.The 30-day periad will begin when the notia is given. .
<br /> �� �� Unless Lender and Borrower otherwise agree ln writing, any applicat�on of praceals to prjncipat ahall not extet�d or �
<br /> __ —��� postpone the duo date of thc monthty payments j�efcROd to ln paragraphs 1 and 2 ar change the amouru of the peyments. If
<br /> ;'� -- ���e�. — uncier pAragraph'tl the 1'roperty Is acquirod by I.ender,Borrawer's rlght ta any Insurance polteies and proceeda resulting from
<br />,,;�;���, `4RF,: ; dam�ge to the Pmperty prior to the acquisition ahap pass to Lender to thc extent of the wums cecured by thia Suvdty Instrument
<br /> �: ; immediately prior to the acquisition.
<br /> -;i` 6.Oavpancy,Praervatioo� Malnten�nce and Protection of t6e Property;Borrower'�Laan Appllcalloa�I,es�el�olde.
<br /> Borrower shall accupy,establish,ai�d usc the Property as Borrower's principal residence within sixty days after the execudon of
<br /> --- — � this Security Instrument w�d shall continue to oa:upy the Property as Borrower's Frincipal reaidance for at least one year after
<br />-`t the date of occupancy.unleas Lcnder otherwise agrees in wridog,which conscnt shall nat be unrcaso�wbly withheld,or unlecs
<br /> extenuating circumrtances exist which are beyond Borrower'i cantrat. Borrower shall not destroy, d�utw�e or imprir the
<br /> - Property.allow the Propcdy to dcterforrtc, ar commit waste c►n the Ptopetty. Barnawer shxll bc in defaull if any forfeiturc
<br />- actian ar procoodina. whether rivil or c�lmirwl,is bcQun that in Lerxier's good f�ith judgment could result in forfciture of the
<br /> _ Property or cuhcrwl�c matedally impsdr the lien rrcatod by thic Security instrument or Lcndcr's sxurity intercst. Borrowet nwy
<br /> ; cure sueh r def�ult�nd reirut�te,�s providod in puugraph 18,by caucing the action or proceoding to be dismis�with a ruling
<br />�-�� _ __ — that, in Lendcr'r�good faith dctertnination. prxludes forfciture of the Borrow•er's interat in the Property or oth¢r m�tcrlal .
<br /> t � ' impuirmcnt af the licn crcAted by this Security Instrumcnt or lxnder's securlty interest. Borcawer shall also bc in default if
<br /> ' Borrower,during the loan +�pplication pracess,gave materiatly false or inaccurate lnfom�ation or statements to Lender(or fAiled
<br /> �,:y; to provide Lender with uny rcwteri:�l informatiun)in connection with the lonn evidenced by the Note, including,but not Ijmited
<br /> _ � to.rcprexntations conceming Borcower's occupancy af the Property us a principai residence. If thls Security Instrument is on a
<br /> ° ��t�� leasehold, Barrower shall comply with ull the pmvisions of the lease. If Borcower acqulres fce title to the Property. the
<br /> ' L]afA:LJ:F'�.od�a'l19k:�.
<br /> ,;�'��'� ,�' :'.��., Icasehold arxl the fee tide shull twt mcrge unless L.ender agrces to the merger in writing.
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<br /> �:�rs���.�,`�r.u4"i- 7.Protection of Lender's RighG�in the Property.lf Borrower fails to perform the covenants and agreements containod in
<br /> ��`�'-�';�,~ �: .:'.t... thls Secutity Instrument, or there is u Iegal proceeding that may significundy affect Lender's rights in the Property(such as a
<br /> �'��''"'d�" • . proceeding in bankruptcy. probute, for condemnation ar f�rfeiture or to enforce laws or�egulations), then Lender may do and -
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<br /> "� � pay far whatever is nceessary to protcct the value of the Property and Lender's rightF in the Propeny. [.ender's actions mey
<br /> • '-=�` f� • include a jn an sums secured b a lien which has riorit over this Securit Instrument, a rin in court, a in
<br /> , ... P Y b Y • Y ' P Y Y PP� 8 P Y 8
<br /> . . . reasonable attorncys' fees and entering on the Propeny to meke reps►irs. Although Lender may takc action under this puragraph
<br /> ; � � � 7, I.ender dces not have to do so.
<br /> ' �� ."� . Any amounts disbur.ved by I.ender under this paragraph 7 shall become additional debt of Borrower secured by this
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<br /> � Secucity Instniment. Unless Bottower and L.ender agrec to other tern�s of payment, these amounts shall bcar interest from the `
<br /> �• . date of disburscment at the Note rute and shail be payublc, witl� interest, upon notice from l.ender to Bonower requesting
<br /> ,:.Y_:... . ... payment. �..
<br /> " x?� S.Mortgage Insuranee.If Lender reyuired mortgage inwrunce as a condition of making the lo•rn secured by this Security
<br /> -�, ;,,;�•' '��_� Instrument, Sorrower shall pay the premiums required to maintain thc mortgage insurance in effect. [f, for nny reason, the
<br /> , .-. mortgage insurance coverage rcquired by Lender lapscs or ceases to t►e in effect. Bormwer shull puy thc prcmiams required to
<br /> ^.� �� ' � obtuin coveruge substantially equivalent to the mortgagr insursncc previou,r•ly in effect,ut a cost wbstanti•rlly equivalent to the
<br /> _� �' _�:,:� � cost to Borrower uf the mortgage insurunce previously in effect, fr:im un ultemate mortgage insumr npproved by Lender. lf
<br /> -°�._� � ,,. . substantielly equivalent mortgage insurnnce coverage is nut •rvailablr, Bcirrower shall puy to L.ender each month u sum equal to "
<br /> .:';...,.....• one-tweifth of the yea�ly n�ortgage insurance premium txing paid by&�rr��wer when the intiurance coverage lapsed or ceased to
<br /> ' ' �.=Y:,�.'';` .� be in effect.Lender a•ill ac:cept,use und retuin thesc payment.u.ti u Ic�ss rrserve in lieu oF murtgube insur•rnce. Loss reserve
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