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<br /> S. N�a�+�ae le�opeity L�wn�oe. Borrower cltalt kea�f the improvemeot� row193 t� ar here�ttat erected on the
<br /> Propetty inwrod�airw lo�by f7rc.hazards irnluded within the term "oztended coveraae" u�d any othc�huard�. includina
<br /> floods ar fladin�� for which Larkr roquhes inwrar�ce. This insurnnce uhill be m�lntainec! in the amounts and tor the perlod�
<br /> -� th�t l.end�r roquirn. The inwrar�ce arrier providing the inswru�oe�hall be choren by 8orrower�uojc,�t tu L�'�'s apprava!
<br /> which �ll rot be unrcawrwbly withheld. lf 6ornower f�ils to mointaln covera�r dercribed�bova, Lender m�y,at L.erder'�
<br /> option,obtain eoverYQe to prota,�t Le�der'c ri�hts in the PropeKy in accordance wlth pangrrph 7.
<br /> All insurance pAlicies and renewals shrll be acceptobie to i.ender and slutll include x aundard mc�ng�ge claure. I.ender
<br /> shall Iwvc dx ri�ht to Fw�d ihe palicia and rcr+ewal�.If I.ender roquins. Borrower stWl promplly�ive to Leixier all reoeipts of
<br /> --'�-'-'��—� p�id prcmiums and renew+d notic�r+►. [n d�e event uf luw. Borrower stwll�tve proinpt nWlce to the inwrancc catriu and Lender.
<br /> " — L,axkr msy molce proof of las if not mrde prompdy by Borrower.
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<br /> Unless Lende��nd l3orrower otherwlse agrce in writing, insurarce procoods sitwll be t�pplitxt tu rcituntiiun ur rr.p�u��
<br /> Property dartu�ed,if the restoration or r�epair is oconomjcally fwsible and Lender's socurity is rat leasened. If the re,�to�tfon or
<br /> rcp�ir is rwt xaiomic++lly feasible or Lender's security would be lessenai.the insurance pmcoodi shxll bc appliod to thc sums
<br /> socured by this Sa�urity Instrument. whether or not then due, with any excess paid to Borrower. If Horrower abandons the
<br /> Property. or daea not smswer within 30 days a iwtice from Lender tt�t the inaurance carritr hss ottered to settle a clalm. then
<br /> Lcnder may collect the insuru�ce proceeds. L.ender may uce the proceods to rep�r or restore the Property or to pay sums
<br /> securod by this Security Instrument,whcther or not ehen due.The 30-day per�od will bcgin when the notice is given.
<br /> '—�' Unless Lendrr and Borrower otherwise agree in writing, any application of proceeds to principal shAll not extud or
<br /> _ - -- postpone the due dato of the monthly payments refemod to jn paragrephs 1 and 2 ar changc the anwunt of the paymrnts. If
<br /> . under para�raph 21 the Yroperty is acquirad by Let�der. Borrower's right to any insurance policies and p�+ooecds resulting from
<br /> damage to the Properry Prior w the acqui�ition sball pass w Lender to the extent of the wmr socurod by this Socurity Instrument
<br /> �+:. immediately prior to the acquisition.
<br /> _ � ` 6.Occupvncy.Preservatba,Mainten�utce and tk�otection of tbe I'roperty;Borrower's I.oan Applkation;Leaseholds.
<br /> ' '`.;��'���_�• Borrower shall occupy,establish,and use the Propetty as Borrower's principal residence wtthln sixty duys after the execution of
<br />• this Securiry Instrument and shall continue W occupy the Property as Bormwer's principal reaidence for at teuu one year after
<br /> � ;���� " Y the date of occupancy, unless I.ender otherwise egrees in writing.which consent shall not be unreasonably withheld. or unless
<br /> ,��,:.�: extenuating circumstances exist which are beyond Bonower's control. Borrower shall not destroy. datnage or lmpair the
<br /> ;�..,•: ,��,��,._ `',...,•• Property, allow the Property to deteriorato,or commit waste on the Property. Borrower shail bc in default if any fodeiture
<br /> •' �`` • action or proceeding,whether clvil or criminal.is begun that in Lender's gaod faith judgment could rcsult in forfeiture of the
<br />_ � .. • .. Property or othervvise materially impair the lien created by this Securiry[nstrument or Lender's socurity interest.Borrower may
<br /> �`..: �_ : cure such a defauit and rein�tate,as provided in paragraph 1S.by causing the action or pracending to be dismissad with a ruling
<br /> _;,.;;�,,�;�,�� that. in l.ender's good iaith detcrmination, precludes forfeiture of the Borrower's interest in the Property or other mater�al
<br /> • ' impairment of the licn created by this Security Instrument or l.ender's security interest. Borrowcr shaii aiso t�c in dafauit if
<br /> Borrower,during the loan application process,gave materially false or inaccurate informatIon or statementc to Lender(or failed
<br /> to provide I.ender with a�iy material inforniatian)in connection with the loan evidenced by the Note,including,but not limited
<br /> . to, reprcsentations concerning Borrower's occupancy of the Propecty as u principal residence. If this Security Instrument is on a
<br /> Icasehold, Borrower shall comply with all the provisions ot thc Icase. If Barrowcr acquires fee titic to the Propeny, ihe
<br /> leatiehold and thc fce tiNr�hall not mcrge unless Lender agrees to the mergcr in writing.
<br /> - 7.Proteetion ot l.ender's Rights in the Prnpertv. If Bonower fails to perform the covenants and asreetnents contained in
<br /> r this Security(nstrunxnt, or there is a Icgal proceeding that may significantly affect L.ender's rights in the Property(such as a _
<br /> procoeding in bankruptcy, probute, fur condemnation or forfciture or to enforce laws or regulations), then C.ender may do�nd
<br /> � pay far whatever is necesu►ry to protect the value of the Property and Lender's rights in the Property. Lender's actions may
<br /> � include paying any sums .re�:urcd by u lien which has priority over this Security Instrument, appearing in court, payins
<br /> resiwnabic attorncys'fces und cntcring on the Propeny to make rcpain. Although Lender muy tuke actjon undcr this paragraph
<br /> 7,l.ender does not huvc to do so.
<br /> Any amountti disbursed by I.erxier wxier this par•rgraph 7 ,h•rll becume additional debt of Borrower sccured by this
<br /> Security Instrunxnt. Unless Borrowcr and L.endcr agrce w other terms of payment, the,e umownti�hull brar interest from the
<br /> date of disbursement at the Note rute :�nd sh:tll be payublc, with interest, upon notice from I.ender to Borrower cequesting
<br />_ payment.
<br /> „ � 8.MortRs�ge[nsurance.If[.e�nder rryuirecl mortgage insurancr a�u cu�xlition uf�naking the loan secured by this Security
<br /> -• Instrun�ent, Borrower shall pay the premium. reyuircd to m;►intuin the miirtgage insurancr in effect. If, for uny reason. the
<br /> � ' mortgage insur.uice wverrge required by l.ender lapses or ceu.e+to be in effect, Borr�►wer shull pay the premiums required to
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<br /> „ y��"` obtain coveru �substantiall e uivulcnt to the mort�u�c intiurence revinusl m effect,at a cost substuntiull e uivalent tv the
<br /> � ' . wst to Borrower uf the mortgage in�urance pre�•iously in effcct. from an ulternate mortgage insurer appmvcd by I.ender. If
<br /> • substantially eyuivulcnt moregugr insurancr roverage is nat availuble,Borcuwer shrll pay ta Lender each month a sum equal to
<br /> one-twelfth of thc ycarly monguge insurance premium bcinb paid by Bc�rrower when the in�urance cover:�ge lapsed or ceayed to
<br /> � •� •• be in effect.Lender will arcept, use and retain these payments as a loss reserve in lieu uf mortgage insurance. Lnss reserve
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