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<br /> 4.Flre, Ftoad wnd plher 19�zwrd In�iu�ancs. Burrawer sholl ingure ull improvementF an tha Pn�erty, whcthcr�u+w in
<br /> exiRtenco or subsoquently ercrted.+�Afnel ony haaardx,cnsuoltiex, and contingencies, inrluding fire, fi�r which I.ender requirea
<br /> in�wrA�ce. Thi� inxun�nce rhwll be nwinwitia! in the unuwnta und fur the perials thA� l.en�ler requi�u�. Horrower Rhull ulr�►
<br /> invuro all impmvements on the Pmperty,whethcr naw in eziatenc�or s:ubseyuendy erecled, uguin�t lo,s by Ilax1��a�Ix:ex�ent
<br /> roquired by the Secrctory. All insun�nce+�hall be carried with companieti upproved hy l.cixier.The inwrunre�x�licie.u�l+u�y
<br /> renew�la shall be held by Leoder And cFwll include lossti payeble clause�in tuvor af.and in u 1'nrn��uceptuble ta.l.cn�ter.
<br /> - �-T � �- - _� In the evcnt uP losuti. Burrowcr shLll glve L.ea�der immediate notice by m;,il. Lcnder mny make pr�w,f of lovti if not mmle
<br /> - promptly by Borrawer. Each insurw�ce compuny�roncernod ia hereby AuthariuKl und di�ected to make payment for such loxw
<br /> -- ---- diroctly ta I.ender, inatcud of to Borrower und to Lender jointly. All or uny pnrt of the insurnnGC paxceJs may l�e applie�by
<br /> I.ender,at i�e�aptian, either�u)�o tha reduction of the indebtedness under the Nute ond thia Security Instrument, tirst �o any
<br /> � � delinquent urnounis appliai in the order in pnragrnph 3, and then to prepayment of p�incipul,or(b)to the restaruti�m or repuir
<br /> — of the damaged Property. Any applicadan of the praceeda to the principal sh�ll not Pxtend or pastp�me the due dule of'the
<br /> —•°- �-° -- manthly payments which are referred to in purugruph 1,or change 1he amount of such payments. Any exre+s in�urance pracevds
<br /> —� over an anxwnt required ro pay all autstanding indebtedness under the Note end this Secu�ity Inslrument shall be ps�id W the
<br /> ��.�� eatEty IeQally entitled thercta.
<br /> � °='_"`��►��! In the event of fareciosure oi this Security Instrume�t ar other transfer oi title to the Prapeny thAt extinguishes the
<br />-=�=�^ _ indebtedness.all riQht.title�nd intercsl of Borrower in and to insu�ance policies in force shull puss to the purchaser.
<br /> S. Uocapancy, Pre.serveNon, 1NpiMenance and Protectb� af the PrupeMy; Borrower's Lopn AppBcatian;
<br /> `'' I,easd�olds. Borrawer shall occu .eslablish. and use the Properry as Bonower'g principnl residence within sixty days ufler -
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<br /> • A`:••�.�-.�.°4'��.%�� the execution of this Security Instniment and sh�►II continue to cecupy the Propert��as Bortower's principal residence far at least
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<br /> ti�••_: r ��s',�� one yeu afier the dnte of accupuncy, unless the Secretary determines this requirement wili cause undue hardship far Borrawer,
<br /> ��''K�`'�"'i ar unless eatenuating circumstances exist which arc beyond BoRawer's rnntrol. Borrower shall notify Lenders of uny
<br /> x �y extetwating circumstances. Bonower shall not cammit waste or destroy,danwge or subswntially chnnge the Prupeny or allow
<br /> .� ' •;��.•,,�;u �', the property to deter�arate. reasonable wear ond tear excepted. [.ender may inspect the Property if the Propeny is vACant or
<br /> ,s••"•' abandaned or the loan is in default. L.ender mny take reasonable uctian to pratect and pneserve such vacant or abandoned
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<br /> „s�_:,�� property. Borrower shall also he in default if Borcower.during the loan applic�tian process.gave materia l ly f a lse or inaccurate
<br /> infornution or slatements to I.ender(or fuiled to provide Lc�nder with any muteriel inPormutinn) in connectiun with the laan �.
<br /> —��{ '"`'���" ri evidenced by the Note,including. but nc�t limited to, representntions conceming Bonower's occupuncy of the Propeny us a
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<br /> „ F�:,�s.•;:,.^�F:�...�,^_ .:. prineipai residence. ii i�iis Securiiy in�irumcid ia u��a ie�iwlJ. 8orrower shafi coroply LY�tIi tI1C �f81'ISIOii^a of thc lea.se. If
<br /> - :,;;t.V�. ••:�.: :.�„ •' eorrower acquir�fee dtle ta Ihc Property. the leasehold m�d fee tille shnll not be merged unless l.endcr agrees ta the merger in
<br /> , writing.
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<br /> �: ��.:.��� 6.C6arg�to Borrnwer and Prolection ot I.ende�'s Ri�hts in the Properly. Borrower shall pAy nll governmental or
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<br /> ����� � �;r�Y:.��� • •�,.�x;' municipal charges, finec und impositiona thut are not included in paragr�ph 2. Borrower xhall puy these obligations on time
<br /> .-,"' . ,:,�i. ,.),.•_�'_�; :.,'j'.;i_; _
<br /> (y�,, � �- directly to the entity which iz owed the payment. If fnilure ai pay wauld adversely affect l.endcr's interest in the Property.upon
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<br /> .;,,,..� .�r,,,_.:...:.• � Lender's t+equest BoROwer shall prompUy fumish to L.ender receipts evidencing these pnyments.
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<br /> -- �'�"`•�"�`;'•� If Borrower fuils to muke thesc paymen�x or�he paymenGc required by puragraph 2,or fails to perParm uny other covensints
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<br /> y. t.�� ,;.,,,:��;'�" and u reements contained in this Sccurit Instrun�ent,ur thcre is u Ic ul roceaiin that mu si nificand affect L.ender's ri hts
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<br /> `i� � � � ��':? in the Pmperty(such as a praceoding in bs�nkruptcy, far condemnalion or w enforce luws or rcgulutions).then l.ender may do
<br /> `�`'''i4` Y��`� and u whntever is necessa to rotect the vs�lue of Ihe Pro rt und Lendcr'x ri hts in the Pra rt , includin a ment of
<br />.d4 ,` t;i-.+;:, ��a"r,�+*... P Y 4' P pe Y � Pe Y B p Y
<br /> c . -� �,..; 1�ces.hazerd insurance and other items mentioned in paragmph 2.
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<br /> �' �;t" �''`':{!`' Any Amounts disbursed by L.enJcr undcr this parugr•rph shnll Ge�ome an additional dcbt of Borrawer und be secured by
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<br /> ' �:�;� �� •• ', this Security Instrumen�. These umoums shull beur interest from thc dute uf disbunement,vt the Nate rate,und at the nption of
<br /> " :�"'�"'z•''.`. .�'. 1,ender,shull be immediately duc and puyublc.
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<br /> - "'`���� `' ' 7. Condemnutlon. The proreals of nny vwnrd or cluim for dumuges, direct ur conseyuential, in c�mnec�ion with any -
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<br /> ' ''i� ��4-. condemn�tion or other taking of uny pan of�he Properly,or fur conveyunce in pl•rce of conJemnution,uro hereby assigned and
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<br /> ..�.��f;�„. shall be paid to I.ender to the extcnt of the full umount of�he indebtedncss thut remnins unpaid under the Note und this Security
<br /> `�"�!:• '-� lnstrument. l.ender shull apply wch praceeds tu thc rcducti�n of�he indebtedness under thc Natc und this Security Instrument,
<br /> `�='�,'ie��::a„�� Brst to uny delinquent amounts upplicd in the order pruvided in parugraph 3, und then ta prcpayment of principal. Any
<br /> ��� �r.�c�y�,.at�,.;•:�•.: applicntion of the praceeds to the principal shall not ex�end or poatpone the due date of the monthly payme�xs, which ure
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