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<br /> S. �I�rard ar Properly fa�urance. Sorrower �hall keep tde improvements nc►vV'b���rcafter erocted on the
<br /> Property inwrcd �inu laa by Grc,hwrda included within the tertn 'extuKla! wvera�a' Wxl W�y uthcr Iwr�u�ds, includln�
<br /> tlaal�or flooding,for whk;h L.enckr[oquires inwtuwt. Thfs inwranoc�iuul be m�inwitwJ in tf��nwuntc axf for the period�
<br /> th�t I.a�der r�equires. Thc i�uunu�ce curier pmvidin� the inw�nce�11 be cho�en hy Dorn►wcr wbjaK tu Lendcr'c rppmvai
<br /> whlch tlull not be unrea�wiwbly withheld. If Eiarmwer f�il.a�nwlnWin awerrgr Jckrit�l rbuvc, Lo�uler mry, �t Lender'i
<br /> option,obtain coveraye to pmtoct Lender'6 righic in the Pmpchy in�curd�ncc with Ewrygr�ph 7.
<br /> All insuruioe paliciey and renewds chatl bc acrept�blc to Lcnder and etwll itxiwk�xpuwl�uJ nwn�+y�c clau�e. l.cnder
<br /> slwll have the r�QM to hold the policier and renewzlx. If L.�x1cr rcquircr,Bc�rn�wcr,hxll pronyxly�tive tu l.ernler�ll raclpt�of
<br /> --�—= — —� pnid prcmlums And nencw�l notias.In the evcnt of loss,Horrower rhali�ive prompt�wt�cC to the inwmuc carrlcr ynd Leoder.
<br /> - Lxndtr may m�ke proof of loss if nat mAde promptly by Banuwer.
<br /> Unless l.ender and Borrower athervvise agree in wrfting,insurancc proceals�hall be+��liad to rc�tor�tion or repxjr of the
<br /> Pmperty datn�ged,if the rcuoratian or reprir is eronoM�lly fcasible wx!Lender'a�ocurity i��x,t t�xned.li thc rcstoratian or
<br /> rcpair fs not cconomically feasibic or l.cnder's security would be lessencd,the insurance prcxads shull be Ypplial to the wma
<br /> , secared by this Security Instrument, whether or not then due, with any ezcess prid lu Barrawer. If Bomnwe�abandanx the
<br /> -��� _��� Propeny,or does not�uuwer within 30 days a notice from Lender that the insur�nce currier has offend co settle x ciaim,then
<br /> Lender may a►Iloct the insurance ptoceeds. Lender mry use the proceeds ta rcpair or restore the Property or to pay sums
<br /> secured by thls Sccurity Instrument,whethcr or�xu then due.The 30-d:►y period will bcgin when the notice is given.
<br /> Unless I.ender and Bormwer otherwise agree in wdting, any applicatian of pmceods to princip:�l shall �wt extend or
<br /> postpone the due datc of the monthly paymenu refcerod to in paragraphs l and 2 or changc thc untount of the paymcnts. If
<br /> under paragraph 21 tlx Propeny is acyuircd by Lcnder, Barrowcr's right to any insunuuc policics and procceds resulting from
<br /> _ _ darrwge to the Propecty priar ta the xquisition shall pass to l.ender to the extent af the sums securod by this Security lnstrument
<br /> li ' immodiately priar ro the acquisition.
<br /> 6.Occupu�cy,E'meACrvaUoq.Maintenance and Protoction of tbe Property; Bomower's Lo�n Applkation; l.easeholds.
<br /> ..�.;_ ` Borrower shall occupy,establish,and use the Property as Borrower's principal rcsidence within sixty days after the execution of
<br /> this Socurity Instrument and shall cantinue to occupy the Propeny as Bonower's principal rcsidence for ut Ieust one year after
<br /> the date of occupancy,unless Lender othenvise a�roes in writing, which consent shall not t►e unreasonably wi[hheld,c�r unless
<br /> • extenuatiag cireumstances exist which are beyond Borrower's contral. Borruwer shall not destroy, damage or impair ttx
<br /> Pruperty,allow the Property to dcteriorate, ar commit waste on the Property. Borcawer shall be in default if siny forfciturc
<br /> _ action or proweding. whether civil or crimir�al,is begun that in Lender's gcwd faith judgment could result in forfeitur+e af the
<br />`�'-� Property or otherwise materially impair the lien created by this Securiry Instrument or I.ender's security intercst.Borrower may
<br /> , � ;.` cure such a defautt and reinstate,as provided in paragr�ph 18,by causing the action or procecding to be dismissed with a ruling
<br /> _ d`ereiiaur�n,f���� that. in Lender's good faith detertnination, precludes forfeiture ot' thc Barrower's interest in che Property or cuher muteriul -
<br /> " •';�"�xi4?�-r�L•'�•: impairtnent of the lien created by this Security Instrument or Lender's security intemst. Borrower shall also 6e in default if
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<br /> ���tr.�.o: Borrower.during the loan application process.gave�naterially fulse or inaccurate infarmation ar statements to I.ender lor failed
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<br /> to provide L.ender with any matcrial infor►nation) in conncctian with the loan evidenwd by the Note, including,but not limited
<br /> ;;,.. �y ' IO,repcesentatians cancemins Borrower's cecupincy af the Praperty ac a principal residenre. !f this Security Instrument is on a 4
<br /> ��r,•. . .t,.'•;: �• leasehold. Borrower shall comply with all the pmvisions of the Ie:��e. If Borrower acquires fee title to the Property, the
<br /> ��%� .°;-°.�=� '� Irxsehold and the fee titic shull not merge unless L.endcr agRes ta the me��cr in writing.
<br /> �. .��,`, ' 7.i'rotection of I.ender's Rights in the Propect�. If Borc�wer fails to perform the covenants;u�d agmements wntuined in
<br /> � � • this Sccurity Instrument, or there is a legal procealing that n�ay significantly affect Lender'ti rights in the Property(such as a
<br /> -r ,. procecding in bankruptcy,pmbatc, for condemnauion nr forfeiturc or to enforcc lawx or regulationti►, then Lcrnicr may do and
<br /> t�� "` � � for whatever is necessu to nitect the valuc of the Pro rt rncl Lsnder i ri htti in the Pro rt Lender's actions mu
<br /> l�,la4i�.�'w►..i4'y'.'\ PaY rY P p� Y ' R P� Y• Y
<br /> • �' include paying any sumx k,cured by •r lien which tws priority over this Security Instrument. appe:►ring in coun, paying =
<br /> w `�". ;,�`�� reaconable attomeys' fees and enter�ng on the Pa�perty to make rcpain. Although I.cnder may take action under this paragmph
<br /> ✓� 7,l.endcr da.s not ha�c to do so.
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<br /> �-'1"'��• � � Any amounts dishurccd by I.cndcr undcr this paragraph 7 shall beccimc :xlditional dcbt of Bnrrowcr sccurcd by this
<br /> -•,;,,� •-�•� �� �� Security Inswment. Unlr�s Bnrtower a�xf Lender•rgree to othet terni���f p;►ynxnt, thr.e umcwnts�hall bear interest fmm ti�e _.
<br /> ���,,�;:, „�?;�ti;;;:_ • date of disbursen�ent at the Note rate and shall bc payablc, with intcrest, upon natice from Lendcr to Borrowcr requesting `
<br /> � � payment.
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<br /> ��. 8. Moet�tAe Incuratiee. If IAnder reyuir�d nxirtgage inwrance:��a conditiiin of making tbe loa�sccurcd by this Security
<br /> 1.. ..,�'i'` ,. Instrumcnt. Borrower shal! pay the premiums requind to mainrrin thc mortgagr in.urrnce in cffcrt. If, for:my reaum, the
<br /> '�y..,;,�,•::: mortgage insurance coverage rcquired by I.ender lap�es or cea�e.to be in effect, Bonower.hall pay the premiums required to
<br /> `� "`�='-'%•: ., obtain croveruge wbawntialiy eyuivulent to the muag�gr i�i+urrure previously in cifcct. at a rust�uh�tantially cquivalcnt tu the °
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<br /> �� t;°?;, ;,; . cost to Borrower of the mortgage incur•rnce previ�wsly in effect, frum an ultemute nwrtgage in,urcr uppmved by Lender. If �
<br /> •--� ` %�! � substantially equivalent mortgage insurarxe crn�erage is�x,t availahle,&�rmKCr.hall pay ro l.endrr rach m�mth a sum equal to
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<br /> _- -�N:Tf-��a`��� ' one-twelfth of the yearly n�rtgage in�ur:�nce prcmium being paid by&�rrow•cr whrn thc imurancr ro�cra�e lapxtil or ceaticd to �-�
<br /> � be in effxt. I.ender will aucept,u�e:uxf retain thex payment.ss a lo�s rekrve in lieu of mortgaFe insurance. Loss rcscrve
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