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<br />_ -., �". H[�rard or {�rap��ty �nsurnrzce. eorro4vcr shnit kcep �he imnrove�nents a�w existing or h�reafter erectc� on tho
<br /> Prnperty insurcd ngalnst loss by fire,hazards included wethin the term"extcnded cnvemge" tmd any athcr hawrds, incl�uting
<br /> Qonds ot tlw�ding. for which Lcndcr rcqujaxs insurattce.This insumncc shull bc maintuined in the unwun�9 and for tha peria3s
<br /> thut l.ender eoquires. 7'ha insur�nce carricr pmvtQing thc insumnce shall bc cliosen by Borrower subjec:t w 4ender'a nppruv�l
<br /> whlch shali not be unreasanably withheld. If Borrower falla to maintuin caverage descdbc�i utxwe, I.cnder may. at Lenuler's
<br /> aptian.abtajn covernge to protect I.ender's rl$hta!n the Pmperty in uscnrdnnce with parAgraph 7.
<br /> � - __ -� AI1 (nsurattt� pc�itcies and renctiv.:ls shall be arccptable to Ixrtder nn�i�finN include u htend�rd mortga�a clnusc:. I.etxler
<br /> shap have the r�ght to hold the policies and renewAls. lf i.cnder rcquixe.v,Horrawer shaU promptly give ta l.e�xlcr ull re�eipte of
<br /> paid pmmiums stnd renewal notices. In cho event of loss,�orrow�r shall givc prampt notice to tha insurancc carrier anci Lcnder.
<br /> I.ender may make proof of loss If not made promptly by Barrower.
<br />•=•� Unless Lender und Bonowcr olherwiss agcee in wdtjng, insururtre praceeds shull bc upplE�ta restomtton or rcpair of the
<br />� Property damaged.if the restoration or repair is economicully feasible and L.ender's sesurlty i�not lessened.If the restaration or
<br /> ��--n—�—�-----�---- repair is nat ecortomically feasible or I.ender's securlty would bc Iesscncd.the in5urnncx:procexd.g sh�ll be npplied to the sums
<br /> scxured by this Socur�ty Insttument, whether or not then due,wfth any excess paid to Borcower. If Borrower abundons the
<br />— - Properry,ar does aot onswer withln 30 days u notice from Lcnder that[he insurance c-arrier has offen�d to settle n claim. then
<br /> �'� [.ender may ooflect the insurnnce pmcceds. I.ender may use the procceds to mpair or restore the Property or to pay sumy
<br /> scxured by this Security Instrument.whether or nnt then due.Thcs 30-duy period wiU begin when the notice is�tven.
<br />--- — - Unless Lender and Borrower othenvise agrce in writing, any application of procceds to princ�pal shall not extend or
<br /> s postpone the due date of the munthly payments referred to in paragtaphs 1 and 3 or chunge the amount of the payments. If
<br /> -- under paragraph 2! the Property is acquired by L.ender.Borrower's right w;u►y tnsurai�ca policies and proccods rautting from
<br /> -_ danuige to the Ptnpeny prfor to the acquis[tion shall pass to Lender to the extent of the sums s�ured by this Securlty Instlument
<br />-�� imme�diately prlar to the ucquisition.
<br /> � 6.Occupancy,Preservation,Matntenance and Protect[on of the Prope�rty;Borrower's Loan Applfcadon;I.easeholds.
<br /> Borrower shall accupy.establish.end use the Property as Borrower's pnncipu!resIdence withtn siaty days flft�r the eaecution of
<br />_� this Security[nsuument snd shall continue to Accupy the Peoperty as Bornower's principal residence for at least one year after
<br /> the date of cwcupancy,unless Lender otherwise asrces in wating. which consent shull not be unreasonabiy withheld. or unless
<br /> extenuat�ng circumstances exist which are beyond Borrower s contml. Borrower shall not destroy. damage or irapair the
<br /> Property, allow the Property to detedornte. or commit waste on the Pcoperty. Borrower shall be in defuult if a�ry forfeiture
<br /> - action or proceeding, whether civil or criminal.is be�un that in L.ender's goad fAith judgment cauld result in farfelture of the
<br /> Property or atherwise mnterially impair the Iten cm�ted by this Security Instrument or Lender's securiry interest.Borrower may
<br /> ' ° ` .`°` = cure such a defauii artd ceinsiato.:L,providai 1�i p�ag�epf� io. by causing the a�iin�ar�raax�:.^.g!a be dismi�..ec!��ith s�lis:g
<br /> . .`t�� that. in Ixnder's�ood Taith detemunation, precludes forleiture of the Bonower's interest in the Property or ather rtwterial
<br /> impairment of the lien created by this Socurfty Instrinment or Lender's security interest. Borrower shall nlso be in defoult If
<br /> w r durin the loan a lication rocess, ave rmaterinll false or inaccurate information or swtements to I.ender(or failed
<br /> �� e . B PP P g Y
<br /> � to pr�ovide Lender with tuty materia!infonn�tion)in connection with the!oan evidenced by the Note,inciudin�,but not limited
<br /> - - ��'.3 to.represeneations concemin�Bonower's occupancy of the Property as a principal residence. lf this Securiry Instrument is on a -
<br /> leasehald, •18otrower shall comply with all the pmvisions ot tho lease. lf Borrower ucquires fee title ta the Property, the .
<br /> leasehald and the fee title shaU not mer�e unless Lend�r u�rces ro the merger in writing.
<br />- 7.PmteMton of Ireu�lar's Rights in the Property.If Botrowcr f�ils to perform the wvenants and ngreements conteined in
<br /> this Security Instrumem,or there is a legal prooeeding that may si�nificatntly affect I..ender's rights in the Pmperry (such as a
<br /> .� ;} proceeding in bankruptcy, probata, for eondemnntion or forfeiture or to enforce laws or regulationr,),then L.ender may do and _
<br /> �..�'�' p�ey for whatever is neces.gary to protect ihe value of the Property and Lender's rights in thc Property. l.endcr's actions may
<br /> include paying eny sums secured by a lien which has priodty over this Security Instrument, appearing in court, paying .
<br /> a' reasonable attorneys'fe�v ared entering an the Property to malcc repairs. Although Lender may take action under this paragruph
<br />-- 7.Lender dces not have to do so.
<br />:1•� My funounts disbursed by L.ender under this paragruph 7 shalt become additional debt of Borrower secured by this
<br /> - Security Ins�t�ument. Unless Borrower and Lender a�ree to other terms of payment,these amounta shall bear itttemst ftom the
<br /> ' date of disbursement at the Note rate and shall be payable, with inter�est, upon notice from Lender to Bocrower requesting
<br /> � payment.
<br /> w�� 8.Mmrtgage insurance.If Lender requirod mortgage insurunce as a crondidon of making the loan secured by this Security
<br /> !k InstrumenR. Borrower shall pay the pmmiums required to maintain the mortgage lnsurance in effeet. If, for any reason, the
<br /> i mortgitge insurance covemge required by Lender lapses or ce�ses to 6e in effect, Sorrower shall pay the premiums required to
<br /> �.' ���'�t ' t
<br /> obtain coverage substunGalty equivaient to the mortgage insurance previously in effect,at a cost substantially equivalent to the
<br /> • cost to Borrower of tH►e mortgage insurance previously in effect, from an alternate mortgage insurcr upproved by L,ender. If
<br />- �; substanttelly equivalerrt mortgage tnsurance coverage is not avaitable.Borrower shall pay to Lender each month a sum equal to
<br /> � one-twelfth of the yeariy mortgage insurance premium being paid by Borrower when the insurance coverage Iapsed or ceaxed to
<br /> be in effect.Lender wiU accept.use attd retain these payments as a idss reserve in lieu of mortsage insurance. Loss reserve
<br /> ' Form 3028 8l90
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