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<br /> -�,�s„�,�,�,��� 3, gin�ard or Property Insurnnce. Borrawcr shali keep the impmvementn now exisTinB or hei�Te`��.l�e'�on the
<br />_ — �� Properry lnsured ogntnst losa by flre, h�rda irtcluded within tha term °�xSendet!covemge"and nny oiher hazarda. ipcludl»g
<br /> tloodw or flooding. for which Lendor requires#nsurunce.This insurunce Khall be mainwined in the tunaunts and for the pariodA
<br /> that L.ender requires.The insurnnce carrler provlding the ineurance shull be chosen by Bonower subjeax tn Lcndtr's upproval
<br /> which sholl nat be unreusonubly withheld. If Borrower fui1R to molntn�n coveragc descr�bed above, i.cnder may. at Lender's
<br /> option,obtain oavernge to pmtect Lender'�right�in the Pcuperty in accordance with parngraph�.
<br /> �- ____-_______ __� Ail insurance paltcies nnd renevrals shall be ecceptable+to I.ender and shall inciude a stendard mongage clause. Lender
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<br /> shall have the right to hold the policles and renewals.If Lender r�equt�es. Horrower sliall prompdy give to Lender atl receipts of
<br /> paid pnmiums end renewel noticea.In the event of loss.Borrower shall give prompt notice to the insurtmce cxinler end Lender.
<br /> Lender mey mako praof of loss if not made promptly by Bonower.
<br /> Ualess Lender and Borrower atherwis9 agne lu wridng,insarance pmceeds shiill be applied to cestoration or repalr of the
<br /> _ Properry damaged.if the restoratlon or repaIr Is economIcally feasIble and Lend�r's security is not lessened.If the restornfloa or
<br /> -_ -�-� repair is not ecunomically feasible or Lender's secudty would be lesserted,the insurence proceeds shall be applied to ths suma
<br /> secured by thls Secudty Inshvment, whether or not then due. wlth any excess paid to Borrower. If Borrower abandons the
<br /> -- Pinpeity.or does not answer within 30 duys a notice from I.ender that ttie insursrtce carrier has offere�i to seule a clnim, thon
<br /> - Lender may coAect the insurance procceds. Le�er may use the proceeGs to repair or restore the PropPrty or to pay sums
<br /> � secur+ed by this 3ecurity Iastrument,whe�tcer or not then due.The 30�duy per�od will begin when the nodce is�iven.
<br /> UWess Lender end Borrower otherwiss agree in wridag. eny applicatlan of procEeds w prIncipal sha11 not extend or
<br /> postpone the dae cfAte of the montbly payments referred to in paragraphs t and 2 or change the amaunt of the payments.If
<br />, uader paragraph 21 the Property ia acyuired by I,ender.Borrower's elght to any insurence polictcs and pmc�ecis res�tlnS from
<br /> - damage to the Pcoperty prIor to the acquisition shall pass to I.ender to the extent of the�ums setured by thie Secur�ry Inst�wmeut
<br /> immediatcly prIor w the acquiaition.
<br /> 6.O�ccu�ancy,Pceservation,Maintenance und Protedion of the Property;Borrower's I.onon Applicatton;Leaseholds.
<br /> Borrower shall occupy.establish,aad use the Property es Bormwer's princlpal cesldeace within siaty days after the execution of
<br /> Wis Security Insuuraent and shaU coatinue to ocatpy the Property as Borrower's pr�actpril residence for at leass one year after
<br /> the date of occupancy. unless Lender otherwlse agrees in writ�n�, which consent sha(1 not be unreasonabfy withhe,d.or unless
<br /> .t eatenuating clrcumstances exist which are beyond Horrower's control. Borrower shall not destroy. damage or impair tS�se
<br /> Prnpeity,ellow the Property to deteriorate,or commit waste on the Property. Borrower shell be in default if any forfeiture
<br /> action or proceeding,whetber cjvil or criminal.is begun that in Lender's good fatth judga:ent could result in forfeiture of the
<br /> � Property or otherwise materiapy impair tbe lien creat0d by thla Securlty Insuument or Lender's securiry interest.Borrower may
<br /> ° °�- c�w�C yuc�i e dainuit�ai xcLusiai�,n�pn,vidcx3 I�i pni agra�h 28.by causln�ihc action or�ing to be di�ml�sec!�Iih a ru!!ng
<br /> thnt. in Lender's good feith determination, precludes forfeiture of the Borrowcr's interest in the Property or other matedal
<br /> impaimtent of the lien created by this Secudty Instcument or Lender's securiry interest. Borrower shall also be in default if
<br /> Borrower.during the loan application proeess.save materislly felse or fiuccurate informadon or stateme»ts w L.ender(or failod
<br /> to provide Lender with any tnaterial information)in connection with the loan evidenced by tha Note,including.but not limited
<br /> to.repre.sentatIons conceming Horrower's occupancy of the Properry as a pdncipal residence.If this Securlty Insuument is on a -
<br /> leasehold. Bortower shall oomply wlth all the provjsions of the lease. If Borrower acquires fee dd� to the Property. the
<br /> leasehold end the fee title shall not merge unless Lender agrees to the merger in wrlting.
<br /> 7.Prutedton of Lender's Rights in the Prope�ty.If Borrower fails to perform tha covenants and agreements contalned ia -
<br />_ ,,4 this Sec�rlty Instrument.or there is a legal proceeding that may significandy effect Lender's rights in�he Property(such as a
<br />� pmceeding in bankn�ptcy,�robate.for wndemnation or forfelture or to enforce laws or regu(ations).then Lender may do and
<br /> •` pay for whatever ia necessery+to protect the value of the Froperty and L.ender's rlghts in the Property. I.ender's actions may �
<br /> include paying any sums secured by a lien whtch hav priority over this Security Instrument, appearIng tn court. paytng
<br /> � masonable nttomeys'fees and entering on che Property to matce repairs.Although L.ender may take action under th�s paragraph
<br /> �,Lender does not have to da so.
<br /> My amounts disbucsed by L.ender under this paragraph 7 shall beoome addidonal debt of Borrower s�cured by this -
<br /> Se�:urity Instrument. Unless Borrower and Lender ngree to other terms of payment.these amounts shell bear interest from the
<br /> date of disbursement et the Note rate and shall be payable, with interest. upon noticc from i.cader to 8orrowar requesdng
<br />_- payment.
<br /> - 8.Mortgpge Insurance.If Lender required mortgage insurance as a condiNon of maldng the loan secured by thjs Security
<br /> I � Insuvment, Borrower shall pay the premiums requIre�t to maintain the mortgage insucance in effect. If. for any reason. the
<br /> � mortgege insuranoe coverage requfred by L.ender iapses or ceases to be in effect,Borrower shall pay the premiums required to -
<br /> obtain coverage sabstuntially equivalent to the mortgage insurance previously in effect.at a rost substantially equivalent to the
<br /> ,�," oost to Bomower of the mortgage insurnnct prevlously in ef�ect, from an siltemate martgage insur�er approved by Lender. If
<br /> � substamially equtvalent mortgage insurance rnvera�e is not available,Borrower shall pay to I,ender each month a sum equal to �:
<br /> one-tweltih of We yearly�nort�ase insurnnce premium bein�paid by Borrower ahen the insurance rnverage lapsed or ceased to
<br /> be in effect.I.onder will eooept.use end retain these payments as a loss reseive in lieu of mortgage insurance. Loss reserve ;
<br /> Form 3028 9lDO
<br />- _ Pope 3 of 9 ..
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