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<br /> - S. Haa.acd or Property inwrance. Borrower shall kcc� thc improvementa now eAisdng ar hereaftes erectcd on the
<br /> ,-:���,� wtop�rty insured nBninst loss by fire. ha�r.uala included wilhin tha term "extended cove�agc" and nny othcr haxnrds.inciudirg _
<br /> flcxxfs ar fioadiog, for which I.ender requires insueunce.Tfds insurunc,�:Yhall be m�tintAined in the Am�unts u�td tor tha p�rivds
<br /> � that l.ertder rcyuires.Thc insurnrtcc��urcier providing the insumncc sNull be choscn by Barrawer�ubject trs i.ender's upprovul
<br /> which rhuli nnt be unmusonably withheld. If Borrower fuitK to maintatn coverage described above, l.ender may, zit I.endar's
<br /> aptian.ohtnin caverAge ta protect Lender's dghGg in tha PropeRy in nccardance with p�ra�raph T.
<br /> Ali insumnce policies and renewals shell be ucceptnble ta l.ender and shuli include o startdnrd mort�tage cluuse. LA:nder
<br /> - -� -- -- �;hull have the right to hold the policies and renewnls.if t.ender requiras. Borrower sliall promptly give ta I..endCt all receipt�of
<br /> J p�id pmraiums nnd rcnownl notices.In the event of loss.Horrower ahall gtve prompt not[ce to th� insuranca curriet and Lender. �
<br /> Lender may make proof of lass if not made promptly by Bonower. —
<br /> Unless Lender artd Barrower othetwise agree In wdting,insurance procceds shall be upplied to restoratian or.repair af thc
<br /> — -- Property damaged,if the restoration or repalr is economicully feasible nnd Lcnder's securiry is not lessened. If the restaration.or
<br />._._ — repa3r fs nat economtcally feuslble or Lender's security would be lessened,the insuraace proceeds shull be applicA co tha sums
<br /> _— �ecured by this Security Instrumen4 whether or not then due, with nny excess paid to Borrawer. If Borrawer abttndons the __
<br />—" Properry,or does not answer within 30 days a notice from Lende�thut the insurance carr[er has offered to setNe u aluim,.then
<br /> n�' Lender may wll�t the insurance prc�oeeds. Lender may use the proceeds to repair or restore the Property ar to pay sums
<br />-= secured by this Security Instrument,whether or not then due.The 30-day periad will begin when the notice is given. .
<br /> Unless Lender und Bonnwer otherwise agree tn writing, any epplicntlan af procceds to pr�ncipul stnall nnG extend or
<br /> �:t_—_ postpone the due dute af the monthly payments referred to in paragraphs 1 and 2 or change the amount c�f tha pnyment�. If
<br />�' under paragraph 21 the Property is acyuired by Lender. Borrower's right to any insurance polictes and prac�eds resulting,from
<br />.,.°
<br /> - damage to the Property prlor to the acquisition shail pass to Lendcr to thc extent of the sums secured by thls Security lnst�q+.ment �_
<br />- immediutely prior to the acquisition. "�
<br /> 6.Oocupancy,Preservatfon,Matntenance and Protection of the Propeity;Borruwer's Lopn Appllcallon�LeASeholds. __
<br /> Borrower shult occupy.establish,end use the Property as Bonower's principal msidence within sixty days af;er tha exccution of �-
<br /> this Security Instrument and shal!continue to occupy the Property�.s Borrower's principal r�sideiice for at len.gt ona yc�ar after
<br /> the dute of occupancy.unless I.ender otherwtse ugrcxs in writing.which consent shall not be unreasonubly withhcld,or unless �r.�
<br /> extenutttin� clrcumstances exist which are beyond Bormwer's contral. Born►wer shall not destroy, damaga or impnir the ��
<br /> Property. allow the Property to deteeiorate, or commit waste on the Praperty. Borrower Rhall be in defau;t if any farfeiture ��
<br /> uction or proceeding,whcther civil or cr�minat, is begun thnt in I.ender's good itiith judgment could result in k'orfeiture of the �
<br /> �r Property or othecwise materially impair the lien created by this Securlty Instrument or Lender's securiry intprest.Burrowor muy =°-=
<br /> � _�.:_
<br /> , cure such a default and reinstate,as prnvide�in parugrnph 18.by causin�the uction or proceedin�to be dismi�ssed with u rutin� �;;
<br /> - - - . ihai, is L..�d�r's gaod fatih dci�mi�tiass. Prccludcs forfcitnr�of t3ie 9orrflsuer's inierest fn the Pr!��.+!�rty or o►h��r m�:teri:�4
<br />• impair�nent of the lien created by this Security Instrument or L.ender's security interest. Borrower shnll also bo i�dafuult if =__
<br /> Horrower,during the loan application process.gave muterially false or inuccurnte information ar statements ta Lend�t(�nr fa�led ---
<br /> ,,, to provlde Lender with c�ny material information)in connectton with the loan evidenced by tlie Note,including. but nm limited = -
<br /> ta,representations rnnceming Borrower's accupuncy of the Property:ts a principal residence. If this Security Instntment.is on a �--
<br /> leasehold, Borrower shall comply with all the provisions uf the lease. If Borrawer acquires fee title ta the Pt�pariy. the �m`
<br /> leasehold and the fee tide shall not merge unless Lettder agrees to the merger in wrIting. •
<br /> + nts a i ed jn �� �.`
<br /> 9.Protection ot I.ender s Ri�ttts in t6e Property.If Borrower fnils ro perfarm the covenunts and ag�+eeme c ntn n �
<br /> thls Securlty Instrument.or there is a legal proc�ding that muy significantly affect Lender's rights in the Property (yueh as a
<br />= pioceeding in bankruptcy.probate,fo�condemnation or farfeiture or to enfone luws or regulations), then I.ender mny do and �.�:,:
<br />= pay for whatever is necessary to protect the vaiue af the Property and L,ender's rights in the Property. Lh:nder's ucti�ans may :
<br /> Y�,
<br /> include paying any sums secured by a lien which has �riority over this Serurity Instrument, appearing in cou�, puying +'
<br /> - reasonable uttomeys'fees and entering on the Property to make repalrs. Althnugh l.ender may take action under this paragraph .��
<br />- 7.I,endcr does rtot have to do su. �''"�
<br /> - Any umounts disbursed by Lender under diis pumgraph 7 shall become additional dcbt of I3orrowcr secur+ed by this .
<br />_- Security InsMiment.IInless Borrower arr3 Lender agree to other terms of payment.these amou�as shall bear interest from the �.:••
<br /> ' date of disbursement at the Note rate an�shnll be payable, with inrerest, upon notice from Lcnder to Borrower reyuasdng �r�`
<br /> paymenL ��.��
<br /> 8.Mott�age Insuranee.If I.ender required mortguge insurance as a condition of makin�the loun r,ecured by thia Security � ' ,.,
<br /> ` - Insmiment. Borrower shali pay the premiums required t� m�intairt the moctguge imurance in effi�ct. if, fi�r any reuson, the
<br /> mortgase insurnnce coverage requtred by Lender Iapses or ceases to be in effect. Borrower shsll pay the pttismiums requit�ed to
<br /> s
<br /> " obteln coveiage substantialty equivalent to the mortgage insurance previously in effect,at a cost substantiully equivt�lant to the
<br /> cost to Borrower of the mortgage irtsurance previously in effect, from un s�itemate mort�a�e insurer approvrci by Gtnder. If �
<br /> substantially equivalent mortga�e insurance coverase is not available,Barrower shall pay to Lender cach month u sum equal tu �?
<br /> one-twelfth of the yearly moe�gage insurance pmmium being pxid by Borrower when the insurance coverage lupsed ar��eased to '
<br /> be in effect.Lender will accepi. use and retain these pnyments as a loss raerve in lieu of mort�nge insucunoc�. Lac► oeserve
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