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.t�.<.,.�.rtt,.� �r..�. .s JS �y� •�<t � ' . �..,. <br /> �c:;'.'yi�il - �!,fi\�7 ysi)) ''NU '; 1{}::�...,y�,. <br /> �()••-.4. . t ,;,;�y�� � r`1. <br /> . .4s;;� -- <br /> �� �,�i, 4 <br /> , _.. . �_. -- . .. .----- _. ____ . <br /> .. . _ <br /> �g��.�u i_ _ <br /> 3. Na��rd or E'roperly L�suranc�. Borrawep shaU keep �he improvements now existing ar hereaftcr en�ctad on th� <br /> Fruperty in�ureaf ogaia6t t�s3 by fire,ha��nr�i.9 included witliln the term "extended�:uvern�e"iuzd ni�y ail,er I�a7arcts, inclu�ling <br /> pc�ods ar floading,tur wl�ich Lcncicr requires iusur:►nca Thia insur�nce stu�il be ma�intai�xd in tite umounts nnd for tlie perluds <br /> that [.end�r roqutrcs. 'I'tie insurance carrter providtng tha insurnnce shall bc chnsere riy 8orcower subJect to Lender'a uppmval <br /> Evhic;h 3ha11 nut bo unrcasa�utbly wjthheld. If Aorro�vcr fails to mafntuin eavcrage descritred abave. l.cnder muy. at I.cndcr'R <br /> option,abtain eavet�t to pratect Lender's r�ghts tn the Property in accunlcu�re wlth parngrs�ph 7. <br /> All insur�nce�rvlicles ai�d renewnls shail be acceptable ta l.ender u�xi xhull include n etnndard mortgage clRU!�e. Lander <br /> stu�it Auva the right to hatA the policics nnd renewals.if Lender rcquircs,8atrower sha11 prc�mptly givc tw l.e�ider ull eeceipts ot' <br /> paid prcmiums arKl rcnnwal natic�.In the event af loss,Aorrower shult gtve pnnmpt natice to the Insuca�x:e caitfer and Lencler. <br /> [.ender mav make prouf of loss If not made pmmpdy by Borrawer. <br /> Unless I.�nder and Borrower atherwlse agree in writtng. insuruncc pracceds shuli be npr,tied to restorutton or repair of thc <br /> P'napeny damugal.it the restoration or repair is etonomicully feasible and Lender's security is not lesxacd.If the testoration or <br /> repair'is not econamically fw�sible or Lender's securlty would be Icsserted. the inswnnce proceeds si�all be applied to the sums <br /> socured b�r this Security lnstrument. whether or not the�n dae.with uny exceess paid to Borrower. If Borrower a4�andons the <br /> Pt»perty.or do�s not answer wlthin 30 days u natice from I.ender t4nt the insurunce carrler has offered ta�etUe a cluim, then <br /> [.ender nwy coilect the insurance procee�s. L.endc:r may use the proceeds to repair ar restot+e the Property or to pa� stuns <br /> securad by tbis Secudty lnstrunxnt.whether or not then due.The 30tiay pedod will6e;�in when the notice is glven. <br /> Uniess Lender and Borrower otherwisa agree in writing, any applicadon of pmceeds to principal ehull not extend or <br /> postpone the due date of the monthly payments referred to in paragraplu 1 nnd 2 or change the amount of the payments. If <br /> u�er parsigraph 21 the Propezty is acquired by I.ender.Borrower's right to any insumnce polictes and proc�da resulting from <br /> damaga to the Property pri�r to the ucquisition shall pass to Lender to the eatent of the sums secured by th�a S�udty insmrment <br /> jmmedIauly prior to the acqu�sition. <br /> b,()ccup�ncy,Preservation,Meintenaace and Protectlon o!the Pnnperty;Borrower's Loun Appllcation; I.easeholds. <br /> Borrower shall occupy.establish,and use the Prop�rty as Bomower's pr�ncipal resjdence within sixry days oPter the execudon of <br /> this Socurity Instniment and shali rnndnue to occupy the Property as Borrower's principal residence for at least one year after <br /> the date of occupttnncy,unless Lender otherwise agrees in writins, which cor�,ent shall nat be anre,asonably withheld,or unless <br /> extenuating circumstances exist whtch are bayond Borrower's control. �orrowcr shall not destroy, damage or impair the <br /> Property. allow the Property to deteriorate. or commit waste an the Property. Bornower shall be in default if any forfeiwre <br /> action or praceeding, whether civil or criminal. is begun that in L.ender's good falth jud�ment could result in forfeitnre�f the <br /> Property ar otherwise materially impair the lien crested by this Secudty instrument or Lender's securiry interest.Borrovrer may <br /> cure such a default and reinstate,as provided in paragreph 18. by cuusins the action or proreedin�to be dismissed with u rulin� <br /> that. in l.ender's good faith determination, precludes forfelture of the Bornower's interest ln thc Property or other materfal <br /> impairmxnt of the lier►created by this Serurity Insmiment or Lender's security interest. Borrower shall also be in default if <br /> Borrower.during ihe loan applicatton process,gave mntcrf�lly felse or inaccurute infurmation or statemenu to Lender(or failed <br /> to pmvide Lender with any tnateris�!inf'ormadon)tn connection with the toan evidenced by the Note.including.but not IimIted <br /> to.repmsentations conceming Borrower's occupancy of the Property us A principal resldence.[f this Security Instrument is on a <br /> leasehold. Borrower shall comply whh ail the provisions of the levse. If Borrower ncqu3res foe title to the Property. the <br /> leasehold and the fae tide shall not mer�e unless Lender agrees io the merger in writing. <br /> 7.Protaxfon o!Lender's Rtg,hts in the Property.If Borrower fails to perform the covenants and agreements contaitted in <br /> this Security Instiumsnt,or there,is u le�al proceeding that muy significantly affect I.ender's r3ghts in the Property(such as a <br /> proceodiag in bank�uptcy. probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may do and <br /> pay for whatever is neoessary to pratect the value of We Property and I.ender's righls iR the Property. Lender's actions may <br /> irtclude paying any sums socured by n lie» which has priodty over this Security Instrument, appearing jn couct. payin� <br /> reasonable atiorneys'fees and entering on the Peuperty to make repairs.Although Lender may take action under this paregreph <br /> 7.Lender dces not have to do so. <br /> Any amaunts disbursod by Lender undev this paragrnph 7 shall become udditional debt of Borrower secure�i by this <br /> Security Instrutnent. Unless Borrower sind Lender agree to other terms of payment, these amounts shall bear irtterest from the <br /> date of disbursement at the Note rate and shall be payable. wIth interest, upan noticc from L.ender to Borrower ra,�uesting <br /> payment. • <br /> S.Mortgage 1�arance. If I.ender requlred mortgage lnsurunce as a conditfon of making the laan secured by this Security <br /> Instnunent. Bomoa�es shall pay the premiums aeguired to mnintAin the martgage insurance in effect. If, for any reason. the <br /> mortgage insurenoe coverage required by Lender lapses or ceases to be in effect,Borrnwer shall pay the premiums required to <br /> obtain coverage substanqally equivulent to the mortguge insurance previoasiy in effect.at a cast substantially equivalent to the 5' <br /> wst to Born�w�sr of the mortgage insurance prevtously in effect, from an alternate mortgage insurer approved by Lr�nder. If <br /> substandally eqniv�lent mortgage insnrance rnvernge is not nvaila6le. Borrower shall pay to Lertder each month a sum equal to ° <br /> one-twelfth of d►e yearly mortgage insuranoe premfum being paid by Borrower when the in.surance coverage lapsed or ceased to •'i'' <br /> be tn effect.Lender will accxpt.use and retain these payments as a loss msen+e tn lieu of cnortguge insurance. 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