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•'f"������1 (f .f:• .. � .� ., <br /> . x;.�. .. - .f -��.• <br /> . . ..1 .� ��- . <br /> ��� _ <br /> , �r <br /> i�'�"'� 1f�"���� <br /> periods that C.cadcr rcqniirers. 'ft�c insu�•micc cnrcic��pruvicting thc in�;������c�i�hnll{K:cltu�.cu��y[tnytoiv�r t�uhject to I.cud�:r�� <br /> • �pproval which sliall nat be unreasannbly wlll�heW. If porrower fcdl�:to muEntain cnv�ruqe desc�ihcd aM►ve,l.cnder muy.ut <br /> Lcnder's optlon.obtain cnverage ta pmtc�i Lcnderk rights in the 1'ro�Ry jil IlC'�:UP(SGI1�C 4V�1I1(1tlfU8fAhI1�. <br /> All Mswartce pollcies and r�newnls�shall bc ncceptal�le tc�Lendei•a�d sUnll include u�+tundard mortgago claune. Leader <br /> . shaU have therigitt whold the policies nnd renewalK. fFLendcr reyuires,Borrawer sltnll�romptly give tn Lender nU rcceipts <br /> of paid premiams and r+enewnl notIaw. In the event of loss,�orrower shali glvc pmmpt narticc to thc insurance currler und <br /> I.ender. Lender may m�ika pronf of los.g if not made prompQy by Borrower. <br /> Unless I.ender end Borrower otherwise agrce!n wrlting. lnsumnce praceeda shull be npplied to restorntton or repnir of <br /> the Property damaged, if the rentaratian or�epair is ecos�omically feasIble and l.ertderk security is nat lessened. If the <br /> restomtlan or repair is not economically fep.gible or L.ender's security wauld be lessened, tha insnrnnce proceeds shali be <br /> upplied to the sums se_urcd by tdis Securlty [nshument, whether or not then due.with uny excess putd to Bocrower. if <br /> Bom�wer abandans the Ptoperry, or does not answer wlttiin 30 days a notice from Lender thnt the insumnce currier hos <br /> offered to seqte u c1aM.then Lender may coltect the insurance procceds. Lender may use the proceed4 tu repair or resiore <br /> the Property or to pay swns secured by this Securit3r Instrurnent,whether or not then due. The 30-day period wfll begin when <br /> the nodce is glven. <br /> Unless Lender and Horrower otherivise agreo in writing,any applicudon of proceeds to principal shull not extend or <br /> postpone the due dute of the montQily payments teferred to in perugraphs 1 and 2 or change the umount of the payments. If <br /> under paragraph 21 the Properry �s ucquired by Lender, Borrower?s nght to any Insurance policies and proceeds resultIng <br /> from damage to the Pnnpecty pdor to the acquisition shall pnss to Lender to the extent of the sums secured by this Securiry <br /> Insuurnent Immediately prior to the acquisidon. <br /> 6. Occupancy, �reservation, MaSnteaance and Protection of the Property; Bormwer's Loan Applicatton; <br /> Leasehoids. Borrower shaU occupy.establish,and use t!►e Properry as Borrowcrk principal residence�vithtn sixty days after <br /> the execution of this S�curity Instrument und shall condnue to occupy the Proporty as Borrower's principal residence for at <br /> least one year ufter tl�e date of occupancy. unless Lender otherwise agrees in wridng, which consent shall not be <br /> unreasonabty withheld, or unless eatenuuting cfrcumstances exist which are beyond Borrawer�s control. Bonower shall not <br /> dastroy,damage or impair the Property.allow the Property to deteriorate.or commit waste on the Property. Banower shaU <br /> i,,. be in dafault if any forfeiture Acuon or proceeding,whether civU or criminal.ls begun that in Lender�s good faith judgment �':�a <br /> '`" � could result in forfeituire af the Property or otherwise materially impair the lien creuted by this Security Inst�ment or ��"�'•, <br /> + Lender's security lnteres� Hanowar may cure such a default and cielnstete.as provided in pars+graph 18,by causing the actton <br /> or proceeding to be disrnissed with a ruliag tha�in Lenderk good faith determmntion,precludes forfeiture of the Borrower�s <br /> intorest in the Property or ather matedat impairment of the lien crcated by this Secunty Instrument ar Lenderti security <br /> intecest. Bomower shall also be in default if Horro�ver,cyuring the loan applieation pracess, gave materially fulse or <br /> inFiccurate informntion or stmtements to Lender(or failed to provIde Lender with any matedal infarmation)in connection wlth <br /> the foan evidenced by the Note, including. but not limited to, repmsentarions concemjng Borrower's accupuncy of the <br /> : Ptaperty as a principal residence. If this Security Instrument�s on a teasehold,eorrower shali comply witii uii the provisions <br /> � af the lense. If Bormwer acquires fee dtie to the Property.the leusehoid und the fee tltle shall not merge unless Lender agrces <br /> to ttte mer�er in writing. <br /> 7. PTatection ot Lender's Rights In the Property. If Borrower fsalls to perform the covenunu and agreements �y <br /> contained in this Security Instrumen� or there is u legul proceeding that may significnndy affect Lender's rights tn the <br /> Property(such as a proceeding in bankrnptcy,probate.for cortdemnation or forfeiture or to enforce taws or regulations>,then <br /> Lender mny do and pay for whatever is necessary to protect the vnluc of the Property und Lenders rights in the Prope�ty. ,,: .� <br /> Lenderh uctIons mny include paying any sums secumd by a 1 iert which has priority over this Security Inswment,:�ppearing �;,f <br /> in court.pnying reasonable attomeys'fees and entering on the PropeAy to make repair.c.Althou�h Lender muy tuke action t;._'.L <br /> under this pamgrnph 7, Lendor dces not have to do so. <br /> My amoun4ti disbursed by Lender under this p:uagrnph 7 tihall become ndditionnl debt of Bartnwer secumd by this <br /> Security InsxrumPnt Unless Bomnwer nnd Lendcr ugree to other tetms af payment,tl�esc umounts shaq beur interest fmm the <br /> dnte of disbursement c�t the Note rnte and shail be payable, with interest,upon naticc fmm Lender to Borrower requestin6 <br /> p�yment. ' <br /> & Mory;age Insuraace. if Lender mquired mortgu�e insurance ag n condition af making thc loan serured by this ,t <br /> Securiry inswmen4 Borrower shall pay the pmmiums requimd to maintain the mortga�e insurance in effect. If, for uny <br /> reason,the mortgage insurance coverage required by Lender lapses or ceases to be in effect. Bomower shnll pay Uie _ <br /> premiums �+equired to obtctin covernge substnnNalIy equivulent to the mortguge insurance previously in effect, at a rost � <br /> substandnlly equivalent to the cost to Bomower of the mort�oge insumnce previously in effect.from an altemate mort�age •' <br /> Insurer approved by Lender. If substanti�lly equivalent mortgnge insurnnce coverage is not av:utable.Borrower shal�pay to 4�• - <br /> ; Lender each month n sum equnl to one-twelfth of the yeariy mortgage insur.uice pmmium being paid by Borrowsr when the <br /> insurance coverage lapsed or ceasecl to be in effect. Lender will accept,use und retain these payments as u loss reserve in lieu <br /> of moAgage insurance. Loss reserve payments mny no langer be required.at the option of Lender,if mon�age insurnnce <br /> wverage(in the umount nnd for the period thnt Lender requires)provided by an imurer upproved by Lender ugnin becomes , <br /> avnilable artd is ubtaiaed.Bomower shali pay the premiums required to maintsiin mortgage insurnnce in effecG or to providc a <br /> toss reserve.until the r�equirerrtent for mortguge insurance ends in accor�ance with any wrttten agreement between Borrower <br /> and Lend�r or applicable law. <br /> 9. InspeMFon. Lender or its ugent muy muAe reasonable entries upon and inspecaons of the Property. I.ender,hWt <br /> give Borrower norice at the time of or prior to su�inspecaon specifying reasonable cause for the#nspection. �'•��!�� <br /> 10. Condemnahon. 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