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<br /> , �eriixis th:�t Lructer requlrev. The in�;ieranee carricr�roviding thc i��ur.ince simll f�e chuun by 13omiwer tiub'y_ec ta laenderh
<br /> ' n}�mvpl wl�ich shall not be unrca.sa�nbiy wi�hheld. If Borruwcr ixily to maintain cov�ra�:�Kr+txd atx�ve,Laxkr m�y,at
<br /> L.ender's opiiun,obtain anverage to protect i.�endtr's•rights in tina Profxrty irt uccrnlunce with�ragrxPFt�.
<br /> _ Aii i���urw�ce�wli�.iey a�xt i�ttcwals sh;�tl i:.;;;a:.;ca1aE;;;;Ta I.�.t:d�r and sliJl inc:!�,d°ci st�,••+�^M n�nm�nne clen�. Ixne�r
<br /> shall h�►vs ihe r�ght to hold the g�olicies atx!cenewAls. If Lenckr ttiyuires,Barruwer�hall pnxnptly give to�..tndtr ail recdpta
<br /> of�nid premiums nnd renewal notices. In�fie event of loss. 8orrower shall give prompt nnticc to the insurance cerri�er and
<br /> Lcnder. L.endGr mAy ni�+kc proc+f ef loss if nat made promptly by Qormwtr.
<br /> Unless➢..en<Ier und 8orruwe�otbenvise agrce in writing,insurance pnoceeds sfiall be n�plfed to rc,tcxation or repair of
<br /> the Ffroperty damaxcd, if Ihu restoratian or re�air is economically f'easible and Lencier's security is itot l��sened. If the
<br /> restnrarion or repair is not aconomically feasible or Lendcr!�secunry would be lessen�f,the insurance prnceeds shall bc
<br /> ° apptted to the sums secured by this.Security I��strwneut.wiietlier or not ihen duc,with any exces�a paid to�oxrnwcr. If
<br /> sorrower abandons the Property,or dces not answer within 30 days a naUce irom Lender that the insurance carrier has
<br /> �itereci to senle a claim.itien Lender may collect the insurance pra:eeds. Lender moy use the proceeds to repais or ies:ore
<br /> the Propeny or to pay sums secveed by this Sr,�urity Instrument,whether or not Nicn duc. i ne 30�day neriod will begin when
<br /> the notice is given.
<br /> Unless Lender and Darrower otherwise agree in writing,any npplication uf pmceeds to principal shall not extend or
<br /> pastpone the due dato of die monthly payments referred to in pacagraphs 1 and 2 or chnnge the amount of the payments. If
<br /> _ ande�paraeraph 21 Q�e Property is acquised by l..ender,Borrowers right to any insurancc policies and proceeds rcsulting
<br /> from datnage to the Property prior to the acquisition shall pass ro Lender to the extent of d�e sums secured by tiiis Security
<br /> Insuumenc emmediately prior to the ncquisitfon.
<br /> --W 6. Occupamcy, Preservat[on. Mainte�ance and Protect[or� of the I'roperty; Borrower's l.oan AppUcatia�y
<br /> - I.easehoids. Hoirawer shali occupy,estabiish,and u�;QiC Fru�:ity +u Ga,�awcrt princi�al rsidc:�:s within si�ty dsys aftr.r
<br /> the executior.of this Secutiry Instrument and shall continue to occupy the Property as Burrower!s principal residcnct f4r at
<br /> -- lrast one ye:ur after the date of occupancy. unless Lender otherwise agrces in writong, �vhich cansent shall nnt he
<br /> unreasonnbly witfiheld, or unle�s cxteuuating circumstance:,exist�vhich:uc U�cyond Borrower�s control. Bvrro�ver shall not
<br /> _ destmy,damuee os impair the 1'roperty,allaw the Property to deteriorate,or commit wnstc on the Properiy. Borrower shnll
<br /> be in defnult if any forfeitum ncaon or proceeding, whether civi!or criminal,is begun that in l..ender�s goc�d iuicn judgmC��t
<br /> could result in forfeiture of thc Property or otherwise materially impair the lier. creaied by this Security Instrument or
<br /> _.,,._� Lenders sewrity interest. Borro�ver may cure such a defnult:uid reinstate,as proviaed in pan�raph I8,by causing the action
<br />'-`:,,:'a, or proceeding to be disrnissed with a ruling that,in Lender�good faitQ�detertnination,precludcs forfeiturc of thc Borrower's
<br />-•�.aill� � .. h • en -� �• 1 _
<br /> iz=;,r-;t ir, ,h,, �m�sz, or s:s.,�, ms...r:s! in:�.ais*.r_n. �f!he I!�'n rm�t�d hy this Securiry Inswment or L.ender's secur►ty
<br /> - interesG Burrower shall �Iso bc in default if Borrower, during the lonn appticntion process, guve muterially false or
<br /> � inaccurate information or statements to Lender(or failed to providr.Lender�vith any material informaticm)in connection with
<br /> — ehe laan evidenced by ihe Note, includin�, but not limited to, representotions concerning Bomower's occupancy of the
<br /> -� property as a principal residence. If this Security lr�strument is on a leasehold,Aorrower shall comply with ap the provisions
<br /> of the leuse. lf Borrower�cquires fee title to the Property,the le.�sehold And the fee title shall not metge unless Lcndcr agrees
<br /> -= to tho merger in writing.
<br /> — 7. Protection of Lender's Rights in the Property. If Bomo�ver fails to perfonn the covenancs and agreements
<br /> �,� contained in this Security Instrument,or thene is a legnl proceeding that may significantly affect Lender's rights in the
<br /> .c= Property(such as u procceding in banktuptcy,probute,for condemnation or forfeiture or to enforce laws or regulations),then
<br /> z.� Lende�may do and pay fot whatever is necessary to protect the value of the Properry and Lender's rights in the Property.
<br /> �='" Lender'.s actions may include paying any sums securcd by a lien which lias priority over this Secariry Instrument,appearing
<br /> �-1�a in court,paying reasonable attomeys'fees and entering on the Pmperty to makc repairs.Although Lender may take action
<br /> '�`;�' under this paragraph 7. Lender dces not have to do so.
<br /> -=� Any amounts disbursed by Lender under this parugraph 7 shall become additional debt of Borrower secured by this
<br /> ��� Security Instrument. Unless Rorrower and Lender agree to other tcrnis of paymcnt,these amounGs shnll bear interest Crom the
<br /> '-"-a date of disbu�ement at the Note rate and shall be payablc, with interes4 upon noticc fmm Lender to Borcower requesting
<br /> ���
<br /> ',;,� payment.
<br /> -°�� 8. Mort�uge Insurance. If Lender reyuired moizguge insurance us n condition of making the loan secured by this
<br /> Security Insuument,Borrower shall pay the premiums required to maintain the mort�eage insurance in effect. If.for any
<br /> L= reason, the mortgage insurance covcrage ��equired by Lender lapses or ceases to be in effect, Borrower shall pay tlte
<br /> - prcmiums required to obtain coverage substantially eyuivalent to the mortgage insur.ince previously in effect, ut c�cost _
<br /> -- substantially eyuivalent to the cost to Borrower of the moRgag�insur:mce previously in effect,from an nitemate mortgnge
<br /> _,� insurer approved by Lender. If substantialty eyuivalent mortgage insurance cover.�ge is not available,Borrower shall pay to
<br /> �� Lendcr eash month a sum equal to onc•twelfth of thc ycarly mortgage insur.mce premium being paid by Rorrower when the _
<br /> � insurance covera�e lapsed or ceased to be in effect. Lender will accepi,use:uid retain these payments ns a loss reserve in lieu __
<br /> of rnortguge insurance. L oss rcscrve payments ma��no longer be requircd,at the option of Lcnder,if mortgage insurance —"
<br /> r� covcrage(in the amount mid for the period that Lender reyuims)provided by an insurer approred by Lendcr a�ain bccomes =
<br /> — availabic and is ob��ined.Borro�ver shall psy the pmmiums reyuimd to maintai►�mortgage insurance in effect,or to pmvide a -°
<br />_ � loss rescrve,until thc rryuirement for mortga�c insurance ends in accordancc�vith nny written ngreement benveen Borrower -
<br />__t� and Lender or upplicable law. �
<br /> _� 4. InspectEon. I.endcr or its agcnt may mnkc reasonablc entrics upon and inspections oF the Property. Lender shali
<br /> give Borrowcr notice at ihe time of or prior to an inspectiun specifying rcasonable cause for thc inspection. �
<br /> ': 10. Condeu�nntfan. T6e proccaeds of any a�vnrd or claim for damages,dircct or consequential,in connection with any ��
<br /> � Singlc Family-•I'ann(e Mnc/Etcddic I11nc UNIFURM INSTRUM1IEN7'--Um(ami Covenan�s 4190 Ip�rge 3 nj6 pagesl
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