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<br /> ' ' �A S. Hn2adf or Property Insarnnce. 8�rmwer shull keep the impravements naw exlstirsg or hereafter erected �n the _
<br /> � 's Proptny insural aguinst tosa by fim, hnxards inc��uted within thc term"extcnded cavemgc" and Any aher hazurds. including -
<br /> -��;e�• flands nr flcxidMg,fi�r which I.ertdcr rcyuires�insurance. This insurance tihull be maintained in the umounts and for the per�ods
<br /> ,'��m' that I.xnder reyuircw. The insurunce cur�lcr pr�widing th�insurnnce shull be chosen by Burrawer r;ubject ta Lender's upprovnl
<br /> ;:��!`�, which shull ��ot be unrui5onubly withhcld. !f 8nrruwcr fuils ta maintuln covemg�deticrtbai ulwve. Lcnder may, ut I.ender's
<br /> •�r-��.�*� aption.obtain caveruge to protect L.ender's dghte in the Propeny in accardance with pcuagraph 7.
<br /> �" � Att Insurnnse policies and mnewnls shntl t+�aG�rptahle to Ixnder and shall include a standard mnrt�ugt rlause. I.ender L
<br /> '`'`—'`�' 1 shuli have the ri�ht ta hold the poticies und renewuls. If L.ender requires,Borrower shuU promptly give ta l.cnder all receipts of
<br /> '``"''�� paid premiums und renewul notices. in thc event af lass, Burrower shull give prompt�atice ta ihe insurAnce carrier and I.cnder.
<br />�•� Lendcr may make proof af I�ss if�at mnde pramptly by t3orrower.
<br />-�_�.=.::y.?1 Unl�s Lender and Bocrower atherwise ugrec in writing. insurance pracecda shall 6e upplied to restoration or repuir of the
<br /> __,��>�; Property damuged,if the restorution ur repair is ecanomic�lly feusible and I.ender's secudry is not lesserx�.If the restoration or
<br /> �-�:� repnlr�S not ecnnnmically feasih�e or i_cnder•c c�-���iry wa0�i h�lescene�i,tMe incaranee proeeed�shal!be applied to the sums =
<br /> '��� secured by this Security Instcument, whether or not then due, with any excess paid to Borrawer. If Horrower abAndons the
<br /> `'��-- Property.or does nat answer within 30 days u notice from LAnder that the insutance currier hus offered to setNe a clnim.then
<br />=`°�� [.ender may callect the insurance procced.c. I.ender may ase the proceedis ta repuir or restore the Property or to pay sums
<br /> �°� seeured by this Security[nctrnment,whether ur nat then due. The 30-day pedod will begin when the notice is$Iven.
<br /> =-= Unless L.ender and Barrower atherwise agre� in writin�, any applicati�n of proceeds to pr��clpal shail not extend or
<br /> — pastparn the due date oi'the monthly payments refernd to in parngraphs 1 and 2 or change the amount of the payments. If
<br /> �___= under paragraph�l the P�+operty is ucyuirdd by Lender, Borrower's ri�ht ta uny insurance p�ltcies and proceeds resulting from -
<br /> ""�"''m dama�e to the Property prior ro the acqulsition shall pass to L.ender to the extent of the sums sr,cured by this Secur�ty Instr�ment
<br />,:�� immediately prior to the ucquisition.
<br /> --_„�;! 6.Qccnpnttcy,�adop,t�talptepence a�d Protectton o[the Pt•u�rty; Burruwer's Luan Appiicutiun;I.w�uulds. �
<br /> — Borrower shall accupy,establtsh,attd use the Property as Borrower's principal residence within slxty days after ihe execudon of
<br />_=�.-� this Securlty Instrument and shall continue to occupy the Propetty as Borrower's principal restdence for at Ieast one year after
<br /> the date of occupancy,unless L,ender otherwise agrees in �vr[ting. which consent shall not be unre,asonably withheld,or unless
<br /> — extenuating circumstances exist which ur�e beyond Borrower's control. Barrower shall not destroy. damage or impalr the
<br /> Property. allow the Prc►perty to deterfocate,or commit waste on the Property. Horrower shall be in default if any forfeiture
<br /> action or prooeeding. whether clvil or criminfil,is begun that in Lender's gaxi f�iih judgment could resuit in forfeiture of the
<br />- — Property or otherwise matertally impair the lien creuted by this Secudty Insmimeat or Lcnder's secudty interest. Borrower may
<br />"_-- cu�c 5uc1�n�tCfauli n�►d t'cinstate.a�pro�ic3ed i�paragrap�s iS.by r,a�si�g th�action or procx,r,3ing to!x dism�socd Kiih a ruting .
<br /> that. in L,ender's gc�od faith determinatton, precludes forfeiture of the Borrower's interest in the Praperty or other material
<br />��- impairtnent of the lien crestted by thIs Securtty Instniment or L,ender's secur�ty inte►�est. Borrower shall alsa be in default if
<br /> Borrower,durin�the loan applfcation process.gave materially false or inaccurate informatlon or statements to l.ender(or failed
<br /> — to provlde Lender with any matsrfal informatfon)in connertIon with the loan evidenced by the Note.including, but not limitsd
<br /> =� to. representations concerning Borrower's occupancy of the Property as a pdnclpal residence.If this Securiry lnsuument Is on a
<br /> — leasehold, Borrower shaU ,comply with sill d�e pmvlsions of the lease. If Borrower acquires fee title ta the Property. the
<br /> leasehold und the fee dde shell not merge unless Lender agrees to the merger in writing.
<br /> 7.g'rote,ctton of Iander's Rights tn the Property.If Borrower fails to perf'azan the covenants and egreements contained in
<br /> _— this Security Instiucreent, or there is a le�al praceeding thnt may signiflcantly affect Lender's rights in the Property (such as a
<br /> proceecting in bankruptcy. probate.for condemnntion or forfelture or to enforce laws ar nesulations), then Lender muy do and
<br /> pay for whatever is necessary to protect the value of the Property und I.ender's r�ghts in thB Property.Lender's acdons may
<br /> (nclude payin� any sums secured by a lien which has priorIty over this Secayriry Instrument. appearing in court. paying
<br /> - reasonable nttomeys' fees and enterin�un the Property to make repairs.Although I.ender may take action under thIs paragraph
<br /> 7.Lender dces not have to do so. .
<br /> Any amounta disbursed by Lender under thts paragruph 7 shall become udditional debt of Borr�wer secured by this
<br /> Secudty Instcument. Un(ess Borrower und Lender sgret to other terms of payment.these amounts shaq t�ear interest fl+om the
<br /> date of dfsbnrsement at the Note rate and shall be payable. wlth intetest, upon notice from Lender to Botrower myuesting
<br /> payment.
<br /> 8.Mortgege Insutanoe.If L.ender requ{red mortgage insurance as n condition of making the loun secw+ed by this Se�urEty
<br /> Insttument, Bomower shell pay the premiums requtred to maintain the mortgage insurance in effect. If. for any reason. the
<br /> --= mortgage insurartce rnverage reyuired by Lender lapses or ceases tc�be in effcct,Borrower shsU pay the premiuma req�iired to
<br /> � obtain coveruge substandally eqaivnlent to the mortgage insurance previously fn effect. at a cost substantiatty equivalent to the
<br /> — mst to Borrower of the mortgage insurancc prevlousty in effect, from an alternAte mortgage insurer approved by Lender. If
<br /> substantially equivelent mortgege insurance coverage is not available,Borrower shall pay to Ixnder euch month a sum equal to
<br /> - --- one-twelfth of the yearly mort�age Insurnnce premium being paid by Borrower when the insurance coverage lapsed or ceased to
<br /> -- be in effect.Lender will accept.use and retain thesx puyments as �loss reserve in lieu of mortgage insarance. Loss reserve
<br /> -:-°= Form 3028 8190 —
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