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<br /> S. Hazacd or Property dnsurunce. Barrowcr shall kesp the improvcrttents nov� cxist�nII on c�reufter crected on the
<br /> Property insured Agofnst losR by tire. htuards included within the term "cxtended covcrage" und uny other hazArda, fncluding
<br /> ttoods or flocdin�. for whtch Lender requires Insuruncc.This insurancc shali bc maintuined in the nmaunts and for the periods L
<br /> thc�t 1.eRder rea�uires.Tha insurance c.arr[er providing thc insurnnce shull bc choscn by Borrc�wer subjcet to l.ender's appro�ol
<br /> which fih�li not be unreasonnbly withheld. If Barmwer fuils ta malntuin covcriige dcscribed ubove, l.ender muy, ut I.endcr'�
<br /> optlon.obtain caverage to prate�t Lender'x rights in thc Property in accarduncc with parosmph 7.
<br /> All insurance policicx nnd renewals shuil bc arceptnblc to l.ender mid ehull include u stnnJard murtguge clause. I.cnder
<br /> ehu1l hnve cho rlght ta hntd the paticiex and renewuls. If Lender rrqulres,Born►wer�hnll pmmptty give to l.ender ull e�eceiptti of
<br /> paid pmmium�nn�1 rcnewnl nn�tces.I�tlie event of toss,Eiarrnwcr xhnll give prampt not3re ti�the insucunce carrier unsf I.cnder.
<br /> l.cnder may mukc praof uf loss if nat mado promptly by Bormwcr.
<br /> Unlcs»l.ender a►uf Borrower athcrwic,e ugrcc in writing, inaurnnc�prooeccle�;hall be npplicd to restorntion ur rcpair of the
<br /> Propertyr dmnagod. if tha restotutian or repnir!s ecanamtr.ully fea.gibic and Lender'g security ia not tessened.[Q'the restnration or
<br /> rCpalr is nut ecc►numicully feasible or L.ender'x securtty would be Ie�.sened. thn insurnnce proceeds shall be applied to the sums
<br /> secured by this Secu�ity Instrument, whether or not then due.with any excess paid to Borrowee. If Borrower ubandons the
<br /> Property.ar daes nut answer within 30 days u notice from I.ender thut the insumnce carrier has offemd to settle a ctaim.then
<br /> I.ender mny coltect tha tuauetuxe prciceeels. Lcnder may usc the proceeds tn repair or reston the Property or to pay sums _
<br /> secured by this Stxurity Instrument.whether ar rtot then due.The 30�day period will begin when the notice iA given.
<br /> Unless Lender and Bomower otherwise ugrec in writin�, uny appllcution of procceds to principal shnll nat extend or
<br /> postpone the due date of the monthly payments refern:d to in parngraphs 1 and 2 or chanse the amount of the payments.!f
<br /> undcr paragreph 21 the Praperty is acquired by Lender.Borrower's risht to any insurance policies and ptr,ceecls resulting fmm
<br />� damage to the Property prior to the acquisitian shnit pass to Lender to the extent of the sums secured by this Security Instrument
<br /> immedlately prior to the acquisltion.
<br /> 6.Oceupancy,Preservadon,Maintenance and Protection of the Propertyi Sorrower's[.oan Application;Leasehold9.
<br /> Socrower sball occupy,establ[sh.and use t#�e Propercy as Bonower's principal residence within stxty days etter tha executlon of
<br /> this Securiry Instrument and shall continue to accupy the Property as Borcow�r's pxlnclPal resldence for at least one year after
<br /> ttnc date of aacupancy, unitss Lender otherwls.-,e�rees in�vriting. which consent shall not be unreasonably withheld, ar unless
<br /> cxtc�iiiniin�cir��uinstaac�s �zist K�cls �rc beyu� Borra:�rer�s ronirol. B+!r!rwer sha11 not desuoy. damnRe or imPair the
<br /> Property, allow the Property to deter�orate.or comrrtit waste on the Pro�erty.Borrower shali ba in default if any forfeiture
<br /> acdoa or proceedtag,whether civtl or criminal, ia begun that in Lender's good faitl�judgment cauld result ln forfeiture of the
<br /> Property or otherwise�nater�ally impair the lien creuted by this Security Insuument or L�nder's security interest.Borrower rnay
<br /> cure such a defuult and reinstate.us provIded in paragreph l8. by causing the ection or proceadin�w�dIsmissed with a cuiin�
<br /> that, in Lender's good faith determination, precludes forFc{ture of the Borrower's interest in the Propsrty or ather material
<br /> impaisment of the lien create�l by this SecurIty Instrum�ent nr Lender's securiry interest. Borrower shall also be in default if
<br /> Bortower,during the loan upplicution pracess,guve maeerielly false or li�accurate infom►ation or statements to L.ender(ot failal
<br /> to provtde Lender with any�naterlsl information)1�connectiwn with the loan evidenced by the Note,including.bat aot limitod
<br /> to,re�resentattoas concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on�a .
<br /> leasehold, Borrower shull comply with all the provisions of the lease. If Bperower�acquires fee title to tht Property. the
<br /> leasehold and the fee title shall not merge unless Lender agrces to tho merger in writing.
<br /> 7.Protectloz�of Lender's Rlghts in the Property.If Borrower fails to perforrn the covenants and agreements contained ir�
<br /> thia 5ecurity Instrument, or there is u legal proceecling thut muy significandy atfect Lender's rights in the Property (such as a
<br /> procec�ing�n bankrupiay.probatc,for wndemnatton or forfeiture or to enforce laws or reguludons).then Lender may do and
<br /> pay for whatevet is nsoessary to protect the value of the Property and I.endez's rights in the Property. Lender's uctions ma,y
<br /> include ps►ying�any siuns seeured by a lien which has priodty over this Securiry Inshument. nppeacing in court, paying
<br /> reasonable attomcys'fces nnd enter�ng on the Property to mako repairs.Although Lender mny take action under this parngraph
<br /> 7,l.euder does noY have to do so.
<br /> Any eraounts disbursed by Lender under this paragraph 7 shell become addidonul debt of Bnrrower secured by this
<br /> " Security Instrument.Unless Aorrower acnl IxuJer agrcc to ailtcr tctms of paymcna.the�.e ssntounts sha!!bear interest from the
<br /> date of dtsbursement at the Note mte and shat!be payable. with interest,upon notice from I.ender to Borrower requesting
<br /> payment. �
<br /> 8.Mortgege Insuranee.If Lender requiced mortgage insurance as a condltion oi makjn$the loan secused by ihis Security
<br /> Insnvment,Borrower shall pay the premiums rcquired to maintain the mortgsge insusance in effect. If, for any renson. the
<br /> rnongage insurectce coverege requi�ed by Lender lapses or ceases to be in effect.Boreower shali puy the premiums required to
<br /> obu►in covera$e substantiully equtvatent to the mortgnge insuranee previously in effect� at a cost substitntially equivalent to th�
<br /> cost to Borrower of the mortgage insurance previously in effect,from an alternate mortgoge tnsurer appmved by Lender.If
<br /> substsntlally equivulent mortgage insurance covemge is not available.Borcower shall pay to l.ender each month u sum equal to �
<br /> one-twclM of the yes�rly mortgage Insurance premium being paid by Borrower when the insurunce coverage lapse8 or ceased to ,
<br /> tx in effect. L.ender will eccept.use c+nd retuin these paymems as a loss reserve in lieu of mortgage insurar.ce. Loss reserve
<br /> — ' Form 3028 3180
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