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<br /> pedods that Lendar requiree. 'me insurance carrlcr providing tha insumnco shall be chosen by 8orrower subject to L.enderb
<br /> . upprov�l which shntl not be uorea.sonsbly wlthheld. if Borrower faila to maintuin coverog�descri6ed abave.l.ender may.at
<br /> Lender?s option,obtain cove�go to protect Lenderh rights!n the Property in accordance wlth p�rugmph 7.
<br /> All lnsurance palicie�and rennwals shull be acceptnble to I.ender and shuli includo A titnndard mortgage ctuuse. L.ender
<br /> , shall have the right to hold the pol icies and rane.vels. if l.ender trquires.Borrower shult promptly gtve so I.ender uil receipta
<br /> of paid premtums and renewal notices. In the event of loss,Borrower ahull give prompt nodce ro the inRUrance carrler and
<br /> Lender. Lender may muke proof of loss if not made prompdy by Borrower.
<br /> Unless I.ender and Borarower athetwise ascee In wtiting,insumnce pxoceeds shall be npplted to restamdon or repuir of
<br /> �tee Proprrty Mmaged, if the astoration or repair is economically fe�ible and Lender�s securlty is not lessened. If the
<br /> resWtation or repalr is not economicaAly feaRtble ar L.ender� securlry wuuld be lessened.the insurnnce proceeda shull be
<br /> upplied to the sums secured by this Securtty Insmiment, whether or not then due,with any excess ppid to Bormwer. If
<br /> Botrower abandons the ProFseny. or does noi answer wlthin 30 days a nodce from I.ender that the insurance carrier hns
<br /> offered to r,ettle a claim. then Lerader may collect the insurance praceeda. Lender may use tha proceeds to repair or restore
<br /> the Property or to pay sums secured by this SecurIty Instrument,whether or not then due. The 30�day pedod will begin when
<br /> the notice is given.
<br /> Unless l.ender and Bonower othenvise agres in writing. any applicatIon of ptoceeds to princlpal shall noi extend or
<br /> postpcme the due date of�6e monthly payments refemed w in psuagraphs 1 and 2 or changc the amount af the puyments. If
<br /> under paragraph 21 the Propedy is acyuiresl by l.endet,BorcowerSs right ta 3ny insur.�nce pollcies ond pnoceeds resulttt►g -
<br /> fram damage to the Property pdor to the acquisidon shall pass to Lender to the extent nf the sums secured by thls Security
<br /> ]riswment immediately pdor m d�se acquisition.
<br /> 6. Uccupancy, �'reservatiap, rilsintenance and ProtecUon of the Property; Bnrrower•s Loan Application;
<br /> L..easebolda Borrower shdl aaupy,establish,and use the Property as Borroweri�princIpal restdtnce withiti sixty days after
<br /> the execution of this Secudty insuument and shaU conNnue to occupy the Property ss Borrower's principal residence for at
<br /> least one year after the date af accupuncy. unless Lender othena►ise agees In wdtiag, which consent shall not be
<br /> u�ueasonably withheld,or u�less extenuating circumstances extst which are beyond Borrowenc�ontrol. Borrower shaU not
<br /> destroy.damage or impair Ute Propeity.ellow the Propecty ro detedorate.or cammit waste on ths Ptaperty. Boaower shaU
<br /> be in default if any fodeiau�e action or proceeding,whether clvU or criminal,is 6egun that in Lender�good faith judgment
<br /> could nesWt in forfeitur�e of the Property or otherwise materially impair the lien created by this Security Instrument or
<br /> Lender�s security interes� Banower may cura such a default and s�einstate.es provided in paragraph 18,by causing the acUon
<br /> or D�����dlsmissed w[th a ruling thn�in i.ender's good faith dete�mination.precludes forfeiture of the Borrowerb
<br /> intecest in the Property or other matednl impaiiment of ttR Uen cneated by this Security Insaument or I.ender's serurity
<br /> interest Horrower shsill also be in default if Borrower,during the loun application process, gave matedally felse or
<br /> iriuccu�ate information or statements to Lender(or failed to provtde L.ender wIth any muterial informadon)ia connectlott vvtih
<br /> the loan evIdenced by the Note. lncluding. but not Umited to, representadons conceming Bo�rower�s occupancy of the
<br /> Property as a prIncipal residenx. If thia Securlty Instrument is on a leasehold,Borrower shall comply with all the provistons
<br /> of the lease. If Borrower acquire�fee tIde to the Property.the leasehold and the fee title shall aot merge unless Lender ag�es
<br /> to the merger in wrlting.• ��
<br /> 7. Protectton of I,enda's Rights in She Propert�s If Boirower fails to perForm the covenants and agrexments
<br /> contained in this Security Irumiment,or there is a legal proce�dtng that may sig�iticantly affect[.ender's dghts in the
<br /> Pmpetty(such as a proceeding In bankruptcy.pmbate.for condemaatEon ar forFelwre or to enfo�e luws ar regulations),then
<br />_ Lender may do and pay for whatever ia necessary w protect the valae of the Property and I.ender's rights in tha Property.
<br /> L,ender's actIons muy lnclude paying any sums secure�i by a Uen which has priority over thls Security Insuument,appeariag
<br /> in court,gayIng masonabk auomeys'�'ees and entertng on the Pre�perry to make�pairs. Although l.ender may take action
<br /> under this�►aragrnph 7.I.endcrdoes not have to do so.
<br /> Any�nmounta dIsbursed 6y Lender under this paragraph 7 shafl become additional debt of Hon+ower secured by this
<br /> Serurity]nsuumen� Unless Bomower and I.ender agree to other terms of payment,these amount�shall 6ear interest from the
<br /> date of disbwsement at the Note rate and shall be payable,vvith interest,upon noace from I.ender W Borrewer requesting
<br /> payment ,
<br /> 8. MortgAge Insuraatee. If Lender requIred mortgege insuranco es a condidon of making the loan seeured by thie
<br /> Securlty Inswment,Boirower sliall pay the pmmiams requIred to maintain the mortgage tnsurence in effest. If.for any
<br /> reawn,the mortgage insurance coverAge required by Lender lapses ae ceases to bo in effect, Borrower shell pay the
<br /> premiums cequit+ed to obtain coversige aubstantially eqaivalent to the mortgege insurance pravIously in effett, at a cost
<br /> . �uhctandatty equivalent w tlie cost to Borrower of the mortgage insurance prevlously fa effect,fmm an nitemate mortgage
<br /> inaurer appmved by L,ender_ ]f substantlally equivalent ma�tgage instuance coverage is not available.Bomower shaU pay to
<br /> L.ender each month a sum equal to one•twelfth of the yearly mortgage insurance premium being paid by Bomower when the
<br /> insurance coverage lapsed or assed to be in effect. i.ender wetl accept,use and retain th�se puyments as a loss reserve in Iieu
<br /> of mortgage insurance. Loss reserve payments may no longer be reyu[red.at the option of Lendcr,if murtgage insurAnce
<br /> coverage(in the amount end for the pedod that Lender requtres)provided by an insuer appmved by Le�vler esain becomes
<br /> avnilable and is oM�ined Bomower shall pay the premiums required to maintain mortgage insutance in effect,or to prnvide n
<br /> loss reserve,until the requirement for mortgage insw�nce cnds in accordance with any wrltten ugreemenf behvocn Borrower
<br /> and L.ender or appllcable Inw.
<br /> 9. Inspectton. Lenderor its agent may make reasonable entries upon and inspe�tions of the Property. Lender shaU
<br />_ give Borrower notice at the dme of or prior to an inspecdon epecIfying ceasonable caase for the inspecdon.
<br /> _ 10. Condemnatton. 71a proceeda of eny awazd or clatm for damages.direct or consequenNel,in conneeHon with any
<br /> Singk Fa�nity-Flannie MnclFYadGte Mu IJMFORM INSTRpMENT-Unifam Covenanu 9190 Ipage 3 oJ6 pagrs)
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