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<br /> ;�� H�y,rd or property insurance. Barrowcr shn11 kcep the improvcnxnte now cxi�:ting an c�rcuttcr crecteci un tho
<br /> pmperty insurod uBuinxt lusx by tim, hwurdx inciuded within the term "cxtenda!mvcrugc" und nny �ither hu�ordH. {ncluding
<br /> flax{x ur Daxii�ig.far�vhlch Lcnder requireg intiurunce.Thia insurunce shull be rnaintulned in the umnunts und far tha periodK
<br /> that I.ender requir�s. Tho insurance currte�providing the insurnnce shall be chosen by Surcawer �ubicct tn Lender's appr+�vul _
<br /> which whall not bc unreusanubly withheld. If Barrawer Pafls to maintuin sovemse describcd abc�ve, l.ender muy. nt l.crtder'F
<br /> optlan.aUtuln cov�ruge ta pratect Lender's rlghts in the Property in uccordunce with purogmph 7.
<br /> All insurunce policics und renewuls s,hall be acceptuble to L.ender and shu11 inslude a standard mortguge cluuse. Lender
<br /> shall have the�ight to hold the pollc{es and renewais.lf Lcnder requires.Bomowet shall pmmptly give to Lender ail cr.celpta of
<br /> pu{d premiums xnd renewnl notices.In the event of lass,Borrower shall givc prompt not�ce to the insurunce currier and l.ender. i
<br /> Lender may muke proof of loss if not made promptly by Sotrower.
<br /> Unless l.ender tsnd Borrower atherwise ngree in writ ing, Insurance praceEds shslt be upP�ted to rrsturation ar repair of the
<br /> property dantagod.if the restoratton or repair is c�conomicailly feasible artd l.ender's securiny is not lasenaf.If the restoratian or
<br /> repair ts nat economically feasible or Lender's secudty would be lessened,the insurame proceeds shall be applied to the sums
<br /> Secured by this Security Instcument, whether or not then due.with any excess paid to Barrower.If Borrower ubar►dons the _
<br /> property, ar does not answer wtthin 30 days a notice from Lender that the insuranc�carrier has offered to settle a claim. then
<br /> [.ender may coll�ct the insurance proceecls• i.euder may us, the proc�ds to repair or restore tbe Property or to pay sums _
<br /> secured by this Sexu�3ty Instcument.whether or not then due,The 30-day perlod will begtn when the nodce is�iven.
<br /> (Tnless L.endcr and Borrower othenelse asree ln writing, any npplication of proceeds to pdncipnl shal! not extend ar
<br /> postpone the due date of the monthly payments referred to in puragraphs 1 and 2 or chenge die amount of the payments. !f
<br /> under paraBraph 2 t the Prope��e acquisi�tl n sh 1 pass tBo i�.e der to the excent of the sums secured by this S�urityi instrument
<br /> damage to the Property p
<br /> immediately pdor to the acquisition. _
<br /> 6.Occupancy,Preser�'ation,Maintenance end P�tection of the Property;Borrower's I.oan Applicattan;I.caseholds.
<br /> Borrower shalt occupy.establish,and use the Property as Bomower's principul residence wlthin sixry days after the executlon of
<br /> this Security Instrument and shall continue to occuny th�Property as Borrov�'er's principAl resideme for at least one year aRer
<br /> the�iate of occupancy,unless Lender otherwise asrees in�vr�tin�. whlch consent ahall not be unreasonnbly withheld.or unless
<br /> extenuAtirig Circumstances exisi wi�ich are tseeyond Bo�zou^�='s cQatr�!• Ben��'+'?r ahall not desaoy, damaxe ar impair the
<br /> property, allow the Property to deteriorate,or commit waste on the Property. Borrower shall be in default if any forfeltun
<br /> actIon or proceeding,whether civil or crin�nal. is begnn Ihat in I.ender's saod faith judgment could result in forfelwte of the
<br /> pruperty or otharwise materfally lmpair the tien ereated by this Secudty Instcument or Lender's seG►rtty interest.Borcow�r may
<br /> cure such a default a»d reinstate,as provided in paragraph 18. by causing the action or pra�lln8 to be dismissed wtth a tuling
<br /> that. in Lender's good faith determtnadan, precludes fvdeiture of the Burrowcr's Intemst !n the Property pr otder materlal
<br /> impairment of the lien created by this 5ecurity Instrurticnt ar Lender's secudty interest. Borrower shalt also be in default if
<br /> Borrower.during the loun applicatton process,�ave matedully false or inacturate(nfonnatlon or statements to lxnder(or failed
<br /> to provtde Lender with any matedal infomwdan)in coa�ecdan wlth the loan evidenced by the Note, including.but not limited
<br /> to.representutions concerc►ing Borrower's occupancy of tlu Property as a prtncipal residence.If this Security Instrument is�n a
<br /> Icusehold. Borrower shall comply with all the provisiom of the les�se. If B�rrower acquires fec tide to the Property. tlia
<br /> , leasehald sutd the fee title shall not merge unlesa I.ender agrees to the merger in writing. _
<br /> 7.Protectton af I.ender'a Rishts ln the Properly. If Borrower fails ta perform the covenants and agreemeata contained In
<br /> thls Security Instrutnent. ar there Is a legal proceeding tiwt may slgnificantly affect l.erider's rtghts in the Property(sach as a
<br /> proceeding in bankruptcy.prabate,far condemnation or torfeitur�e or to enforce laws or regulatlons).then Lender msiy do and
<br /> pay for whatever ts neressary to prote�t thc value of ttie Property and Lender's cights in the Property. I.ender's acdorts may
<br /> include paying eny sums secured by a lien wl�lch has priodry over this Security Insuvment, appearing in court, payiag
<br /> reasonable attomeys•fees and entering on the Property io mulce repairs•Althou�h Lencier may taka ncdon under this paragcaph
<br /> 7,Lander does not have to do so.
<br /> Any amounGs disbursad by Lender under this paragraph 7 shail becomc additionai debt of Aorrower secured by thia
<br />� Stxurlcy Instrument.Unless Borrower and I.ender agree to other tem►s of pay�uu►t.U�eae c{mnounts shull bear interest from che �
<br /> date of disbursement at the Note tate sued shall be payable, wtth interest. upon nodcci from Lender to Bomower�equestiag
<br /> puyment.
<br /> 8.Mortga�e Insurance.If Lender mquired mortgage insurance as a condttion of making the loan secured by this SecurIty
<br /> Instrumcnt, Honower sh�ll pay the premiums required w maintain the mortga6e insuranoe in effect. If. for any reason. the
<br /> mortgage insurance coverage required by I.ender tapses or ceases to be ia effect,Borcower shall pay the premiums required to
<br />- obtain coverage subswntially equivalent to the mortgege insurance prevtously in eftect. at a cost subatentially equivalent to the
<br />° oost to Borrower of the mortg��e insurance previously in effect. from an altemate mortgage insurer approved by I.ender.If
<br /> substanrinlly equivalent mortgage insurnnce coverage is not available. Borrower shall pay to Lender each month a sum equat to
<br />= one-twelfth nf the yeariy mortsage insurance premium being paid by Borrower when the insurance cuvernge tnpsed or ceased co
<br /> _i be in effect.Lender will accept,use und retain these payments as u loss reserve in lieu of mortgage insurance. Loss reserve
<br /> Form 3028 9180
<br /> � Papo 3 ot 0
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