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<br /> 95 l04'�P�S
<br /> -
<br /> S. Hazs�d or Pmperty Ins�Pence. Barrower shWl keep the lmprnvemcnts now caisting or hercuficr crocted an the
<br /> Property lnsumd A�ainst loss by firc;,haurcda inctuded within the term "extended cavem�e'und any ather hauudY. including
<br /> tloods or flaading.for which[.ender requires insurnnce.This insuranre shntl be mai�tained in the nnmunts und for the perfads
<br /> that l.ertder requires.The insunsnce curricr pn>viJing the inxurunce shull be chosen by Borrower subject t�� i..ender's appraval
<br /> which ehull not be unreasanubly withhcld. If Sarrawer tails ta maintain crnerage de.scdbed ubove, Lender may, at Lender'R
<br /> opdon,abtuin rnverage to protect Lender's rights In the Property in accordance with purugraph 7.
<br /> All jnsurance policies and renewals Rhall be acc�eptable to l,ender and shall lnclude a standard mortga�e clause. I.ender
<br /> ahall have the right to hold the policies and renewals.If Lender requlres.Borrower shal!promptly give ta Lcndcr utl receipte of
<br /> pstid premiwns and renewal notices. In the event of loss.Borrower shall�ive prompt notice to the i�sun►ncc carefc�and Lender.
<br /> L.ender may make proof of loss if not made pmmptly by Borrower.
<br /> Unless Lender and Borrower otherwise agree in writfng,insurance proceeds shall be applied to restorauo�or repair of the
<br /> Property damagal,ff the restoration ar nepair is economically•feasibte and I.ender's secudty fs not lessened.If the restoration or
<br /> repair is not econamically feasible or Lender's securiry would bes lessened,the lnsurance proceeds shall be applied to the sums
<br /> secuted by this Secudty Instrument. whether or not then due. with any excess paid ta Burrower. If Borrower abandons the
<br /> Property� or does not answer within 3Q days a notice from Lender thut the insurance carrier has offered to settfe a clalm. then
<br /> Lender may collect the insumnce proceeris. Lender m�y nso the pmcesds to repair or restore the Praperty or to pay sums
<br /> secured by thts Secudty Instrument, whether or not then due.The 30-day period wIll hegin when the notice is given.
<br /> Uniess Lxndsr and Borro���er othen+:se agree in wr�rieg, eny np�licstlon of prorec�a ro principal shall not extend or
<br /> post�wne the due date oi'the monthly paymentc referred to in pera�raphs 1 and 2 ar change the amount of the payments. If
<br /> � qnder para�raph 21 the Property ls acquired by I.ender. Borrawer's rlght to any lnsuranoe pollcIes and proceeds resultiag from
<br /> damage to the Properry prior to tha acquisition shall pass to Lender to the extent of the s�uns secured by this Security Tnsttument
<br /> immediately prior to the acqulsiHon.
<br /> 6.Occupaacy,Preservation�Maintenancc end Pratectlon of the Prnperty;Borrower's Loan AppAcatiot�Les�seholds.
<br /> Borrower shal!occupy.establish,and use the Praperty as Borrower's pdncipul m,sidence within sixty clays after th6 execution of
<br /> thia Serudty Inurumm�t and shall mndnue ta occupy the Property as Bonower's pdnaipal residence for at least une year after
<br /> the dato of occupancy. unless Lender othenvise agrees in wridng,which consent shQil r�ot be unreasonably withheld, or unless
<br /> extenuating etrcumstances exist which are beyond Barrower's control. Sorrower shall not destroy, damage ar impuir the
<br /> Property. ellow the Property to deteriorate, or commit waste on the P�aperty. Borrower shsll be in default if any forfefture
<br /> action or prooe�ding,whether clvil or crimiasl. ls begun that in L,ender's good faith judgment could result in forfeiture of tha
<br /> Property or othenvise materially impair the tien cmated by thls Securiry Instrument or Leader's security interest.Horrower may
<br /> cure such u default and reinstate.as provided in paragraph I 8,by causing the actIon or proceeding to be dismisse�with a ruling
<br /> thut, in Lender's gaod faith determinstion, precludes forfeiture of the Borrower's interest in the Property or other material
<br /> imp�irment of the lien created by thIs Secur�ty Instcument or Lender's security interest, Borrower shall also be in default if
<br /> Borrower,dur�ng the Loan applicadon process,gave materfally false or Inaccurate informat�on or statements to I.ender(or failed
<br /> to pr�vide Lender with any matedal inforrnation)in connection with the loan evIdenced by the Noto. including.but not Wnited
<br /> to.represenWtions cortceming Borrower's occupancy of the Propeny as u principal resldence.If this Security Instrument is on a
<br /> leasehold. Borrower shall comply with sill the provisians of tha lease. If Bormwer acqutres fee title to the Property, the
<br /> leasehold und the fee dde shall rtot merge unless Lender agc�ees to the merger in wdting.
<br /> 7.Protection of I.ender's Rights iu the Properiy. If Borrower fuils to perform the covenants and agre�ments conteined ia
<br /> this Securlry Inucument,or there is u legal proceeding that may significandy affect Lender's rights in the Property (such as o
<br /> proceeding in bankn�ptcy, pmbate,for condemrwtfon or forfeiture or to enforce laws or nsgulations).then Lender rnay do and
<br /> pay for whatever is necessary to prote�t che vnlue of the Property and L,ender's rights in the Pcoperty. I.ender's aaions may
<br /> Include paying any sums secur+ed by a lien which ha.g priority over this Securlry Instivment, eppearing in oonrt, paying
<br /> masonable nttorneys'fees and enter�ng on the Property to make repairs.Althou6h I.ender may take action under this paragraph
<br /> 7.Lender dces not have to do so.
<br /> Any umounts disbursed by Lender under this parngrnph 7 shutl become additional debt of Borrower secured by this
<br /> Security Instrument.Unfess&�rrower and l.ender agme ro other terms uf payuieut,Utase amoauts aiwii i�u'iuter�l fn�m the
<br /> date of disbursement c�t the Note rute und shall be payable,with interest, upon notice from Lender to Borrower requesting
<br /> payment.
<br /> 8.Mortgage Insuraace.If Lender required mongage insurance as a conditfon of making the loan secured by this Securlty
<br /> Inswment. B.�rrower shnll pay the premiams required to maintain the mortgt�e instuvnce in effect. If. for�ny reuson. the
<br /> mortgage insurnnce wvernge required by I.ender lupses or c�eases to be in effect. Borrower shall puy thc premiums required to
<br /> obtai�n coverage subsrontially equivalent to the mortgage insuranre previously in effect. at a mst substanti�ily equivAlent¢o the
<br /> cost to Borrower of the martgage insurunce prevlously in effect, from an alternritc mortgage insurer appmved by Lencter. If
<br /> subsuuidaily equivalent mortgege insurance rnverage is r�ot availuble.Borrower shall pay to I.ender each month u sum equ�l to
<br /> one-twelfth of the yearly mort�age insuritnce premium being p�id by Borrower�vhen the insumnce covemge lapsrd or ceased to
<br /> be in effcxt.Lender will accept, use and retnin these payrnents as a loss r�eserve in lieu of mortgage insurence. Loss reserve
<br /> wn,►aose a�aa
<br /> P�saea
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