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<br /> S. Hap,ard or Property Insurance• Horrower shall heep tbe improvementa now existing or liereatter erected on the
<br /> _ property [nsured against loss by fire. hazards Includa!within the t�rm"extended coverage" and any other hnuuds, includinE
<br /> floods or flooding.for which Ixnder requires insurance. Thls insurunce shall be maintained in the amounts and for the perioda
<br /> that Lender requires. The insurance c�trler provlding the insurance shall be ch�sen by Bonower subject to L.ender's npproval
<br /> which shall not be unreasonably withheld. If Bonower fs�ils to malntain wverage descdbed above. Lender may, at L.ettder'�
<br /> aptlon.abtain coverage to pmtect Lender's righta[n the Property in accordance with para�raph 7. _
<br /> All insurance polictes and renewals shaq be acceptable to Lender and shall include a stendard mortgage cluuee. I.ender
<br /> shull have the ri�ht to hold the poticies and renewals.If Lender requires,Borrower shalf promptly gtve to L.ender all recelpts of
<br /> pu�d premiums and cenewal notjces.In the event of loss,Borrower shall give prompt notice to the insurance eturier und Lender.
<br /> Lender may make proof of loss if not made prompdy by Borrower.
<br /> Unless Lender and Bonower otherwise agrce in wt�ting, tnsurance proceeds shall be epplied to restoration or rept�it af the
<br /> Property damaged,if the restoration or repair is economically feasible end Lender's securlry la not lessened.If the reswrtUian or
<br /> repair is not economically feasible or Lender's secudty would be leasened,tho jnsuranca proceeds shall be applied to the sums
<br /> ;�,,,;;�;, �y �:s�;,..�s:.:� M�SJNY+��Y��2. �h�.':�. cr zot:l:er. �t�s, •�lr�, s� P.��� �A�d rn Rnrr�wPr. if Bc►rmwer ebandons U�e _
<br /> Property,or does not answer withln 30 days a notice from I.ender that the insurance c�rrler has offered to settle a clalm. thcn
<br /> Lender may collect the insucance proceeds. Lender may uae the proceeds to repair or restore the Property or to pay sums
<br /> secured by this Security Instrument,whether or not then due.The 30-day period wili begin when the notice is given.
<br /> Unless Lender and Bonower otherwlse agrae in wrlt�ng, any application of procceds to principal shall not extend or
<br /> postpone the due dute of the raonthly payments r�ferred to fn paragrephs 1 and 2 or change the amount of the payraenYs.If
<br /> under ptuagraph 21 the Property is acqulred by I.ender, Borrower's rtght to any insurance policIes and proceeds resultinB from
<br /> da�ge to the Peoperty prlor io the�cquisitlon slial!gass ta Lender to thP satent of the sums secured by thia Seturity Instrument
<br /> immediately prior w the acquisidon.
<br /> 6.Occupaucy,Freservatton,Meintenance and Protection of the Pmperty;Borrower's Loaa Appltcation;Leaseholds.
<br /> Boaower shell occupy,establish,and use the Properly as Bomower's princlpal residence within sixty days after the executton of
<br /> this Security Insuument and shall continue to axupy the Property as Borrower's princlpal residence for at least oi�e year after
<br /> the date of occupancy.uniess Lender otherwlse agreas in wtltiag,which consent shall not be�u�reasonably wlthheld, or unleas
<br /> extenuating circutnstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair thC
<br /> Property, allow the Pmperty to deterlorate,or commit waste on the Property. Honower shall be in default if any fotfeiture
<br /> actton oc proce�dtng, whether civil or criminai.is begun that in Lender's govd faith judgmcnt cauld result in forfeiture of the
<br /> Property or otherwise materially impair the lien created by this Security Insuument or Lender's securlty interest.Borcower may
<br /> cure such a default and reinstate.es provided in paragraph I8.by causiag the action or proceeding to be dismissed with a rultng
<br /> that, in I.cs►dcr's goad f�sh deiernussaiion. Freciu�!!� forf'eih�re of the Borrower's intemst in the ProDe1'ty ar other matedal
<br /> Impairment of the lien created by this Security Insuument or Lender's securIty interest. Borrower shatl a[so be in default if
<br /> Borrower.during the loan appllcation pmcess.guve mater�ally false ar inaccurate information or statements to I.ender(or failed
<br /> to provide Lender with any material informatton)in oonnection wIth the loan evidenced by the Note,Including,but not limited
<br /> to�representations concerning Borrower's occupancy of the Property as a princlpal residence.If this Seaudty Instnunent is on a
<br /> leasehold. Borrower shall comply with all the provisions of tha lease. If Borrower acquims fee tltlo to tlte Property, the
<br /> leasehold and the fee dde shall not merge unless Lender agrees to the merger in wrldag.
<br /> 7.Protection of Lender's Rights in the Property.If Borrower feils to perform tho covenants and agreements contaiaed in
<br /> tbis Securiry Insnument. or there is a legal proceeding that tnay slgnificantly affect I.ender's dghte In the Property(such as a
<br /> proceeding In bankruptcy,pmbate. for condemnation or forfeiwra or to enforce laws or regulerions). then Lender may do and
<br /> pay for whatever is necessary to protect We value of the Property and Lender's rlghts in the Property.Lender's actions may
<br /> include paying any sums secured by a lien which has prlor�ty over this Security Instnimeat, appearing in caurt, payin8
<br /> reasonabte attorneys'fees and entering on the Pcopercy to make npairs. Although Lender may take action under this paragraph
<br /> 7.Lender does not have to do so.
<br /> Any amounts disbursed by Lender under tfiis paragraph 7 shall become additional debt of Botrower�ecuured by this
<br /> Security Instrumeat. Unless Bazrower and Lender agreE co other terma of_payment, ihese amowus shaq bear intemst from the
<br /> date of disbursement at the Note rate and shaU be payable. wlth interest, upon notice from Lender to Borrower requesdng
<br /> Payment.
<br /> g,Martgage Insurattce.If Lender requjr�ed mortgage insurance as a condition of roaldn�the loru�secw+ed by this Security
<br /> Instniment�Borrower shail pay the premiums required to maintain the mortgage insureuce in ef�act. If. for any reason.the
<br /> � raortgage insurance coverage required by Lender lapses or ceases to be in effect.Bosower shaU pay the premiums required to
<br /> obtain coverage substantially equivalent to the mortgage insurance prevlously In effect,at a cost substantially equivalent W the
<br /> cost to Borrower of the mortgage insurnace previously in effect. from an alternate mortgage insurer approve�by Lender.If
<br /> substantially equivalent mortgage insurance coverage is not available.Borrower shall pay to Le�tder ea�h monih a sum equel to
<br /> on�twelfth of the yearly mortgage ins�rance premium being paid by Borrower when the tnaurance coverage lapsed or ceased to
<br /> be in effect.L.ender will acoept,use and retain ibese payments as a loss reserve in lieu of mortgage insurance. Loss reserve
<br /> Fo�aoxa aiga
<br /> Pago 3 of 8
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