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<br /> �. Hazard or Prop�rty Irtsurortcc, Borrower shuil kccp thc impr�vcmentR nnw existing ar hereafter erectcd on the
<br /> Praperty in�ured ngainst loss by Fre,tw�ards included within the term "extended cavcrugc"and any other hauieds, including
<br /> floods or flooding,for which I.ender rcquire�s insurnnce.Thiw insurance shull bc mnintulned in thc cunnunta nnd far the period�
<br /> thut L.ender eeyuircs. The insucancecurrlcr providing thc insurance shall be rhosen by Burrower subject to Lender'x uppravul
<br /> which shnll not bc unmusonubly withheld. If Barrawer fuils to mafntufn cuv�ruge descrjbrd ubove, l.ender muy, at I.ender'R
<br /> option.abtuin cavcra�e to pratcct L.cndcr'R rights in thc Praperty in uccorduncc with pum�;ruph 7.
<br /> Att insurance policicw uttJ r��Kw�ls sD�all i�e uc��eptubl�t.� i.ender unJ tih�i11 Includu u st�ndard a�artguge cluuse. l.endcx
<br /> shull have the dght to hold the pol icies smd renawals. [f Isnder requires,Honuwer�;hall pramptly give to Lender ull recelptx of
<br /> puid premiums and renewnl notices.In tlie event of loss,�arrower eltult givc prumpt natice to thc in+urance cArrier nnd I.endcr.
<br /> i.ender muy make praof of loss if not naade pmmptly by Borrawer.
<br /> Unless Lender and Borrower atherwise agrce in writing,insurance proceeds sl�all bc upplied to restorntion or repair of the
<br /> Property damaged.if the restoradvn or repair is economically feusible and Lcnder's security is not Iessened.if the restorutlnn or
<br /> repair is not eronomicnliy feasible a L.ei�der'a securlty would be less�ned.the insurance procccds shall be upplied ta the sums -
<br /> secured by this Stxur�ry Instrument,whether or not then due, with any excess paid to Borrower. [f 8ormwer ubundons the
<br /> Property.or does nok answer within 3U days a notice from I.ender that the insurance currier has offered to settle a claim,then
<br /> L.ender may collect the lnsurance pro�eeds. I.ender may use the proceeds to repair or restore the Property ar to pay sums
<br /> secured by this Securtty Instrument,wherher or not then due.The 30-day gedod will begin when the notice Is given.
<br /> Unless Lender and Bormwer attierwise agrec in writing. any applIcation of pmceeds to principal shall not extend or
<br /> postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or chango the simount of the payments. If
<br /> under para�raph 21 the Property is ecquire,d by Lender.Borrower's dght W any insurance policies end proceeds resulting finm
<br /> damage to the Property prior to the acquisition shall pass to L,ender to the extent of the sums secured by this SeturIty Instrument
<br /> immediately prlor to the acquisiuon.
<br /> 6.Oocupancy,Preservation, Metatenance end Protection of the Property;Borrower's Loan t�pplicatlon;Leaseholds.
<br /> �orrower shall occnpy,establish, and use the Property as Bonower's pr�ncipal residence within sixty days after the eaecutIon of
<br /> this Security Instrument and shaU continue to occupy the Property es Borrower's pcincipal residence for at least one year after
<br /> the date of occupancy.ualess Lendec ot�erwise agrees in writing, which consent shall not be unmasonably withheld,or ualess
<br /> extenpating circumstnnces exist wWch ere beyond Borcower's control. Bonrower shell not desuny, damage or impair the
<br /> Property.allow the Property to deterio►ate,or commit waste an tbe Property. Borrow�r shatl be in default if any forfeiture
<br /> action os prorecding. whether cival or cri►ninal. is begun tbat in T.eader's gaud faith judgmeat eoeld result ln forfeih�re of the .
<br /> Pr+uperty or othera�se materiapy impair the lien created by thls Security Insuument or Lender's secuc�ty interest.Borrower may
<br /> cune such a defauit and reIastate,as provided in paragraph 18.by causing the action or pnocee�ng to be dismisseci with a ruiing
<br /> that, in i.ender's good feith deteaminatbn, preclude.s forfeiture of the Bonnwer's interest in the Property or other material
<br /> impairment of the lien created by this Security Iastru�ment or Lender's securlty iaterest. Borrower shall also be in default if
<br /> Bosower,durfng the loan applkadon process,gave material[y false or inaccurate infarn�ation or statements to L.ender(or failed
<br /> w provide I.ender with any material infamadon)[n connection wIth the loan evidenced by the Note.including.but not Umited
<br /> to.representattons conceraing Borrower's occupaacy of the Property as a prIncipal n:sidence.If thls Securlty Iasuument is aa a
<br /> leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acyuires fce dtle to the Property, the
<br /> leasehold and the fee title shall n�t merge unless L.ender agree.c ro the merger in writin�.
<br /> 7.Ihotedion of Lender's It�g6ts te the Property.If Borcower fails to perform the covenants and agreements contained in
<br /> this Security Instmment.or there is a legal procceding that may significanUy affect I.eadec's rights In the Property(such as a
<br /> procceding in banlwptcy.probate,for condemnation or forfeiture or w enforce laws or regulations).then Lender mny do and
<br /> pay for whatever is necessary to protect the value of the Property and Lender's righta in t�e Property. I.ender's acxions may
<br /> include paying-any sums secured by a lien wlrich hss priorlty over this Se�urlty Instrument, appearing in oonrt, payiag
<br /> reasonable attomeys'fees and entcring oh tt�e Property to make repairs.Although Lender may take action unde�this paragreph
<br /> ?.Lender does noi have to do so.
<br /> Any amounts disbursed by Lenda under this paragraph 7 shall beoome additional debt of Borrower secured by this
<br /> Security Instrument. Unless Borrower � Lender agres to other tcrms of payment, tBes�amounts shall bear interest from the
<br /> d�te of disbwsement at the Note �ate and shall be payable, with interest.upon notice from I.ender to Borrower requesting
<br /> : p8}7116Rt.
<br /> S.Mortgpge dnsuran�.if I.enclerrequired mortgage insurance as a condition of making the Ioan secured by this Se�urity
<br /> Instrument. Borrower shalt gay the premiums requic�d to maintain the mortgage insurance in ePfect. If, for any reason, the .
<br /> mortgage insurance coverage required by L.ende�t lapses or cxases to be in effect,Borrower shall pay the premiums required to
<br />-. obtain cuverage substanrially equivalernt to the mortgage insurance previously in effect,at a cost substantially equivalent to the
<br /> cost to Borrower of the mortgage insurance prevlously in effect. from an alternete mortgage insurer approved by Lender. If
<br /> . substantiatly equivalent•mortgage i�urance coverage Is not available.borrower shall pay to Lender each month a swn equal to
<br /> one-twelfth of the yearly mortgege iasauance premium bcing paid by Borrower when the insurauce coverage lapse�or ceased to
<br /> be Pn effi�ct.Lettder will eooept,use arad retain these payments as a loss reserve in lieu of mortgage-[nsuiance. Loss rese�ve
<br />� form 3028 8I90
<br /> Pape 3 ot B
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