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<br /> S. Ht�zn��d a• I'�•o�xrty 7►isa��nnce, Borrower shnfl kcep the improveincnts now cxistin�; or herGlfter crect�:d on the
<br /> !'roFcriy insvrcd a�uinst I«ss by (`ire,haznrds included within thc tcrm "cxtcnded covernge" and nny othcr I�azurds, i�cludiug
<br /> floneis or flooding,for which I.endc� r�uires insuraixe. Thls insurance si��ll be maintained in the funounts and for ti�c:periuJ�
<br /> thut l.endcr rcquirGS. 7'he insurnnr.e cnrrier providing tlie insur.tnce shafl be chosen by Darrower subjcct to Lender's uppravnl
<br /> whlch Snnll not bc unrcasc�nably withheld. If Fiorrower fnils to maint�in covcragc described nbovc, Lender nmy, tU l.endc;r's
<br /> option. obtain��aver�gc to proteGt I.,ender's rigtus in tlte Araperty in nccordancc with parugrapli 7.
<br /> Ail insurancc�licics nnci rencwals sh:ill bc ucceptable to Lcnder and shnll includc u stnndard mortgage ctause. Lender
<br /> shall huve the rfght to I�old tlie pulicie9 and renewuls. [f Lender requires.Borrower shall promptly 6ive to L.enciet all receipts of
<br /> paid premiums nnd renewAl natices. In the event of loss,Borrower sh�ll give prompt notice to the insurance carrIer and Lcndor.
<br /> Lender may ntakc praof of loss if not mnde promptly by Borrawef•.
<br /> Unless l.ender and Borrower othe►•wise Agrce in writing, insurance proceeds shall be applied to restaration or repair af the
<br /> Property dumaged,if tl��restoration or rc:pair ls economically feasible and I.ender's security is nat lessened.lf the restoiution or
<br /> repair is not economically feaslble or l.ender's security would be lessened, che insurance proceeds shull be applied to tlie sums
<br /> secured by tMs Securiry Instrument,�vhether or aot then due, with any excess paid to Borrawer. if 9orrower abanctons the
<br /> Property,c�r daes not answer�vithin 30 dAys a notice from Lender that the insurance carrier has offered to settle u cla3m, then
<br /> I.endcr may callect the insurancc proceeds. I.cnder may use the p.racecds to repair or resrore the Property or to pay sums
<br /> securod by this Security(nstrument. whether or not tlien due.The 3U-day period will begin when tlie notice is�iven.
<br /> Unless IPnder and Borrower otherwise agree ir� �vriting, any application of proceeds to principa{ sEt�l1 not extend or
<br /> postponc the due dzte of'the mauhly payments refej•red to in paragruphs 1 and 2 ar change the nmount of the payments.If
<br /> undcr paragraph 21 the Praperty is acquired by Lender. Sorrower's right ta any insur�nce pa�icie.s And prnceeds resulting from
<br /> damage to thc Property prior to the acquisition shall pnss to Lencler to thc r,xtent of the sums secured by this Security Instroment
<br /> immediUtcly prior to tl�c acquisition.
<br /> 6. Qccupancy, Pr�servutton,Maintenauce nnd�otectian uf thc �•operty; Borro�ver's I.oan Appf3rz:'tian;Leusehoids.
<br /> n�r;;T.;•���ti��i�:�ur„p����l��h,�nd uc�rhe Pm,rtie�rry nv R�rrnwer'c prittcipal res'idence within sixtV days ut7er the execudon of
<br /> this Security Instrumcnt and shall cantinue to occupy the Pn�pEny ns Horrowcr's principal residence for at least onz yc,n�•after
<br /> the date of occupaitcy,unlcss I.ender othcnvise�grees in writing, which consenr shall not be umeasonably withhcld, ot u•nlcss
<br /> extenuating circumstances exist which are bcyond Borrower's control. Bonower shall not destroy, damage nr impair the
<br /> Property,allow the Property to deteriorate, or coinmit waste on the Property. Horrower shall be in defai�l t if any forfeiturc
<br /> nction or proceecling, whether civll or criminal,is bagun that in I.ender's good faith judgment could result in forfelture of the
<br /> Property ur othr.rwisc materially impafr[hc licn created by this Security Instrument or Lender's security interest. Bonower may
<br /> csra s:tr.h x�ef�!!�s�ins�.� gmvlde�in�ar�gr�r� 1A,hy c;�l�ci�w th�ncti�n or proceerline to be dismissed with a ruline
<br /> that. in Lcnder's good faith dctermiiintion, prccludcs forfeiture of the $orrower's interest in tf:e Property or other material
<br /> imprurment of[he lien cneated by this 5ecurity Inshument ur Lender's security fnterest. Borcower shall uiso be in defau➢t if
<br /> Borrower,during the loan application process.gave mntcrially false or inaccurate information or statements to Lender(or t'ailed
<br /> to provide iLender with any materinl in+formation)in connection with the lon»evidenced by the Note,including,but not limit�d
<br /> to,represe�:ations concen�ing Borrowei•'s oGCUpancy of the 1'�-aperty ns a principal residence.If t4►ls Securtty Instniment is�nn a
<br /> leasehold, Soirower shnll comply with nll the provisions of the �ease. If Borrower acyuirrs �'ea title to the Praperty, tho
<br /> lcaschold und the fee title shaU not merg�untass I..ender agrees to the mergcr in writing.
<br /> 7. �r�.�teet�an c�f I�e�cler's I���is�i�n the Property.If Bonower fails to�erforra the covcnants and agrccmcnte wr.t�ine3 in
<br /> this Security Instrument, or there is a�e�al proceeding that m�y significi�ntly affect L.ender's rights in the Property(such a,a
<br /> proceeding in bankcuptcy, probute, for condemnution or forfeiture or to enforce laws or regulntions), then Lender may do and
<br /> pay for whatever is ncccssary to protect the value of the Prape►ty and Le�tder's rights in thc Property. Lender's actions may
<br /> includc paying etny surps secured by 3 lien which has priority over this Security instrument, apptaring in court. paying
<br /> rcasonable attorneys'f�;s•and entering�n thc f'roperty to mnke repairs. Although Lender may tnke actton under this parngraph
<br /> %,Lcnder doe,s not have Tm do so.
<br /> Any �mr.unts disbnrsed by Lender under this paragraph 7 sh�ll becnmc additional debt of Borrowcr secure3 �y lhie
<br /> Security Insuumcnt. Unlcss 8arrower and Lender agree to other terms of payment, these Amountv shall bcar interest fipxn the
<br /> date of disbursement at the Note rate c�ncl shall tae p�+yable, with inter�est. upon notice frpm �encicr to Borrawer requcsting
<br /> payrtx:nt.
<br /> 8.Murtgage Insuritnce. if Lender required mortgage insurance as u condition of malcing the loan secured by this Securiry
<br /> Instrumen:. Borrowcr shall pay the premiums required to muintain the mortgage insurance in.offect. If. for uny reason. the
<br /> nwrtguge insurance wveragc required by Lendcr lapses or ceases to be in effat. Bonower sP�il1 pay the premiums rcquired ta
<br /> obtain coverage substm�tially cquivalcnt to the mortguge insurance previously in effect,at a cost substantially cyuivalent to thc
<br /> cost to Bonower of tha n�ortgage insurancc previously in cffect, from un alter;n<�te mortgage insu�+er upprovcd bq Lcncler.if
<br /> substantlally e��uivalene nn�rtgugc insuannce covewage is not availuble,Borrower s�al1 pay to Lcnder cach month�sum equsil to
<br /> one-twelith of the ye:uly mortgage insurunce premiun�lx:ing pard 6y Borrower�vhen the insvzance coverago lapsul or cen�Ed to
<br /> be in effec:t.Lender will ncccpt.use and �rG3in these payment�;as p hoss reserve in lieu of vnnnguge insurance. Loss rese�vc
<br /> Form 3028 9190
<br /> Paea 3 ot 6
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