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<br /> a. I�a�,a�•d oy f°�o�xt•ty I���;u►•nnce. {�u�ri�wcr shuU t<ecp �i�c Impiuvcn�cnirc nn�v cxistin� on c�rcaRcr crected on thc E
<br /> Property insured usai��st lass by fre, huzairdy included tivi�hin�lie ter�n "extend6d ccwerii�e" and any other haznrds, inci�uJitrg
<br /> floods or flaoding, for which I.endcr rcyuires im:uri►ncc. "I'I�is in,urnnrc yi►c+U l►c mnioluincd in thc amounts und for thc periods .
<br /> that L.ender reyuires. �he insurance enrricr pruvidin�;►he insurmice�i►uU hc ch�+4en hy Aurrower subject to I.ender's appraval r
<br /> which :shall not bc unreasnn:�bly withticld. If Ilnrrciwer fulls tn mufinuin cuveragc dc�crilnd nhove, l,cnder muy, u� I.ender's
<br /> option,obiafn cavcragc to protcct I,cndcr's ri�;hts In thc PropLny in a�rordunrc wl�h p;ircigrnph 7.
<br /> All insurance pollcies und renewids shc+ll he nccGpuihle tu l.�ndcr nn►I „hull i+icluac u titat�dar�l mortgagc clause. I.ender �
<br /> shal!havc thc risht to hald thc rolicics uad renewidti. If I.cndce rdqulres.Hurrnwcr r�hidl prc�mptly give t�Lendcr all receipts of
<br /> paid prcmiums iu�d renewal n�ittces.In Ihc evont uf'lias�, llnrruwer shull Etivc pn►�npt itoti�e ta the insurnnc�e carricr and[.ender.
<br /> Lender may mnkc proof of loss if not mi►dc pmmptly hy F3arrowcr.
<br /> Unless I.ender und 8orrnwcr ntherwisc ugrce an writing, Inyurim�i pri�rccds+hadl hc upplicd to restorntinn ot rcpair of the
<br /> Property dama�ed, if thc restaration nr rcpair iy cconamicidly friyiblc and I.�ndrr's sccurity i��not Ictisr.ned.If thc��estorution or
<br /> rcpair is not economicnlly Ceasible a• L.cnd�r's sccurity would h� Ics�cncd, �he I�tiur��nce procecdti shall be applicci[o the sums
<br /> secured by this Sccurity lnstrument, wheU�cr or nnt tlion dcc, will� uny cxcr.ss paiQ ta Hrn•rawcr. [f Borro�ver abandan.v the
<br /> Property, or does not answcr within 30 dny�;u nnticc from l.cndcr�hut thc in+urimre rnrrier htis offercd ro scttle a cluim,then
<br /> Lender mny collect the insuranoe procecds. L.cnder nury use Ihc proceed� tn repuir or restore the Property or to pay sums
<br /> se,cured by tliis Security [nstrumr.nt,whethcr ar not then Juc. Thv�l)•duy perl�xl wlll begin when the n�tice Is given.
<br /> Unless I.cnder i+nd Aarrnwor athcrwisc i�grce in wrlting, uny u��plicntitm of prckccds to principal Fhull not extend or
<br /> postpone thc duc date of thc manthly payments rcfcrrcd to in pnrrigriiphs I iuid 2 ar chnngc�he nmount of thc payments. 1f
<br /> under paragraph 21 the Proporty is ucquircd by l.ender, 8ormwer'q ri�ht to imy Insuruncc pi�licies nnd procccds resulting from
<br /> damage to tha Pra�erty prior to thc ncquisltion Shall puss to Laxlcr to the cxlcnt uf thc sunts necurcd by thlr�Securlty Instrument
<br /> inuncdiutely prlor to the acquisition.
<br /> 6.Occupancy�Preservation,Meintenance arid Protectlon of th�1'roperty;linrrower'A I.c►�n Appllcation;I.easeholds.
<br /> Borra�ver shal!accupy, establi�h,and use thc Propeny ns Borrower's principnl resldencc wltlihi ylxty dnys c+fter th¢exeriulan of
<br /> this�ecurity Instrument �nd shall continue to occupy the Property us t3orrawer's prlucipul residonce f�r at leust onc ye.�r a�'ter
<br /> the date of occupAncy, unless l.ender otherwise ngrees in wridi�g. which consent s!�ull not ho unreas�nably withheld, or unla�s
<br /> extenuating circumstances exist whtch are beyond Borrower's control, Borrnwer shnll not destroy, dmm�gc or impalr the
<br /> Propeny, allow the Property to detcrioratc, or commlt wAStc on thc I'ropeny. Horrnwcr sliull Ix in dcfuult if uny forfciture
<br /> uction or proceeding, whethcr civil or criminal, is begun thut in Lcnder's good falth Judgment could result in fmfeituro of the
<br /> Pieperty or otherwise materially impuir the licn cre��ted by this Security Instrument��r l.ender'x securlty interest.Bnrrower may
<br />� cure snch a default nnd reinstatc,us providcd in paragrnph 18,by causing the actlon or pr�xectling u�nc dismis�witn a ruiing
<br /> that, in Lender's good faid� determination, prccludes forfeitu��e of the dorrowcr's interest in Ihe Property or other mau:rial
<br /> impairment of the lien created by this Security instrument or i.�nder's sccurity interest. B<irrowcr eliull alno he in default if
<br /> Borrowcr, during the Icun applicution process,gnvc mntcriully falsc or inaccurnte informiUicm or ntutcnwcntx tn L.cnder(or failal
<br /> . to provide Lendcr�vith any material information)in connection with the laun evldenccd by thc Ni►te,Including,but not Ihnited
<br /> to,representations conccrning Borrower'b occupancy of the Property ss n principul resldence. 1P this Sccarlty l�istrument Is on a
<br /> leaseliold. Horrower shull comply with all the provisions of thc Icau, lf Uorrawcr ucqulrcy feo N�Ic a, Ihc Rrapeny, t�s
<br /> leaschold and thc fee titlo shnll not mergc unless Lender agrees to thc mcrger!n wrlting.
<br /> 7,Prota:Non of I.ender'd Rights in the Property.ff'Borrowcr faUa to perfurm the c��veiwntx a►�I agran�entx u�ntainai in
<br /> ' this Security Instrument,or there is a legal �rocsxciing tliat may significantly uffecs Lender'e rlghts In Ilte Pr��perly (such ns a
<br /> . proccedins in bunkruptcy,probate,for crnidcrnnution or farfeiturc ar to cnf��rcc luws ar rcgulatlonsl,tl►en l.c�xlcr may do end
<br /> pay for whatever is�ece�sary to protect tl�e value of thc Property und Lcnder's rlghts in thc Prnperty. I»crxlrr'R uctians may
<br /> include paying any sums secured by a lien whtch lias p�iorfty over this Sccurley Instrunxnt, appanring in court, paying
<br /> resisonuble attnrneys'fees and entering on the Propeny to makc rcpni�s.Although[.�nder nmy tuke uction unct�r this p��ugraph
<br /> 7,I:endcr daes nof have to do s�.
<br /> . Any amounts disburs�d by Lender under this parngrnph 7 shnll bcwmc ncicEltfumil dcbt of&�rrower secured by th[e
<br /> Sccurlty Ynetrument. Untess Borro�vcr und Lender agrce to other tcrms of pnyreicnt, thcso anx�unty Shull bcur intcrcr�t fro►n the
<br /> date of disaursem�nt at the Note rnte and shul! be paynblc, with intcrest, upon noticc from I.cixier to Horruwer requesting
<br /> p�ycncnt.
<br /> g,Mortgage Ins�urance.If Lender requlred mortgsge insurance us n condition of tnnking thc loan sccureQ by this Security
<br /> ' Instrument,Bo:rower shull pay die premiums requircd to mair►tain thc mortgage insuraoce in eff'cct. If, fer uny reuson, tho
<br /> mortgage insurance wvemgc rcquired by I..ender Inpses or ccuscs to bc in effect,Berrrowcr shell puy Il�e pren�lu�n� rcyuire�l to
<br /> abtain covcrage s�.�bstuntially equivalent to tho moetgage incuranae prevtously in effect. nt n cost Fubstnntiully ct�uivulent to�he
<br /> cost to Bonowcr of thc mortgage insurance p�vioucly in effect, from nn alternAte mottguge in�urcr upprovMl by I,c�xlor. If
<br /> • substantially cquivalent mortgage insurance covcrnge is not avnilublc. Bonower shaU pay tu Lc��dcr curh immth n�+um cyuul to
<br /> onc-twclfth of tlie ycurly mostgc�ge insurancc prcmium being puid by Borcower whcn the InsurHncc cov��i�gn lup!kvl or eeusiv�tu
<br /> be in cffect.I..cnder will acccpt,usc and retain thcse payments ns n loss rescrvc in licu oP mortg�►ga i��yur��nco. In►tis icu:rvo
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