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<br /> 5. Id�za�•�! ��e Pro�xi•ty (iisurunc�. I�c�rmwcr sliall kccp thc improv�mcnts now exititens ur 4crcaRcr crcctcd on thc �-
<br /> Praperty insurcd agninst loss by �irc, hnr.nr�is included�vithin ttic term "extendcd covcrngc" und�ny othcr huznrds, 3ncluding
<br /> tlnodF nr floa�linr, for wldch IAndcr rcquir�c inyuruncc. This insuruncc shnll bc mnincuincd in thc umounts ai�d for the periods _
<br /> �hut l,cnder reqair�s. The insurunce ciirrier provlding Ihe insurnnce shnll be chosen by D��rruw�er suhjeet to I.ender'�iipproval
<br /> whlch nhall nol t�e unreasnnably wlthheld, If Borrower fiiils to maintnin covernge descrihed uts�vc, l.cnder mny, ut I..ender's
<br /> optiu►i,obtnin ciwcrage to protcct l,c�idcr's rigMs in thc Nmper�y in uccorduncc witl�puri�gruph 7.
<br /> All insurunce �licicti and �newals shull bc r.cceptuble lo l.ender nud shuU include ti sttutdurd ntortguBe clnuse. I.ender
<br /> shull huvc tho right to hold the pultcfes nnJ renew�ls. If L.cnder rc:�uires,florro�vcr shull prompdy�ivc to Lcnder iill receipts of
<br /> paid premiums amd renewnl�mtices.[n the evont of lass,Barrower sh��ll give prompt n�iti�r to the insur,►nce carricr nnd I.ender.
<br /> Lcndcr mc�y makc prc�of�i losc if not madc pmmptly 6y Borrower.
<br /> Unless L.cnder and Borm�ver otherwiFe agres in writing, insurancc procec�is sh�dl be npplied ro restoration nr repuir nf the
<br />, PropeMy damaged, if tli�restantion or repair is economic111y fensible nnd I.ender's security is n��t lessened.If the restoration or
<br /> repxir is�zut economically feasible nr Lender's security would be Iessened,the Insurn�ce proceeds shnll be applled to the sums
<br /> sccurcd hy this Securiry lns¢rument, whether or not then due, with �ny excess paid to Borrower. If Borrower nbnndons thc
<br /> Pmparty, or does not�nsw•er�vithin 30 days u notic�from Lender ttmt the iitisurmue carrier has nfferccl to settle a clnim, then
<br /> l.endcr may collect the insurnnce pracecds. Lender mny use the prace,etl� tn repuir nr rcatore thc Pmperty or to puy sums
<br /> sxcured by this Securtty Instcument,wheti►er or not then duo.The 30-dny pericxl will Uegin�vhe�the noticv is given.
<br /> Unless Lerxier and Horrower othcrwise agrec in writing, any npplication af procceds to principxl shFdl not extcnd or
<br /> pastpone tha duc dAte of thc monthly pAyments refcrreci to in parngrnphs I nnd 2 or chnngc tho amnunt of the psryments, af
<br /> under �arugmph 21 the Property is ucquired by Lender,Borrov�er's rlght ta nny insurance policies und proceeds resulting f�om
<br /> damAge w the Property priar to the acquisition shall pass to Lender to the eatent of the sums secured by this Security Instntment _
<br /> immediately prior to the�cqudsition.
<br /> 6.Occupancy,Prese�vnl�m�, Matnten�ce and Pirotection of thc Property;Barrower's Loan Appllcation;Leaseholds.
<br /> Borrower shnll occupy, estnblish,und use ihe Propeny as Borrower's principal residertce�vithin sixty days after the executian of ,
<br /> this Security Instrument and shnU continne to occupy the Property�s Horrower's principal residence for at lcast one year after
<br /> the date af uccupancy, unless Lender atherwise pgref:s in writing, which consent shull not be unreasanably withheld, or unless
<br /> exte��uating cjrcumstnnces exist which are beyc�nd Horrower's control. Borrower shall not destroy, damage or impair the
<br /> Property, altow the Property to deterinrate, or commlt wuste on the Peopeny. &�rrower shall be in de.fault if nny forfeiture
<br /> aciios�or prn►xecling, whcther civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of tha
<br /> P��mrty�r otf��fwi�e materinlly impair the lien created by thls Security Instrument or Lender's security interest.Borrower mny
<br /> cure such a defaiilt und reinstate,�.s provided in parAgraph 18, by cnusing the nction or proceeding to be dismissed with s ruling
<br /> thut, in Lender's good fnit}� cictcrminatinn, precludes farfciture of the Borcower's Interest in the Property or�ther material
<br /> impnirment of the lier� crcnted by this Securiry Instrument or Lender's security lntemst. Borrower shull ctlso bc in default if =
<br /> Borrower.during the loan npplication proccss,gave mntcrinlly false or inaccurnte information or statements to Lander{or failed
<br /> tu provide I.cnder with any material informntion) in cannection with the loan evidenced by the Note,including,but not limited ,
<br /> ta.representnti�ns concerning Aonower'A occupancy of the Proporty as u principal residence.If this Security Inatrument is ar+a
<br /> lcasehold. Horrower sholl cosnply with all the provisions of the lease. If Bonower acquires fee title to the Property, the
<br /> leaschold ond the fce t�tle ahall not merge unless Lendor agrees to the merger in writing.
<br /> 7.Protectlun of Lender's Rights in the ProperSy.If Borrower fails ta perform the covenants and agrcements contai�ed tn
<br /> thls Securiry Instniment, or there is a legal proceeding tiiat may signifienntly affect L.ender's rights in the Property(sucl�ss a
<br /> ptocceding in bnnkruptcy,probnto. for condemuation or forfeiture or to cnforce luws or reguiations),then Lender muy do and �
<br /> pny for whatevCr is necc.asnry to proiect the value of tlis Prope�ty and [.ender's rights in the Property. I.ender's actions rnay :
<br /> [nclude paying any sums secured by a lien which has pdoriry over this Security Instrument, appearing in court, pAying
<br /> reasonable atto�rnoys'fces and entering on the Property to mukc repairs. Aldiough Lender may take uction under this paragtaph
<br /> 7, I.cndcr docs not have to do so.
<br /> Any sunounts disbarsai by Lender under this paragraph 7 shatl become additional debt of. Bnrrower secured by thls
<br /> Se.curity Instrument. lJnlcss Borrowcr and Lcndcr A�rce to other terms of paymcnt, these nmounts shull brar intecrst from the � '.
<br /> datc of disbursemei�t ac tl�e Note rate and shall be p�ynble, with intcrest, upon notice from I.cnder to Bosrowrr requcsting
<br /> payment. .
<br /> $.Martgege Tnsura�ke.If Leeder required mongage insurnnce As n condition of maki,,Lk��`h�?r.an secured by ihes��rrrirr
<br /> Instrumcnt, 13orrower shall pay the premiurns reyuired to maintain the mortsage insurana::in cffect. If, for any rcascn, �he
<br /> mnrtgage insuranco co•rcr.U�required by L�:nder lap.c•,s or ceases to be in effer•t,Ftarrower shall pay the premiums eeyuir�r]•ta
<br /> obtai�cuveragc subsia�:an11��quivalcnt to thc mortgnge insurunce p►reviously )n�fFect.at a cost substnnti�illy equivalent to thc
<br /> cosT tv B�.rr,Wwer of th� martguge insurnnce previously in effect, from nn vlternate mortguge insurer upproved by Lender. If '
<br /> substan:e�QO�xqoivulent mortgage insurancc coverage is not avai°n4i9z,Borrowcr shull pay to L2mder each month n sum erial to ;
<br /> one-twe1E�rif the yearly mortgnge insurunce premium being pai��y�f3orrower when the insura�.cc cuver�ge,tupsed or ceas�i9lo
<br /> �ae in effect.L.ender will accept,use and retain these�ayments as a loss reserve in lieu of mungase insurnnce. Loss er.s.�a•v¢ �
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