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<br /> S. Hsu.nrd or ProRerty Insuruttce. Borrowcr sliall kcep thc impravc�nents now existi i�ur h��–fi��cdt�d on tho �
<br /> �:aFer:�iasure�±cDelnst le�s by nre. h?�nrci�ineiucieti within tite icnu "a;�tc��dc;l cayerag:." and r�ny athe,–ha:.�utl::, !ncluding _–
<br /> fla�xis ar flooding, for which I..cndcr rcyuires insur�ncc.This insurancc shall bc maintuincd in thc ntnountx nnd for tiie peri�ds
<br /> that I.�:nder requires. The insurnnce carrier providing the ensurance shall t►e choscn hy Dvrrower subjoct to I.ender's appruvnl
<br /> which shall not bc unreasunnbly �vithheld. If parro�ver fails to maintuin wveruge described nUuve, Lender nu�y, :xt [.ender's —
<br /> optlon, obtain coverage to pr�tect L.ender's right::in the Pruperty in uccordiuue with paeagraph 7.
<br /> All insurance policies und renewals shuU bt�acceptable to Lender nnd shall include a stundurd moR�nge cluase. l.e:nde� —
<br /> shall have the risht to hold the p��licies and renewals. If Lc:ndcr requires,Borrower shiill promptly give to l.cnder all reccipts of —
<br /> paid premiums and rene��s�l natices. In the event of lass,Barrower shall give prompt notice to the insuranc�carrier and Lender.
<br /> L.ender may make pr�of of loss if not made promptly by Borro�ver.
<br /> Unloss l..cndcr and liorrower otherviise aQree in writing,insurnnce pracecds snnll be upplied to restorution or repair of the
<br /> Property damaged,if die restoration ar repair is economically feasibla nnd l.ender's security is not lessened. If the restoration or °
<br /> reQair is nat economicaily feasible ar l.ender's securiay�vould be lessenal,the insurance procee;ds shall be upplied eo the sums
<br /> s�:cured by this Security Instrument, whether ar nnt ttten dua, with any excess paid to Burrower. If Ho�rower ab:sndons the
<br /> P�porty,or does not answer within 30 days a natice from I.ender that the insurance carricr has offcrcd ro scttte a claim,d�en
<br /> �.ender may callect the i��suranca procc�ds. Lender mny use the proceecls ta repair or restore the Property or to pay sums
<br /> s4cured by this Security Inst�vment.�vhether or nat then due.'�he 30-diry period will begin wh�En the notice is given.
<br /> LJnless Lender and Borro�ver othertivise a�ree in writin�, eny epplicati�n c�f pror.eecls ta principal shall not extend or �
<br /> pastpcene the due date oi the monti�ly p�yments referrcd to in paragraphs l and 2 or chang:: the amaunt of the payments. If
<br /> �snder paragraph 21 the Property is acquinzd by Lender.Borcower's right to any insurance pnlicies and proceeds rcsulting from
<br /> damu�e to tha Property prior to the acyuisition shall pass to Lcnder ta tlie eatent of the sums secured by this Sccuriry Instrumen� _
<br /> immeaiately prior ta the acquisition.
<br /> 6. Occupnncy,Pre.servat[on,Muintenttnce und 1'rotectlon of t9�e 1Rrnperty; Rurrower's➢.oan Applicatio►t;if.txsseho9�7s.
<br /> �turrower shall occupy,establish,and use the Property u ESUrrower's principal residence within sixty days after tls��xecution of
<br /> t31is Security Instrument nnd shall conunue to occupy tUa Property as Borrower's principal resIdence for at least une ye.1r ufter
<br /> the dnee of occupancy,unless Lcnd�r otlierriis:agrees in writing, which consent s6ull not be unreasonably withheld,or uniess
<br /> extenuating circumstances exist which nn. bey�nd Borrower's wntml. Aorrower shal! not destroy, damage or impair the
<br /> Propecty, allow the Property to deteriorate. or commit waste on the 6�`roperty. Bonower shall be in default if uny forfciture
<br />" o�ri�� ��Cr„r..wijno, whrrh�r�i�il or criminal; is beeun thut in Lender's¢ood faith iudcment could result in forfeiture af the
<br /> Pmperty or othenvise mateiially impair the lien created by this Security Ins[niment or Lender's security interc.ct.Eorrower may
<br /> cure such a dcf'ault and reinst�tte,as provided in paragraph 18, by causing the actIon or pro�ceding to be dismissed with a ruling
<br /> that, in Lendcr's good fnith determination, precludes forfeiturc of the Borrower's interest in the Property or other rekltcrial
<br /> impairnient of dia lien creutecl by this Securiry Instrument or Lender's security interest. Borrower shall also be in default if
<br /> Rorrower, during tho loan application pracess,gave mntcrnally false or inaccurnte infarmation or statements to Lencter(or fallod
<br /> tcr provide [.ender with any material information)in wnnection with the loan evidenced by tha Note, including,but not limited
<br /> to,representntions concerning Bonawer's occupancy of thc Propeny as a principal �sidence.If this Security Inssrumeni is on a
<br /> leasehold, Aonower shull comply widt ail the provisions of the lease. If Borrower acquires fce title to the Property, the
<br /> ' leakh�ld and the fee title shull not mergo unless Lendcr ngrees to the mcrgcr in writing.
<br /> 7.Protectton ot I.ender's Right�in the Property.If Bonower fails to perform the covenants and agrcements contained in
<br /> this Security Insuument,or ther�as a legal proceeding that may signific:u►tly affect Lender's rights in ttte Property (such as a
<br /> proceeding fn bankrupicy, probxie, for condemnation or forfeiture or to enforce laws or regulations). then Le�nder may do a�id
<br /> pay for whutever is necessary to protect the val�ie of the Property and Lender's rights in the Property. L.ender's actions may
<br /> .• �•.,. �.__ . . . ..._. • ,.._._._..,.... ..,,r:� .�.. ..o..s..,, –
<br />� li1CIUt�C �aytOb tiDY �UUIv �a:�itcxi vy ai ua� wi�i�u .� yi��n�iy O'vdi iiii� .w�.ditiy uw�av�,..,.... «t:7..».�..a •..�..... i...�...o �
<br /> , rcawnable ettorneys'fees and enterirtg on the Properry to make repaire. Although Lender may takc uction under this puragraph
<br /> 7.I.ender docs not have to do so. .
<br /> Any amounts disbursed by Lc�xicr undcr this paragraph 7 shall b�xomc additional debt of Boaower securtxl by this
<br /> Security Instrume�u. Unless Horrower and I.,ender agres ta other terms of payment,tbese amounts shall bear interest from the
<br /> datc of disbursement at the Note ratc n:xi shatl be payablc, with intemst, upon noticc from Lender to Bomower requesting
<br /> � payment.
<br /> S.Mortgoge Insurane�.if Lender required mnrtgnge insuranco as a condition of niuking the loan sccured by this Security
<br /> � Instwncnt, Borrower shall pny thc premiums required to maintain thc mortgagc insurunce in effeci. If. far uny rcason, the
<br /> mortgoge insur.ince coverage requiral by I.ender lapses or cease:s to be in effect, Borrower shall pay the premiums requirod to
<br /> obtein wveraae substantially equivalent to the mon�age insurance previr,usly in e�'fect,ae u cost substantially equivalcnt to the
<br /> � cost to Bonvu;:r af thc mortgage insurance previously in cffi;ct, from an a{tcrnate mortgage insurcr approved by I.cndcr. If
<br /> substanti�ily equivalent mort�ge insurance coverage is not nvailnble,gonower sh�ll pay to Lender each rnontU a sum equal tu
<br /> , one-t�velfth of the yearly mortgage insurnncc premium being paid by Borrowee whcn the insurar.ce coverage lapsec�mr ceasai to
<br /> ; be in effect.L,c�zder will accept.use nnd retain these payments as 1 loss reserve in lieu of mort�age insumnce. Loss reserve
<br /> ' Form 3028 8190
<br /> , P�fle 3 of 8
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