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<br /> 3. IRarc��•d oa• I�'ra�iti�iy It�Sin�iuue. Ilurru���cr nliull Iccdp titc iiiip�rovcnicnts nn�v cxiytin�; on c�reaflc�• c�'cctc�f o�� thc —
<br /> Vrnpsrty h�tiurc�l u�Rzdm,t In:;.r by lii�e, hurnrd�, incfudc�l wuhin Ii�c Icrm "cx�cndcd ruv�:uipc" ;u�d nny nthcr li:�ra►ds. Includin;; E:—
<br /> flun�ls��r tl+willug, fnr�vhich I.ci�d��r rci�ulrcti iuyur�mr�. 'I'hi.r insut•i�ncc�+holl br maintainctl in ihc uuunwi�.i�n�l fd�r thc perinds
<br /> tha► l.��ndcr requlreti. '1'Or inrumncc c+irrlcr p�•ovliling thc ins�u•iincc tihnll hc cl�a�cn hy liorru�vcr ,ubJ�ct lu I.cndcr'S i+pprovnl _
<br /> wl�f�h �+huU nnt bc unrinsnnubiy tvitiih�IQ. If H��rmwcr iiifls to ntt�lutitlit ruvuru�}c dn�cr�hcai uliovc, i�ndcr �m�y, ��t �.citde�'s •
<br /> uptiun,��btidn covcr;�ga to prui�ct L.�ud�r's rights fn thc f'roperty hi uccnrd+mcc:wUh��ur+i�rap{��.
<br /> All Inrur��ncc p+�lirlcy m�d r�new��ls yhnll hc ucrcptnbla to Lcndcr nnd yhnll includa a suu�durd mi�rt���f;o cluuf�, l.�ndcr
<br /> c�hnll h�rvc tl►c right to hold tf�c�xilicicti und rencwuls. If I.cndor requircs, Horro�vcr tihnll promptly givc to i.cndur r�H�u�oipty of
<br /> p;dd preuiiums nnd renownl ni�tic�cs. in thc event of loss,Bnrro�ver shnll give prompt nodee to ihu in�ur.►ncc currier and L,ender.
<br /> l.cndcr miry ntakc prcwf of Ictiss if not mndc promptly by Borrower.
<br /> �lnlesv Lcndcr nnd Hnrrowcr otl�envisc nsrcc in writinb, insurance procecds shull bu upplicd m restoratinn ar ropair of the
<br /> Property damugcd, if the restorudon or repalr is ecanomically feasihlc and Lender's securiry is not lessened. If thu restcrration ar
<br /> rcp�ir is not ccanomic:�lly fc�GSiblc or L,endcr's sccurity would bo Iessened,the insurance proceeds shall Ue appliwil to the sums
<br /> sccured by this Sccurity Instrument, whethcr or nnt then due, with any excess paid to Borrower. If }?orrower abnnd�ns the
<br /> Property,or docs nqt answcr within 30 days a notice from Lcndcr thnt tho insurance carrier h►�.s offured tu settlu a clnim, then
<br /> I.ender may collect the insura�tce proceeds. Lender mny use the proceeds to repair or resrore the Property or ta pay swns
<br /> securcd by this Security Instrument,whether or not then due.The 3U-day periocl will be�in when ti�e notice is givan.
<br /> Unless Lender and Borrower otherwise agrec in writing, any application of proceeds to pri�icipal shull not cxtcnd or
<br /> postpanc thc due date of thc►nonthly payments referred to in pt�ragraphs 1 and 2 or chnnge tlto amaunt of the puyments. If
<br /> under paraorapli 21 the Propeny is acc�uired by Lendcr,Borrower's right tu any insumnce policiss und procecds resulting from _
<br /> dstmage to the Property prior to the acquisitior��hall puss to Lender to the extent of tha sums secu�d by this Sec�rc3ty Instrument _
<br /> immediutely prior to the Acquisition.
<br /> b.OccupAncy, Preservatiun,:�:!ainee�nu�a�rnd�ra2�.�luon of the i'ro��rty;Eoera�ver's�nn A.�plicutiun� Lenseho".rds.
<br /> Bonower shaq accidpy, establish,and use the �'ro�erry as Borrowee's pri�icipal residence within sixty�a��s after the execution of
<br /> this Security Ie�stniment and shall continue ao occupy the Property as Borrow�r's princa�al residence�;�r at least one year after
<br /> the dnte of occupancy, unless Lender othenvise agrees in writing, whf�h consent r��n?�n��t be unreasonabfy withhelct, vr unless
<br /> catenuatin�; eircu►ristunces exist which are beyond ��r���ver's control. F��1TpWC[ s;�;i11 not destroy, damage a�r impair the
<br /> PrupciKy, allow the Properiy fm.;r.teriorate, or colm»t waste on the Pmperiy. Bor,v�ver shull be in default if nny forfeiturc
<br /> action or procceding, whether civil or criminEll,is begun that in Lender's good faith judgment could result in forfeiture of the
<br /> Property or otherwisc materially impair the I;�;n created by this Security In�trument or l.ender's security interest. Dorrower may
<br /> cur�snch a default and ieiasiate,as orovided�D U�3fLttiAh�H,by causin�the Action or proceeciing to be dismissed with a ruling
<br /> that, in Lender's good faith detennination, prer.ludes furfaituse of the Bortowcr'� interest in the Property ar other.rnxterial
<br /> impairment of the lien cre�Zed �+y lhis Securaty Instrum��n¢or Letider's security inter�:sZ. Borrower shall also be in defuult if
<br /> Borrower, during the loan flpptication prooFSS,gnve materially false or in�ccurate information or statements to I.ender(or failed
<br /> to provide L.ender with anp mniei�al informe2:�on)in connection with tho iaan evidcnced by the Note.including,but aot limited
<br /> to, representations conceming pnrrower's occupancy of the Property as a prinripal residence.If this Security Instniment is on a
<br /> lensehold, Aonowcr shatl comply wlth ail the provisions of the leasc. If Homo�ver acquires fce title to t1� Praperty, the
<br /> lcusehold:tnd the fec title shall not merge untess L.ender�rees to thc mergcr in writing.
<br />, 7.Protection ai i.ender's Rights In the Property.If Borrower fails to perform the covenants und agr�ements contained in
<br /> this Sccurity Instrument,ar tiiere is a legal proceeding thnt may signiCcantly�ffect L.endcr's ri6hts in the Progcny (such as a
<br /> proceedins in bunkruptcy, probate, for condemnation or forfeiture or to eaforce lnws or rcgulutions), then I.ender may do and
<br />' pay for what�ver is neccssary eo protect the value of the Property and Lender's rights in the Propr:rty. Lender's actions may
<br /> include paying any sums secured by a lien which has priority over this Securicy Instrt�mcnt. appearing in cour¢, paying
<br /> rcasanable sttornays'fces and entcrin�on•the�Property to makc repairs. Although i.ender may take actian undcr this paragraph
<br /> i,�cnucr aoes nn�n�vc iv uv�u.
<br /> Any nmountc� dir,bursed by L.endcr undcr this nuasraph 7 shalt becon:a udditional debt or' Borrawer sec;ure�f by this
<br /> Sscurity Instrument. Unlcss Bonowcr nnd Lendcr ag�rc to othcr terms of paymcnt,these amounts shull bear intcrest from the
<br /> datc of disburacment ut tlie Note ratc and shall be payable, with interest, upon notice Prom L�nder to Bonower requesiing
<br /> Rayment.
<br /> S.14fortgage Insurance.If Lendcr rcquirai mortgage fnsurance as�condition of making the loan secured by this Securiry
<br /> instrument, Borrower shall pny the premiums required ta maintain the mortga;e insurnnce in effect. If, for any reason, the
<br /> mortgage insurance coverage req�ired by Lcnder lapses or cc:ascs to be in ef.t�ct,�nrrowcr shall r,ay tl�e premiurns required to
<br /> obtain coverage substantially equivalent to the mongage insurance previously in ef�'ect,at a cost substantially equivalcnt to the
<br /> cost to Borrower oF the mortgn�e insurance previously in effect, from �n alternate mortgage insurer approved by l..e:nder. If
<br /> substantiully eynivalent moetgagc insurancc covcrage is not available,B�no�ver sliall pay to Lender each month a sum equal to
<br /> ' one•twelRh of the ycnrly mo►Yga�e insurance premium being paid by Aorrower when the insurunce coverage lapsed or ceased tu
<br /> be in effeci.L.ender will acctipt,usa nnd retain these paym��:s as a loss reserve in litu of mortgage insur:ince. �:oss reserve
<br /> . Fmm 3028 9/9U
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