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<br /> 5. i�a•r.�eti �P �iO�il`TlW Yr�suci�ttitc. I�PfYOt4Cf SIIUI� Icc�� thc irnnr��ve,itcius ro�v+ e.�eistiuU on c�rc:►ftcr erect�d on tiic E::
<br /> Peu�:tty In�ured ugainst la:*s by fire. I�uatrds ineluded �vithin tt�c term "extend�d r�vczrr•�gr." and i�ny a�hee hnuirds, includina _
<br /> (loixls�r(l�x�ding, f�.+r which l�ender reyt��res insurnnce. 7nis insunuicc tioaii ix:nmi►:x�►is:•F:l iu 1{i�ar�ic��mts nnd fv��h::per�ads
<br /> thut l.c;nder rcyuires. 1'hc inyuraiicc carricr pmviciing�hc insurnncc sh�ill br,ch�a�cn l;,v �u:rc�wcr st�bJcct tu l.cnd�r's approval
<br /> wl�i:h shnll not hc unecasanubly wlthhclJ. IP purrowc� fAils to maintuin cuvcrr�c d.scrikx:d �ibovc, L.endcr mny, at Lcndc•c'F
<br /> ��l:�ton,nhtuin cuvcrugc tu pratcct I.r.nder's el�hts In►hc Pmp�.rry ii��ccordottr,c witl��art�};a1�h 7.
<br /> All insurunce �wlie:ies urKl ren�:wats shall be ucceptable ta Le�xfer nnd rlialE irt�;lu�li: a sinndued mori�;agc clause. l..end�r
<br /> s6all I►ave tl�e right¢n hold tlic�wlfciefi nrM rcncw�ls. lf Lender requires.Bormwvr sTutl�gr.�»ptly givc to l.endcr all receipts of
<br /> p�id premiums nnd rencwnl notices. in ti�c cvcnt of loss,Boerowcr sh�ll givc pr.n�n,�G n�tt4:r2 t�thc insurancc cnrricr and l.ender.
<br /> I.ender nfay make nrcwf of Inss if not made prarrt(.rtly by�iorrowcr.
<br /> Unlcss Lender nnd Qorrowcr aUiernise ngere in wciti��, ii�.3�umnce pmcercis shril�bc applicd to restomttan ur repair of the
<br /> Property damagcd,if the restorutian ar rep�ie is economicnlly feasib�e ur►r1 If.aider's sscurity is nat lessened. If the restorntion ar
<br /> rep�ir is not econocniGnlly fea�ibte or Lr.ndcr'�s securiry waulQl t+e letssened,tW;ir��irrnr,c pr��cer.�ls shull ba applicd to the sums
<br /> sccured by ti�is Sccucity In;,tnu.nr.�it. whether ar not then due, with nny excctss priir! ro Sorrower. If Dorro�ve� abandons the
<br /> Property, or eloes not itnw�ver�vithi�30 dayp e notlse fra�n Lender th.it th�t i��:�usanGC cnrrier has affe�+ed to settle a claim, then
<br /> Lender may collcct the insu.r�ncr. pxoceeds. L�rxler n�ay uso tha pmcecds t�.r�epair or restore the Property or to pay sums
<br /> securod by this Securiry Instrt+n.�ant,wttether or not then du:. The 34d3y psricd wlll6egin when the notice is given.
<br /> Unless Lender nnd Bormwar otk�+:cwiss agree in wcitir�, uny opplicatton of proceeds to prineipal sliall not extenci or
<br /> �sustponc ths duc dnte ef tl��mnnth�y paymentw refermd to i�3 parF.�e�'r�ha 1 and 2 or change the amount of the pay�nents. If
<br /> under paragruph�l U�.0 Pxr��:rty is acquircd by Ltnder, Borra�rer's rigitP to any insurance policies�nd proccc:ds resuiting from
<br /> dlmage to thc Propcny pri�r to�1w¢Eecquis3tion shall pass ta f.�endr.r to►hez extent of the sums seciirod by this Serurity Instn�mtnt
<br /> imm�diatety prior to thc acqu�:ii�.i��.
<br /> 6.Oocupancy�Pr�er'vption,M�lntenAnce and 1'rotsct3:n a�ff tlre Prnperty;Borro��•er's Loan Applicatton;Leaseholds.
<br /> Borro�ver shall occury,escablish,and use th��;�o�rty as Borrower's princip:il residence within sixty days after the execution of
<br /> this Security Instn��r_ant und shull continue tn►ar.augy die Property us Boirower's principal residence for ut least ons yesu aRer
<br /> the dute of occupan�:y, unlr.ss i.,:nder otherv+isa ageaes in writing, wh3ch coasent shall not be unre.�sonably withheld, or unless
<br /> extenuutiug ci�cumstances eYi�t vrliich nre beyond Borrower's control. Bonower sha�l not destroy, dama�e or impair the
<br /> Property, allow thc Property to dcteriorate, or c�mmic waste on the Property. Eorro�ve�shall be in default if ar�y forfeiture
<br /> actton or proceeEling. whether civil or criminul, is begun that in i..ender's good faith judgment could result in farfeiture of d�e
<br /> n�.r���r„�Pl,,,��m?r�riaUy impair the lien creatal by this Security Instiun�ent or[.ender's security interest. 8orrower may
<br /> cure such a defuult and reinstate.as provided in paragraph 1S,by cnusing the action or procealing to be dismissod w�th a ruiing
<br /> that, in i..ender's gaod faith d;ts�mination, precludes forPeiturc of the Borrowcr's interest in thc Proprrty or other n�aterisl
<br /> impaimtent of the lien creatad by t�is Security Instrum�nt o�Lender's secudty lnterest. Borrower shnll ulsn 6e i�default if
<br /> Sonower,during the loan applicadon process.gKVe materially false or inaccurnte inforcnation or statements to l.cnder(nr failed
<br /> ' to provide Lender wit7��ury materirl inforn�atton)in connectian�vith the loan evide►xc�d by the Note, including,but noi limi�tod �
<br /> to,representations oe,nceming Borro�ver's occupancy of the 1'roperty+as a pFincipal residcnce.If this Secuaity�lnstrument is on�
<br /> leaseho�d. Borrower shall comply wiih :ill the provisioiu of the leasa. If Borrower aceyuiruw foe t�tle to•the 4'topeaty, the
<br /> teaschold and the fee titic shall not tnergc unless Lender agraes to the m�ergcr in writing. •
<br /> 7.P�ntecNon of I.ender'9 Rights in the Property.If Banowar fails to perform the covenants end agreement5 cantuned in
<br /> this Securiry Instcument. or there is a lc�al praceeding that may sigpificandy affect Lender's rights in the Prope�ty (svsh As a
<br /> proceeding in bankruptcy.prabate. for condemnation or forfeiture or to enfurce!aws or regulations), thcn Lender may do and
<br /> pay for whatever is neassary to prota.°t the vulue of the Propcny and[.ender's rights in ttie Properiy. Lender's ections may
<br /> inclade paying any sums secural by a lien which has pr�arity over this Security Instru�nt,•appearing in court, paying
<br /> reasonable attomeys'fees and entering on the Property to rr►a�e repairs.Although L.enQcr r►�y take action under this�paragcaph
<br /> � 7,Lendcr das uot have to do so.
<br /> � Any �nounts disbursod by Lender undcr this n�sragrnph 'l shall bccomc additianal debt of EioTrowcr securod by thls
<br /> Sxurity Instcument. Uniess Borrower and Lender agree to otlur terms of payment, thesc amounu shall beas interest from tis�
<br /> dute of disbussement at the Not� rAte and shull be pa}rabl�, +��ith interest. upon natice frnm I�:ndcr to Bonower ra�uesting
<br /> payment.
<br /> S.Mott�age Insurance.If t.ender required mongage insurance as a conditton of making the loan se:cured by this Security
<br /> Instnrment. Borrower shall pay the Rremiums reyuired to maintain tlie mongage insurance in effect. If, for any m,ason. the
<br /> mortgage insuranee coverage crquired by Lender lapscs or ceu5es to be in effece,Bonower shall pay tht premiums requi�ed to
<br /> obtain coverage substantially eq�avalent to the mortgage inausaace prcviously in etTect.ttt a cost substansially equivalent to the
<br /> cost to Borrower of the mortgage insurance previausiy in�efffeat, from un altemate mortgage insurer upprovtd bs• lf.eixler. If
<br /> substantialiy equivalent mortgage insurnnce wveragc is not available,Sorrower shall pay to Lendcr cach mantlti a stun cqusl to
<br /> one-twelfth of ttae yenrfy mortgagr,insurance premium being paid by Barruwer�vh�n the insuranc�cuvcrage lapsed or crased to
<br /> be in effect.Lender will accept,use and retain these payments as a loss r�oserve in lieu of mortgage insurance. Loss receivc
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