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<br /> 5.Hwzaed ur t'roperty Insuti•a�ue. I3nrraivcr sha�l kceP Qie improvcmciiGV nnw exisuna cr hesenit�r crcctcd on►�ie'�rnpr:rty �,;_
<br /> insurec�ago.inat loss by f�re,tiazards ineluded wlthin the tcnn "extcyidcd cover�e° .uid �r►y c►theY i��!+.��ds, inelt«iin�; fiaadv or ��"'
<br /> �looding,for which Lender requi►+es insurance.ThLv insumnco shull be maintained in lhe umoun�s nnd for�ho pc;riads t�at l.ender
<br /> rcquires.Tho insurence carrler providing d�a insucanr.c shall be chosen by�oauwer subJect to I.ender'H npproval which ehall not
<br /> bc unrcasonubly wiUiheld. If Borrower fafls to mainteln coveruge dcscribal nbovc�,Lcndcr may. at I.endar's opdon, obtaln
<br /> covc�age to pfot�ct Lcndsr's rtghts fn thd Property in accardsnce with paregeaph 7,
<br /> All insnrance�olicics and renewnlu shail be ecceptable w I.,ender end shall encludo a standard mu�tgage ciauso.Lendcr shall
<br /> hx:e s.".s siah!�k�fr1�,hPS polirica a�id[enCW819.if I.e,�der xcquucs,��rrowce st►aU prar,��11y givr,W Lcad�all recclpts of paid �
<br /> praniums and renewal natices.In thc event of loss,aarrower shall give prompt nodcc to she insurance carrtu an0 i.en�ar.iendcr =
<br /> may makc proaf of loss if not made prompdy by Borcowes.
<br /> Unless I.ender and Horrower atherwlse agree in writing,insurance procecds shall be appiicd to restoradon or repalr of thc
<br /> property dsunagcd,i,f thc►cstoradon or rcpalr is economlc,aUy fcasiblc and Lcnda's sccuriry�s not lcsscncd.If tha restoradon ar
<br /> repair is not sconomically feasibk or I.enQer's sccurity would ba lessened,ths Nsurance prococds shall t�applletl to the sums
<br /> sccured by this Securlty Instrument, whcther or not then duc, wlth any exce.ss paid to Borrowcr. If Borrowu s►bandons tha -_-
<br /> Property,or docs not answ�a within 30 days n noticss from L.cndcr that thc insurancu carricr has affcted w satlla n ckum,thrn
<br /> Lender may collect tha Insurnnce proceeds.L.enQer may use�tht procecds ta repair or restore che Properry or to�ay sums secured
<br /> ty this Socurtty Inswment,whether or not then duc.'R�o 30-day period wiU bcgin whcn tho noricc is given.
<br /> Unless l.ender snd Horrower otherwlsc agree In writing,anY aPPliwtlon of proceeds to principal shall not cxtcnd or postpono _
<br /> ihc duo dato of ihe monthly payments referced w in paragrapha 1 and 2 or change tha amaunt of ihe payments.If under paragraph
<br /> 21 thc pr�e�ty is�'.qnim.�1 hy Lender,Borrower's right W any insurance{�olicies and proceeds resulting from damage co the
<br /> Property prlor to the acquisidon shall pass to Lender w tha eatent of ihe sums secured by this Sccurtty Insuumcnt immedlately
<br /> prior to the acQulsition.
<br /> 6.Occupancy�Preservation,b'faintenRnce and Protection at the Piraperty; Borrower's Loan Applkatbns L.eASebofds.
<br /> B�xmwer shaU occuPy.establlsh,and usa the Prope�ty�v Bocrowu's princfpal resWeace within sixty deys aftet thc executfon of
<br /> this Security Instrument and shaU oontinue to occupy the Property as Borrower's principal residence for at least one ycar after 1he
<br /> datc of oc;cupancy. unless [�ender othorwisa agrecs i�� writln8.which consent shall not be unreasonably withhcld,or unless
<br /> ea�ttr�aedng circumstar�ces exist which are beyond Bonower's contml.Borrower shall not destroy,damuge or impair�he Property.
<br /> aliow thc Property to detedorate, or commit waste an the Property.Borrower shall be in defuult if any forfeiture actlon or
<br /> proceeding,whethec civil or cr�m�nal,is begun that in I.ender's good faith judgment could oesult in forfciture of the Properry or
<br /> othcrvvise maiui�liy impair tho Uen crcated by thi�Stcurity Insaumcnt or Lsnda's seciuiry interesG Bonowcr may cure such a
<br /> kfA��t�nnd reir�state,as providul in pnraqraph 18. by causing ihe action or proceeding w be dismissed with a niling that,in
<br /> Lcndu's good faith Act�em�inadon,peccludes farfeiture af the Borrowu's intcrest in tha Pmpc�ty or other materiai imp�imxra oa
<br /> the l:u►crc.ytod by thi�Sacurity Inswrn�;nt ar Lendu's sccurity interesG Borrower shall also be in dcfault if Borrowu,during the
<br /> io�n epFlication proccss�8eve maurially felse or inaccurate lnformation or statements w Lendei(or faikd to provide Lender with
<br /> eny mauxial infom�ation) in connectimn with 1he loan evidenccd by the Ndte, Including. but not limited W, represcx►t�sions
<br /> conceming So�rowu's occupancy of Rha Propeity as a principal msidence•IF this Security In,gaumont is on a leaschold,Sonower
<br /> shall cc�nmply with all the provLsions of 1he k�.If Borrowcr acquires fae tiUe to the Pmpe�ty.the icaschold and the fee dtla shel!
<br /> not mage unles�I.ender agroes to the m�xger)n wridng.
<br /> 7,protectbu ot Lender'e Ri�6ts in t6e[h�op�ty. If Aorrowu fails tn perform the coveruints end agreements contsinod in
<br /> �his Securiry Inswment,or there is a kQal pruca.ciing that may s3gnificantly affect I.ender'e riEhts in the P��ertY(such a4 a
<br /> pcncooding in bankruptcy,probate,for condemnadon a farfeiwre or to cnforce laws a reguladons2,then L,ender may do and pay
<br /> [a wf�at�va is nocessary to protect d�e value of the Pruperty and L,ender's ri8hts in the Proputy.Ler�du's ections rtwy incliede
<br /> F►�Y�B�Y �m� ��by a tien which has prlaity aver thi� Security Iustrument, appearin8 in co�ut.PaY�B ���
<br /> auorneys' focs and ensering on the Property co ma1�a npairs. Although I.cndcr may take actia� undu this paragraph 7,Lcndcr
<br /> doas not lu►ve to do eo.
<br /> My amounts d�sbursed by Lencicr undcr this paragraph 7 shall bceomc additional debt of Borrower socurcd by this Socurity
<br /> Insuumai�Unkss Bcxrower end I.caufa agra to other tr,�ms of payment,tlxse anxwnis shall boar intia+est fcom tho date of
<br /> dLsburserncnt su t1�e Notc rate and shall ba payabk,with intuest,upon notia fmm Lsndcr W Borrower requcstinB PaY�w
<br /> !�.i�iort�a�e iusur�nca ii Lu�uu ux�u;tc�i���a�og:;�W W::.:�:.:�a cor.li:ton of:n-,�:n;Ghe!eM^.secu.*e�_1 by lhiq Crenrity
<br /> Instaument, Bonrowcr shall pay �he premiums roqvired to maintain the mortguge insurrnce in cffocG If. fa any reaton�the
<br /> moctg�ge insurAnce coverage roquired by Lender!»pses or ceases w be in effxt,Bomowar shall psy the pcemiums roquired to
<br /> obwin coverage�ubstanttally oquivaknt to the mortgage inssuance previously ln effoct,at a cost substanttaUy oquivalcnt to the
<br /> cost t�o Bormwer of the mongage insurance previously in effect, from en altemetfl moctgago insurer srpprnved by Lender. If
<br /> substAntlatly 0quivalent mortgage insuranca coverrge is not evailabk,Borrowcr shall pay to Ler�der each rr�entti a sum cquffi to
<br /> one•twelflh of the yearly mortgaga insurance premium being paid by Bocrow�r whcn thc ins�uance c:ovuage lapsod a aaqed to
<br /> be in cifecG t.ender will accept, use tu►d cetain tl�ese payments:� a loss rescrve in lieu of mongage insunuice.Loss resave
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