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<br /> �. 13nmi•d nj• �:o�t�i`�ly I61;LIYlmcc. iiorro�vc�' shnll I<ccp thc improv�mcnts no�v exl�;tin� ��n c�rcnilcr crcctcd rn� tltc �_.
<br /> Peaperty insarcd against loss Uy fire, htit.�vds inclucleQ vilthin the term "eKt�ended caveruBe" nnd any other liui.��rds, includin�
<br /> flands o*tlooding, ior�vhich Lendcr rcq�dres Insur�uicc, This irisurance shull Uc maintuined in thc nmounts uiid far�he periocls
<br /> that L.cnder rc.�uires, The insucnnce carrier��rovidi�sg thc insur�itcc si�iiU Uc choscn by Dorr�iwcr sui�jcct to I.�:ndcr's upprovnl
<br /> wi�ich shnll not be uiireasnna{�ly whhhcld. If'Borrc,wer fnils w maintain coverage describecl nbove, L.endcr nuiy, ut Lender's
<br /> option,obtuin cov�rage to pratect I.ender's rights in the Prop�ny in nccordance wiili parugrupi►7.
<br /> All insuecince policies anJ rcnewals shall be aceeptable to Lcndcr and s{�all in�hidc Ei stundnr<I mort�nge elausa l.ender �_
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<br /> SF1All hAVC tRC tt�hl IO IIOIQ lI1C PO1tCIC5 Al1U lCIlCwutti. li uuuc� �ci�Giic�,uin�v�'r�� a�u .� �•--
<br /> paid premiums und renewul notices.In the event of lass,B��rrawer shull give prompt notice to the insurance c�irrier i►nd[.ender.
<br /> Lender mz�y make proof of loss if not made promptly by Borrower.
<br /> Unless[.ender und Boi7ower othenvise a�rce in writing,incurance procecds shaU be npplicd to restoration or repair of the
<br /> Praperty damaged,if the restoration or repair is economically feasiblc and Lendcr's security is not Icssened.If the restoration or
<br /> repair is�iot ecaianically feusible or Lcndcr's sccuri/y riould be lessencd,the insurmue proceeds shnll be applied to the sums
<br /> ce.cured by this Security Instrument, whether or not then due, with any excess paid ta Borrower. If Borro�ver abandons the `
<br /> Property, ur does not answer within 30 days a notice from I.ender that the insurance carrier hus offered to settle n claim,then
<br /> L.ender may collec[ the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums
<br /> sccurcd by this Sccurity Instrament,whether or not then due.Thc 30-day period��vlll bcgin when the notice is given.
<br /> Unless Lender and Bonower athenvise agree in writing, any application of proce�ds to principal shull ctot extend or
<br /> postponc the due date of the monthly payments �rcferred to in puragraphs 1 and 2 or changc the amount of the payments. If
<br /> under para�raph 2l tl►e Property is ucquired by Lcnder,Borrower's right to any insurau�ce pulicies snd procecds resulting from -
<br /> damage to t}►e Properiy prior to the ucquisition shall pass to L.ender to the extent of the sums secured by this Sccurity Instntment
<br /> i►nmcdiatcly prior to the acquisition.
<br /> 6.Occupancy,Pre�ervatton,14lalntenunce and 1'ratection of tlze Property; Borrower's Loan Appllcution;E.c�seholds.
<br /> Borrower shall occupy,establish, and use the Property as Bonower's principal residenee within sixty days ofter the execution of
<br /> this Security Instrument and shall continue to occupy the Property us Borcower's principal residence for at least one year after
<br /> the date of occupancy, unless Lender otlienvlse agrees in writing, which consent shull not be unreasonably withheld, or unless
<br /> extenusting circumstances exist wliich are beyond Borrower's cuntrol. Horrawer sliull not destroy, dama�e or impair the
<br /> Property, ailow the Propeny to deteriorate, or commit waste c�n the Property. Borrower shall tse in default lf�ny forfciturc
<br /> action or proceeding, whether civil or criminnl, is begun that I�i Lender's good faith judgment could result in forfeita•e of the
<br /> Propeny or otherwisc materially impair thc lien crcated by this Su:urity Instrument or Lcnder's security intcrest. Bonower may
<br /> cure such a default nnd reinstate, as provi�cd in paragrapn io",by causing ii,c a�ctiu���,vr��3i�g ia�.:dist:zis��!::�itli s:uliaa
<br /> that, in Lender's good fa{th determination, precludes forfeiture of the Borrawer's interest in the Property or otl�er matcrial
<br /> impairn�ent af 1he lien created by this Securlty InsUUment or Lender's sccurity interest. Borcower shall also be in default if
<br /> Bonowcr.during the lat+n application process,gave materially false or inaccurats Informntion or statcments to Lcndcr(or failcd
<br /> to provide Leudar with uny materi�l information)in connection with the loan evidencecl by the Notc,including,but not limited
<br /> to,repxcscntations concerning Borrower's occupancy of the Property as a principnl residence. If thls Security Instntment is on a
<br /> leasetiold, &�rrower shall comply with all the provisions of the lease. If Borrower acquire.g fee title to the Property, the
<br /> leaschuld and the fee titic shall not mergc unless Lcnder agrecs to the merger in writing.
<br /> 7.Protectlon of Lender's t2ights fn the Property.If Borrower fails to perform the covenants and agreemcnts contlined in
<br /> this 3ccurity Instrurnent, or there is a legal procecding thut may signi�cantly affect Lender's riglits in the Property(such as a
<br /> procecding in bankruptcy,pmbate, for condemnation or forfeiture or to enforce laws or regulations),then[.ender may do snd
<br /> Nay for whatever is n�cessary to protect the value of the Property and Lender's rights in the Property. Lender's action5 may
<br /> include paying any sums securcd by a licn whicl� has priority over this S�:curity Instrument, appearing in court, paying
<br /> reasonable attorneys'fees and entering on tiio Property to makc repairs.Althaugh Lender may take action under tl�is paragrANh
<br /> 7,Lender does not havc to do so.
<br /> Any amounts disbursed by Lcnder under thia paragraph 7 shall become additional dcbt of Borrawer secured by this
<br /> 5ecurity Instniment. Uniess Borrower and i.cnder ngrce to other terms of paymcnt, these amounts shall bear interest from the
<br /> dnte of disbursement at the Note rnte and shall be payuble, witli interest, upon notic.e from Lender to Boxrower ra�uesting
<br /> payment.
<br /> 8.Mortgage Insarance.If I.ender required mortgage insur�nce as n condition of makfng the loan secured by this 5e�urity
<br /> Instrument, Boarower shali pay the prcmiums required to mtintain thc mortgage insurance in e[fect. If, for any reason, the
<br /> mortg�ge insurance coverage reqairod by Lendcr lapses or ccuses to be in effect, Borrowcr shall pay the premiums rcquired to
<br /> obtain coverage substantially equivalent to the niortgage insurtnce previously in effect,ut a rnst substantlally equivalent to the
<br /> cost to Borrower of'the mortgase insurancz previously in effect, feom an alternate mortgage insurer approved by L.ender. If
<br /> substa�ttit►lly cyuivalent mortga�e 3nsurmce covcra�e is not avallnble. Bonowcr shall pay to Lendcr cach month a sum equal to
<br /> one-twelRh of the yearly mortgage insura�ice premium being ptid by Borrower when the insurance coverage lapsed or crasal to
<br /> be in eitect. Lender will lccept, use and retain these psytnents as a loss mserve in lieu of mongage insurance. Loss reserve
<br /> Form 3028 9190
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