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<br /> g, ��p•r,a�-;i ae E�CiD�h:i'�� Yfi:iili'C1FiCL'. IIUIF'Qlvcr slinll lsc;.p thc improvcmcnt� now exirtin� �n c�rcaftce c��cctccl on tFie �,.
<br /> Prope�ty insurcd ngninst loss by fire, hau►rds inctuded �vitbin thc tcrm "cxtended caven�c" nnd any athee liaz�rds, 1liC.Il4(Illla s
<br /> floocjs or floafing,f�r whtcl� I.cn�icr rc.qui�c�insurnncc.This insurancc shull t�c malntnined in thc F�oiounts m�d for�hc periods
<br /> thst Ifndr:r requires. 7'he Insurnncc carrier providing the InsurAnce shnll be chosen by Dnrrower subJcct to LenQer's npproval
<br /> which shaU nnt Ik unreusonably witishcld. 1P Borrowcr fulls to maintuin covcrngc descrit�ccl nbovc, Lend�r muy, at Lcndcr's
<br /> optiun,abtaln covcragc to prot�ct I.,cnder's rights in thc Propc.rty in accord�nce with panigraph 7.
<br /> All insurunce�NcAes and renewats shull fn; acce�tuUle t� l,cudcr and shall includc a standard mnrt�f+,e clni�se. [,ender �_
<br /> oao�� �,,,,,���,.rioht t�t hnld thE B(tI�CIC3 elld[GIICWHI9. If Lender requirav,Barrower shull promptly bivc to Lcnder all rcceipts of
<br /> pald premiums nnd renewal notices.In the Gvent of lass,Borrower sliall give prompt notice to ihc iusu�r��v�ca��ter anci i.cntier. ---_
<br /> Le�xler muy muke proof of loss if not made pcomptly by I3orrower.
<br /> Unless L.ender m�d Borr�wcr otherwisc ugrec in writing,II15U�Al1CC pfOCCCdS SItAII BC c►pplied to restorntion or r�pair of the
<br /> Propeny danv�gal,if the restoration or repair is economically feaslble und Lender's se�urity is not lessened. If the restomtion or
<br /> repair is not aona�nically feasible or Lender's security would be lessened,the insurnnce procceds shall be. applied to che swns 6
<br /> sec►�red by this Security [nstrument, whether or not then due, with any excess puid ta Borrowe�. If Borrower abancians the
<br /> Property. or Qocs not nnswer within 3d duys u uuiice f�am i.endcr that the insurunee enrrier has offered t� settle n claim, then
<br /> L,ender may cc�ltect the insurunce proceeds. Lcnder mny use the proceeds to repair ar restore the Property or to pay sums
<br /> s::,u:td ts,thf�G:tritY!nst�.!nxnt,whether or not then due.Tt�e 30-dny period will begin when the noticc is given.
<br /> ilnles9 Lender and Bc�rrower ottierwise agrce in writing. miy applicntion of proceeds to principAl shali not cxcend c�r
<br /> �xistpanc the due dntc of the mon;hly payments refcrred to in paragruphs l and 2 os•chunge thc amount of dic paymente. If
<br /> undcr pars►graph 21 the Property is acquire�l by ixnder,Borrower's right to sny insuranee policies and pcuceeds resuiting from
<br /> damago to the Property prlor to the ucquisition shall pass to Lender to the extent of the sums secured by this Security Instrume�►t
<br /> inunediatcly prior to thc acnuisitlon.
<br /> 6.Occupancy,Presc►'vatlon,NiA9ntenar.ce and Protectton ot the I'roperty;Borrower's Loan ApplQcatton;I.easet�slais.
<br /> florrowcr shall occupy, establish.und use the Property as Borrower's princ3pal residence within sixty�ays Hf'ter tt�e executton of
<br /> this Security lnstniment und shall continue to occupy the Property as Barrower's principal residence for at lcust one year after
<br /> the date of accupancy. unless Ixnder utherwlse agrecs in writing,which consent shall not be unra�sonab�y withhcld, or unless
<br /> extenuating circumstances exist whlch are beyand Bonower's control. IIonower shull not destroy, damage or impair the
<br /> Property. nllow the Property to deteriorate, or cammit wastc on the Property. 6orrower shall be in default if any forfeiture
<br /> action or prceetding, whether civil ur criminal, is begun that in L.ender`s good falth judgment could result in forfeiture of the
<br /> PropeRy ot othenvise materially impair the licn crcated by this Security Instrument or l.ender's�ecurity interest.Horrowsr may
<br /> �:__• ., ..•
<br /> cure such a default and reinstate.as provided in paragrnph 18,by causing ti�e action or proccuiing io i;c u�a�,�issa.:.z:r a rul::e"
<br /> that. in Lend�r's gaed t'aith determinatinn, precludes forfeiture of the Bonower's interest in the Property or other material
<br /> impaiement of the lien created by this Security Iustrumcnt or I.ender's security interzst. Borrower shall also be in dtfautt if
<br /> Borrower,during the loa►i application process,gave materially false or inaccurate information or statements to Lcnder(or failod
<br /> to provide.Lencter with any materlal information)in connection with the laun evidenced by the Note, includin�.but not limtted
<br /> to, representatians conccming Borrower s occupancy of the Property as a ptincipal resldence. If this Security Instcument is on a
<br /> leasehold, Bo�TOwer shall comply with all the provisions of the lease. If Borrower acquires fce title to the Property, tht
<br /> icasehold and the fee titte shnll not nxrge unless i.ender agrces to the mer�er in writing.
<br /> 7,4rotection o[�.ender's Righ�g in the Property.If Borrower fails to pedorm tha coveu;ints nnd ngreements concained in
<br /> this Security Instrument,or thcrc is a legal prc►cealing that may si�ni6cantly affgct L�ender's rights in the Property (such as a
<br /> procading in bankruptcy,probate, for condemnation or forfeiturc or to cnf�rce laws or regulstions). then Lender may do and
<br /> pay for whatever is t�ecessary to protcct the value of the Property and L-��dei•'s r!ghts in the Property. I�ndor's ections may
<br /> include paying eny sums sxured by a lien which hus priority ovcr this Securlty Instrument. appearing in wurt, paying
<br /> reasonable ettorneys'fees and cntering on thr.Properry to make repairs.Although[.ender may calce ac;tion under this paragraph ;
<br /> 7, L.ender does not have to do so.
<br /> Arry amounts disburaed by L.ender uixier this paragrnph 7 shall become additianal debt of Borrower secured by this
<br /> Security Instrumcnt. Unless Bonower and Lender ngrec to othec terms of payment, these amounts shall 6ear interrst Crom the
<br /> dat�of disbursement at 2he Note rate and st�all be payublc, wid� interest. upon notice finro Lei�der to I�orrower rcqucsting
<br /> payment. i
<br /> 8. Mortg,�ge Insurnn�e.Yf Lender required mortgage insurnnce ss a condition of makin,the loan securcod by this Security
<br /> Instmment, Borrower shalt pay the premiums required to maintain the mortgago insurance in effect. If. for any reason, the ;
<br /> mortgage insurance coverage required by Lender lapses or ceases to be in effect,Bonower shAll pay the premiu�ns required to :�
<br /> ubtai�coverage substantiaily equivAlent to the mortgage I�surance previuusly in effect, at a cost substantially equivalent to the ,
<br /> cost to Borrower of the mortgage insurance previously in cffcct, from an altemate �nortgage insurer approved by Lender. If j
<br /> sub9tantially equivalent mortgagc insurancc coverage is not availablc,Br,rrower shall pny to Lender each month a sum cqual to �
<br /> one-twelfth of the ycarly mongage insurnnce premium being paid by Borrowes•when the insurance coveragc lapsed or ceasal to ;
<br /> be in effect.Ler�der will nccept. us�and retnin tliese payments as a loss rescrve in licu of mortgagc insurance. Loss resexve �
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