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<br /> g, yyacurd ar �r,o�ie►¢y IItuu►aite�.. �orcowcr shall I:c�� tl�e improven2ents no:v existinU or here�lter ereCYe�l nn the �••
<br /> Yrop�rty insured agninsr loss by firc, linuirds inciudccl wiel�in the t�rm "oxtended covcru$e" nnd nny other hazards, including
<br /> fluods ar floading, for which Lender requires insurance.This insurance shall be mnintained in the nmounts and for the periods
<br /> that L�ndcr reyuires. The insurar.ce carrier providing the insurance sh�ll be cliosen by F3orro�var subject to Lender's ap�provnl --
<br /> v�hic�h shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender mAy, at I.ender's
<br /> option,obtain covernge to protec:t Lender's rights in the Properry in accor�ance with pnrngraph 7. ,
<br /> All insurance policies snd renewals shall be ncceptablc ro Lcnder and sLall iuclude A standard mo��i�agc clausc. Lendcr
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<br /> shali nave the right io iwId[f�C�iolicics nr�d iclOW&1S.I?LCiitt�i:Ct{itli'�S,i30TiU�JCi�i�::ii pxvtttjriiy birc iv c.-:.usss.i ws,�C:i;»��. _
<br /> paid preuiiums und renewal notices.In the event of loss,Bottawer shall give procnpt n�tice to tlie insurance carrier ard I.ender.
<br /> Lcnder may mnke praof of loss if not madc promptly by Bonower.
<br /> Unless Lender and Borrower otherwise agree in vaiting,insurance proceeds shall be upplied to restoration or repair of the
<br /> Property damageci,if the restoration or repair is economically feasible and Lender's securlty is not Icssened.If the rrstoration or
<br /> repair is not economically feasible or Lender's securiry would be lessened,the insui�a�zce Neoceeds shall he appficd to the sums --
<br /> �r,�uied by this Security xnstrument, �+hether or not then due, with any excess paid to Borrower. If Borrower abandons the
<br /> Froperty, or doc:s not answer within 30 duys a notice£rom Lender r.hat the lnsurance carrier has affared to s�ttle a claim, then
<br /> Lender uiay collect die insurunce proceeds. Lender may use thc proceeds to repair nr restore the Property or to pay sums
<br /> secured by this Secur:ty instrutnen:,whether or not then due.The 30-day period will begin when th�notice is given.
<br /> Unless L.ender and Bonuwer otherwise agree i� �vriting. any application of procceds ta principal shall not extenci or
<br /> postpone the due date of the monthly payments referred to in parngraphs 1 attd 2 or change the amount of the payments. If
<br /> under paragraph 21 the Property is acquired by L.ender.Borrower's right to any insurance policies und proceeds resulting from
<br /> dan�age to tbe Property prior to the ncquisition shall pass to Lender to die extent of the sums secured by this Security Instrument
<br /> immediutely prior to tfte acquisition.
<br /> 6.Occupancy,Preservation,Mainten�nce and Protectlon of the Yroperty;Borrower's I.oan Application;I.easeholds.
<br /> Borrawer shall oceupy,establish,and use the Property as Barrower's princip:►I residence withln sixty days�Rer the execution of
<br /> this Security instrument and shall continue to occupy the P�operty as Borrower's principal residence for at lea�t one year after
<br /> the date of occupancy, unless Lender otherwise agrees in writing,which conscnt shall no1 be unte,�tsonabfy withheld,or unless
<br /> extenuutjng circumstances exist which are beyond Bonower's control. Borrower shall not destroy, damage or impair the
<br /> Property, allow the Property to detcriorate, or commit waste on the Property. Bonower shal! be in default if any forfeiture
<br /> action or proceeding, whether civil or crlminal, is bebun that in Leruler's good faith judgment wuld result in forfeiture of the
<br /> Pro»ertv or atherwise materialiy impair the�ien created by diis Security Instrument or Lender's security interest.Borrower may
<br /> cure such a default and reinsutt�,as provided in paragraph 18,by caxtsing the action or proceeding to be dismissed witi�a ruling _
<br /> that, in Lender's goa] tuith determination, precludes forfciture of the Borrower's interest in �hc Property or other materief
<br /> impairment of the lien created !�y this Securfty Instniment or Lci�der's security interest. Fiorrow�r shall nlso be in default if
<br /> Borrower,during the loan applieutio►�process,gave materially falsc or ivaccurate information or statemcnts ta Lcnder(or failed
<br /> to provide Lender with:u�y material informadon)in connection �vith the losu�evidenced by the IYotc,including.but not limited
<br /> to,representations conc;erning Bonower's cecupancy of tlie Property as a principal residence.If this Sccurity Cnstrument is on a
<br /> leaseholJ. Borrower shall comply with all the provisions of the lcase. If Borrower ucqultes fee title to thc Property, the
<br /> leasehold and the fce title shall not merge unless Lender agrecs to the merger in writing.
<br /> 7.Protection of Lender's�tights tn the Property.If Borrower fails to perfurm the cov�nants und agreements contained in
<br /> this Security instrument, or there is a legal procecding that may signifiu�ntly affect Lender's rights in tl�e Proporty(such as a
<br /> proceeding in banknaptcy,�robate, for condemtiution or Forteiture or to enfone laws or regulations), then I.ender cnay do and
<br /> pay for whutever is►�ecessary to protect the value of thc Property ar►d Lender's rights iu the Property. Lender's actions mny
<br /> include paying any sums secured by a lien whtch lias priority over tl»s Security Insuument, appe:tring in court, paying
<br /> reasonabl�e attorneys'fees and entering on the Paoperty to malce rep:tirs. Although L,ender may take sction under this parag�aph
<br /> 7,I.ender dc�es not have to do so.
<br /> Any amounts disbursed by Lender under this par,igraph 7 shall become additional debt of Borrower secured by this
<br /> Sccurity Inssrument. Unless Borrower and Lcnder agrec to othcr•terms of paymcnt, thcse amounts shali bear interest from thc
<br /> .�.- ��-,- -- - --J _u��� �... .. ..�t,. ...�6 :..�N.�s �av.n nntinn frnm ian(irr tn R�rMwe!r rtnuestina
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<br /> S,l�iortgitqe Incurance.If Lender required mcrtgage insurance ns a condition af mnking the loan secured by this Security
<br /> Instruenent, Burnower shall pay tl�e prenuums rc�uired to maintain the mortgage insurance in cffect. If, for any r�ason, the
<br /> tnartgage insurance wverage required by Lcnder lapses or ce,�ses to be in effect,Bonower shull pay the prcmiums requireci to
<br /> obtain cover,►ge substantially equivalent to the mongage insurance previously in effect,at a cost substantially equivalent to the
<br /> cast to Bonower of the mortgage insurance previuusly in cffect, from an alternate mortgage insurer approved by Lender. If
<br /> substantially cquivalent mortgage insurance coverage is not availablc,Borrowcr shall pay to Lender each montl�a sum equal to
<br /> one-twelfth of the yearly mongage insurance premium being paid by Bomower when the insurance coverage lapsed or ce�secl to
<br /> be in effcct.Lender wiil accept.use and retain thasc payments as a loss reservc in lieu of monga�e insurance. Loss reserve
<br /> Form a028 918�D
<br /> Pepe 3 ot 0
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