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<br /> S. Ilat�rd ar I'roperiy Iusur'�uue. &�nc,NCr �hall kcep thc in�ru�cnunt, ix•u cri�t+ng un c�r�aRcr cr►tital un ttu
<br /> Pmpert�• in�ur�tif ugainu la�a b} tirc. hsz:trd� intluJcJ w�i�hin ttu tcmi "�rtc�ut�d rusctage" ;ux1 any ��thcr i►;u�rJ.. iikluilinE -
<br /> lluaxt��r floodir�, fur a•hich Le�xlcr reyuires i�uunuuc.7hi�in.uru�kc�hall t+c uuiutuiix�J in Uk anxw�us;ux1 fi�r thc(+criixic
<br /> �hat l.c�xicr rcyuircs.Tlu ia�ur.uuc rarri��pro�•�ding tlu inwr;ukr.l►all t�e.hc:kn b> U��rrn�3er wbje�:t h, i.�ikkr'�:►pprutial
<br /> which shall �wt tk unr�:uun;ably Nithhcld. If t3urn�w•cr f•ril�tu �»3intain cu��crugc ck�aritkJ utxn�c, l.cnctcr uuy. :U Lr�xlcr'+
<br /> optiun.��tain co�•cragc to pratect l.�ndcr's right�in ttu 1'r��per[y in,ucuni:uur�+ith par:�ru�h 7.
<br /> All insur,uice polirics�ux1 rcnewalc st�all 6e acceptable tu l.ciul�r u�ul�h:►II i�klude a s���d nY�ngugo clausc. l.ciulcr
<br /> shall ha�'e the ri�ht tu huW the poflcies�ux1 renewals. If I.cixier reyuirrs,Burrc�v�cr tilull pruntp�ly gi�'e to Lencicr ull r��eipts of
<br /> paid premiums aru� nnewal nuti�es. �n the ecent of la�:,Biuroa�er shull give pwn�pt nc�tice to the iiuur;uice eanier:uxi L.ender.
<br /> Leixter may make prcx�f of lo�if nat n�ie promptly by&�rruwcr.
<br /> Unless I.cnder and Barrua•er oihenvisc agrce in writing,ir�.+ur,uuc pr�xeeds sttall 6c applicd[o rc�tor�tii�n or repair of the
<br /> properiy cianwged, if tf�e restoration or repair is econonuc:+lly feasible mu! Le�tidei s security is not lessened,lf the restoration or
<br /> repair is iuu economically fcasible or Lender's security would be Iesstned,the insuronce proceerls shull be applied ta tlu sunu
<br />, sccumd by this Security In.urument, whether ur nat then due, with any exccss�id to Borcower. IF Sanower abando�s th�
<br /> pn�pc;�ty, or does nat:+nswer within:�0 days a naice from Lender that th�insurancc c.zn'�er has offercd to setde a claim, then
<br /> Leix�:r �nay callect the inwr.uice proceeds. Lender may use the proceed�to repair ur re�tare the Pit�perty or co pay �unu
<br />, secured by this Securiry Instrument,whether or not then due.The 30�•ry period w►11 begin when the�wt�ce is given.
<br /> Unless Lender and BonaWer oifucwise agree in writing, any apl�lication o�procceds to principal shall not extond or
<br /> postpone the due date of the monthly payn�ents referred to in par.tgraph� � arnl 2 or change the amount of thc payments. If
<br /> unckr paragraph 21 the Pcoperty is:icquired by Lender,Borrau'et's right to any insur.,►nce policies and prceeeds resulling from
<br />. damage to the Propeny prior to the acquisition shall pass to i.encier to the extent of the sums secured by this Security Iastrunxnt
<br /> inunediately priur co the acquisition.
<br /> 6.pc�up�;�.preservatioa,Maiatenance aand Protection ot Nu Propertyp Borrow•er's I.osw ApplicAtion;La►seholds.
<br /> Borcower shall occupy,establish,and use the Property as Borrawer's principal residtnce within sixty days after the execution af
<br /> tRis Security Instrument and s.ha!1 continue to occupy the Property as Borrower's principal residence for at least one year alter
<br /> t3re date of accupancy.unless Lender other�►•ise agrees in writing,which consen�shall not bc unreasorably withheld.or unless
<br />= e!cunuating circumciances exist which ue 6eyond Borrower's oontrol. Borrower shall not destroy, damage c+a' impair the
<br /> property, allow the Property to deteriorase. ur commit waste on the Property.Bortower shall be in default if as+y forfeiture
<br /> s:ti�n ot prcxeeding,whether civil or crimi�al. is begun that in Lender's good faith judgmetu cou..�rzsult in forfeiture of the
<br /> i�`r�ipzrty or otherwise materiaFEv impair the lien created by this Security Instrument or Lender's security interess.8arrower may
<br /> cure such a default and reinstate.as provided in paraSraph 18,by causing the action or proceeding to be dismissed with�ruling
<br /> - that, in Lender's good faith determination, precludes forfeiture of thr Borrower's inurest in the Property or otlur material
<br />- impaimuat of the tien creatod by this Security Instnimera or l.ender's se�arity in�ereu. BoROV�es stiall also be in default if
<br />'; Borrower,dwing the loan application proocss, gave materially false ar xnaecurate information or statunenu to Ltnder(or failed
<br />`= to pmvide Lender with any materiai infomiuion}i���v�u�:tiur,w�u•�.:. :�.R-:'ider.�l�;the N�?,including.but cwt limitod
<br /> to,representations wnceming Borrower's occupancy of the Propeny as a principal recsdence.If this Security tas�.�mcat is on a
<br />�} leasehold, Borrower shall comP1Y w�ih al� the Pravisions af the lease. If Borrower xquires fee tide to the Property. the
<br />' leasehold arul the fee tide shall not merge unless Lendee agrees to the mer$er in writing.
<br /> f� 7,protxtion ot I,eader's R[�hfs in tlte Property If Borrower f,�iYs to perform the covena.*�ts aui agreements contained in
<br /> 'i this Sauriry Instrument,or there is a legal praceeding d�t maY S�Snfic�ntly �ffect I.uider's rights in the Property(such as a
<br /> ;y prooeeding in bankmpccy,probate, for condcmnuion or fodeiture or to enforce law�s or regulafions),t}�en Len3er may do and
<br /> paY for whatever is necessary to protoct the value of the Property and l.ender's sigLass in the Properry. Lender s actions may
<br /> ;ne�yd� paying zny sums secuted by a lien which has prioriry o�•er this Sauriry Instrument, appearin8 in court, Paying
<br /> !`( reasonable atiomeys'fces and entering on the Property to make repairs. Atihough 1.endei'may t31e axiou under tlis Pu'a�mPh
<br />;4: 7.Lender does not have to do so.
<br />�"' My �twuncs disbursed by Lender und�r this paragrzph 7 shali becom additional debt of Sorrowu socurod by this
<br /> � Security Instruuxat. Unl�ss Borrower and L.ender agree to c►ther temu of payment, t1►ese amounts shall bear interest from the
<br /> d�te of disbuzsamau at the Nou rate and shall be paYable. with interest. upon notice from Les�ler w Borcowtr requesdng
<br /> PaYment.
<br /> "S 8.Matgage Iucurana.lf Len�ler required mortgage insurance as a conditioa of making the lwn secured by rhis Cecurity
<br /> ; Instnunent� gorrower shzlE pay tt►e premiums required to maintain the mortgage irssurance in effect. If. for any reasoa, the
<br /> - mortgage insurance oovenge required by Leruier lapses or ceases to be in effect. Bo*mwer shall pay the prentinmc reAuirod to
<br /> obtain coverage substanti�lly equivalent to the mortgage insuraru�e Freliously in effeet,at a cosi substanaally equivalent to the
<br /> � cost W Borrower of the rportgage insur�nce pnviously in effect, �cn an altemate mortgage icicurer approved by Lender. II�
<br /> ,� subst�ntially equivalent mortgage insuranoe coverage is not availabte,Borrowu shalt pay to L.��tach month a sum equa{to
<br /> � one-twelfth of the yeuly roortgage inwrance premium being paid by Bonower wfun the inwraswe covetuge tapsad or oeasa!to
<br /> � be in effect.Leader will aocept,use and retain these payments as a locs reser,e in lieu of inortg3ge insurance. Loss reserve
<br /> r•orm 3028 8l90
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