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<br /> — ��x1Y1ES IIOW Qf��Q�H Of(�10�y. 1��IEa��111�A�Q�1�Mi 6��vf0 bQ COYL7O1��1j►1�1�!SOb'Y�IY
<br /> IntwmaH. All of 1he fan�ain�i�rete�ned to in�hiQ Secudty Inu�uarcra as the`Pro{�enY•"
<br /> gpRRpWF,R.C`OVHNANTS that Bamwer i�I�wfully sei�ed at thc esata horoby oonveyed�qd h�the d�ht to pant
<br /> and co�vey U�a Pro1�y+�nd that�PropeAy ic unencumberod.cxcept for encumbrances ai rocotd. Ba►awsr warranta and
<br /> will dda�d at�alfy Ihe tiUe to Ihe PiropeTty+�ninat dl cl�itm and deawndx.wbJecl�o�ny eoc�unb�uxes oi�ecad-
<br /> �.__���� 77i1S SECIlRITY INSTRUMENT oombines unifam coven�nts for n�Uanal use wid non•unifam oovaeanu wilh r
<br /> liatited va�i�tinns by juricdiction ta con�litute�unifam security incuuntent ouvering reAi propohy.
<br /> UN�ppRM cpVBNA(�P�'S. go�rower and I.ender covenant and�g�ce as iollows: P � w���
<br />--=s: l. PaymeM oi Principal�ad Iate�st;Pe�psymait�ad LNe Ch�rQe�. Botrower shall rom Y Pa9
<br />= pinci�of�nd imerost on Ihe debt evldcnc.�od by ttia 1Vote and an9 PmMY�nt and lalo charges dnc under tha Nae.
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<br /> ��fp�'Iyx�aod Insy��ce. Su�bja,�t co a�rtocabie law ar�o a wripcn waiver by LeiWer.Bonowe*s�a�LO Pt�Y b
<br /> - �����y��Y p�y��s a�e�iue uc�der @�e lYate,unW the l�Jotc is paid in full.a sum 1'�-►��:a�r r�s�
<br /> -- taxr.s atsd�.......��-���...x�!t"�F�'•"�7�•ver�his Sec,wity In�or�+t a�a liea oa the Ptopesty:lb1 Year1Y �l�d �,
<br /> paymen�s or grouna raus oo �ee Hopany. i��►y:lc1 yearly ha�rd a pmPenX � P�w�: la► y�a► flood
<br /> _- insuracr,�p�emiwns,d any; Qel YeulY mort�ge u►��D�'��ums.if any; and(n au�r wms P�Y� �►Y �roarer to
<br /> _ �,e�der,in acc,o�ta�ce wiW d�r provisions of puagrapli R.in lieu oi thepayment oi mo�IgiRe in�uuaoce pt�niwn�s- 7hse _ _
<br />- ioema me catlod"Escrow items:' L�der�IY,w any time,rnllect and hold Punds io an omount not to exceed�be ma�eiawm . __.
<br /> '�;:� �a�oum a k��der fur A fedeally telated�e laan tnay t�equi�for Bormwer�a escrow aocamt w►der the(ederal Rnl —
<br />—.�_, � Eslate Settlement Phocedunes M d'14��As.crr�eodod from dme to time.12 U.S.C.$2601 er seq.l"RF_SP14"1.unlrss a�wther
<br /> ``-•� law tLat applies to the iiuds sets a'leseie�r�. liP se�.•i.aaad�r may.at any time.collect and hold Fu�ds in an wnowu oat to
<br />=•� c�.:wi iire kaarr w�wwa. :.K.x:�� �ou�i� :�:��c :�'�" t ef Fusds clue�e! �ti•• ti•cia of curte�t datp and rte:�va�le —
<br />�_ e�af enpenditwGS of iw�v.':�.�r�uw 9WC�nas or oi�er�.�::�r in xcoMance wi�h applicable law. -�.-
<br />-- 7Lc R� sMll be holrb 6m an inctit�ne+aKn whose d�posits ue insured by a fed�rni agency.instrumenlality. ur enUry
<br /> includin I.ender.if Irender i�snch an institu�on)or in any Fr.deral Home I.o�n Sank. l.ender shall sipply the Fnnds to pay .
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<br /> the Escrow Itema. Lender may nat charge Borrower far holding and appiying �f�e Ftmds.annually anelyzing the escrow �
<br /> pccwmt, ar verifying�he ��w Items.unless L.ender pays Hamwer interest on �Ore Funds and applicoble law permits ;:.;.
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<br /> � i.ender to make such a chr�u�,�. However. Lender may require Bormwer to pny u or:e-tirne charge far an independent neal �:���
<br /> esnte 1ax repewting seryice tr�;�.by l.enckr in connoction whh this loan.unless applieabi�law provides aherwise. Unkss an � �:_
<br /> �^ l, agroement is made or applirable law roquires interest uo be paid.l.etider shall not be required w pay Bamwer any interrst or v=
<br /> .`:;;. ,..,, eamings on the H�nds. Bamower w►d L.ender moy agree in wnting.however.thut interest sfwli be paid m Ihe Funds. l.ender -
<br /> -- sh�ll give to Bormwer.withput clw►ge.an amwal accauming of the FLnds.showfng credits and debits ta Uie Funds and the
<br /> •,.�v,'�'' W!tpc�se tor which each debit bo�he Funds w�made. 71�e�unds are pledged as addit�onal sacurity for all�ums sw.-��d by _
<br /> "`"-" --._ Wu SecurilY Insaumcnt. ��'"
<br /> . '�' li the I�nds held by L.endcr exceed the amounts permitted to be hcid by �pplicabiC i,iw.�er shal; av.:.�t ia
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<br /> . f; .� � 8onower for 1de txcess Fl�nds in acco�dance with the requirements of aaplicable law. Ii U�e amount of the Funda held by • �;�-
<br /> � •���; I..ender at aay c�ca�is root sufficient to pay U�e Escrow Items when dur.,Lender may so notify Ba�ower in wridng.and.in �:�°
<br /> ,',4'� * � , such case Bor�sww�Q s?utl�pay to I.ender the amount necessary to ms�ke up the deficiency. Borrawer shall make up the '•*�:_
<br /> • �•,'", deficia�cy in no more thain aweYve monthl ments.at L.enderh sole discretion. °°.._
<br /> Y PAY �::::
<br />'�'`.�.:" ' '�;,�y�4..;�r� Upon{sayment in full a�ff aEl sums secured by lhis Security Inswment.l.ender shall promptly r�efund to Bormwer any
<br /> �" Fi�nds held by L.ender. If.under parogrnph 21.Lender shall ooquire or sell the Property.Lender.prior to the ucquisitio:+or �
<br /> ` �` selc of the Property.shall apply uny Funds he�d by I.ender at�he tirne of acquisiUon or sak as a credit ageinst the sums e.�-.,
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<br /> _ ;. ;�.���, secuned by this Security Inswment. �:�
<br /> ?_'"` �!� '..�.;.:,,� 3. Applkalbn of Paymentv. Unless applicable luw PfOVIdCS dhenvise, nll payments received by I.ender w�der �•
<br /> �,,, •Y� p�grephs 1 and 2 sholl bc applied:first,to any prepayment charges due under the Note;second.to omounts payat►le under �`��:
<br />- _ psua��aph 2;�hird,to interest duc;fourth,to principal due;and last,to any latc charges duc under tha Note.
<br /> - - - 4. ClwrRw: Ltens. Borrowe�• shall pay all laxes, assessmems. charges. fines su�d imposft�ons attribuu��bie to the ���
<br />- Proipecty wh9cM may attnin prio�fty over this Security Insuumenl,and leaschold paymen�s or ground rents.if xny. Burruwe� �.
<br /> T�,'�"�,t{�;. � �'�i1.'� shal!pw4 tfiesc obliga�fons in the mnnner provided in parr+graph 2.or if not paid in�hat manner,Barowcr shall pay them on �'�:�-
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<br /> x:1+ � "� ti�ne direci9y�a�.fie person awed payment. Bomower shall promptly iumish to l.endcr all nwices oi amoums to be paid under
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<br />,;":` '•, ; �3 this�uruAraPh. 1/8orrower makes these payment�directly.Bamwer shall promptly fumi�sh to Lender receipts evidencing .
<br /> ` "~_�°F. •t6ie PaYmems.
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<br /> 8orrower shall promptly discherge nny lien which hac priority over this Security Instrument unless Barrower: (a)agrees
<br /> `�"~'�✓�°�:W:� in writing to tMe payment of lhe obligation xecured by the lien in a manner ucceptabte t�I.ender,lbl cr,ntrests in gaod fai�h the -
<br /> �'� �'�"r lien by.or defertds against enforcement of the lien in,legal proceedings which in the l.ender's opinion operate to prevent the 's�:
<br /> 4l'-`--= p '�:�..-: enfoncement of the lien;or(c)secures from the holder of the lien an agreement ssuisfnctory to Lendcr subordinnting�he lien ;*.
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<br /> �'. ° =�;dfi..�.. to this Secudty Inswmem. lf Lender detertnines that any pnrt of the PropeRy is subject to a lien which may anain prior�ry r,�e=
<br /> : :.,.� ,�:'• over this Security Instrument,l.ender may give Borrower a notice identifying ttie lien. Borrower shall satisfy the liea or take ,:
<br /> ,„,•., ^���:' ona or more of the sictions set fonh above within 10 duys of the giving of notice. � r
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<br /> ` r�r. �` • �;�•��� S. Ns�ard or Property Insurance. Borrower shall keep the improvementE now eaisting or tiereuiter erected on the
<br /> �:�';;`: '�"�"' ..'� . •. propeAy insureul against loss by fire,hazurds included wilhin the term"eatended coveragc"und uny other h��rds.including
<br /> �:�?+�``t � ��' `� � ftcads or flood'an , for�wPiixh lxnder requires insumnce. This insurwke shull be muinwined in the amounts and for the
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