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<br /> - -- ----� 'i�iGai'iicA WI'i"r�xii iint.imptuvrn��uuw ur iw�w�iiw v��xiw!ai ifw�iiu�,d�iy.i�i�i t�ii C '��'�iz.�r'yw-ia• `
<br /> �nd(ixluror naw cx hereafter K pqK ot the propeMy. Alt roplrcer�enw�nd additianR ahall a1w be wvaed by ahi�: . .uity
<br /> 1nYrummt. All of the fa+cgdqR l�roferted w In thiw Security Inttrument a the"PropeAY."
<br /> BORROW�R CnV�NANTS tluit Born+wer is Irwiully sti�ai uf the e�ta�e het�by conveyod uxi tue the d�ht to grant
<br /> �nd canvey the Pmpetty uui tl�,ihe F'roperty is unencumbercd.except far encumbrance�of rocord. Banov►er wuraiw u�d
<br /> will defend aeneralty the titk ta tl�e Pmperty���inu all rld�and dem�nds.subJect to any encumbrances of rowrd
<br /> -'°'""'""""`�`��'� 7'H15 SECURITY INS'fRUMENT combitxs uniform coven�nts fi�r ruition�t uYe �nd non-unifarm cove�unt� wiU► -
<br /> limited vari�dona by juri�diction,K�constitute a unifom�ucu�ity insuument coverin�real ptopeny.
<br /> UNiFORM COVENANTS..Hc>mower�d Le�der covenant�nd ag�+ee as follows:
<br /> l. P�ymeat of Priacl{�ul.�nd lsteresti Preparmtnt aad Late Cb�p. Bocrower sh�ll pr�omptlY paY wlxn due the
<br /> principol of and interest on thc d¢bt evldertcod by ihe Nae wxl wiy prepayment and Iwte churges duc undcr the Note,
<br /> �. FLnds for 1liucee R�d Inwrance. Subject to rppticablo Inw or to a writusn waivor by Lender.Barawer�iwll pay ta
<br /> __— —_ l.cnder an the day monthly payments arc duc undcr the 1Vote.untll the Note ls paid in full,a sum("Funds")for:ta)yearly
<br /> taxes su�d assessments which rtw��att�in prioriry over thia Secudty Insuument ns x licn on thc Property;(b)yearly leasehold
<br /> pxymenta a ground rents on tM Ropen3, if any; (c) yculy hazard ar propccry insuranco prcmiums; (d) yealy fload
<br /> inaurance premiums, if any; (a)yearly mongage insuru�ce prcmiums, if any; and (� any sums pxyablc by Borrower to
<br /> Lenckr,in accordance with th�t qrovisions of paragraph 8,in lieu of the payment of mottgage insurance premiums. These
<br /> items Are called"Escrow Items;' Lender may,at any time.collect end hold Ii�nds in an amou�t not to exceed the maaimum
<br /> amount a lender for a federally relxted moctgege loan may rcquire for$orrower`�escrow acconnt under the foderal Real
<br /> Estate Settkment Procedures Act of 1974 as amended from time to time, l2 U.S.C.$2601 et seq.("RESPA"),unlccs another .
<br /> -----__ -__--— law that applics to thc f'unds sacs a lesser amount. If so,Lcnder may.at any time.wllxt und hold Funds in sn amount not to
<br /> exceed the lesser amount. Len,-ler may estimate the amount of Funds due on the basis of currcnt data u�d rcasonable
<br /> esdmAtes of expenditures of futpra Escrow Items or atherwise in accordence with appUcable law.
<br /> 'I7w Funds shall be held in an institution whose c{eposits urc insurcd by a federat agcncy. tnstrumentality,or entity
<br /> (ineluding Lender.if Lender is such��instiWtiun)ur in tu�y Federal Hurne L.osn Banic. L.ender sh�li apply tiie Fnnds to pay
<br /> the Escrow Items. Lender may nat chuge Borrower for holding and aQplying the Fimds. annually analyzing the escrow
<br /> accounG or verifying the Escmw items, unless Ixnder pays Burrowsr lntercst on the Fvnds and upplicable law permits
<br /> I.ender to make such a chuge. Howevcr. l.cndcr mny require Borrower to pay a one-time charge for an independent rcal
<br /> estate tax reporting service used by I.ender in connecdon with this loan,unless applicable law provides otherwise. Unless an
<br /> agrcement is made or applicubk�faw requires interest to be paid,Lender shal l not be rcquired to pay Borrowcr any interest or
<br />�r} eamings on the Funds. Bormwcr and Lender may agrec in writing.howevcr.that interest shall be pald on the Funds. Lcnder
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<br /> ,.• s h a l l i v e t a B a r r o w e r w i t h o W c h a r e,a n a n n u a l a c c o u n t i n o f t h e F u n d s, s h o w i n c r�e d i t s a n d d e b i t s t o t h e F u n d s a n d t h o
<br />-�`�!�=.,I��� purpo8e for which each debit ta�t�e Funds was made. The Funds are pledged as additiorwl security for all sums securcd by
<br /> -- - :��rt— � thic Security Inswmeni.
<br /> �'�!i • If the Funds held by Ler�r exceed the amaunts permitted to be held by applicable law. Lender shall account to
<br /> -+`� s'r Bomower for the excess Flmds in accordance with the requirements of opplicable law. If the amount of the Funds tield by -
<br /> �.+',v:+'�����` Lender at an time is not sufticient ta a the Fscrow Items when due,l.endcr ma so notif Borrower in writin . and,in
<br /> • ���„•..,.i... Y P Y Y Y �
<br />'�. �,�� y�;�t!s�.�.,� such case Borrower shall pay ta l.ender the umount necessary to make up the deficiency. Borrower shall make up the
<br />���� ��,"���� '�� ,• daGciency in no more than tw•ei�•e monthiy payments,at L.ender's sole discrction.
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<br /> �,,...,, Upon payment in tu11 of;dl sums secured by this Security Instrument. Lender shall promptly rcfund to Ha�rower any
<br /> �'i�:":�i•.`}�`'. ,�.~t. Funds held by l.ender. If,undec pairagraph 21.Lcndcr shail acquirc or sell d�e Property,Lender,prior ro the acquisition or
<br /> `�'�'•" '""'` ''�' � sale of tha Property,shall upply uny Funds held by I.ender at the time af ucquisition or snle as n credit against the sums
<br /> �f'`''� � "� � �i� secured by this Security Instrument.
<br /> ��`'`��w`�� .�:e`�`�4 3. Applieation of Paymtnts. Unletis applicublr law provide+ otherwisc,all payments mceivcd by Lender under
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<br /> �� �' � parngrrphs 1 and 2 shall lx applitxl:fir+t,to any prcpayment churgcs duc undcr the Notc;sccond,to amounts payAble under
<br /> `- � �)wr:;:�: . .�:�.a�f►�t�ti paragraph 2;third,to lnterest dua;fcwrth,to principal due;and lust,to any late charges due under the Note. -
<br /> r Fk•.;�.�•'x�:�•� � 4. ChAr�es; Liens. Bortnwcr shall pay rll taxes, ax,e+sments, chargeti, fines and impositions attributable ro the =
<br /> .. > Propeny which mny attain prinrity over this Security Instrumcnt,:u�d lcuschold payments or ground rcnts,if any. Borrower
<br /> . �.Y..:.:-�: .. . •,, shall pay these obligations in tlu m:►nner provided in paragraph 2,or if not paid in that manner,Borrower shaU pay them on
<br /> •:--;��� ��:� time diRCtly to the person ow��:d px��ment. Borrower sl�s�ll prompdy fumish to Lender all notices of amounts to be paid under
<br /> -+ "`'�= .'�' •'��``'�:t this parugraph. If Borrower m�lces these payments directly,Borrower shall promptly furnish to Lender receipts evidencing
<br />`#. the payments.
<br /> ... . • Borrower shall prompd��discharge any lien which hus priority ovcr this Security instrumcnt unless Borrower:(a)agrees
<br /> in writing to the payment of ih�obligation�ecurcd by the tien in a manner acceptable to Lender,(b)contests in goad faith the
<br /> - �,�� j lien by,or defends against enfc�rcement af the lien in,Iegal praceedings which in the Lender;opinion operate to prevent the
<br /> ��� � enforcement of the lien;or(c)seeures from the holdcr of the lien an ngrcement tiutisfactory to Lender subordinating the lien
<br />`""� ;'r�' ` � to this Security Instrument. If Lender detertnines that any part of thr Prope�ty is subject to a lien which may attain priority
<br />" - - • ;.'�' over this Secufity instrument.Lender may give Borcower a notice identifyin�the lien. Borrower shall satisfy the lien or take `
<br /> , _ `�` �• ' one or mone of the actions set farth above within 10 dayc of the giving of notice. 4
<br /> ��--=��-=-�- � S. Ha�rd or Property Insurance. Burruwer shall keep the improvements now existing ur hercaftererected on the -
<br /> -�� ��:.::�"`' ` Property insurcd against loss by fire,ha�ards included within the tertn"extended coverage"and any other hs�ard�,including
<br /> •-��r. ''�'��:::;: ...i:�:` floods or flooding, for whict► [,ender requins insurance. This insurunce sholl be muintuined in the amounts and for the
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