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<br /> TOCiBtxBrt wnH.0 d�e��prO�emaws now a ba�e.nx avaea on d+e aop�ny.�na aU eaane�w.,
<br /> �nd Axtina��ow or I�Aer a pKt o!the p�ape�ty. All nplacanents md�Aditions�ii iJ�ta c�v�3 b����
<br /> �A!!a[d�e tor�oin�4 rafarod lo in this Socudty Luwmau u tbe•Praperty.°
<br /> BORROWBR OQVENANCS thu Bortower i�lawfully�ei�ed of the auue ba+eby conveyed ud hu the d�ht.a panc
<br /> aid convcy the ProQaty and thu the Propaty js w�encumberod,except for encumbrances of nco�d. Borrower wurtnu�nd
<br /> will delend�enaallY d�e dtk b d�e Propa�ty a�aiort�ll clainu�rd darwids.wbject to ny eecumbranoes af record
<br /> T'!!IS SENRITY lIV3TRUMFNT rnmbinee unifam oovenants foc rutiaul u�e �nd na�-uni[orm covawits with
<br /> lirtritad varlq�ont by jurisd�ctlon to c�nsHwoc a unifam�ecurity Lutrument coMerine nal pcoperty.
<br /> UNII�ORM COVENANTS. 8amwer and Lrndec cova�nt ud agree as folbwa: wha�due the
<br /> 1. P��at af Pri�cipd�d 1�tera�ti p�'�WY�t sad i.ate Cbarsa. Bamwer shail ptomP�Y PzY
<br /> priaci�l of u�d lntaest on the debt evidunxd bY the Note and anY P�'�WY�M�lue charges due�uider the rtooe.
<br /> 2 FyWs tor 7l�Yee ud Inwr��c�a Subjoct to applicabk l�w or w a wntten wdver by Lender.Bartower sh�ll pa�y ta
<br /> La�dar on the dty monthlY WY�s aro due under the Note.unt�l the Note is p�id in fuU��sum("Phtdn")for:(a)YearYy
<br /> Wcec and at�esatnents which mzy�tt�ir►pciorlty over this Securiry Inttnunent as A Uen on the A�ope�ty:(b)Y�Y�*��
<br /> P+►Y�s a 8.��rcnts on the Propa'ty. If any (�) Y�Y h�or pmpeny insur�u�ce premiwns: (d) Yearly flood
<br /> insu�exe premiums� if any; (e)Y�Y �Sage insur�ncc Premiums.�f any: �qd (fl any sums pnyabk by 13amwer to
<br /> L.ender,in�eco�dance widt ttK provisions of pan�graph 8,In lieu of the payment.of awrtgage insurance prcmiums. Theso
<br /> items eue caUed"Escmw Items." Lender may.at any tune.wllect�nd twld Funds{�m amount not to exceed th¢mxxUnum
<br /> — �maurtt a lrnder for a federelly relaced mortSaSe loan may require for Borrowerk escrow accow�t under the fakral Real
<br /> Esute Setilan�M Pro�.�edures Act of 1974 as amended trom dm�to time.t2 U.S.C.�2601 et seq.(.,RESPA").unkss�rattKr
<br /> _ ��W�l�t spp►ies to the Fi�nd�sets�lesaer anwunG If w,Leader may>at u�y time.rnlkcc and hold fiu�da in an unount not to
<br /> cxaed the ksser amount. Lencler may estim+te the amount of Fi�nds due aa thc basis of curcuit datr And �so�wbie
<br /> estimates of expenditunes of future Escrow Items or otherwise ir►accordanc:e wlth appllcabk law.
<br /> '('fie Wnds shall be held in an inst�tution whose depocits arc insured by a federal agency. instrumenWity.or entity
<br /> (including Lcnder.if Lender!s such An inst�tution)or in any Federal Home(.oan Bank. Lender shall apply the Funds to pay
<br /> the Escrow Items. Lender rns�y not chsrge Bo�rower for holdin8��PP�Y�S���•�ually analyzing the es�,mw
<br /> �ccount, a vedfying the Fscrow Items. unless Lender pays Boaower interest on the Wnds and applicAble law permits
<br /> L.ender to make auch a charge. Howev�r.l.ender may coquire Borrower to pay A one-time charge for an indepcndent mpl
<br /> esute tu�nporting suvice used by L.ender in connection with this loan,unless applicable law provides otherwise. Unless an
<br /> agreement is mnde or applicabl�law requic�es inteoest to be paid,I.ender shall nat be required to pay Bomower Any inta+est or
<br /> earnings on the Funds. Bomower and Lende�maY aRrce in wridr.g,however,thAt intercst shall bc paid on the Funds. Lcnder
<br /> sh�ll give to Bomower.without charge,an annual accounting of the Funds,showing credits and debits to the Funds and the
<br /> pu�pose for which each debit to the Funds wes mAde• The FLnds are pledged as additi�onal security fo:all sums secnrod by
<br /> :bis�casris;Ir�ssssmrni.
<br /> •�^ If the Punds held by Lender exceed the amounts permitted to be held by applicable law. I..ender shxll acecwnt to
<br /> ,.'� �orrower for the excess Funds in accord:u�ce with the t+equirements af applicable iaw. If the amount of the F1mds held by
<br />_ l.endsr at�ny dme is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in wridng,and,in
<br /> = such cue Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the
<br /> - deficiency in no more than cwelve monthly payments,at Lender�s sole discretion.
<br /> - Upon payme�t in full of all sums secured by this Security Insuument,Lendec shall promptly refund to Botrower any
<br /> EUnds held by Lender. if,under paragraph 21.Lender shall acquire or sell the Property.Lender,prior to the acquisition or .
<br /> sale of tt�e Property,shall upply any Funds held by Lender at the tirm of acq�iisition or sale as a credit agunst the sums
<br /> secur�ed by this Secudty Instrument. _
<br /> 3. Applicatlon ot Payments. Unless applicable law provides othecwise, all payments received by L.ender under
<br /> := parag��phs I and 2 shall be applied:first,to any prepayment charges due under the Note;second,to amounts payable under
<br /> = pangraph 2;third,to interest due;fourth,ro principal due;and last,to any late chnrges due under the Note.
<br /> - w�j�,,; 4. ChaeQes; Liena Borrower shall pay aU taxes, assessments,charges,fines and impositions attribuiabk to the
<br /> . , :hi. Property which muy attain pdority over this Security Instrument,and leasehold payments or ground rents,if an}•. Borrower
<br />_ '� �;�_- shall pay these obligations in the manncr provided In paragruph 2,or if not paid in that manner.Borrower shall pay them on
<br /> 3�'�� •� `R` time directly ta tho person owed payment. Borrower shali promptly fumish to Lender all notices of amounts to be paid under �
<br /> _ . �;i�•�:•: �_ , .�:e��
<br /> •.r�„•,•,. -.;.,;, this paragraph. If Botrower makes these payments dimctly.Burrower shatl promptly fumish to Lender aceipts evidencing _
<br /> '�::.,,:? �,�,��t the ents.
<br /> `';;:.t..:::;:�`;'.. B�o�wer shall promptly discharge nny lien which has priority ovcr this Security Instrument unless Borrower:(a)agree�
<br /> � �;�;;�, in writing to the payment of the obligation secured by the lien in a manner acceptoble to Lender.(b)contests in good faith the _.
<br /> �� � �: f�t: lien by,or defends against enforcement of the lien in,legal proceedings which in the Lende�'s opinion operate to prevent the =
<br /> --y :�:"�`. �,�;_:�: enforcement of the lien;or(c)secums from the holder of the lien an agrcemen[satisfactory to Lender subordinating the lien _
<br /> ��","" ��• `��"` ta this Security Instrument, lf Lender determinex that nny part of the Propeety is subject to a lien which may attain priority =
<br /> :;, ' ,: _.,.;;:.,
<br /> w°�•�::��'�:� over this Securiry In�wment,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take
<br /> "' ' ' ' �'"' one or more of the actions set forth above within 10 days of the giving of notice.
<br />. ��•;4' . ,�:;.� S. Ht�rd ur Property Insurance. Bortower shull keep the improvements now existing on c�mafter erccted on the _
<br /> •'' � Property insured against loss by�rc,hazards included within the term"extended coverage"and any other hazards,including _
<br /> •- �' � ` `"���" floods or flooding.for which Lender rcyuires insurance. This insurance shall be maintained in the amounts and for the
<br /> y.se��1�'
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