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<br /> � • TO�ETFiER WiTH eu the improvEmtonts now or ficreaftor ePeated on the proporty, and nll aaoemente,uppurtenan000, nnd �
<br /> ° ; � Axturas now or horeaRer a peR oi the property.Ail replacements and addittons ahall a�so be covored by thle Sscurity inot►umont.
<br /> � AII of the foregoing Is reterred to in thie 3ecudry Insuument as tho'P�operty.' -
<br /> 80RROWER COVF.NANTS thnt 8onowor lo lnwfu8y ealzod ot the ostate heroby convoyed and has the eight Io gr�nt nnd -
<br /> aonvey !he Properiy and that the Property la unencumbered, exaept tor encumbrances ot roeord. Borrower wartente end w I�
<br /> deTund generaly thp UUe to the Ptoperiy aguinat uil clnlma end demands,eubject to any encumbrances of reco�d.
<br /> � . THt3 SECURITY INSTRUMENT combtnes un�Tortn covenant� tor nallonai use and non-unilorm corenanta with Itmfte� '
<br /> vadntiona by judodlcNon to consUtute a uNtorm secueiry Inetrumcnt covering reul properry. '
<br /> UNIFORM COVENANTS. 8onower and lender covenant and agreo au follows: n
<br /> 1. Payment of Prtncipal and Intereal; P►epayment and Late Charges.Bor►ower sheE prompty pay when 0 '
<br /> due tho pdndpnl of and MtFxeat on the debt evldenced by the Noto end nny prepayment end late ehargos due under the Note. � ; --
<br /> 2. Funda for Texes and Insu►ance.Subjeat to applicabte law or ta a written weNer by Lender,Borrower shail pay O ( _
<br /> � ,_ _. to Lender on the day monthly paymenta are due under tha Note,unUl the Note Is pald In tup, e sum ('Funds7 tar. (a) yearly � � —
<br /> taxea and assessments which may ettatn prfority over this Secudty Inatrument ea a ilen on the Property;(b)yeady teasahald � -. . ---- ---
<br /> . peyments or ground rents on the Property. H any; (e)yearty hezard or property Insurance premiums: (d) yearly ftood Inaurance � --
<br /> premiums,if any: (e)yearly mortgape insurance premfuma.B eny; and (q any sums payable by BoROwer to Lender in accordance u-
<br /> ' wfth the provisbna ot paragmph 8, in Neu of the payment of mortgaga inauranee premiums. These kems are caled 'Escrow
<br /> . ftema.' Lender mey, at any dme, colled and hold Funds in an amount not to exceed the maxlmum amount a Iender tor a =_
<br /> ' fedetally related mortgage loan may require for Borrawer's esaow account under the federat Resi Estate 3ettlement Procedures � ; � � ,W�
<br /> Act of 1874 as amendedfrom dme to Ume. 12 U.3.C. $2601 et seq. ('RESPA"), uniess another law thnt eppltea to the Funds .�`�,.`;,,:�t:.•
<br /> .�;t• �
<br /> seta a Iesaer emount. B so,lender may. rzt any tlme, collect and hoid Funds In an a�nount not to oxcFnd IIAe M..ssc-r a�ttount. � .f �
<br /> ;r,.;:
<br /> � Lender may esUmete the aveount of Eunds due an the basis ot aRent data and reasae�ahl�es4imatoa o9 ea�end3ares o4 future ',:��;.;�.�;.F, , �.�;•�
<br /> . ,,;�•,��-�;,. Escrow ftems or othervrfse tn aceordance wilh AppSieab!e Iaw. I�,,`..'..���'��'.f,A � . �'
<br /> ' - • The Furtcls shali bo held in an inslituUan whoae deposits are insured�y a tederal ag�cy,instrumQa4aUry. or entiry pncluding � ( s`� ' f{,,,u'"""'
<br /> " " Lender, H lcnef`r is such an institution) or fn�ny F�deral Oiome loan B��ic. lender shap apply the Funds to pay the Esc►ow �,t��.�� � «n�v
<br /> ' "' Items. lender may not char e 8orrower tor hoi�n and in the Fun�s,annual ana n the escrow account,or ve n ' � � y+ < <1� `,
<br /> ,. 9 9 APFN 9 �Y N�9 � 9 �•� a;:',���ixsfi� , �n�s_;t.;:,,
<br /> - tP�a Escrow hema. unteas Lendu pays �arrawer interest vn tAe Funda end applicable Iaw pennfts Lender to meke such a . ;y�,'?..���F;j€i'c�;;Y:.y
<br /> cherge. However. Lenda may require Bortower to pay a onetlme charge for an independent real estete tex reporGng seniee ���:':::,;��:,,-,�3`.��,K,��t•+��f�;4'�e.
<br /> � used Dy Lender in comectFon with thfs Ioan, untess eppNcebie Iaw provides othervvfse. Uniess an agreement Is made or :;'�;;�.�. t••:;±`��
<br /> '� � appticable Iaw requires Interest to be paid. lender shall not be required tm pay Borrower any interest or eamfngs on the Funds. ,`��:',�� . '"�f�:'`;�JYZS:
<br /> `�I'��;t•� � • Bortower and Lender may agree in wtfting, however, thal interest shall be peid on the Funds. Lender shall gha to 9onower, ,;.,'� �'��"
<br /> `,�}�i�.:`
<br /> � wfthout charge, an annual accounUng of the Funds, showing credrts and debRs to the Funds and the purpose for which each =
<br /> � debtt to the Funds was made. The Funda ar�piedged as add�lonel security for all sums secured by the Secutity inatrument. �
<br /> ��t ��� If the Funds held by lender exceed the amounta permftted to be held by applicebie law,Lender shali account to Borrowor ,
<br /> '�•.!' ` for the excess Funds in accordance wfth the requfrements oi appBceble taw. if the amount of the Funds hdd by Lender at any ° !'►��
<br /> "'�' Ume Is not auflident to pay the Escrow Itema when due,Lender may so notHy BoROwer in writing,and, in such cese BoROwer • � -, �
<br /> ,, .
<br /> ���' ' . ' ' � shail pey to Lender the emount necessery to make up the deftdency. Sorrower shalt make up the defldency In no more than •���,
<br /> tweive monthiy paymeo►ts,et Lender's sote dlsaeUon. ..
<br /> � Upon payment in tut oi atl sums seeured by thls 3ecurity InsUument. Lender shall prompUy refund to Bortower any Funds �
<br /> _.—.-- = n�id by tender. i�under paragraph 2i. trnJ�, si�aR acquire ur sNS ttss f'rapert�r.Len�tr,pdar ia 2ha accp�ttbn ar:.ala ot the �--- :,:.-:.,—� _.—' -
<br /> �,,'��• P�o shaa a an Funds held by Lender at the time ot ac isiUon or saie as a credit agalnst the sums secured by this ' �''��,• �
<br /> �r;�;.�t� PettY. PP�Y Y Q° I '. ;; ,,� . .
<br /> k: -± Security�nstrument.
<br /> '';,:i� 3. A�p1lCatiOrt of Payments. Uniess applicable law provldes otherwise. all payments recelved by Lender under r.�" �� '
<br /> • paragraphs 1 a�d 2 shel be applied: ftrst, to any prepayment charges due under the Note;second, to amounts payabie under i • " t .
<br /> �:;t;.� : paragraph 2: third,to inte�est due; fourth,to pdndpal due:end last,to any lete charges due under the Note. I • �
<br /> �' �� 4. Ch8rge8; U8I18. 8orrower shall pay aY texes, assessments, charges, fines and impositions atUlbuleble to the r=
<br /> ��'' ' Pro which me atteln over this Secu Inetrument, and leasehdd payments or ound rents, tl en BoROwer shail � ' .••_6{,; .
<br /> •.j,l�•:� . , P�Y Y P�Y �Y � y'
<br /> pey these obligations in the manner provided in paragraph 2, or(f not pald in that menner. BortoNer sheU pay them on Ume � ��,
<br /> � directly to the person owed paymsnt. BoROwer shaA promptly tumish to Lender a11 noUces oi amounts to be pald under this � -
<br /> paragraph. M 8orrower makes these payments direclly. 8ortower shali promptiy tumish to Lende► recelpts evldenGng the � , .
<br /> payments. � -s,.' �1
<br /> • � Borrower shall promptiy discharge any lien whfch has priority over this Security Instament unless Bortowcr: (a) agrees in . '. ��.,����,t:�"
<br /> writing to the payment oi the obltgaUon secured by the Iien In a manner acceptebte to 4ender, (b) contesis h good talth the ; , �,r.
<br /> <l;�A._t, � � lien by, or deiends agaNst enforcement of the Ben in. Iegal proceedings which in the Lender's opinion operate to prevent the � y,y%J• 'y�_
<br /> • i enfoteement of tbe Ilen:or (o)secures(rom the hotder of the lien an agreement saUsfaatory to Lender subordkiating the Ilen to �
<br /> this Security Instrument.If Lender detertnines thet any part of the PropeAy is subject to a Iien which may atlai�priomy over this !
<br /> .. � �'�,+ . . •�e.
<br /> � Secxirity Insttument,Lender may give Bortower a notice ldentifying the lien. Bonower shall satisiy the Ilen a take one or more oi � • ,-
<br /> , , ` ,.:,�;:i� the acUons set forth above wNhin 10 days of the giving of nodce. �_
<br /> • 5. Hazard or Property Insurance. Sorrower shall keep the improvements now exisUng or hereafter erected on the , �
<br /> Property Insured against loss by flre. hazards included wilhin the term "extended coverage' and any other hazards, inciuding ..�"�_--
<br /> , floods or flooding,for whlch Lender requlres Insurance. This insurance sha11 6e maintained in the amounis and for the pe�lods � �
<br /> • !'' that Lender requfres. The inaurance ca►rler providing the insurance shall be chose� by Bortower subJect to Lender's approvai ;t�'
<br /> �'�' which shall not be unreasonebty withheld. If Bonower faifs to maintefn coverage described above, Lender may,et Lender's '`'.;' '";::
<br /> : '.�S optlon, obtain coverage to protect Lender's rights in the Property in accadance with paragraph 7. '
<br /> All insurance potiCles and renewats shali be acceptable to Lender and shall include a standerd modgage clause. Lender ,�
<br /> ;��,.;;���., sheli have the tight to hold the policies and renewals. If Lender requires. BoROwer shall promptly give to lender aA receipts of . .
<br /> "�� � paid premiums and renewa;notices. In the event of Ioss.Bonower shaW give prompt�otice to the insurance earrier end Lender. �
<br /> �'� lender may make proot of loss it not made promptly by Bortower . �
<br /> Unless Lender and 8orrower otherw�se agree in wdtng. insurence prmceeds shell be applied to restoration or repair ot the ' •' � �.
<br /> Property damaged,it the restoration or repau�s economically teas�ble and Lentler's securiry is not lessened.If Ihe restoration or `` �
<br /> repalr is not economicaly feasible or Lende�'s security wecltl be lessened. tne �nsurance proceeds shaA be appfed to the sums -" �i .
<br /> secured by this Secutity InsWment, whether or no: ihen due. wdh any� ex�ess paitl t� Bortower. If Borrower abandons the
<br /> � Property, o� does not answer within 30 days a naUce (rom Lender that t!�e�nsurance :.�r�er has offered to senle a c1a�m,then ,
<br /> � Lender may ColleCt the insutance proceeds. Lender may use the proceeds to repa�t o� reslore ihe PropeRy or to pay sums
<br /> seCUred by this Security Instrument.wheth�r or nat thert due. The 30-tlay penod will begm when the rtotice is gnen �•"�•
<br /> � Uniess lendet and Bortower othervu�se agree m wnting. any apphcation of proceeds to pnrtapal sF�aL not extend or :...
<br /> postpone the due date ot the monthty paymenls .eterr�d :� in paragraphs 1 and 2 oi change the amount of th�payments. Et
<br /> under paragraph 21 the Pcaperty is acquired by Ler,cter yonower's right to any irtsurance poGcies and proceeds resuKeRg ho� ��
<br /> � damage to the Properry�nar to the acqulsdfon shall pass to Lender to the extent ot the sums by th�s Securdy tnsWment '
<br /> immediately pdor to the acqu�s�on
<br /> - � is. aaceeupancg+, roos�vdaaimm, inr�ainienance and u-�oivcii�� v� ine rropavay; "omvri,over's• i.�aoo
<br /> � �j�C@��71; �,8?JSJhmUA13. 8orro+ic�shall occupy. establish. and use the Property as 8orrower's pnnupal res:Gence v.dnm
<br /> sixry days aftet t�e euecuIlOn of th�s Security Instrument and shall contmue to occupy the Property as Bonawvis prinupal ,
<br /> residence for at leest one year after the date of occupancy. unless Lender otherw�se agrees in wnling. wMCh cons�t shall not �
<br /> be unre2sonebty withheld. or unless extenua6ng urcumstances ex�st wh�ch are beyond BoROwer's control Borrower shell not '
<br /> • desUoy,damage or impalr the Property. allow the Property to detenorate. or commd waste on the Property Bortower shalt be m
<br /> delautt it any forteiture actio�or proceedmg. whether crvil or cnmma� �s bequn that in Lender's good tarth pdgment cou�d resu�t
<br /> i in torteiture of the ProRerty or otherw�se materially impair the lien veated by th�s Secunty InsUUmenf or Lender s seeurrty mterest
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