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<br /> '1'(lUN.�'HFiR WITH all the impn,�en�cn�.iww ur heru►8er era:tect un l}u;pru�xi�y,�u�d all c�scu�ni�,uppwirt�n:.��. -
<br /> and f�zturc+�n�w ix here�tWr r p�'t uf the property. Ail rcptsr.emtnts urxl a�klitiuns shall alsu be cc��ertd by this Su:urity
<br /> inatumtnt. All af tha frn'Mtg�dn�i�retetrrxi w in thie Security Uu�dum�ent aa the"Property"
<br /> HURItUWf:R C`(i�J1�;3VAlY7'5 thr►B�Kmwer i�I�wfuIlN.�xie�ed oF�he estate hercby conveyed and has the right ta grent
<br /> ���y t�e ptt�erty�nd tlwt�M Prup�tq!�unencurnhprcd,exoept for encumbrarK:es af tecord. Borruwer wart+�nts au:i
<br /> __._ - - __„
<br /> wlll ciefend�enernJip ihe tHk to the Pmperty rqdml�II clpimRand�lema,+d4,subJect to any oncumbnnces of mcord.
<br /> _,_
<br /> 7NIS 5gCURl`l'Y INS'I'ItUM�1V'1' cumisiner unitcxm euvpnants tor nadonal u�e anJ nun•uni�u�u� cuveuY:��s w�u, -
<br /> limltod vul�llon�hp)u�irdictfnn to c��nrliluta�►unU�xm security inr,�ument cavering real propaty. .
<br /> - UNIFpR�f.�'(�VENANTS. Hrxn�wrr rn�Ler►c!rr envenernt and tt�ree as folIows:
<br /> 1. A�,ytnm�t o�!'rMclpd�d IN�rNMi�ppr����tx Chargee. IIorrower shall promptly pay when due r.t►e
<br /> Exinclpal of wn�i Intercrt�sn lhr ckM evldr�xcYf hy the N�Ne und un;+�xnpt►yment and la[e churges due under the Note.
<br /> Z, ���a•'rhx��nd�Nw�nice, tiubJnt to npplicable lew ur ta n written waiver by I.ender,Horrower sha11 pay to
<br /> Lcncicr im tha day m�nthly pnymrntw nm di�r un�kr thc Nntr,undl iha Note is puicl in full, u sum("Funds")for:(a)yearly
<br /> uuce�c u�d nsxrrmm�nln which may wttxin pdority uvrr�hiy Sauriry Instcumcnt as a lien oo the Property;(b)yearly leusehold
<br /> paymentw or grartnl sentN �n� ilw f'n►perty, if'uny; (cl ye�rly hazard or property insurance przmiuma; (d) yearly flaxl
<br /> lnwrnM:o pnimimne., +f any; (n) yrurly mortKagc insunuicr• prcmiums, if any; and (fl asny 6ums payablt by Barrower to
<br /> Lencier.in�K.c.urdnnrv�wlth�he pn�vi.ri��n.r��f pura�rupti t4,in litu uf ihe paymtnt oi mortgage insurance prcmiums. 'fhcse
<br /> itema nre cAllad"F?v�n�u�1t,�mw." [.e7Jrr may,ut uny Ni►�,c�tllrct und hold Fuitds in an amount not tn exceed tho maximum
<br /> wmount �Iendet tix w fadamilly relatecl m��ngrKc I�wn muy ceyuire for Bnrrower's escrow account undcr the federal Real
<br /> Etitat�:ienlamnnt E'tt►ceclurcs Ar.t of iN74 a.r umeixied frum tin�tu tinx, 12 U.S.C.§2601 et seq. ("RESPA"),unless a�iather
<br /> � law�hxt nppUus tu•the�hndw�tctv u IcsKr uua�unt. li���.i,ciic'w���iay,at any timc,collcct:utd hotct Punds in an;unount not to
<br /> excoed thn latssr anwunt. l.cnekr may c�timute ihr. u�nount of I�undri due on the basis of cunent data and reasonable
<br /> estimetet of ar,}xnditures of future F..crow hcros or uihrrwi+�In ucrordatx�a wlth upplicable law.
<br /> Thc�Fua�ds shull hc hcld in un intitttut6��u wliu+�� dcfH�rtiv arc iu�urcd Uy a fcdcrai ngcncy,insuumentality,or endty
<br /> (iunlu�iin�}[.�tndcr.if Lender is tiuch un institutiun)ur in uny I�c�krul f lumc I.aan Bank. Lender shall apply the Fundc to pay
<br /> thu E�wKUU� lwms. I,endcr i�iay not churgr Horr�+wer f��r I�uldin�;+md+�p�lyins the Funds,annunlly unalyzing the escmw
<br /> :�c�c��un�.•or verifying the t?scn►w Iterns, unleti� l.endcr puys Horrowcr interest on the F1mds nnd applicable law permits
<br /> I.,�:i�der to mukc such u churgc. H��wcvrr,l.�udcr m��y rci�uirc Hurruwcr ta pay a onc-ume charge for ttn independent real
<br /> esmtc tax reponing service utied by l.endcr in ruiiurctiun witn thiv louu,unless npplicablc 1�a providcs othcrwise. Unless un
<br /> '� agreement is mucl���r uppltcubtc luw rcyuircti interest tn Ix�p:dd,i.r►i�lcr shall nat bc required to pay Borrowcr any interest or
<br /> carnings un the Funds. Huttowcr and I.endcr muy aHrcc in writinyt,huwcvcr,that intercst shall be paid un thc Funds. Lendcr
<br /> shall give to Hurrc►wer,without chiirge,un mmu:d,ur��untinti��f ihc i�un�s,tihuwing crediGS and debits to the Funds and ihe
<br /> - nwnosc:for which L;►ch dehit t��thc I�unds was mudc. '1'he l�imd�arc piedged as addidonal secwiry for all sums secured by
<br /> — thiti cecudry Instn�ment.
<br /> If the FunJs held hy I.cnder cxcccd Uic umount, �xrmiucd t�� Ix� hcld by ap�licublc law, [.ender shall uccount to
<br /> Bonower for the excess Fundti in uccurdauc��with lh�rcquuc�►�enis uf upplicuble luw. If the amount of the Funds held by
<br /> — l.cnder ut any timc is nut sufficicnt tu pay thc F.srrow Itcun whcn�luc. Lcndcr may so notify Borrowcr in writing,and,in
<br /> � such caxe I3aROwt�r shull puy to l.ender thc umount nrcr„ary to iiiakc u�� the deficicncy. Borrower shuU makc up the
<br /> -- - dcficiency in no morc thun twclvc munthly paymrnty..►t I.cndir'+,olir�liticredon.
<br /> Upon payr.�ent in full of all tiunn,ecured hy d►iti Se�:urtty Imtrument, l.endcr�hall prompdy refund to Borrower any _
<br /> -- Funds held by L.cncicr. !f,undrr parugruph 21.l.endcr�hull uci��dre ur�rll�hc 1'ruExrty,l.endcr,prior to the acquisition or
<br /> — sale of the Property, tihall apply any Nuuds held by isnder nt �he �iuic ut:icquitiidim ur sate as a credit asainst the sums
<br /> _ _- _ secured by this Security Instcun�ent. _
<br /> � 3. Appllcatlon �►f Fwyrnen4q. Unlc�ti npplir:�hlo lsiw pruvidr+ ��d�rrw�tir, all payrnents received by Lender under
<br /> paragmplis I und 2 shall tx�uppNcd:first.to ary prcp��y�n�nt rluirtic,du�•un�lcr ihc Nutc:secon�,to amounts payablc undcr
<br /> paragreph 2;thicd.to interest due;fuutth,u�n�„��n:�t��u�;und lu�t.�u+ury I�dr ehutgcs atuc underthe Note.
<br /> -- 4. Charges: Lienz�. 8onowcr tiht►�I pay all tuxc�, u�tir�tinuutr, charKcti, lincs and impositions atuibutable to the
<br /> -- Pro�ny which may atta{n prioriry�wcr thiti ticcurity lutitnmicn�,:md Icu+chnld p,�ymcnts ur ground rents,if any. Borrower
<br /> �:r,-- shall pay d�ese obligatians in the mnnncr prr�vided in parii�;ruph:.�n'tf nu�raid in�hat mannar,Borrower sha11 pay them on
<br /> = dmc directly to the{+erson owcd payment. Nui7uwcr tihidl pruuipUy lurni�h t�►t.cndcr:ill notices of lmounts to lx:paid under -
<br /> � this paragraph. If BaTawer makes thcsc puymentti dinctly,Nurruwer,l�ull ��rumptly fumish to Lender receipts evidcncing
<br /> --� thc paymcnts. ' "
<br /> -- - °_��;� Borrower shall pruwptly discharge any lien whirh ha�c priority�rver tl�i�tiecurity Instrumcnt unless Bonower.(�)ngrees _.
<br /> ----_ in writing to the payment of thc obligutlun�ccurcd by the licn in n n�smncr i;cccpti�hlr tu I.cndcr;(b)rontcsts in�oad faith thc
<br /> -- licn by,or defends against cnforccment of thc licn in. Ic�;;d pnxcrdings whicl�fn�hc I,cnd��r:opinion operatc to prevent thc
<br />�'"° cnforccmcnt of+hc licn;or(c)sccums fram thc huldcr uf'ihc licn un+�};rucnir�n ti;dititiu:tury to Lcnd�r subordinating thc licn �
<br /> - _ - -- to diis Securiry Inswmcnt, If l.ender actennincs�hat cu�y p:�n uf Ihc Pm�x�ty i�tiuhjcct tu a Iicn which may attain priority
<br /> over thIs Security Instrument,L.cndcr muy gi�•c Hurruwcr u nuticr,idcutifyioti tlir lirn. liurruwcr sMall xatisfy the lien or take -_
<br /> one or morc of thc actions tict fonh abovc within lo d:�ys uf thc�;ivin�;uF nuricc.
<br /> _ - S. H�zard or Property Insurance. Hunowcr tihal!kcrp tl�c�+u�►ruvrmru�,nuw c�i+tin�!or hercafter crected on the -
<br /> �_=-�,r,...:..,�..r;,9. Pro rt insured a ainst loss by firc,h.•v.ards includcd within thc tcrm"��xtcndcil r�n-rr:iµc" �md uny other har.urds,including �I
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<br /> --- tlaods or}looding, for which I.cndcr rcyuircs insunuica 'I'tu, i�itiinanc� tih;ill IK uuumnin�d in thc ,,
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