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<br /> �pQ f!7[11Ri�OOyY OE�i�t Of mC p[OQL'[[�. �ilQ�iCdl�����.�30 bG CCYCIEd�f t111S$CCYI�JI
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<br /> ` :HORFbwE[t cSavENAM'�du�Bo�ower;s tawruny seisat oe tlie esnce t�aeey conveycd ana t�as fhe riglu to g�aat
<br /> and ca►vty the P�opat9�nd dwt die Pivpe�tr is wxncumbered.cxc�{K fot ericamis�c�af reeor� Bo'rowtr wa�raats and - -
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<br /> wn�l defend�aresallY the ti[k!o die Pmpaty ag�ieu a!1 cistims md demsMis,subjac to any�s�unbr�oes af recard.
<br /> . 'I�GS.SF_C[I$ITY R�s7'RV1►'�d�'t'c�ort�bines unifam►covcnsnts for na6aoat usc and sraa-unifarm cavenants with
<br /> -, �imited vsi�tiont by ju�isfiictian to coastituir a anifam se�itY-�nt oov�ing teal piopaty :
<br /> [JN�ItM t70VFdVANTS. Banower aad L�ender covenatrt and apet as follaws: whai due the
<br /> ... !. h�l dPri�ci�d�d I�teres�Pe�7�t ad"�C��' B°R°'"er sHaA promP�9 P�Y
<br /> princ�l oEa�ad tataGSt oa the deb evi�eaceA�Y thc Note and anY P�PaY�and late cha�gra�e uttder the Nate. : .
<br /> i .ES�S foc Tazes s�i Lwn�te. Subjxt tn�pplic�e taw or to a wnttai waiver by t.enaer,Ba�nnwer st�atl psY tq
<br /> � � • I.a�der on die day moat6ly paymdnts se+e due uoder the Note.u�tLe Nate is p�id in falt.a sum('C�nds"}fa:ta)Y�Y
<br /> � tues aad u�n�which msY��P��Y ova tdis Security IdstrnnKnt a5 a lien on tf�c PmpEttY•(b)Y�Y�OW
<br /> � WY�t=°r�ow�d rmts on tbe Pro4atY•�f any;(c) YdriY 1�a�d°r-P'oP�Y inswsoce pcemiums: (d)'Y�Y � .
<br /> in�aoce.pnemiwas.if aay:(e)YarIY uw�8��P��•if aay:�d(�any sums P�Yable by BoROwer to `
<br /> L,eoder.in aocadanee wid�tlie povisioas of puag�aph 8.in lieu of the payment of moRgage inwiance PreQUwns- 7'hese
<br /> ite�ace callod"Bcceaw ttems."�Lender may,at aay M�e.coliect and hotd i�ds m aa araounE nat to exctod tlie mauimurt� ,
<br /> aa�atnt a kader for a EederaAy�elated mortgage toan maY re4uice for Bormaer's escrow accuunt under tbe federal Rea1
<br /> g��procedutes Act of 1974 a4 amended fram rime to dme.t2 US.C.��1 er seq.("RF.SPA'�.unkss another
<br /> law d�at aPPlies to tbe fvnd.4 sets a lesser art�otu�� If so.I.endes may.at aay t�ne.colIect and hold Funds in an artaunt not to
<br /> exaed thG ksser�r�ow�t. I.et�der may estitn�te dx amow�t af limds due on the b�is of cmreat data and nasooabk
<br /> �of e�tpendidues of futune�scrow Items ai dherwise in accardance witL appLeabk 1�w• ���taliry,rar�
<br /> !� The Ii�ods ahall be hetd in an iastitutioa wlase deposits ace�insuird by a foderat agency.
<br /> _i (ipcluding l�ender.if I.ender is st�ch an iastitudoo)or in any Federal Raae I,o�n Bank. Lendet shaU apply the Fdu�s tu paY
<br /> : the�scmw.Items. Lender may nat charge Baaower for taldiag-and applyin8 the Fiuids.aonuaily amtiyzing dje escraw
<br /> -_�- � �ecamt,or verifying the ESCrow Itecns. unless Lender pays Borrower intecest on the Fuixls and applicabte taw pernt�is
<br /> �-° 2 Lendst to malce such a charge. However.Lender may c�equire Borrower to pay a one-arte charge far an independent real
<br /> :�° -'= � estate tax�rtin8 setvice used bp�.eeder in conneetion with this to�n,unless apPlicabie law prnvides otherwise. Unless a�
<br /> , agroement is made or aQplicable Iaw ieqair�es interest to be pai0.l.e�er shall not 6e t+equired to pay Bar�ower any inter�st os
<br /> .s . , e�nings an the ti�nds. Bocrower and T.ender maY agree In w[iting.however,that intetest shall be paid on ttie Funds. Leader
<br /> - � • . st�t give to Rortower.without chazge.an annual accounting of d�e Funds.showing ccedits and deblts to ttie Funds and the
<br /> . purpose fa which cach debit to the Funds was made. The Funds ure pledged as additional security for ali sums�ecured by .
<br /> th;s 5ecar�.y lnsm,men� Le�xter shaU accouof�to �
<br /> `��vs'� .. f` ` ' If tf�'�uads held by Lender eaceed the amcwnts pnmitted to be held by applicable law,
<br /> �:�:. .� $orroA�fcr the excess Funds in accordance with tbe requiremeats of applicabte law. If ttie amown of the Funds held!+j' ,
<br /> �a��iy time is nat sufficient to pay the Escrow Items wNen due,Lender may so notify Borruwer in writing.and.in
<br /> � - t � $ach case Borrower s6a�gay to l.ender tt�e amount necessarY to make up ttte d�ciencY. Bormwer shall rtialce up�e
<br /> ; ���,�no more c'�twelve monthly payments.at Lender's sole disccetioa�- t ���to Botrower any
<br /> r. '. � " 1Tpe�payment in futI af all sums secured bY this Security Instrument,L.easf'ec s,�a11 prompt Y
<br /> ' ' P�ds Qe�d 6y Lender, if,under g�grdph 21.Lender shall acquire or sell the PCO�,t-ender.Prior to the acquisition or
<br /> � � � sak of the Property,shall apply an�F'vnds hetd by Lender at the time of acquisitib:c�sa"�as a cre�t against the sums
<br /> _ <= ' secured by this Security lnswment. ' � �
<br /> • � ' 3. Applkation ot Pnyments. Unless applicable law provides othemise.z:[C.��'c�e�ss received hy Lender under
<br />:- , ', paragraphs 1 and 2 shall be applied:fust.to any prepayment charges due under*��>�rt�:seconQ to amoa�s payable unckr
<br /> ' paragraph 2;third.to interest due:fourth,to principal due:and iast,to any late cF.arges dae nndeF the Notet ;
<br /> ' .- 4. Cl�rges; Liees. Bandwer shall pay at1 taxes.assessments.charge.s.fines and i�osiGons attributable to the _
<br /> " Prdperty which may aUain priority over this Securiry lnstiument.and leasehold payrnents or ground rents,if any. Boirower
<br /> �-• � shaq pay these obligations in the manner provided in paragraph 2.ar if not paid in that manner.Borrdwer shall pay ttxm on
<br /> • =a � ' tlme directly to the person owed payment. Borrower shall prampdy fumish ta C.�er all notices of amount�to be pa�d under
<br /> �. %Y` , this paragraph. lf Bcrrroarer makes these payments directly,Borrower shall prc�:�ptly fumish to Lender c�pts evidencing
<br /> ��i , • ���ty • • •
<br /> a�' Bar�wer shall promptly discharge any lien which has priodty aver shis Security Instnrmenl unless Borrawer:(a)agrees
<br /> • � , in writi�to the payment of the obligatio�secured by the lien in a manner acceptable to l.ender.(b)cbntests in goad faith d�e
<br /> ' � lien by.or defends against enforcement of the lien in,legal proceeding.g which in the Lender�opinion operace to prevena�a:
<br /> ' � enforcement of tGe lien;or(c)securea from the holder of tha lien an agreement satisfactory ta l.ender suba�ett:.i':ating the lien •
<br /> ' to lhis Security tnstrument. If Lender determines that any part of the Property is subject to a lien which cr��attain prioriry
<br /> _ : � � � over thFs Security]nslrumem.l.ender may give Horrower a natice identifying the lien. Horrowec tihalt sati.�-�e lien or take
<br /> one or qseore of the acdons set forth above within 10 days af the gi.i:tg of notice.
<br /> ._� -• � • 5. Ha�rd ar Praperty Insurana. 8orrawcr shall keep ti:e improvements now c�iuLrg ar he:exfc:r erected on thc
<br /> ? ` Ptoperty insured against loss by tire.hazards included within�he tetm"extended caverage"and any oticer(ti:zards.including
<br /> -- �r floods or ftovding. for which l.ender requires insusanee. This insurance�t�.:Il be maintained in�he�au.r.ts and Por the
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