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<br /> TA5�111111d1�. Iw Of t}1C f0[C$Ot�$14IEfEQEQ tOIII tf113$CCIUI�ItIStfUR1CAt AS tliL'��[�Gi�y.� .
<br /> � BORI€OWFR QOVENAIVTS that Sormwer is tawfWty seised of the estate hereby cbnveyed and has the rig�st to grant
<br /> � aad canvey tbe Pmper[y ud thu the Piopeti�-is unencumbercd,except for encamb�artces of rxad'Barower wura6ts aad
<br /> will defeed geeaalty t6�titte�o t)�Ptope�ty agamst all cTaims and dem�nd.�.subje�ct w any eacumbr�nces of tecad.
<br /> ` THIS SEC[IR1TY 1NSTBUIV�[3T oombitxs gn�t'am coveau�ts for natianal use and nan-unifam covenants with�
<br /> limited Yariatious by j�srisdictipn w coostitute a unifoim security instrumeiii covering crai property . .
<br /> UN�RM CaVENANCS.Boaower and I.ender covet�t aad agree as follows: �
<br /> . L Pf�y�nt�f Priedpal asd lstues�PrepaYmeat aod I.ate CMar�es. Borrower shali P�P�Y�9 whett due�the
<br /> � prioci�al of and inta+est an tl�e de6t evidmcsd by tbe Note and anY P�PaY�pt and late charges dae under the Nae. .
<br /> L �Tuds for'13�sn ud Uwnr�ee. Snbject ta applicable law or to a arritten waiver by Lender.Boriuwer shall pay w
<br /> � Lender on the day monthlY P�Y�ace due under the Note.nnu'1 the Nae is paid ia full.a sum.("Fi�uds")for:(a).Y�Y
<br /> tues and assessraeats which may attain paority aver this Sa�uity Insmiment as a lien a�the Propecty:Q�)YearlY teasetjold
<br /> P�Y��a 8�nnts.an t6e Property. if any: (c)YtarIY haza*d or PrapenY insurance p�emiwns; (d)9a�rly Roa!
<br /> -- _ - ia�uadce piemitdiis,-if u►y,fc)Y�Y�8���P���+i€any; and t�any snms payaDte hy Berrower[o _ �_�� -
<br /> ` �,e�der,in�xordance wid�the ptavisioas of puag�agb 8,in lieu of tUe payment of mortgage insurance pc�miams. 7'fiese
<br /> ii'eins ue called°Esc�ow Iums." Lender ri�aY,at any time,coUect aad tlold Funds in aa amouat not to exceed the maximula ,
<br /> _ ° � a�naant a lender for a feckr�liy tielated awrtgage taaa may reqaine for Borrawer's escrow�t imder�tbe fedecai Real
<br />- - • Estate Settlement prncefiues Act of 1974 as amended fram time to time.l2 US.C.$2601 et seq.("RESPA"?.unless anotl�er
<br />_- — •'Tc��that appiies to We Funds sets a tesser amoant If so.€.ender may.at any time.coitect and hold Funds in aa amonnt not to ,
<br />-- exs�d tUe ksser anwnni. l,ender may estimate the aarount of Fvnds due on tUe basis of c�ment data aad�able
<br /> -- esdmates oiexpendiw�es of[utuce Esct+uw Items a otherwise in accordance with ap�ii�bte law. .��.,"�: _
<br /> — Tde Fimds shaU 6e lield in�an inaitation vrhose deposits ace.a�ared by a€edzral agetwy,insdrumentality.or eiiiity ..,.�::,,;�:;.::.'•_—
<br /> - - (iacluding l.ender,if Leader is such an ur�:tion)or in any Federai�e Loan B�k. l.endcr sAall apply the Funds to pav. `:. �;• � -
<br /> ; the Escmw Iteins. Lender may not charg��Borrower for Twtding a�a3 applying the Funds,annually analyzing the_esciow.;;. ��:� � --
<br /> accaunt,or verifying the Escmw Items.zra�ess Lender pays Botrower interest on the Funds and applicable law pemdts _—�--
<br /> Lender to make snch a charge. However,E.erider may sequire Boaower to pay a one-dme chacge for an independent real — --�:,�
<br /> estate ta�c rcporting service usedby Lendesin o�aan with this loan,anless applicable!aw provides afkrwise. Unkss an ��
<br /> ���ys_
<br />, � agc+eemeat is made or applicable law reqair�s�erest to be paid 1.ender shall not 6e requined to pay Borrower any intenest ar ;r���_
<br /> a8 �,,_� _.
<br /> ' e�mings on the Funds. Barowet and T.enc�rmay ag�e in Yutlting.hawever,that interest shall be gaid on the Funds. I.endet ��£��N
<br /> . �. . .shall give to Borrawer,wifhout charge,an a.�uiaal acconatmg of the Fimds.showing credits ana debits to thc Furtds and the —""`";,--_-_
<br /> . pmrpose for which each debit to the Funds was made. 'i'tta Funds are pledged as acldsiianat serurity for all sums secumd py �;���","�`
<br /> • � .zhis Secarity InstrumenG . ' ��. . , �a:�r__-
<br /> ...s� • If the E�nds held by Lender exceed the amouau pem�itted to be tietd by app2icable law,Lender shall accamt.to , =�---
<br /> � �; $orrower for the excess Funds in accordance with the requin�menu of applicable taw. If the amount of thc Funds held by ��,r_._
<br /> : .:. Lender at any time is not suf�icient to pa�ti�e Escrow Items wt�en du�i.errder may so notify Borrower in writing.and,in ---
<br /> such case Barower shall paq ro Len�r the amount necessary w make up the deficiency. Borrowcc shall make up ihe .. --
<br /> .. .deficiency in no mare than twelve monthlY PaYmenu.at Lender�sole discreti�. ��r=
<br /> - U a t in full of all sr�ms secured b this Security Inswment,Lender shap ptomptly refund to Barrower an ��--�
<br /> Pon P YmCn Y Y ��4[e�°�:r.
<br /> .. ��. Funds held by l.ender. If,under�a�ag�aph 21,I.ender shall acquire or sell the Property.Lender.pdor to the acquisition ot ;;�;,r,F�� -
<br /> ' v sale of the Property.shaQ apply any Fvnds held by Lender at the time of acquisition or sale as a credit against the sums - _ ,
<br /> ;' secured by this Security Instrumen� . �`':'�:`
<br /> � � 3. Application o�Payments. I;ntess applicable law provides othenvise.all paymenu received by Lender under �.�_,:':�; ..
<br /> ?� ; paragraphs 1 and 2 shall be applied;fust,to any pre�ayment chargcs due under the Note;second.to amounts payable under '�•.;;.;s;.'�.':_`.
<br />• ' paragraph 2;third,to Interest c�u�faurth,to prinerpat du�and las�to any late charges due under the Nnte. �`•�-,:•:;,<;=`
<br /> - ' 4. Chat�s;Liens. Boaower shall pay a�! [axes.assessments.charges.fines and impositioas anri6usable to the � .
<br /> Ptoperty whlch may attain priority over t3b"u Securi�Instrt�men�ar�d ieasehotd payments or gound te�sts,if any. Barrower •--.�.;;:��';`
<br /> , � . _ -�,�-! ` shall pay these obligattons in the manner�o�-aded in par.�raPh 2.aT i,asot paid in that manner,Ba�erower shall pay them on :�;.
<br /> � tnne dircctly to the person owed payment. Sasrowes a�a?I promptly furnish ta Lendet all noticcw oF amotmts to be paid under . .
<br /> '. �.R.is paragraph. If Borrower makes these pa;�ments dir�.Iy,Harrawec shal!promptly fumish to l.ender recei�rs euidencing •.
<br /> , � utie payments. .-;;,�_
<br /> ' ��' , Sorrower shall prompUy dischatge aa�y E:n whic�das priarity over this Security Instrument unles�Boqower.(a)agrees � . . 4
<br /> • in wtiting to the payment of ihe obligation secnredby the lien in A manner acceptabte to Lender.(b)contests in goad faith the "���F�;,i"r
<br /> � lien by.or de f e n d s against en forcement o f t he lien in,lega l prace e din gs which in the Lender�o pinion o p e r ate tv p c event the •::'' .
<br />-.- � enforcement of tha lien;or(c)secures from the Aotdes of the lien an agreement satisfactory to l.endcr subord�'.3ng the lien "�`r� ��'��-
<br /> ? � to this Security Incuumenx 1f Le�tder determines si�x a�y part of the Raperty is subject to a liem which mag�txin priority • :
<br /> �� over this Security lnstrumen�Lender may give Bore�wer a notice identify9ng the lien. Horrower shalf satisfy rhe i=eo or take
<br /> one or mare of the actions set forth ubove within l0 days of the giving oi noNce.
<br /> '" ���� �"� I S. Ha�rA or Property lnsuraoce. Bortowcr shall keep the improvements now exispng or hereafter crected on the , .
<br /> �,.-,:,;�,,,. .;.
<br /> "�t,s•L:.�.� t Property insuted against loss by rre.hazards included within the term"extended coveragc'and a�y other hazards.including
<br /> ' -`�"��� � floods ur ftoodin for which Lender re uues iacurance. This in�uranee shall be maintained in the amoun�s 2�d for the '
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