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<br /> ,�``.:,•: TOGE'('Hli(l 1V1"fl�t :ill the imprnvemcnts now or hereafte�cn:ctcd on thc propc=ny, and all r.i,emcnts. appurtrnanccs,and ��
<br /> * ��.;i� fixturos m�w on c�rcutler n pan uf the pro}xny. Afl repincements and additions shaU ulso be cuvereJ by this Security �-
<br />• � :', In�tnimcnt. All uf tlic forcgaing i,rrfcrrcd tci in tl�i�Scrurity Inytrurncnt as thc "Propcny. "
<br /> �,•,�;y•-- �O}tROWGt�COVFNANTS that f�i�rrn�vcr is lawfully sciscd uf Uic estate herebycunvcyed and has thc right to grant and �
<br /> ;'.��'`•°`;;T., ronve.y the Properry und thnt the Pri�petYy �s unencumbered, except for encumbran�es nt'recurd. B�irrower wurr.�nts and will
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<br /> defend�onerally Iha tille tu the Property ugainst all cluims und demanJs, aubject to anyencumbranres�if rerord. �-
<br /> 'f1�1IS 5ECURITY IIVSTRUMENT combinc5 unifi�rm covcnants for national u�.canci non-uniform covenams with limitcd
<br /> •�''�� vi�rintiims Uy juri�dictiun to constitutc a unitnrm securiry instruincnt covcring re.�l propny. --- _
<br /> ' UNIFORM COVENANTS. Borrowcr snd I.ender covena�u and ngrec as follnwti:
<br /> �' l. Payment oP Princ(pal a�id [niecest; Prepay�nent und l,ute Charges.Bc�rrowcr shall promptly pay whcn duc thc �__
<br /> � �)I�III�I�pII ll�U111� fUICIVII UU IIIC I�CbI C��ilil'li�cu by thc Note and uny prepayment und 13t¢charges due under the Note. ___
<br /> �`�;� :' ?,. I'undr for Tnxes nud Insurance.5ubject ta applicable li��v or to a wrincn waivcr by Lender. Borrower shall pay to
<br /> _{!� t l.ender on the duy monthly paymcnts ure due undcr thc Notc,until thc Nute is p:aid in full. a sum("Funds")far:(a)yearly taxes _
<br /> r' and�FSessments�vttich tnay attuin priority over this Sccurity Instrumcm as:�lien on t he P�operty;(b)yearly lea.5ehold payntents
<br /> 'y;., or Bmund i�ents on the Property,if any:(c)yr.3rly harard or pro�erty insurance premiunu: (d) yearly flood insurance premiums,
<br /> ;�,�;;��: , if any: (C)ye�rly ntort�;a�e insurance premiums, if�ny; and(� any sums payable by Borrower to Lender, in accordance w�th c_
<br /> ,;;,..;;, .,, :; . the pmvisions of pur�mph 8, in lieu of the�ayment of mnrtga�e insurance prerniums.These items are cc�lled "Escrow Items."
<br />-,r�;..' .. Lendur mny, �t any time, callect and hold t�unds in an amount not tn exoeed the rnaxirnum amount ,�fender for a federally
<br /> relnted mortgage loun may reyuire for poi�•awer's escro�v account under the federal Reai Estate Se[dement Procedures Act of �,_
<br />' '�••' x" 197A as�tmcndc�from timc to time, 12 C1.5.C.Section 2601 et sey. ("RESPA"),unless another la«•that applies to the Funds
<br />�� sets a lasser amount. If so, Lender map, at ;tny time, callect und hold Funds in an ynount not to ehd��ed the lesser amount. �.---
<br /> `'���t;•� • � Lenttar mpy estimnte the amount of Funds due on the basis of curcent data and reasonable estimates of�cxpenditures of future
<br /> '�!�:;,,ir' Esemw Items or othenvise in accordance widi applicable Inw.
<br />-��''���;� �, 'I7ic Funds shall bc hcld in an institution whose deposits are insured by a foderal agency, instnimentulity, or entity
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<br />-:-._,_t,,,, . (in�luding Lender, if Lendcr is such an instiiution)or in any Fedcral Home Lo:u�Bank.L.ender shall apply the Funds to pay the
<br />;�:�`N�_;� Escrow Items. Lender muy not char�e Borrower f�r holding and applying the Funds, ennually analyzing the escrow account,or
<br /> �:-=•1����• . verifvine the Escrow Items,unlcss Lender anvs Honower interest on the fiunds and apDlicable law pemiits L.ender to make such
<br />:;:;�."r'i,,,;,•,� a chume. Howover, t.ender may require Bnrrowe►to pay a one-time charge for an ie�dependent real estate tax reporting service
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<br /> �-r,.+.;^,.��: usad hy Lender in connection with this loun, unless applicaUle law provides ottzenv6se. Unless an agreement is made or
<br /> ;,�,,,_�-�r4�f�� appllctible law requires interest to lr paid,Lendcr shall not be required to pay Borro�er�na �nterest or earnings on the Funds.
<br /> �, `r��, �. Bormwer und Lendcr muy agrce in writing, liowever,that intere.a shall be paid on tlie Fnmds. Lender shall give tu Borrower,
<br /> .-;;;,.._,�,� �vithout charge, nn tumunl accounting of the Funds,showing credits nnd debits to the Funds and the purpose for which each
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<br /> _.,�:�.� deblt ta the Funds was made.The Funds at�e pledged as additional security forall sumssecured by this Security Instrumert.
<br /> _._�•�, lf the Funds held by Lender exeeed the umoun�s permitted to be held by applicabk law, Lender shall account to Arrrower
<br /> _.;=;M:�-;� fm•ttte excess C'unds in accordance with the requirements of applicable Inw.If the ammunt of the Funds held by Le►r1^c�r at any
<br />-W v»��= time 4s nnt sufficicnt to pay the Escrow Items�vhen due. Lcnder may so notify Borro�•u i n writing.and,in such case Borrowex
<br /> -°-- — shnll pAy to [.ender the nmount necessary to malce up the deficiency. Borrower shall make up the deficiency in no mare than
<br /> _.,�,�z twelve montidy payments. nt Lendcr's sole discretion.
<br /> Upon payment in full of all SU1115 scr.ured by this Security Instrument. Lender shall pmmptly refund to Honower any
<br /> ,�� Fun�ls hcld by Lendcr.If. under paragraph 21,Lendcr shall acquire or aell the Propeity,bxnder,prior to the acquisition or sale
<br /> ._ .-�_-= of th:Nro�rty, shull apply any Funds held by Lcnder at the time of acquisition or s�le��a credit against the sums secumd by
<br /> ..�,_ - — this Security Instrument.
<br /> ------ 3.Applicatton of Payments.Unless upplictible law provides otherwise,all pay�xnts ceceived by Lender under puragraphs
<br /> ---�°�`�• 1 and 2 shall ba applieci: first, to any prepuyment charges due under the Note; second,to amounts payable under paragraph 2; _
<br />�°'��-�3� thir�l,eti intcrest duc; fourth,to principal duc;and last,to nny la7e charges due under the:�1'ote.
<br /> --`--—.:_-_= d�.Charges; Licns. Borro�ver shall puy all tuxes,ussessments, charges,tines and impositions attributable to the Property
<br /> ��'— which may uttain 4�riority over this Securiry Instrumcnt, and leasehold payments or ground rents, if 2sy. Borrower shall pay
<br /> "°"F:"� these obligations in t�e manner provided in paragraph 2, or if not paid in tPa�t manner,Borrower shali g►�iy ahem on time directly
<br /> _____ � to the person awal p:ryment.Borro�ver shnll promptly fumish to Lender all notices of amounts to be paid under this paragraph.
<br />_-.����,N�«�=� If Horm�ver mukes these payments dircctly,Borro�ver sh:ill pmmpUy furnish ro Lenderrec�ipts evidencing the payments. —
<br />'�-�y;H�• �: Anrrower shull promptly discharge:►ny lien which has priority over this Security Instrument unless Borrower: (a)agmes in
<br /> �::�:K°.,,,�rrr. writing to the payment of the obligation securo�by 4he lien in a manner acceptuble tr�LeRder. (b)contests in good fnith the lien
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<br /> __�;;;���, by, or defends against enforcement of the 6i�n i�n, Icgal procc�dings which in th�Lender's opinion operate to prevent the
<br />°c;°-;�`v.t�., enforcement of the li�n:or(c) s�ecures fmm the holder of the lien an agreement satisfxtory to [.ender su6ordinating the lien to -
<br /> '��r�r� �2`+ tttis Sccu�ity Instrument. If Lender dttermines thnt any part of the Property is subjer.tio a lien which may attain priority over
<br /> ,1��`�L���, this Sccurity Instrumcnt, Lcndcr ns�y�give t3orrowcr a notice idcntifying th:licn.Borrotiver shall satisfy the lien or take one or —
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<br /> . :�-.i�;���+ � more of the actions set fonh above within 10 days of the giving of notice. —
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