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<br /> �� �' TOGBTHER WITH�EI the improvemrnts now or hercafter erectod on the propeny,and�II easemente,appurtrnuzces, and
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<br /> __ tlxtures now� or bercaRer a pArt of �he propeny. All roplaceimnts nnd ncldidorty shall also be covend by this Securlty
<br /> ---- Instrument.All af tho torc�oln� i�referrcd to in thls Saurity Inetrument as tho"Property."
<br /> BORROWER COVENANTS that Borrowcr is tawfuUy selsod of the estAte hereby conveycd a��d hs�s the dght to grant and
<br />_� convey the Property and th�u the Propeny is ►uxncumbered, exapt for encumbrAness of record. Borrower wurants and will
<br /> _ defend gmerally the tlAe to the Propeny�g�inst ell clalms and demuxis,subject to any encumbrances of record.
<br /> � THlS SFCURITY INS7RUMENT combina uniform coven�nts for n�tion�l use and non-uniform covensints with limited
<br /> vuf�tions by Juri�diction to constitute a unlform sauriry invtrument covering real propeny.
<br /> UNtFORM COVENANTS. Borrower and Lender c4venant and�gra as fallows:
<br /> 1. Pxyment ot Priaclp�l �ad lntereat; Pre{wyment and I.Ate Clu�r�ea. Bonower shall promptly pay when dac che
<br /> ;.'�� ` ritsci «!af:.a;1 iaterest an cttc d;,�i evidcac�ci� (he Noic azx!�
<br />_. , � � F P" Y Y Prray:nent and l:te ch:rges due under th�Note.
<br /> �. �,,: Z. �nd�for T�uces and Insurance, Subject to�ppllcable law or to a writtcn waiver by I.cnder, Bomowu shall p�y to
<br /> ° Lender on the day monthly p�yayents an duo under[he Note,until the Noto ls pnid in fWl,a sum("Funds")for:(a)y�rly uuca
<br /> c'�'-.. w�d uxssmena which nn��y att�in pdority ovcr thii Securiry Instrument as a lien on the Properry; (b)Yearly leusehold pAymr.au
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<br />,:,,•:.;•r.•r or rouad rentson che
<br /> .i�'...:.,, g P'coPcrtY. if aa :(c)Yearl ha�rd or r
<br /> -.;��:.;..;. Y Y P �ny Insurance preuilutns:id)yearly flood insurnnce premiums,
<br /> �,;':_:�n�,' if u►y;(e)yeuly mongage in�ivance pnmiums,if auy; u�d(�any sums payable by Borrower to Lender,In�ccordance wit6
<br /> ����; the pmvisions of pauagraph R,in lieu of t!►e payment of mongage insurance premiums.These itcros are called'Exrow Item�,'
<br /> �;�`.ti.� Lender may, at any dme,collect uid hold Funds in ui amount not ro�acad t6e mauimum amount a lender for a fakrally
<br /> ,�',; relutod mortgage lan miy rcquin for Borrower'e escrow Account undor the federal Real Estue Settleaxat I�nx�edures Act of
<br /> +•'°� 1974 as unecxkd from time to time, 12 U.S.C. Saeion 260! et se�q. ('RFSPA"j,unleu another Iaw that re�pltes to the �nd�
<br />:.�#,�:��. sets a lesser amount. lf so. Lender may. et�ny time,collxt�nd hold Funds in an amount not ro cxceod thc lesser anwunt.
<br /> `�����;'��y•. LecWer may estimue tho utwunt of Fuads due on the ba�ls of cument data and reatonable atimues of expenditures of future
<br />�'�.1JY"..•� �row Itenu or uWerwise in+cr,ord�nce with applicable law.
<br />-:a;.� The Funds s1Wl be held in u► insdtution whose dtposits are insured by a federnl �gency, {astnitneatality, or eatity
<br /> ---- (iacluding Lender�ir'I.ander i�such aa institution)or in any Faleral Home Lo�n Bank.Leader sh�ll apply the Funds to pay the
<br /> _�:;�t?� Fsennw itemx. I�Txlrr may+�el�!+�tg��Tt��=.*foi t2�lding�1 sggl�'sssg itse Ftus'w^�ara.ua!!y analy�tr�t�a ac���a�,:ua. oe
<br />;;�_c�r� verifying the Escrow Itan�s, unless T.ender pays Borrower intenst on the Fwxls utd�ppllcable law peTmits I.ender to m�lce sucb
<br />--�`��''' � P Y 8 �paxtrnt nai esraee tu�reporting secvia
<br />_.v=r„_,T'� , •chuga Howevar,L,ender mty requira Borrower to � a one-time chu e for m ind
<br />_�-,.,'�,� � used by L,ender in ooruxction with thie lo�n. unless applicable Iaw provldes othorwix. Unlais aa agrecmcnt is made or
<br /> = _" epplicable law requires inter�cst to be p�id,Lender shall not be required to p�y Borrower any interest or eamings on the Fuad�.
<br />'��=�;{� Borrower�nd Lender may agree in wrlting,however.thnt interest ehall be paid on tho Cuixls. I.ea�der sh�ll give zo Bormwer,
<br /> -�':�7 , without chu8e, nn�nnwl a000unting of the Funds, slwwing crodits and debits to the Funds aad the putpose for which eac6
<br /> -'� debit to the Funds wu m�de.The Funds uo pledged a��dditlonal security for all sums secured by thls Seeudty instrumeat.
<br />_�� - If the Fwtds held by l.endcr excxed the aznouats permittod.to be held by applic�ble law,Lcnder shall�cconnt to 8orrowa
<br /> _ __ ' f�r the excess fiinds in accorduice with the requircments of applicable law. If the amount of the F�6eld by L,ender at wy
<br /> . time ia not sufficient to p�y tbe Eacmw Items whea due,I.ender may so notify Borrower In wridag,�nd, in such caee Hozrnwer
<br /> sh�ll pay to Leuder the an►ount nxesaary to malce up the deficiency. Bornower shall m�ke up tho deficieacy ia qo a�one ttuo
<br /> • . twelve monthly paymeats,at l.ender's sole discretion.
<br /> Upon paymeat in full of all sums securod by t6is Securiry Insaumeat, Lendor shall pmmpdy refund to Borrower any
<br /> __� ' " Funds held by I,ender.If,under puagraph 21. I,ender ahAll ecquire or aell the Property�Lender.p�tor ro the acquis�tion or aale
<br /> __— ' ' of tde Property,sh�tl�pply aqy Fuunids held by I.eader�[thce ame of acq�aiaition or salc aa a credit ag�inst the sums securod by
<br />--_�' :;; this Security Inatiuinent.
<br /> ��� ':s`.`.i 3.Appliqtbn of Ryments.Unleas appiicabk law pmvides otherwlae,all payments rxeived by Let�der utWer puagnplu
<br />-----�_��,�j �`,: 1 and 2 sh�ll be appliod: first,to any pnpayment chazges due undtr the N�te; second,to amounts pay�ble uader pinigraph 2;
<br /> —_ ; • third.to intenst due;fourth. ro princip�l duc;and lut,to aay late chuges due uncier the Note.
<br /> �-m.� 4.Charga; I.km.Borrower shall pay all tu�s,Assascnents.chuges.fines aud impositions utribuuble ro the Pcoperty
<br />__ _ • whlch may attain pdority over this Security Insaument, and le�sehold payQxnts or ground nnts� if any.Borrower ahall pay
<br /> .�� . these obliguions in the itunner provided in pnragnph 2,or if not paid in thet mauuxr,Boxrower shall pry t6em on time d'uxdy
<br />-;z_:� to the person owod piyment. Borrower shall promptiy furnish to Lender aZl uoticxs of unounts to be p�id under this puagt��h.
<br /> _...,_�:=� If Borrower makcs these piyments directly,Borrower shall promptly fumish ro Lender recxipts evidencing the p�yments.
<br /> '-�'L�� Boirower ehall ro d d�schar e an hen whicb has rlorit over this Securi Instrume�►t unless Borrower: (4)egras in
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<br />�:�5� writing to tht payment of the obisgation secureci by the lien in a manner acaptable to Lender;(b)oontests in good faith the lien
<br /> �";�tf�? , by, or defends against enforament of the lien in, legal proceedings which in the Lendcr's opinion operate to prevent thc
<br /> -:,: 't>�� � enforcement of the lien; or(c)secures from¢he holder of the lien an agreement setisfactory to L.eador aubordin�ting tLe liea to
<br />"`^'.�`'•� this Security Iactrument. If Lender dttern�Lu� th�t eny part of the Prop��ty is subject ao a lien which may attattt priority ovet
<br />�`�`%�"�� ` this Securiry Instrument. Lcnder may givc Borrower a notia idcntifying the lien.Boraower shall satisfy the licn or ttice one or
<br />= more of the actions set forth above wtthin 10 days of We giving of notice.
<br />- Form so t
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