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<br /> TOGETNER WITH a1l the improvements now ar hereAf[er erectod on the propeny, and all eascmente, appunenances, and
<br /> tixtuees now or haealter a part of the property. l+11 replacementb :u�J wddit{a�s shu11 also be coaered b; this S!�c►�riry � `
<br /> Instrument. All of tite foreg.�ing is referred to in thls Security Instrument as thc"Propcny." �
<br /> BORROW�R COVENANTS that Barrowcr is lawfully scised of the cstatc hereby canveycd and has thc right to grant and�
<br /> convey the Property and that the Property is unencumbered, except for rncumbrances of record. Borrawer warrants and wiIIM
<br /> defend generally the title to the Propeny against all claims and demands, subject to any encumbra�ues of record.
<br /> THIS SECURITY 1NSTRUM6NT combincs uniform covenan[s for natianal usc and non-unifonn covenants with limi�c �
<br /> vaziations by jurisdictic�n io constitute a uniform security instrumen[covering real property. �
<br /> UNIFORM COVENANTS. Borrowcr and Londer covenarn and agree as follows:
<br /> 1� Payment oP Princlpal and Interest; Prcpay�n�ent and Latc Chnrge�. B�rrower shall pmmpUy pay when due th�i �_
<br /> principal of and interest on the debt cvidenced by the Note and any prepayment and late charges due under�he Note.
<br /> 2. Fundc [or Taxa s�nd lnsumnce. Subject to applicable law or to a written waivcr by l.ender, Borrower shall pay to
<br /> Lcndcr on the Qay mon[hly paymen►s are due undcr[he Note.until thc Note is paid in fuU. a sum("F�unds')for:(a)ycarly taxcs
<br /> and assessments which may attain priority ovcr[his Security Instrument as a licn on the Propeny;(b)ycarly loasehold payments
<br /> or ground rents on the Propr.ny,if any;(c)yearly haz.�rd or propeny insurance premiums; (d)yearly tiood 3nsurance premiums,
<br /> if any; (e)yearly mort�age insurance premiums, if any; and (fl any su�ns payable by�Borrower co Lender, in aceordance with
<br /> the provisiUns�f paragraph 8, in lieu of the pa��r.2cnt of mongage insurancc premiums,These items arc called 'Escrow Itctns."
<br /> Lender may, at any timc, collect and hold Funds in an amount not co cxceed tho ineximum amount a lender for a fedcr�lly
<br /> related mongage loan may require for Borrower's escrow account under the federal Real Estate Sattlement Procedures Act of
<br /> 1974 as unended from time to[ime, 12 U.S.C. Section 2601 e�seq. ("RESPA"), unless another law that applies to the Funds
<br /> sets a lesser r.nwunt. lf so. l,ender may. at any time,collect and hold Funds in an amount not to exceod the lesser�mount.
<br /> Lender may es[imate the amount of Funds due on the basis of cunent data and reasonable estima[es of expenditures of future
<br /> Escrow ltems or otherwise in accordance with applicable law.
<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentaliry, or en[ity
<br />- (including Lender, if Lender is such an insti[ution)or in any Federal Home Loan Bank.Lendcr shall apply the Funds to pay the
<br /> Escrow ltems. Lender may not charge Borrower for tzolding and applying the Funds,annually analyxing the escrow accounc,or
<br />- verifying the Escrow icems,unless Lender pays Borrow�r interes�oa the Funds and applicable law pemuts L.ender to m�ice such
<br /> a chuge.Howev�r�l.end�r may require Borrower[o pay a one•[ime charge for an independent real estate tax reponing sen�i�,e
<br /> used by Lender in conaection with this laan, unless applicable law pravides atherw�ise. Unless an agrtement is made or
<br /> applicable law reyuires interesc to be paid, Lender shall not be required to pay Borrawer any interest or eunings on the FW�ds.
<br /> Borrower and Lender �nay agrce in writing, however,that interest shall bc paid on the Funds. l.ender shalt givc to Borrower,
<br /> without charge, an az►nuat accounting of the Funds, showing credits and debits to the Funds and the putpose for which exh
<br /> debit to the Funds w�►s made.The Fnr.,ds are pledBed as additionel security for all sums secural by this Security Instrument.
<br /> If che Funds held by Lendcr e�ccced 1he amoums permined ro be heid'oy appiii;�t7e iow, Lct�dcr�ha;] a�uns ta Er:;�:�.�sr
<br /> for the excess Funds in accordance wiih the require��xuts of applicable law. If the amount of the Funds held by Lender at�wy
<br /> time is not sufficient to pay ehe Escrow ltems when due, l.ender may so notify Bonower in writing, and,in such case Borrower
<br /> _ +-- .+..�-:--..... p�rrn�n�r �hnn make im the deficie�cv �n ne more than
<br /> shaU pay[o Lenner cae aznoum ,�cccaa�,y t���;;�e u;�:..���..���..�,.
<br /> twelve ar:zethly payments, at L.ender's solc discrction. �
<br /> Upon prymcm in full of all sums securcd by this Securiry [nstrument, I.ender shall promptly rofund to Bonow��a�y
<br /> Funds held by Lender. If, under paragruph 21,Lcnder shall acquir�or sell the Properry, Lender,prior to the acquisition or s�le
<br /> - �of the Propeny, shall upply any Funds hdd by I.ender at the time of acquisition or s�le as a credit against th�sums secured by �
<br /> this Security Instrument. �
<br /> 3.Appliatlon oi Payments.Unless applicable law providcs otherwise,all payments received by Lendcr under pu�grnphs
<br /> i and 2 shxU be applied:first, to any prepaymant charges due undcr the Note;second, to unounes payable under paragraph 2;
<br /> third,to intercst due; fourth,[o principal due;and last,to any late charges due under the Note.
<br /> 4.Charga; Liens•Borrower shall pay all taxes,assossments, charges, fines and impositions attributable to thc Propeny
<br /> which may actain prioriiy over this Securicy Instrument. and leasehold ps�ments or ground rentt�lf:�.•;��mr�ower sh�ll pay
<br /> these obligntions in the manner provided in pazagraph 2, ur if not paid in that mumer,Borrower sh�ll pay thcm on time directly
<br /> to the person owed payment. Borrower shall prompt4y furnish to.t,ender ell notices of amounte to be paid under this paragraph.
<br /> !f Borrower makes these paymen�s directly, Boaower ahall prompi93•furnish to Lender receipts evidencing the payments.
<br /> Borrower shall pramptly discharge any lie�which has priority ove;r this 5ecurity lnstrument unless Borrowar:(a)�gt�ees in
<br /> writiag to the payment of che obligation secured by the lien i�a manner acceptable to L.ender; (b)contests in gcwd faith the lien
<br /> by, or defends against eniorcement of the lien in, le�al piroceedings which in the l.ender's opinion operate to pnvent the .
<br /> enforcement of the lien;or(cl secures from the holder of the lien�n agreement satisfactoq�tc�Lender subordi�ating the tiea to
<br /> this Security Instrurnent. I!L.onder determines that any pan of the Property is subjcet to a Ilen whlch may attain priorlt,y over
<br /> this Sexurity Instrument, Lender may give Borrowcr a notico identifying the 1ien. Borrower shall satisfy the lien or takt one or
<br /> morc of the actions set forth above within 10 days of the giving of notice.
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