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<br /> �� •;� 'POGfiTF�R WI7'H all lhe irnprovCm^,nis no�� on c�rGaflCt�reCFSd on thc property, end all casements,apponenences,and _
<br /> � futurzs now or hueaftcr a part of the proputy.AU rcplacemcnts es�d addidons ahall also bc covere.d by this 5ecurity Instrument.
<br /> "'"''�`� All of the fongoing Is referred w In this Security Instrument as thc"Property.°
<br /> :•� ;,�.�.
<br /> � � BOItROWBR COVENANTS that Barrowcr is lawfully seised of the esteu hereby comeycd and has ihe right to grant and =
<br /> =�±� ,� cnnvay the Property and thet the Property is unencumbered, except for encumbrances of record. Borrower warranu and will :
<br />'"_�''" •• d�fend get►eraity the dde to the Praperty against aU cktims sutd demands.subject to+�ny cncumbranccs of rccord. _
<br /> �'' T!-IIS SECURITY WSTRUMENT combines uniform crnenants for narional use and non-u�iiform covenents with Gmited
<br /> variattons by jurLsdicdon to consdwte a uniform security instrument covering real propercy.
<br /> . UN�ORM COVENAIVTS.Borrowor and Lender covenant and agra as fol��ws:
<br />� • 1.Paymeat ot Frincipal and Interest;Prepayment and Lute C6Hrges. Borrower shall prompdy pay when duc tho
<br />;�: ,�J�, � principal of and interes[on the debt evidenced by the Note and any prepaymene and lau charBes due under the Nou.
<br />--!�..•r.�� 2,Fuuds for TAxes and Iasurance. Subject to applicable law or to a writter� waiver by Lendu, Borrowu shall pay to
<br /> _.,;°�r�;�•. Lendcr on tho day rtionthly paymenis are due un der t he Nou,un t il t he N o u i s p a i d i n f u ll,a s u m("F u n d s")f a r.(a}y e a r 1 y t e x e s
<br /> �-�:� : and assassments which may auain prioriry ovu this Securiry Iusiruriient as a lien on thc Proptxty;(b)ycady leaschold paym�nu
<br /> ',-.�,�+•..;�'� � or ground rents on the Proputy.if any;(C)Y�asly hazatd or properiy insut8nce pcemiums�(d)Yearly flood insurpnce pruniums.if
<br />.�AY�y'^ . !,
<br /> � � � any;(e)ycarl/mortgage insurarec�premiums,if eny;and(�any sums payable by Borrowu to Lendu,in eccordance with the
<br /> "�`-�-'�;s�� . provisions of paragraph 8, in Jieu af the payment of mongage insu�anCe premiums. 'These iums aro called "Escrow Items."
<br /> ��:••��"��;•�- Lender may,at s,uny ame,collect and hold Funds in an amount not to excxd the maximum amount a lender for a fede.rally related
<br /> ��'•��_ mortgage loan t�ay require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as
<br /> _�';'';;"� acneuded from ti�ne to time,l2 tJ.S.C.Secdon 2601 er s�q. ("RESPA"),unless another law that applies to the Funds sets e lesse7
<br /> "1�'�R�' amounG If so,Lenda may,at nny dme,colkct and hold Funds in an amount not to excad the lesser mnount L.enda may
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<br /> -"--�-' .� estim�tc the�nount of Punds due on the basis of cumnt da�a and reasonabk estimaus of expendiaues of fuwre Escrow Items or
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<br /> --n���� othawlse in�ccardunco with oppllcable law.
<br /> ;:.sti;,t'� Tfie Funds shull be held in an in�dtution whose deposiu are insured by a fedual agency,instrumer�tality,or ea�tity(including
<br /> v-�-�— 1.�71f��t�J.CJIdCT Lti Suci�io�a�5iii�ii��i}vP Iii�'ij i'w�"a:i::.IS:L I.�SSS T✓9.Ry.Lvsl�:h8�1 P.j.+�?ly eh�pLnrla tn�,+gy tlin Rccrt►yv
<br /> ��_�,-� Itams.Lender may not charge Borrower for holding and applying the Funds,annually analyzing the cscrow account,or verifying
<br /> -----= the F.scmw Iums,unless Lender pays Borrower interest on the Funds and applicabk law pamits Lenda to mak,e snch a cl�rge.
<br /> -±��� • Hownva,Lender may cequire Borrowu to pay a anadme chargc for an 11►dependent rral estate tax repordng scr�:+ce used by
<br /> -°— L�ukx in connec�an with this loan,unless uppUcable law provides otherwisa•Unless an agree�netit is made or applicabk Isw
<br /> --�':�°�.'. nquirea lnurest to be puid,I.enda shall not 6e nquirW to pay Borrowcr any lnunst or eamings orn the fi�nds.Borrowa and
<br /> .�-:�— I,a�der may�goee in wrltinng,howevu.that Intcrest shall be paid on the Funds.Lendu shall give to Homnwa,wltlwut chuge.an
<br /> annuul�ccountinng of the Funds.showing credits end debits to the�nds and the purpose for which each debit to the Funds was
<br /> - --- made.'!be Funds ue plodgcd as arldidonal sec�uiry for all sums secured by this Security Insuument
<br /> ----- If the Funds hoJd by L�enda axceod the amounts pem�ivod to be held by apQlicabk law.Lenda st�all�ccount to Borrawu for
<br /> tho excess Funds in accordmce aith the requiraments of applicable law.If the amount of the Funds hald by Lender at any dme ia
<br /> � not aufficient w p�y the Fscrow Items when due.I.tnder may so notify Borrower in wriring,and.in such case Horrowa shall paY
<br /> , ta�I�ndu tha amount neGessary to maicc up the deficicncy. Borrower stiall make up the deficieacy in no mae than twelve
<br /> monthly payma�ts,at I.enda's sole dLscxedon.
<br /> --- Upon payma�t in full of etl sums soct�retl by this Securiry Instrumen4�+►du shall Prompdy refund to Borrower any Funds
<br /> held by Leader. If,under paragiaph 21,I.ender shell acquire or sell the Property,L�enda.prior w the acquisition or sak of the
<br /> Property,shall apply any Funds held by I.ender at thc time of acquisirion or sale as a cxedit against the sums secural by this
<br /> - - - Socurity Listnuneat
<br /> _ 3.Ap�liatfon ot Payments. Unless applicabk law provldes orhawise,all paymaits ceceived by Lend�r unda pereg�aphs
<br /> --- 1 and 2 shall be aRpiied: fust.to any prepa,ymrnt charges due under the Note��econd,to unounts payabla tuxfer parsgrapti 2;
<br /> third.to int�erest due:fourth,to prL�cipal due;and last,w any late charges due unda the Note.
<br /> 4.Char�es:Lkns. Borrowa st�all psy all �es�assessmenis�charges. fines and imposidons auribunbk w the PropGrty
<br /> _ whiu�msy auein prioriry over ihis Socuriry Instcumment,ant�leasehold paymaiu or ground rents.if any.Sorrower shall pay th�se
<br /> -- oblig�tions in the nwnna provided in paragraph 2,or if noi paid in tl:at mmna,Bocmwu shall pay th�m on time diroctly w the
<br /> ---- pason owed payment Borrowcr shall pmmpdy furnish to I.endu aU notioes of amounts W tre paid under this paragrnph. If
<br /> -��"'° Aarowa makes these paymenu dirocdy.Bemower shall prompdy fumish to I.endu reaipts evidencing the payments.
<br /> -_ °-° Barowa ahal]prompUy discharge any lien which has prioriry ovu this Sxurity Instrument unless Bmrowu: (a)agrees in
<br /> ��;�=s�;� , wridng w tho payment of the obligadon secured by the 6en in a manner acceptable to Lender,(b)concests in good faith the lieri
<br /> -�"—�! by�a� defcnds against enforcement of the lien in, legal procadings which in the L.e,c►da's opinion opeiate to provent the
<br /> ��"�=`� � enfos�cement of thc lien;or(c)securcs from the holder of the lien an agro�nt satisfactory to Lendu subordinadng thc�llen to
<br /> �`"`-��'� � this Socurily Jnstrumen�If L.endu detemii�es that any p3rt of the Propesty is subject to a lien�vhich may aarin priority over this
<br /> _`"`-g'=`� SecurIty Insuurnen�Lendcr may give Borrower a noticc i�ientifying the litn.Borrowa shall sa►�isfy the lien or take one or morc '
<br /> -��:� of the ec�ons set forth above within 10 days of the giving of notice. •
<br /> -- — Forn�so2e ��oo �
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