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<br />� TH1S SECURRY INSTR�t1MENT combines uniform covenants for naponal use and non-unifarm covenants with limited
<br /> � vari�tions by jurisdiction to consticute a uaiform security insuumcnt covaring real praperty.
<br /> UNIFORM COVENANTS. Borrower and Lender covenant and a4ra as follaws:
<br /> `�� 1. Psyment of Pciaci�xl axid Interat;Prep�yment and I.atr Char�a. Borrower shall prompdy pay when due
<br /> -° ifie principal of and intenst on the debt evidenced by t�e Noce and any prep�ymenc and lice char�e�duo u��e d;e f�iaza.
<br /> !� 2. Funds for Taxe9 and Ins�tcanca Subjat to applicable law or to a written waiver by L.ender,Borrower shall
<br />�� pay to Lender on the day monthly payments ue due under the Note. unal the Noce is paid in fuq. a sum("Funds")for:
<br />� (a)yarly wces and assessmenu which may attain priority over this Secudry Insm�ment as a lien on the Propercy:(b)yearlY
<br />�=� Icaxhold payments or�round rents on the Propercy�if a�►y� (cj Yearly h�zacd or properry insunuce premiums:(d)Y��Y
<br /> =� fload insucance premiums,if any;(e)yearly murtgage insurance premiums.if any;and(�u►Y sums paysble by Borrower
<br /> -- w Lender,in accordance with the provisions of piragnph 8,in lieu of the payment of mort�ase insur�nce premiums.These
<br />- fums�te called"Escrdw Items."Lender m�y.�t any time,collect and hold Funds ia an airwur►t na to eacad the msuimum
<br /> � �t s lender for a fedemlly rolated morcgage iwn may require for Borrower's escrow account under tttjee federal Real
<br />-��� Espte SeNement Procedures Act of 1974 as amended from dme to tirt�e, 12 U.S.C. § 2b01 et ssq.("RESPA"). unlcss
<br /> �nother law that applia to the Funds seu a lesser amount. If w, Lender auy. at any time. collect anci hold Funds ia an
<br /> �� amounc not to excesd the laser amamt. Lender mry escimate the amount of Funds due oa tite ba�b of cuxreAt daa and
<br /> = cwonable estimates of expeaditures of tLwre Escrow Ttems or atherwise in accordance with appliable I�w.
<br /> The Funds shall be held in an iasritudon whose deposits ue inaured by a fedenl�geacy,inswment�lity�or endry
<br /> (including L.ender, if Lender is such an insticurion)or in any Federal Homa Loa.�Banlc.I.erder sh�ll apply the Funds to
<br /> pay the Fscrow Itatas. Lender m�Y not charge Borrower for bolding ux!applyiag ttk Funds.aanually�nalytu►g 1he escmw
<br /> �ca�nt,or verifying the�scrow Items,unless I.eader pay�Borrower interest on the Fwds uid applicable law permics Lender
<br /> to malce sueh a ciaarga. Howaver, Lender may require Borrowcr to pty a one-time char�e for aa independent real aute
<br /> _ tu reporclnB sesvice used by I.ender in conaerdon with this loan.unless appikaMe law p�ovida od�etwisa Ualaa at�t�t+eemnu
<br /> is m:de or�pplicabla law cequirea iaterest ta be paid,L.eader shall not be cequired�o p�y Borrower aay inurat ar euniaQs
<br /> nn rhe Fu�+. Borrower and L.ender mty nSm in �'��i+however. tlut interest shall be peid on the Fwds. Lender sh�ll
<br /> �ive to Borrower.withouc charge�an uinwl occou�ting of the Funds.showiag crediu�nu debia co me Fund,uxi inc p�y�
<br /> for which ach debit[o the Funds was made.'1'he Funds an pledged as additioatl securiry for a11 sums saured by this Saudty .
<br /> -- Iastrum:at.
<br /> If dte fiuuds held b�l.ender axcoed tbe unounu pertnitted to be t�eld by applkable law,L�der sdtll acxount to Borrower
<br /> for d�e exuu Funds in accordaace with the requiremena of tppllcablo Isw.If the anwuac of tl�e Funds beld by Leuder u
<br /> any da�e is nat sufficienc to pay the F,scrow Itams when due.Lender mty so notify Borrower in wridag.u�d. in wch c�e
<br /> g��r�shall pay to Le�xler the�mount necessarY to mtice up the de8ciency. Borrower slWl msko up tbe deHcienry in
<br /> pe awre dwn twelve mootlily {xyments, at Lender's sole dIscretion.
<br /> - .-- Upon p�yment in full ot all sums secured by tl�b Securiry Insuumeat. Lender sh�ll prompdy relUnd to Borrower
<br /> aay Fu:xis held by Lender.If.under puagcsph 21.Lender shall acquire or sell the Property,Lender,pnocto the�equisiaon
<br /> or sile of t3�e Property.sh�ll apply anY Funds held by Lender at the time of acquisitian or sale es�credlt�inu the sums
<br /> �ecured by this Security Insaument.
<br /> 3. Applicatbn ot Ps�nnent�. Unless tpplicable law provides atxrwise.dl paycnents received by L.ender under
<br /> para�nphs 1 and 2 shall be spplied:ficst.to any prepayment charaes due under the Note;second.to�tnounta payable under
<br /> para�raph 2; tliicd.to inoerest due; fourth, co prin�ipal due;u�d lut.to any lau cd�r��s dne�nder tl�e Nae.
<br /> — 4. Chu�a; Lkro. Borrower stWl pry all taxes.�ssessments�chuga�fixs tod impasidons�aribuublo w the
<br /> propecry which may atuin prioriry over this Security Inswmeat.ar�d lasehold paymeetss a�ro�uid rents.if anY,Borrower
<br /> �hall pay tbese obli;arions in che manncr provided ta pangraph 2.or if not paid In d�at manner,Barowa shall p�y dxm
<br /> on tlme direcdy to the person owed payment. Borrower�hall P�P�Y��u�r tll nadcea of amonnn co be p�id
<br /> uader this puagrapt►.If Bar�wer malces dxse paYments directly.Borrower stull pe�ompdy fumish oo I.ades raoei�xs evideneit�
<br /> �WYtnents.
<br /> Borrower slWl prompdy dischuge�ny lien whkh tus prioriry over this Security Inatruxnent unleu Botrowec: (a)
<br /> a�rop in writing co the payment of the oblIgtnion secured by the Iien ia a mmner�cceptable[o Lender, (b)contats in�ood
<br /> faith the Gea by.or defends a��inst enforament of th�Gen in.le�d procadIngs which in zhe Lender's opiaion ope�'ace to
<br /> prevent the enforcemeat of the lien:or(c)secures from the holder of the lien an agnxmeat satiafactory w Lender wbor-
<br /> dimtia�tbe tien to this Security insaurtsent. If Leader determines chat tny p4ct of the Pcoperty is subject co a liea which
<br /> tnay amin priodry over this Secutity Instrument. Lender may give Borrower a notice idenrifying d�e lien.Bocmwer sh�U
<br /> '- satisfy the tien or take one or more of the actions set forth above within 10 days of tt�e giving of naia.
<br /> i. Hs�zird or Property In�urance. Borrower shall keep the i�nproeements now existing or heteafier e�eeted on
<br /> .;-:.�• the Property insured�gainst loss by fire.hazards incl�xfed within the term "extended coverage" and my other hazards.
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<br /> includin�floods or flooding. for which Lender requir+es insurance. This insurance shall be maintained in the amouncs und
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