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<br /> " � TOGETHER WI'Pri ull the improvements now on c�reafter crcctcd on thc property,and ull cultnc�nu,AppurtenNncc�,t►nd �`
<br /> �' .�'. fixturea now or hereaher a part of rhe propeny. AU replacements and addition� shall alsa be cuverecl by �hl+ S�utlry -.
<br /> "''• Insttument. All of the foregoing is referred to in this Secudty lnstrument us the"Pro�ny," _
<br /> �;;,; ;•.�, BORROWER COVENANTS thac Bc�nowar is lawfully sciscd of the cstute hereby comcyed�uid haw the right tu���nt riKl =.
<br /> :s,.t:,� convey the Praperry and chat [he Property is unencumbercd. eacept for encumbrances af rrcord, 13urrower wur�nt� �rxl wll)
<br /> ,�� defend generally the title to the Property against all claims aad d�m:utds, subject to any cncumbranccs of rmn•t. .
<br /> __��� THIS SECURITY INSTRUMENT combines uniform covenants for nationel usc uxi non-unifnrm roven�nte wtth Ilmlt�l
<br />..__ variations by jurisdiction to constitute a uniform security instrutnent covering roal praperty.
<br /> � UNIFORM COVENANTS.Borrower and Lender covenant and agree s.g followa:
<br />�.,•,.;'� 1. Payment of Princtpal ond Interest; Prcpwyment �nd Iate �Iwrgb. Borr�uwcr shdl pmmptly pay when dua the
<br /> •�...�._:. ' principal of and interest�n the debt evidencod by the Noto and any prepayment and late charges due undcr�hr. Na�G.
<br />:_A�Y•.�:. 2. F�nds Por Taxes aud Insuronce.Subjec[ to applicable law or to a written walver by Ixnder, 9orrowcr ehdll�y t� _
<br />:.:,,,;,� Lender on the day monthly payments are due under the Note, until the Note is paid fn full,a sum i"Funds')for.(�)ycxrly t�xe�
<br />-•;'t�:�+ aud assessments which may anain priodry over this Security In�tntment as n Iien on the Properry;(b)yeuly leuehold p�yments
<br />'r: or ground rents on the Property,if any;(c)yearly hazard or propeny insurancc premiums;(d)yearly flood inauru►CC promiuma,
<br /> �;�'��� if any;(e)yearly mortgage insurance premiums,if aay; and (� any sum�payable by l3orrowor to Le►tciier, in�ccurdame wNh
<br /> �__� — the provlsions of paragraph 8. in lieu of tho payment of mortgage iasurance prcmiums.Thcse itoms ue C�IIM 'Escrow Items."
<br />=_= Lender may, ac any time, collect and hold Funds ln an amswnt not to exceed the muimum �nount� lender for w feJc►ally
<br />_,__=- related mortgage loan may require fot Borcower's escrow account uader the tederal lte�l Estate Sttdement Procedurra Act ui -
<br /> 1974 as amended from time co time. 12 U.S.C.Section Z601 tr seq. ("R�SPA"),unlas another law that t�rplle: to the Funda
<br />�::,"ti"�'� sets a lesser amount. If so, Leader may. at any time, collect and hold Funda in w amount not to exc� tha Issur �tnount.
<br /> '! Leader may estimate the amount of Funds due on the basis of curnat dnta and rcasonable esti►nates of eapendlturct oP Poturc
<br />=°'f f� Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shall be held in au instItution whose deposi�s a�e insurod by a federtl agency, Instmmentaliry, or rntlry
<br /> -°� (including Lender,if Lender is such en insdtution)or ia any Federal Home Loan Bank.Lender shdl�pply the Fund�to Q�y the
<br /> ;�� Escrow Items.Lender may not charge Borrower for holding and applying the Fimds,annuslly andyzing the e�crow�cxount.or
<br /> � vedfying the Escrow Icems,unless I.ender pays Bonower interest oa the Funds�nd�ppltcablo I�w permite I.ender to m�ke tuch
<br /> a chazge. However, Lendex muy reyuire Horrower ta pay a one-time charge for an indcpendent real estate tu uponin�urvlce
<br /> _._. used by Lender in connecttan wlth this loan, unless applicable law provides otherwise. Unless �n �grcemrnt I� m�de or
<br /> _ applicible law requires interest to be paid,l,ender sh�tt not oe required to pay esomower any incerosi o� euni�i�i vn t�.c�u�w;:.
<br /> Bomawer and Lender may agra in writing,however, that interest shall be p�id on the Funds. Lender shill give to Bocrower.
<br /> without charge, aa azu►ual accouating of the Fuads, showing cralita and debita to tho Fw�da u�d ttro pwpaM for whkh each
<br /> debtt to the Funds was made. The Funds an pledged as additional aecurlty for al sumti secured by thii 5ecurity(nst�ument.
<br /> If the Funds held by I.ender eaceed the amounta permltted ta be held by applicable law, I.ender�t►all acaount to 8orrower
<br /> �'or the excess FunJs in accordauce with the requirements of applic�ble lew. Yf the amount of We Funds held by I.rnder x any
<br /> time i�not sufticieat to ptry th�Facrow Items when due,Leader may so notify Borrower in wdUn;,�nd.In such�a�e Borrower
<br /> sh�ll p�y to Lender the tunount necessary ro make up the deficiency. Bomower sh�ll malEe up the deRclency In no a9ore than
<br /> twelve montLly payments,at Lender's sole discredon.
<br /> Upon payasent u►full of all sums secured by this Security Instrument, Lender sh�ll promptly r+eNnd to Bomovrer ar►y
<br /> Funds held by I.ender.If,under paragraph 21,Lender shaU acquin or sell the Propecty,Lender,pdor to�he acquiiltlon ot�de
<br /> ot the Property, shall apply any Funds held by Lender at the time of acqutsition or salo as a credit ag�inu tt�e wnu t�curod by
<br /> thit Socurlty In4:rument.
<br /> 3.Applkation ot P�yments.Unless applicable law provides otherwise.all paymenta receivod by i.ender wWer pan�rapha
<br /> 1�nd 2 shatl be applial: �rst, to any prepaymeat charges due under the Note;secwnd,to amouna pt�ysble utide�r puasr�ph 2;
<br /> thlyd,to iaterest due;fourth,to principal due;and la�t,to any late chargea duc under the Note.
<br /> 4.Cluir�e+;Liea9. Borcower shaU pay all tanes. assessments,chazges�fines anui impositions utributable to the Property
<br /> which may sttain priodry over this Securiry Instrnment, and leasehold pAyments or ground rents, if any. Botrower shdl pay
<br /> these obliguloaa in the manner provided 9n paragraph 2,or if not paid in that manner. Borrower sh�ll pay them on dnne diroctly
<br /> _ to the person owed payment. Borrower shall promptly fiunish ro L,ender ell noticca of emounts to be paid under this pu�gnph.
<br /> — If Borrower makes these paymenta directly,Bonower shall promptly fumiah to Lendex receipts evidencing the aymmt�.
<br /> ° Borrower ahall promptly discharge any lien which has prioriry over this Securiry Instrument unlas Borrower:(�)�ra�in
<br /> ' wdtin�to the payment of the obligation sceured by the lien in a manner acccptablc to L.ender; (b)contesu in gooci hlth the llen
<br /> —� by, or dcfrnds against cnforcement of t6e lien iri, legal proceedings which in the Lcndcr's opinfon operate to prevmt the
<br /> - -- enforament of the lien; or(c)secures from the holder of the lien an agrament satisfactory to Lender subordin�tine the Uen to
<br /> �-°��-s° thl� Security Inst�ument. If Lender determines that any part of the Properry is subject to a liea whlch �tuy atuln prtodty over
<br /> -:.�-� thl� Secudty InstNment. Lender may give Bonower a notice identifying the Ifen.Borrower sh�ll satisfy the llen or take one or
<br /> �:':;d��«i morc of tho actions set forth above within 10 days of the giving of nodce.
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