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<br /> '.. . . � TOGE1'HfiFt WITH uU thc impruvcmcnt+nuw un c�rcaficr crcctcd on tlu pro{►cny. unJ aU ca�c��untti.appurtcnuncc�,and —
<br /> tixturc, nu�ti• un c�reaftcr a pan of thc pruperi;�. A!I replarcmcnts and additions shidl ulso hc cuvcrcd hy this Security
<br /> Ins[rumcnt,All of thc fi�rcg�,ing is ret'crred u�in this Sccunty In.uumrni a+ ih�"I'mp�rq•.'
<br /> , �,���� I30RkOWfR COVFNANTS thut Borrowcr is lawlully +citiui o(thc rr.tatc hcrohy convcycd und ha�the ri�ht to grunt:md _-
<br /> � convcy thc Pr��perty and that thc Pro{x�rty is unencumt+crcd,cxccpt ti�r cncmnbruncc+ uf record. Borru�v�r wurrants und �yill —
<br />_:�,� defcnd ge�xrally the title tn thc Property t�gninst all cluims anJ demimdti,+ul�jat to any encumhnmrc�uf rec�xd. `
<br />_:�„ THIS SECURITY INSTRUMEN7'combincr uniform covenunt, for nations+l utic und mm•unifurm a�vcnan�s with limited �;
<br /> � variations by jurisdiction to constitute u uniform+ccurity instrumcnt cuvcrinb rc:sl property. —
<br /> UNiFORM COVENANTS,Borrowcr and L.cndcr covcnant und usrec asfotlaws: _
<br /> 1. Payrnens oF Prir�cipa! nnd Interest; Prepayn�ent and I.ate Chur��s.Borrowcr shull promptly puy when duc the —
<br /> �, principal uf and inter�st on tU�debt evidenccd by thc Nore and uny prepaymcm and ta[e rharges duc undcr thc N�ne. —_
<br /> - 2. Funds tor Taxes ac►sb in�urance. Subject to :►pplicable law c�r tu a w�r.ittere waiver by Lender,Barrower shnll puy to _
<br />;- + Lender c�nihe day monthly ps.}crr�nts are due under the Nate,until the Nate isp:�id in full,a sum("Funds")for: (a)yearly taxes _
<br /> `,�� and assessments whtch may actain priority over this Security Instrumerr.t a�:a lien on the Propeny: (b) yearly Icaschold payments _
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<br />�k,�•, - or ground rents�n thc Properc�_if any:(c)yearly hur.ard or pmperty iasurs�nce premiums:(d)yearly Ihxxi incurance prcmiums, �
<br /> ' if any; (e)yc arly mortgage irt.surance premiumti, if any;nnd(f") any sums pay4ble by Horrc�wer to Lender,in accnrdunce with �"-
<br />�:`x,� ��°• �`" the provisions of paragrapl2 S. in lieu of'the payment of mortgage insurance premiums. These items are call�i "Escrow Items." �.
<br /> ; l.cndcr nuy, at any time, collect and hold Funds in an umount not [o cx«ed thc maximum amount a lender for a tedcrally �`
<br /> =�_y.�.:,<<i��." related mort�age loan may require for B��rrower's escmw account under ttiefederal Real Estute Setdement Pcocedures Act of ��
<br />-' ' .+�. 1974 as :unereded from timc to time. 12 U.S.C. Scction 2601 et seq. ("Rk�.SPA"),unless another law that applies to the Fund� __
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<br />_.,.�,, ,, ,.,.a � secs a l��xr amount. if so, [.ender may, at uny timc, collul and hold Funds in an amount not to cxceed the Icsscr amount.
<br /> '• •-+ � [,en4�r cnaf• estimutc thc um�unt of Funds due on the basis of current Jata mid rea�sonable estimatcs of expenditures of future
<br /> �''•=-#�iy*'� , Escruw Items or otherwise in uccordance with applicuble law. o.'
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<br />-`q''�/�j,�:'t'! Thc Funds shall bc held in un institutian who,c deposits are insured by a federal agency, instrumentality, or entity
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<br />- .;�•�f,}�, • (including Lender,if Lendcr is such un institution)or in any Federal Hom� Loan Bank. Lendcr shall apply the Funds to pay t e
<br />'%"�x�" �+� F.ecrow Irems.Lc:nder muy nat charge Borrower for holdin�a��d applying tl�e Funds,annually analyzing the escrow account,or
<br /> verifyingthe Escrow Items,unless Lender pays Borrower interest un the Nunas and appiicabie iaw pc:nnii� ixu�c�i:��naS:�st�eh
<br /> `='`=`�—�-�. a char e.However, Lxnder may require Borcower to pay a one-time charge for an independent real estate tax reporiing service _
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<br /> used by Lender in connection with this loan, unless applicable law praivides othenvise. Unless an agreement is made or
<br />""`��`"� applicable law requires interest to be paid. Lcnder shall not be required to wy Borrower any interest or eamings on the Funds.
<br /> -- — Borrower and Lencler may u�ree in writing, howcver. that interest shall bc paid on the Funds. Lender shall give ta Bortower,
<br /> — � without charge, an annual accaunting of the Funds, showing credits and debits to the Eunds and the purpose for which eueh
<br /> _ debit ro the Funds was made. The Funds are pledged as adclitional security for all sums secured by this Sec:urity Instrument.
<br /> [f the Funds held by Lender exceed the umounts permitted to be held by:applicable law. Lender shall account to Bonower
<br /> -��-� for the excess F�mds in accordance with the requirements of applicable luw.If the umount of the Funds held by Lender at any
<br /> -- time is na suf�cient to pay the Escrow Items when due,l.ender may so notify Borcower in writing, and, in such case Borrower
<br /> , shall pay io Lender the amount necessary to make up the Aeficiency. Borrowc:r shull make up the deficiency in no more than
<br /> twelve rnonthly payments,at I..ender's solc discretion.
<br /> Upon payment in full uf all sums securecl by t6is Security Instrunzent, Lender shull promptly refund to Donower any
<br /> Funds held by L,ender.If,under paragraph 21, Lender shall acyuire or sel! �he Property,Lender, prior to the acquisition or sale
<br /> of the Property, shull apply any Funds held by Lender at the time of acq�sisition or sale as a credit against the sums secured by
<br /> • this Security instrument.
<br />"� 3. Appllcation of Payments. Unless applicable luw provides othenvise,all paymcnts received by Lender under paragraphs
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<br />-� l and 2 shall be applied: firac, to any prepaymcnt charges due unJer the �lote: second, to amounts payable uuder purugraph 2;
<br /> -- _- third,to intercst due; founh, to principal due; and last,to :iny late charges due under the Note.
<br /> 4.Charg�;Liens. Borrower shall ps►y all ta�ces,nsse�sments, charga, fincs and impositions auributable to the Property
<br />�� which may attain priarity over this Security Instrument, and Ieasehold paym�nts or ground rents, if any. Borrower shall pay
<br /> thesc obligations in the manner providcd in paragraph 2,or if not paid in that rnanner. Borrower shall pay thcm on time directly _
<br /> ,_:-� to the person owed payment. Borrower shall promptly furnish to I.endcr all notices of amounts to be paid under this paragraph.
<br />— - -- If E3orrow•er makes these payments direcdy.Borcower shall prompdy fumishto Lender receipts evidencin�the payments.
<br /> --�" '--'�""'� Borrower shall promptly discharge any lien which has priority ovcr thia Securiry Instrument u�le.ss Borrower: (a)agrees in
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<br /> --�,_,�.�, writins io the payment of the obligation secured by the lien in a munner acceptable ro Lender;(b)coatests in good faith the lien
<br /> _�'T'��e by, or defetxls against enforcement of thc lien in, lega8 pmcee.�iings wnich in the Lender's opinion operate to prevent the
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<br /> -"--- enforrement of the lien; or(c)sccures from thc holdcr of the lien an agrecment sutisfactory to [.cnder subordina[ing thc lien to
<br /> - _='��:L:;�Y�� this Security Instrumcnt. if l.endcr detcrmincs that any part�f thc Propen}•is subjcct to a lien�shich rnay attuin priority over
<br /> y;ei,�;` this Security Instrumcnt. Lendcr may give Borcuwcr a noticc idcntifying the 1 icn. Borrnwcr shall satisfy the lien or takc on�or
<br /> _-=--��,.� more of ihe actions set fonh above�vithin 10 days of the givin�uf notice.
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