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<br /> y, TOa&THEiR WITH all the tmprovcments now or hercAfter crected on the ptoperty, and all e �ntR,nppurtenencei,nnd
<br />_ . nYm��� nntv or herea[ter a part uf the Dronenv. AU replacements end addidons shall also be covered by this Security
<br /> ' �' � lnstrucncnt. All of the foregoing is refened to in this Secudty Instrumcnt ns the"Properry," '
<br />- � BORROWB�t�OVENANTS tht�t Bonower 1a lawtiilly seiaed of the estete hereby conveyed nnd has the ri�ht ta grant and —
<br /> P convey tho Prapeity and that the Properry is unencumbered,excepc for encumbrnncea of rceord. Borrower wurants and will
<br /> defend generally the title to the Aroperty agninat all clain�s and demends,subjeet to any encumbrxnces of record.
<br /> x� THIS SECURITY INSTRUMENT combincs uniform covenants for n�tion�l uac and non-unitorm covenuntR with limited
<br /> •�� vartztions by jurisdiceion to coneticute u uniform sscudty lnstcument covedng real property. �
<br /> UNIFORM COVENANTS.Borrower and l.ender coveaant and agae es follows:
<br /> ���, 1. Payment ot 1MncIpAl and Interest; Prepayment pnd I.�te Charga. Horrower ahall promptly pAy when duo che
<br /> � ���" pdncipal of and interest oa the debt evidenced by the Note and any prepayment and late charges due under che Note.
<br />- 2. Funds for Taxes and Insurance. SubJu[to applicable law or co a wrttten waiver by l.ender, Bonawer sh�ll pay to
<br />'�,•• Lend�r on the day moathly paymencs a�dme under e�,e NQte,ura.cil che Nou ls paid in full. a aum('Funde')for:(n)yearly taxes
<br /> � a' and assessments which may attaln pcio�iry o�rer.th�s Secucrry Tie.3p'ument as a lien on the Property;(b)Year1Y�easebald pnyments
<br />- �,.;. ;'.. or grov.nd rents on the Property,if a+�yy:(cl yeuty b.azar�or.prrrpxst�insuT2nca premiums; (d)yeuly flood insurance premiuuu.
<br /> ' � if auny: Qe}yearly mortgage insura►�aor Fremiums, if arcy:a�nx�6�1 a�y sums payable by Borrower ro Lender� in�ccorcl�nce with
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<br /> .,�,, ;,.,,t, . • tbe pr�v'r.�zans of paragraph 8, ia]l�eu QP the paymenc of iner�c�a�,�insurance premiums.These items an called `Escmw Items.'
<br />`4=;�"'�'x�;:;;;:�,, • i.endea r����, at any time, coliect aad&old Funds in aa ar.�r.QVr:e not to exceed the maximum amouat a lender for a fedcrally
<br />"�`:-�,j:n�'i;?'��` � c�IIx¢e�i morcgage loan may nquire for Sorrower's esecow aaa�u:at uader the federal Real Estate Senlomeat Proceduros Act of
<br />����;;`�`;�;�' 45�'�4 sis nmxndcd from time ro time, 12 U.S.C.So,.'�ion. 2b�1 cr seq. ("RESPA"),unless anothcr law ttist applies to the Funds
<br />-.�c��°:�`�'�•. s�t�a 9xsser amouat. If so,I.ender may,at any tilrn:. �oltect and hold Fuads in an amount not to exceed the lesser amount. -
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<br />��:;•,�„� Lentkat r.i:�:esdmate the�ntount ctE Funds due on the basis of curr6nt data and reasonable cstimues af expenditures o tun
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<br />-;`�'.r'�.:; t, • Fscron� l�ctrs or otherwise in aa�vzdaace with appllcable law.
<br />��-y�A: The Funds s�sI[ 6e held in aa institutlon whose deposits are insured by a federal agency. instrumcntality, or entiry
<br />:'���.;:�';�'� (facluding Lender,if!l�en3er is sueh an i�sdmtion)or in any Fodaral Home Loan Hank.I.cuJe. S;,�II dppl y Q►�Fuucla to pay t�c =-
<br />__:;.�?�fi . Escrow Items.Leader rnay not cbarge Borrower far holding and applying the Funds,wnuaUy an�lyzing the escrow account.or
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<br />�:�;�,�.••�,: ' verifying the Escrow Items,unless I.ender pays Boaower interest on t�e Funds and applicable law peraiits I.ender ta make su
<br />_-=4�_�'=:'� a chu�e.However.Lender may require Borrower to pay a onattm�charge for an independent real estete tax reporting service
<br /> ��="���� t�sed b I.enda in oonnection with this loan, unless applicable law provtdes othenvise. Unless an agreoment is made or
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<br /> „;y�ffiy ipplicable law requires intetest to be paid,L.endor shall not be reguired to pay Borrower any intetest or earaingt on the Funds.
<br />_ _.�,�� gqtrower aad Lender may agree in wricIag, however,that intereat shall be pald on the Fuads. I.eader shall glve to Horrower,
<br />- -u.��� without chnrge, an uinual eocouncing of the Funds, showins eredits and dcbits to ihc F�15 etxi ihc purpose for whiCh e�h
<br /> _:_��pp�"� debit to ihc Funds wu made.The Funds are pledged u�dditional secudry for all sums secured by this Security lnstrumer�t.
<br /> If tbe Funds held by Lender excad the amounta pemnittcd to be beld by applicable law,l.ender aball account ta Horrower
<br />-'�"°°`"�W� for tho excess Funds in accord�ace with the nquireroents of applicable law. If the amount of the Funds held by Lender it u�y
<br /> �;Y�� time is Aot auf�clent ta pay the Fscrow Itoms when due,Leuder may so notify Borrower in writing.and,in such case Boaower
<br /> _... r,;,,�T,� shdl pay to Ltader tba amount necessary[o make up the doficiency.Bonower shall make up the deticiency in no mon than
<br /> —"�"°°`"'�� twelve monthly payments,at Leader's sole dlscredoa.
<br /> ����','}�""� � Upob payment ln fuli of�Il sums secured by this Securiry lnsuument, Leader shall prompdy xefund to Born►wer any
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<br /> -__-- Funds held by Lender. If,under pu+graph 21,1;ender sh�114cquin or se11 the Ptoperry, L.ender,priar to the�cguisidon or aale
<br /> af the Property.s6�11 apply any Funds held by I.ender at the ctme of acquisition ar sale as�credit ag�inst the sums secured by
<br /> thit Securiry Insaumeat.
<br /> 3.Appllatton of Paya�ents.Unlas applicable law pmvidcs othenvise.all paymeats reaived by Le�tder under par�graphs
<br /> 1 aad 2 ah�ll be applied:firat.co u�Y Pnpayment chuges due under the Note: second.co unoun�ry�h��qtl�p�aB�+Pb 2:
<br /> thitd,to latenst due;fourth,co princip�l due;u�d laat.to aury lace chuges due under tho Noce.
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<br /> 4.Clwr�e.s; Uens.Borrower sh�.11 pay al{taxes�usasmeats,chug�,fines u►d impositions amributable to the Property
<br /> .� which mry�ttdn prlbriry over this Securlty Instrument, and leasehold piyments or ground rents. if any. 9orrowa ahdl piY
<br />-�.��=::w� these obliguions in the manner provided ia p�cagraph 2,or if not p�id in thu muiaer.Borrowar shall pay them oa time directly
<br /> to We petson owed p�yment.Borrower shill prompdy fumish to I.ender�Il notixs of�mounts to be p�id uader this paragraph.
<br /> If Borrower m�l:a these paymeats directlY.Borrower st��ll promptiy ftuaish tn Lender recetp[s cvida�g We pzymeats.
<br /> Bonower shall prnmpdy dischuge u►y lic.n which hu priority over this Sewrity Ir,stnuncnt t�aiess Bomower: (a)agtas in
<br /> writing to the ptymeat of the obliguion secured by the lien ln a manner acceptable to Lenda; (b)conteats 9n good f�iW the liea
<br /> by. or defeads against enforoeaxnt of the lien ia. Ieg�l procadings whicb in We I.ender's opinion operate to prevart the
<br /> enforcement of the Hcn;or(e)secures from the holder of the lten ui agrameat suisfoccory to I.ender subordinuing the lien to
<br /> this Secudty Instrua�ent. If Leader detennines th�t aay pan of tbe Property is aubject to a lien whiUs may atuin priority over
<br /> -_= = thia Security Instrument,Leadcr m�y give Borrower a notice idendfying We lien. Boirower shall suisfy d►e Iien or talce one or
<br />�"°-"-� more of the actions set farth above within 10 daya of the giving of notice.
<br /> :;���� Fo�m3021 �190
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