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<br /> TOOETi'I�R WITH aU thc:improvemcnts n�w or 1��rcuRcr erectcd an ths��ropeny, und iill ca5emcnts,nppurtc�iances,und
<br /> fixtur�� now on c�re�ftcr u purt of thc praperty. AU replacemcnts and ce�+tians shuli u1,u i�c covercJ by tiiis Security
<br /> li��irument.All af'thc fi�regoing is rcfcrced to in thj•�Seau�ity instmment us tliu"PropcRy.'
<br /> liORRQW�R COVENANTS that��rrowcr is lawfully sPised of tha e�:iue hemby canveyixl and hns the right ta grunt iind
<br /> cnnvey tNe Property and thut tha Propcny is uncncumFxral, exrept far en4umbrances c►f rccord. Borrower wurrants und will
<br /> dcfcnd generally the title ta the Property Agaimt ull clnims and c�amnds.suh,�rct ta any encumbrunces of reconf.
<br /> '1'NIS SECURIT�r INSTItUMENT �ti�u�bii�y unifomti c�wcnaucn far ►1�tia��;d usc and nan-uniform roven�nis �viih limiced
<br /> vurintians by jurihdiction to rnnstiwte a uniform security instrument coveriing real prapetty.
<br /> UNIFORM CQV ENANTS.Horrowcr and L.a:ndcr ccwenant and agr�a�foltaws:
<br /> l. P�wyment of P�inctpal �nd lnterest; Prep�yment�nd I,ate Cl�r��.w. 8ormwer shull pn�mptly puy whcn dttc the
<br /> principal of nnd interest on the debt evidcnced by the Note and any pttiNayment and late charges duo undGr the Nota.
<br /> 2. �ndK tor T�xes sad InsurAnce.Subject to applicable luw ar to a written wxiver by I.ender. Borcower shall pay to
<br /> Lender on thc day manthly payments are due under thc Notc,until tha Note is paid in full.u sum("Fwx1s"�r�r:cn�ye�r�y�GS
<br /> Arid assessn�ents whieh may uttain priority aver this Security A�ytrum�ent�►s a lien an the Property:(b)yearly Icasehnld payments
<br /> or ground renGg on the Property. if uny:(c)yearly hazard or prc�perty insurence premiums;�dl yearly fla�d insurance prcmiums.
<br /> if any; (e)ycarly mortgage insurance premiums, if any: and(Pl onY sums payable by Borcower to[.endar.in :kcardance with ;
<br /> thc provisions of paragraph B, in Iieu of thc payment of mortgc�sc irisurance ptemiums. Thcse itcros are callud "�.scraw Items."
<br /> L,ender muy, at nny time, collect and hold Funds in an amount nat to excee,d tho maximum amount a lencicr fur a fede:ally
<br /> relaced mortgogc loan muy rcquire for Harrower's esc:ow account under the fedcrnl Rwl Estate Settlom�nt Pcncedures Act of
<br /> 1974�.s amended from timc to time. 12 U.S.C.Secdon 2601 et seq.("RNSPA"y. unless anather iaw that appif�s tu the Punds
<br /> sets a tesser arnount. If so.Lcnder may. at any time. collect and hold Funds in an amaunt not to excead the lesscr aunount.
<br /> [.cnder may�timate ttie nrnount of Funds due on the bASis of current data and reasonable estimatcs of expenditures of futurr.
<br /> Escraw Item.v or otherwise in accordance with ap�.kabte law.
<br /> 'l�c Funds shall bc held in an +nstitution whose dcposi►��u� iu�u�ut up d fwc�aI ;�;ency. iil�1-U�iK:��(a:jL3,a: cnLr;
<br /> (fncluding l.ender.if L.endcr is such a�iiudtutlon)or in eny F�dcral Home Loan Bunk. Lender shall apply the Funds to pay the
<br /> Escrow Itema. Lendcr nmy not charge Borrower for holding utx9�pplying the Funds,annuaUy analyzing the escrow aocciunt. or
<br /> vcrifying the Escrow�;cros.unlesa Lendcr pays Sc►rrower interest on thc Funds and applicable law permiu Lender ta mRke such
<br /> a chnrge. However,l.�ender may roquire Borrower to pay a one-Hme charge for an independent real cstate tax repvrttng servia
<br /> used by Lender in connxtion with this loan, unless appticable law pmvidcs otherwise. Unlcss an agroament is made or
<br /> applicabla taw requires intemst to be paid.Lender sh�l!not be required to pay Borrower eny interest or e:imings on the Funda.
<br /> Borrower anci I.ender may agree in wr�ting. i►owevcr, thac in[e�st shait be puid o,�itic FurKia. I.endur shal! girt to Ear:ca�er,
<br /> wdthout charge, an;�,�n�a! aocounting of the�Funcis,showing credits and debits to the Funds and the purpose for which eact�
<br /> debic ro the Funds wa.�mnde.Thc Funda atr pledgeal a.g additional security for all sums sccut�ed by this Socradty Instrument.
<br /> • , If the Funds held�by Lendcr Cxceaci the amnunts permitted to be hald by applicable law,Lendcr shall scc�ount to Borcower
<br /> for the exass�unds in xcocdanre winh the rcquireui�nts of appliaable law. If the amonnt ofi'the Funds hc(d by L,end�r,rt any
<br /> time is�n�+t'sufticient Lv pay the Escmw I:ems whvn due.Lender may so notify Borrower in�vcdung.and,in such casc�rrower
<br /> slull pay to I.erider cl�,e acriwnt necessary to mwke up the deficiency. Borrower shull make up the defiaianay in no rt�ar�than
<br /> trrelvt monthly payr�rts. ac L.ender's sole disceetion.
<br /> Upon peymme in fu11 of�ll sums socured by this Security Instrument.,i,e�der shall promptly rcfund ta Borrowcr any
<br /> FundR hutd by I.onder.li, under paragraph 21,L,endec shall acquirc or sell th�Propecty,Lcnder,prior w the acquis�tion or sale
<br /> of tha�'�►��Y•�l �pply Any Funds held by Ltnd¢r at the tima of acquisition or sale as a crcdit agatnst the sums securod by
<br /> this SeCVrity Ir►strument:
<br /> 3.Appiiatioe ot Aayments.Unless appticubte Uiw provides otherwise.all payment�raeivod by Lander under pAragraphs •
<br /> � � 1�nd 2 sh�ll be applied:fint. to any pr.spaYmena d►nrges due under the Nnta:second. to amounts payabte utder paragr�ph 2:
<br /> third.to.�nterest due: fourth,to principal dac;and last.to any tate charges duo undcr the Nate.
<br /> 4.ChRC�es;Iaem•Eorrowet shall pay all ta.ces. assessments.charges. fincs and•:impositions uttribatable to the Ptape�ty
<br /> wi►ict�ms�y atwin prtority over thls Security instYUm�nt,u�d leaschald payments or gi�und rents. if any.Borrowet�sh�11 pzy
<br /> th�e obligationo in the n�r pcovided in p�ragraph 2.or if not paid in thnt manncr,Y3orrower shall pay them on dme diroetly
<br /> to the person owod puyment•Borrower shill prom�xly furnish to Lendcr aU notiaes of amounts to be p�id und�er ehis paragraph. •,
<br /> If Borrov►er makes these payments directly.Bomawer shall promptly furnish to Lender�+eccipts evidencing the p�ymencs. •� .
<br /> Bor�ower s1�11 promptly discharge any Uen which has pricxity over this Securiry Instrument unless Borrower: (a)i��tees In
<br /> writing to the payment of the obligation secured by tAe lien in a mAnner acceptabte to L.ender:(b)contests in good faith�he lien
<br /> � by. or defends ag�inst enforoement of the lien in, ltgal proceaiings whic8 in the I.ender's opinion operato to pnvent the
<br /> enfocament of the lien;or(c)socurcs from the holder of thc licn an agreement satisfactory to Lender suboridinating the lied to
<br /> t63s Securiry Instcument• If I,endrr detetmines chat any pact of thc Pro{xrcy is subject to a Iten which may attain priodty over
<br /> this Securiry Instrument,L,m�dur ir►�.zy give Borrower a notice identifying the llcn. Bormr�er shall satisfy thc lien or takc one or
<br /> more of the actionF s�t fortH.abav�r a�ciitxin 10 days of the giving of notice. •
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