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<br /> � � � � TOCiETHBR WITH atl tda improvementa no�v ar hereaRer erected on the prapeny.and all easemen�s,appunennnces.und ---
<br /> '¢` flxtures now or hareaftar u nan of the pruperty. AU replecements and additions ahail also be covered by this Securtry
<br /> . '` Instsument.All of the f�tegoing la xafanrcd to in thls Security]nstrument as the°Property." ��I'
<br /> � � BOREtO�I�►�[t COVBNANTS that�orrower ia lawfulty seised of the estate hereby conveyed and has the right to grant und � ,
<br /> ' �.. convey tha Froparty and tbat the Property ia unencumbeted. except for encumbrances of rccord. Borrower warrants and wili R"_
<br /> ,__M�� defond gsnerally tha tttlq to di�Property against all clulms and demands.aubject to any encumbrances of record. �.,_,
<br />- � • "'� T��S SErCUR1TY INS'I'RUMBNT combines unliorm coveruutts for national use and noa-uniform wvenents with timited �
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<br /> � ve�-tatiotu+by,(urlcdlction to constltuic a un�fotm security 3nstrument covering real pmperty. ��_-
<br /> ' �� UN[F4RM COVENANTB.P�orrower and Lender cavenant and agree as followa: -
<br /> '�'"��•' 1. Fayment oP�'lrtttgnl and Interest; Prepaytaent and I.ate Charges. Borrower shall promptiy pay when due the �_
<br /> -''� principal oP and iatarcst pn.the dabt evidenced by th�Nate aad any prepayment and late chazges dus under the Note. _
<br /> �,�",� 2. I�ttuds[or'D'axes urn�b Issuraroce.Subjecx to eppNcabte law or to a written waiver by L.ender. Bormwer shalt pay to _
<br /> - ; � Lender on�ha day mon[hly paymants Are due under ehe Noto.untit the Note ts paid in tull,a sum('Fua�s')far:(a)yearly taxes
<br /> $ and assassmont�wbtah may attaln pdorlty over thls Saurity Instrument as a lien on the Property:(b)Yearly leaschold pay�nnents =
<br /> � ' x or groand ecnta on.tlia Property�if any:(s)Yearly ha7ard or pmpe�ty insuram�pterniams:(d)Yearly flood insurauoe premtums.
<br /> . �� �' if any;(�)Y��Y��Q�8age insurauce premiums�iP any; and(�any sums payable by Horrower ta Leuder. in accordanse with
<br /> : ;;, � the provislons o£para$caph 8�ia lieu of the payment of mortgage insurunce premiums.Tliese items are callod°Bscrow Itena�.'
<br /> _:.,,_' ` Lettdar may� at any tirae. colloct and hold Funds in an amouat not to excc�d tha roaximum amount a lender far a federatly
<br /> • �� #�;��'' nlated�ritnrtaega loan may�quir�e for�Hotrower's escrow account under the federel Reul Batnte Senlement Pracedures Act of
<br />-'i�:���°�`�"� 1974 as amaaded from timc to timc. t2 U.S.C.Section 2601 et seq. ('RESPA"),unless another law tbat applies to the Funds
<br /> sets a lesser e�uoant. If so, Leuder may,at any time,coftecc and�otd Funds in an amounc not w exoeed the lesser eiaount. .
<br /> ,.5.�• ' tcnder way estimete the amaw�t of Funds due on tbe basis of curmnt data and reasonable estimates of exg►enditures of future
<br /> � Escro�v It�e�cns or otherwise tn accordauce with applicable law.
<br /> �,`�4. �,e f�ads shall be held In an insdtution wbose deposita ace insured by a federai agency, instcwnentality. or entity
<br /> ' n.:1?� (Ittcla�^�Il.�ader.if�aertder is such an iastitution)or ta any Federai Home l.oan Hank•1.ei►der shall apply the Funds to pay the
<br />_,�',,.,+;,,�. Escrow Q�an�.Lendar may aot charge Borrower for holding and applyiag the Funds.annually analy7lag the escmw account,or
<br /> , .�- :. verifytag thc Escr�w[trsms.unless Lender pays Borrower Interesc on the Funda and applicable law permits I.eader to make such
<br /> �:..,Y�' a chnr�e.However�L,ender may requ[re Borrower to pay a one-tlme charge for an independent real escate tax reportiag sen►tce
<br /> r.�n;: � b���p� in conaxtion wtth this loan. unless appflcable law pmvides othenvise. Unless az► agreea�ent is made or
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<br /> ^�'�'!'*��"��1 applfcable law requttes iaterest to be patd,Leader shall not be re�uired to Qay Horrower any imerest or earnin�on the Funds.
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<br /> ��-�=;�,�F� Borrower and Lender may agree in wdting.however,that ineerest shall be paid on the Funds. Lender shaU give to Borrower.
<br /> �� wi�tsoui chasga. �n ar,awti!�siag af she Fssa�,shQ:�no cmtlil�2n�! �r.�itA to the Fnnds and the pwQose for which each .
<br /> �' '��• debit w the Funds was made.'i'he Funds are pleBgerl es additional security for all swns s0cuied by this 5caufity Insuurt�ent.
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<br /> �.�l.'�. I�the Funds held by Lender exceed the amounu permitted to be held by applicable law, Lxnder shall aocount to rrower
<br />-°;;f���;�`"•`•' for tho erz�ess Funda�n accordaace wtth the requtrements of appttcabte law.If the amount of th�Fuads held by Lender at any
<br /> -"°--' dtae is atoY sufticient to pay the Escrow Items when due.LendEr may so notify Borrower in writiag.and.ia such case Borrower
<br /> =��-���� shall pay 4o I.eader the amount necessary to make nP the deflcienry. Borrower sha11 make up the deflc�esucy in no more than
<br /> - =:-?--`� tareive unon�hly payments,at Lender's sole discretiQn.
<br />- -�'f� — �Ipan�ns er►t611 of all snms secured by this Secudry Instnimenc. Lender shall pmmptly retund to Bornnwer any
<br /> `���"-�-���i Funds�a�by Lender.If.under paragraph 21.Leader shali acquire or sell the Property.I.ender.prior to tha acquisttion or sale
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<br />_.����� of tha t�rnperty.shell apply any Fuads held by Lender at the time of acquisition or sale as a credit agaiast th:sums secu�ed by
<br /> _-..-_- thts Secudty Iasttument.
<br /> _-=�-- 3.Applicatlon of P�ymeats.Unless appliable law pmvtdes othecwise.all payments received by Lendet under patagtaphs
<br /> '' I ana�'9ba11 be applied: fitst,to anY Prepaymcut aLag�a tlue itttdec ihe Not:.:sa��.ta a�uau�ts payabla under paragraph 2;
<br /> —""� tbird,to Interast due;fourth,to princIpal due;aad lau.co any late charges due under the Note.
<br /> --- ---- 4.�harges;Liea4.Borrower shall pay all ta�ces.assessments.charSes. fic�es and impositions attributable to tke Property
<br /> ; which may attatn prior�ty ovu this Secur�ty Instrump►t,and leasehold payments or graund �+ents,if any. Bomuwer shall pay
<br /> - =_- = thest obligatton�in the manner provtded in paragcAph 2.or if net pald ia that manner.Borrower shall pay them on[ime dInctty
<br /> _= to the per8on ewod paya�ent.Borrower shall pmmpdy fumish io Letider aU Aosias of amounts to be paid under this paragraph.
<br /> � If Bomower makes these paymeats directly.Borrower shall proi+�paiy fumish to L�r►der receipts evideucia$tlte payments.
<br /> -""';{� Bormwer shall pmmpdy discharge any lien wi�ich has prioriry over this Sera�rlty Instrumeat unless Bomower:(a)eg�ees in
<br />-- - wrlting w the tpE�dbligatton secuRd by the iten in a manner acaptable to Lender;(b)contesta in good faith the Iten
<br /> ���� by. or defends ep�`t enfoiament of the lten in,legal proccediags which in the Lender's opinion operate to pc+event the
<br /> �`r`�=;�� enforameat of the lien:or(c)secures from the holder of the Uea an ag�+ce�hent satisfactory to Lender subordinatiag the lien tb
<br /> -:,��:s:;�.. thia Seru�ity Insuument. If Lender determines that any part of the Preperty is subject to a lten which may attaia priority over
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<br /> _-=,:�:� , this Secu�iry insuument.1�ender may gtve Borrower a norice idsr+tifjring the tien.Borrower shaU satisfy the 1 en or ta �e ona or
<br /> ``�"=�� more of the actions set forth above wiWin 10 days of the giving of notice.
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