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<br /> ''' � • 'COOETHER WITH e11 the improvemente no�v or hereahor erected on the property, ond all easaments.
<br /> � � appurtanauces,and Yixtures nocsr or hereaftcr a pact ot the property.All replacements nnd nddtttons shell also be covered -
<br />-������: by tlua Security Inatroment.All oi the faregoIng te reternd w in thia Secudty Instrument es the"Property."
<br /> n BOItROWSR COVBNANTS that Hc�tto�ver ia lacvtully seised of tha estata hereby convsyed aad has the right to �`
<br /> ��� grnnt end convey tho Property and that the Property ie unencumbend,except for encumbrancea ot record. Borrower �
<br /> ._ � warrants and�vill defend generally the tftle to the Peoperty ugainst all claims and demends,sub�ect ta any encumbrannces }`�
<br />��:;� af record.
<br />` � � THIS SECURITY INSTRUMENT combines uaiform covenante Yor nuttonal use and ar►n-uni4orm coveneuts �vith -
<br /> ;`;;S`� limited vatiatioas by jurisdiction to constitute a uny torm security instrument wveriag�eal pmperty.
<br />;_�f UI�3IFORM COVENANTS.Borrower end Lender co�enant and agree us follo�ve: ,
<br />��� 1.Payment oi Principat�ad Iaterest;Prepsyrnent and Lato Chuges.Borrower shall promptly pay ahea due _.
<br /> the priacipal of attd iaterest on the debt evldeaced by tho IJoto and eny prepaymeat aad late cherges due undar the Ivote.
<br />�� 2. Fnads for Tazes and Iasursnce. Subject to appl�cable law or w a written waiver by I,euder, Borrower shall
<br /> � �`� pay to Lender on tha dap moathlq payments aro due under tha Note.until tha Note is p�id.in full,a sum("Funds"){or.
<br /> ���� (a) yearly taxes and ussessments cvhich may uLtnia pciority over ttds Security Instrument r�s a lien on the Property;(b)
<br /> r.;:�� yearly leasehold paymente or ground renta oa the Property,if aay; (c) yearly hazard or property insuraace premiums;
<br /> (d) yesrly flood insUranae premiums.if nay;(e)yearly mortgege insurance premiume,if any;c3ad(f)aay surne payable
<br /> ��"� by Borro�ver to Lander�in accordaace with the provieions of paragcaph 8,Ia tieu of tha payment of mortgege iasurance
<br /> """��� preaniums.These items are called"Escrow Items.°Lender msy�at aay time,collect aad hold Funds in an amauntnot
<br />��°�'.vr' to egceed the magimum amount a lead@r for a federaliy relabzd mortgaga loan may require for Borrowers es�ccow
<br />�==�--�a aocount upc3er tho federal Resl Estate Sattlement Ptocedwes Act oi 1974 as amended irom time to time. 12 U.S.C.
<br />=>��s?�:� Section Z�Ol et seq. �'�PA"),unles9 anothar law that applies to the Funds sets a lesser amotwt.Ii{so.I.emder tney,
<br />��_� ,� at a�y time,wllect aaa hotd Fuads ia an snacunt�ot to a�cerd the 1c;�er arrioun�Lender may est�imats the amount of
<br />:-jt~:�a Fuads aue oa the basis of curreat data aad reasonabla estimates of eapendiEVres of future Esctow Items or otherwi se ia
<br /> s�;�j:"';•�, accordance with applicable law.
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<br />____ The Funds ehall be held in au lnstitution�hoso deposits are insured by a federol agencp,inatrumentelitq,or entity
<br />--�,� (iacluding Lender�if Leader is such an institution}ar in aay Fedetal Hoaze T..oaa Bank.Leader shaU applq the Funda to
<br /> ---= pay tha Fscrow Itetas.Lender may aot charge$orrower for holding and spplying thv Funds.ennua118 analyzing the
<br /> -�-_,.�.. escrow accovat�or verifqing the Escrow Items,ualess Leader pays Borrower iaterest on the Fnnds aad applicable law
<br /> - permits I:eader to make such a charga. However,Leader m,flp requira Borrower to pay a one-time chnrge f�t.asa
<br /> __� iadepenaaent real estate tex repatting setvice used by Lender in,connection with this loan,ualess apglicable law prbcrides
<br /> otherwisa.t:Inless an agreemeat is made or applicable law reguires interest to be paid,Leader shall aot be reqvi�d to
<br /> � _ pay Bot!kower any iaterest or earnings on the Fuads.Sorrower and Lender may agree ia writiag,ho�vever,that iatenst
<br /> shall 6e��iti oa the Funds.Lender shall�tve to E+cnnwer, without charge,an anaual accountiag o$t}�Funda,showiag �. _
<br /> _ _ credits'amd ilebits to the Funds and the purpose far Which each debit to t11�l�uads wes made.The Fuads ar�pledgc�as
<br />—"�?�•� additional sa�urity for all sums secured bq this Security Insttument. • ' '.
<br /> ';;;,� If t1x��ds held bp Leadet,�xe�ed tha amounts pernutt�ed to be&�1�1 by applicabla�aw. I.euder shall ac�u�zzttm .
<br /> _-'� Borrow�•far the exoe�ss�uads in,acoprdance with the require�ents o£a��a?se�eble law.�D4 the amount oi the Funda��eld
<br /> by Lender•at,any tiune as aot sufficient to pay tha Fsi,row Items when,du�,b�eader may so notify Borrower in�vtiting,
<br /> � aad.in such:'�ase Bosrowet ahall pay to Lender the acaouat ne�ary to mnke up the deficieacy.Borrower shail rneke
<br />— up the dyfidiency in ao more thaa twelve monthly paymeats,at Leader's sltle discretioa ,
<br /> -_— U�ou paymeat in full of all sums secuted bp t6is Se�urity Insttument,Lender shall promptiy refund to Bqrr�r�w�r
<br /> any Fuiit(s held by Leuder. If,under paragaph 21,Lender shall acquire or�ll tha Property,Leader, prior'R�.i�e
<br /> . scquiai$on or eale of the Property,shall spply eaq Funds held bq Leadet.at the time of acquisition o�sale as�''c�edit ; •
<br /> '.� against tha sume secured bq this Se�urity Instrument � � •r:-:
<br /> 3.Applicatiaa of Paymeats.Unlesa appGcsble law provides oth�iso,all paymeats receive8,�ip Lando�t�qder ��1
<br /> P�6�Pha 1 end 2 ehaU be applied:.€irat,to any pre�ayment charges due.undar the Note; second.to amouats�payabla
<br /> uader paragraph Z;third.to iaterc�tt d�e;fourth,to pnnc�pal due;and last,to any lats charges due under the Note.:... .'�
<br /> 4. Charjes; Liens. Borcower shall pay all taaes,a�ssmeats,charges,iiaes and impositlons attributable ttD t�e
<br /> Pro�perty�vhich may attaia prioritp over tbis Security Instrumeat.and le�sehold paymenta or grouad reats.if' anq.
<br /> Borrower shall pay these obligatioas in the manner prnvided in pasagxaPh 2,or if aot paid in that manner, Borrotver ,�;�:`
<br /> shall pay them on time directly to the person owed payment.Borrower,sh�U promptly furnieh to Leader all noti��sof
<br /> aaaounts to#�e paid under tlua ParaB►�Ph.If Bonower makes these paynients directly�BorroNCr sbaU promptlp f'urrdah
<br /> to Leader receipta evideacing the paymeats. , '....
<br /> Borrower ehall pmmptly discharge aay liea wluch has p"siqritp d'V�r;this Security Instrument unlesv Bonowar:(a)
<br /> agrees ia writing to tha payment of the obligation secured by t8e lien jn a•manaer acceptnble to I.endet;(b) conta�ts in :�•�;
<br /> � :good taith tha lien by.or defends against enfvrcemeat of the liea in,Yogat proceadit�gs which ia the�;eader's opiuioa ;.,:�:_
<br /> _ " operau to prevent the enforcement of the liea;or (c) secures from the bolder of the lien aa agreemeat satisfact�y Fo .
<br /> ;<<� Loader subordinaring the lien to this Securitq Instrument.If Lender detennines tl�at anp part of tha Property is'subjatt
<br />_...-_.��� w a liea whiah may attaia prioritq over this Sxuritq Liserumeat,Len�der may give Bc�wer a aotica ideatifyf�t�tl�� .
<br /> -- lien.Borrower shall satiafy the lien or teke oae or more oi the aations set torth abova withia 10 dape of the pviag of�. �. �"r
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