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<br /> TOOETHBR WITH uU thc impruvemcnts iww or hereaQer erected on the prapeny,und all c�scmcnts, uppuncnanccs,und
<br /> fixtures naw or hercaRer u part of the prupeny. All replacements uixi additions shall ulsn be covercd by this 5ecurity
<br /> Instrument. All af the forcgning is refcrred to in this Secudty Instrument as the"Property."
<br /> BOR[tOW[?R COVF.NANTS thut Anrrower is lawfully scisecl of the e.ttnte hereby conveycd and hns thc riFht to gtYU�t and
<br /> convey tho Prc►perty und that the Property is unencumberod, except for encumbrunces uf record. Barrower warrants unci will
<br /> defend generally the title to the Propeny agninst all claims and demands,subject to any encumbrunces of record.
<br /> THIS SECURITY INSTRUMENT combines uniform covenants for national utie nnd non-unlform covenants with limited
<br /> variutions by jurisdictton to constitute u uniforni secudty instrument co�ering real property.
<br /> UNIFORM COVENANTS. Bonawer und Lender covenant atid agrec as follows:
<br /> 1. Pnyment of Principxl and interest; Prep�yment and Late Charges. Borrawer shall promptly pay when duc thc
<br /> principal of a»d interest on the debt evldenced by the Note und any pmpayment nnd late chnrges due under the Note.
<br /> 2. �und4 for Taxes �nd Insumnee.Subject to applicable law or to a written waiver by L.ender. Bonower shall pay to
<br /> Lender on the day monthly payments are due under the Note.until�he Note is paid in full.a sum("Funds") for: (a)yeurly taxts
<br /> and assessments whtch may attain priarity over this Securtty Instrument as a lien on the Property; (b)yearly Ieasehold payments
<br /> or ground rents on the Property,if any:(c)yearly hnrard or property insurance nremiums;(d)yesuly tlood insuranct premiums.
<br /> if any: (e)ye:uly mortgage insurance premiums,If any;und(�any sums paynble by Borrower to Lender, in accordance,with
<br /> the provisions of purugmpl�8, iii lieu of the payment of mortguge insurance premiums.These items are calted"�?scrovr Items."
<br /> L.ender may. at ciny time, collect und huld Funds in un umount not to exceed the maximum amaunt u lender for a foderally
<br /> related mortgxge loan may require Por Bonower's acrow account under the federal Real Estate Settlement Pracodures Act af
<br /> 1974 us amended from time to time, l2 U.S.C.Section 2601 et seq. ("RESPA").unless another law that appli�s to the Funds
<br /> sets u lesser am�ount. If so, Lcnder may,ut any time, collect and hold Funds in an amount not to exceal thc lesser amount.
<br /> Lender may estimate thc amoun•of Funds due on the busis of current data and reasonable est(mates of expenditures of future
<br /> Escrow Items��:.u�crwise in accardance with applicable law.
<br /> The Funds shull be held in an institution whose deposits are insured by a federal agency. insuumcntality. or entity
<br /> (inciuding Lender.if Lender is such an institutIon) or in any Federal Home Loan Bank.Lender shalt apply the Funds ta pay the
<br /> Escrow Items.Lender may not charge Borrower for holding and applying the Funds,annually analyzing the escrow account,or
<br /> verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and npplicable law pernuts Lender to make such
<br /> a ci���ge.iIIuxezrr.T.�;ndcr may rcqulrc Barc�ucr to gwy a asse-stme char;e for sn fnr3e�er.sslent rea!�tats ts.t r�gortino s•n,;eP
<br /> used by Lender in connection with thIs loan, unless applicable law provides otherwise. Unless an agreement is made or
<br /> applicable law requires interest to be paid,Lender shall not be�equirod to pay Borrowtr any interest or eamings on the Funds.
<br /> Borrower and Lender may ugree In writing. however, that interest shall be paid on the Funds. Lender shall give W Barrower.
<br /> without charge, an am►ual accuunting of the Funds,showing crediu and debits w the Funds and the purpose for which esch
<br /> debit to the Funds was made.The Funds are pledged as additiona!security for all sums securtd by ttus Secucity insuument.
<br /> If the Funds held by I.ender exsoed the amounu pernuttod to be hald by applicable law,I.ender shall account ta Borrower
<br /> for the excess Funds in accordan�:e wIth the requiremen�s of applicabla law. If the amount of the Funds held by I.ender at any
<br /> time is not sufficient to pay the Escrow Items when due.Lender may so notify Borrower in writing�and.in such cuse Borrower
<br /> shaU pay to Lender the amount necessary to make up the deflciency. Horrower shall make up the defic3ency in no mor�e thaa
<br /> twelve monthly payments.at Lender's sole discretion.
<br /> Upon payment in fuU of all sums secured by this Secarity Instrument, Lxnder sh�ll promptly rafund to�orrower any
<br /> Funds held by Lender.If. under paragraph 21.Lcnder shall acquin or sell the Property,Lender.prior to iho acgulsItion or sale
<br /> of the Property, sh�li apply any Funds held by Lender at the tims of acquisition or sale as a crcdlt ugainst tlie sums secured by
<br /> this Secudty Insuument.
<br /> 3.Applkatlon of Awyments.Unless applicable law provldes otherwlse,all paymcnts received by I.ender uttder paragrapha
<br /> 1 and 2 shall be applial: first, to any prepayment charges due under the Note; sewnd.to amounts�payable under paragraph 2;
<br /> third.to intemst duc; fourth.to principal due;and lust. to any lute charga due umier the Note.
<br /> 4.ChatY{es; Llens. Borrower shull pay all taxcs. ussessments.charges.fines and impositions amibutable to the Property
<br /> which may attain priority over this Security Instnunent,and leasehotd payments or ground rents, if any. Bonrower shall pay
<br /> these obligations in the manner provtded in paragraph 2.or if not paid in that manner,Borrower shali pay @um on time dirxtly
<br /> to the person owed pay►nent.Borrower shall promptly fumish to Lender aU notIces�of amounts to bc paid under this paragraph.
<br /> If Borrower makes these payments direcdy.Borrower shall promptly fumish to[.ender receipt�evidencing the payments.
<br /> Borrower shall promptly discharge any I ien whish has pdorlty over this Secudty Insttument unless Borrower:(a)agroes in
<br /> writing to the payment of the obligaURn secur�ed by the Iten ln a manner acceptable to Lender;(b)contests in good faith the lien
<br /> by. or defends against enforcement of the lie�� in,legal procecxlings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)securcs from the holder of the lien an agreement satisfactory to Lender subordinating the lien to
<br /> this Security instrument. If I.ender detemunes that uny purt of the Property is subject to a lien which may attain priority over
<br /> this Security Instrument, [.ender may give Borrower n notice identifying the lien.Borrower shall satisfy the lien or take one or
<br /> more of tl�e actions set forth ebove wtthin 10 days of the giving of notice.
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