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<br /> W�f TOGETHBR WITH nll the improvements nuw on c�rcuRcr emcted on thc:praperty,cmd«II cnsemcnts,ilppurtC�luRCC�,
<br /> __�r;;� and fix�ures now or hereafter a part of the property. All rcplucements und uddiUon,shnll ulsa be c�wcred hy tM�Security
<br /> ---= Instrument. All af the foregoing is rcferrcd to in tMs Security Insuument u.4 thc"Prapcny."
<br />'�F!�'�,� BORROWER COV�NANTS thut Borruwer is lawfully SciseJ of the estate hcreby canvcycd nnd hus thc right to grunt
<br /> -_— nnd convey the Pre�peny uncl�hut �I�c Pru{��ty i�uueucumbeted,except far encumbr.�nc�s uf rccurd. Durrower war�ants and -
<br /> will defend generully the title to the Praperty again�t all ciuims and demnnds,subjcct ta aoy encumbranceK uf record.
<br /> 9;;,,.� THIS S�CURITY INSTItUh1ENT combines uniforn� cavenunts for nutionul use und non-unife�rm ciivenunts with
<br /> _-_r limited vnrludons by jurisdiction to constitute a unifonn secudty instrument covering rcal property.
<br /> `:��,�` UNIFORM COVENANTS. Borrower and Lendcr coveuunt nnd ngrce us follows:
<br /> -�,�°-� 1. H►yment ot Prindpd ond Interest;Prepwytnent And Late Char�es. Barrowcr sh�ll promptly pay whcn duc thc
<br />,_`'.��� principal of and Interest on the debt evldenced by the Note and any prepayment and lute charges due under the Nute.
<br /> --�-_--= 2. �uids for'lltxes and Insurance. Subject to Applicablo luw or to u written wniver by Lender,Borrower shall puy to
<br /> �— Lender on the day monthly payments are due under the Note, until the Note is paid in full,A sum("Funds")far.(a)yenrly
<br /> .�.�.� • tsu�es and assessmenu which may anuin prioriry over this Securlry Instrument as u lien on thc Property;(b)ycarly lensehold
<br /> __-�,� payments or ground rents on the Property,if any: (c) ycurly hazard ar property insurance premiums; (d) yearly fload
<br /> insurance premiums, if any;(c) yearly moctgage insurance premiums, if any; nnd (�any sums puyable by Borrowex to
<br /> Lend�r,in accordance with tho provisions of paregruph 8.in lieu of the pnyment of mortgage i�surance prerrtiums. These
<br /> items are called"Escrow Items." Lender may,at any dme.collect end hold Flmds in an amount not to exceed the m�ueimum
<br /> _ z�,�� amount a lender for a federally relnted moctgage loan may require for Borrower's• esceow account under the federal ttcal
<br />-- Estate Settlement Pracedures Act of 1974 as arnended from dme to time. 12 U.S.C.§2601 et seq. ("RESPA"j.unless unother
<br />_= _- law that appUes to the FS�nds sets a lesser amounG If so.Lender may.at uny dme,collect and hold Funds In an amount not to
<br /> - --= excced the lesser umount. Lender may es8mate the amount of Funds due on the basis of cwrent data and m,usonablc
<br /> � esdmates of expendltures of future Escrow Items or otherwise in accordance with applicable law.
<br /> _.��:a The Funds shaU be held in an insdtution whose deposits are insured by a feder�l agcncy,instrumentali¢y,or entity
<br />_---_ (including Lender,if Lender is such an inst�mdon)or in any Federal Home Lomi Bank. I.ender shall apply the FY�nds to pay
<br /> _ the Escrow Items. i.ender may not churge Borrower for holding cu►d applying the fiunds. annuully analyzing the escrow
<br /> _-- _— � account, or verifying the Escrow Items, unless L.ender pays Borrower interest on the Funds and applicable law permits
<br /> �`'` L.ender to make such a charge. However, Lender may requtt�c Borrower to pay a one-time charge for un independent�+eal
<br /> = estate tax reporting service used by Lender in connecdon with this loun,unless anplicablo law pn�vides otherwise. Unless an
<br /> agrecment is madc or applicable law requines tnurest to be paid,Lender shall not be requtmd to pay Boaower any interest or
<br /> -- eamings on the F1►nds. Borrower and I.ender may u�ree in writinq,however,that interest shall be paid on the Funds. Lender
<br /> --- shall�ive to Borrower.without charge,an annual accountIng of the It�nds,showing credits and deblts to the Funds and the
<br />• ____ � •� purpose for which each debit to the Funds wa� made. The Ft�nds are pledged as addidonal security for all sums secured by
<br /> . this Security Instrumen�
<br /> If the Funds held by Lender exceed the amounts pem�itted to be held by applicable law. Lender shall accouat to
<br /> Borrower for the excess Funds in accordance with the rec�utrements of appllcable law. If the amount of the Funds lield by
<br /> — . Lender at any t�me is not su�cient to pay the Escrow Items when due.Lender may so notify Borrower in wridng,und,in
<br /> such case Borrower shall pay to Lender the amount necessury to make up the deficiency. Bomower shall mnke up the
<br /> deficlency in no more than twelve monthly payments,at L.ender's solc dlscretion.
<br /> • Upon payment in full af all sums securcd by this Security Inswmen�Lender shall promptly refund to Borrower any
<br /> � Funds held by Lender. If,under paragraph 21. I.ender shull acquire or sell the Property.Lender.pdor to the acquisldon or
<br /> i sale of the Property,shall apply any Funds held by Lender at the tlme of�cquisition or sale as a credIt against the sums
<br /> ' secured by this Securiry Insuument.
<br /> ' 3. Applkatlon o[Paymente. Unless appHcable law provldes otherwise, aU payments received by L.ender under
<br /> paragraphs 1 and 2 shall be applied:first, to uny prepayment charges due under the Note;second,to amounts payable under
<br /> - paragraph 2;third,to interest due;fourth,to principal due;and last,to Any late chazges due under the Note.
<br /> . 4. Charges; Lleas. Borrower shall pay all ta�ces.assessments, charges, fines and imposiHons ntuibutable to the
<br /> Property which may attain priority over this Security Instrument,and leasehald payments or ground rents,if any. Borrower
<br /> sh�11 pay these obligations in the manner provided in pazagrnph 2,or if not paid in thut manner,Borrower shall pay them on
<br /> . time directly to the person owed payment. Borrower shall prompdy furnish to Lender all notices of amounts to be paid uader
<br /> this paragraph. If Borcower makes these payments direcdy,Rorrower shall promptly fumish to Lendcr rcccipu cvidencing
<br /> the payments.
<br /> Borrower shall promptly discharge any Ilen which has prioriry over this Security Instrument unless Borrower.(aj agrees
<br /> in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,(b)contests in good faith the
<br /> -- lien by,or defends against enfo��cement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien;or (c)secures from the holder of the lien an ag�eement sadsfactory to Lender subordinating the lten
<br /> to this Secntity InstrumenG If Lender determines that any part of the Property is subJect to a iten which may attutn prlorlty
<br /> _-- � over this Security Instrument,Lender may give Borrower a notice tdentifyins the lien. Borcower shall sadsfy the lien or take
<br /> - -�_-_� • one or raore of the actions set forth above within 10 days of the giving of nouce.
<br />-:j=� S. Nazard or Properiy Insurance. Borrower shall keep thc improvements now exisrinb or hereafter crected on the
<br /> -.�a� Property insured against loss by fire,hazards included within the term"extended covernge"and any other hazards,including
<br />..-::•,'-!'x- floods or flooding, for which Lender requires insurance. This insurance shnll be maintained in the amounts and for the
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