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<br /> � TOOETHBR WITH all the improvementa rtow or hereafter erected on the properry, and all easemente,appuctenances.und
<br /> x. � fiatutes aow or hereafter a part of the praperty. Atl replucertesnta uttd edditIons ahall also be wvered by thls 3ecudty
<br /> ° ' - ' Insuument.All of tbe foregaing ia referred to in this Security lastnunent es the"Pcopetry•"
<br /> BORROWHR CQVENANTSthat Qorrower ia lawfully selsed of the eatate herebycoaveyed and has the dght to grant and
<br /> convey the Property and that the Property is unencumbered. except for encumbrances of record. Bonower werracits and will
<br /> E defend geaerally the tide to the Property ngainst all claims and demands,aubject to eny encumbrance�of nxord. �„
<br /> THIS SECURII`Y INSTRUMENT combines uniform covenants for nattonal use and aon-uniform wvenants with limited
<br /> � . •.;, v�iationa by jurlsdiction to coastftute a uuifornt securlty insuument covering real prope�tgr. �-
<br /> UNIFORM COVENANTS. Borrower and Lender covenaat and ageee as followa: �+
<br /> ' ;`.` 1. Payment of Prtncipul und Interest; Prepayment and Late Chae�ges. Borrowor shall promptly pay when due the F:`•
<br /> �:,-
<br /> principal of and iaurest on thedebtevidence�t by the Nose aad aay prepayment and latecharges due under the Note. 4:;_;
<br /> Z.F�nds for Texes and Iasurance.Subject to applicable law or w a written waiver by Lender. Borrower shall pay to � '
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<br /> Lender on the day montLly payanents are due wcder the Note,until the Note is paid in full,a aum('Fuads")for:(a)yearly taxes
<br /> • aad essessments which may attain pdorIty over this Security Insuument as a Ilen on tbe Aroperty:(b)Yearly Ieasetiold payments -
<br /> • or gound rents on the Property. if aay:(a)Yearly hazard or property insurauce premiums;(d)Yearly flood insurance premiums,
<br /> . ; if aay; (e)YearlY mortgage ins�raace premiwns. if any: aad(�an�sums payable by Borrower to I.ender.in accordaace with
<br />° � 't• the provisiuns of paragraph 8,in Iku of the paymeat of mortgage insuraace prem3uaos,'I'hese items are called'Escrow Items."
<br /> • � Lender may, ai any time,coAect end hold Funds in an aznount not to excoed the inaximum a�nount a lender for a federally
<br />'� �_ � relate�mortgage loan may requin for Borrower's escmw aocount undes t�e f�+dera�Real Estate Settlement Proceduces Acc of
<br /> � 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"),unless another law that applies to the Fuadt
<br /> seta a tess�r amount. If so. Leader may. at any time.collect and hold Fimds in an uaount not to exceed tt�e lesser amaunt.
<br />- ', ' ; I.eader may eatimate the amount of Funds due on the basla of current data and rea.ganamle estimates of expenditures of future
<br /> . Fscrow Items or otttervrise in accordance with applicable law.
<br /> . The Funds shaU be held in an institudon whose deposits are insured by a fcderal agency. instrumenlallty, or entity
<br /> (indudin�Z Lender.if Leader is such an insdtudan)or in any Fodera4 Home Loan Bank.I.ender shall apply the Funds to pay the
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<br /> °"< Fsc�ow Items.I.ender may not charge Borrower for hold3ng and Applying the Funds.oaaually anaLyzinB the escrow account.or
<br /> verifying the Escrow Items,uules�LendBr paya Bomnwer intereat on the Funds and applicabie law permits Lender to make such
<br /> . a charge.Nowever.Lender may reyuire Borrower to pay a one-time charge foz an independent real estate taa repord»g service _
<br />_�.... .4�, � used by Lender in connectIon with this loan. untess applicable law provides otbwwiise. Unless an agreeinent is made or _
<br /> ;{.` ':: `y app(fcable law requires iaterest w be paid,Lender shall not be required to pay,-�3orcawa�'.any lnterest or earnings on the Fuads.
<br /> _ Borroa„er and Lender ma� at�ree in wtitiag,however.that interest shali De paid cn thc 4�1mds.Lender shall give to Borrower,
<br /> ••��`.'• ' .':--- without charge. an annual accauadng of the Funds, showing credits aad debits to the i�lmds ana me pucpose.ior w}uch each _
<br /> �� ; 'y ;.
<br /> '�':�:-,;•..;'':�';' debit to the Funds was made.The Funds are plc�iged as addidonal security for a�l�sua�s secuir,d bY this Securlty Insuvment.
<br />���:,�..<... Lender shail axouat to Bormwer
<br /> �,,,,f.��}�ti;� � I�the Fuads heid by I.endet axcced the amounts permitted co be he2d by appllcable law,
<br />�;_�,�;;s::�.;Y��';.: for 4he excess P�ads in accordanx wlth the re�luiremeata of applicable law. If the amount of the Fuada held by Leadar at aay .
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<br />--�;;,�=,�r ' tim6 9s not suffccient w pay the Pscrow Items when due.Lender may so aotify Borrower in writin8.and,in such case Borrower
<br />�-:;"`��;:'"_�;��; � s,hall pay to Lender the amouns nxessary to wake up the defioiexwy. Borrower ahall malca up the deficteacy in no more than
<br /> j;";.�,...�-=,-`•�� tarelve monthly paymenta,at Lender's sole discredon.
<br /> o'�`u"�'°t'' U ent in tWl of all sums secur8d bY this S�urIty Insuument. Lender shall prompUy refuad to Borrower any -
<br />��,;r� �. Pon PaYm .
<br />�:•�:,;�' � F�nds held by Leader.If.under paragraph 21,I.ender sball a,cquire or sell the Pmpeny. Lender.prlor to the acquisition or sale
<br />��� - �� of the Property,shaU apply eay�nds held by Leader at the time of acquisItion or sale as a credit ageinst the sums secured by
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<br />-_-.Z.���� � ti�Ia Secudry Instrument.
<br /> '-��-� 3.A tion of P�ymente.Unless applicable law provides otherwise.all paymeata reoeived by Lender under paragraphs
<br /> ----a�r:i,�� . p�� h 2;
<br />�.��__�,�,�' 1 and 2 shail be applied:fust. to anY P�PaY�t chazges dus under the Note; socond, w amountq,p$y���j�der P�S�P
<br /> --rr� ` thlyd.to interest due:fourth,to pctncipal due;and last,to any late charges due under il►e Note. '�� "
<br />�- —:_:�a. 4.Cbarges►Liens.Bomower shaU pay all te�ces.assessments,charges.fines aed imgosittons attrlbutable to the PropertY
<br /> ---�;;.:;';., which may attain prlorlty over tbfs Security Insmimeat,ancY leasehold paymenta orgroucd retus. if any. Bosrowex shall pay
<br />-�:�•__'�:,�':lii�' these obligations�n We maaner pmvided ia paragaph 2,or if not pai@ in that wanner�Borcower ahall pay them on time directly
<br /> =;-�°j•��'•`..r - to the person owed payraent.Bonower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
<br /> �:__������ � If Borrower makes these paymeme direcdy.Borrower shall pmmptly furnish to.Leader rxeipts evtdencing tha payments.
<br />=�'�_��,�� Bon+ower shall prompfly dischargc any fiea which has priority over this 3ecuriry Insmiment unless Bortowet:(a)agroes ia
<br /> _-_�'_N�;;� writing to the payment of the obligation secured by the Uen in a manner acceptable to LBnder;(b)wntests u►good faith the lIen
<br /> - ti�����.�g by. or defends against eaforcemea4 pf the Hen in. 1e8� P��Bg which �n the Lender•s opinioa opprate w pmvent the
<br />�°,-Y*'�°�'�; enforcement of the lien;or(e) sxu�es from tho hoider of the lien an agceement eat�Ctory to Lender.subordinatinB the lien.to �
<br /> -` -- `: .tbis Secudty Insuument. If Lendet.detemnines that aay part of the Property is subjat to a llen which•may attain priorlry ovea .
<br />-;�`"���`� thia Securlty Insaumem.Leadec atay give Borrower a nodce Identifjrin�the lien. Boa�ower shall satisfy tLa l�ta or txke or�ar�
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<br /> - ''�`�� more of the actions set forth atsnve witWn 10 days of the giving of aodce.
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<br /> Form SOYB �JI90
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