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`J ' -- <br /> . _. /� . . ..l.-.. "_— Y� ^__. <br /> - , . ' .Y e"1'rP,4Mra�ifl�Af.a.4��� . .n i. . :.t�:-._. ..�.'-_'— <br /> ! � <br /> .. ��.,�(. ...�:�'�'�Yy«y���. . �N ` ^ �M` F.'M'y ��yy�� �` _"__._....- ��I`,�--- <br /> ;t�•K� •'..�.. 1�1w,o ��wN�'.�r.. /�I�1�.N4L. . . . . . Rrlw��l.w�.���-- <br /> 1�'n.�l <br /> _.��� g7,� �� <br /> �..r,�� /� q <br />--vt� ' 'TpCi�T'HHR W1TH nll thc improvemcnts now on c�reaftcr crectcd on ttzc property,end uU cascm n s; pp�ences, and <br /> ..:,�e� <br /> u� , fixtures now or iicreaftcr a pnrt of the property. All �cplacemcnts pnd uadition s shaU also bE crncrcd by this Sccurity InstrumcnG <br /> •}��.•,� , All of thc forcgoing is rcfcncd to fn this Security Insvumcnt ns Ihc"Property' _ <br /> .�,,;, BORROWER COVENANTS thnt Borrowcr is lnwFully sciscd of►he esu�tc hercby convcycd and has the rlght ta grnnt and — <br />,:ti;, convey the Property nnd that the Property fs uncncumbered. except for eneumbrances of record. Borrower warrants and w1U <br /> defend generally the dQe to the Propeny against all c)nims and demnnds,subJee t w uny encumbrances of recard. <br /> ;:��� THIS SECURITY INSTRUMENT combincs uniform covenants for netional usc nnd non•unlform covcnnntc with Umitcd <br />'=�': verlation9 by jurlsdicdon to consdtuto a unif'ortn aecurlty Insaument covcring rcrul praperty. <br /> UNIFQRM COVPNAN't'S.Bonowce r�nd Lender covcnaret and agree as Foliows: <br /> . - 1.Pr�yment ot Princtp�l and lnterest;Prepaymeat And LAte Cdarga, Burrower shall promptly pay whcn duc Oie - <br /> �--�-��'� pdncipal of and intca�st on the debt cvldcnceG by�ha Nota and any prcpaymene aed lato chargcs dua under U�e Note. <br /> 2.Funds for Ta�ces and Iasurance. Sulrjat w appllcabla law or W a written waiver by Lender,Borrower shall pay to <br /> `�;" Lcndcr on the day monthly payments ece duo under tha Note,unHl tha Nou is paid in full.a sum("Funds")for:(a)yearly taxes <br /> ��RiN� and essessmcnts which may auuin pdodry over�1s Securlty Insaumcnt ss a lie�on thc Property;(b)yearty leasehold payments <br /> or ground rents on the Property.if any;(c)yearly hazard or property lnsurenca prcrnlums;(d)yearly flood ins�rance prcmiums,If <br />:?+±��� any;(o) yearly mortgagc lnsurana pnmiums, if eny;end(� any sums payabloby Borrower to L.ender,In accordanca with the <br /> -= provisions of paragrnph 8, in lieu of the payrnent of matgage insurence premiums. These items are called "Escrow Items." <br /> - - Lender may,at any dmc.collect and hold Funds in an amount not to exce.cd t}zc maximum amount a lender for a federally relatcd <br /> mortgage loan may rcc;uire for Borrowcr•s escmw account unQer the fcderel Rtal fistate Sculement Procedures Act of 1974 as <br /> �� amended from time to time,12 U.S.G.Sccdon 2601 et seq, ("RESPA"), unl¢ss anothcr law that applies w the Funds sets a lesser <br /> amounG If so,I.eader may, at eny t�me, coUcct and hold Funds in an amount nat to exceed the lesser emounG Lender may <br /> -__ - :_ estimatc the amount of Fund�due on the basis o[cumnt data and reasonabk eswnates of expenditures of fuuue Escrow Items or <br /> otherwise€n accordance with applicabla law. <br /> The Funds ahell be hcld in an{nsdtudon whose deposi�ara lnsured by a federal agency,insuvmentality.or entity(including <br /> - I,ender, if Lender is such an institut[on) or in any Federal Home Loan Banle.I.ender shall apply the Funda to pay the Escrow <br /> —�' Iums.L.ender may not chtuge Bonower for holding and applying the Funds,anaually analyzing the escrow account,or verifying <br /> — the&crow Items,unless I.ender pays Bor:ower interest on the Funds and epplicable 1aw permtts Lender to make such a charge. <br /> Howover,I.endar may requirc Ba�rower to pay a one•timo cherge for an indeptndcnt real estate ta�c repordng service used bY <br /> Lender in connecdon with this loan,unless epplicable law provIdes othenvIse.Unless en agreement i.s made or applicable law <br />