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<br /> =�� TOGETHBR WITH ull the impcovements now or hereafter erected on the propeny, and aU eascments, appurtenanccs,and
<br /> '_�;;a;. fixtures now ar hertafter a part of the property, All replacements and additions shall aiso be covered by this Security
<br /> ��--- In�trument,All of the foregoing is referred to in this Security lnstrument as the'Properry,"
<br />'-ti '1'"'��`� BORROWER COVENANTS►hat Borrnwer is lawfully seised of tlie est�le hereby conveyed and has the right to grant and
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<br /> _ ;�-: convey the Property and that the Pruperty is unencumberod, exapt for encumbrances of recard. Borrower warrants an w
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<br />=�='�� defend generally the title to tho Property against all claims and demands, subjeci to any encumbrances uf record.
<br /> - `�±�'"��—= THIS SECURITY INSTRUMENT combines uniform covenents for national use and non-uniform covenana with limited
<br /> =;:�� _���� variadons by jurisdiction ro constiwte a uniform sccurity instrument covering real property.
<br /> °_,�v=�.,�g � UNIFORM CaVENANTS. Burrower and Lender covcuant and agrec as follows: �_
<br /> __ - 1. Fayment ot Princip�l And Ineereat; Prepoyment and l.�te Cluir�{es. Borrower srall promptly pay when duc the
<br /> priiicipai uf and Interest on the debt evidenced by the Note and any prepayment and late cherges due under the Note.
<br />�'M�'� 2, �nds for Twxes and In�urAnce. SubJect to applicablc law or to a written waivcr by l.cndcr, Boerower shall pay to
<br /> i�r�,�. ° l.ender on the day monthly paymcnts ue due under the Note,until the Note is paid in fu11, a sum("Funds")for: (a)yearly taxes
<br />` �����%�a and assessmcnts whlch may attain priority over this Security Instrument as a lien on the Propeny;(b)ycarly leasehold payments
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<br /> ,.�,��,j or ground rents on the Propeny, if any;(c)yearly hazard or property insurance premiums; (d)yearly flood insurance premiums,
<br /> =y.-_,�,�,:�:�; if any; (e)yearly mortgage insurance premiums, if any; and(�any sums payable by Borrowcr tu L.ender, in accordance with
<br /> ,. the provisions of pazagraph 8,in lieu of the payment of mortgage insurance premiums.These items are called "Escrow Items,"
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<br /> - -ur�. Lender may. at any time, collect and hold Funds in an amount not to exceed the maximum amount a Iendcr for a federally
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<br /> _����.:��=� � related martgage loan may require for Borrower's escrow account uuder the fedcral Real Estate Settlement Procedures Act o �
<br /> �-�� 1974 as amended fronn tim� to time, ll U.S.C, Section 2601 er scq. (''RBSPA"),unless another law that applies to the Funds
<br /> _ °"�'����' sets a lesser amount. If sa, Lender may, at any time, collect and hold Funds in a�� amaunt not to exceed the lesser amount.
<br />_',,�'� L.ender may estimate the amount of Funds due on the basis of currenc data and reasonable estimatcs of expenditures of fuwre —
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<br /> —�� — Escrow Itenis or otherwise in accordance with applicable law.
<br />-����'�'� N The Funds shall be held in an institution whose deposi[s aze insured by a federal agcncy, instrumentality, or entity
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<br />--------•—'°' (including L�;nder,if Lender is such an institution)or in any Federal Home Loan aank.Lender shall apply the Funds ta pay tlie
<br /> __�."�:� Escrow Itcros.I,cnder may not chazge Bonower for holding and applying the Funds, annually analyzing the escrow account,or
<br /> ---�= verifying the Escrow Items. unless L.ender pays I3orrower interest on the Funds and applicable law�ermits Lender to make such
<br /> __ = a charge.However,L.endcr may require Bonower to pay a one-time charge for an lndependent real estate tax reporting service
<br /> .�,�;;�,��� used by Lender in connectlon with this loan, unless applicable law provides otherwisa Unless an agreemrnt is made or
<br /> ___—_ applicable law requiros lnterest to be paid, I.ender shall not be required to pay Bonower any interest or earnings on the Fun�ds.
<br /> _ � Borrower and Lender �nay agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower,
<br /> - without charge, an annual accounting of the Funds, showing credits and debits to the Funds und the purpose for which cach
<br /> —__:� debit to the Funds was made.ihe Funds are piuiged aa asuitior�al s�:.uri:�:az.l1 eums s�czred by thi�S!'!'��rity Instniment.
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