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<br /> TOG�'I'HER WITH el! tho improvoments now or hCreatter erxtcd on the property, and ell easements,
<br /> eppurtenances,snd[ixturea now or horeetter n part of the property.All replecements and additions shnll also ba covered
<br /> by this Security Instrument.All of the foregoing ie referred to in thic�Security Instrument as the"Property."
<br /> AORROWL?k COVENANTS thet Aorrower is lawfully seised ot tho estete I�ereby conveyed and hns the cight t�
<br /> grant and convey the Pr�p�rty and thet the Property is unencumbercd, exc�pt for encumbranca of record. I3orrower
<br /> warronts and will defend generelly the title to the Property egainet all clni me snd demands,subject to any encumbrances
<br /> uf record.
<br /> THIS S�?CURITY 1NSTRUMENT combincs unitorm cov�nents tor nationel use and non'uniform covenanta with
<br /> limited varietione by jurisdiction to conatitute a uniform security instrument covering real property.
<br /> UNIFORM COVENANTS.Dorrower and I.ender covenant aiid agreoes followe:
<br /> l. 1'aymont of Priacipal�nd lnterest;Prepayment�nd l.�te Chu�ea. Borrower shall promptly pay when due `
<br /> the principal o!and i nterest on the debt evidenced by the 1Vote and eny p�-epayment and late charga9 due under the Note.
<br /> 2. Funds for T�xes�nd Insurance. Subject tu epplicable law or to a written waiver by Lender, I3orrower shall
<br /> pay to L,ender on the day monthly payments nre due under the Note,until the Note is paid in full.a eum ("Funda")tor;
<br /> (a) yutrly taxes and asscssments which may attain priority ov�r thia Security Inatrument as a lien on the Property;(b)
<br /> yearly leasehold payments or ground renta on the Property, if any; (G)yearly hazsrd or property insuranco premiums;
<br /> (d)yearly flood inaurance premiume,if any;(e)yearly mottgege insurence nremiums, if any;end(f) any sums payable
<br /> by Borrower to I..ender,in accordance with the provisions of paragraph 8,in lieu of the payment of mortgage insurance
<br /> premiums.These items are called"Escrow ltems."Lender mey,at any time,collxt and hold Funds in an amoimt not
<br /> to exceed the maximum emount a lender tor a federally roletal mortgage loan may require for Borrower's escrow
<br /> account undor the federat Real Estate Settlement Proce3urea Act of 1974 as emended from time to time, 12 U.S.C.
<br /> S�ction 2601 et seq. ("RESPA"),unlcse another law that applies to the Funda sets a lesser amount.If so, Lender may,
<br /> at any time,coUcet snd hold Funda in nn amount not to�xcoed tho lesser amaunt.Lender may eatimate the amount of
<br /> Funds due on the basie of current data and reasonsble estimates of expcnditures of future Escrow Itcme or otherwise in
<br /> accordence with applicablc lew.
<br /> The Funds shall be held in en inatitution whose deposits are ineured by a federal agency,instrumentality,or entity
<br /> (i�icluding L,cnder,if I.ender ia six.h an institution)or in any Federal Horne Loan Aank.Lender shell apply the Funds to _
<br /> pay the Escrow Items,I.ender may not charge Borrower for holding and applying the Funds, annually anslyzing the
<br /> escrow eccount, or verifying the Esrrow Items,unlcss Lender pays Borrower interest on the Funds and applicable law
<br /> permits L.ender to meke such e chargo. Howover, Lender may require Borrower to pay a one-time chsrge for an
<br /> independent real esttitetax reporting sarvice used by L,ender in connxtian with this loan,unless applicsble law provides
<br /> otherwise.Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be roquirrd to
<br /> pay Borrower any interest or earnings on the Funds. Borrower and I,ender mey agree in writing, however,that interest
<br /> ehall be paid on the Funds.Lender shall give to Borrower,without charge,an annual eccounting of the Funde,ehowing
<br /> crodits end debite to the Funds end the purpose for which each debit to the Funds was made.The Funda ace pledg�d as
<br /> additianal security for all suma securcd by�this Scxurity Instrument.
<br /> If the Funde held by Lendcr excced the amounto permittcci to lx held by applicable law,Lender ahall account to
<br /> Borrower[or the excess Funde in eccordence with the requiremente ot appliceble law. It the amount of the Funds hcld
<br /> by Lender at any time is n�t sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing,
<br /> and,in such case Borrower ahall pay to I.ender the amount necessary to make up the deficiency.Aorrower shall make
<br /> up the deficiency in no more then tv�elvo monthly payments,at Lender's sole discretion.
<br /> Upon payment in full of all aums secured by thia Security Instrument,I.ender shall promptly refund to 13orrower
<br /> any Funds held by Lender. If, under paragraph 21, Lender shell acquire or sell the Property, Lender, prior to the
<br /> acquisition or sale of the Property,shall apply any Funds held by Lender at the time ot acquisition or sale as a credit
<br /> against the sume secured by thie Security Instrument.
<br /> 3. Application of Paymenta. Unloss applicable law provides othcrwise,all paymente rxeived by Lender under
<br /> psragraphe 1 and 2 shall be applieci: first, to eny prepayment charges due under tlie Note;sa;ond,tu amounts payabte
<br /> under paragraph 2;third, to interest due;fourth,to principal due;and lest,tv any lata charges due under tho Note.
<br /> 4. Ch�r�es; Liens. Borrower shall pay all taxes, assessments, charg�s, [ines and impositiona attributable to the
<br /> Yroperty which may attain priority over this Security lnatrument, end leasehold payments or ground rents, if any,
<br /> Borrower shall pay these obligations in the manner providai in paragrsph 2,or if not paid in that menner, Borrower
<br /> shnll pny them on tir�e ditectly to the person owed payment.Borrower shall promptly furniah to Lender ell notices of
<br /> amounts to be p�id under tJiia peragraph.[f Borrower makes these paymcnts dircetly, Borrower shall promptly furnish
<br /> to L,ender rxeipts evidencing the payments.
<br /> Borrower shnit promptly dischargo eny lien which has pridrity over this Security Instrument unless Borrower: (a)
<br /> agrces in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in
<br /> good faith the lien by,or d�fends against enforcement of the lien in,I�gal procadings which in the I.en.der's opinion
<br /> operate to prev�nt the rnforcement of the lien;or (c)secures from the holder of the lien an egrament eatiefactory to
<br /> I.ender subordineting tlie lien to this Security Instrument.If I.ender determines that any part of the Ptopr.rty is subjr.ct
<br /> to a lien which may attain priority over thie Security Instrument,I,ender may give Borrower a notice identi[ying the
<br /> lien.Borrower shell satisfy the lien or take one o: more of the ections set forth above within 10 days of the giving o[
<br /> notice.
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