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<br /> •�:�:�� • TOGETHBR W1TH all the improven�er►ts now or hereafter erected on the property, and all easements, _
<br /> - appurtsnances, and fixture� now or hereafter a part of the property, All replucements end additions shall also be
<br /> -���� covcred by thie Securiry Instruinent. All of tl�e foregoing is refened ta in thls Security I�strument as the "Property."
<br /> T- —'' BORROWER COVBNANTS that Horrower Is lawfully seisal of the esiate hereby conveyed and has thc right to
<br /> -'`���� grant and convey the Property und that the Property is unencumbered, except for encumbrances of record. Borrower
<br /> warrants and wpl defend generally the title to the Property agsinst all claims and demands,subJect to any encumbrances
<br />"`�^�°''�.� of record.
<br /> ---- - THIS SBCURITY IPdSTRUMBNT combines uniform covenants for national use and non•uniform covenants with
<br />�__l�� limated varlations by jurisdiction to constitute a uniform security instrument covering teal property.
<br />- UNIFORM COVENANTS. Bonower and L.ender covenant and agree as follows:
<br /> �'� 1. Paymeat of Princip�l zmd[ntenyt; PrepaYment aod L�te ChuBa• Borrower shall promptly pay when due the
<br />_���� principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under tlie Note.
<br /> �,.,,�- • 2.. F�uads for T�uces aud Inau�oce. Subject to applicable law or to a wr[tten waiver by I.ender, Bonower shall
<br /> �`==� pay ta Lxnder on the day monthly payments are due under the Note, until the Note is pald in full,a sura("Funds")
<br /> - for: (a) yearly taxes and assessments which may attain priority over this Security Instnimrnt as a lien on the Property;
<br /> ="� (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly ha7ard or property insurance
<br /> - = premiums; (d) yearly flood insurance premiums, if any;(e) yearly mortgage insurance premiums, if any; and (� any
<br /> aums pa�able by Bonowc:r to Lender, in accordance with the provistons of paragr.aph 8, in lieu of the payment of
<br /> mortgage insurance premiu�ns. 'Ihese items are called "�scrow Items." Leuder may, at any time, callect and hold
<br /> ' _= Funds in en amou�it not to exceed the maxiuiuni amount a leader for a fcderally related mortgage loan may requim -
<br /> for Bc,nower's escrow account under the federal Real Estate Settlement Procedures Act of 1914 as amendeci from time
<br /> to time, 12 U.S.C.§2601 et seq.("RPSPA"), unless another law that applies to the Funds sets a lesser amount. If
<br /> - � so, Lender may, at any time, collect and hold Funds in an aziwunt not to exceed the lesser amount. Ixnder may
<br /> estimate the amount of Funds due on the basis of curnnt data and reasonable estlmata of eapenditures of future
<br /> Escrow Itemc or otherwise in accardence with applicable law.
<br /> 'Ihc Funds shall be held in an institution whose deposit� are insured by a federal agency,instn�mentality, or entlty
<br /> (including Lender, if Ixnder is such an institution) or in any Federal Home I.oan Bank. Lender shall apply the Funds
<br /> to pay the Escrow Items. Lender may not charge Bonower for holding and applying t�e Funds, annually analyzing
<br /> --""-� the escrow account, or veritying the Escrow Items, unless Lender pays Bonower interest on the Funds and applicable
<br /> — law permits L.ender to make such a cherge. However, Lcnder may require Bonower to pay a one-time chazge for an
<br /> independcni IC3tI C9GIZC iiu iaE,u�tiag a:n;H. uo:,� hy T.;r.der in ce:ss�xtior. �vith lhi4 l�a�, �!nl�s anplicabie law
<br /> ��' provides otherwise. Unless an agreement {s made or applicable law requires interest to be paid,Lendcr shall not be
<br /> requircd to pay Borrower any interest or earnings on the Funds. Boaower and Lender miy agra in writing,however,
<br /> that inter�t shall be paid an the Funds. Lender shall give to Borrower, without charge,an annu�l accounting of the
<br /> Funds, showing credits and debiGa to the Funds and the pucpose for which each debit to tt�e Funds was made. The
<br /> , Funde are pledged as additional security for all sumc secured by this Security Instrument,
<br /> - If the Funds held by ixnder excood the amounts pernutted to be held by applicable law,Lender shall account to
<br /> Borrower for the excess Funds in accordana with the,requirements of applicable law. If the amount of the Funds held
<br /> by I.a�der at aay time ia not sufficient to pay the Bscrow Itenu when due, Lender may so notify Bonower in writinA,
<br /> and,in such case Borrower shall pay to Lender the amount nacessary to make up the deficiency. Borrower shall make
<br /> up the deficiency in no more than twelve monthly payments, at Lender's sole discretion,
<br /> Upon payment in full of all sums secured by this Security Instnunent, Lender shall promptly refund to Borrower
<br /> any Funds held by Lender. If,under pazagraph 21,Lender shall acqulre or sell the Property, I.ender, priar to the
<br /> acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit
<br /> -16°-�- aguinst the sums secured by this Security Instrument.
<br /> 3. Applic�tia�a of Prymeat�. Unless applicable law provides otherwise, all payments received by Lender under
<br />-_-- paragraphs 1 and 2 shal! be applial: first,to any prepayment charges due under the Note;second, to amounts payable
<br /> —�— under paragraph 2;third, to interest due; fourth, to principal due; and last,t� any late charges due under the Note.
<br /> 4, Qnrgp; L,iea�. Borrower shall pay all taxes, assessments, charges, fines and impusitions attributable to the
<br /> - Property which may attain priority over this Security Instrument, and leaxhold paym�c►te or ground rents, if nny.
<br /> ____ Borrower shall pay thesc obligations in the mam►er provided in paragraph 2,or if not pdd in that manner, Borrower
<br /> ---- ..,_..
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