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UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: <br />201706667 <br />BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the <br />right to grant and convey the Property and that the Property is only encumbered by a First Security <br />Instrument given by Borrower and dated the same date as this Security Instrument ( "First Security <br />Instrument "). Borrower warrants and will defend generally the title to the Property against all claims and <br />demands, subject to any encumbrances of record. <br />THIS SECURITY INSTRUMENT combines uniform covenants for national use and non - uniform <br />covenants with limited variations by jurisdiction to constitute a uniform security instrument covering <br />real property. <br />Page 2 of 12 HECM Second Deed Of Trust- -2015 <br />