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<br /> TOi',E'f�fER WITH all the improvements notv or hereafter�rected on thc praperty.and:ill w..ement�,appurtenances, and =
<br /> � , fixtures now or hemaRer a part of the pra�rty. Ati repi�c�tttent.� snd aciclitivs►, ShaEt �t'� tse cc'tec'x! h� th�-+ S��tY
<br /> � . Icutmment.A�I uf the fvregving is referred ta in this Security Instrum�nt a+the"Property."
<br /> BOARU'1)YER COVENAIY'fS that Borr»uer is lawFully�ci�rd of thc c.tate hcrehy rumey��i and ha�thc ri�L-t tu grant and
<br /> . � " convcy the Pro�scrty and that thc Pn���rty is�nencumhrrcd,e+er�pt f�ir ernumbr.�ncc�uf rr�urJ. Burmwcr uarrant+and �vitl
<br /> ' � defcnd gcnsraify the�itte to the Property againtit all claimc aitJ drroaadr,whject tu;cny enr�nshrance.of re.��nl.
<br /> 7'HIS SE�CUR11'Y I�STRU[►1�NT combinsv unifi�rm cuccaant. for�tatim�l wc and iiun•uniti,rn�covcnant.with timiteJ
<br /> • , r.�riati�m5 hy i�rirJictiun to cun�titutc a unit:2rm sccurity in.trom�nt ruccring re:►1 prupiny. ,
<br /> UN1�'O�i.�+l�OVENA;VTS.Barruu•cr and Lender mvenant anJ ugra as fi�llo4rti:
<br /> _ ,_., _�__ . ! 1, �'uprrteat af Principal and InYerc+l; Frep3��rs�ent und Laie Chacges. eorroucr .hall pmmpQy pay whcn d�e the -
<br /> � --�-.Y principal uf untt intereht un the debt eridenced by die Note and any prepayment and late charge��lue under the Nate.
<br /> �'.'°'"� ' 2, d�unt?s for Tuxes an�Insurc�tce.Subject to applicable law or to a writtea waiver by Lcnder. Borniw•er shalt pay to
<br /> �`"�°""'�� Lender on thc day monthly payments are due under the Note,until the Note is paid ia fuil,a sum("Funds")for:(a3 yearly taxes (�
<br /> �, i." and:�ssc�s�ne:rtf�w•hich may attain prioriiy o��er this Security Instrument as a lien on the Propeny:(b)yearly Irasehold paycnPnts (�
<br /> .r-.� or ground renit��n the Property.if any:tcl yearly hazard or prop�rty insurance premiums;(d)yearly fload insurance pnmiums.
<br /> ' � ��'� if any;(e)yezaly mortgage insur�u►ce premiums, if any:and(� any sums payable by Burrower to Lender, in accordatue with F1
<br /> _ ." . �. �•. • the provisionf zf patagrsph 8,in lieu of the payment of mortgage insurance premiums.These items are called"Escrow lt�ms." �
<br />`I,'�*� � Lender may,at any time,c�Slect and hold Funds in an amount not to exceed the maximum amount a lender for a fedetalty r
<br /> �' '' . . related mort�t�e loan may require for 6orrower's escrow account urxder the federal Aeal Estate Settlement Pracedures Act of ��
<br />.�+.1�: • 1974 as ameR.�ted from time to ume. 12 U.S.C. Section �6fl1 et sey. 1"RESPA"), unles�annther law that appliec to the Fur.ds w
<br />"��� f� � sets a lesser a.mount. if so. L.ender may.at any ti►ne.collect and hold fiunds in an :unuunt not to eaceed the l��er amount.
<br />"' �' . ` Lender may c:�timate the amoant of Fundt due on the basis af cuaent data and reasonable estimates of expertd'uures of future -
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<br />.;�?,<< Eserow Itea�s or otherwise in�ardance with appRcable law.
<br /> '�;�y;�'- .- _- Th� funds shall be held in an institutian whose deposits are insured by a federal agency, instricmentality, or entity
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<br />- . (iacludina G,mder,if Lender is such an institution)or in any EezEerrJ Home Loan Banlc.Leader e[�all apply'the Funds to pay the
<br /> '''�"''' , � F-scrow dtem�, z=:�er may not charge Bormwer for holding and aFplying the Fands,annualiy analyung the essrow accacct�or
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<br /> �• verifying thp E.w:s�.:-L':�ns,unless L.ender pays Borrower interest on the Funds and applicab2e[_::permits Lender to make such
<br />: i'.'r`•'� . � a charge. Ho�aever,i:.c.°r�±e�may require Borrou�er to pay a one-time charge for an independent real estate tax reportiog service
<br /> - __--_ used by T.en�er in cor.c�tion with ti�is laan, unless applicable law pTOVides utherwise. Unless an agreement is made or
<br />',�'v�f<;.' � applicable law�requires interest to be paid,Lender sha11 Trot be required to pay Borrower any interest or earrtings on the Fur.ds.
<br /> =����'`'"�''� Borrou.:r an�3.ender may agi�ee in writing, however,that interest shall be paid on ihe Funds. Lender shall give to Borrower.
<br /> -`�"�::s��.: without etultge,an annual accounung of the Fundti, showing credits and debiu'�,•the Funds and the purpose for wfuch each
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<br /> ����t•• debit to�hc Funds was mzde.The Funds are pledgad ac additional security for s::a.».:s secured by this Secur'xy Instrument.
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<br /> ,-='.�i:.i;���;•• If the Funds held by[xnder exceed the ama�:��ermittod to b�held by�i:��ble law.Ler►der sG�J+����:t�ni to Borrower
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<br /> �°���:,f.:�r�•� for the excess Funds in accordano:�:�:s1i3 the requirements of applicable law. Ii°�.�re amoun: �.':c:�:Fund�c:;;��y l.ender ai any
<br /> -� :.•,;_ time is nat z�.:Fficient to pay the Es��•.s I:zms when due.Lender may so notify Borrower i� ,j���_^.g.and,in such case Borrower
<br /> -_��=`?"F"rtr� shall tray to i_ender the amount ns�:s.�ry to make up the deficiency. Rorrotiti•er shall make :�the deficiency in no more than
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<br /> _-_:_�,� twelve momhly payca�nts.�t Lender's sole discretion.
<br /> ?�`�;+�'— U�on�ayment in f.u1' of all sums secured by this Security Instrumer.t. �a:.der shall promptly refund to Barrower any
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<br /> .:_e�.T��f�,� Funds hcf�by Lender.If r;,-:der paragraph 2l. Lender shall acquire or sell�he:?-�perty,I.ender,prior to the acquisition or sale
<br /> -_�-° '•�'�-�.• • of the Prap�:`c}+,shall aFr:y any Fun�s held by Lender at the time of acquisition or sale as a credit a�ainst the sums secw'�by
<br /> -`�'"�;�y�'+E� this S�caritn lnstrument.
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<br /> �--=<<=;,»y,--,-„�,�. 3,El�piication of I?L:��metats.t•_3ess applicable law provides othenvise,.!l ;_ayments received by Lertder under par„�:.fus
<br /> --_�;;;:� 1 and 2 shtJl be appli�i :���t.t�4;y prepayment charges due under the Note, second,to amounts payz..`1:z•:.^der paragraph 2;
<br /> - third,to interest due:f:w�r.'.�,to Fri:,�s�al due;and last,to any late charges due under the Note.
<br /> ____� 4.Ciw�:Lievs.Sorrowcr eJ;s�l;pay all taxes,assessm�-.�`. ��rges. fines and imgcc:l.ions attribu.�:::s to the Pr�percy
<br /> -r-- whicfi rr►�f•st1�+.1�Fnc�icy over this �.vrity Instrurnent. 2�i ��`a_•r`.old PaymQnts ar grour�rt ctnts, if any. Borrawer�)r.�l.pay
<br /> _•�=:�;;;,� th¢se obli����:ss ii�lt�;iTanner providcd in paragraph 2.or:�::�:�aisl in that c�.=.*uier,Borrower shall pay them on time cii,ectly
<br /> ---T�`�°'�' to the pe.►.�'..on owed payment.Borrower shall promptly furnish to Lertder all r_�:+�a::s of amounts to be paid ender this patagtaph.
<br /> ?��� lf Born�ri•r-r�akes these payments directly. Borrawer shall promptly fumish�,r�i.=nder receipts evidencing tl►e payment9.
<br /> ;,�wi-��--�-5-- Butr���:cr shall promptly discharse any lien which has priority aver this Security Instrument unless Bonower. (a)a�rees in
<br /> writing tu the payment of the obligation secured by the lien in a manner acceptable to l.ender:(b)contests in�ood faith tdne lien
<br /> ���_;=-m� by, or dePends again�.t enforcement of the lien in, le�a� ptoceedings which i:z the Lender's opinion o�erate to prevent the
<br /> __—�;��� enfarcerntnt of the li�:�t�(c)secures irom the holder of the lienan agreeme�:utisfactory to Lender su�a:rvinating the lien to
<br /> __;;T.��;.,w� this S�riry Instrumer.:.If Lender determines that any part of the Propeny is subject to a lien which tt:�..•attain priority over
<br /> ����=_.: �..� tP�is�cunty Insttument,L,�nder may give Borrrnvcr a nMice identifying the lien. Borrower�hall satisfy the lien or take one or
<br /> ��`y rrtore af the actions sQt fonh above within 10 days of thc giving oi notice.
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