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<br /> 7'OaBTHBR WITH uil the ire►�rovcm2nte no���or kereufter erected on the pmperty.And ull eusements.u�,purtenances,und
<br /> tixtures now or hem,aiter n part of the pmperey. All replucements and asididons ahnll also be covered by this ��cudry
<br /> Instcuatent.All of the foreffioing is referred to in thia S�curj�y Instrument ns the"Property." __
<br /> BORROWBR COVENANTS that Borrawer Is lawfiilly sefsed of the estnte hereby oonveyed and hns the right to gran�and
<br /> oonvey the Property and that the Property is unencurilbeYect.except for encurtt�mrtces of resord. Barrower werreante and wiit _
<br /> defend genemlIy the title to the Pto}�erty aSuinst nii clsims and demands.subjeet to any encumbrunces uf e:,coed.
<br /> TI�IS SECURTfY INSTRUM�NT combiaes►�nlform covenants f�r national use nnd non-uniform covenanta with timited
<br /> variatioas by Judsdiction to const[tute a uniform secudry tnstruraeat covering real property.
<br /> UNIFpRM COVBATANTS.Bor[ower snd Lender covenant aad agree as foUawa: �—
<br /> 1. Payment o1 Priudpal unal�Interesu Prepayment sinsl Late Charges. Bonower shal! pmmptly pay when due the
<br /> principal of and iaterest on the debt evidcnced by the Note and any prepaymeat and late cbarges due undar the Note.
<br /> 2. Tunds for Taxes aud Ins�rat�oe. Subject to applIcable Isw or w a wrItten walver by Lcnder, Borro�ver sl�all pay to
<br /> Lender an the day montlily payntents sre due under the Note.until the Note 9s paid in full.e swt�("Funds")for:(a)yeariy taxes
<br /> and auessments w6ich may attaia priorIty over this Seturlry Insht�mEnt as a lien on WB Property;(b)yearly leasehold payaaents
<br /> or�roumd renta on ehe Property,if any;(c)yearly hazard or ptap�tty insureace prem�ums:(d)Yearly flood insu:ance premiurns.
<br /> if any;(e)yearty mortga�e lnsuraieae premiums, if any; and(�any sums payable by Boaower w Lender. In accordance wltt►
<br /> the provisions of paragraph 8.it►lien of the payment of mortgage insurecice ptemiums•These items are called`Escr°w' I��s•"
<br /> Lender may. at any wne. a�Aect aad hold Fuads in an amount not to exceed the maximwn amouat a lender for a federally
<br /> related�ortgage loan may requlra for Borrower's escrow a000unt under the federal Real Bstate Settlement Procedures Act of
<br /> 1974 as amendad from dme W eImo, 12 U.S.C. Section 26Q1 et seq.("RESPA°).ualess enother law that applies to the Funds
<br /> sces a lesser amount. It'so,I.ender r.nay,ac any time,collect and hold Funds in an amount not to eaoeed the Iesser amowu. _
<br /> � Lender may estimate the amount of Funds due on the basis of currene data end�easonable estimates of expenditures csf future
<br /> Fscrow Items or otherwIse in accordance with applicable law.
<br /> The Funds shell be held in an instltution whose deposits are insureci by a federal agency. instrumentality, or enaty
<br /> (includin�L,ender,if L.ender is such an insttwtion)or in any Pederal Home Loan Ban1c•Lender shaU apply the Funds to pay the
<br /> Escrow Items.Lettder may not charge Borrower for holding und applying the�unds,annually analyzin�the esaow uccount,or
<br /> verifying the Bscmw Iterns.unless Lender pays Bonrower intemst on the F�ads aad applicable lew pertnits Lender W make such
<br /> a cbarg�.However,Lender may require Sorrower to pay a cne-time charge for en independent m,al estate tux rep�ning aen+lre
<br /> used by I.ender in connection with tl�is loan, unless applicable law pmvides otherwise. Unless un agreemeat s made or
<br /> appflcabla law requires interest to be patd,Lender sbaU noi ba requtrad co pay Horwwer anY in�r�t vr a"u�$e�n sh"Fu�.
<br /> gurrower and Lender may agree in writing.however.that imtarest shall be paid on the Funds. Leuder shall give te�o�rower,
<br /> withone.c]�arge� an annnai a000unting of the Funda. showaag ce+edits and debits to the Funds and the purposa fot w2aich each
<br /> debit to the Fuads was made.l4�e Funds ane pledged es addltional sea�rity for ail sums secvred by this Securlty ias�iumens•
<br /> If the Funds held by I.ender exoeed the amounis peraiitied to be held by applicable law.Lender shsll acwunt to Homower _
<br /> for the.excess Funds in acoordance with the i+equ9m,mems of applicable law. Yf the amount of the Funds h�ld by I..ender at any
<br /> tlano:is not sufficient to pay the Escrow Items when due,Lender may so notlfy Bomo�ver in w�ittng,and.fn such case Batrower
<br /> shall pay to I,ender the amoum necessary to make up tbe deficiency.Borcower shall make up the deficfency in no mote thea
<br /> �: . twelve montlily payments.at Lender's sole discrdion.
<br /> • Upon paymenY�xn full of alt sums secured by this Security Inshument, Lender shall promptly refund w Bosower any
<br /> Funds tteld by I.ender.If.under paragraph 21.Lender sball acquire or sell the Property.I.ender,prIor to the acquisidon or sale
<br /> of the��'toperty.s1�al1 apply any Fuuds held by I.ender at the time of acquisition or sale as a credit agaIast the su�s seGUrec1 bY
<br /> thig Secavlty Instrumen� , ,` � . .
<br /> � � 3:Applk�tion oi Paymeets�..Unless applicab�e law provides ottierwise.all paymeh�g received by I.ender u����q:�s$raPhs
<br /> 1 aad 2 shaU be applied: flrst, to�Y P�P�?�t c:harges due under the rate;seoond.�to amounts pa�+able undr.r paragrapL 2:
<br /> third,aQ inurest due; fousth.W prr�lnCiPa1 due;�►d Iast.w�iay iate charges due under�th��3�Tpte. .
<br /> 3.��harges.Lienv. Borrower:s!►al(pay aU taxes,a�ssrneats,charges.fines ansl�iri�positions ataibutable e�c,'�: ProPeriY
<br /> which:may suain priotity over tCt�s Security Insm�ment,sird T�sehotd payments or graund rents,if any. Boms��rr stiatl paY
<br /> thesa obtigattons in the wanaer pmvided'ut Par�graPh 2.or if aot paid in that manner.Borrowet`shall pay them on time d�recdy
<br /> to the peison oweci payment.Borrower sl�ap promptiy fumish to Lender�ll,nqdceg of pmounts�to be pnid uadsr tbls pa�agra�]n.:`': .
<br /> If Borrower makes these payments directly,Borro�uer shall promptly furcush w L$nder receipts evidenciag the payments. . • .
<br /> aqnower shaU prompfly discliatge am+lien which h�.s�riorlry over tlus Security Instrument unless Boaow�r:(��.aqrees in''�
<br /> writing tn the paymem of the obligation sewrad by the lien srr a manner aa:eptablc w Lender;(b)eontests in go��::��ch��en
<br /> by, or defends against enforcement of the lien in, legal piooeediugs g'hich in the I.ender's opinion operate Qo pr�vent th�
<br /> enforcement of the iten;or(c)seCUms from the holder of the lien an a�reement satisEactory to Lender subordinating the lien wm
<br /> this gevurity Inswm�en� If L�►der detemvnes that any part of the Ihnperty is subject to a lien�vbich a�ay attain prioriry over
<br /> this Security Inswment, I.ender may give Bormv�er a no6ce identifying the lien.Bnrrower shall sattsfy the lien or take one or
<br /> � more of tke aarons set fotth afmve witt�ln 10 days of the�iving of aotice.
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