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<br /> TQf3BTHSR WITH�II Ihe impravema�a now or henq�fkr ercctod on�Property,aM�Il�� �nd
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<br /> fiatura now or heue�tker a p�u�t of the prnpeny. All rcpiwcementa and addition� c�wll d�o bo oovered by lidr Secudty
<br /> Ia�pum�nt.Ail of tha fore�ain�fa roferned to in lhir Secudty lnununent ar the'Property."
<br /> �ORROWER COV6NANTS thu Borrower is lawfully iei�od of tho esate hercby conveyed and lw tho dgbt.to�nnt�nd
<br /> c�onvay Iha Pro�etty md thu the Property ia unencumbered. excxpt for encumbrancea of rocord. Borrower war►anu and will
<br /> defend ga�erally tha title ta the Propeey agoi�ut afl cl�ims And demande.aub�ect ta pny encumbrnnces af rc�oM.
<br /> TNIS SBCURITY INSTRUMENT cambinca uniform covuwnt�far nuional u�e And non-uniform oovenonta wlth limltod
<br /> varl�tions by jurisdiction to wpstituto p uniform security instrument wverfng real property.
<br /> UNIFURM CUVENANTS. Borrower end l.ender covenant ond a��e as follows:
<br /> 1. PAymqit o�PNtkipd aud lateKSfi �p�3'��ut �nd I.Ate Ch�r�a. Bormwer shall promptlY paY when due Ihe
<br /> principal of wx1 intareu on 1he debt evidenoed by the Note ond any prepayment a�d late charges dua under tho Note.
<br /> Z.�ad�ior Taz��nd Incur�noe.Subject to applicable law or to a wdtten waiver by Lender, Borrower shall pay w
<br /> L.encler on tha duy manthly paymcnts am due under the Note.until the Notc is paid in full.a sum("Funds")for:(a1 yearly laxa `
<br /> and assessmenta which may attain priorlty aver Ihia Security Inslrument as a lien on the Property;(b)yearly leasetald payments
<br /> or ground renis on fh�Pmpetty. if Any;(c)yearly hazaN ar propeny lrisurence premiums;(d)yearly flood insurance premiutns,
<br /> if any; (e)yearly mortgego incurance premlums, if any; and (�any sums payable by Borrawer to I.ender. in accordance wi14
<br /> the provisions af pnragraph 8.in Ifeu of tha payment of mongage insuranae premium�.These items aze called "Escrow Items."
<br /> Lender may.at any time, rnlloct and hald Funds in an amount not w exceed the maximum amount a lender for a fe�crally
<br /> rcl�ted mortgage loan may require for Borrower's escrow account under the federal Real Estate Senlement Pracedures Act of
<br /> 1974 as amendad from timc to tirne. 12 U.S.C.Section 2b01 eJ seq.("RESPA").unles.v anather law that Applies to the Funda
<br /> ;�.; �ete e Iesser amount. if so, Lender may, at any time, collect and hold Funds in an amonnt not to exceed the lesser amount. __
<br /> ; ° Lerdcr may estimate the umount oi'Funds due on the basis of cument data and reasonnble estimates of expeaditures of future
<br /> ±'..r F.cerow Items ar otherwise in accordance with applicable law.
<br /> The Funds shall be held in en institution whose depasits are insured by a fecleral agency, ins►rumentality. or entity
<br /> (including Lender,if Lender is such an instiwtion)or in any fiederel Home l.oan Banl:. Lender shall apply the Fuaids to pay the
<br />;t;�� Escrow items. i.ender rtu►y not charge Borrower for holding and applying the Funds.r�nnually analyzing the escrow account,or
<br />�:;, vedfying the Bscrow Iterns.unless l.e�der pays Rorrawer intarest on the Funds and applicable law permits L.ender to make such
<br /> a cherge. However. Lender may require Harrower to pay a one-time charge for an independent real estate tex reporting service
<br /> = used by I.ertdar in connertion wilh this ban, unless applicable law provides otherwise. Unless an agreement is made or
<br /> , �pplicable law requires interest ta be pafd.l.end6r shall not be required to pay Borrower eny interest or earnings on the Funds.
<br /> - ; Borrower and Lender may agree in writing, however. that interest shall be paid on the Funds. L,ender shall give to Borrower.
<br /> -:;`:��� � _ _ _ without charge. an ennual eccaunting of�ha Funds, showing credits and debits to the Funds and the purpose far which each
<br /> ��'��� debil to the Funds was nrade.The Funds ara pladged as additional secu�ity for all sums secured by Ihis Securfty Instrument.
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<br /> ��'.�:�;:�'. ;_i�r� If tl�e Funds held by l.ender eaceed the amcwnis permitted to be held by applicable law,Lender shall uceaunt to Borrawer
<br /> '• for�he excess I�unds in uccordance with tha requirements of applicable law. [f the arn�unt of tha Funds held by Ixnder at any
<br /> - i " � � time Is not sufficient to pay the Escrow Items when due,I..ender may so�otify Borrower in wrlting. and.in sunc�ase Borrower
<br /> ahall pay ta Lender tho amount necessary to make up the deficiency. Bonower shnll make up the deficiency in ao more tban
<br />._:;;'. '� twelve manthly paymems,at L.ender's sole dir.crction.
<br /> ��, ��` Upon payment in full �f all sums secured by this Seeu�ity Instrument, l.ender shall promptly refund to Borrower any
<br /> �.': y P � P 9 Pe Y• P � 9
<br /> .�::-t,;�'� Funds held b Lender.lf,under ara rn h 21, l.ender shnll uc uire or seU the Pro n L.ender, nor to the uc uisition or sale �,
<br /> ►'r of the Property. shall apply Any Funds held by I.ender at the time af acquiaition or sale as a credit against the sums secured by
<br />�;e�;, ;�;�1.�; thisScrurity Instrument. G�..
<br /> �x''.� �;--�� 3.A licadon otP'n ments.Unies�c a h�uble law rovides otherwise,ull u ment�received b L,ender under
<br /> _ .� � i. PP Y PP�' P P Y Y P�Sraphs
<br /> �`rj�`� I and 2 shall be a lied: firvt,to an re ment rhur eti due uncler the N�xe; second, to anwunts a able under ara ra 2;
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<br />,, �,�1•, -_,,.��:-.�--�-.� third,to inlenest due; fourth,toprincipal due; and la.vt,m any late charges dua under the Note. c=.
<br />-,,. '^�' ^�~^•"� 4.Ch es;Uettg. 8orrower shall all tux�.assessments, chur e� fines and im sftions anrlbutablr to che Pra n
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<br />--� h 4r�..; , which mu uttaio riorit rner this Securi� lnstrumcnt, and leaisehold r mem� or round rems, if an . Borrower shall a
<br />��°�" �� •'M'r.-�ir'•:v these obli ations in the manner rovided in uru ru h 2,or if not aid in thut munner, Borc�iwer�hail a �hem on time direcd R
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<br /> ''�' � � - to the person owed payment. Borrower shall promptly furnitih to Lcnder ull nntirc�of unx�unts to bc paid urxier this parugraph. F:
<br /> ����.'° If Borrower malces these a ments directl Borrowrr.hull r�im N furni,h to l.ender recei Is evidencin the u ments. �--
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<br /> ;:'. �<•'�'" Borrower shull promptly discharge uny lien which ha�pric►rity�ivrr thi,Sccuriry Intitrunxnt unle+s Borri�wer: (a)agrees in �
<br /> .`� '"�'� wri�ing ro the payment of the abligu�ion securecl by�hc lien in u munner ucreptahlr tu LenJer.lbl contests in good fuith the lien !'-
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<br />_':; � •- -',:,� ..; by, ar defends n�ninst�uforremem i�f thc licn in, Icgal prcxcedings which in thc Lcnder'� ��pinion operate t�i prevent the �
<br />_=;:;? �.� . enforcement of the lion; or Ic)securc�from�he haldrr of�he lien nn�igr+�ement uai.l'uctory to l.ender xuM►rdinu�ing the lien to r=
<br /> � ,,• this Securit lnstrument. If l.ender Jeterminr� Ibut an .�n af thr Pra n i.,uh'ect ta a lien which ma uttuin norit over 4
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<br /> - ' 'a.�..u.. � :.-.,. this Sewrity Instrument, L�:nd¢r may givc&�rrowcr a niiticc idrntil'ying thc licn. Borr�iwcr shall sutisfy �hc licn or�uke one or —=
<br /> .. � _ • '. more af the actions set fonh above withln 10 duy,ol'tlic giving ol'noti��c.
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