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T;ri A�ar...�� a�. ..,� .. ;..i.:. '' �_..� �`� .� -•'-----` ��t�rr�t -.�':� ::t _. - _��—ier.taritd.�.� -- - - _ ., --,_ �� __:� ,, �_ 91-- 1054�2 - T0C3ETHER W[TH ell tha impravemente now or henaRer erected an the prdpeRy.and all ewsements.appurtenance�. --� --- �nd fixtw+e�now or here�iier a purt of tho proPercY. Alt e�eplacementa�nd additionr�hall da be covaed by 1hi�Securily _ initrument. All of tha fore�oing is referted to in thi�3ecurity Inrqument�a the"Property." BORROWER COVENANTS that Borrowcr ia lawfully seiscd of tho estate hercby conveyed and has the rfght to gdnt and convoy the PropertY and ttw�Ihe ProP�hY ia unencumbered.except for encumbrances of record. Eorrower warr�nt�+�d will defend gene�lly the titla to the PropertY+�8��pll cl�ims and demwids.subJect to any ancumbranas of rocmd. -- — ""'�" -' THlS SECURITY INSTRUMENT cumbines unifom► covenenta for nation�! use and rpn•uniform covenenta wfth � ------------ �indted verf�dons by jurisdic�ion to constitute a uniform cecurity inatrument covering real prupertY• UNIFORM COVBNANTS. Borrower and Lendc�r covenant and agra as follows: 1. P�'mept of Pe�IndpW Aad Intere�t;Preps�yment and Lwte Clwr�e9. Bonower shall promptlY paY when due the — pdnc� of and interest on the debt evidcnced by the Note and any prcpuYment and late chargea due under Ihc Notc. � �nds for'lbxee w�d Insuranca SubJect to applicable law or to a wrltten waiver by l..ender,Borrower shall pay to Lender on the dny monlhly payments are due under the Note,until the Note is paid in fuli.a sum("Funds")for.(o)yearly - - {�� ..- texes and assesaments which may attain prfodty over this Secu�ity Instrument as a Uein$� ep►'��ums:�(dj rYcsuly tlhood - paymentR or ground rents on the Property, if any; (c) yeady hazard or pr�perty suma a able by Borrower to -----_— v:`;i insurance premiums. if any: (e) Yearly mortgage lnsurance premiume, if an ; a�d (� anY P Y - _ _ - Len�ler,in eccordonce with the provlsions oF paragrnph 8.in lieu of thepayment of mortgage inaurence premiums. These ""- items are called P.scrow ltems. I.ender may,at eny Nme.collect and hold Fuuds in an amaunt not to exceed dxs maximum � .�+� N 11 ..� a�nwunt a lender for a federally releted mortgage loan may require for Borrower'a escrow account under the federal Real -�� Eilate SeqlemGnt Procedures Act of 1974 as amended from timc to dme.12 U.S.C.$2601 et seg.( RESPA ).unless another „ � —� -- -' law that applies to 1he Punda seta a lesser amoun� If so,l.ender may,at any time,collect and hdd Funds ln an amount nat ta -�=.',;� exceed �he lesser amount. Lender may estimate the arnount�P Funds due on th� basis of current data and reasonable ` `.:..� esdrnwtes af expendltures of futura 6scrow Items or otherwise in uccordence with appl��ud�:law. , - _--��'r�?'�'' ''' The Funds shall be held in an instltudon whose depocits are insured by a federai agency, instrumentality. or enuty _ ._._t�� , • (including Lender.if Lender is such an institution)or in eny Federel Home Laan Bunk. Lender shnll epply the Fun to pay o �='_�� the Fscrow Items. l.ender may not charge Horrower for holding and applying the Funds.ennual�Y analYzing the escrow °;�:,;:y�>;,. : axaunt. or vcdfying the Escmw Items, unleas l.ender pays Borrower interest on the Funds an�J applicable law permits �_,M;�:.`°:_� Lender to make such a charge. However.L.ender may require BoROwer ta pay a one-time chacge for an independ�;nt rcal estat�tax reporcing service used by l.ender in connecdon with this:oan,unless applicnble law providea othcrwise. Unless an ,-��.,;�:� agreement is made or applicable lew requires interest to be paid,Lender ahall not 6e required to pay Borrower any interest or ?� �� euninga on the Funde. Bomowar and L.ender may agree in wriling,however,that intcrest shall be paid on the Funds. Lender ��:,w••::�.., . • � shall give to Borrower,without charge,an annuei accounting of the FUnda,showing credita nnd debits to the Funds and t e ="`"�`-_� purpose for which each debit to Ihe Flmds was made. The FUnds are pkdged t�s additiatal secudty for all sums se�cured by �f' ,� this Security Inst�um��t. �'��'��l!�`�: ��` If the Funds held by l.ender exceed Ihe amounts permined to be hcld by applicable law. Lender shell account to '''�''''�:' Borrower for the excess FUnds ln accordance wilh the requirements of�pplicable Isw. If the amount of the Funds held by ..-. . .. . u � `'°�"�1-�"'��°� � Lender at any timc is not aufticient ta pay the E.gcraw Items when due,Lender may so notify Borrowcr in writing,and,in _-==�:N.r� such case Borrower shall pay to Lender the umount necessary to m a ke up t h e deficienc y. Borrower shall make up the •�'s;"�r� deticiency in no more than twelve monihly paymenta,at L.ender s sole discretion. -�_._ . I.ender shall promptiy refund to Borrower ony -