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<br /> TOCiE'I718R WiTN all iba improvemci�a now or hereaftac a�ectod on the prapw�y.w�d�I womont��+ppurusnwiccc� :_
<br /> --- �ad fi�cdu�taw or beratiter�part af ihe p�+epcAy. All apl�cemenu and�ddfdon��h�ll�!w b cuvaed by tLf�Sxurity : .
<br /> _ _ Inwumao� All af t6e forc�olnR L refenod to in ti�Securiry Inwument u tbe"PropeAY•"
<br /> BORttOWBR COVENANT3 thAt Bomowor h 1�wWlly soi�o(�he e�ute hereby c�nvoyed�td Iw the riQht to�rant �
<br /> and convey the Propaty�nd Uut tha Property is wKncumbemd.exa�pt for eticumbrat�co�of rocad. Bornowa w�rtantr�nd —
<br /> wjU defend generally the titlo w tho t�roperty aQaiiut all eWm�and demando.wbJxt w�ny encumbru�ces of rocad. -
<br /> TH[S 3ECllR17'Y INSTRUMBIVI' combina uMform covenanb for noUotw! u�o �nd non-uniform covenanta wiih
<br /> 1Lnitod varixtions by jurisdictlon to consdtute�unitorm�ecudty inauumen�covorio�neal propeny.
<br /> —'- UNff(yttM COVBNAN7'S. Horrower aad Leadcr covenant and agnee ar foliow�: -
<br /> i. P�ymer�t o[Princlpl�ad late�sti P�Y�nt�ad l.nte Chsr�a. Ba�mwcr�Iwll P�'omP�Y poY when due the =
<br /> �;'ur of and iatenst on the debt evidrnced by the Note and any prcpaymant and Irto chn�ca due under tho Noto. -
<br /> ��Fbnds for 7yuoeo wd Iowrance. Subject to opplical�le law or to s written waiver by Lender.Borrower ahall ppy w , -"
<br /> Lender on the day rnonthly payments are due under tho Note.untll the Note ia paid in full,a sum("Punds")Por.(a)y�y -
<br /> — taxeu ami a�a�ment�wh[ch may attein prioelty ovcr thic�ccudry Instrumcnt as n licn on thc PropMy;(b)yauly Icexhold �
<br /> - - = paymeats or�round rents oa the Property. if any; (c) Yearly hazerd or pcoperly insurance promiums: (dl yearly Ooad -
<br /> �"".�'�"�°"�°'�°'; iasurauce premtums,if any: (e) Yearly mortgage insw�ance premiums, if any: and(� eny sums payoble by Bomower ta _
<br /> Leader,in accordance wlth the pmv�sions of paragraph S,in lieu of thepoyment of morigugo insurwice premiums. Thase =
<br /> — items ane called"Escrow Items." [.ender may,at ony time,collut and hold Funda in un um�wnt not to exceed the maaimum
<br /> amount a leader for a federally releted mortgege ban may requine for Sonower's escrow account under the fedoral Real -
<br /> - �state Settlement Procedur�Act of 1974 as arttended from t�me to time.12 U.3.C.4 2601 et seq.("RL�SPA"),unless anotber
<br /> — �aw that applies tci the F�ads sets a lesser amaunt. U so,Lender may,at any time,collect und hold Pundy in an wnount nat to _
<br /> excad the leaser amount. L.ender mey esHmate thc amount of Punda due on !hc basis of cutrcnt data and roasonabl�
<br />- �::;<,';t:,.L.�',"�,�'�,'` i esHmates af oapenditums of futune Escmw Items aotherwise in acc�rdance with appiicubie law. _
<br /> ��''%-r�{���' " ` � The Flinds shaU be heid in an instltutian whose depositx are insurcd by a federal agency, inauumenWity.or entiry -
<br /> � ��%;���: .I (including I.cnder,ii Lcndcr is such an institudon)or in aay Federal Home Loae Aank. Lendcr�hull apply the Funds ta pay
<br /> ,.�.:�;'�,;�;.r .., , � Ihe�scrow Items. Lendar may not charge Borrower for halding and applying the fi�nds. annuully nnalyxing the escrow _-
<br />- • � •� eccount, or verifyfng the Escrow Items, unless Lender pays Borrower ioterevt on the FLnda und applicable law permits =
<br /> 'w� . Leader to make such a cherge. However. Lender may require Borrowcr to pay a one-time churge Por an lndependent r+eal _
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<br /> ;.�,,`�,,�•i•, �� estete teu�+eporting service used by Lender in connecdan with this loan.unlesx upplicuble law pmvldes otherwise. Unlacs nn
<br /> �.,�f��. ..�.y� agreeraent is made ar applicable law requfres interest to be p�id,Lender shall nat bc rcquired to pay Borrowcrany intere�t or
<br /> 1''•�T,�,{!;.�%�- earnings on the FLnds. Barrower and Lendcr may�gree in wnUng,however.thut intcrest shull be puid on thc Punds. Len�ar
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<br /> ' ..y,��;,;�.�� .�,: give to Borrower,wlthout ch�ge,an a�ual eccoundn of the Funda.shawin rredits ond debits to the h1mdF und the
<br /> ��:<'.•l� purpose for whieh each debit to the Funds waa rnade. The Pbnds are pledged As additianal security for ull�umx secured by _
<br /> ." .�:''':x�'.�,s�� thiaSecurity Inatrumem. _
<br /> If the Wnds he[d by I.ender exceed the amounts permitted ta be held by applicable luw, l.ender sholl uccounl•tii
<br /> �• — - �_�— Borrower for�he exceas Funds in accordance wi�h ti�C reyuireuients aT appikablc law. f!'ihc amousti o!'!h�Futsds!ttld b)
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<br /> '`��" ' Lender at any time Is not sufficient ta pay the Escraw Items when due.Lender may so notify Bortower in w�itfn8,And,in =
<br /> ' such case Bo�rower shall pay to Lender the arnount necessary to muke up the deflclency. Borrawer shull mpke up tha
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<br /> �'r"16•'��''��`�� ' deficiency in no more than twelve mon1hly payments. a�L.enders sole discretion.
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<br /> r�� 1°.. Y'°.� �.�'"•, Upon payment in full of all sums secured by this Security Instrument,Lender shull prompdy refund tn Burrowor uny
<br /> � ;�"�"���'' �� �' Funds held by Lender. If,under paragraph 21, l ender shall ncquire or sell the Properry,Lender,prior to thc urqui►�idun ur
<br /> ''��"��� `,' ,•��:i; sale of thc Property,sbap apply any FLnds held by l.cndcr At�he time of ucquisition or sale as a credit ngvintit tha sum�
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<br /> ,,�„�,,;,,, ,. � secured by this Security In�trument.
<br /> � � . �����' 3. A IicaUon of Pa ments. Unless u ics�ble luw rovides otherwisc, all a mentx received b Lender under
<br />� •�:.rd:��. .:t,;.,s PP Y AP� P p Y Y
<br /> ,,,.,�..,;,,��� psuagraphs 1 and 2 shall be applied:first, to any prepAyment churges due under the Note;second,to amountti payablo undor �
<br />- .- �;�.•p paragrnph 2;t�ird,to fnterest due;fourth,to principal due;and lasl,to any late churges due under the Note. ■
<br /> "�°�:' ` 4. Chqr�es; Liens. Borrower shull puy oll taxes, ascessments, charges, fines und impositions atuibulablo tu �he °
<br /> S''"• '�•°'~'� •� Property which may attain priarity over this Security lnstrument,and leusehold puyment,or ground rents,if uny. Burro���ar -
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<br />- " . .��.•••. , shall pay these obligations in Ihe manncr provided in parugroph 2,or if not puid in thnt manner,Borrower shall pay them un _
<br /> :�, : ';�<��� time directly ta the person owed puyment. Borrower�huli prompQy furnish to Lender all uutices uf umuuuts to be paid utxler ��
<br /> ° � ���« -� •� -: this paragraph. If Borrower mekes these paymenis dircctly,BoROwer shall promptly furnish ta I.ender receipix evidencing °�
<br /> • ". �'`.:... Ihe payments.
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<br /> � �, ,. . Borrower shell promptly dischtuge nny lien which hac priority over this Security Instrument unless Borruwer.(u1 agrces
<br /> ^ in writing to the puyment of the obligutian�ecured by �he lien in a munner ucceptable to Lender;(b)contests in g«�d fuith 1he
<br /> �. lien by,or defends against enforcement of the lien in, legul proceedings which in the Lender's opinion operute�o prevrm�hr _
<br /> � enforcemen't of the 11en;or(c)securc�from the hdder af the lien an agrecment sntisfactory w Lcnder xubordlnuting thc flen -
<br /> " ' �e to this Securlry Inr�trumenl. If Lender determines�hut ony purt of'the Property is subject�a o lien which muy uttuin priority
<br /> over this Secudty Inatrument,Lender may give Horrower u no�ice idenlifying the lien. Bo�mwer shull xutiwfy�he lien ur tuke �
<br /> ` ,�.� " ' one or more of the actions set forth uhove within IOdays of�he giving of notice. _
<br />� ;,,,.,. . � �,. . ., 5. Hazerd or Property Insurance. Borrower shull kcep thc improvcmentti now cxi+ting or hereaf�cr cc��teJ un�hc -
<br /> Property insured against lo�s by fire,h;u.ards included within the�erm"ex�ended covernge"unJ uny other hwardx,inrluJing
<br /> r .. ,. floads or flaoding, for which Lender requirex inwrance. This insurance shall be maintuined in the amnunl�c und tiir Ihr �
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