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<br /> TO(lETHER WITH dl the i rove�nenta now or herafter enectod on the prnperty.and all a�at���2 .�pd ,
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<br /> f�:tur�a now or heraftcr A pvrt of the property. All replwxrt�enw wnd r.ddition� olwll alco be ooverod by this 5ecurity
<br /> lrwrumeM.All af Iho foe�eaol�g i4 rcfernai to in tblo Secu�ity Iartruraent Ar the'Property.•
<br /> BORROWER COVENANTS Uut Bonower lr lowfully�eised of 1he acUrte hereby conveyed�od haa the d�hht to�n1�nd
<br /> convey tho Pn►petty and tiuit tha Proparty ls uriencumbered.oxcept for encumbrances of neoord. Borrower wurmt�tnd wlli
<br /> defpd�enerally the title to the Prope�ty��i�ut all cl�imr and dertwnds, subJoct to any encumbrancex of reoo�d.
<br /> THIS SECURITY 1NSTRUMENT combinea uniform cavenrnts for national use And non•unifomt cove�wnt�wlth limited
<br /> variwiana by Judcdiction to corwtltute a unifarm socuriry incttumem covGring real pmperty.
<br /> �� UNIFORM COVENANTS.Borrower wnd L.endcr wvenant and agrex es follow4:
<br /> .'Y 1. P�ymeM ot Princl{wl aad lnta�at; Pre�ymeat w�d Late C6ar�e�. Bornawer shall promptlY PaY W���
<br /> principal of wid intercat an the debt evidenced by the Note an�!any prcpaymcnt and lete charges duo undcr the Note.
<br /> �,. 2. Fbnd��ot�wxes u�d lr�aurnace. Subjoct to applicable law or to a wr�tten w�iver by l.ender, Borrawer ahall pay to
<br /> Lxnder on the day monthly paymcnts ere due under the Note,until the Note is paid in full.a sum("Funds")for:(a)yauly taxeg
<br /> ud asces.wnenta which may attain priarity over this Securlty InstNment as a lien on the Property;(b)yearly leasehald payments
<br /> ar grourd cent�an the Property,if any:(c)yearly hazard or property insurance premiums;(d)yearly flood insurer�oe premiums.
<br /> if any;(e)ycatly mnrtgage in9urance premlums. if any;and(�eny sums payabla by Borrowcr to i,endcr. in acooMance wlth
<br /> the provisione of peragraph 8, in lieu of the peyment of mortgage insurance premiums.These items are celled"Bscrow Items."
<br /> ' L.ender may, at any time, collect and hold Funda i�an amount not ta exceed the maximum amount a lender for a federally
<br /> related mongage losn may require for Borrower's escrow account under�he federal Real Estate Setdement Procedures Act of
<br /> '' '''' ' � 1974 as amanded f�m time to time. 12 U.S.C. 3ection 2601 rt seq. ('ElESPA").uniess pnother law that applies to the Funds
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<br /> � � sets a lesser amount. If sa, Lender may, at any time, collect and huld Funds in an amount not to excced the lesser emaunt.
<br /> .. ������'�s; _ l..en.�er rnuy est'�nate 1he nmount of Funds due on the basls ot'current data and reasonable estlmates af expenditures of futur�e
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<br /> •°"'`".'�:"`'.`"`.,. '� Escrow liams or o�herwise in accardance with applicable law. •
<br /> �'� �'`'' '�� • �"'�°' '"``�� 'fhe Funds ahall be held in an institution whose de slts arc insured b a federal a enc instmmentali or emit
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<br /> } , , :,�;,�,�;.;s., } . �. (including[.endcr,if Lxnde�is such an instilution)or in any Federal Hame(.oan Bank. Lender shnll apply the Funds to pay the �
<br /> ;��,�+��,, �;.;��;(�;��R,(,�:;;.�:,., �, Bscraw ftem4. i.ende�may not charge Barrower.for holding and applyfng the Funds,annually analyzing the escrow account,or
<br /> ,,,v�,:�5�'� � , „.��°�.i. + � verifying the Escrow Items,unless Lender pnys Borrower interest on the Funds and applicable law permits l.ender to malce such
<br /> � :�t�;-�� %�+^":`+������u,.� a charge. However, Lender may require 8arrower to pay a one-time charge for an independent real estate tax reporling service
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<br /> • �:�;� � ��;�;•:;i������'�►: used by L.ender in cannection witb this loan, unless applicuble law provides othenvise. Unless an agrc:ement is made or
<br /> ��.���`��h,�•.\P�r�4 I� 1�cabla law re ires interest to be aid, I.ender shull not be u�red to a Barrawer an interest or eamin s an the Funds.
<br /> . . ,, ,5. ,� • PP� �W P �9 � P Y Y 8
<br /> �'� • `�° "° � "`,`^'`'�'� Borrower and I.ender may agree in writing, however, that interest shall be paid on the Funds. [.ender shall give ta HaROwer,
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<br /> �� _ ! •,ct�;,. �' withou�charge, an annual accounting of the Funds, showing credits and debits to�he Funds and the purpose for which each
<br /> ' :K." `;:'s`�`,'k�".,' debit ta the Funds was rriade.The Fuads are pled�ed a.c ndditianal securlty Por ull sums secured by tl�is Secw•ity Instrumrnt.
<br /> �'�`����' if the Funds held by l.ender exceed�he amount�permittcd to be held by Applicable law, L.ender tihull account to Borrower
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<br /> ' ��'"` for the excess Funds in acrnrdunce with the re mrements nf u licuble luw. [f the am��unt of the Funds held b Lender at an
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<br /> • • �,'� � �ime is not sufficient to pay the Excrow Items when due,Lender may w natify &xrawer in writing,and, in xuch case Borrower
<br /> �� ' " � sholl pay to L.ender the umount ncceasary to muke up thc deficicnry. &xrow�r shell make up 1he dcficicncy in no nwra than
<br /> , . , twclvc monthly payment�,ut I.ender's,ole discretion.
<br /> ' Upon payment in full �if all sum, �ccureJ by thi. S��uri�y In��runxnt, l.ciuicr shall prumptly refunJ to Bnrrower uny
<br /> .� e Fundx held hy I.en�lcr.11', unJer purugruph 21. I.rnJcr+hall aryuir�or,cU�he Pra�xrty,l.cixler,prG►r to�hc aryui,ition or w�le
<br /> � of 1he Pr��peny, shull apply any FunJti held hy I.rnder ut the time of ucyuitii�ion or wle u�a credit aguin.i the zumv xecur��d by
<br /> !i^� ' " � • � this Sccurity Intitrumcnt.
<br /> i � ' , . 3.Applicadon uf Paymentx.Unlc..upplirublr law proviJr.atherwix.�II paymentr nYCiveJ by t.�;ndcr unelrr purugruphs .•.,,
<br /> �r� ? . • I anJ 2 �hull he upplieJ: tirst. ���any prepuymcnt rhurgc.Juc under thc Nrnc: .ecnnd. a�amoums puyuble un�ler purugn�+h 2;
<br /> .% � , lhird,�n intercxt duc: fiiunh,a���������:�i au�:unJ lutil,to any lalc churgc�Juc undrr Ih�Nutc.
<br /> y .: � � 4.Clwr�es; l.iens. &xrowcr sh�ll psy all tuxc�, a,u,�mcnt�, rhurgcy, finu+und imrn�si�ionti uttribuwhle to�he Pri�pchy
<br /> . ' . whirh may attuin priority aver thi� Serurit}• Imtrunxnt, anJ leaklu�ld pay�mem. or gruund rentti, if any. &�rrower tihall pay
<br /> ' these��li�!utions in thc munner provided in paragraph 2,or if n��t puiJ in that munncr. I3��rrawer.hull pUy thrm on time dir��dy
<br /> '. - tc�thc perxm oa•cd pay�m�nt. l3orciiwcr.hall prompdy 1'urni.h t��lAndcr �II miti«,of.,muunt.t�i t�:puiJ uuJcr Ilii.parugroph.
<br /> .,, . � • If li�xrnwcr mukc.lhc.c paymcm�Jirertly. Burr��wcr,hall prumptly furni.h k.IxnJ�r rrcciph rviJcncing thc pa�•n�entti.
<br /> .�,';.:.. �, &�rrowcr shull promplly di+rliargr an��licn u•hich hu�priu�it�•u�cr thi,Scruri�� In,trunknt unleti�Borcnwcr: �u1 agr���.in
<br /> '�:;��.; : writing tu�hr p•rymem o1'thc oMlig•rtiun.erurcd by�hc licn in:� manncr aacptahlc�u I.rndir:�bl runle.h in�!iwxl fuilh thr lien
<br /> ,'' . � . �� by. ar dcl'enJs u�uinx� enfi►rrcmen� ul' Ihc licn in. I�gal pr�k�ti�Jing> which in �hc l.rnJrr'. upiniim u�ratc 1�� prcvcnt the -
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<br /> }, tr, � �,k'.' enlixcement of thr lirn:i�r Irl�crure+from thr holJcr nf Ihc licn un agr�emcnl.ali.lar�on w l.rndcr.uM�rdinating Ih�lien N�
<br /> ?t ;.'. ihis Sctiurity Imtrument. If LrnJcr Jrtenninr,Ihat am� pan of thr Pn►�rty iti+uhj�rl I„a li�n N•hich nta�• atlaiu priurily ovcr
<br /> .��� �his Sccurity In�trwncnt. l.rnJrr m•ry Ei�•c Burr�,�►cr a nnticc id�ntif�ing thc I�en. Ilurn�u��r.hall .ati.f� th� licn��r t•rkr o��i►r
<br /> ' ` morc of thc ucti�im s�:t tiirlh ut+c+ve within Ill day�of�hr gi��ing af n��tirc.
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