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<br /> 'iui)Et'I�iFR tiYiTlt aii irw i����av.:s�ts scs�cn hsrealtsr!��!r'�Hi„n�he pmpe�ty,�ill e,�r�eme�u..�unen.nces. -
<br /> �nd tixtutea naw or herr�fter�p�ut af the property. All replacerrxnts iutd�ddltionr sh�ll�I�o be covered by this Secudty
<br /> lastrument. All of the fixeYdn�is rcfurrd w in thi�Socu�ity ln�rument�u the"Pruperly."
<br /> BORROW�R COVENANT5 th�t Borruwer is lawfully sei�ed of the estate itercby convoyed and hiu the dght ta�nnt
<br /> and convey the Property uW Ihat the Pro�xny ix unencumbeted.exapt for encumbru�cec of rccord. Bocrower warrants�nd
<br /> will defend�enenlly the�itk to the Propeny�ainrt all claims and demand�.Rubject to any encumbnnces of rocord.
<br /> THIS SECURITY INS'i'ItUMENT canbineY u��ifam covc�vus for national use�nd non-unlform cavenants wlth -
<br /> litnited v�ri�tions by juriKlicUan to conuitute a unifortn�ecurity insuument coverin�tttl qaperty.
<br /> UNlPORM COVENANTS. Bortower and Lender covenant and�gree as fotlow�:
<br />- 1. P�y�aeat ot PrL�cipal ar�iaterat;Prep�ymeat�ad Lak ChuRa. Boaower stwtl promptly pxv wher�due the
<br /> princlpa1 of�nd intercst an the debt cvldenced by thc Nae and yny prcpaym:nt and I�te ch�rges due under the Note.
<br /> 2. Ftinda for 7L:es a�d Ituwr�act.Subject to applicable law or to�written wniver by I.ender.Borrower sh�ll p4y to
<br /> . I.ender on the day manthiy paymcnts ur due under thc Note,until the Note is paid in full,a sum("Hu�ds")tar:(a)yearly
<br /> taxes�nd�tssessments which may ut�in pricxity over this Security Insuvment as a lien on the Property;(b)yeuly leaschold
<br /> paymenu or ground rents an the Property. if any; (c> ycarly hazrrd a propeny insurance premiums; (d)ye,.viy flood
<br /> insurance�xemiums, if�ny; (e) yeurly matgage insurau�ce premiums. if any: and (� any sums payabk by Borrower to
<br /> Lender. in accordance with the provisians of par�graph 8�in lieu of the payment of mortgage insurance premiums. '[trcse
<br /> items are called"Escrow Items." Lender may.at any time,coUat and hold Funds in en amount not w exceed the mAximum
<br /> unaunt a Irnder for a federally t+elatcd matgs�ge loan may rcquirc for Bormwcr's escrow account under the federal Real
<br /> Estate Settlement Proceduces Act of 1974 as amended from time to time. 12 U.S.C.$26Q1 et s�q.("RESPA"),unless another
<br /> — — law that zpplia to the Fi�nds seW a lesser amount. If so,Ixnder may,at any Ume,collxt md hold Funds in an�unaunt not to
<br />- excoed the lesser umount. Lender may estimatc the amount of Aunds due an thc basis of current data and rcacorwble
<br /> - estimues of ezpenditurcs of fulure Escrow(tems or otherwise in rccordance with applicable law.
<br /> - � 71x hlind� shall be hekt in An instttutinn whase deposits arc insurcd by a federal agency, instrumeatAlity,or entity
<br />:_�• (including l,ender.if l.ender is such�n insNtution)or in any Federal Home Loan Bank. Lender shatl apply the Funds ta ps►y
<br /> - the Escrow Items. L.ender may not charge Borrower for holding uid applying the Funds, annually analyzing the escrow
<br /> account.or verifying the Escrow [tems. unless L.ender pays Borrower interc�t on the F�nds and applicable lxw permits
<br />-- l.ender to makc such a charga Howevcr,Lender ms►y requin Borrowcr to pay a one•time charge fa nn independent real
<br />- est�te tax rcporting servicc used by L.ender in cainection with this loan,unless appticable law provides otherwise. Unless an
<br /> agmement is madc or applicabte law rcquires interest to be paid,Lendcr shall not be�+equircd to pay Borrower any intercst or
<br /> ;;-� earnings on the F�nds. Bcxrower and l.ender may agroe in wnting.however.that Interest shall be paid on the Funds. L.rnder
<br /> -- shail give ta Aorrnwer,without charge,an annual accounting af ttie Fi�nd.s,showing rnedits and debits to the Funds and ihe
<br /> __ purpose for which each debit to the Punds wes made. The Fwids arc pledged as additional security for all cums cecurcd by
<br /> . _- ,x., thic 5ecurity inswmern.
<br /> If the Funds hetd by Lender exceed the umounts permined to be held by applicable law. Lender stull account to
<br /> �;''�, � •� Boemwer for the excess Funds in accordance with the requirements of applicable law. if the unount of the Funds held by
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<br /> t�,�. Lender at�ny tlme!s ncx sufficient to p�y the Escrow Items when due.Lender may so notify Bomower in writing,and,in
<br /> �'•,�. ��`���. such case Barrower shall pay to Lender the amount necessury to m�ke up the deficiency. Bamwer slwll make up the
<br />�;; � ,�°.' deficiency in no more than twelve monthly payments,at Lender�s sole discretion.
<br />-�°,;�, Upon payment in full of all sums secured by this Security Instrument.Lender shall promptly refund to Borrower any
<br /> v" "'' ' Funds held by Lender. If,under parograph 2t.Lender shatl acquire or sell the Propeny,Lender,prior to the acquisition or
<br /> ' ���� sale of the Pr shall a I an Fnnda held b Lender at the time of ucquisition or sale u a credit against the snms
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<br /> _ securcd by this Securiry Insdument.
<br /> - 3. Application af Payments. Unlesti applicnble law provides atherwise,all payments received by Lender under
<br /> - J ��-<�� ''. pangraphs 1 and 2 shall be applied:first,to any prcpayment chuges due under thc Note;sccond,to amounts payaUla under
<br /> y �'� :".,,' ' �'` patagraph 2;ihird.to interest due;fourth,to principal due;and l�st.to any late charges due under the Note.
<br /> � ,'�:•�#��,;�� 4. Charges; Liens. BoROwcr shall pay all taxes, assessments.chargcs, fines �nd impositions attribuuble to the
<br /> ��'��" ' j PropeRy which may anain priority ovcr this Sccurity Instrument, and Icasehold payttients or ground rents,if any. Borrower
<br /> � L�;a;���V�vrua.,.
<br /> � '�`5�,�"a��.�� shall pay these obligations in the manner provided in paragraph 2.or if not paid in thet manner,Borrawer shall pay them on -
<br /> time directly to the person owed payment. Borrower shall promptly fumish to Lender all notices of xmounts to be p�id under
<br />�j , , �U„_,�� • ihis pamgraph. lf Borrower m�kes these puyments direcUy,Borrower shall promptly fumish to Lender receipts evidencing
<br /> . ��. .t-.�. thePaYments.
<br /> '�''��.:�:: Borrower shall promptly dischargc any lien which has priority over this Serurity Instrument unless Borrower:(a)agrees
<br /> r:,�':•=`-`' in writing to the payment of the obligation s�.�cured by the lien in a manner acceptable to Lender,(b)contests in goai faith the
<br /> -- lien by.or defends against enforcemcnt of thc lien in,le�al praccedings which in thc Lender's opinion operate to prcvent the
<br /> _ ---- ��r,- enforcement of the lien;or(c)secures from thc holder of the lien un agreement satisfactory to Lender subordinating the lir:n
<br />- -���" to this Security Insdument. If Lender determines that any part of the Property is subject to a lien which may attain priority
<br /> ----;�;:�:.-� over this Securiry Inswment,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy tho lien or take
<br /> -_ �'��or'�:� -�' ono or more of the actions set fath above within 10 days of the giving of nocice.
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<br /> -' ��=�� S. Haurd or Property Insurance. Borrower shall kecp thc improvements no�v txisting or her+eafter erected on the
<br /> �k:�;y. Property insurcd against loss by fi�c,hazards included within the tem�"extended covernge"and any other ha�rds.including
<br /> - floods or flooding,for which Lender requires insurance. This insurance shall be maintained ia the amounts wnd for the
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