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<br /> '['OC18'[HF�t WITE��il the improvemena now ar heneatta erocted on the pnoQa'ty,and�11 asameaa,�ppue�en�nca�
<br /> .- - �nd tiztw�es now a neeafter a prt oi�he propeny. w3i npi�wc�r�o+��.�:�tf�t:�!4:tx�tarsr�s!b;t3sf!'�!!� -
<br /> lnrtnrr�ent. AII ot the fore�oin�ii tefarod w in thit Secudty Instnunent ac the"ProQaty"
<br /> BORROWP.R COVENAM'S th�t Borrower is lawfulty uisod ot the eatue heoeby convayed and has ihe ri�ht w�rant
<br /> �nd eonvey the propa'ty�nd ttuu the t'r�WxnS'is unencumbecod,oxapt for encumbn�es of cecord. Barnwer wurants�nd
<br /> will defend�akrally the dtk w the 1'rope+ty nYdnu�Il cla�ou�nd demmdi.iubjoct a any encumbr�nces of rocord.
<br /> ��.—.�.�--�r THIS SF.CURTfY iNS'[RUMENT �ombirties ur�tfam covenanu fa nxtlon�l ure and non-unlform covawur with
<br /> ljmlted vui�dau by Judsdiction to coiudtute a unifam Kcudty incaument covering real propony.
<br /> — IJNIPORM COVENAN'f9. Horrower uid Lender covenant and agree as follaws:
<br /> 1. Paywkat o�Prhdp�l a�d Interestp PreeWYraeat aad Late C6ar�u. Barmwer sh�ll promptlY WY when due the
<br /> pcincipal of�nd interc�t on the debt evlcknced by the Note and�ny prep�yrt�ent and late charges due un�ler the Note.
<br /> 2. Fiu�tor'I1uca aad Inwrance. Subjoct to appltcAble law or to a writtcn waiver by L.ender.Borrower shall pxy w
<br /> Lender on the day monthly payments ue duc under the Note,until thc Note is paid in full,�sum("Punds") for:(a)yeuly
<br /> uzas�nd acaessmenW which may aitain prioriry ovcr this Secudty Instrument as a lien oa the Pmperty;(b)ye�u�ly le�sGhold
<br /> ' payrnents or gound rents on the P�upertY, if any: (c) Year1Y hazard or property Inaurance premiums: (d) yearly flood
<br /> insuru�ce pcemiums, if eny; (e) ywriy mort�age insunnce premiums, if any; and(�u►y sunw payable by Borrower to
<br /> Lender.in aoco�dance with the provislons of paragcaph 8,in lieu of the payment of mortgage insurance prcmiums. 'It�ese
<br /> , item�an called"Escrow Items.' Lender may,at any t�me,collect and hold Phnds in an amount rat to excad the ma�cimum
<br /> _:_ amount a Irnder fa a federapy �elated mottgago loan may requiro for Borrowerl�escrow account under the Feder�l Real
<br /> Esuue Settlemcnt Procedurc.s Act of 1974 as xmended from dme to dme, l2 U.S.C.$2b01 e�sry.("RESPA").unless anothcr
<br /> law tluu�pplies to tha Pundc sets a icsscr amount. If so,Lender may.at any time,colloc:a►d hold Funds in an amount not w
<br /> = exceod the lesser xmount. Lender may estimate the amount of Funds due on the f�si� uf currznt dwt�and teaior�bte
<br />�- - estUnates of expenditures of future Escrow Items or aherwlse in accordance with applicable lAw.
<br />:� The punds shall bc held tn an inaNtution whose deposits are insured by s federAl agency,Inswmc�►taliry, a entity
<br />-, (including Lencler,if I.encier is such sn institutian)or ln any Federui Hu�n�Loan Banl�. Lender shall apply the�Unds to pay
<br /> - - the Eccmw Items. Lender mxy not charge Borrower for hotding and applying the Funds.�nnually analyzi�g the escrow
<br />' — accou�t,or verifying the Escrow Items, unless L.ender pays Borrower interest on the Funds and applicable law pertnitc
<br /> Lender to make such A charge. However,Lender may reqain Boaawer to pay a one-tlme ch�rge for an independent rea!
<br />-== estate tax reporting servtce used by L.ender In connection wfth this laan,unless applicablc law�rovides othenvise. Uniess an
<br /> - agrament is mude or applicable law requices interest to be paid,Lender shall not be roquired to piy Bomower any inurcst or
<br /> = earn�ngs on the F�nds. Bortower and Lender may agrec in writing,however.thAt interest shall be paid on thc fi�nds. Lcnder
<br /> - shall give to Bocrower.without chprge,an annual account3ng of the Funds,showing crodits md debits to the Funds and the
<br /> purpose for which each debit to the Funds was made. The Punds are pladged as additiawl securiry for all sums secucnd by
<br />---- , thia Security Insttumen�
<br /> "'" If the F�nds held by L.ender exceed the amounts permitted to be held by apErlicable law, l.ender chali account to `
<br /> , ,� Borrower for the excess Funds in accordance with thet requieements of applic�ble Iaw. If thc amount of tha Ponds hetd by
<br /> � ° Lender at any time is not sufficient co pay tho Escrow Items when due, Lender may so notify Borrower in wridng.wnd.in
<br /> * such case Borrower shull pny to Lender the amount necessary to make up thes deficiency. Borrower shall mdce up the
<br /> ^ ti deficiency in no more thun twelve monthly puyments,at Lender's sole discretion.
<br /> Upon payment in full of all sums secured 6y this Security instrument.I.endcr shall promptly refund to Borrower any
<br />_ ', Ftmds held by Lender. If,under paragraph 21,Lender shall acquirc or sell thc Property,Lendar,prior to the ncquisition or
<br />- �`,� sale of tbc Prope�ty.shall apply uny FLnds held by I.ender at thc timo of acquisition or sale ys a crcdit ngalnst ihe sums
<br /> �,,r;��:'' :; securcd by this Security Inswment.
<br /> -- 3. Applkatbn ot Payments. Unless applicable law provides otherwise. all payments received by Lender under
<br /> = parugraphs 1 and 2 shall 6e applied: first.2o any prepayment cha�ges due under the Note;second,to amounts p�yable under
<br /> r,� c para�raph 2;third,to irttercst duc;founh,to principal due;und last,to nny late charges due under the Note.
<br /> :- ' 4. ChAr�es; Liens. Borrower shall pay all taxcs.assessmenu, charges, fines ond impositions attributablc to the
<br /> ."�: • ° -��' PropeRy which muy anain prioriry over this Secuciry[nstrument,and leasehold puyments or ground rents,if any. Borrower
<br /> �v'�"�"`"•',"'�"'' shall pay these obligutions in the manner provided in paragraph 2,or if not paid in thut manner, Borrower shall Nay them on
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<br /> i�'«N,:•.-.•;.,��. time di�+ectly to the person owed payment. Borrower shaU promptly fumish to Lender all notices of amounts to be paid wider
<br /> ',� �;�;,' t;.�;j#�, this pantgraph. If Borrower makes these puyments directly.Borrowcr shall promptly fumish to Lender receipts evid¢ncing
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<br /> z Borrower shall promptly discharge any lien which has priority over this Security lnstrument unless Borrower.(a)agrees
<br /> I"'�'"'"�"���"' in wrltin to the a ment of the obli ation�ured b the lien in a manner acce table to Lender; ib)contests in gcwd faith the
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<br /> •� � lien by.or defends against enfoc+cement of the lien in.Icgal proccedin�s which in the Lender's apinion operate to prevent the
<br /> =,�� ' ,�`�-"�� enforcement of the lien;or(c)secures from the holder of thc lien en agreement satisfactory to Lender subordinating the lien
<br /> , _ ;i� to this�ecurity Insavment. If Lender determines that any part of thc Property ix subject to a lien which may attai�priority
<br /> -- over this Security Instrument,I.ender mny give Borrower a notice identifying the 1 ien. Borrower shafl satisfy the lien or take
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<br /> �:_�.�.:�,�.�, one or more of the actions set forth above within l0 days of the giving of notice.
<br />.t�i .;�_�L :•�-�F� 5. HasArd or Property Insurance. Borrower sh�il kecp thc improvements now existing or hercafter erected on the -
<br /> Property insured against loss by fire,hazards included within the term"extended coverage"and any other hazanis,including
<br /> •� �� floods or flooding. for which Lender requi�s insurunce. This insurance shnll be maintained in tlx amounts and far the
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