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<br /> 1'00�7'H�R WITH r!I the improvements now or hercafter crocWd on the propecty,and mrnts,appunen�ncu+,
<br /> _ — - w�3�i�iwcr�ww ui i�.�.,st'i:.��p:tt!uf!k'�"st:. All nq+l�rrmcr�ts et�!!!�!�!illnn�RiuU alw be cov�ted by tGit Secu[itY
<br /> ln+�wment. Ail of the farc�ofae is rofemed ta in thls Security butrumeot�x the"PropenY•"
<br /> BORROWER COVENANTS th�t Bortawu is lawfully t�ci�cd of the csute hereby conveyed and h�s the ri�ht to�nt
<br /> uid rom�ey ihe Praperey u�d that 1he Prupeciy is uneocumbered,except for encumbrances of rocord. B�xrower wamnts u�d
<br /> will defe�►tl�e�erally the titk to the Propeny��ainst afl clafmr u�d deaw�.wbject to u►y encumbruticec of record.
<br /> THIS S�CURITY 1NSTRUMENT combinea urtiform covenuus fix national use u�d non•unifixm oovanmta w��h
<br /> __�'�'—'"`_- - limited vari�ticxix by jurisdictiun w conctiwte�unifonn cu:urity instcumcat covcring rcal pmperty. --
<br /> UNIFORM COVBNANTS. Bocrnwer u�d Le�xkc covee�nt and agroe as folbwa:
<br /> -- 1. PaYment of Prtocipal and laterest;PreM9�atat aad l.�te Cbarges. Borrowec shali promP►�Y PnY wlien due che
<br /> _ principa1 of and intercrt on the debt evidenced by the Note and any prepayment and lsu chuges due under tt�e Nwe.
<br /> 2. F�ads tor'hxes snd lnweance. Subjoct to s�pplicAble law or to a written waiver by L.ender.Borrower siwll ppy to
<br /> Lender an the day month�y payments ore due under thc Note,untfl the Note is paid in fuil,a sum("Funds")for.(Y)ycarly
<br /> ___ ___s__a=� taae�arui issessments which may attain priarity over this Securiry Insuument as a lien an the Propeny;(b)yeuly leasehotd
<br /> _ - payments cN ground r+cnts on the Pirap¢ny. if any: (c) yearly hazard or property incurancc premium�: (dl yeurly flaod
<br /> insurance premiums,if any: (a) yeurly mortgaBe insurmce premiums, if any; and(� anY sums payabk by Borcower to
<br /> Lender,in accordanre with the pravisions of paragraph 8,in lieu of the paymcnt of mortgage insurancc premiums. These
<br /> - items arc cnlied"Fscrow Items." Len�ier may.at any time,collect and fiold Funds in an amount not to exceed the maximum
<br /> emount a l�nder for x federally related mortgage lou�may roqnin for Borrower�s escrow ucount under the federal Real
<br /> - - Fstate Setdement.Procedures Act of 1974 as amended from time to time,l2 U.S.C.�2601 et seq.("RESPA"),unless another
<br /> law th�t applies to the FLnds sets u lesser amount. If sa.Lender may.at any time,collxt and hold Funds in an amount noc to
<br /> cxcced the IGSSCr umount. Lender may �stimate the amount of FLnds due on thc bui� of cturent dau And r+casonabk
<br />•' estimates of expenditut�es of future Escrow Items or otherwise in accordance with applicable law.
<br /> The Plmds shall be held in an institudon whosc depoeits are insured by a fcderal agency.insdumentality,or entity
<br /> (including Lender.if L.ender is such an institution)or in any Federal Home Loan Banlc. I.ender shall apply the Funds to pay
<br /> the Escrow Items. Lender may not charge Bortower for holding and applying the Funds.annually analyzing the escrow
<br /> account. or verifying the Eumw Items, unless L.ender pays Bocrower interest on the Funds and applicable law permits
<br /> ,� Lender to make such a chacge. However. Lender may require BoROwer ta pay a one-time charge for un independent ceal
<br /> estate tax reponing service used by I.ender in ca►nection wjth this loan,unless Applicable law provides othenvise. Unless an
<br />:.;..Y agc�eement is m�de or applicable IQw requires interest to be paid.l.ender shall not be requircd to pay Borrower any intenst or
<br /> eamings on the Funds. Borrower und[.ender may agree in writing,however,that intercst shall be paid on the Funds. L.ender
<br /> -'•� shall give to Borrower,wtthout char�e,an annual accounting of the Funds.showing crcdits and debits to the Funds and the
<br /> -- pw�wse for which each debit to the Funds was made. The Funds are pledged as nddjtiawl security for all sums secured by
<br /> � this Security Instrument.
<br /> �v ... ,,� If the Funci�hcid by i.rude► eMCc�i the amaus�u permiiitd to tse tteld by applicable lew,l.ender shaU account to _
<br /> yy
<br /> �,�H?>;h Barcower for the excess Funds in accordance with the reqwrements of upplicable law. If the amount of the Fbnds held by
<br /> � � " .;�',�:;'�, Lender at any time is not sufficient to pay the Escrow Items when due,Lender may so notify Bortnwer in writing,and,in
<br /> ' `' ";.r:,i'�;�y== such case Borrower shall pay to i.ender the umount necessary to make up the deficiency. Borcower shaU make up the
<br /> ��``���' " � "'�' `�'`� "' � deficienc m no more than twelve monthly payments,ut I.ender's sole discretion.
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<br /> �•f;,�w'"'?'•�• Upon payment in full af all sums secured by this Sccurity Instrument,Lender shall promptly refund to Aortower any
<br /> "F;Q�;'�'. �. ;; �nds held by l.ender. If,under parngraph 2t,Lender shall acquire or self the Prnperty.Lender,prior to the ncquisition or
<br /> ;'.;�;,•"_ " sale of the Property,shall apply any Funds held by Lender at the tim�of acyuisition or salr as a credit against the sums
<br /> -���""�t securcd by this 5ecurity Insuumcnt.
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<br /> . ��,.�t�, „ 3. Applkation of Payments. Unless applicable luw provides otherwise, all payments received by Lender under
<br /> paragrdphs 1 and 2 shull bc applied:first,to nny pmpuyment chargcs duc under the Note;sccond,to amounts payable under
<br /> �� � '��."a''.'` "�'~ �: • paragraph 2;third,to Intcrest due;fourth,to principal duc::tod laxt,to:uiy late charges due under the Note.
<br /> • '- �•• " 4. ChArgea; Liens. Borrower shall pay all taxcs, assessments, charges, �ncs und impositions attributable to the
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<br /> : ,,;�,.;,, � property which may attain priority over this Securiry Instrument,u►d leasehald payments or ground rents,if any. Borrower
<br /> �i-.:�, .;. . shall pay these obligations in the manner provided in paragraph 2,or if not paid in that manner.Borrower shall pay them on
<br /> .�;�..�::..� ..� �� • time directly to the person owed pay�ncnt. Borrower shall pmmptly furnish to Lender all notices of amounts to be paid under
<br />_ ' ' •'"�;,:; .. this paragraph. If Borrower makes these payments directly.Bottower shap pramptly fumish to Lender receips evidencing
<br /> ,�:,�k�:" the payments.
<br /> �'�Y����'��• •�• Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees
<br /> '�:'"� . �"'` in writing ta the payment of the obligation secured by the lien in u manner acceptable to Lrnder;(b)contests in good faith the
<br /> .. ''� � lien by,or defends ugainst enforcemcnt of thc licn in,Iegal procecdings which in the Lender's opinion operate to prevent the
<br /> .'.?�'"°""''`'` enforcemen[of the lien;or(c)secures from the holder of the lien un agreement satisfactory to Lender subordinating the lien
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<br /> to this Security Insvument. If Lender detertnines that any part of the Property is subject to a lien which may attain priority
<br /> � • over this Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the iien or take
<br /> �� � one or more of the actions set forth s►bove within 10 days of the gi��ing of notice.
<br /> =:� '����, 5. Hs�zard or Property InsurAnce. Borcowcr shall keep the improvements now cxisting on c�reafter erected on d�e
<br /> - •s„:�?y^u;;W ;�, Propetty insured against loss by fire.hazards included within the term"extended coverage"and any other hazards,including
<br />_=,.+�' ��`� �`�'::�• floods or flooding,for which Lender requires insurance. 'it�is insurance xhall be maintained in the amounts and for the '
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