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<br /> ---    	-     —       		'tYXiE7'NUt W1TH all the lmprovmunta rk�w c�r hnt�t�tt!+��n+t+itvl�n Ihe{�eny,nnd atl c�a:cmentr.appurtqt111icet.    	_
<br />   					uid flxturas now or herca4er a p�ut of the prc�perty. Ap repl�cemem:And�dditianr shall�I�o be covorod by�hi�Security
<br />   					Inatrument. Atl of thc frmQo4n�is rcfemnf tu in this Security In�trumeM�x tlk"Pmpeny."
<br />						80RROWkR COVBNANTS tlutt Barrower fx I�wfully seizod of thc e�txte hercby conveyed and hrs the dght to qr�n1
<br />   					�nd convcy the Propeny�nd that thc Property ir unencumbered,except for encumbrar�ces of nxord. 8cxrower warrantr uid
<br />   					will defi�d�enet�l�y the dtk to the Property aQ�fn�t dl eWma and demmds.wbJect to�ny encumlxances of recotd.
<br />    ��-�-�----�—�  		'!'H1S SECURITY 1NSTRUMENT combincs unlfom� covcnants for nationai usc and non-uniform covcnants with    	-
<br />   					limitod vari�tion�by juriediction to conrtitute�uniform cecudty inowment covuin�r+eal property.
<br />						UNIFORM COVENANTS, Borrower�nd Lender covenwnt nnd�grea ws followa:
<br />  -     					1.  P�ymeat ot Princip�l and Interat;Prepayment aad I.ate Ch�a. Borrower shall promptly pay when due the
<br />   					principal af and interest on the dcbt evidcnced by the Note and eny prepayment and late charges due under the Note.
<br />						2.  Flundsi tor'lhxea qnd In�urAnca Subject to applicablc law or to a written waiver by Lender.Barrower shall pay to
<br />   					Lender on the day monthly paymcnts arc duc undcr thc Notc,unUl thc Notc is paid in full,a sum("Funds")for. (a)yeurly
<br />  		�-   		taxes and assessments which may attnin prlority ovar this Security Insuumcnt as a lien on the Propetty;(b)yearly Ic�sehold
<br />   					payments or ground rcnts on the Propeny, if any; (c) yearly hezard or properry insnrance premiums; (d) yearly tlood
<br />   					insurance premiums, if any; (e) yearly martgage insurance premiums,if eny; and(fl any sums payabk by Borrower to
<br />   					Lender,in accordance with the provisions of paragraph 8,in lieu of the payment of mortgage insurance premiums. i'hese
<br />   					items ace called"Escrow Items." Lender may,at any time,collect and hold FLnds in an arnount not ta exceed the maximum
<br /> --=  				amouni a lcndcr t'or a fcdzraliy retate�i ni���tguge toau u�ay ��z�uiee for Gorrowcr�cscraw accoun! und�r sl:e ftdera! R�a!    	�
<br />   					Estate Settlement Procedurcs Act of 1974 as amended from time to time,l2 U.S.C.$2601 et seq.("RESPA"),unleFS aqpther
<br /> :�     	.;��.       		law that applies to the Ftmdc sets a Iesscr amount, If so,l.ender may,at any time,callect and hpld Funds in an amount not to    	_.
<br /> �`;`    	�''°����      		exceed the lesser amount.  Lender may estimate the amount of F��nds due on the basis of current data and reasanable
<br />  ,•    	� �,?• :
<br />,'       	��"•      		esdr�wtes of expenditures of future Escrow items or otherwise in accnrdance with applicable law.
<br />'f,��     	'�`�'�   			The Funds shall be held in un institutian whase depasits are insured by a federal ugencv, insuumentaliry, or entity
<br />   +      	sr, �,
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<br /> .,;     	t�,�t��;,,.;,,:�u�       	(including Lender,if Lender is such an institution)or in any Federui Home Loan Hank. l,ender shall apply the Flmds to pay
<br />-:;    	:,y.r,'���.'��:±;;�i�'		Ihe �scrow Items. Lender may�ot charge Bonower for holding and applying d�e Funds,annually analyzing the escrow
<br />':`'    	'"•}`"`�•���''�' ' 		account, or verifying the Fscrow Items, anless I.ender pays Borrower interest on the �Lnds and applicable Isw permits
<br /> `e;'     	�:.:., .
<br />   					Lender to make such a charge. However. Lender may require Borrower to pay a one-time charge for an independcnt real
<br /> '`��       				estate tax reporting service used by L.ender In connection wtth this loan,un{ess applicable law provides otherwi�:. Unless an
<br />_ 					agreement is made or applicable law requires interest to be paid,Lender shall nat be required to pay Borrower any{nterest or
<br />   					earnings on the Funds. Bornnwer and Lender may asrec in writing,however,that interest shAU be paid on the Funds. Lcndcr
<br />�'_�'_� 				shall give to Borrower,without charge.an annual accounting of the Funds,showing cmdits and debits to the Funds und the
<br />   					purpose for which each deblt to the Funds was made. The Funds are pledged as additlonpl secudty for all sumx secured by
<br />      -=  				th3s Sxnrlsy Insuuraept.
<br />  	, . ,.�,: ;     '     		If the Fundc held by Lender exceeci the amounts permitted ta be held by appliruble luw, Lender xhall account to
<br />  	'�„w!r�,��;�`��c      	Borrower for the excess Flinds in accordance with the requircment+of�pplicuble law. !f the umount of the�nds held by
<br />     		'•` �•`      	Lender at wny timc is nnt rufficicot to puy thc Escrow Items when duc,Lendcr may so notify Borrowcr in writing,and,in
<br /> 			°�,       	such case Bortnwer shall pay ro Lender thc umount necctitiary ro mukc up thc deficiency.  Borrower sh�ll mukc up the
<br />  	`'   �z"���'��` ��`'      	deficicncy in no more than twcive monthly payments.ut Lendcr'�solc discretion.
<br />_		sy•:..��',:•.:
<br />  	,«; +!�!=���±      		Upon payment in full of all sums secured by this Security Instrument,Leuder shaq promptly rcfund to borrower any    	_
<br />   	`�"' '   			Funds held by L.ender. 1[,under paragraph 21,Lendcr shali acquirc or sell the Property. I.ender,prior to the acquisition or    	-
<br />  	��:r���. �4�  .
<br />  	•:wn.•..•. _.  . . : 		isale of the Property. shull apply any Flmds held by Lender at the time af acquisition or sale as a credlt against the sums
<br />. 	:�:�;':�;- ..   }_�..      	aecured by this Security Instrument.
<br />		'�      			3.  Application of Payments.  Unics� upplicuble Inw provides otherwisc, all payments received by Lendcr under
<br />=	�M1.;.,,.,�.�,.,�       	paragraphs 1 and 2 shall be npplied:first,to any prepayment charges due under the Note; second,to Amaunts payable under
<br />  ,	�.,.�.i z ,.			puagraph 2;third,to interest due;fourth,to principal due;and lust,to any late charges due under the Note.       			�
<br />						4.  Charges; Lkna Borrower shall pay all taxes, assessmcnts,charges, fines and impocitions attdbutable to the
<br />   	,,_,�._���-..•!.      	Property which may attaIn priority ovcr this Security Inswment,and leasehold payments or ground rents,if any. Borrower
<br />'  					shall pay these obilgation�in thc manner provided in parugrWph 2,or if not pnid in that manncr,Borrower shall pay them on
<br /> .�	��+��n'tL�'      	time directly to the person owed payment. Borrower shnll promptly furnish to Lendcr all noticcs of amounts to be patd under
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<br />  	����t,fd�..::    		this paragrnph. If Borrower makes these payments directly,Borrower shail promptly furnish to Lender receipts evidencing
<br />       	>°:`:;,.�•.. .��,.		the payments.
<br />  	�y,..� �"    			Borrower shalt promptly discharge any lien which has priority overthis Security Instrument unless Borrower:(a)agrees    	_
<br /> 		,�.�.
<br />   	' � �r•y-� . �:  , 		in writing to the payment of the obligation secured by the lien in a munner acceptabic to Lender;(b)contests in good fuith the    	=�
<br /> `�T,      	�  .;t- ��       	lien by,or defends against enforcement of thc lien in,legal ptoceedings which in thc Lender.l•opinion ope�ate to prevent the
<br /> =-       				enforcement of the lien;or(c)secures from the holder of the lien en agreement satisfacrory to Lender subordinating the lien
<br /> _       	'i.,..,;,,F�`      	to this Securiry Instrument. If Lender derermines thAt any part of the Pcoperty is subject to a lien which asay attain prioriry
<br /> -     		' "		over this Securlty Insuument,Lender may give Borrower a notice identifyIng the lien. Bonower shall satisfy the lien or take
<br /> _		.;,.,�;--�f;       	one or more of the actlons set forth abovc within(0 days of the giving of notice.
<br /> '-f�       	�•"    		5.  HnzArd or Property Insuronce. Borrower shall keep the improvements now existing or hereafter erected on the
<br />    		' ,-.�,::_       	Property insured against loss by fire,hazards included withfn the term "extended coverage"and any othcr hau►rds,including    	�
<br /> ._,����-Y';'��.y     	floods or flooding. for which Lender requires insurance. This insurance shall be maintained in the amounts and for the    	-
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