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<br /> TOOETHBIt Vv'ITH dl the impmvements now or heroyDcr erortod un ttx p�aperiy.wd rit ea►cmenu,rppurteiw�cc�.
<br /> u�d Gxturcy now or hercaftcr r prrt of thc pn�{reny. All replucementi a�xi�ddlllonr�chall alxo ba coverod by ihis Socurlty
<br /> _ lnsuvrnent. All��f tF�e f�xe�{oieQ ir rcfemcrl Io in thir Secudty lmcwmeM ax the"Pirc�a1Y."
<br /> — BORSt�OWF.It COVENAM'a that Bom�wer iti Irwfully seisai af the catatc hcrcby catveyctl wrui tuia lhc ri�hl w�rsml
<br /> -- urd convcy the E'ropecty a�x1 ihat the Pmperty is unencumberal.ezcept for encumbroncec of rocord. &xrc�wer warr�nu and
<br /> will drfend genenily the titk to the Property agdnat�Il cLims�nd demuids,�ubjact to any encumbnnce�of recoN.
<br /> � — -_-- THIS SEC:URI7'Y INS'!'ItUM�N'C combfnes unifam cavcnuu� far national usc and non•uniCam cvvc�nts witM�
<br /> — limited vuiations by jurisdiction t�conctiwte a uniform secu�lty insuument covuing rcal prr�perty.
<br /> �� ' UNIFORM COVENANTS. Borrower�nd Lender cavenant atd agtee�s follows:
<br /> _.— l. P�ymeat ot Priatip�l aad lalerati Prep�ytnent a�d l,�te CbarRa. Bcxrowcr shail pr�ompttY p�Y when due ihe
<br /> — ___ principal of and intercu on the debt evidencod by the Nae and any prepzymcnt and Is�te chargcs due under the Nate. •
<br /> - - ----- 2. Fl�nds for 7Uxes and Inaursaca Subjxt to applic�bte law or to a written wuiver by Lender,Sormwer shall p�y to
<br /> — --_----_. Lcnder on the day monihly paymcnts arc due under the Notc,untii thc Natc is paid in fuil,�sum i"Fundx")for:(a)yearly
<br /> taxes and assessments which muy attuin priority aver this Security Inswrn�nt as a tian on the Pnnpeny;(b)yesuly leasehold
<br /> _ = payments ar ground rcnts on the PropeRy, if any;(c)yearly hazard or prapeRy insurance prcmtums; (d) yearly flood
<br /> insurance premiums.if any: (c) ycarly mongage insurance premiums,if any;at�d (� any sums payuble by Borrower to
<br /> I.ender,in accordance with the provisians of paragnph 8, in liru of the payment of monguge insur+nce prcmiums. These
<br />_ ___� itPmc nrr vaqc�t"Eccmw Item.' [,ender may,at ony time,collect and hold Fundy in�t amount not to cxceod the muximum
<br /> amount a lender for a federnlly related mortguge loan may rcquite for Borrower's escrow account under the fedecal lteal
<br /> ;_;„;�� Ectate Settlement Pnacedwes Act of 1974 as amended from[imc to Umc,12 U.S.C.$2601�t ssq.("RESPA"),unless a�other
<br /> ,;�� lu�_ that ap�.�es to th� Fundc sets �lesser amuunt. If so.Lcndcr m�y.�t any ttmc,collxt and hotd Fursds in m rmount not ro
<br /> exceed the lesser amount. L.encic� may est�mate the amount of Funds due on the basis of curnot dau and c�eawnable
<br /> � , estimatos of expenditures of future Escrow Items or otherwise in accordance with+�pplicable law.
<br /> n;� ...,.,��;: .
<br /> -�.:r�-•.•�•�,•�;� Thc Funds shall be held in an institution whose deposits are insured by a federal agency, inswmentality. orentiry
<br /> •�'�t,� (including Lender,if Lender is such an institution)or in any Federai Home Loan Banic. Lender shall apply the Funds to pay
<br /> ��' ' � •'f. -'� the Escraw Items. Lender may not charge Borrower for holding and applying the Funds,aniwally analyting the escrow
<br /> - �,�r.:' �:
<br /> '�� • t•:-.'.. account.or verifying the Escrow Items, unless Lender pays Borrower interest on the Fund,and upplicable Iaw permits
<br />-- ;� Lender to make such a charge. However.l.ender may requirc Barower to pay a aie-dme charge for an independent rcal
<br /> �;;,�� estate tax ceporting service used by Le:nder in connection with this loan�unless applicable law pcovides otherwix. Unk�ss an
<br /> '�t-' � �,���,� agrcement is mnde or applicable law requires interest to be paid,Lrnder shall not be required to pay Borrower any interest or
<br /> �• '` '���`',�+�r`• eamings on the FLnds. Bocrower and Lender may agree in writin�,hawever,that intercst shall be paid on the Ruids. I.�nder
<br /> .;,�. �� � .��!':��•�`+:.j�'. sha11 give to Borrower.without charge,an annual accounting of the Funds.showing credits and debits to the iimds and the
<br /> �' .
<br /> s�;;�„�;_ purpose for which each debit to the Funds wus made. The F�nds aze pledged as addidonal security for�II sums secured by
<br /> «u'•r.�u���,''�'''.�= � this 5ecufity insuument.
<br /> � •� •• - If tha F��ds held by Lender exceed the amounts permitted to be held by applicable law. Lender shall account to
<br /> .',':. $orrower for the excess Funds in accordance with the requirements of applicable taw. If the amount of the Funds held by
<br /> • ' Lender at uny time is not suffcient to pay the Escrow Items when due,Lcnder may so notify Borrower in writing,and,in
<br /> '` '� " such case Borrowcr shall ptty to Lender thc amount necessary to make up [he deficiency. Borrower shali make up the
<br /> ��� ' deficiency in no more than twelve munthly payments,at I.ender's sole discretion.
<br /> ' } • ••- � Upon payment in full of all sums secured by this Securiry Instrument,L.ender shall promptly refund ro Borrower any
<br /> , -- •. , - ' Cvnds held by L.ender. If,under paragraph 2l,Lender shall acquire or sell the Property.Lender,prior to the acquisition or
<br /> ,-.., . '. sale of the Property,shaU apply any Funds held by Lender at the timc of�cquisition or sale as a credh �gainst the sums
<br /> �...�,.�a.,,,... �.� secuted by this Securiry Instrument.
<br />_j, � 3. Application of Paymentx Unicss Wpplicable law provides otherwise, atl paymants received by Yxnder under
<br /> _.u- ':�� , pazagraphs I and 2 shall be applied:�rst,to any prepayment charges duc under the Note;second,to amounts paynble under
<br /> r • ,,, � . paragraph 2;third,to interest due:fourth,to principal due:and last,to any late rhurges duc undcr the Note.
<br /> • • . 4. Chtrges; I.iena Borrower ahall pay afl taxes, assessments, charges, fincs and impositions attributeble to the
<br />• Property which may attain priority over this Security Instrument,and I�a.vehold payments or ground rents, if any. Borrower
<br /> shall pay these o6lisations in the manner provided in paragraph 2,or if not paid in that manner,Barrower shall pay them on
<br /> � �''`�` time directly to the penon awed payment. Borrower shall promptly fumish to Lender all notices uf amounts to be paid under
<br />.� , ' ' this paragruph. If Sorrower malces these payments directly,Borrower shall promptly furnish to l.ender receipts evidencing
<br /> , ' ,'! the payments.
<br /> . Borrower shall prompdy diuharge uny lien which 6ati priority over thiz Securiry Inxtrument unless Borrowet:(a)ugmes
<br /> . .� � in writing to the payment of the oaligation secured by the lien in a manner Uccrptable to Lrnder;!b)cantesh in sood faith the
<br /> "• �. Y��- lien by,or defends against enforccmcnt of thc licn in,legal pmcerdingx whirh in the Lender's apinion opernte to prevent the
<br /> K�•''�� ���~' ertforcement of the lien;or(c)secures fmm the ho(der of the lien an agreement�atisfactory[o Lender subordinating the lian
<br /> '�'-���•;'� to this Security Instcument, If Lender detertnines that any part of the Pmperty i�xuhXct to u lien which may attain pdority
<br /> �°� , '`�' � over this Security Instrument,Lender may givc Borrower a notice identiFying thc lien. Borrowcr sha11 satisfy the lien or take
<br /> ~ ' � one or more of the uctions set forth above within 10 days of the giving of natire.
<br />" r'..,:.,•� � . ;�.' . 5. NAZard or Property Insurt�nce. Borrower shall kcep thc improvemcnts now existing or hereaftcr erected on the
<br /> �?� � •� Property insured against loss by�re,ha�ard�included within the tertn"extended mvcrage"and any other hazards,including
<br /> ` , :�,.. ' floads or flooding, for which Lender requires insurance. This insuruncr ahal!In: muint:�ined in the amounts and for ihe
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