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<br /> - - � ��� TOC)E'I�IER Wfl'H all the impeovcmentc now ar hereaftcr ercc[ai�i'ne{xu�►ty.+�x1 wti e�mcnts,ap�resassccs, �-
<br /> and fixwres now or liercJler�pat of the property. All rcpl+�cement��u�d additian�shatl dw be covard by thi� Secu►ity
<br /> Inawment. All of the fore�oinQ i�rcfemed w in this Secud[y Imwment w the"Propeny..'
<br /> BORROWBR COVENANTS tiwt Bo�rower is lawfully�ei�ad ai the e�t�le hereby conveyed�nd h�s tho ri8h�to Bran�
<br /> — and convey the Property uid thu the Propeny i�c unencumberai,except for encumbnmces of rceord. Barower warrants tu�d
<br /> wil!detatd�enenlly the tiik to the Property a�afnst�l!eWrtu�nd demancls,cubject w any encumbruxY�of record.
<br /> -�----_=� THIS SECURITI' {NSTitUML�NT r�mbines uniform covenr.n�R P�K n.riannl use and naa-unjform covenants wlth _
<br /> Iimited vari�dons by jurisdiction to cautitute a uniform security incwment covering cr,�l property.
<br /> UNIFORM COVENAN7'S. Bomower And Lenckr cove�u►t and agree as foilows:
<br /> l. Pxyaxat ot Principd and Iaterest;Prep�yment apd Lste Chu�a. Borrower shall promptly pay when due the
<br /> }�uxjpd of uid i�tercst on ihe debt evidenced by the Note and any prcpxyment and lAte chugcs due under the Note.
<br /> 2, �nds for'Thxes aad Insurance. Subjxt to applicable law or to a written waiver by Lender.Borrowcr shall pxy to
<br /> - Lend�er on the day monthly payments are due under the Note,untll the Nae is p�id in fuil,a sum("Funds")for:(a)yeuly
<br /> °` _— taxes and asscssments which may attain priaity over this Security Instrumcnt as a lien on the Propeity:(b)yearly leaschold
<br /> paym�nts or ground �+ents an the Roperty, if any; (c) yenrly hazard or propeny lnsurance premiums; (d) yearly flood
<br /> insurance prcrniums, if any; (c) yearly mortguge insurance premiums, if any; and(� any sums payable by Barower to
<br /> I.ender,in accordance wtth the provisions of paragraph 8,in lieu of the payment of mortgage insurance prcmiums. 'Iliese
<br /> — items arc called"Escrow Items." Lender nwy,at any time,collect and hoid Funds in an amount not to exceed tt�e maximum
<br /> amo�nt a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Reul
<br /> Estue Settiemsnt Procedures Act of 1974 as amended fran tlme to time.12 U.S.C.$2601 et s�q.("RESPA"),unless anaher
<br /> - . law thet applies to the Funds sets a lesxr amount. If so.L.ender may,at any time.collect and hold Funds ln an amount not to
<br /> • exceed the lesscr amount. l.endcr may estimate the amount of FLnds due on the basis of curre�t datx wul reYwnabie
<br /> estimaus of expenditurcs of future Escrow Items or otherwise in xcordance with applicable Iaw.
<br /> � •.. 7he Funds shall be held in an institution whose dcposits are insured 6y a federal agency, inswmerttaliry, or eatity
<br /> .,, (including l.ender,if Lender is such an ins�itution)or in any Federai Home Loan Bank. Lender sholl apply the Fund�to pay
<br /> � the Escrow Items. Lender may not charge Borrower for hoiding and applying the Fvrids,annually analyzing the escrow
<br /> '''�''r ' account,or verifying the Escmw Items, unless L.ender pays Borrower interest on the Funds and applicable law pertnits
<br /> �� + - Lender to make such a chargc. However.l.ender may rcquire Borrower to pay a one-time charge for us�independent real
<br /> estate taz reporting service used by Lender in connection with this loan,unless applicable law provides otherwise. Unless an
<br /> � ^ agreement is made or applicable law requires interest to be paid,Lender shall not be required to pay Bonower any interest or
<br />� ,� ' ��tr,�'E.' eamings on the Funds. Borrower and I.ender may agree in writing,however.that interest shall be paid on the Fands. Lender
<br /> �� •;L,..; �?, �. shelt give to Borrower.without charge,an annual uccounting of the Funds.showing credits and debits to the Funds and the
<br /> ; 9 ...ri•� .� purpose for which each debit to the Funds was mede. The Funds are pledged as additional security for all sums secured by
<br />_ ��;,�,:,_Y .:�us,�•_, ilusSecnr':tyInsavment.
<br /> ;,,,,,: ' . If the Funds held by Lender exceed the amounts permitted tu be held by applicable law, Lender shaU account to
<br /> :: ���• � Borrower for the excess Funds in nccordunce with the requirements of applicable law. If the amount of the Funds held by
<br /> '' � Lender at any time is not sufficient to pay the Escrow Items when due.l.encler may so notify Borrower in writing,and,in
<br /> "�'•` •. ���' '' snch rase Borrower shall pay to Lender the amount necessary to make up the deftciency. Borrower shall make up the
<br /> ' . deficiency in no more than twelve monthly payments,at Ixnder's sole discretion.
<br /> • , . Upon payment in fuli of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
<br /> • Funds held by l.ender. If,under paragraph?l, Lender shall acquirc or xell the Property.Lender,prior ta the acquisition or _.
<br /> �• � sale of the Property,shall apply any Funds held by Lender at the time of acyuisition or sale as a credit against the samF �
<br /> � �' secured by this Security Inswment.
<br /> "•'r��'}"��-''°� 3. Applicatbn ot Pxyments. Unlesti applicablc luw provides otherwise, all payments received by Lender under
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<br /> -.�. t . paragraphs! and 2 shall be applied:first,to any prepayment churges due under the Note;second,to amounts payable undar
<br /> �, � paragraph 2;third,to interest due;fourth,to principal due;:u►d last,to any�ate charges due under the Note.
<br /> ; � � '� 4. Charges; Liens. Borrower shull pdy all taxes, assessments, charges, Gnes and impositions attributable to the
<br /> � � '' Property which may attain priority over this Security Instrument,and Ieasehold payments or ground rents,if any. Borrower
<br /> � �'�` �� � shall pay these obligations in the ma�mer provided in para&raph 2,or if nat paid in th�t manner,Borrower shall pay them on
<br />' ' " tima directly ro the person owed payment. Borrower,hall promptly fumish to Lender all notices of amounts to be paid under _
<br /> " thi�paregrrph. If Borrower makes these payments directly,Borrower shall prornptly fumish to Lender receipts evidencing
<br /> . the payments.
<br /> Borcower shall promptly discharge any lien which has priority over this Security Intiuument unless BoROwer:(�)ugrees
<br /> "���' �� in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,(b)contests in goad faith the __
<br />-_ �•'" lien by,or defends against enforcement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the =
<br /> ." �. �,:r,: ;i. - enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lendcr subordinating the lien "�
<br /> •�:;°'� . .; tu this Security Instrument. If Lender determines that any part of the Property i.subject to a lien which may attain priority
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<br />:�� '` over this Securiry bstrument,Lender may give Borrower u notice identifying Ihe lien. Botrower shall satisfy the lien or take f.
<br />• ;.•� ��, one or more of the actions set forth above within 10 days of the giving of notice.
<br /> ��^ �:,,•_ „ 5. HAZard or Pro p ert y Insurance. Borrowcr shall kcep thc improvements now existing or hereufter erected on the
<br /> .: � Prope�ty insuc+ed against loss by fire,har.ards included within the term"extended coverage"and any other hazards,including _
<br /> � ���s;;,;;,;>_._.. �. floods or flooding, for which Lender rcyuires insurance. This insurancc shall tx:maintained in the amounts and for the
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