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�� :-��;� , .- � :�?:=-..�. .,.. <br /> - , <br /> �__� --� .� �94- io�.��s <br /> � TOOETHER WCf4i d!the lmprovemenu nuw or h�raRer erected on the property.u�d dl a�emeds.appurten�noa��nd <br /> flxtura raw or hero�fter a p�rt csf the prope»y. All ropl�caneiu� �nd �dditbn. �1�all dw ba oovered by thi� S�curltX <br /> iartrunrent.All of ihe fcxeRdnQ i�refemad tu In this 5ecurily Instrument u the•Prapeny » <br /> BORROWER CUVLNANTS thu 8orrower i�Irwfully rei�od of tho atrte hereby conveyod md hu the dQht to�ru�t and <br /> ax�nvCy �he Pruperly nrd thrt thc I*mperty is umncwnbcrod, except far enrumbnnca�,f nx�cxd. Borrower wurnNs an!will <br /> defetxi Yeix��lly the tftle to lhe Pmpetty�+ti�uu all cl�im►wxl cknwndc.wbject w any etuumbrancce c►f rccord. <br /> THIS SECURITY INSTRUMENT combine�uniform wvenrtur for rutiatud ure rnd non•uniform ooven�ntc with limlted <br /> _-�—_ w�i�tions by juri�cliaic►n to�rn�titutc A uniform sccuriry inxtrunxnt cuve�inQ rcxl prc,perty T, <br /> UNIFORM COV�NAN PS.Born�wcr Kt�d Lci�JCr cuvc�wnt and a�roc sis follows: <br /> l. wy�ae ot r►�t�tp.i ana tpc�a: �rr�wymeae ana t..�� cn�a:. Barmwcr xtwll prompttY paY when due the <br /> ` principal af wxl intercst on the dcbt rvidencai by the Note and uny prepnyment and late chxrYe�doe under the Note. <br /> ' 2.F�nds for T�xes and I�ur��e. 5ubject to�pplicable low or to a writtcn waivcr by l.ender,Borrower slwll pay to <br /> [.cnder on the day monthly payments arc duc undcr thc Note.until the Ncxc is paid in full,a sum('FunQs')for:(a)yearly taxes <br /> and nsscssments which rr�y attain priority over thix Socurity Instnimcnt ac a licn on thr Property; (b)yearly lcaschold payments <br /> or ground rcnts on the Property.if any:(c>yearly hazard or propeny insurnnce premiums:(d)ye:irly flood insurance premiums, — <br /> -- if any:le>yearly mongage insurnnce premiums. if uny; u�xi(�any sums p;eyuble by Borrower to LendGr, in accordance with — <br /> thc provisions of paragrnph 8, ln lieu of thc paynxnt af martgagc insur.uue premiums.'Phcse items are called 'Escrow Items." <br /> L.ender may, at any time, coilect and hald Fundx in un umaunt rxu to exc�xd the maximum anwunt a lender for a fedemlly <br /> --_-- nlated mortgage loan may require for Bormwer's e.ccrow:►ccount under the foderal Rea+l Estute Senlement Procedures Act of <br /> .a, I 1974 as amendai from tirtx to tirrk, l2 U.S.C. Section 260I er sey. ("RESPA"),unlcss another law tlwt upplies to the Funds <br /> • • �sets a Iesser amaunt. If so. Lender muy,at any timr, coflect atxi hold Fund� in an Anx►unt not to excoad the le.cser amount. � <br /> �'�i��``�� l.endcr ma estimate the amoum��f Funds duc on thc basis of current duta and re:isomble cstimates of expenditures uf futun <br /> ;.,,�,...�,; .;..:.?. y <br /> ��'�r'" "� Y�"• Eserow Items or otherwise in accordunce with applicable law. <br /> ,�• • � • <br /> � ' Thc Funds shull hc hcld in :►n imtitution whosc dcposit� arc in.urcd by u fcxicrat agency, instramcntality, or entity — <br /> ' �:;;s;�;;,�,;!;;,�,:. (including Lcndcr,if Lxndcr is such an institution)or in any Falcral Home Loan Bank. L.ciuicr shali upply thc Funds to pay thc " <br /> '' � � � 8serow Items. Lender rn�y not charge Bcnrower for holding and applying the Funds,annuully unulyxing the escrow account,or <br /> .l-�r�r •. 1 .. . ' _ <br /> ``w� " `'� '�`' � verifying thc Escrow Items,unlcss l.ender puy+Borrowcr interest on the Funds und applicabic luw pemiits Lender to make such <br /> ��=� �• J;�' � a chatge. Hawever. l.ender may rcyuire Harrower to pay u one-time charge for un irniependent real estute tax reporting service o <br /> � " • ' ' used by Lender in connection with this loan, unless applic�hle I:�w provide� otherwise. Unless un ugreement is made or = <br /> >.t_ . ' � <br /> - .. • ;,,w; applicable law requires interest tn be paid.L.cnder shail not lxe reyuircxi to pay Bor�uwer any intcrcst or eamings on thc Funds. <br /> . <br /> .. . ' 8orcower and Lcnder mry ugrcc in writing, however, that interest tihaU be puid on thc Funds. L.ender shall give to Borrower, <br /> _... ��r�_- .__,___. �v;t�u��charQ�, an Hnnunl xccounting of the Fund.r. showine credits nnd debits to the Fundr and the purpnse for which exh <br /> debit to the Fund,wus ttrrde.The Fundti ure pled�ed us additional security for all sumti secured by this Security Instrument. <br /> .• • If the Funds held by Lender excecd the umountti permittrd to br.hcld by applicable law. I.ender shall account to Borrower <br /> � , for the excers Funds in acwrdance with thr rcyuiremrnts�if applirablc law. (f the umount of the Fundti held by Lender at eny <br /> • timc is not sufficicnt to pay thc Escrow ltems whcn duc. L.cndcr may u�notify Ronowcr in writing,and,in such casc Borrower <br />