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<br /> �I'OOETEIER WiTH ell U►o improvements now or hereafter ereeted on tha pmp��y.c�►d u1t easem:nts.nppia:ten�nces.
<br /> '==Tti��'�=?�?� and fixtures no��or hereafter a part of tho property. Aii replccemeats and nddldons ehap also be covered by this Securtry _�� _
<br /> _�-�A�u�-*� Instnunent Al!of the foregoing ia refemed to in this Securlty IInstnuuent as ihe"Propetty." y�
<br /> ��' "" � � `�'� BORROWER CQVENANI'S that Elorrower is Inv�fully seised o4 the estnte hereby conveyed and has the dgttt to grAnt --�_ -
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<br /> �,,,i,,,�,,,v.}��� and convey We Property and that the Property ia unencumbered,except fnr encumbmnces of tetord. Bama�ver�varrants and �--r--�=`-� —
<br /> will defend generally the dtle to the Praperty against ali clalms and demanda,subject eo any ettcumbrances of record. � ,t. �
<br /> THIS SECtTRITY WSTRUMENT combia�s unifoan covena��ts for nadonal usc and non•uaiform covenants with ��'��• ''°"� ¢""�"''� _
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<br /> �''''�''{'x'��-''- limited vartadons by jutisdiction to constitute a ualform sQCUt1ty insuument cover�ng ceal ptoperiY• _�-���,��
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<br /> r .. � UMFORM G�OVENANI'S. Botrower and l.ender covenant and agnee us followA: �,�.sw�s�r��: =
<br /> - - .� '� a. Payment of Prindpal andl Interest;Pr+epuyment and I.ate Charga. Bor[ower shaU ptompdy pay when due the �
<br /> principal of and iaterest on the debi evidenced by the Note und any prepayment aad lute charges due under the Not�. m���-�;T�;_
<br /> � '. . � 2. II+luads for Tiaxes nnd Insurnnoe. Subject to applicAbte law or to a wrttten waiver by Gender.Borrower shaU pay to .„tR J:,�,;,-_
<br /> . Leu�er o�x C@e day monthly payments are due u���cr Lke*I�te,nntil the Note is d in fuii.a sum("Fl►nds'7 for.(a)yearly '''��
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<br /> Eaxes aad�nents which may susiin priorlty over this Securiry[nstrument as a lien on the Pra rty:(b)yearly teasehoid •, ,»,:�
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<br /> gaya�nks �r g�rr.d r¢tt1s on the Pro rty. if any: (c) Yearly hazard or pmperty insurance p�miums; (d) Yea*ly tlaod . , .. .__.._:.:�:�;.�;�,..
<br /> � able b Borrower to ;:-•$;i�:"� '��'�" �'
<br /> �, ansura,�e �ee�irzcas.�.��ny: (e) Yearly mort�ag�insuran�oe nremiums.if any: and (�any sums PaY Y = ` -,�c.r��:;,;�'',..:
<br /> �a,������v�rzth tlte pmvEsions of parIIgra,�h$,in li,eu of the payment of mon$age Insurance premiwns• 7liese . {_.,- ::-•. '
<br /> � ° it¢au am cz�t�isd"h�srn�w ltems." 6xcr.d,�r may,at any nnr�.ccrll.ec�and hold Funds in an amownt nat to eaceed the mauiraum �.• ..Y� '
<br /> amouaoe a Ae�er far a i�oderatl �la.wd %ort e lozn rr�asy z�oqui►�e for Borrower's escrow aocount under the fede�al Real ' . �=�'����
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<br /> ° E s t a t e S e t t lement Y�oc¢dures Act of t474 as amrecr d!�d f y v u z fi.r►ne co dme.1 2 U.S.C.§2 6 0 1 e r s r q.("R E S P A"),u n l e s s a n o t h c r ., .,,�;�`��:,,=
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<br /> � • law that applies to t�l�ztds sets a tesser amaunt �f.�.1.,e�.�er may,at eny time,collect and hold Fau d s i n an amount noi to ,.:��._ •�_�_s.-�_.�.
<br /> . eaceed the lesser amounG Lender may esd�t¢ ��.e a.�zount of Funds due on the basls of cucnen�d�ta and masonable _ __'°_
<br /> esdmates of expendiaues of futune Fscrow Items or o��xrwise in accordance wlth applicable law. � .------
<br /> � �2 Funds shall be lteld in an institudon whose deposiu are insured by a federal agenc}�.insuum�ntaliry. or entity ;. -.,,r.-.2.�_�..
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<br /> �4 (irtslnc3ing Lender,if Lender is such an Instltuuon)or in any Pederal Home Loan Bsrnnk. Lender shaU apply the�nds ta pay �}
<br /> plha�scrow Items. Lender may not charge �ur.zower for holding and applying the Funds,annually analyzing the esc�w �--
<br /> Account,or verifying the Escrow Items, unless Il.ender pays Borrower interest on the Funds and applicAble law pernuts • �'�":__.�..��`�-.'-_-"
<br /> � � � Lender to make such a charge. However,Lender may require Borrower to pny a one-time charge for an independeat real y;�.; �"'�
<br /> estate tax reporting servicc used by Lender in connection with this laan,unless applicable law provides othenvise. Unless an ;?,_,,, • �_��—_
<br /> � ., agreement is made or applicable law requires interest to be paid,Lender shall not be requi�ct to pay Barrower any interest or ..�..._-_
<br /> eamings on the Funds. Borrower and Lender may agee in writing,however,that interest shall be paid on the Funds. L.ender ., � —
<br /> shall give to Borrowcr. without charge,an annual accounting of thc Funds,showing credits and debits to the Funds and the
<br /> ,. putpose for which each debit to the FLnds was mude. The Funds are pledged as addidonal security for al!sums secured by �;��'
<br /> this Security Insaument. , ' -..
<br /> ;� ; If the Funds held by I.ender exceed the amounts permitted to be held by applicable law. L.ender shall account to „
<br /> • Borrower for the eacess Funds in accordance with the requirements of applicable law. If the amount of the Funds hetd by g �'
<br /> • I.ender at any time is not sufficient to pay the Escrow Item�when due,Lender may so notify Bamower in wrlting,and,in . �,
<br /> such case Borrower shall pay to Lender the amount nec:essary to make up the deficiency. Borrower shall mai:e up the ,. ��:
<br /> �� • deficiency in no more than twelve monthly payments,at Lender's sole discretiun. ' ,;:5;� .•
<br /> ,��;;`�4�, Upon payment ir�t'ul1 of all�ums secumcl by thi�Security Inswment,Lender shall prompdy refund to Bocrower any , : ; ..,t�„
<br /> ' •.;r� '+,! Funds held by Lender. If,under paragraph 21,Lender shall acquire or sell ihe Property,Lender,prior to the acquisiaon or . �• $
<br /> . � •,;,..�;�;�;�,.���ft sale of the Property,shall apply any Funds held by I.ender at the time of acquisition or sale as a credit against the sums , ��:4:�'..,�Y.
<br /> � ' secured by this Security Instrument. :�1�`�::lT;�
<br /> 3. ApplIcaHon of Payments. Unless applicable luw provides otherwise, all payments received by L.ender under �,�' 'G�
<br /> � • � paragraphs 1 and 2 shall be applied:first,to uny prepuyment churges due under the Note;second,to umounts payable under ��,F�A
<br /> paragraph 2:third,to interest due;fourth,to pdncipul due;and last,to uny late charges due under the Note. .. " .�--
<br /> 4. Charges; Liens. Borrower sha11 pay all taxes, assessments,charges, �nes and impositions uttributable to thc =�,��
<br /> ' Property which may attain priority over this Security Instrument,and leasehold payments or graund rents,if any. Borrower ��/,
<br /> ' shalC�+ay these obligations in the manner provided in paragraph 2,or if not paid in that manner,Borrawer shall pay them an '
<br /> time directly to the percon owed payment. Borrower shall pmmptly fumish to L.ender:ill notices of amaunts to be paid under ,
<br /> � this paragraph. If Bc�::vwer makes these payment�directly, Borrower shall promptly fumish to Lender receipts evidencing .`.
<br /> , the payments.
<br /> 6orrower shall promptty di:�4�arge an} li�rn�ti•hich has priority over this Security[nswment unless Borro�ver.(a)agrees
<br /> in w�riung to the payment of the o'h7igation secuced b��tfie fien in a manner acceptable to Lender,(b)contests in ge�d faith the ; ::;: . ':-
<br /> ' lien by,or defertds against enforcert���t of the Gara in.legal Froceedings which in the Lender:apinion operate to prevent the :;"'�'>• ��•���.
<br /> enforcement of the lien;or(c)secures from[he�c�7drr of the�ien an agreement sutisfactory tu l,ender subordinating the lien �°;
<br /> to this Security InsttumenL If Lender dMermen�> ti�at any past of the Property is tiubject to a liert���`.tuh may attain priority • ; : {�;
<br /> �• over this Security Instrument,L.ender may gice Buc�ower a ne+lue identifying the lien. Borrowrr.h:�I.at:sfy the lien or take ,`�, f�f.1,...1;:.
<br /> t� one or more of the actions set forth abo�•e within 10 days of iCee;�••ing of noticr. ` �
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<br /> 5. Hezard or Property 1nse��ar�ce. Borrower chall llct�r.l�e improvement.now zRi.ting ur hereafter erect;C�m.efte �`�:•��•,,r.;�'�:;';,'•;,
<br /> Prope[ty insurrd against los�by fire,huard+included within tP�term"extended coveragr"ar�d any other ha�ard+.irtcl:u�eag � ��'`�'�°-
<br /> floods or flooding.for which Lender rcyuire.in,ur:tnce. This insurauce �hall tx: maintained in the araount�artd tiot the � �?•
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