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<br /> - J'Qt3RTHBR WITH ail the improvements now or hereafter ert�ctod on the pmperiy.and ull eusementa�appurtenances,urzd
<br /> -""��=�?''�'�� flxtures rtmv an c�reafter a part �f the pmperty. Alt repleflcmenta und udditions ahall also be wvered by this Secudty
<br /> -�=g:"`•4�"� Instrument.All of thc fomBaing iF refe�red ta in this Securiry Instrucnent as the"Propeny.'
<br /> � _:.�..,;��, BORROWEIt COVENANTS that Horrowet ia la�vfully aeised of thc estato iiereby c�a�vdyeJ and han thc rigi►t tu gri�it�uid
<br /> --_:.„�,.�...�... _
<br /> -_�_-•_- convey the Propeny und that tke Property is unenwmbered.oxeept far encumbranec.w�f record. Borrower warrants uttd wiil -
<br /> =�� �''"�'�''°`-*� defend enemll ihe tiUe to tho Pm 2rt u uinst all claims und demands.sub ect ta an encumbrances of recard. �-��----=--
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<br /> ��'''�':'�' THIS S�CURITY INSTRUMEIVI'combines unifarm covena�itx for natianal use und non-uniform covenunte wlth limited
<br /> - ��.�?�°R��^, vuriations by jurisdictlon to constitute s►uniform security instrument coverinb real property. —_ -�
<br /> -:�'����� �� �M UNIFORM COVBNANTS.Barrower and Lender covenant end u n,o a+ fulluws: � -�� -
<br /> �r=_'-�e�,+" .•* � • _._--_ --=-
<br /> ='��.+�:�'.. l. Payment of Priacipul and Inter�t; Prepayment ond I.rate Chaey�cw. Borrowcr shull pmmptly pay when due the
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<br /> -� ' •�'"�° ' pr3ncip�l of and interest an the debt evidenced by the Noto and un�prepayment und lute churges due under the Nate. �•-� -
<br /> � S'�' S �a tt—_-
<br /> �.�.g�����, a. Funds far Taxes end Insurance. SubJert to applicnhle low��r m a wrltten wnivar by I.ender. Borrower shall pay to � �.
<br /> , ,,. • ,; '� Lender on the day manthly payments are due under the Note.untit the Note is pnid in full.a sum("Funds")for: (a)ycariy taxes � _ �� _ .;.= _
<br /> ..�
<br /> ' � end assessmen�4 which ma attain riorit over this Securi Instrument us a lien an the Pro rt ;(b)yenrly leasehold ayments —'-`�n't'-
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<br /> ,�.. -;��''<.�`: �• or gmund rents on thc Property.if any;{c)yearly hautni or property insurance premiums;(d)yeurly A�ocl insurance premiums, ,:'" ~: .;'y�,,�.,;;�-=��
<br /> � !f any; (e)yearly mortgage insurance premiums.if any; and (�any sum.s payable by 9ormwer to Lender, ln acrnrdance with � v, ' � f'�=":
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<br /> the provlsions of paragrsph 8,i.n ti.eu af the ps�yment of mortgage insurance pmmiums.'fhese items are called"Escmw itema." t.;:s �• �.�:-
<br /> L.ender may, at any ti�ne. rnitax a�id hold Fun.ds in un amount nat to exce.ed the ma�ci.mum umount u lender for a federally °• • j,� ,,�.�.:'
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<br /> related mort e toan uire for lBoerower's escrow account u�der the federal ReaJ.Estate Setttecnent Procedums Act of ' �� �'«
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<br /> 1974 as amencfat from ti►xte to eirrte. 12 IJ.S.C. Section 260�t cr seq. ("RESPA"),unless aucoc[ter taw that a.pplies to dte Fuad.s � � •+';,��r:---
<br /> ' •� `' sees a lesser amoun4. If so, Lender may, at�ny ti�tte, rnllect and hold Funds in un amount ktot co excoed the lesser a,�nount. k� =
<br /> ' " � I.eRder may escimate the amount of Fnnds d�ce on the basis of current data and reasonable estimates of expenditures of future v
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<br /> " Escrow Items or otherwise in accordance with applicable luw. _
<br /> �' .� The Furtds �te��[ be held in an institutian whose deposits are insured by u fedcral agency, instrumentulity, or entity ;r,' �+"�`�"`����,�
<br /> (including I.enckr. iF i,ender is such an institution)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the ° 4.,��L!�w'
<br /> ' , � •' Escrow Items. I.cnder may not charge Borrower for holding and applying the Funds,annuAity analyzing the escrow s�ccount,or '
<br /> � .,; - verifyier,g the Escrow Items,uniess I.ender pays Borrower interest on the Funds and appficahle law permits l.ender to make such "'�'���
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<br /> . a cP�a�ge. However, Lender may require Borrower to pay a one-time charge for an indepc:ndem real estate tax reporting servire •��r
<br /> �. used by Lender in connection with this loun, unless applicabie law provides othenvise. Unies4 nn agreement is made or .. �'����
<br /> ' � = appticable law requires interest to be paid, L.ender shall nat be required to pay Borrower any interesl��r eamings on the Funds. . ^`�
<br /> �' Borrower and I.ender may agree in writing,however, that interest shall be paid on the Funds. L.ender shall give to Borrower.
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<br /> ��.� withou[charge, an annuul accountin�of the Funds, showin�credits and debits to the Funds and the purpose for which each
<br /> " "�'U � debit to the Funds was rtiade.The Funds are ptedged as additional security for all tiums secured by this Security Instrument.
<br /> , ,. � lf the Funds held by L.ender exeeed the atnounts permitteet to be held hy npplicable luw, Lende.r shall uccount to Borrower .
<br /> . for the excess Fnnds in uccordance with the requirements of applicable law. I(the umount of the Funds held by Lender at any ' , s'
<br /> ;, , time ic not sufficient to pay the F_scrow Items when due, Lender may so notif'y Borrower in writing, nnd, in such case Borrower � ;,�,,. _r• ,
<br /> '"�t+'��t�" • � shall pay to Lender the umount necessary to make up the deticiency. Bnrrower shali make up the drficiency in no more than �.`���;:'''S • `
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<br /> .���"`,')�`';;,'.'� ;; '". twelve monthly payments, at L.endcr's sale discretion. ����`�:".;��• '-
<br /> �� Upon payment in full of all sums secured hy this Security Instrument. I.rnder shall prompNy refund to Borrower any : �f
<br /> „ Funds held by Lender.If, unJcr purugruph 2�, t.ender tihall ucyuirc nr tirll the Property.[.ender,prior to the ucquisition or sale ;i��'.=:
<br /> - of the Property, shull upply any Funds held by L.ender at the time��f ucyuitiition or sule ax u crcdit ugainst the sum+�ecureci by . �� ,r. ~��
<br /> � . this Sccurity instrumcnt. ' �•,,�'',,'"- "
<br /> 3.Appllcatlon of PAyments. Unless:tpplicable I���-pro�ide�otherwitic, all paymrnt�r.ceived by l.ender under paraeraphs �� °%�'a�-` j����
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<br /> 1 and 2 tihall be applied: fint, to any prepuyment churges duc under the Note:scrund.tn amnunts payable under paraeraph 2; . �,.�;lt���;�:�.
<br /> . third,to intcrest duc: fourth.tu prinripal duc: and I,ist.to uny latc charge�<iu�midcr thc Notc. ,_:';�f,. :;',t;,s!.:,:.
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<br /> ::'�:.:�,• .. . 4.Charges;I.lens. Borri�wcr�hull pay� :�II t,�.re�. a�tie.rtiment�. chargc.. rinrs and imFx�tiitions attributable t�•thc Property °' ., .•.,.:,,�
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<br /> �,t..,�,, , which may attain prioriry ovcr thi4 Srcuria} ln.trument, and leasch<�Id pa�mcnt. or trnund rents, if any. &�rroN�er shall pay � {��,�.,;��,,;,;,
<br /> • '.a these obligations in the manner�n.�idcc!in paragraph?,ur if not paid in tl�at n�anner, Hnrruwcr.hall pay them un tinu directly �+'���,�,,;a ,� • "'
<br /> to the non uwed a�ment.BurraN�rr>h:i11 r��m Ur furni,h ta Lendcr:�1�n��ticr�uf amnunt,tu hr aid under this aru ra h. �" � ���'�X�=:•
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<br /> If Borrower makrs the�e paymentti directlp. A��rr��wer,hall prumptl�• !'urni.h[��LrnJrr rereiptti r�•idencing thr payment�. .
<br /> , BorroN•cr,hall promptly di,chargc any li.n�ehirh ha�priorit�•o�cr thi.kruriq Intitrum�nt unlc��Borrax•cr:(u)agrcer in • �'.',��;;'�,;,<,�
<br /> writing to the paymcnt of thc uhligatiun���cureJ hy thr licn in�manncr x:r�ptablr to l.cndcr: 1h1 rontr�t�in gaxl faith thc licn . �
<br /> . • by. ur defend� again�t cntimcment u1'the licn in. Icgal pr„rredinL, a•hirh in thr I.endrr'� opinion operate to pre�•ent the � . ,
<br /> ,, enforrcmem�if the lirn:or tr).crurr,1'ram thc hulder uf th� li�n an a�rrcm�m,ati.fara�r� t�,LrnJcr,ulxirJinatin�: thr licn tc, .';t
<br /> this Sccurit Instn�aicnt. IC l.�ndcr drtcnninr• T�tiI 70\' �fI uf tl�c Pro �rt� i.,uh��.t w a li:n ��hirh m:�� auain riurit avcr ' ':'...
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<br /> ,:,�';� this Security ln.�rument. L.end�r mu�•giec B��rrc���cr a n�uire iJrntil�•in,• in: l�;n. Hurru��rr�hall �ati.t'� thc licn or takr one or '
<br /> i'� ' m���r.st i::a:tir.a.:�Ct tifrth.ih.��:�rilhin 10 da�'.uf thr Li�iu��if natirr. i
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<br /> • 'i form 3028 9190 I ' ,
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