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<br /> _ T'OGATHRR WITH ull the impmvements na��cu hereafter erected on tha property.und�Il et►s�mentg,t►ppurtennnces.
<br /> --��`� and Sxtures nu�v or her�attor n part of 1he propeny. All repla�ements aad additions shnll tilso t�covered by this Security _
<br /> -=M � Inswment. All af the foregoing!s refemd to in this Security(natlument ns�he"Froperty." —
<br /> .;���=�u��. .., ---
<br /> _ _-�,,;�,,,;,,a,:; BORRAWRA COV�iNANTS that Hotrower is lowfully selsed of the estate heneby conveyed and hos the right to gmnt --
<br /> .-,,;�::�r and mnvey tha Aroperty and thnt the Property is unencumben�d,eacept for encumbrances of record. Borrower war�nnts and
<br /> ' •� .,� wiU defend genemlly sAe tItle to the P�+nperty nguinat ull clolms and demands.subject ta any encumbmucxs of rerord. �'__�=-=-
<br />- °;.�* ', ��; TH1S SBCi1ELTTY INS?RUMEIJT combtnes uniform covenants for naUonal use and non•uMform covenEUtts with =� —
<br /> • limited vtuiadons by jurlsdictIon w wastitute a uniform security insuuraent covering mal pmperty. w��.-_=::-
<br /> Ir�--
<br /> _ UMFi3RI'�i COYSf�iANTS. Sonow�a s�td Lptdt7 coveisoui asld sgTee 3s foUot!rs: �,-- _
<br /> ' i. Payment of Prtncipal and Intet+est;Prep�yment and LaQe Cl�argea Borrower shuU pmmptly pay when due the '"--
<br /> pdncipal of nnd interest on the debt evIdenced by Ihe Note and eny prepayment and late churges due ander 1h81Vote. �'
<br /> 2. �lutds for 11�xes ond Insurance. Subjert to appUcxble law ar to a written waiver by Lender.Horcnwer shall puy to �-'�`�
<br /> I.ender oa the day monthly payrnents are due uader the Note,undl the Note is paid in fuU.a sum("P1u►ds")far.(a)yeariy �r�'� -_
<br /> � taxes and assessments whicd may attain prlority over thIs Security Iastiument as a lien on the Ptoperty;(b) Yearly leasehold �--�_�
<br /> p Ym Bro PertY• if any: (c) Jearly hazard or property insursace premiums: (d) Y Y �`_
<br /> a ents or und mats on the Pro � earl Aood s�..�—
<br /> , insurance premiwns.if any; (e) yearly mortgage Insurance pnemiums.if any:aud(� angr sums payable by Borrowep to
<br /> - Lender,in aocot+dance with the pmvisions of paragraph 8,in Ueu of the Qayucent of iatoccgaq�e i�surance premiums. These -
<br /> r
<br /> . �,. items are caUed"Escrow Items." I..ender may.at agi�y dme.collect aad aotd�ds in an a�avunt not to exceeQ the meximum �;v__
<br /> " " ' amount a lender for a federally related mortgage loan may requiue for�osmvrer'S es�cmw aacount under tbe federal Real �._
<br /> Estate Settlement Procedures Act of 1974 as amended from time eo time.12 4T.S.C.§2601 ex seq. ("RFSPA"),unless another ._
<br /> • . . Iaw that applies to the Punds sets a lesser amount If'so,L.ender may,at any ti�e,collece and holc�Furads in an amouat not to c`-•`_
<br /> , •• exceed the lesser amount I.ender may esdmate the amount of FLmds due on tLte basis of cnaner�t datn er�d reasonable ��"�'"'"
<br /> � estimates of expenditunes of futur�e Escrow It�ms or othenvise in accordance wiah applicable�aw. -��;�;�,
<br /> " The FLnds shall be held in an iastitution whose deposits are insuned by a federal agency,ins¢eumentaltty. or enHry �'�''
<br /> �_:-_
<br /> „ ' -� (including I.ender,if Lender is such aa institution)or In any Feaeral Home Loan Bank. i.emder shall appl��mhe Funds to pay _
<br /> the Escrow Items. Lender may not charge Borrowet for holdiag and applying the Furtds, �mually analyzing the escrow '�"-
<br /> f, �°_`-'_`.:o.
<br /> account,or vetifying the Escrow Ie¢ms, ualess I.ender pays Boirower interest on the F�nmcts�nd applicable I�w pemdts �,.,..�_
<br /> Lender to make such a charge. fflav�rver,Lender may require�orrower to paX a one-time charge for an independent real ,�_r
<br /> estate tax reporting service used by Lender in connection with this loan.unlesc�ppljcable law provides otherwise. Unless an --'_ --
<br /> agteement is made or ap�rnlicable law requires interest to be paid Leader shalD n�t be tequired to pay Bomnwer any interest or `�
<br /> � , earni�ngs on the Fumds. i3omower and Lender may agree in wridng,however,that intemst shall be paid on the Funds. L.eader '
<br /> shal!�ive to Borcower,�vithout char�e,an annual accounqng of the Funds.showing credits and debits to the Funds 2unJ the �•-
<br /> - ._--::_:.
<br /> pur�uice fnr which rarh dehit to thF Fundc wnc madP '�'�r F��pr�c�.ir�+lrr)oP�l�c a�l�ljn�nal .esnriry for all cums sectaur:y by �-r _
<br /> _ _=--
<br /> this Securiry InsUument. E_��•.._._
<br /> If the Funds hel�9 by Lender exceed the amounts pertnitted to be heic9 '�� applicable law. Lender �":a:,eCCO�AY t0 °'-"�'"
<br /> . Borrower for the excess Funds in accordance with the myuic+ements of applicabT�law. If the amoun¢of eP�:Funds held by `'
<br /> • ' Lender at any time is not sufticient to pay the Escrow Items when due,L.ender may so notify Borrower iu���ridng,aad.in �=
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<br /> ,,,c�,.:.��{ suc6 case Bomower shall pay to l.e��er the amount necessury to make up the deficiency. Borrower shall malce up the °�- _
<br /> '�� ".�• deficieac�: in no more than twelve r�nn�hly payments.at I.ender's sole discreti��n. °.3=°_='-
<br /> ' �'������''' U �n ment in full of all sums secured b this Securi lnstrument,Lender shall r.�m d refund to Bomower an �v�
<br /> .•;�:;.�i;� t� PaY Y �5' P " P Y y ;:�. --`_
<br /> Funds held by Lender. !f,under paragraph 21,Lender shail acquire or sell the�roperty.Lender.prior to the acquisition or
<br /> , salP of the Property,xhall apply any Funds held by Lender at the time of acqu��ition or sale as a credit against the sums •�-�
<br /> �l`'�s securedby this Security Instrument. - --
<br /> ' ��`�' 3. Applicatlon of Payments. Unless applicable law pmvides otherwise, all paymenu mceived by I.ender under -
<br /> ;'•,;�.. • . .
<br /> �•�;;�_:,,,�; paragraphs I and 2 shall be applied:first,to any prepayment chaa�ges due under the Note;second,to amounts payable under �
<br /> ' :�;�,���:�:. � paragraph 2;third,to+nterest due;fourth,to principal due;and last,to any late chazges due under the Note. -
<br /> ,.�.:�j;��, ,. 4. Cherges; Llens. Bornower shall pay al! taxes, assessmenu,charges, fines and impositions atuibutable to the „ _
<br /> ' ;i�•���t�" Property which may attain priority over this Security Instrument,and leasehold payments or ground renu,if any. Borrower ° �_
<br /> • -� �.;•',r. �
<br /> �•••�� �'�,yr,� shall pay these obligations in the manner provided in paragraph 2,or if not paid in that manner,Borrower shall pay them on ;;':
<br /> time cDirectiy to the person owed payment. Borrower shal!prnmpz:y Eurnish to Lender all notices of amounts to be paid under
<br /> this para�raph. If Bomower makes these payments directly,Borro��•er shall promptly furmsP�to Lender receipts evidencing "'`��.`
<br /> �,�`���•••� the payments.
<br /> Borrower shall promptly discharge any lien which has priority over this Security lnstrument unless Borrower.(a)agr+ees
<br /> in writing to the payment of the obligation secumd by the lien in a manner accep:abie to L.ender,(b)contests in good faith the ;
<br /> � lien bv,or defends against enforcement of the lien in,legal proceedingt which in the i.ender s opinion operate to prevent the '�
<br /> ' ;}����� enfor�:ement of the lien;or(c)secures from the holder of the liera an agreement catisfactory� to Lender subordinating the➢ien �
<br /> ' ' to this Security Inswment. If Lender determines that any part of the Property is subject to a lien which may attain prioriry !
<br /> ���'���:?� ' over this Security Insuument,Lender may give Borrower a notice identifying the lien. Borrmwer�hall satisfy the lien or take
<br /> ' one or more of the actions set forth above within 10 alays of the giving of notice.
<br /> ;�;;;. 5. Hazard m�F°roperty Insurance. Borm�v�r�hall keep the improvements now existing or hereria�:r 4rected on the . -
<br /> , . Property insured against loss by fire,hazards included within the term"extended coverage"and any other hazards,including
<br /> flood. or floodin , for which L�ndee re uires imunmce. '�hi. +nsurance shall he maintaimed in the amr��mts und for the `����"
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