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<br /> TO�iETH�wR WIT'H uU tho improvements now ua Itereafter er.,ctcd aa the proparty,cu�d nll ensements,�ppucusnunces, �- __s -___
<br /> �.�,�.� und fixhares rtow or hemufter n�Art of thc property. All repincemenu and edditiona shnll�lso be coverect by thle 3ecurlty � —
<br /> ' Instrumen� AII of th�foregoin�ie referred to in this Securiry Iastrument as the 'Property.' ��== '
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<br /> x�,,;;;�_.�•��� BORROWSR COV�NANTS thut Botrower is lawfully seised of the cstate hereby conveyed and hsis the�ght to grant ____.___. —
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<br /> � und convey the Pivperty end thut the Pmperty is nnencumbered.except for encumbmnces of record. Borrawer wsurants und —f___-
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<br /> :�"�'�""�' will defend IIenerally the dtle to the Pcoperty egeinst�il claims tind demands.subject W any encumbrnrtces of recond. -___- _
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<br /> y #-y���'L'�,•I, �i�(�arin�on byi jurisdIcti n o consdt te a uniform security incstrun►ent cover[n real property n�u n i f o r m c ov ennnt�wtth ��t� �._---_ _
<br /> ��W f . ;':-� ' UNIr�URM Cl)VEATAAiTS. Bormwer and Lender coveuant arid egeee as faUaws: 4_��`''�'"Q`�'''�'
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<br /> � .. � �. . l. Payment o?Prtucipal and L�tee+est;PrepaYment ecd Late Chargea Borrower shull prumpdy pay when due the :�.sp'.t -;.s��
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<br /> � � .� � +: princi of and interest on the debt evtdenced by the Note and any prepayment and latc charges due wtder the Note. .• 4 z�., .
<br /> � _ s� �F u n d s far'l l t xes un d I n�urnrtce. S u b j e c t t o a p p l i c a b l e l a w o r t o a w ri tt en waiver b y L.ender,Borrower shall puy to
<br /> �'�" � Lender on the day monthly paymenus are due under the Note.nnnriY the Note is paid in full,a sum("Auids")for. (a)yearly �;:.::'
<br /> � taxes and assessments whlch may attaln prlority over this Security Ineuument as a lien on the Property;(b)yearly leaschald r;;,,_�,. � -_
<br /> - . t payments or ground rents on the Pmperty. if anY: (�) Yearly hazard or property Insutgr►cc pnemiums: (d) Year1Y flood ''.... :
<br /> ' .�� lasurance premiums.if any: (e)Yearly mortgage insuraace premiums. if any: end(� any sums payable by Bomower to :�. :.��:,., _
<br /> ;. Leuder, !n accoidance wlth the provisions of paragraph 8.in lieu of the payment of mort$age insurancc premiums. These
<br /> , iteu�s are ealled"Escrow Items. Lender may,ac any�e.collect and P�old Fands in an amount not to exceed the mmxi�wn ; •, •r°- -
<br /> _ . '�;-';�• amount a lender for a federaUy related mort�age lo�an m�ay�aluiffe fo�r Horrower's escrow account wedeff tII�e fedeffal�eal : ". .,
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<br /> , .. -� Estate Settlemsat Procedures Act of 1974 as ame�ded from ti�e to wne.12 U.S.C.§2601 et seq.("RFSPA").unl�:ss ano¢her . ,.��s�yY.;..�-'-
<br /> - ' .•-�>"' �� - taw Ihat appUes to the II�unds sets a tesser amunuiG If so.I.ender rr�ay,ae any time,coUect and hold FLnds iea an amo�uet not to ' � _ :
<br /> 7 �! �"""° � eacced the lesser amounG Lender may estlmate the aneount of FuncDs due on ihe basis of current daia and �nable . . , �'•'��"��•=
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<br /> �" ' estimates of expendltures of fi�ieu+s Escrow Ite�s or otherwise in aceordamce wi W aFp l i c a ble law. .a`,,�sf:�.;».�__
<br /> �� •._.�F�;;;;:: . The Funds shall b8 held 'na an insdtution whose depasits ae+�insnued by a fed�ral agency, instrwmentality,or entity M'
<br /> ; ��;s;+t:�.� � (Ltcluding Lendxr,if Leader is such an iastitudon)or in any Federal Hame I.oan Bank. I.ender shaU apply the Fundls to pay r.. .
<br /> �.'r�'�:;''`"`;�';.•. ;• the Escrow Items. l.eudsr may not charge Borrower for holding and ap�lying the F�nds.annualty a�naLyzing the escrow , ,,��.: . •:°�':
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<br /> ' � . ��s;.�,.� accoun�or verifyir�g the Escrow Items, anless 1-ender pays Borrower.�r�:erest on the Funds and ap�plicable law permits �,;,•. �;_;�::
<br /> I.ender w make such a charge. However.Lender may require Sotrov�rcr�io pay a oae-dme charge for an independent real � • '"�1��°�''
<br /> ' estate eax mporting service use�by Lender in connection with this Aoan, unless applicable law provides otherwise. t3mless an • ;,y°�,,.'�.``�
<br /> agreement is made or applicable law requires interest to be paid,Lender shall not be require�i to pay Borrower any inYerest or ' i• • =--
<br /> camings on the F�nds. Bornower and Ixnder may agree in wriang.however,that intes�est shall be paid on the Funds. I.ender �
<br /> • shall 've to Bor[ower.witttout charge,an unnual accoundng of ttne Fu$ec�.c,showing credits and debits to the Funds and the =,��r��,:�
<br /> _ � purpos�e for which each debit to the Funds was made• The Punds are g�Ite,;.lgod as additional security fop all sums secucied by ";�`�•.�"?'�
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<br /> �,,,�;�: > `:�. thisSecuriry lastrumenG �.,,. - `
<br /> �`��' ff the Funds hetd b L.ender excced the amounts perntitte,�to be held by applicable law. Lender shall account to ,.. ;;r,•, � ,
<br /> :•�,;:.,s;, y `ield b ;�,� ..,
<br /> � ':��; �'�'�••� Borrower for the excess Funds in accordance with the requiremenu of applicable law. If the tunount of the FuneLt , y `�j, ,,,,s;� �;"+, � �
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<br /> „ . �,�,. Irtmder at acey ume is not sufficient w pay the Escrow Items when due,I.ender may so notify Boirower in writimg,and,in
<br /> .. •�7� such case Botzawer shall pay to Lender ttte amount necessary to maece up the deficiency. Borrow�r shall make up the ��� J , ,•'
<br /> � ''i�' deficiency in no more than twelve monthly payments,at Lender's sole cZnsceetion. .'� �� i
<br /> , Upon payment in full of all sums secured by this Secusaty IansuuQmeo�t.L.ender shall prnmpdy��¢and to Bonower any ;, o
<br /> . Punds held by Leader. It;under paragraph 21,l.ender s�ha71 accja�5n or seU the Property,Lender,prior to the aG�uisition or : �;=�'". '
<br /> sale of the Property,shall apply any Funds held by Lender az the time of acquisition or sate as a credit against t➢ee sums � _,
<br /> sec�c�ed by this Security Inshument " ..V�
<br /> " 3. Application of Payments. Unless applicable law provides otherwise, all payments c+eceived by Lender under
<br /> paragcaphs 1 and 2 shall be applied:first.to any prepayment charges due under the Note;second,to amounts payable under • * �
<br /> � ��.,;,.'�;.: paragraph 2;third,to interest due;fourth,to principal due;and last,to eny late charges due under the Note. �
<br /> ;;:-j:;�',,_;,•�. 4. Charges; Liens. Borrower shall pay all taxes, assessments,charges, fines and imposidons�ttributable to the �l�-�
<br /> '�;t�;.;_��. '_ Property which may attain priority over this Security Insuument,and leasehold payments or ground rents,if any. Borrower �%
<br /> '�;':<:: ;'+; , shall pay these obligations in the manner provided in paragrap h 2, or i f no t pai d in t h a t m a n n e r,B o t r ow er shall pa y them on
<br /> `ti"���%� ' ��� time direcdy to the person owed payment. Borrower shall prompdy fumish to I.ender aU notices of amoants to be paid under
<br /> �`��' this paragraph. If Sorrower makes these payments direcdy.Bomower shall prompdy fumish to Lender receipu evidencing
<br /> . ,.�r ..
<br /> ,;;i�; � the payments.
<br /> � ' ���r�` � � Borrower shall prompdy dischazge any lien which ha�priority over this Security Insuument unless Borrower.(a)agrees ,
<br /> I'�'��;J�� in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,(b)contesu in good faith the �• ".,-�
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<br /> � ;•';%,t��' lien by,or defends against enforcement of the lien in,legal proceed'mgs which in the Lender's opinion opernte to prevent the ,;,.i.:;�,;�;.,.
<br /> • enforeement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien '•i ,;,�y�:;�
<br /> , ..,;�`•�� to this Security lnswment If Lender detecmines that any part of the Property is subject to a lien which may attain priority � �
<br /> ':;��?;A:. ' over this Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take , �. .
<br /> • ' °'�'�� one or more of the actions set forth above within 10 days of the giving of notice. ' ' �"��.
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<br /> '• ;'-,'•::=�. � 5. Hazard or Property Insvrance. Borrower shall keep the improvements nv« existing or hereafter erected on the � �,,.,.�.
<br /> '�'•'° Propeny insured against loss by fire,haza�ds included within the tem►"extended co�era�e"and any other hazards,including (
<br /> 7:��,�4 floods or flaoding,for which I.ender requires in�urance. This insur�c� shall be maintained in the amounts and for the � . •;z�'',
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