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<br /> --- -� TOti6THEIt WITH ull the improvem�ntx now or hen�l�er anacted on tdo properry,�Y,II ensementa.appurtenunccs,and ---
<br /> — lixtures aow or hereaftEr o part of th, pmperty. A�t eaplacementa and additiona sha11 alsn ba oaveted by thia �c�curity
<br /> --------= Instn�ment.All of the foregoing is refeered to in this Security Inatrunient�s the"Froperty,"
<br /> ��-�^�^ ��°:�: B�RItOWBR COVENANTS that Borrovier is luwfuliy seised af the estata hereby cnnveyeti and hns the�ight to}�nt und
<br /> __-�—_�.= convey tho Prop�rty and thax the Property is ur.encumbere�l.except for encumbr�nces of recard. aorrower wamsnts und will _
<br /> ,.�,,�fMM,,yi�::�rt3:1=-r defend gener111y the titlo ta ihe Property agninst all etaims and demands. subjcct to any encumbmnces of rerard. —
<br /> THiS S�CURITY INSTRUMBI3T rnmbine.g unifarm covenants for n�tional use nnd non-u�iform oovenants wi[h IimltcA
<br /> ��'d`zi"``'=�"�'"'-`'`""=`'� variations by jurisdtction to constitute n uniform Eecudry inst�ument covedng reat property.
<br /> UATIFOI2M COVBNANTS.Barrower und Lender cavenant and agree as followR:
<br /> Xss,�*�, � � 1. Any=nent of YMncipnt und Yntemst; IP[epayment tuid Late �harges. Borrower sha{I prompt3y pay when dua thc �
<br /> '�' �►ri�cipal of a�interest on the Aebt evidencod by tho Note and any prepayment and late charges due urtder the Note. =____ ,
<br /> ;�.l�,,w,,•,,,,,..._.,�,. 2. I�ndt for Tsuces and Itesurance. Subj�ct to appiicAbte law or to a wdtten waiver by Lender. Borrower studl pay to �
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<br /> =-'�?t;'' �' � '" Lender on ths day monthly payments arc due under the Note.until the ATciie is paid in Poll.a sum("Funds°)for:(a)yearly tazes
<br /> _...st.:� '
<br /> and assessments which may attain priority over this Security Instrument as a lien on the Property;(b)Year1Y les�sehold payments
<br /> ?��`'�,°:,.. -ti or ground renta on the Property,If any;(c)yearly hazard or property insurance premiums:(d)yearly floai insutance premtutns, =-----
<br /> ';-�:�:;':`:: , if any:(e>yearly mortgage insurance premiums.if any; and(� any sums payable by Borrower to I.ender. in accordance with �-`"�`���F
<br /> '��-'�>� ' the provisionsof parngraph 8. in lieu of the payment of mortgase insurance premiums.l'hese items are called°Fscrow Items." -
<br /> `,�' � I.ender rnay. at any time, collect and hold Funds in an amaunt not to exoaed the maximum amount a lender far u federally =- ____
<br /> � related mortgage laan may require for Borrower's escrow account under th�fedet�al Rea! Estate Settlement Pracedures Act of g"��:��
<br /> _ ip'���.. ��.•. °. 1974 as amer�ded from tima to time, 12 U.S.C. Sect[on 2601 et seq. ("RFSPA"),cnless another law that applies to the Funda �:,_
<br /> � . . sets a lesser amount. If so,Lender may, at any ttrrte,collect and hold Funds in an amount not to exceed the lesser emount. -
<br /> _�� _ _ � I.ender rnay estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future �;_.� _
<br /> . ., - .- �-'e� `'�as.._-- ' .
<br /> . , , Escrow Items or otherwise in accordance with applicable law. -�,:
<br /> • ` The Funds shalt be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity �'?-' _
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<br /> ' (inctuding Lender,if I.ender is such an institutian)or in any Fcderal Home Loan Bank.L.ender shal!apply the Funds w gay the `:'�'�"':--
<br /> •�� � Escrotiv Items.Lendcr may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account.ot �9� •"
<br /> . - . -r3f:ra:--
<br /> � verifying the FscroW items,unless i.ender pays Borrower interest on the Funds and applicable law permits Lender to make such ,; �-.
<br /> ,��'; " �� a chrirge.However, Lender may require Bonower to pay a one-time charge for an independent real estate tax reporting service .. ,-_��::=�'
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<br /> :�i� . used by Lender in connection with this loan, unless appticable law provides otherwise. Unless an agteement is made or ,.,:,-
<br /> �k''�'� � �� n applicable la�v requires interest to be paid. Lendar shall nat be required to pay Sorrower Any interest or earnings on the Funds. +:k ' 'i::
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<br /> , Borrower end Lender may agree in writing,however,that interest shall be paid on the Funds. Lender shall give to Borrower, .;�,��n�-=
<br /> � •� -� without charge, an annuul accounting of the Funds, showing crediGs and debits to the Funds and the purpose for which each ".;��-
<br /> ' � ° debtt to the Funds was made. Thc Funds are pledged as additional security for al!sums secured by this Security Instrument. �� �`j,�-
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<br /> ` ` '� If the Funds held by I.ender exceed the amounts permitteil to be held by applicable law, Lender shaU account to i3orrower i:::,•�- ::
<br /> ;. .: ' ' : � ' for the excess Funds in accordance with the reyuirements af upplicAble law. If the amount of the Funds held by I.ender at any ' �;.
<br /> . � time is not sufficient to pay the Escrow Items when due, Lender may so notify Borcower in writing,and,in such case Borrower ';�r�
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<br /> • shaU pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than ., �,;;,�
<br /> . twelventonttily payments,at L.ender's sole discretion. `'".;;�'.;`__
<br /> ' `'�� � U�n payment in full of all �um� tecured by this Security Instrument, I.ender shull promptly refund to Bonower any :�s�.�'�:�,;:_
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<br /> , . ., Funds held by Lender.If, under paragraph 21. Lender shall acyuire or sell the Praperty,Lender,prior to the acquisition or sale -� �f+,�,),�,.�_:
<br /> � of:he Property, shafi apply any Funds held hy l.e�ider ut the time ot�acyuisition or sale a�a credit against Ihe sums secured 8y " . -
<br /> this Securiry Instrument. , '
<br /> 3. Applicatian of Payments.Unles�applicable la�c provide�othcr�+•itic,all payments received by I.ender under paragraphs .
<br /> . � 1 and 2 shall be applied: tirtit.to uny prepa�•ment ch:�rgeti due unJer thc Notr: second,to amc,unts payable under paragraph 2: ' � ., .;Y'
<br /> third,t��intercu duc; fourth,to principal due:unJ last,to any late churges due undcr the[Votc. �� :-
<br /> . . 4. Chat�es; I.iens. Borrowcr�hall pay all taxe�.u��c,sment�, rl�arFcti, tinc,snJ im�tiitiam attributahlc to the Property ;
<br /> • which may auain prioriry cmer thix Security Instrument, and le:.iuholJ p,rynwnt�or ground rent+. if uny. Bonower shall pay -
<br /> these obligat ions in thr manncr pravidcd in para�raph_'.ur if nut patJ in that tnanncr, &�rrow�r shall pay them on time directly
<br /> , to the peru�n nN•cd paymcnt. Burruwer+hull prumptly furni+h to Lender all noticr.of amounts to he puid under thiti parugraph.
<br /> r,��.;;:.�''' If Be�rrnu�er nuke+thr+c paymrntti dircrth. Bnrru�err�hall pnm�ptly lurni+h ta l.cndrr rerciptx cvidcncing the payments. .
<br /> � ' &�rrowershall prumptly diuhargr am lirn Nhich ha.priurit� c��cr thiti Srrurity in+trununt unlesti Borrowcr:(a)agrees in ' ,
<br /> writing t��thepayment uf the uhligaticm.rrurr�l hy the lirn in a manner arcrptable tu LenJrr: (b1 contest�in gcxxl faith the lien
<br /> •� by. <�r dcfenJ� ugaintit enti�rcement uf th� lien in. Icgal pnxcrJing, ��hirli in the I.rnder'� ��pinion oper:�te to prevent the
<br /> enfi�rcenunt af the liett: ��r�c)urcurc� fn,m thr h�,l�lrr c,f thr li�n an agreenknt .atitifartury ai Lender wM�rdinating the lien to ' '
<br /> • thiti Scrurily Instrumrnt. If LruJrr drirrminc, that any ran uf th�Pro�ert� i. .uhjrrt to a lirn ��hirh ma} :ivain priarit}•��ver '.
<br /> thi�Srrurity In�trumrnt. I.endrr ma�•gi�•r Borruacr a nntirr iJcntil'�m�,lhe lirn. Bnrru���r�hall �ati,f��thr li�n or tal�e one or
<br /> . morc of thc:►dii�n..rt tiirth ahu�r��ithin l��:l:i�.of thc L���ng��f n��nrr.
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