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<br />-- 'I'OGEs'�H�R WITH u11 the improvements now ar heree@cr eroctect an 1he propeAY� +u�`�3l e�sernenu�a�A"��tenance".
<br /> ��- and fixtures now or hemafter u part of the propet�y�. All ►eplacement4 und r�cldit[wis slu�lt slsn t�e cnvcrsd by�th1c�Se�wity
<br /> Insuument All of the For�oing is refcmed ta in thi9 Srcwrtty Instname�u as the"Pmprtty."
<br /> BORROWLR COVENANTS that Borrower la lawtully Reised of the estxte lkreby conveyed and h�u the ri�F'it cu�nnt
<br /> und convay the Pmperty and that the Pmpeity is w�encumb�ted,except for o�►sumbearnes uf mord. BoeTOwer wart�nts u�d .
<br /> wiU dtfrnd genenlly the 4it�e to the PrApetty agdnu all clsims�ad dem�nd�.aub}ect te w►y tncumbran�e�of rxadr. ,
<br /> _ �_ _ _ _� THIS SECURIT'Y INS'TRUMENT combincs unfform covcnanu fqr national usc wtd non-anifarm covmuNs with
<br /> l[mired variat[ona by jurisdictioa to consututc a unifomi sccurity Instrument caverin�r�ai�nuperiy.
<br /> UNIFOItM COVENANTS. Hotrower atd Lender covenant and agtiee ea fdlows: "
<br /> -= -- i. Foy�ent a�Prindpd and Interesti P�eP�Y+ncnt and Lste C6ar�a. aormwer ahall P���Y P�Y wM.n Aue�hc
<br />_= prtt►clpal of and latct�st oa the debt evidenced by tUe Note aitd any pnpaymr.nt u�d lata�hargea due undet tho Nute.
<br /> �, F�umis for 7Yxes�nd Iasuranca Subject to applicable law or to a wrltten waiver by I.ensfec,Bomawrs stull p�y to
<br /> Lender on 1he day uwnthly paymcats�suc due undcr the Nota�unW the Note is pai8ln full,a sum("FbndA")Car:<�)yeu'ty
<br /> -- - - -- -�—� wxes and assessmeats vfiich may stiuin ptloi3ty aver th[a Securiry inRnument as s Iien on the Pmperiy�(b)Yearly leaaelioW
<br /> -_ - - AaY�ms or ground reats un the 1'ropeny. if any. (c) Yearly hazard or property ias�nce prcmitun�: (d) YaadY flaod
<br /> insurance premiwns, if any� (e)Yearly raortgoso Wsurance prcariums. if uny:anc! (fl any sums paya6la by Bortower to
<br /> - Lender,in aa:oidance with the pmvjslons of pamgraph 8.in Heu of the pay�ucn�of mortgage insurat►ce gremiwng• Tl�ese
<br /> items arc ca!!ed"Escrow Items." Lender may.ut any tima.collect nnd hold Funds ia an umount not to exceed tbe rn�xlmum
<br /> - mo e loaa ma uire for Borrower s escmw accourtt undcr�he fednal Real
<br /> amo t a lender for a federall celated rtgag y req
<br /> - — Estat�e Sealement Procedares Act of 1974 as amcnded from dmo to dme.12 U.5,C.�2601 et seq.("RESPA"),unless uid}�rr
<br /> law tbat applies to the Funds sets n lesser amoua� If eo,I.ender muy.at aay tirne.coAeot s�nd hold F�ada tn en amount aot to
<br /> exceed the lesser aznaun� Lender may estimate the amouttt of Fl�ls due on thc dasie of cuac�tt datu�td e+e�o�lrte
<br /> esdmates of axpendIhues of future F.s�craw Items or otherwise in uccordnnce with epplicable law.
<br /> � The Funds shalt be beld!n en instiwtion whose deposits axe iasund by u federal agency. insttumentaliry.a en6ty
<br /> (includIag I.ender.if[.ender is such un institudon)or in any Federal Home Loan Bunk. Lender shall apply ttte E�unds to pay
<br /> the�scrow Items. L,ender may aot charge Borrower far holding and apPlyin6 the Auids, uanuaUy analyzing the escrow
<br /> accaimt,or verifying the Escrow Itema.unless Lender paya Bomower iaterest on tlx �ads and appllcable law p�m�ts
<br /> • t;�nc�et to make sucb a charge. However,Lxnder may requl�e Barrower to pay a oue•tlme charge for an iaciependent tral
<br /> (� e�tate u►x reporting service used by L.eader in connecHon wilh this loan.unless applicable law pmvtdes othenvtsa Unless an
<br /> agreement is made or agplicable law requires iatenst to be paid,Lender shaU not be reyuired W pay Btmnwer t�ay inteicst or
<br /> eum�ngs on the Funds. Bairower and Lender may agee in writiag,howevcr.that interest shnll be gaid on the Cwuds. Leader
<br /> •., shaU give to Borrower,wlthout charge,an aanual accountlnE of the Pund4.ahowing c�edits and debits W the Fuads and the
<br /> pippose for wiuch each debit to the Fl�nds was made. The Nlutds are pled�ed as adctitiozaai se�nriiy for sU sums�ecut�ed by
<br /> " - - thie Secarity InsttumenG
<br /> nt. � If the Flu►ds held by Lender cxoeeQ the amounts permitted to be held by applicabie law. Lerder shall g000wR[�
<br /> . � Bomower for the excess Funds in accordunee tivith the requi�ments of appllcable law. If the amatmt af the Punds held by
<br /> y� Lendet at any t�me is aot sufficient to pay the�scrow Items when due.Lender may so noHfy Borrower ia wrIting,nnd,in
<br /> � such �case Boaqwer shal! pay to Leader the amount necessary to make up the deficieracy. Borrower shall m�lCe up the
<br /> deficienay in no mo�than twelve month3y payments.at L.ender's sole discredon.
<br /> " ' Upan p�meat in fuU of all sums secured by ttus Security Instrumeat,Lender shall promptly refund W Borrower ar,y
<br /> ' :xt...s�.»r
<br /> , �' FLnds held by Lender. ff.under paragaph 21.I.ender shall acquire or sefl the Property. Lender.ptior to the acquisltion or
<br /> ,.', sale of the Propeity,shall apply any FLnds held by Lender at the tiw�ac of acquisition or sale as a credit agaiast t�e swns
<br /> �� secured by this Secvriry Insreumen�
<br /> �y� ������ '�� 3. AppHsation af Fayments. Unless appHcable law provides otherwise. all payments ceceived by Lettdtr under
<br /> 4'�``� '� .
<br /> . � , . ;yei ,. paragrnphs 1 and 2 shall be applied first,to any prepayment cha�•ges due under the Note:second.to amcwms paysbte under
<br /> ,.�„ paragtaph 2;third.to interest due;fourth,to principal due;aad las�to Any lato charges due under the,Note.
<br /> 4. Chsteges; Liens. Borrower shall pay aU taxes.assessments.charges. fines and [mpositituis attributable to the
<br /> •`,±. Property which may aualn priority over this Security Insuumen�and leasehold payments or ground renta.if any. Barmwer
<br />- '� � '�'"'' shaU pay these obligations in the manner pruvided in paragraph 2.or if not paid in that manner,Borrower shali pay them on
<br /> ' "�''�m•`+:`r'��� time direrdy to the person owed puyment Borcower shall pmraptly fumish to Lender all nodces of iunounts to be y�aEd nnder
<br /> . �;�`.�-�5�'r:�"��';_: tb9s paragraph. ff Borrower makes these payments directly,9oTrower shall pmmpdy fttrnish w Lender receipts evid�mcing
<br /> �*,� thePayments. ' ,
<br /> ;•''. �' � � �• Borrower ahall pmmptly discharge aay Gen which has�ority over this Sec�ulty Iastrument unless Borrower:(a)agrees
<br /> ':�" � in writing to the payment of tiie obligation serured by the tied in u menner acceptabie to I.eader.(b)contcsts in sood fsdth the
<br /> � !r�� tien by.or defeads agalnst enforcement of the 1[en in.le�al proceedings which ia the I.ender's op[aion operate to pt�.went the
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<br /> �.�'+!:,,; enforcement of the llen;or(c)sscures from the holder of the lien an a�eement satisfactoty to Lendcr subordinadng the lien
<br /> �t •��f "'� � to tl�is Securiry InswmenG If l.ender determines thut any part of the Propeety is suirject to a lien which may attain prlority
<br /> • ���� �fiti.. '� over this Stcurity Tnstru�cen�Lender may give Borrower a nodce identifying the llen. Borrower shall sadsfy the lien or talce
<br /> " one or more of the acrions set forlh above witlilu 10 days of the giving of nodce.
<br /> ;'ti,•"' •• � S. H�rd or Property Iacuruaee. Hormwer shall keep the improvements now exisdng or hereafter erected on the
<br /> 3- " � Property insuced agalnst loss by fire.hazards included within the term"exteaded coverage"and any other bazards.Including
<br /> � '.� ° floods or flooding, for which Lender requires insurauce. 'I�is insurence shall be maintained fn the amounts�snd for the
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