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<br /> � TOaBTHER t�/ITf�alt tlie Irnprovementa noru or henafter erectcd on tho propcn,und all eusenaente. ApJTUrtCiltllCC9,
<br /> and fixturta now or tkrcafter a past of tha psoper+�y. A11 replacetnente at►d addiN°�a �!1 alac�be eoveted by ttute Sceudty
<br /> � Insmixnen� Atl of the fQregoing is ceferred to in tbl�Socurlry Iasnument as tha"Pcoperiy." ,
<br /> BpItROWER COVHNANfS tl�c Bar�wer la lawfuUy seised of tho eatate herclsY coaveyed end bas thc riBGt to g�nt
<br /> � and convey the Property and that the Plnoperty is wecncumbered except far encumbrances of�ecord. Hocmwer wmants and
<br /> will defejxi�ef�e��lly tt�c dtla c�t�c Prap:tty n�si all clala�aad demanda,snb}ect to any encumhrances of record
<br /> THIS SBCURI'!'Y INSTRUI�IDNT combinea unifam covenants for aadonal use and non-wilfarm coveamta with
<br /> limitcd veri�dons by jurisdiction w conatitute s un�fomi security instrumeat coveiing c+ex►pmpertY.
<br /> UN�ORM COVBNANTS. Botrower and Ixader covenant and agree as follows: a w�p due th�
<br /> D. Payaient ot Prtncipal wnd tateresti�Pm9�t and Lxte�6argea. Borrower shall promptlY P Y
<br /> princ.�ipal of and interest on the debt evideaced by the Note eud any pnpayraent and late charges due under the Note,
<br /> 2. Funds for'lhxa9 and Iosurance. Subject w uppAcable law or to a written waiver by Lender,Sonower shall pay to
<br /> Lender on the day monttily payaients are due under the Note,until the Note is paid in fn11,a sum("Prrada")for:(a)yearly
<br /> te�cs and assessments whlch may ttttaia prforlty over this Securlry Insuument as a Ilea ot► the Properiy;(b)yearly leasehold
<br /> •,ay►..�rtta or ground renu on the Pmpea3y. lf azty:(c) Yeaz'IY hazard or PnopertY insuran�e pr$miums:Cd) Yearly flood
<br /> �nsurance premiums.if any� (e)1+ear11'mnrtga8e insu�cance premiums.if any:and (fl�Y sums puyable by Borrower ta ..
<br /> Lender.ln accordauce with the prpvisicans of pasag¢aph S,la Ueu of the paymeat of mortgage�ins�raace preau�ms. 'I'dese
<br /> �tems aTe enlled"Escrow Items" Lender mpY,at any 1ime,collect and hold Funds in an arnount dac w exoeed ttsRmaxiinwn
<br /> 'amount u lender for a fedcrally c�elates�mortgage loan may require for Homower's eurow aceoutit'under the federal Real
<br /> . F.stste Set4�esasnt Proceciw�es Act af 1934 as emcndcd from amc w tlme.l2 U.S.C.§ 26Q1 etseq.("`RBSPA").w41as anot6er
<br /> !aw t6at eppl�es w the Funda seta a lesser amoun� If so,Leader may,at any time,coAect and hold Fuads in an amount aot to
<br /> excecd thc leaser aznoun� Lxnder may estimate the amount of Funds due on �he 6asis of current data aad reasoueble
<br /> estimates of eapenditures of future Escrow Items or othenvlse ia uccordance with applicabT,e law.
<br /> The Fnnds shnl!be held ln aa insdtudon whoscs deposits are insured by a federat ageacy. instrumentnlity,or entity
<br /> (includiag Lendcr.If Lender is such en institudon)or in eny Pedernl Home Loan Baak.Lender shull apply the Funds to poY
<br /> the Escrow Items. Lender rresy not chargo Botrower for haldMg and upplyins the Ponds,am►ually annlyzing ihe escrow
<br /> accaunt,or verifying the Escrow Irems,unlesa Lcnder pnys Horrower interest on tho Funda and applicabie law permits
<br /> I.ender w mak�such a charge. However.L.cnder muyrcquir�Borrower to pny a une•time charge for un indepcndent rcui
<br /> eswtc uuc reporting service used by Lender in connecdon with thls loan.unfess uppitcable Iuw pmvides otherwlFC.Unles�an
<br /> pgre�ment ia rnada or applicabie law requires interest to be puid,Lender shaU not bc rcquired to puy aorrowcr any tntcrc!+t or
<br /> eamiags on tha Furtds. Bormwcr and Lender may ug[ee in wrlqng,howevcr.that interest ghall be p�id on th�Fundg. I.cndcr
<br /> shall give to Botrower,wi�hout churg�.an nnnunl accounting of thc Ftmdg.showing cred'ets and debitx to the Funds and the
<br /> putpose for which euch debit to the HUnds wos made. 't�i'►e Funds are piedg�xi us ud3l�t�a1 ss�u�ty for�!!:,�est.Y:ecyr�d bY
<br /> this Security Inswment.
<br /> If the Funds held by Lender exceed the umoun�ti permitted to be held by applicabie law. Lender shnll accoam tn
<br /> Borrower for the excess Flutds in accordance wlth the requirements of npplicable law. If the amount of the Funds held by
<br /> Lender nt any tlme is not snfficlent to pay the Escrow Items when due.Lender may so rtodfy Borrower in wridng.and,in
<br /> such case Borrower shall pay to Lender the amount necessary to meke up the deficiency. Borrower shaU rnake up ihe
<br /> deficiency in no more thon twelve montlily payments,at Leader s solo discredon.
<br /> Upon payment ia fuli of all sums secuced by this Securiry Instrumen�Lender shall prompdy refund to Barcower any •A�
<br /> 6lutds held by Lender. If,under paragraph 21,Lender shall acquine or sell the Property. I.ender,pdor to the acquisidon or .,
<br /> sale of the Property,shull apply any hl►nds held by Lender at the time of acquisidon or sale as a credlt againu the sums .��
<br /> secumd by this Securlry Instrument L.�:
<br /> 3. Appltcatlon oi Pf�ymenta Unless applicable!aw provldes otherwise.all payments received by Lender under F;;��,:
<br /> paragrapha 1 and 2 shall be applied:first,to any prepayment charges due uader the Note:second.to emounu payable under f�,kr�,
<br /> para�raph 2;third.to interest due:fourth,to princlpal due;and las�to any late charges due under the Note. � ,�..
<br /> 4. Charges; Liena Bocrower shall pay all taxea, assessments,charges.fines and imposidons atuibuteble to the �_,�,;
<br /> Property which may auain prtorlty over this Seturiry Insuumeat,and leasehold paycnents or ground rents,If aay. BO[YOWCP r�.
<br /> sbaU pay these obugatlons in the menner provided in putagraph 2.or If aot patd in that manner,Soirower shall pay t�em on ��:,;�
<br /> tagr
<br /> tlme direcdy to the person owed paymeaG Bomo�ver shall prompdy fumish to Lender�I nodces of amounts to be pald amder •%;=.,
<br /> Wis paragraph. If Bomower mekes these payments direcUy. Borrower shell promptly furnish to Lender nceipts evidencing
<br /> ., the payments. ::.
<br /> Borrower shall prompdy disc6azge any Hen w�ich has prlority over this Security Instrumsnt unless Borrower.(a)agrees -;,� .,
<br /> in wcidng to the payment of the obllgatlon sec�red by the lien in a manner acceptable ro Lend$r.(b)contests in good faith the ;
<br /> lien by,or defends against enforcemedt of the lien in.legal proceedings which in ths Lender's opinion operate to prevent the
<br /> �.;; enforcement of the lien;or(c)secums from the holder of the llea an ageement sadsfectory to Lender subordinadng the lien
<br /> : s to this Security Instniment If Lender determines that any part of the Y'roperty is subject to$lien which may auetn prIodty „
<br /> over this Security Instrument,Lender may give Borrower a nodce identifying the lien.Boirower shall sadsfy the Ilen or take
<br /> one or mote of the acHons set forth above within 10 days of the giving of notice. "
<br /> g� �A or property Insu�nce. Borrower shall kcep the improvements now existing or hereafter ererted on the
<br /> Property insum,d against loss by t'u+e,hazecds iacluded within the term"cxtended coverage"and az►y other hazards,including .,
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<br /> floods or flooding.for whlch Lender requires insnrance, 'Itits insurance shall be maintained in the amounts and for the
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