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<br /> TO(iETEtER WITH all the 3mprovtnxnts nmw on c�reafter erxtcd on the property.und ult eASemente,appurienanas.and
<br /> fixmres now an c�reaftcr u part of the praPerty. fitl repluremente und ad�itions shnll r►Isn be covered by thi� Security
<br /> Ynstmment. All af thc foeegoing iA refcrnd to in this Security G�strument:�9 thc"Property."
<br /> BORROW�4t COVBNANTS that&►rrowcr is lawFully seised of the cstnte hereby canveped nnd hus the dght ta grnnt and
<br /> corwey the Rrapersy nad thut thc Property is unencumbered,except for encumbrunc�.s of eecord. Barrawer wnrrUntw nnd will
<br /> detend generully the tiUe tu thcs Properry u ainst all claims uind demm�ds,subject ta uny ertcumbrunces af record.
<br /> THIS SECURITY INSTRUMENT�mbfnes►unifarm covenunts far nutlonat uee and non-unifarni cnvennnta with limitod
<br /> variatl�ns hy juriYdictinn to cnnstitutc a uniforni�ecuriry instrumz�nt covee3ng teal pmperty.
<br /> UNIFORM COVBNANTS. Barmwer and l.ender covenant and agrec av followa:
<br /> 1. Pl�yment of Priixipai and Interest; Prepayment and Lute Charges. Borrowcr shall pmmptiy puy when due the
<br /> principal of ond interest an the debt evidenced by the Note and any prepayment nnd lute charges duo urtder the Note.
<br /> 2. I�nds for Taxes nnd Insurance.SubJect to applicuble lu�v ar�a u wrltten wniver by L.ender, Bonower ehull puy to
<br /> � L.ender on the dny monthly paymencs ure due under the Note.until the Nate is puid in full,A sum("Funds")far:(u)yearly twces
<br /> end asscssmente whtch muy at[aln priadry aver this Security Inst�ument u:s u lien on the Property;(b)yearly lcucchald payments
<br /> ` ar�[ound cent,on the Pro�rty,if any;(c)yearly hazard or property insuernnce prerr�vms:(d)yearly flood tnsumrtce pmmiuma.
<br /> if any; (e)yearly mortgage tnsurance nremiums, if any:and(fl any sums payuble by Horrower to Lender, in accard�utce wlth
<br /> t�to pmvisions of pnmsrnph 8. in lieu of the payment af martgnge lnsuranco premiums. These items ure culled"Escrow Items."
<br /> I.ender mny. at uny time, callect and hold Funds in an amount not to exceed the maximum nmount a lender for a federnlly
<br /> related mortguge loan may requiro for Barrower's escrow stccount under the federal Real Estate Settlement Procedures Act of
<br /> 1974 es amended from time to time, 11 U.S.C.Section 2601 et seq. ("RESPA"). unless another Iaw that upplies ta the Funds
<br /> sets a tesser umouiit. if no. Lender may. at any time. caliert nnd hold �Funds in an amount not to exceed the lesser �mount.
<br /> Lender muy estimate the amaunt of Funds due on the busis of current datu and reuwnable estimates of expendttums af future
<br /> Escrow Items or otherwise in nccordance with applicable luw.
<br /> The Funds shal! be held in an institutfon whose deposits ac+e lnsured by a federal agency, instrumentallty, ar entity
<br /> (including Lender.if Lcnder is such an institution)or in any Federnl Home Laan Bank. I.ender sh�ll apply the Funds to pay the
<br /> Escmw Items. Lender may not charge Borrower for holdtn�and applying the Funds,annuslly analyzins the escrow uccouat,or _
<br /> verifying the Escrow Items.unless[.ender pays Banower interest on the Furtds and applicable law permlts I.ender to makr such
<br /> a charge.However,Lender muy require Borcower to pay a one-time churge for an independent real estate tax reparting service
<br /> usQd by Lender in connect�on with this loan, untess applicabte la�v pravides otherwise. Unless an asmxment is mude or
<br /> upplicnble!uw requires intarest to be paid,Lender shall not be required tu pay Borrower any interest or eamings on the Funds.
<br /> Borrower and Lender may agrcc in writing, hawever. that intcre�t shell be paid an the Funds. Lender shall give to Borrower,
<br /> wzihout charge, as amsuat acrouaiirsg of the Fs:nds, shoeving credifs and de6its to th� Fun�s en�th!�p��*��for which each
<br /> debit to the Funds was made. The Funds are pledged es additional security for nll sums secured by this Security Instrument.
<br /> If tha Funds held by I.ender exceed the amounts permitted to be held by applicable law.Lender shall account to Borrower
<br /> for the excess Funds in sccordance with the requirements af appiicable taw. If che amount oP the Funiw heiu by Lender at any
<br /> � time is not sufficient to pay the Escrow Items when due.I.ender may so notify Bonower in writing,and, in such case Horrower ,
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than �L`
<br /> twelve monthly payments,at txnder's sole discretion.
<br /> Upon payment in futl of all sums secured by this Security Instrument, L.ender shall promptly refund to Borrower any
<br /> Fwids held by Lender.If,tutder pt�ragrnph 21,Lender ahalt acquire or sell the Property,Lender. prior to the acquisition ar sale
<br /> uf the Property,shall apply any Funds held by Lender at the time of acquisitian or sale as a credit against the sunu secured by yt_�
<br /> this Secudty Instrument. ��`�?
<br /> 3.Application of Paymenta.Unless applicable law provides otherwlse.all payments rcxeived by Lender under paragraphs `.•`
<br /> i and 2 shall be applted:first.to any prepayment churges due under the Note; second,to amounts payable under paragraph 2: �
<br /> third,to Interest due: fourth. to principal due;and last,to any late charges due under the Note. '�
<br /> 4.Charges; Liens.Bonower shall pay all taxes.assessments, charges.fines and impositions attrlbutnble to the Property �f:
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<br /> which mny nttnin prlotiry over tbis �ecurlty Instrument. artd leasehold payments or gmund rents, if su►y. Borrower sh�ll pay ���'.�4?b
<br /> these obligations jn the manner pmvided in pivagraph 2,or if not paid in that manner. Borrower shall pay them on time directly ;'�';'�
<br /> to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid undcr this pnragraph. s .
<br /> If Borrower makes these payments directiy,Bflrrower shall pmmptly fumish to Lender recetpts evidencin�the payments. •,�'�s,.
<br /> Borrower shull promptly discharge nny tien which has priority over this Security Instrument unless Borrower:(a)agrePS in ��'='
<br /> writin�to the payment of the obligntion se�ured by the lien in a manner acceptnble to L.ender;(b)contests in good faith the lien
<br /> by.or defends a�ainst enforcement of the lien in, legal proceeciings which in the i.ender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the lien un agreement satisfactory to Lender subordinating the lien to
<br /> this Secur�ty instn►ment. If Lender dete�mines that any purt of the Property is subject to a lien which may ntmin prioriry ovcr ,. ;
<br /> this Securit Instrument,Lender mfl Ive Borrower a notice identi in the lien. Borrower shall satis the lien or take one or ''�
<br /> Y Y B fY S fY ,�ir;,
<br /> more of the actions set forth above within 10 days of the giving of notice_ ;�..:•
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