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<br /> j`�'•� ^.�y�,`r��" T�G�THER PJffH all t$e unprovcments now or�e�atter erected on the p:operty.aa�al?T����aance�, -
<br /> `'�.=., t �.• and fistures now m tierrafter a part of the property. AIS rep2acements fmd additiaa�shali also bz cavemd try this Security . �
<br /> ''�`�..' `: :� Instr�ent A11 of the foregoi�g is t�fetred ta in this Security Insttument as the"Pcogerty.". ' . .
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<br /> :`Y` `^., � . '� ' BORROWER COVENANTS thas Bormwer is l�wfally seised of the estate t�eby wmey�l and Eas tI�dght to graat
<br /> .. '` '� and coavey the Pmperry and that the i'raperty is tmencumbered.ex�cepi for encumbrances of�ecord. Borra�ver wanants sud =
<br /> „ , • � vrill defe�d generally tHe title to the Ptoperry against all cla9ms aad demands,subje�t to any encambmnces of record -
<br />' : FfIIS SEC[TRFfY INSTItiJMEIVT oombiffes nnifomi covenants far narional use and naa-unifoim covenants'with . -
<br /> ; - Gmited variations bq j�s�caon ta constitute a unifmm security imsttu�nt coveeing reai grqper�3�. � • -
<br />, ,. �` UNII�ORM COVENANTS. Eo:rower aad Lender oove�nt�d agtee as foIIo� � -
<br />- . � �, l. Payment oiPrindpal satl Interest:PmPa9meat aud Late Charges. Bnrmwer shall Pm�P�Y PaY w�en dae th�
<br /> _.. �5 ' principal of and int�st on tts�deM evidenced hy the Niote and anY�Pa3rment an�late c6arges due under the Nnt� _
<br /> '�;:;:� , , . L Fnnds for'l�s and Imuraac�Subject w applicable law or to a written araiver 6y Leudrr,Bonower shall pay to
<br /> , , � --- I.ender on t6e day moathly payments aze due imder tfle Note,�mtit the Note is paid in f�ll,a snm("F�ds�for.�(a)Y�Y .
<br /> ;�:' . , • taxes aad a���r+,enr�whish may auain pciority over this Seauiry Insuumeni as a lien on thc Pmperty;(b)Yeasly ieasehotd
<br /> ;:ti:��: .r�, ' . gayments�grmmd tents on t�e PmgertY•��Y:��� Y�Y�d or property insmance premiums: (�Y�Y ��
<br /> ..� .� . - wsar�ce p�eauams,if any;(e?Y�Y�� �� �"'��.if airy; a¢rl(�aa9 sums gayatils by Bomower to
<br /> ' Lender,in accordance wish the provisions of paragaph 8,iw lieu of thepayment of mortgage insazance pre�ninms. 'Ih2se
<br /> �' ,�,�• - ite�s a�called"Escrow Items." Le�der may.ai anY time.coIIect and hoW�in aa auiotmi nnt tn eaceed the�aximum
<br /> amount a tender for a federa]Iy c�ted mongage toan iaay mqniie for Bmmw-er's�sa accuuat uader th�fedeaal Rea!
<br /> '-��,`...:, .� ° , Fstate S�t Yroc�d�ues Act af 4974 as ameuded itnm rime to time.l2 U.S.0§26�I ea�q.('1tFSPA'�.nnl�s auothear
<br />` �.°- �_ taN d�sapplies co she Fuads seu a lesser arma� If so,i�der may,at any time.collec3�Jt�o2d I'vnds in au a�aouat aot to
<br />:=�. :' ;�:. .� exceed the tesser ama�t Lender may estimate the.ammmt of l�ads due an the ha5is of c�ment data aad�asanab2e
<br /> � z: . , estimates af expendiuues of fatare Fscraw Items or otherarise in accordance witb applica6le law.
<br /> -�-.`'=°�-s'�--s--= The Funds shalt be held in aa institution a�ose de sits a�insured Isy a federal
<br /> •�r .��.. � . _. .. _ .. .. .. ,_ . . . .., ...- - - p-° age°cy'ms�ntal�ty'or e�t3►
<br /> ('iacTu�sig ixnd`e%�f L.�ider is�suc6 aa inspn�non)or in any Fedeial Honie I:oan Bank:��I.ender s6a11 a�pIy the Punds m pay
<br /> ` ; . .� , �' the Fs�mw Items. Lender may noi charge$onower for holding and apglying the Funds.annually analyrmg the es�ow.
<br /> • � • acco�t,or verifying the Fsecow Items.unless Lender pays Boizower intecest on the Funds and appliea6is Iaw p��its
<br /> , ' Lxnder to make sach a ch�ge. However.Lender may reguiie Baaower to pay a ons-time charge for an indegende�2 iea}
<br /> _,. . .�-�•, ,.. , estate tax reporting sesvice used by Lender in conaeaion witti tiris 1oan.un2essa�pIIcable iaw ptovides other¢ris� tia�e€s an
<br /> ` • agreement is ma��sr�pplicabte law fegai�s intc�te3t ta b�paid,Lender shaU c�6e zeq�imd W pay Harrower.az►y inzemst a�r
<br /> � ? :: :,• . eamin�on the k:..�. Borrower aad Lender may agree in writing,ho�vever,tlfat inteiest shall be paid an the Rmds.�Ie¢der
<br /> ` . shall�:se to Bc�xu,without charge.an annual accounting of the Fvads.showing credits and debits to the�nds a�it s.se
<br /> • , pvtpnse far wtecl��sh debit to the Funds cvas made. Tfte Funds are pledged as additionat security for alI srms sec�r,�6y
<br /> � . . ttIIS Seceity Instrur��s. ''�� .
<br /> • • � If the Faads It�d by Lender excced the aaaouats pemuaed to be held by applicable law,Lead��all acoow�t to
<br /> . . • Burrower for the excess Funds in accordance wi�the requirements of applicable law. If the amouni af�Fhads he2d by
<br /> Lender�any time is not sufficPeat W pay the Fscrow Items whea due,Lender may sa notify Borrowet�in writing,aad,in
<br />-" ' � ' ' • � such c�ar Boaower si�aU pay to Lender the amoimt necessary to make up the defciency. Bomnwer shall make ap the
<br /> . deficiency in no mare than twelve monthIy payments,at I.ender's sale discretion. . � ,
<br />, � ' ' Upon paymens in full of all sums secnmd by this Security[nsm�xeat,L.eader shall promptty c�efund to Borrower azry
<br /> . Funds held by Len�r_ If,under p�agaph 21,Lender shaSl acquue or se�I t�Property,Lender.prior to the acquisItian or
<br /> � ' . sa�e of the Property,snall apply any Punds held by Lender at the time of.-•.quisition or sale as a credit against the sums
<br /> ' � . .. sec�ued by this Secwity Instrament .
<br /> � • • ' 3 ApplicaHo�ai Aayments. Unless applica�le law provides othetwise.all payxa�ts received by L+ecd�r imder
<br /> . • � paragraphs 1 aad 2 shalt be applied:fust,to any prapayrRent charges due under the Note;second,to a�aoimnts paya6fe under
<br /> ' � parag�aph 2;third to interest dae:fourth.ta principal due;and last,to any late charges due undelr the Not�,
<br /> �? 4. Chaigcs; Liea9. Borrower shall pay nll taxes,assessments, charges,fines and impositioas attrlbutable W th�
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<br /> " "• �:�.. .- � Property whicb may auain priorit}+over this Security Instrument,and leasehold payments or groand rea�,�any., Bor�rower
<br /> si�a1E gay thrse obligaiions ia the mazmer provided in paragraph 2.or if not paid in that manner.�omower si�aU pay tiu:m:ixa
<br />- � time di�.L�,:tly to the person owed paymenG �oaower shall promptly fi�mish to Lender all notices of amounts to be pa�d�
<br /> .� •, this q�graph. If Borrower makes t�ese payraact�directly,Borcowet shall pmmptly fiu�i to Lender receipts evideacing. �•'
<br /> . the payments. . . • . _
<br /> . Banuwer shali pr�ptiy disshazge any 6en v.tuch has priority over dtis S�uriry Instrumeat unless$oirower:(a)agnes _:
<br /> ' ` � � ln writia;to the paq�at of the obli�auon secumd by the liea in a manner�cc�table to Lercder.(b)contests in good faith the =
<br /> ! � • . �.;;'"�Sf . ' lien by;ot defends ag�inst enforceu�eat of the lien ia.iegaI procPedings wfuch in the Lemier�opin3aa operate ro prevent the -
<br />- -_ . �;:;1t�>'>' ! enfon�-�ent of the lien;or(c)sec�.-�s fmm th�ho2der of the lien an ageement sadsfacwry t�:p..ender subordinating the lien
<br /> . � • . to tlus 5ecnrity Instrument lf I.ender decem�ines that any part of the Property is subject to a lien which may suain priority . _
<br /> . s... . over this Security Instrumenb Lender may give Borrower a notice identifying the lien. Bolrawer shall satisfy the lien or take =-
<br /> = �,` ': one or mare of�e actions set forth above within 10 days of the giving of rtodce. -
<br /> ; � • . , • 5. Hauird or Property Insnrance. Boirawer shall keep the impiovements now exisling or hezeaRer etected aa tlat '
<br /> ' � Propeity insured agaiast toss by fir�bazards incladed wiWin the tera�"extended coverage"and any other�azards,ir.�ludipg ;
<br /> ;'.°� � � t�oods or flooding,for which l.ender requi�s insurence. This insurance shall 6e maintained in the amounts and for the ,
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