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<br /> „�,:�v.�t,�r, ;� 'fACiG',TH�R WiTH nll Qtc improvcmcnts nnw an c�recf'tcr crcctccl on thc property,nnd all cc►scmcnts, iippurtcnancas, o , _
<br /> �_.i�y;,•�'<.,.�-�,,n anJ fixtures now on c�rcnftcr a part af ihc praperty. All repincements and nddidans shull also bc co�crcd by this Srcuriry t,'��,,�_
<br /> �=' ' Inst,rumcnt. All of thc forcgoin�is refcrrcd to in this Security Instrument ras ihc"Property," .^ ,��,;•;?.-
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<br /> _�-;:�;�.:��:�--�^ 80RROWER COVBNANTS that Bonowcr in la�vfully scised��f thc cstatc hcreby rnnveycd nnd has the ri�ht ta gr.►nt - �y�t:+7 -'�'_=
<br /> � • .. and convey tho Propcny�nd that the Property is unencumbercd,except for encumbrnnces of record. Borrower wurrints and �'��^��? ;
<br /> _��:�;�yj�;w,,�;;i;:-'�;.' �vill defend gcnernlly Qie title ro the Ptopeny agtilnst nll claims and demunds,subjr.�:t w�uiy e�uui�ibranws oY rcca�d. a�,;.,s.�. --
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<br /> , .�.:;_�.ti: . THIS SECUR[TY INSTRUMBNT combines uniform covenants for national use and non-unil'orm covenunts wfth ,,F#i�,X4 _
<br /> a . ... � limited vnrintlons by jurisdiction ta constitutc u uniform sccurity instrument covedng real property. ,
<br /> ��`�'="'�����r��' ` ��� UNIFaRM COVENANTS. Borcower nnd Lender covenant and agrcc ns follows: '`��'� �'�� `
<br /> ,° _e . .}�;�,�'iviFi�^.
<br /> .� : 1. Payment of Principal und interest;PrepAyment nnd Lnte Chnrfics. Borrowcr shall promptly pay when dac thc ` , .,;}.���-
<br /> D �• '` '` � principal of and interest on the debt evldenced by the Nate and any prepnyment tuid late charbes due under the Nate. � j.ny .
<br /> � •� 2. Gundy for 71�xes nud Ir�suranse. Subjcct to applicablc law or to a written waiver by Lender,Borrower shall pay to ' ' ''+°'i?''�`:':
<br /> ��ks•: `'� Lendcr on the day monthly payments are due under the Note,until the Nate is paid in full,a sum("Funds")for: (a) yearly ,�� ti i�'`�, ,"
<br /> :�,';�� ". . . taxes and assessmenu which may attain priority over this Security Instru�nent as u lien nn thc Propeny; (b)yearly lcaschold �'�:,�,,,�;,,, T-
<br /> . . payments or ground rents on the Property, if any; (c) yeurly huzacd or property insuruue premiums; (d) yearly flood �% °;,W,•;nh�;�.,,_,,
<br /> ' insurance pmmiums, if any; (e) yearly mortgage insurance premiums, if any: and (� uny sums payable by Borrower to ":�" q;; , �
<br />..�_ ,`• ;;�i�.a.. ., . .�- Lender.in uccardance with the provisions of paragraph 8,in lieu of the payment of mortgage insurance premiums. These =_
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<br /> items are called"Escrow]tems." Lendcr muy,ut any time,collect und hold Funds in an amount not to exceed the maximum N „�,��_
<br />�?�-"•' � ' umount a lender for a federally rclatcd mortgage loam m�y require for Borrower's escrow account under thc federal Real , •..- _------
<br />:�,��•��- ` � Estate Settlement Proccdures Act of 1974 As amcnded from timc to timc, 12 U.S.C. §2601 et seq.("RESPA').unless another � -�` --
<br />-•� ` ' " • law thut applies to the Funds seGs a lesser amount. If so,Lender may,at uny time,collect nnd hold Flands in an amount not to � 'u�'�'ti`""-��=
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<br /> '� ` � ;. ` exceed the Iesser :unount. Lender may cstimate the amount of Funds due on the bnsis of current dntu and reasonable �:.
<br /> • estimates of expenditures of futum Escrow Items or otherwise in accordance with applicable law. . •- �
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<br /> The Funds shall bc hcld in an instituuon whosc deposits are insured by a fedcral agcncy, instrumentality,or entiry �y���---_--
<br /> � � � (including Lender,if Lcnder is such un institution)or in any Federal Home Loan Bank. Lendcr shall apply the Funds to pay ':u� � �
<br /> • :%''�%�:t • � the Escrow ltems. Lender may not charge Borrower for holding and applying the Funds,annuully analyzing the escrow -�,��-
<br /> ``` account, or verifying the Escrow Items. unless Lender pays Borro�ver interest on the Funds and applirible law permits ���`��_-���"':
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<br />�""�' „' Lendcr to make such a churge. However,Lender may reyuire Borruwer to pay a one-time charge for an independent reul i� =-" -
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<br /> ��'-y ... estnte tax reporting service used by Lender in connection with this loan,unless ap�licable lu�v provides otherwise. Unless an ,�;,_� •-- -
<br /> ' • ugceement i;made or ApplicAblc law requires intcrest to be paid.Lendcr shall not be required to puy Borrowcr nny interest or
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<br /> , eArnings on the Funds. Sonowcr und Lender may agree in wnting,howcver,ehat interest shall be paid on the Funds. Lender '- ,:!
<br /> - srai!�;i:�c t���nr.:��e*.�u�ihn�t�j2arar an nnnnal s�ccrnmtine of the FLnds,showin�credits and debits to the Funds and the � � - -
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<br /> _ � purpose for�vhich each debit to the Funds was made. The Funds are pledged as additional security for ull su,ns secured by "'o`• +'4�
<br /> � this Securiry Instn�ment. -
<br /> , lf the Funds held by Lender exceed thc amounts permitted ta be held by applicable law, Ltnder shall account to � �� _
<br /> � Borrower for thc cxcess Cunds in uccordance with the requ�rcmcnts of applicable luw. If the amount of the Fbnds held by ,� ; �
<br />::,•��'�, Lender at�ny time is not sufficient to pay the Escrow ltems when due, Lender may so notify [iorrower in writing, nnd,in
<br /> _ such case Borrower shall pay to Lender the amount neccssary to make up the deficiency. Borro�ver shall make up the �.�;
<br /> � � de�ciency in no morc than twclve monthly payments,at Lendcr's•solc discretion. '
<br /> 'r'f��"� �" " � Upon payment in full of sill sums secured by this Security Insuument, Lender shall promptly refund to Borrower any
<br /> " �`�'' �• . Funds hcld by Lendcr. if, under paragrsph 21,Lender shall acquire or sell the Property,Lcndcr,prior to thc acquisition or � „ ''
<br /> '"�'`<„""�r'` .; snle of the Property, shnll apply any Funds held by Lender at the time of ucquisition or sale as u credit ugainst the sums � .
<br /> � ���. � secured by this Securiry Instrument. �
<br /> � 3. Applicatiun of Fsiyments. Unless spplicable law provides otherwise, all paymenGS received by Lender under '� ��f
<br /> "�";''',''' ara ra hs 1 and 2 shall be a hed:first,to an rc u ment char eti due under the Note;second,to;unounts a ublc undcr
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<br /> _;_;,,.;.,,.�.. . . paragraph 2;third,to interest due;fouith,to principal due;and last,to nny late charges due under the Note. ; ,, �.ti,-=_--
<br /> .�,.:,;..;. ,,,.. . 4. C h n r g e s; L f e n s. B o n o w e r s h u l l p a y all taxes, assessments, char ges, fines and im positions nttributable to thc • 'R-'"pr_
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<br /> Praperty which may uttain priority over this Security Instrument,und Ieaschold payments or ground rents,if�ny. Borrower ,`��f� t.
<br /> -- � `� shall pay these obligations in the manner provided in paragraph 2,or if not paid in that manncr,Borrower shnll pay them on ,�i��
<br />--=' • • ' �' • time directly to the person owed pnyment. Boaower shall prompQy furnish to Lender all notices of amounts to be paid under
<br /> ,?�. . � `�',! this paragraph. If Borrower makes these payments directly,Borrower shall promptly fumisli to Lender receipts evidencing ,�
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<br /> the payments. , , .`
<br /> •� �' ' 8orrower shall promptly diseharge any lien which has priority over this Security Instrument unless Borrower:(a)ugrees ��x
<br />��' �� • in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in gocxf faith the r.`; :;.
<br /> • lien b ,or def.:nds a ainst enforcement of the lien in,le al raceedin s which in the Lender's o inion o er�te to r�vent the ""'
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<br /> enforcement of thc lien;or(c)secures from the holder of the lien an agrcement satisfactory ro Lcndcr subordinuting the lien ;; ?�
<br />-�. , � to this Secuaty insuumcnt. If Lender determines tbat any part of the Propeny is subject to a licn which may attain priority �
<br /> `.�_ „ , over this Security Instrument,Lender may give Borrower a notice idenufying thc lien. Borrower shull satisfy the licn or take ��}
<br />_ . z . one or more of the acrions set forth ubove within 10 dnys of die giving of notice. .
<br />• -.l.., . 5. Haznrd or Praperty Insurance. Borrower shall kcep the improvements now existing or hereafter erccted on the , ;_ '
<br /> „ Property insu�d against loss by tire,hazards included�vithin the term"extended coverage"and any other haznrds,includin� -
<br /> ,� floods or flooding, for which Lender rec�uires insurance. This insurance shall be maintained in the aunounts and For the . ;, '
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