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<br /> . � �„ " '�� TOa�I'tIBR W1TH all the Improvernents iiow or hereaftet erected an the pto rty, end all easementa, •
<br /> _ � apportenenca,and fix�ures now or hereafter a part of the pmperty.All replacements and add tione shell also bo covered
<br />:�';`�:''til+�*.: '.;a;�. b y t h i s.S e�u t l c y I n e ttumet►t.All af tha iore goin g fs ntened to in thia Seeunty Instrument ae the"Propercy."
<br /> � BORIZOIV�ER COVBNAN'fS that Borrower is lawfully seised of tha estata hereby conveyed and hes tha right to
<br /> .�:;..'... "�•� •�� grant and canvoy the Property end that tha Property ia unencumbered,except tor encumbrances ot eecord.Bormwer :
<br />- ti, 1��, warronts andai ll defend generally the titla to the Property against a11 claims end demands,subject to any encumbrar►cee
<br /> of record.
<br /> rS,�y T H I 3 S E C Z J R I T Y I N S T R U M B N T c o m b i n e s u n iform covenants for aational use and non-uniform covenante with
<br /> •�+ limited veriadoraby jun�dtction to conetttute a uniform security instrument coverin�real property.
<br /> (JNIFORN3 COVENAN'TS.Borroaer and Lender covenant and agree es folloa�
<br /> �. � ,; ± !.Pay meat ot PriaeIpal and Interest;Prepsyment and I,ate Charges.Bonoaer sha l l prompt ly pay w hen due �:.
<br />- � � the principal ot and interest on the debt evIdenced by tha Nota ead any prepayment and late charges dus undet the Note. , .
<br /> � �,;.;f;�;� �: -�. 2. Fuada*or T�xes�nd Insunace. Subject to appltcabla l�a or to a written waiver by Lender.Borrowet shall -':�'
<br />;y� �.,..`..�•,;, �y to L.eadaon the day monthly payments are dua undet tha Note,until the Nots is paid in full,a sum{"Funds"�for. �',',_�,
<br /> ,� (a�yearly taces end essesamenta whIch may attain priority over this Security Inatrument es a lien or►tha Property; (b) Y
<br /> �F��f yearly leaseholc�paymente or ground rents on the Property,i�any;(a) yearly hazard or property i�surance premiuma; M..-.
<br /> + =�:� �`.�.�' (d)Yearly flood insurance premiume.it any;(e)Yearly mortgage insutance premiume,if any;utd(f)any sums payable n�
<br /> '�`"��k'.4�'�; by Borrower to Lender.in accordance wIth the provlsions oi pnregraph 8,in lieu oi the payment ot mortgage lnsurance `-''`-
<br /> `� ••-��n��` � premiums. Th�se ttems ere called "Escrow Iteme."Lender may.at any time.collect end hold I�unda in an amount not ��w--
<br />=�r"��'�' to exceed the rnextmum amount a lendar for a federelly related mort ga ivan ma uire for Borrower's escmw �"'`
<br /> ��as•.....
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<br /> - =� ;'` account under the Pedaral Real FBtete Setttement Procedures Act oi i d as emended Prom timC w iime,IZ U.S.C.
<br /> =r-�;�;�,;.�' Section ?b01 ei seq. ("RffiPA"�,unless another law that appltea to tha Funds seta a l��er amount.Ii so,Lender may, �''-_'"
<br /> ':r��; at any time,col le�t and hold Funds in an amount not to eaceed the lesser amnunt.Lender may estimate the amount of _
<br /> :'�_,`:�' Funda due oattzabasis of current data end reasonabla estimatea of expenditures of futura Escroa Itemsor otherwise in �,��
<br />_"�� � &CCOfdBACC NIlI18pplicablelaw. �-
<br /> ,.-�i,�.
<br /> ,,,..�. Tha Funds ahall ba held in en Institutlon whose deposits ere inaured by a federal ageacy,�nstrumentality,or entity
<br /> � (Including E.,en3er,ii Lendar io such an instttution)or in any Federal Home Loan Bank.I.ender shell apply the Funds W �--_
<br /> '.���::;� pay the Bscrow Items.Lender may not charge Borrower tor holding and applying the Funds.annually anelyzing tha -
<br />���;°ti,.;t� �w axo�t. or vedfying the Escrow Iteme,unless Lender pays Borrower intereat on the Funds and applicable lea
<br /> -`:�is����' permits Lendar w make auch a charge. However� Lender may require Borcower to pay a one-time charga tor an _
<br />-:T�:�,:��;��:�,,-=� :=" irtdependentnal estste tsa reporting service used by L.ender in connection with this loan,unlese eppiicablo taw provides `
<br /> �.;,,,w� .,.
<br /> -.�',�:.r otherwtsa,Llnlesvan agreoment ia made ot applicabla law requires intetest to be gaid,I.ender ehall not requi to
<br /> �:�;�,,:;x pay Borrowa any tnterest or earning�an tho Funds.Borrower a�d T.ender may agrce in wr�ting,howover. thnt interest
<br /> �"�'�-';'�= ehall be paidors the Funds.Lender ahAU give to Bonower.without charga.an annual accaunting of the Funda,showing
<br /> credtte and debi te to the Funds and tha purposd for whlah eaah debit to the Funda was made.The Funds are pledg�d as
<br /> ~-`_-`�� addittonal saurity for al l.sume secured by thts Securtty Instrument.
<br /> ' It the Bunds held by I,endar esceed tha emounts permittecl to be held by applicabla law, Lender ehall account to
<br /> _.__.;�� Borrower fortlieexcess Funds in accordatice wlth the requirementa of appltcablo law.It the amount of the Funds held
<br /> _-___,--�= by Lender steray dme Is not suiitcient to pay the Escraw Itema when due.Lender may so notify Borrowar in wrIting, _
<br /> _�_._���� and,in suahcase Borrower shall pay w Lender tha amount nece�ary to make up the deficIency.Borrower eholl make
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