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<br /> TOOBTHER WITH uU the impravemente saw or herenRer crcctcJ an the property.unJ all eusement�.,��rrun�n��»«y,mtd
<br /> t7xture� rtaw ar here.ufler u Qnrt of the prc�perty. �It replueementx und �ulditinns shall c�1Fn bo cavercd by this 5ccu�ity
<br /> Instrumcnt. All af tho foreguing ir�rcfcrrcd tti in thix Sccurity Inxttumcnt ns thc"Prnperty." —
<br /> BORRQW�R COVBNANTSthnt Darmwcr ia luwtully KeiuA ai'thc cstatc hcrcby canvcycd and hus thc right t��grunt nnd
<br /> convey the Property nnd thut the Property i!+ unencu�nbered,cxcept fi�r encumbrunceti aP r�ecard. Borrnwer wunnnty nnd wiQ L
<br /> defend genernlly the title to the Property agufnst ull cluims und demarWx.�;ubject t��nny encumbmnce�of recant.
<br /> THIS SECURITY INSTRUMBNT combine�uniform covenunts fur autienal use unJ nan•uniform cavenunte with limited
<br /> vuciattans by Jurisdictiun to constitute A uniform sccurity instcument cavcring real property
<br /> UNIFOItM COVBNANT5. Borrower and I.ender covenant and agtce as followa:
<br /> l. Payment ot Prlucipal und Interest; Prepayment and Lute Char�aq. Ban�wer sholl promptly pay when due the
<br /> princippl of nnd interest on the debt evidenced by the tVote and any pmpuyment ared late charges due under the Note.
<br /> 2.Fuitds tor T�sxes uted Emsuraace. Subject to applicnble tuw or to a wr�tten waiver by L.ender.Born�wer sh�t{ pay to
<br /> Lender on the day monthty payntents are due undcr the Note,urtt�l ths Note ia paid!n fu!!.a sum("Funda")for:(a)yearly taues
<br /> and assessments which may attein pdority over this Securlty Insttument as a lien on the Pcoperty: (b)yearly leasehatd payments
<br /> or ground reats on the Prope�ty. if any:(c)yearly hazard or property insuran�e premiums:(d)yetuly flood Insurance premiums.
<br /> if any:(e)yearly mortgage Insurance premiwns, if enYt and(�ar►Y sums payable by Borrower w Lender, in accordance wlth
<br /> the provisions of paragraph 8,in 1{eu of the payment af mortgage insurance premiums• These items are c�l�ed"EsCrow Items."
<br /> Leuder niay. at eny time,collect artd hold Fwtds!n en amount not to exceed the maximum emoum a lender for a federally
<br /> related mortgage laan may requirc for Borrower's escmw account under the federal Reat Estate Settlemer+t Procedures Act of
<br /> 1974 as amended from tlme w time. 12 U.S.C.Section 2601 et seq. ("RESPA").ualess anothar Isw that applies to tke Fundls
<br /> sets a lesser amount. If so, Lender may. at any ttme.collect and hol�Funds in an amount not to excced the lesser amount.
<br /> Lender may estlmate the nmount of Funds due on the basis of curnent data and reasonable estimates of expenditures of fuwre
<br /> Escrow Items or othenr•ise In acco�dence with applicable law.
<br /> 'i't�e Funds shaU be held in an institution whase deposits are insured by a fedecal agency, inswmentality. or entlty
<br /> (including i.ender.if Lender is such an insdtution)or in any Federal Iiome Loan Bank. Lender shall apply the Funds to pay the
<br /> Escrow Items.Lender ruay not c4arge Borrower for holding and applying the Funds,annually ana[yzing the escrow account,or
<br /> verifying the Escrow Items. unless L.ender pays Borrower Interest on the Funds aad applicable law permits Lender to make such
<br /> a charge.However,Lender may raluirc Borrower to pay a one-tlate charge for an independent real estate taa repnrtin8 seNire
<br /> � y�; �r � ��Qn �� thls I�n, unless appGcable law Qmvides othenvlse. Unless an agreement is m�de or
<br /> applicAble law requires interest to be paid,Lender shall nat be required co pay Borrower any 1Merest or earcdngs on the Funds.
<br /> Botrotiver and Lender may agree ln wdtia8.howc,wer.that interest shall be paid on the Fuuds• 1..ender shall give fo�orrower.
<br /> without cbarge, an annual�tccoundng of We Funds. showfng credlts and debits w t6e Ftueds and the purpose for�n�rhich each
<br /> debit w the Funds was made.The Funds are pledged as addidonal securlty for all awns Secured by thi�Secudty Inatrument.
<br /> If the Funds held by L.ender eaceed the a►nounts pera�itted to be held by applic�able law.Lender shall acoount to Borrower
<br /> 4'or tt�e excess Funds in axordance with the�+equtrements of appltcable law. If the au�ount of the Funds held by Lender at any
<br /> time is not sufficient to pay the Escrow Items when dae,Lender may so noSfy Bortower in writing,and.in such c�se Borrower
<br /> sholi pay to Lender the amaunt necessary to make up the deficiertcy. Hoirower shali make up the deficiency in ao more than
<br /> twelve monthly payments,at L�ender's sole djscrerion.
<br /> Upon pa�ment In fWl of sill suros secured by this Security Instnur►ent. Lender chall promptly refund w Borrower any
<br /> Funds held by Lender.If,under parsigntgh 21,Lender shall aoquire or sell the Property.L.ender.prior to the acquisadon or sale
<br /> of the P�operty.stmll sipply aay�unds held by Lender at the time of acqulsiuon or sale as a credit agaiast the sums sa�red by
<br /> this Securlry Insuument.
<br /> 3.AppUratton oi Poymente.Unless sppllcable!aw provides otherwise.all paymenu received by Ix�uier ander paragcaphs
<br /> 1 und g shall be applied:first. to any prepayment charges due under the Note:secand.to amoams gaYable under paregraph 2;
<br /> third.to interest due;fourth,to priaeipal due;and las�to u►y late charges due undBr the Note.
<br /> 4.Charg�:Lteas.�orrnwer shall pay aq taxes.Assessments.char8es.fines and impositions amibutal�le to the Property
<br /> wh{cb may attuin prlority over this Security Insuument. and teasehold payments or ground rents, if any. Borrower shall pay
<br /> ttuse obligations in the ma�u�er pmvided in paiagragh 2.or if not paid in that manner.Borrovrer shall pay theta on time ditectly
<br /> to the pets�on oared payment.Borcower shsU prompdy fumish to Lender all notices of amounts to be twid u�er tR►is parngingh.
<br /> If Bormwer mages these payments directly.Barrower shall pmmptly fumish co Lender receipts evidenci��,r the puymeuts.
<br /> Borro►ver shall promptly dtscharSe siny lien which hrss priodty over this Secvrity Instniment unless Borrower:(n)agrces in
<br /> wrsting to the payment of the abligurion secured by the lien in a muiner accepmble to Lender;(b)oontests In gaod��the lien
<br /> by. or defends against enfo�nent of the lien in. legal piooeedin�s wbich in the LRnder's apinion operate to prevem the
<br /> enforcement of the l�en;or(c) secures trum the ho[der of the lien an ag�ment satisfactory to Lender subordinating the @en to
<br /> this Security Instrument.If Lender determirtes chat any p�.ut of th�Fropercy is subject to a lien whncR may attain priority over
<br /> - ��s��hr(nstnunent,Lender m3y give Borrower a notiae identifying the lien.Bormurer shall satisfy the lien or take one or
<br /> ncore oY the actions set fonh aboYe within 10 days of the giving of notice.
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