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<br /> 1 TtKiBTHSR WITH all the improvementa now or hereafter encted on tho pruperty.and easemcnts, appur�en cFS,and
<br /> flAtures now or hereafter e part of thr, property. All ceplacementa and addttione st!all also be covered by this Sccudry
<br /> In:tPUm;,ut.A!1 of thc fo��aing is rcferird to in this Security Ingtn�rr�ent P�the"1Properry."
<br /> BORROW�R CaVBNANTS that Barrower la l�wti�lly aelaed of the estate her�by conveyed and h�the dght to grant end
<br /> coavey the Property+�nd that the Properry ie unsnaumbered.eacept for encumbru►cea of record. Borrower warranta�nd will
<br /> defend geaerally the title to the Property agaiast all eleisas and damands,subject to any encumbrances of record.
<br /> - "'"� THIS SECURITY INSTRUMENT combines uniform coveaants for nationt+l nse and non-uniform wvenants with limlted
<br /> " "' variadons by jurisdiction to constitute a uniform security instnunent coveting real property. ' ''
<br /> UNIFORM COVBNANTS.Borrower and Lender covenant and agree as follows: - �
<br /> 1. Y'wymeut ot Prindpal aad Inta�est; Prepwymmt and I.�ta Charges. Borrower shall prompdy pay when due the
<br /> pdncipal of and interest on the debt evidenccd by the Note and euy pnpaymeat and late chazges due uader We Note. .:. �,•,., �
<br /> $. �nda[or Taxrs oad Insurance. S�bjxt to applicable law or to a written walver by Lender, Borrower shall pay to ' .. -.:.�:���•
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<br /> ' Leader on the dsy monthly paymsnta an due uad�r the Note. until the Note is paid In full.a sum("Funds")for:(a)yearly taaes
<br /> �ad aisessmenta which may attain prlority ovet thia Secudry Insttument as a lIen on tk�e Property:(b)Yearly leasahold pay�nts ,a :: > ''`���
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<br /> or gmund rente on the Pnoperty,if aay;(o)Yearly hazard or property inaurauce pnmiums;(d)Yearly flood lnsurance pnmiuuu. ,r�;�=�=--
<br /> ' U auy, (e)YeAr1Y mortgage insu�ance pccmiums. lf auy:and i�say surus payable by Barmwer to I.endcr, In�con��n�with :. `� •F,•�. ;_- -
<br /> �6e provlatons of puagraph 8, in lieu of the p�yment of mortgage insurana premiums.These items an caUed"Escrnw Items.' z -
<br /> Lendtr may, at any tIme. collect and hold Fuads ia an amount net ro exceed tbe maximum a�ount a lender for a frderally . �'���,_�s
<br /> • � relaied mortgage loan may c►xr,utre for Borrower's escmw account uader the foderal Real Estau Settlem�nt Procedures Act of . !R'���'
<br /> 1974 u uneeded fmm time to Hroe, 12 U.S.C. Ssctton 2601 et se .('RESPA'),unless another law that lics to the Fnnds '�=�''�"'��
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<br /> - � uts A lssser amount. If so. Lendea may, at any tima, collect aad hold Funds in en amount not to excad the lesser enwunt. . +.�' ---
<br /> Lendcr msy eattmate the amount of Funds due on the basia of curnnt data and nasoaable est�aaates of expeaditures of�ture ` .,`'�,�yz�
<br /> r Bscmw Items or otherwise in accordaace with applicable Inw.
<br /> The Funda e6all bc held ia an insdtution whose deposits are insund by a federal agency. insaumentalIry, or en3ity ;•t�'���
<br /> ° ,� (including Lender�if Leader�s such aa insdtutioa)or in wy F�deral Home L,oaa Bank.Lender shaU apply thc Funda to pay the
<br /> � Bscmw Items.Lender u�ay not charge Borrower for holding aad applying th�Funcls.annually analyzing the escrow accuuut.or �
<br /> y veriiyiug iuo cxnDw:¢e�.w,l�;.�`�S�a Yays;ssrror,ra iai-rst�n i�c°narl��std:gpt:r�ble 1_��rrmis�r• � ys ms��s••�„h ':
<br /> •� i cLuge.Howevcr, Ixader may require Bornnwer to pay a one•time charge for an independsnt real estate tax reporting seivlce �
<br /> p usod by Leade� la conuectimn aith this loan, unlzss epplicable law pmvides ot}►erwise. Unless an agrament ia made or
<br /> �� appllcable law ctquires inter�st w be paid,Lender ahall uot be reqniad to pay Bonov�er aay inurest or earainga on the Fuade.
<br /> � � Borrower and I.ender may agree ltt wrlting.howev�r, that interest shall be paid on the F�nds. Lend�r shall give to Borrower.
<br /> '• without charge. aa annual account[n8 of the Funds,showing credits and dcbits to the Funds and the purpose for which exh ,
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<br /> � ''" debit to tho Funda wu made.'Ihe Funda are pledged as additional secudty for aU aums securod by thls secudty Insttument.
<br /> ;:;:�;.. � If the Funds held by I.�nder axcad the amounts permitted to be hcld by applicable law.Lender oh�ll eca►umt to Borrower
<br /> ����.;::;ti tor the exass Funds ia acr,ordance wtth the nquirements of applicablo law. If the amount of the Funds held by Le�der at any _
<br />'�'��°' time ie aot aufficient to pay the Fscrow Items whea due.Leader may so nodfy Borrower in writing.and,in such case Borrower __
<br /> 1 ahall pay to I.eader the amount aecessary to make up the deficiency.Boaower shall make up eh�deficiency in ao more than - -
<br />,;;;; , � tw�lve uanttilY WYmenta��t Leader's sole dIscnetfon. ,;r —
<br />�.;�;:,, , Upon payment in full of nll aums secured by th9s Security Insmimeat, Lender ahall prnmpdy nfi�nd to Borrower any _-- —
<br /> - � � ' Fund�held by I.ender.�f.ur+tlor paragraph 21,Leader shall acquire or sell the Propeat3r,Lencler�prIor to the acqulsitios or sale ��.:::,.
<br /> ;,'�,. .�:» - of the Praperty�shail apply any�nds held by Lender at the time of acquisidon or sale as a credit against the swn�aecured by _ -_--
<br /> „ . . _ ihis Security Instcument. _-
<br />- " .,� 3.Applic�tio�s ot Paymeatts.Ualess appllcable law provides othetwjse.cilll payments received by I.ender under paragrepb� -
<br />�;,;,., 1 und 2 shall 6e appliod: first.to anY Prepayment charga due uader the Note: sec.�nci.to amounts payable under paragraph 2; �;:�;°;--- _
<br /> " ``� ��� third,w interest due;fourth,to principal due;aad latt,to any late chazges due under the Nou. _---
<br /> i`'',V'..r•':` . 4. Ch�ea=I,!ens. Borrower ahall pay aU ta�ces, assessments.chnrges, fines end imposit�ons attrlbutable to the Properiy —
<br /> r`.: �:�"�:'�., which may attaia prlor�ty over this Sauriry Instnm�ent,ar►d leaseholt�paymeat�or ground nata, if any. Borrower shall pay `.
<br />-�� '�:a• � theso obligations in the rmaaner provided in paragrapv 2,or if aot paid ln that wanver.Borrower e��ll pay them on time dirxily ����'`a���'
<br />��`:a,.;�.` to tlu person owed payaient. Bomnwer shall prompdy fumish to L.ender all notices of amounts to be paid undar thls puagraph. ��v�—�.^—-_
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<br /> ° ..., :,.. If Bomower m�lces theae paymenta diroctly,Borrower shall prompdy fumish to�snder rcceipts evideucing the paymcnts. - ----- __
<br /> , ' � Borrower aha11 pmmptly dlscharge any lien which has pdadty over thia 5ecurity Insnvment unless Bornower:(a)agrcES in � �w�.��==..-°�-=°R�:
<br /> wrlting to the payment of the obligation secured by t�e flen in a manner acceptable to Lender;(b)contesta ia good faith ttu lien '- - '�;�
<br /> • by. or defends againat cnfonement of the lien in, legal pmoeedings whtch in the I.ender's opinlon operate to pmvent We �"� "�
<br /> enforoement of the lien;or(c)Qecures ftom the holder of the Itcn an agree�ent satisfactory to I.ender aubordinatiag the lien to ••;�,:, -:�:tr�
<br /> this Security Instiument. If Lend�r determines tt►at any part of the Progerry is subject to a Itcn which may attain priority over .,%�=:;,.;�:��� ,
<br /> . this Secur{ty Instnwxnt. I.cnder may give Borrower a nottce identifying the lien.Borrower shall sad�fy t�e liem or take oae or %�"''�:���r Y
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<br /> moro of the acdous set forth above within 10 days of the giving of nodce. � ;�.
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