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<br /> TODETHER WITH ull the ir.iprovements naw on c�reafter erected un the propeny,and ull H�scmcnts, appurtcnanccs,iuid ,_
<br /> �' � � �� ; fixtures now or hereafter n part of the propercy• AU repincements and udditiuns shull adso he covered by this Security
<br />' '���� lnsiniment. All of thc foregaing is rcfcrrcd to in this Sccurity Instruinent ns thc "Prop�crty." j�
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<br /> •� E30RRnWHR COVBNANTS th�t Harrowcr is IawPully sciscd af thc cstiuc hcreby cnnvcycd luid has thc right to grant and
<br /> � � convey the Propeny und ti►u�tl►e Property is unencumbered, exccpt fnr encumhruitices nf rernrd. [3orrmver warnmts und will Ia
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<br />��'�4`- defend gener�lly the tide ta the Property agninst all cluims und demands,suUject ta uny encumhrunces of rccard.
<br /> i�"�' ' TH1S SBCUR[TY INSTRUMENT combfnes uniform covenunts for national use und non-uniform covenunts with limited �
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<br /> +•::===' variations by Jurisdiction to constitutc a uniform sccurity instrument�ovcring rc,il property.
<br /> UNIFURM COV�NANTS. Borrowcr und I.cndcr covenunt und u�rcc us fotlows: ;
<br />�'""�"'"�� 1. Puyment oP Principul And Interest; Prepayment and Lntc Charges. Borro�vcr shall promptly pay whcn duc thc ._
<br /> � principal of and intcrest on the debt evidcnccd hy the Nute and any prcpaymcnt and late charges due undcr the Notc. _
<br /> • � 2. F�nds far Taxes and Insurance. Subject ta upplicuble law or to a wrinen waiver by Lender. Hnrrower shall pay to
<br /> • L.ender on the day monthly payments arc due undcr tlte Notc,urdil the Note is paid in full,a sum("Funds")fur: (u)yearly taxes i
<br /> :;;;c':',t:�` and assessments whicn may uttain priority over this Security Instrument as a lien on the Property; (b)yenrly leasehold paymen�s
<br /> �'4f;•:'� or ground rents on the Property, if Any; (c)yearly hazard ar praperty insurnnce premiums;(d)yearly flood insurance premiums,
<br /> �=�x`� if any; (e)yeurly mo�tgage insurance premiums, if any; and(�any sums payable by Borrower to Lender, in accordance with
<br />�'-`;'- °� the provisions of paragraph 8, in licu of the payment of mongage insurance premiums. These items are caUed "Escrow Items."
<br />�'+=� � � C.ender may, at any time, collact and hold Funds in an amount not tu exce�l the maximum amount a Icncler for n federa!!y �
<br />�'�'ti';�':�� related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlament Procedures Act of :
<br /> 1974 as ameiided from timc to tirnc, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless anather law that applics to the Funds
<br />-�nf�: sets a lesser amount. If so. Lender may, at nny time, collect and hold Funds in an amount not to exceed the lcsscr umount.
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<br /> -� 'y,•�,; ' Lender may estimatc the amount of Funds due on thc basis of cunent datn and reasonable estimutes of expendiwres of future
<br /> '�'" Escrow Items or atherwise in accordance with applicable law.
<br /> '`��`' The Funds shull be held in an institution whose deposits are insured by a fedeml agency, instrumentality, or entity
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<br /> ��,;,�`".���; (including Lender,if Lcnder is such nn institution)or in any Federal Heme L.oan Bank. I.ender shall apply the Funds to pay the i
<br /> _--__�� Escrow Items. L.ender may not charge Bonower for holding und applyin�the Funds,annually analyzing the escrow account, or
<br />--�=���;� verifying the Escrow 1rems,unless Lender pays Borrower interest on the Funds und applicable law permits Lender to make such
<br /> -��a.,s:
<br /> .=ti;„}�� a chnrge. However, T.ender may require Borrower to pay a one-time charge for an independent real esutte tax reporting secvice
<br /> __:� used by I.,ender in cannection wtth this ioan, unles� appiiutbic iau pr�ridc� athera�„. Lnl� an sar?ement ic mnde or
<br /> —_---�� applicabte iaw requires interest to be paid, Lender shull not be required to pay Borrower any interest or earnings on ihe Funds.
<br />— - � Borcower and Lender may agree in writing, however, that interest shaU be paid on the Funds. I.ender shall give to Borrower,
<br />___�=z'"=_� without chprge, an unnual uccounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> —:�;� debit to the Funds was made.The Funds ure pledged as ndditional security for all sums secured by this Security Instrument.
<br /> -_-'�� If the Funds held by Lender exceed the amounts peimitted to be held by applicuble law,I.ender shnll account to Burrower
<br /> � for the excess Funds in accordance with the rec�uirements of applicable law. If the amount of the Funds held by Lender at any
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<br /> —_ time is not sufficient to pay the�scrow i[ems wii�u uuc,Lc��dc, ���ay'��otify Borro�ver in writing,and,in such cnse orm�ti�er
<br /> shall ptty to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than —
<br /> -�--- --- iwetve monthly payments,at Lender's sale discretion.
<br /> Upon payment in full of ull sums secured by this Security Instrurnent, Lcndcr shall promptly refund to Barrowcr any
<br /> Funds hcld by L.ender.If.under paragraph 2l, Lender shall acquire or sell the Property,L:nder,prior to the acquisition or sale
<br /> of the Property. shaDl apply any Funds held by Lender at the time of acquisition or slle as a credtt against the sums secured by
<br /> this Securiry Instrument.
<br /> 3.Appltcation ot Payments.Uniess upplicahle taw provides othenvise. all payments received by Lender under paragraphs
<br /> 1 and 2 shall be app�ied: first. to any prepayment charges due under the Note;second,to amounts payable under parugraph 2;
<br /> �� third.to interest due:fourth,to principal due;and last,to any late chnrges due under the Note.
<br /> �--���— 4.Charges;Lfens. Borrowar shall pay till taxes, assessments, charges, fines and impositiuns attributuble ro the Property
<br /> which may attain priority over this Security Ins�rument, and le:►scliold payments or ground rents, if�ny. Borrower shall pay
<br /> these obligations in the manner provided in paragraph 2.or if not paid in that manner, Borrower shall puy them on time directly
<br /> to the person owed payment.Borrov�er shalt promptly fumish to Lender all notices of amounts to be paid under this pan►graph.
<br /> — If Borrower makes these payments directly.Borrower shall promptly furnish to Lender receipts evidencin�the payrrents.
<br /> Borrowcr sha11 promptly disshargc any lien which has priority ovcr this Security Ynstrument unless Borrowcr: (a)agrees in
<br /> --�---= �vri�ing io Ii�o p+�ymcnt aF thc abligatica s�used b�t!�c lien in a mannrr accentnble to I.ender. (bl contests in good faith thc lien
<br /> --_—-- by, or defends aguinst enforcement of the lien in, Iegal proceedings which in the Lender's opinion operate to prevent the
<br /> " — — enforcement of thc lien: or(c)secures from the holder of the lien an a�►�eement sa�isfacrory to L.ender subordinating the lien to
<br /> -�'_;�;i�;�� this Securiry Instrument. if Lender dctcrmines that any part oE the Froperty is subject ta a lien which may attain priority over
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