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<br /> � TO(36THBR W1TH tll U�ta iaoprov�aow or henaflu e�rectod on Iho PropertY.and dl ea�aanu�y�purtau�noa�nd
<br /> - flxpua now or F�eneatter � put of tho property. All aQlYCemenb ond additions �hall alw ba eovuod by this Sacurlty
<br /> � ' lowuatent.All of t6o fm�eQoit�i�nefetrad W in thia Socudty Instnimait at tho"Property.'
<br /> ; BORROWHR COVENANT3 that Bc�mnwer i�Iawfi�lly�efsod of tho awta hcrcby convayed and hw Ihe right to�rant sad
<br /> ' comrey tho Property utd th�t the P�q�eRy it unencumberod� exapt for encumb�noes of rocord. Bomnwer wamntr�nd wiU
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<br /> - - defead generAlly the t�tk w tho Propetty agdnst�11 claims and demandr. abject w any encumbranoes of record.
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<br /> - � THIS SBCURITY IN3'I'RUMENT com�inea uaiforan covenonta for nwtional use s�ad non-unlform cove�wnts wjlb I
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<br /> .;r�• varlotiaas by juri�diction w conctlrot�a uniform�ocurity in�tn�rnent wverfng rcal property.
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<br /> UARFORM COVBNANT3.Bonawer md Lender oovenont an�1 agree�n follows: °
<br /> 1. P�yp�eot ot Prladql �ad Iotei+dti �P�Y��d Lak C�ca. Borrower ch�ll P�P��Y Pa9 when due the
<br /> - prit�cipal af aad Interat on the debt evldenad by the Note and anY P�W+Y�nt And lote chugea duc under the Note.
<br /> 2.F�un�!or Tuea�ad Iawranoe.SubJect to applicable law or to A wrltten waiver by Lender. Borrower ah�ll pay W
<br /> Lender on the day monthly pxyments ar�e duo under the Note,until the Nnte is paid in full,a sum("Funda')Ear:(a)yearly t�xe�
<br /> �nd asteswnentr which may atuiia prlority over this Security Instrument as Q licn on thc Prope�ty:(b)Yesuly leasehold paymeab
<br /> F.��--� � or�round ront�on the Prnperty�if any.(c�Yeuly htu.ard or prapeny inauranoe prcauums:(d)Ycarly flood inRUraaoe prcmiums,
<br /> if any:(e)yearly mortgagc iasuraace premiuma.if any;and(Q aay eums payable by Borrowcr to I.cnder. in accordancx with
<br /> the pnnvisions of pa�gra�h S,in liw of the payment of mortgnga insurencx premiums. These itema er�e called"Escrow Items.'
<br /> i�ender may, �t iu►y time.collect and hold Funds in an amount not w exceed the mauimum amount a lender for a foderally
<br /> - nel�ted murtgaue lo�n may re,qulr+e for Bomnwer's eserow ac�ount under the federal Rw! Estate Settlement Procedutes Act aP
<br /> --- — 1974 as amended from tlmo w tirro. 12 U.S.C. Sectfon 2601 et seq. ("RESPA"),unless another law tlwt applies tu the Funds —
<br /> - -�• - _ --- .,--_ , seta A las�er amcwnt. If so, Iender may. at any tlme.collect and hoW Funds ia s�a amount not to excood the Iesser omount.
<br /> _�..,$� ------ Lender rtwy e�timAte the amount of Funds duc on the basis of cument daw and�osorwble estimates of expcnditutea of fuwro `
<br /> _ """-""-''�'� E�crow items or otborwicc in�oco�danoa wl�h applica6le law.
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<br /> -H�; The Funds shall be held in an institution whose depostts nr�c insured by a fedcral agency, instnimentaliry, or entity
<br /> 'W� (including I.ender,if l�ender is such an insdwtion)or in any FederAl Hame L�n Bank. Lender shall apply the Fund�w pay the
<br /> �-�'`� �;�, ,'� ;; Escrow Items.l.ender may nut chetge Borrowcr for holding and applying the Funds,annually analyzing thc escrow acoount,or
<br /> `'�;. � 'y; ver�fying the P.scrow items,unless L.ender p�ys Borrower interest on the Fuads ond epplicable law permits Lender ro m�lce such �,,
<br /> `_ f •' '�'-;;:�• ;.:: a cluuge. However.Lender may rcquire Borrower to pay a one-time chargc for an independent real cstate tax reporting service �_
<br /> usad by Lendcr in wnnection with this Man, unless applicablc law prnvides otherwise. Unlcss an agrccment is madc or �_
<br /> °�'_h_'• applicable law requires intenest to be paid.Irnder shall not be rrquired to pay Homower any interest or earnings on the Funds.
<br /> --,;;,,:. � Bomnwer and l.er�der may agree in writing,however,that intcrest sh�ll be paid on the Funds. l.ender shall give to Borrower.
<br /> ��� ��_.`_;_r� without ch4rge, an annual Acoounting of the Funds, showing cradits and debits to the Funds and the purpose for which each
<br /> .:.;��'�' '�`�`� '#_ : debit to the Funds was msde.The Funds are pledgai es additionol security for all sums secured by this Sacur�ty last�ument.
<br />_��i�,;,: •., ; • :. If the Funds held by Lender excead the amounts permitted to be held by applicable law,Lender shall account to Borrower
<br /> _}_°�. , �''�',�:,,t"'' for the excesa Runds in a000�dence with the requirements of applicable law. If the amount of the Funds held by l.ender at any
<br /> "'t time ia not suiticient to pay the Escrow Items when due,Lendcr may so notify Bormwer ln w�iting.and,in such case Borrower
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<br /> • " shall pay to I.ender the amount necessary to make up the deficiency.Borrower shall make up the deftciency in no more thaa __.
<br /> _ . rivelve monthly payments.at Lender's sole discr+etion. ___.
<br /> . Upon payment in full of all sums secured by this Security Instrurnent, Lender shall promptly refund to Borrower any
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<br /> ±;�Y� u•� Funda held by Lender.lf,under paragraph 21, Lender shall acquire or sell the Property,Lender,prior to the acquisition or sale
<br /> �. :�" �"' 4 of the Property. shell apply any Funds held by l.ender at the tirne of acyuisition or sale as a credit egainst the sums secured by __
<br /> °t• „�-rr � thi�Security Instrument. _
<br /> �w� ` 3.Applicatlon of Payments.Unless applicablc law provides otherwisc, all payments reccived by L.ender under paragraphs _—_
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<br /> �.. ,�•q.,: •: 1 and 2 shall be applied: first,to any prepayment charges duc under the Notc; secand. to amounts payable under pa�agraph 2;
<br /> � third.to interest due; fourth.to principal duc; and lasl,to any late charges due under the Nnte. �.__.
<br />"'�`" 4.Chorges; Liena. Borrower shall pay ull uuces,assessments, charges, fines and impositions att�ibutable to the Property
<br /> � �'"y°°• ` � which may attain priuriry over this Securlty Instrument, and Ieuschold payments or ground rents, if any. Borrower shall pay ��
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<br /> '�' �.:°�, � these obligations in the manner provided in paragraph 2,or if not puid in that munner,Burrower shall pay them on timc directly �,n;.,
<br /> � �;."�'��- to the rson owod a ment. Bonower sholl rom I furnish to[.ender all notices of amounts to be uid under this h.
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<br /> - � "`'�" If Horrower makes these payments directly,Borrower shull prornptly furnish to Lender receipts evidencing the payments.
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<br /> -- - ,� � Borrower shall promptly discharge s�ny licn which hes priu rity over this Security Instrument unless Borrower.(a)agrets in _,_
<br /> . ' ''�' - ,r,' � wdting to the payment ot'the obligation secured by the lien in a manner acceptable to l.ender;(b)contests in good faith the lien -
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<br /> by. or defends against enfarcement of the lien in, Iegal proceedings which in the Lender's opinion operate to prevent the
<br /> ° ". ��,�,; - r r• enforcement of the lien; or(c)securcs fram the holder of thc lien en ognxment satisfuctory to Lcnder suborciinating ttie lien to _
<br /> - ,�: ��'� �` this Security Instrument. If Lender determines thut nny part of the Propeny is subject to a lien which muy attain priority over =°
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<br /> , ���; v;;, , ' this Security Instrument, Lender may give Bormwer a notice idcntifying the lien. Borcower shull sati�fy the lien or take one or �'
<br /> , more of the actions set forth above withio t0 days of the giving of notic.:.
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