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<br /> TOCiSTHER W1TH nll tho impruvcmcnts now ur hucuftcr crcc�ut nn tha propertY,«nd :►II cascmcnGy,appurtcn�inces, .md
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<br /> .c` fixtutcs now on c�rc,�ftcr a pnrt af Ihc propeny.All tcplaccmcnts tind nclditim�s sl�nll nko Uc covcrecl by this Sccurity Instrumcnt, '��si�;+'
<br /> � � `�� All af�ho forc$oing is rcfcrrcd to in this Sccurity Insuumcnt as tho"PropenY." -°"_��
<br /> :� �30RROW�R COVC'NAN'I'� that Horrotiver ia l�wfully seiscd at�ho cstnto hc��cby convcycd iu►d has thc riBht to gn►nt�uid
<br /> nva tho Pro rt and that the Property ia isnencumhesed. except for encumbrances of record. Borrowcr wwi+u�Gy und wlll �1_M,--
<br /> co Y P� Y
<br /> �.�'"� �i , ' defend genernUy[ha dtlo to tho PcaAertY�Aainst all claims and dema��ds,subJoct to any encumbrances of recard. -• �:.
<br /> ,„� THIS SECURIT1l INS'TRUMBNT cambines uniCorm covcnnnu far nntianal usc nnd non•uniform covcnun�v widi limitcd �;�,,,,_
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<br /> �.�.�;,,,.-.�-�,.r vnriattons by Jurisdicdon w consdtute a uniform cect►rity lnsuumcnt covering rcal pr�perty. ��
<br />'"'' '� UNIFOItM COVflNANTS.Bormwcr end Lendrr covcnunt tu►d agrec a9 follows: �_.�
<br /> �'� 1.Payiuent of P��incipu!and Interest;Prepayment end Lnte Charges. Bonower shall prompdy pay when duc tt►c _
<br /> r__--
<br /> ,; ' � prittcipal of and intcrest on t�c debt evidenced by the Note and any prepayment und tatc churges duc under Uic Note. __
<br /> ' ' 2.F�nda for Twxes and Insurance. Subject to applicable law or to a wriuen waivcr by I.ender, Borrower sha11 pay to
<br /> � � Lender on the day monthly payments are due under the Note. undl�hc Note is paid in full,a sum("Fund�'i) Icascho payments
<br /> . . ,� _
<br /> and assessments which may attRin priority over this Security Instrument as a lien on die Properry;(b)Y Y _
<br /> :�,,:. or ground rents on the Frope.rty,if any;(c)yearly hazard or property insurance premiums;(d)yearly flaod insurznce premiums,�f =
<br />'Ar' " • �•� � any;(e)yearly mortgage insurance premiums,if a�y:and(� anY sums payable by Borrower to Lender,in accordance with the
<br /> • • •.. ' p r o v l s i o n s o f p a r a g r a p h 8. i n Geu of die px yn�ent of mortgage insurance premiums. These items aze called "Bscrow Items."
<br /> �' "��"��` � Lender may,at any tune,collect end hold Funds in an amount nat�o exceed die niaximum amoun t a l e n d c r f o r a f e d e r a l l y r e l a t e d _
<br /> � ���� i mort�age loan may regiare for Bonower's escrow account under the federal Real Fstate Settlement Proceduzes Act of 1974 ac _
<br />'��� '`� - " � 12 U.S.C.Secuon 2601 et seq. ("ItESPA"),unless unother law tha[applies to the F�mds sets a lesscr
<br /> _>t;i;,� ; z� �_
<br /> _. ,�{,� r amended&om tune to dme.
<br />"�,'�•`'!� amount If so,Lender may,at any time, collect And hold T�nds in an amount not to exceed die lesser amount. L.cnder may -
<br />:��x�`.`,!;�;, � estimatc the�unount of P�nds due on the basis of current datsa and=eusonablc estimmates of expenditures of funue Escrow Itcros or �
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<br />,.,.:. •. otherwise in accazdtu�ce with appllcable]aw.
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<br /> :,,�.__,{� The Funds shall be hold in an insdtution whose depasits are insu�eci by a fcderal agency,�5��e Fu ds tocna tythc B crow
<br /> �F�� Lender.if Lendes is such an inotitution)or in any Feder�+1 Home Laan Ba��lc. Lendcr shull apply P Y
<br />-_='� Items.Lender may not charge Borrower for holdIng snd applying the Funds,annually analyzing the escmw account,or verifying
<br /> `^'''.�...,.— the Escrow Items,unless Lcnder pays Boaower interasc on tho Funds and appllcable law percnils Lend�r to make such a chesge.
<br /> Y However,Lender may requira Bonvwei u, �,ay a�nvsitsse�l:�.'oe fnr nn indepcndent real cs�atc tax teporting setvicc used by
<br /> ---_��►�'.
<br /> _����r��; Lender in connecdon with this loan,unless applicable law provides otherwise.Unless nn Ab*�ment is made or Applicablo tnw
<br /> -�:;ai�► rcquires interest to W pald.Lender sh�ll not be rcguircd to pay Bo►rower uny tnterest or earnings on Qio Funds.Boaowcr ond
<br /> -��-- L,ender may agree in wridng,howovet,that interest shall be pald on�he Funds.Lcnder sSQ o i�h�h°�ch dcbit t�the�unds was —
<br /> ennual eccounting of tha Funds.ehowing credits and debits to the�Lnds nnd tho purpo
<br /> ---- made.The Funds are pledBed es eddidonal securlty for all sums sccurcd by thts Sccurity Ins��mcnt.
<br /> If tha Funds held by i.ender excecd the amounts permitted w ba held by applicable 1aw,Lender shall account to Borrower for
<br /> the oacess Funds in accordanca wit1�d►e requirements of epplicable law.If the amount of the P1�nds held by Lender nt any timo is
<br /> not svfGcient to pay 1ho Escrow Items when duo,Lendcr may so r�aaFy Borrower in wridng,and,in such casa Borrower shall pay
<br /> --- to I,ender the amount nacessary co make up dia deficiency.Bortower shall make up the deficiency in no more than twelve
<br /> monthly payments,at Lcndet's sola discredan.
<br /> Upon payment in fiill of ell sums secured by this Security Instmmc.nt,I.endcr shall prompdy refund to Bonower anY Funds
<br /> held by Lei►der.If,undet ptuagiaph 21.Lendes shf►ll acquire or sell the Property,Lender,prior to the acquisidun or sale of the
<br /> � � Prope�ty, shali apply any Funds held by Lender at the time of acquisidan ar sale as a credit against che sums secured by this
<br /> --- 5ecurity Insttumen�
<br /> 3.Applkatlon of Paymente. Unlass applicable law provides othenvise,All puyments received by Lender u�ides paragraphs
<br /> -- 1 and 2 shall be appllcd: first, to anY P�Payment charges due w�der the Note; second, to amounts payable under paragraph 2;
<br /> - " third,W interest duo;fourth,co princlpal dua;and l�st,to any lxte aHar6as dua undcr the Notc.
<br /> - 4.Cbarg�;Liens. Borrower shall poy all tfu�es.assessmex�ts,chiv�as,fines and impositions attributable to the Pmperty
<br /> -� whic�msy attnin priority over this Secutiry Insttument,and lcasehold paymants or ground rents,if any.Borrower shall pay these
<br /> obligltions in die manner providod in paragaph 2.or if not p�id in thut mw►ner.Boaowec shall pay them on time dilecdy tn the
<br /> ps,rson owcd paymenG Bormwer shall promptly fumiet�co Lender all notices of amounts to be paid undcr this para�rraph.If
<br /> --°— Borrowcr makrs these payments dim.ctly,Bomower shtill prornpfly[umi�,h W I�ender reccipts evidencing the payments.
<br /> -'�� Borro�ver shall prompily dischargo any licn which has ptinrity ovet dile Security Instrument unless Bonower: (a) a$rees in
<br /> -- '�--•�;� �vricing to dia payment of the obligarion securad by thn lien in a mnnnnc acceptable w Lender;(b)contests in good faith tha lien
<br /> 1��=;,�,-�„�.+� by, or dafends ageinst enforcemant of tho licn in, log�l praccodinBG �vhich in thc L,endet's opinion operate to prevene the _
<br /> -'=:.���� enforcement of tha lion;or(c) secures from tho holdac of tho tian an agresment satisfactory w�..ender subordinnting the lien to
<br /> _-:'�l:� this Securiry Instrumont.If I.ender determinas that c�n9 p�rc af tt►a RoPnccY is subject to a lien which may attnit►prinrity over this
<br /> -`°•'�°=S��, Security inst�umen�Lendcr may give Borrow�cK a notice idendfying tlie lien.Borrower shall satFsfy the lien nr tako oue or more
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<br /> .__�,;=,•�}�. of the acdons set forth ahovo within 10 days of the giving of nodcc, Form 3o2e eieo
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