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- .�w"����� .. ,l.'Y•�- _ <br /> `�� -�• Y� . � ..�. ' � J.:.-M � _. ..._ <br /> � � �'(•� .��� x hr., ` ^. <br /> , r� : _��.: <br /> - � �� . ��4..A.� - - - - - .._ . .:�'- - .. <br /> . � - --- . - �� ....�..w..r.�- <br />.__'._._s��--.--.'� _ <br /> -__-----_-_- ��'- �0�'7'7.""i _ <br /> 7�pC}E7'H8R WITH dl th0 improvctnent�now or hercaftar crected on tho praperty.end all eocements,uppurtenances. <br /> _ ------ - --- -- -, en�Axtures now or har.rfler a p�tt of Ihc propeny. All rcpl�cemcnt� and addi�ion�shall�Iso be covered by this Socudty <br /> - � ]nctrument. All of Ihe foregoing!a rcfenrd ro i»this Security Inshument as the"Property.° � <br /> -- BORRUWER COVENATIT3 tha�Boirowcr is lswtully seiced of tha esta�c hereby conveycd and hea the right to grant <br /> u�d convuy the Propcxty and th�t tho Propeny ia unencumbeted.eacapt for encumbrances of record. Borrower wamnw a�nd <br /> �• - will defend general(y the titla ta tho Property againat all cleimr and demwMs.eubject to any encumbrenas of record. <br /> -- - THIS SECURITY INSTRUMENT combines uniform covenants for nstional use and non•�:niPorm covenantc with c <br /> ;`ky� BmiteA veriadons by judsdiction W consdtute a unlform securiry inswment covering real proparty. <br /> �.'r� tJN[FORM G'UVENAN'I'S. Bon+awer and Lender covenant and agnee as follows: <br /> --- -- 1. P�yment oi Prfec(pel and lnter�f;P�r.payment and I.ate Clwrgea. Borrower shnll pmmP��Y PaY when due Ihe <br /> __ � principal of and interest on the deht evldenced by the D'ote ctnd any prepayment end late charges due under the Note. <br /> .�.�-•�:.�n:1.�f� 2. �uads ior'11ues ond Insurance. Subject to appllcable law oe to a written w�ver by I.ender.8orrower sha0 pay to <br /> --.____s�.:__1__.:�, Lender on the day monthly payments are due under�he Note,untfl the Note is paid in full,a sum("Funds")for:(a)yearly <br /> ---•- taxes and assessmenta which may attain pdority over thls Security Ustrument as a Ikn on the Property;(b)yearly leasehald <br /> '�"'��'�-� payments or ground renta on the Property. if any; (c) yearly hazard ar property inaurence premiums; (d) yearly tlood <br /> --='°=:-'��; inaumnce premiums. it any; (e) yearly mortgage insurance p�+emtums. if any; and(� any sums payable by Horrower to <br /> °'-�""��`� Lender.in accordance wilh the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. 7'hese <br /> -- ltems are called"Escmw Items." Lender may,at any time,collect and hdd Funds in an amount not to exceed the maximum <br /> -- emount a lender for a federally related mortgage ioan may require for Borrower`c escrow account under the federal Real <br /> _ :.,— -_ _-� <br /> Fswtc Settlement Procedures Act of 1974 as amended from tima to time.12 U.S.C.$2601 et seq. ("RPSPA"),unlesa another <br /> ..:,;. <br /> ;� Iaw�hat epplies to Qie Fundn sets a lesser amount. If sc,.Lendcr may,ut uny time.callxt and hold n s n an amount nnt t� <br />-` exceed Uw lesser amount. Lender may esUmatc thc anount of Funds due on thc basis oi curtent dato ond roasonable <br /> � ecumotes of expenditurcs of futuro Eserow Items or othenvtse In accordance wf�h Applicuble law. <br /> The FLnds shall bc held in en institution whosc depoxitx ure in�ured by a fcder�l ugency. inswmentality.or entity <br /> (includin�L.ender,if Lender ia euch an lnstiwtion)or in ony Fcueral Nume L.aun Bank, Lender shull apply�he Funds to pay <br /> ' the 6+ccrow Itemx. L.eixier may not chuge Bartawer fcx holding and applyfng �he PUndx,annuolly nnalyzing �he escrow <br />-' . �� acc�wnt, or vcrifyln�Ihc Escrr,w Iteme. unless Lcnctcr puyK Borrnwcr intcrest on Ihc PlmdK und applicablc IAw permitx <br />°_ �, , Lender lo rtwkc �uch a churgc. Howcvcr,l.endcr may tcyulre Borruwcr tu puy u ane-tima churge for an independent real <br /> - eRtaie tax repoAinQ Kervlce used by Lender fn connection wi�h thiw loan.unlesR applicpble luw provldes otherwisc. Unless un <br /> � � ' ��--� agreement is made or applicable lew reqairc�interest to be paid.Lender qha!!nut be rey��ired to pay Bormwcr any interest ar � <br /> � '�, • '"�`,. � earnin�R on tho Funda. Bortowcr and l..ender may agree in writing.hawevcr.that interest Rhall be peld on the Flmds. Lender <br /> =f.:: �9 '�'���{' Rhpll give to Borrowcr,wilhout charge,on annuul Accounling af Ihe Fundx,showing creditR and debfes Io the Funds sind the <br /> purpoaie for which each debit to the Pbnds was made. Tha FuncW are pledged as additio�wl security for all sums secured by <br /> - _—'.'���,;-.-.,^�;; thi�Secudtylnstrument. <br />� ' '�°!'��. If the Funds held by Lender ezceed the umounts permitted to be held by applicable law,Lender shall account to <br />. • ,,,, ,. Borrower for�he excess Funds in accordunce with the requirernents of applicuble law. If the amount of the Funds held by <br /> ,,;..�.ti,, I.ender at any dme is not sufffcient to pay the Escrow Items when duc.Lender may so notify Borrower in wdting,and,in <br /> • :y�, *��s'�•;:`,• .-� euch case Botrower shall pay to I,ender the amount necessa�y to make up the de6ciency. Bortower shall make up the - <br /> - -- , def�cFency ia ne rnor_�hsst t••,•!„e monthly ps�rnecsts.�t Lender Q sote�}acreti�n <br /> �W,°�r::- ���>•� Upon payment in full of alt sums secured by this Security Insuument.Lendar shall promptly refund to Borrower any <br />_- "?:�.��-.��:-� .��.��• �nds held by Lender. If,under pa�agraph 2l,L.endcr shall acquire or sell the Property.Lander.prior to the acquisition or � <br /> � , .+:,?�:�•�° • .a � sale of the Property. shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums <br />_ ,,ar�,�•,.;��..�.��:s secured by this Securfty Inslrument. ° <br /> ' t:: .. -- 3. AppNcAtbn of Poyments. Unless upplicable law provides otherwise, all payments receivcd by Lender under <br /> ��--�-�-��� hs 1 and 2 shall be a hrAl:G�st,lu w� �e a nient char es duc undcr thc Note;second.to Amounts a able under <br /> � .�..• •� ° -^-- P�S�P PP� Y!� P Y � P Y � <br />'9 ' ;,�,;;,�:,, , ,"`' para�raph 2:third,to interest due;fourth,to principal due;and la.st,to uny late churges due under the Note. <br /> -,�r' ,��•�:�- ' 4. CharQes; Liena. Horrower shall pay all taxes, assessmen�g,charges, fines and impositions atMbutable to the <br /> ' -�^* � - PropeRy whicfi may attain priority ovcr this Security Insuument,und Icaschold puymcnts or ground rents.if any. Barrower = <br /> ' �<�'�. shall pay these obligations in the manner provided in parngraph 2,or if not paid in that manner,Borcower shall pay them on <br /> _ � ����-- >L time dinecdy to the person owed payment. Borrower shull prompUy Purnish to Lender all notices of amounts to be paid under <br />: ,.�� Y ' the paymen s. p Y Y� p p Y P B <br /> a ,�•�+ � this ara ra h. If Bortower makes these a ments direcd Borrower shall rom d fumish to Lender recei ta evidencin _ <br /> r- Borrower shell promply discharge aoy Uen which 6as priority ovcr this Security Instrument unless Bomnwer:(a)agrees <br /> .^".�=::i:T:.:�_.`... <br />-.� in wrfting to the payrnent of tNe obligation secured by the lien in n munner ucceptAble to Lender;(b)contests in good fafth the <br /> . '" lien by,or defends sgainst enforcement of the lien in,legal praccedings which in the Lender's opinion operete to prevent the <br /> � - ;,�,.':;�:;" enforcement of the tien;or(c)secures from the holder of the lien an ugreement satisfactory to Lender subordinaiing the lien <br /> �;" '' to this Securtry lnslrument. If Lender determines thnt any part of the Property is xubject to u lien which may attaln priority = <br /> �„ . over this Secudty Inswment.Lender may give Borrower u noticc identifying the lien. Borrower shal!satisfy the lien or take <br /> one or more of the actians set forth above within 10 days of the giving of notice. <br /> ' -' ...y�:. 5. Hazard or Property Insurance. Borcower shull keep the improvements now existing or hemaftcr crected on thc <br /> - - Property insured against lass by�re,hazards included within the term"extendcd covcrugc"and any other hazurds,including =- <br /> � " floods or flooding, for which Lender requires insurance. Thix insurunce shell be mainteined in ��e amounts and for the = <br /> '�: .. - <br /> .. 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