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<br /> , TOOETHER WITH all the improvemcntr now a herc�er erectod on the property,and all eaaementa,oPPurtenu�oes.
<br /> uid flatures now or hereatter a ptut ot Ihe praperty. Ali tepincements and Ad�itic►ns sh�ii aiso ba coveral by thir S�cu�ty
<br /> ------ InWrumenG All of the farcgoing is rcfem�d to in thic SKCUrity Insaument es the"Property."
<br /> -- BORROWER COVENAiV7'S Ihat Borrower is lawfully seiced af the estate hereby conveyed and has thc right to grant
<br /> uid convey the Property and that the Property is w►encumber�ed,eacapt for encumbrances of record. Borrower wamntc and
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<br /> wiU defend generally tho t�Ue ta Ihe Pmpeny aQainst all claims end demends,eubject to any encumbrances of record.
<br /> �— 7`�US SECIJRITY 1NSTRUMENT combines uniform wvenanu for nalional use und non-unifartn covenanw with �
<br /> ,:� limitod va�iadona by judsdiction to consdtute A uniform security Inetrument covering real property.
<br /> �!p� - UNIFORM COVBNANTS. Borrower and Lender covenant and agree as followa:
<br /> ��..� 1. Paymeat of Prindpal and Yntercsti�'epa9ment wnd i.�le Ciwi��es. Borrowcr sha{{prompily pay whcn due the �
<br /> �__�__� princlpal of And lnterest on the debt cvidenced by�he Note and eny prepaymcnt and late charges due under the Note.
<br /> — — 2. �od�for'Ihxes�ad in�urAace. 3ubject to opplicable law or to a written waiver by Lender,Borrower shall pay to
<br /> -� `- � " '� Lender on the day momhly payments arc du�under the Note.undl thc Natc ic paid in full, a sum("Funds")for.(u)yearly
<br />� - taxes and asseasmenta whjch mey unain pr�ority over this Security Inswment as a I�en on the Property:(b)yearly leasehold ~
<br /> payments or ground rents on 1he Property. lf any: (c) yeaziy hazard or property insurance premiums: (d) ycarly 800d
<br /> — -- lnswpncx premiuma, if any; (e)yearly mortgage insurance premiums, if eny:and(� any sums payable by Borrower to
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<br /> --= ' Lender�in accordance with the p�ovisions of paragraph 8,in lieu of the payment of mongage insumnce premiumA. These
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<br /> I itenu air called"Escr+aw Iums." Lender may,at eny nme,collect and hold Fur�In an amount not ro cxceed the msuimum -
<br /> - _____ amount a lender for a federaUy releted mortgege loan may require for Bomowers escrow account under the federal Real
<br /> Estale Settlement Pracedures Act of 1974 as amended from dme W time.12 U.S.C.�2601 er seq.("RESPA"),unleas another
<br /> t�� - law�hat applies to Ihe Pundr seta a lesser amoun� If so,Lender may.at any time,collect and hold Funds in an amount nol to -
<br />- ezceed the Icsser amount. Lender may esWnate the amount of Funds due on the basis of current detu and reasonable
<br /> � ` �'• .;�;;' •� estunatea of eapenditures of futuoe F.scmw Items or otherwise in accocdonce with applicable law.
<br /> ' .�r•. . ' � The Funds shall be held in an institution whose deposits are insured by a federal agency. instrumentaliry, or entity
<br /> -_ � � (including Lender,if[.ender is such an institution)or in any Federal Home Lonn Bank. I.ender shall epply the FLnds to pay
<br /> . `� '��"' ��'�� ��, the Escrow Items. L.ender may not chazge Borrower for holding and applying the Funds. annually analyzing the escrow _
<br /> • �'''�~i�,�:"° account,or ver[fying the Escrow Items,unless Lender pays Borrower interest on the Flinds end applicable law permits
<br /> �� •• ����, ;. Lender w make such a charge. However,l.ender may require Borrower to pey a one-time charge for an independent real
<br /> _�t � '-� estate tax reporting servics used by I.ender in connecdon with thla loan,unless uppltcable law provldes otherwise. Unl�ss an
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<br /> I�`�rty,��. , ;-�"..:.' � agreement is made or appliceble law requires intercst to be peid,Lender shall not be requ i re d to pay Borrowcr any interest or
<br /> _ ;: $�;1,;. �, , ;, .� �: eaminga on the Ftinds. Borrower and Lender may agsee in writfng,hawever,thet interest shall be paid on the Punds. Lender
<br /> ~'_.�4 ����: _, shall g�ivf�hicrh each debit to the Funds wos made. '['he�Funds u+e�l dA�ed as iaddihonal securiebfor�all sums secured b
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<br />, this Security Instrument.
<br /> • ' ,,.,,.,;,,,, . . ✓q If the Funds held by Lender exceed the amounts permitted to be held by applicable law. Lender shall account to
<br /> � .` � Borrower for the excess�nds in accordance with the requirements of applicable law. If the amount af the Funds held by
<br /> � � • . • ' � Lender ut any time is not sufFicient to puy the Fscrow Items when due,Lender may so notify Borrower in wridng.and,in
<br /> such case Horrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the
<br /> � . i deticiency in no more tha�twelve monthly payments.at Lenders sole discredon. _
<br /> ° � • �� Upon payment in full of all sums secured by this Securiry Instrument, I.ender shall promptly refund to Borcower eny
<br /> . . 'u�K!•;,-. ,,�Ns� � Funds held by Lender. If,under paragraph 21, Lender shall acquire or sell the Property.Lender. prior to the acquisition or
<br /> " , , •°�;;, sale of the Property, shall apply eny FLnds held by Lender at the time of acquisition or sale as a credit against the sums
<br /> •� � c � secwed by this 3ecurlry Inslrument.
<br /> � - �^?�``_:�'�'""•-���. :- 3. Appltcatlnn of Paymenfa Unless applicable law provides otherwise, all payments received by Lender under
<br /> ' ''�Y"" paragraphs 1 and 2 shall be applied:first,to any prepayment charges due under the Note;second,to amounts payable under �
<br /> �K` � � paragraph 2;third,to interest due;fourth,to principal due;and IaYt,to any lute charges due under the Note.
<br /> �+`� ' ' - 4. Charges; Liens. Borcower ahall pay all taxes, nssessments. charges, Pu►es and imposidons attribut�blc to the
<br /> ���`� � PropeRy which may attain priodty over this Security Instrument,and leusehold payments or ground rents, if any. Borrower
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<br /> l � shall pay these obligations in the manner provided ln p�mmgraph 2,or if not pald in that manner,Borrower shall pay them on
<br /> ] �� • �!� ,.�' ' tlme directly to the person owed payment. Horrower shull prompdy furnish to Lender all notices of umounts to be paid under
<br /> • ;�s�%• : . ., this paragraph. If Borrower mekes these payments directly, Borrower shall promptly fumish to L.ender receipts evidencing
<br /> ;�,' the payments.
<br /> � "�r'�"'' `�""n Borrower shull promptly dischurge any lien which has priority over this Security Instrument unless Borrowee(a)agrees
<br /> ��� o `. in writing to the payment of the obligation secured by�he lien in u manner ncceptable to Lender,(b)contests in good faith the
<br /> �`+•. ��_ � lien by,or defends ageinst enforcement of the lien in,legal proceedings which in the Lender's apinion opernte to prevent Ihe
<br /> . �� • . � . i enforcement of the lien;or(c)secures irom the talder of the lien an agreement satisfactory to Lender subordinating�he lien
<br /> to ttiis Security Instrumenl. If Lender determines that any psut of the I'roperty is subject to a lien which may nttuin priority
<br /> � '' ` over this Secudty Instrument.Lender may give Borrower a notice identifying Ihe lien. Borrower shall satisfy the lieri or teke
<br /> ' ` „y,., _ � one or more of the actions set forth above within 10 days of the giving of notice.
<br /> �•� . ,��V'� ' S. Hazard or Pro rt Inaurance. Borrower shall kee the im rovements now existin g on c�rcnRer erected on the
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<br /> . � Properry insured ugainst loss by fire,hazards included wi�hin the�erm"extended cnveruge" and any other haznrds, including
<br /> � ; � floads or tlooding, for which Lender requires insurwu:e. This insurance shall be muintained in the amaunts and for the
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