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<br /> TOOETHBR WITH all the improvementa now or hereafter erocted nn the property,and all easements,apputt�nances.and
<br /> flxtures now or heroofter a part oF the property. All repluxments and additiana shwll �I�o be covered by thi� Securlty
<br /> ___ ___ _ _ , .. lt�rument.All of the farcgoing fs referted to in this Securily InFtrument ax the'Pm�xny." .
<br /> BORROWER COVENANTS that Borcowcr is lawfully seised of the estate hereby conveyed end has the right to grAnt end
<br /> � convey �he Property und that the Property ia unencumberod,except for encumbrances of record. Horrower wwrnnts anci wlll
<br /> _ defead generally the dtle to the Praperty aga�nst all claims and demends,subject to an�encumbrances of record.
<br /> '''�----------------�—� THlS SECURITY INSTRUMEIV'f combines unifortn cavenants for national use and non-uniform covenents with limited
<br /> - varfations by judcdiction to wnstitute a uniform secudry inatrument envering real property.
<br />�;�; UNIFORM COVENANTS. Borrower and L.ender rnvenent and agtee as foUowa:
<br /> �� 1. Payment ot Principal and Interest; Prepa�yment and late Clwrges. Borrower shell promptly pay when due the
<br /> _____.=—J principal of and interest on the debt evidenced by the Note and any prepayment und late charges due under the Note. �
<br /> �,;s,��;,;�„�_ �. Funds tor Taxes And InsurAnce. Subject to applicable law or to a w�itcen waiver by I.ender, Horcower ahall pay to
<br /> �,�,,��.�;;�� Lender on the day monthly payments arc due under the Nrne.until the Nnte is paid in full,a sum("Funds")far:(a)yearly taxes
<br /> — �-=== and assessments which n�ay attein priodty over this Security Insuumeut us n lien uu tlie Property;(b)yNUriy Ir.u�ehold payments -
<br /> __�`�'s�'� or ground rents on tho Property,if any;(c)yesirly i�azand or propeny insurance premlums;(d)yearly 800d insurance premiums.
<br /> -- �——_ if any: (e)yearly mortgage insurance premiums, if eny;and(�any sums peyable by Borrower ta L.ender, in accordance with
<br /> the provisions of paragraph 8,In Ifeu of the payment af mortgage insurance premiums. Thesc items are called"Escrow Items."
<br /> --------- I.ender may, at any time, collect md hold Funds in an amount not to exceed the maximum amount a lander for a federally
<br /> --�°'"�_�"�'�'°°� reiated mortgage loan may require for Borcower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> ���'��� 1974 as amended fmm time to timc, 12 U.S.C.S�c:tion 2601 er sry. ("RESPA").unl�.ra unulher law that applies to the Funds -
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<br /> -=__�_`�r���•��='� sets a lesser amaunt.If so. Lender mey, at any time. callect and hold Funds in an amount not t�exceed tho lesser emount.
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<br /> Lender may estimate thc amount of Funds duc on the basis of current data and reasanablc estimatcs of cxpcnditures of futurc
<br /> �����'� � '' '" Escrow Items or othenvise in accordance with a licable law.
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<br /> --"'��Y:-.:,., The Funds shall be held in an institutian whose deposits are insured by a federel agency. instrumentality, or entity
<br /> — �.�""�� (including Lender. if Lender is such an instiwtion)or in any Federal Home Loan Bnnk. I.ender shnll apply the Funds to pay the
<br /> _.�? Escrow Items. Lender may not chatge Borrower far holding and upplying the Funds,annually anulyzing the escrow account,or
<br /> -�' �.�::, '� • verifying the Bscrow Items, unless I.ender pays Borrower interest on the Funds and applicable Iaw permits I.ender to make such
<br /> � �� ' , �� a char e However,I.ender rtw ire Bonower to a a one-time char e for an inde ndent real eslate tax re rtin servlce
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<br /> ��_;;=`�_���• used by Lender in connection wi�h this laan, unless applicable law provides otherwise. Unless an agreement is made or
<br /> _.r,.��-�� applicable law requires interest to be pnid.Lcnder shall not be requircd to pay Borrower any interest or earnings on the Funds.
<br /> _'--�„,; .. ;�-: r:- Sarrower and l.ender may agree in writing. IiBKCYCT, thai intcrest shall bc paid on thc Funds. Lcadcr shal! givc to Sorraucr.
<br /> without chargc, an annual accountin� of the Funds, showing cralits and debits to the Funds und the purpose for which each
<br /> —� • debit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Security Instrument.
<br />_--_s 1'�"�'`�+ � If the Funds held by I.endcr eacee�l the amounts permitted ta be held by applicablc law,lxnder shAll uccount to Borrow�r
<br /> -- '�'"� • �' for the eacess Funds in uccordance with the rcquiremcmF of applicublc law. lf the umount of the Funds held by Lender at ony
<br /> � 'c+w v�-,.:. .
<br /> _� ° Nme is not sufGcient to pay the Eurow Items when due,l.encler muy w nntify Borrowrr in writing, und, in+uch cu.K Borrower
<br />_��,`��� �.r.:c�i,t�` shnll pay ta L.ender�he amount ncccssury tu mukc up the deficicncy. &►rn►wcr ahall mukc up thc deticienry in no mare than
<br /> ,_� '�„w �.�� ".� + twelvc monthly puymcnts,at l.endcr'ti u�lc Ji�crction.
<br /> -= �;,r. .�.. . Upon paymcrn in full of ull wrn+ ,��ur��l by Ihi, Scrurity Instrumcm, l.cndcr shull prompdy rctund ui Borr��wer uny
<br /> � :'� - Funds held by l.ender. If,under psuuKroph 21, lxnder�bull ucyuirc ur xll thc Pn��r1y. IAnJrr,priar t���he ucyuisiti�m or wle
<br /> • � ��_�..:�..._; � of the Praperty,xhull apply uny Funds held by Lenckr at the�ime��t'ucyui.ltion��r�ule a�u cr��dh ugain.r•��he xum.,s�ecur�i by
<br />:�_�� �uac;� • . •. :� this 5ecurity Instrument.
<br /> -- t '�'� '" '" ' � 3.A IicaUon oP Pa ments.Unlesr a licablc law n�vidc,�Nhrrwisc,ull u mrntti rcrcivcJ h lw;nJcr under uru ra hs
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<br /> . ,,,`�,f�;.,"'.``�" 1 unJ 2 shull be applied:fir�, tu any prepuyment churgcti Jur unJer thc Nu1r; �cwnd, ta umounta puyuble under puragrnph 2; -•
<br />-,, " .� third.to interest due;Pounh,tc�principal due;unJ la�t,to uny lute ehurgeti Jue under the Notc. _
<br /> ��- '''� '�.� 4.Ciwrges; Lkns.Bonowcr shall puy all taxcti, +�ssc�sments, rharges, t7nes und impositions attributable to the Property
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<br />_ � ,:, °�. -. which may attain priority over this S�YUriry Intitrument, und IeaschulJ puymcnts ur gruund rents, if:u�y. Borrower shell pay
<br /> ��- 1 these obligptions in�hc munner provided in puragruph 2,or i f not puid in that manncr,BoROwer xhall puy them on time directly �
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<br /> ,��;;,: .. � to the person owed payrrKnt. Borrower tihall prompNy f'urnish to Lsndcr ull noticcti of umoumti to be paid under this parngraph. `
<br /> If Borrower makes these paymentti directly,Borrowcr shall promptly furnish�u I.crKlcr rcccipts evidencing the p•ryments.
<br /> �"��� BoROwer shull prnmpQy dischurge nny licn whirh hus priority over�hi�Sccurity Instrument unless Borrower: (u)Ugrees in -
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<br />=��"' .�' writins to the payment of thc obli�a�i��n xwun:J by thc licn i n a m,uiner ucceptablu tn LenJcr,(b)r�mtests in gaxi faith the lien
<br /> �'" �'�r ' � by, or dePends against enf�ircemem uf�hr iicn in. Irgul pr�xecJing. which in the I..�ndcr', upini�►n operate w prevent the
<br /> ��'"`•�� enforcement of thc lien: nr(rl sccures from thc halder of thc lirn an u�!rcrmcnt sati�furu�ry to l.enJcr whordinating the licn ta
<br /> ��y�,_ '�y : N, this Security Instrument. If LenderJctemiinex Ihut uny pah of thc Property i. .ubjcrt tu u licn which may uttuin priurity uver ■'
<br /> � � this Security Inxtrument,L.enJer may givc B��rrowcr a notire iJrntil'yin�thc licn. Burr��wcr,liall�ati.fy thc licn ar Wke one or
<br /> more of the uctions set forth aiwve within IU days�if thc givi ng��I'n��tirc. �.
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