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<br /> f�' ` Tp�Ei'HER WITH all the improvemeuts now or hereaftes ereccaf on the properry.and all easemerts.appur[enances.and .
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<br /> �" fixtures now ar hereafter a part of the property. Ail replacements and additions shall atso be mvered by this Secnrity �, ���� ` .
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<br /> •• Instrumen�.att of the foregoing is ceferred to in this Sea►rety Instnunent ac the"Froperty." �.,,�, �.f:
<br /> ` .. '� `��` BORROWER COVENANTS that BorFOwer is lawfully seised of the estate hereby conveyed and has the right to�rant and �:.�.,F'�:-
<br /> � `��—: comey the Property and that the Property is t�nencumbered,except for encumbrances oF record. Borsower warrants and wit� '•, �,; _
<br /> = _ '""`%�= d e f e n d g e n e r a l l y t h e t i d e to the Pro pe rt y a gainst all claims and demands.subject to any encnmbrances of record. ` _��_�.;..�- ` '.' `
<br /> - - THIS SEC'tTtiPCY INSTRt3MENT combiaes uniform covenants for nationa! use and non-uniform covenants with limited ' . L r '•._<.
<br /> " variations by jurisdiction to canstitute a unifo�security insuument covering real property. �" t � ,
<br /> . iJNffORM COVENANTS.Borrower and Lender cove�tt and agree as foltows: � ��...,` _,
<br /> 1. Payment oY Prindpa!and Interest; Prepayment and I.ate Cha�ges. Borrower shall pmmpdy pay when due the ,
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<br /> ' principal of and inte�st on the de6t evidenred by the Note and any prepayment and late charges due un d e r t he Notc. � � �,
<br /> � 2. Faads for Taxes and IaSUrance. Subject to applicable!aw or to a wriuen waiver by L.ender. Borrower shai!pay to ._.
<br /> ,; ,�. I.ender on the day monthty paymems are due under We Note,wltil the Note is paid in full.a sum("Funds")for.(a)yearly taxes� °.`-, ` -_ -
<br /> " and assessments which may attain priority over this Secarity Instn�ment as a lien on the Property;(b)Year1Y leasehold payments , '• ��-=�
<br /> eart fload insurance temiums. 4 '��` '� " -
<br /> ' ar ground renu on the Property.if any:(c)Yearly ha7aid or�roperty insurance premiums:(d)Y Y P . - --
<br /> �`t ^ - • °: if any;(e)Year�Y mortgaSe inc�ran�premiams. if any;and(�anY sums Payable by Borrower to Lender,in accordance witb : . � =- .-
<br /> - �• , � ;;-•� the provisions of paragragh 8,in lieu of the payment of mortgage insurance premiums.These items are called"Escrow Items." : , -
<br /> •� . � � .'„f` Lender may, at any time, col(ect and hold Fands in an amount not w exceed the maximnm amount a lender for a fedezaUy ••s `.` _
<br /> ' ; related mortgage loan may reqaire for Bonower's escrow aoconnt under the federal Real Estaie Setilement Pracedures Act of � �
<br /> } .:� ' Ig/4 as amended from time to time, 12 U.S.C.Section 2601 et seq. ("RESPA"},unless another iaw that appfies to the Funds ,
<br /> ::'...:.�r,:��. '.;,;; sets a t�er amouat.If so. Lender may, at any time, callecc and hold Fands in an auiount not to exceed the lesser amount. � '`'. _ ��''"--
<br /> �; �---. -"-��-�`. f i.ender may estimate the amount of Funds due on the basis of carrent data and reasonable esamates of expenditures of futare :_
<br /> � Escrow Items or othernise in accoidance arith applicable law. �,� �. ' ----
<br /> • � ��...�. � � The Funds shall he held in an instimtion whose deposits are insured by a federal agency, instrumentality. or entity , ��z-.-_
<br /> � �, (including Lender,if Lender is such an institution)or in airy Federal Home Laaa Bank.Lender sha1F appiy the Funds to pay the ' �
<br /> "�'"`';" Escrow Items.Lender may not charge Borrower for holding and applying the Funds,annually analyzing the escrow acoount,or ' --�----
<br /> _ ' verifying the Fscrow Items.unless Lender pays Bonower intecest on the Funds and applicable taw pemuts Lerider to make such '� ?;_ '
<br />'i:�;�;:,: . • 'f, a chFUge. However.Leader may require Borrower to pay a one-time charge far an independent rea!estate taa reporting service _
<br /> - used by I.ender in connearon with this loan. unless applicable law pmvides otherwiss. Unless an agnement is made or
<br /> , _ ;.;';-.��r4 upplicable law requires interest to be paid,Lender shall not be required to pay Borinwer any interest ar earnings on the Funds. ` '
<br /> �.� • ��`�'<< Borrower aud Lender may apee in writing,however,that interest shall be paid on the Funds. Lender shal)give to Borrower. . T � .
<br /> �'` � � • „�;-� without charge. an annual accaunting of the Funds, showing credits and debits to the Funds and the purpose for which each -��-:�:".`=�-�.
<br /> -� '� ' ' debit to the Funds was made.'Fhe Funds are pledged as additional secority for all suu�s secured by t h l s S e c uriry Instrument. - ___ ���
<br /> ��"� � ���•� �� If the Funds held by Lender exceed the amounu permitted to be held by appHcable law,Lender shall accaunt to�orrower . --�
<br /> `� �'-'-_�`����: 't " for the eacess Funds in accordance with the requirements of appGcabte law. If the amount of the Funds held by l,ender at any ---
<br /> •,: time is not su�cient to puy the Escrow Items when due.Lender may so notify Boaower in writing.and.in such case Boaower ,,�;�;
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<br /> � � ,. ( shall pay to Lender the amount necessary to make up the deficiency. Borrower shall a►ake up the deficiency in no more than ' �• .�;, �'�,''_°'°_;
<br /> '•�:`� � � �; .� twelve monttily payments,at Lender's sole discrerion. :�` '�� • ,'"'�`'�^
<br /> :�`.`?'� '• . �Jpon payment in fuU of all sums secured by this Security Instrument. Lender shall pramptly refund to Borrower any �,;�,�_
<br /> � � � •-' ' Funds hetd by Lender.If,under paragraph 21,Lender shall acquire or sell the Property.Lender,prior to the acquisiuon or sale : �_
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<br /> . of the Property,shall apply any Funds held by Lender at the time of acquisition or sate as a credit against the sums setured by ,„„�_,_
<br />� . this Securiry Instrumeni. � �. , '�-
<br /> � 3.ApplicaUon of Payments.Unless applicable law provides otherwise,all payments received by I.ender under pazagraphs .. =,,:_
<br /> �� � • � t 1 and 2 shall be applied: first.to any prepayment c6arges due under the Note: second.to amounts pay�ble under paragraph 2; ,� °:��_
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<br />'4y:". third.to interest due:fonrth,to principal due:and last.to any late charges due nnder the Note. � ,. t-..
<br /> � . 4.Charges;Liens. Borrower shall pay all taxes.assessmenu,charges, fines and impositions attributable to the Property
<br /> � which may attain priority over this Security Instrument, and leasehold payments or ground renu. if any. Borrower shall pay .
<br /> �`. ' these obligations in the manner provided ie paragraph 2,or if not paid in that m�.-uter.Borrower shall pay chem on time directly �
<br /> �ti'; � eo the person owed payment. Borrower shafl promptly fumish to Lender ail notices of amounts to be paid under this paragraph. � � •
<br /> � . If Borrower makes these payments directly.Borrower shall promptly fumish to l.ender receipts evidencing the payments. ., :� . .
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<br /> Borrower sh�ll promptly discharge any lien which has prioriry over this Security instrument unless Borrower.(a)agree�in ' � :t'."��.��`.
<br /> � ' � � writing to the payment of the obligation secured by the lien in a manner acceptable to Lender:(b)wntests in good faith the lien .., • � ° �
<br /> � by, ar defends agsiinst enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the • • �
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<br /> .� � � enforcement of the lien:or(c)secures from the holder of the lien an agrcement satisfactory to Lender subordinating the lien to . .
<br /> �� this Security Instnunent. lf Lxnder determines that any pan of the Property is subject to a lien which may attain priority over : ., � ' .
<br /> � - . this Security Instrument. Lender may give Borrower a notice identifying the lien.Borrower sha11 satisfy the lien or take one or ' � •
<br /> _ . � more of the actions set forth above within 10 days of the giving of notice.
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