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<br /> TOGEiTHER WI"fH all the improvements�ww or here��ft�r erectcd on the propeny, m�d ull c�i���j�ttenances, i�nJ
<br /> tixtures ninv ar hereafter ,� part e�f the propeny. All replucements iind :�dditions sh:.dl ulso he cavered hy this Security
<br /> Instrumcnt. All of thc forcgi�ing is refcrrcd to iu this Sccurity Instrumcnt us thc"Prop:ny."
<br /> � BORROWER COVENANTS thut Borrowcr is luwfully sciscJ of thc estatc hcrcUy convcycd and has thc right to grnnt und
<br /> convcy the Propcny and thet tiu Property is unencumbered, except fnr encumbrances of record. Barrower �varrnnts nnd will
<br /> ,,,A dcfcnJ goncrally thc titic to ihc Pruperty against all claims and dcmands,subjcct to any cncumbr;�nres nf rea�rd. ,_
<br /> +�''"� TH[S SECURITY INSTRUMENT combineti wiifonn covenants tiu natio��al uscand non-unifarm covcnants�vith limitcd
<br /> � vnriations by jurisdictEon to constitutc a uniform sccurity instrumcnt covcring rcal property. -
<br /> .. � UNIFORM COVENANTS.B��rrowcr und l.c:ndcr covenunt and agrcc us follows: =
<br />�' ' • 1. Payment of Princlpal end Interesh Pe�epayttient and I.ate Charges. Borrnwcr shatl promptly pay whcn due thc __
<br /> principal of and interest on the debt evidenced by the Note and any prepayment und latecharges due underthe Note. _
<br /> 2. Etinds for Tnxcs and Insurunce. Subjcct to applicublc la�v or to a writteai waivcr by Lcnder. Aottm�•�r shall pny to -
<br /> . 7' Ir_ndcr on thc day monthly paymcnts are duc under tlic Note, until the Note is paid in(ull.a sum("Funds'1 for:(a)ycarly taxcs =
<br /> ' :�: and asscssmcnts which may attain priority over this Security Instrument as a lien on thc Property; (b)yeady leasehold payments =
<br /> . or ground rents nn[he Property,if any;(c)yearly hazard or property insurancc premiums; (d) ycarly flood insurance premiums, -
<br /> if Any; (e) yearly mortgage insurance premiums, if any; and (�any sums payable by Borrower to I.ender, in accordancc �vith =
<br />^; , the provisions of paragraph S, in lieu of the paynunt of mortgage insurance premiums.Th�se items are called'Escrow Items." -
<br /> - Lender may, at any time, collect and hold Funds in nn amount not to excetd the m�ximum amount a lender for a federally
<br /> . --°— related mortgage loan ma�require for�iorrower's escrow uccount under the fecierai keal Estute �euIerneni Fru�cxlurea inci ui =
<br /> �.. , 1974 as ameniled from time to time. 12 U.S.C. Section 2601 et seq. ("RBSPA"), unlcss anothcr law that applies to the Funds
<br /> � sets a Iesser x�riount. If so,I_ender may, at any time, collect and hold Funds in am amount not to excccd thc Qesser amaunt. _-
<br /> ' Lender may estimate thc amount of Funds due on[he basis of current Juta and reasonable estimates of cxpendi2ures of future -`_-'
<br /> ` �`�''� Escrow Items or otherwise in accordance�vith applicable law. �
<br /> . ,.; ` The Fwids shall be held in an institution whose deposits are insured by a fcdcral agenry, instrumentality, or entity G
<br />_, (including I.ender,if C.ender is such an institution)or in any Fedcr�l Home Loan Rank.Lender shall npply the Funds to pay die =
<br /> - Escrow items. C.ender may not charge Sonower for holding and applying the Funds,annually anulyzin�the escrow uctount,or �;;
<br /> - , verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicuble luw permits Lender to make such =
<br /> a charge. However, Lender muy require Borrower to pay u one-time charge for an i ndcpendent real estate tax reporting servisx =
<br /> �"'�� � used by Lender in connection with this loan, unless applicable luw pravides othcrwise. Unless an agreement is made or
<br />��:• .:r�;..i appiieable law requires interest to ue paia,Lender snaii not oe n:yuircYi w pay Burruwcr nuy iI1lCICJI Vl caiiii�ig, vi�t ie Fu��B�.
<br /> -"°w- ' Banower and [..t:nder may agree in writing, however,that interest shall be paid on the Funds. Lender shall give to Borrower,
<br />-=�.N`3�"'•� without charge, an annunl accounting of the Funds, showing credits and debits to the Funds und the purpase for which each
<br />='��'r�,;..� debit to the Funds was made.The Funds are pledged us additional security for all sums secured by this Sewrity Instrument.
<br />�;;.r�•,�,. If the Funds held by Lender exceed the amounts permitted to be held by applicable luw, Lender shall ac�ount to Borrower
<br /> -' -_��' for the excess Funds in accordance with the requirements of applicable law. If the amau�it of the Funds held by Lender at any
<br /> _�a�'� time is not sufficient to pay the Escrow Items when due, Lender may so notify Borro�ver i n writing,and.in such case Borrower
<br />--_�t.--� shall pay to l.ender the amount necessary to make up the deficiency. Horrower shall make up the deficiency in no rnore thon
<br /> ' �``'��'`�� twelve monthly payments, at Lender's sole discrction.
<br />_-� ��"� Upon payment in full of all sums secured by this Security (nstrument, Lender shall prompdy refund�o Borrower any
<br />--==f.:�:J�• Funds held by Lender. If, under paragraph 21, L.ender shaU acquire or sell the Propeny,Lender,prior to the acquisition or slte
<br /> -� of the Propeny, shall apply any Funds held by Lender at the time of acquisition or sale as a crcdit aguinst the sums secured by
<br /> - --- this Security Instrument.
<br /> --�� 3.Applieation of Payments.Unless applicable law provides otherwise,all payments received by I.ender under paragraphs
<br /> -' _ 1 and 2 shall be npplied: first. to uny prepayment churges due under the Note; second,to amounts payable undor pnragraph 2;
<br /> _=-_- third, to interese due: fuurth,to principal due:and last,to any late charges due under the Note.
<br /> =�='=�. 4.Churges;Ljens. Borrower shall pay all ta�ces,assessments, charges,fines and irnpositions attributable ta the Property
<br />=-=___— which may attain priority ove�this Security Instrument, and Icasehald payments or ground rents, if any. Borrower shull pay =•
<br />-°' .__= these obligations in the manner ptovided in paragraph Z,or if not paid in that manner,Borrower shall pay them on time directly
<br /> ---- to the person owed payment.Borrower shull promptly furnish to Lender all notices of amounts to be paid under this pAragraph.
<br /> ----._—_�� If Borrower makes these paym�nts directly,Banawer shall promptly fumish to Lender receipts evidencing the payments.
<br />_--- __ _ �3orcowcr shall promptly discharge any lien which has priority over this 5ecurity Instcument unless Borra+ver:(a)agrees in
<br /> _-__�� wating to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the lien
<br /> ��''° by, or defends against enforcement of rhe lien :n, legal proceedings which in the Lender's opinion operate to pr�vent the
<br /> 3i7li}'�' y .
<br />�=r'��� enforcement of the lien;or(c) secums from the holder af the lien an agreement satisfactery to Lender subordinating the lien to
<br /> � .'�i ' this Security Instrument. If Lender determines that any part of the Property is subjeci to a lien wt�ich rnay attain priority over
<br />�''��f•�'• '�:�� this Security Instrumcnt, L.ender may givc Bono�vcr a notice identifying the lien. Borro�ver shall satisfy the lien or take onc or
<br />='''a^ � `�' more of the actians sct forth above within 10 days of the�iving of nqtice.
<br /> �.::. .
<br /> - �, Form 3028 8I�J0
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