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<br /> TOGBTHER WITFI ull thc improvcmcnts now an c�rcuftcr crectcd an tho praperly,and all c,uscmcnta,uppurtcnaaces,und
<br /> ���":.' � fixtures now on c�rcaftcr n pan of thc proputy.Ail rcplaccmcnts and addidons shall nlso bc covGrcd by thls Socurity Instrumcnt.
<br /> _,. ,. .,, AU af thc foregoing L rct'crn:d to in thls Sccurity Inswmcnt as thc"Properry:'
<br />_';;;,p. BORROWBR COVF_NANTS that Sortowcr is lawfuAy sciscd of the estatc hercby comeyr.d end has tho dght to gcant and
<br /> .:_�� convey the Property and �hat thc Property is uncncumbeccd,except for encumbeunccs of rccord. Borrowcr warrant� nnd wiA
<br /> defend generally th�dUe to the Property ageinst ell claims end demands,subJect to wiy encumbrnnces of rocord.
<br /> �``�'� THIS SECURITY INSTRUIuIDNT combincs unUonn Govcnants for nudonal uso end noa-uniform cavcnent�with limitcd
<br /> variadons by jurisdlcdon to consdtute a unUorrr�sccurity instrumcnt covcring real property.
<br /> '�'�� ' ' UNIF�ORM COVENANTS.Borrowcr und I.cndc�covcnant and agccc as€oUows: -
<br />�,q�'��..,��` 1,Ps�yment of Princi�pal Aad Interest�PrepAyment ond Lutc Charges. Borrower shall promptly pay when dua the
<br />_�'�"'•4'�' principal of anll iscc.-r�st on thc dcbt cvidcnad by tho Notc and eny prepayment and late chargas duc undcr the Note.
<br /> ,� 2.�Qn�t»for'if�rc�es and Iasurance. Subject W appUcablo law or to a written waiver by I.c;nder, Bonower shall pay to
<br />_„j�� L.endcr on�iZe d�jr n��cr.::;;1y puymcnts ere due under the Note,until the Note is paid in fuA,a sum("Funds")for:(a)yesuly wxes
<br /> �,�� and a.�,sessmertls w(t�ch s:;�y�priority over Ihis Security Instrument as a lien on the Property;@)yearly leasehold payments
<br />_�'�•� or ground rents oR cl�e ftr�perty,�any�(c)Yearly ha�ard or pmpcctp insurance premiums:(d)Ycarly flood Insurance prexniums�if
<br />-����,� an • u earl mort y (fl any sums payuble by l3orrowcr to Lcndcr.in accocdance with the
<br />,Y��-,,,�, Y. () Y Y S�e ins•:�,�e premiums, if an �and
<br />__ • � F,rpvislons of parngruph 8, ic� 1'ieu of tfie payment of mortgaga insurance premiucns. 'Iheso items are c;alled "Escrow Items."
<br />°.��;�r?+�`� 'i I„endcr may,at any timc,cm�fe^�and hold F1���1s in an nrnounz not to cxceed ihe muximum mmount a lender for a fedcral�y related
<br />. ;r ` mortgngo Iosut muy r�u�re 5�r 8arrower's escrow accpunt undu the federal Real Fstate Settlement Pracediues Act of 1974 su
<br /> �'��•�� ' amended frorrr.urnc to tdme,]2'U.S.C.Secuo�a 2601 et seq. ("RESPA"),unless anothcr la�v that applics to the Funds scts u le,csu
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<br />-==_ amounG If so,I.ender mc.-r,�[nny time,co1l�;ct und hold Funds in an amount not w exceed the lesser amoun� Lender may
<br /> __��" e9pimate dte anlount of Fen�.s due on thc basis of currcnt dAtn and reasonable estlmates of cxpcnditure.s of future Escrow Items or
<br /> ec�e�wise fn acoordance with applicubl�law,
<br /> __� The Funds shall be hold in an insptution wtase deposits are insured by a federal agency.instrumentallty,or endty(incJuding
<br /> __ Lender,if Lu�drr is such an insdtudon) a in any Fedcral Homa Loan Bank. Lendcr shall apply the Funcls to pay the Escrow
<br /> Items.Lendu may not charge Borrower fon c��lding and applying the Funds,ennually analyzing the escrow account,or vuifying
<br /> 'u`�e ca;ia��Ii�u7�5�iu�lcss Lc+iuci pnyn Sviiuwri uitcic"si Ui�uic Fuucia wiu appliatole Iaw pertniis Iicrtau w meite spch 8 C�targe.
<br /> liowever�Lender may require Horrowu to pay s one-timc chargc for en indepcndcnt rcal cstate tax rt�rdng ecrvke wW by
<br /> L.cnda in connxdon with�his loan,un.lest appifcabb law providcs otherwlsc.Unlcss en ugrxrnuit is medc or eppllcabb law
<br /> roquira inta�cst Uo b�paid,L,erdcr shall not bo roquircd to pny Borcawer any lnurest or earnuiga on thc Fund�.Harower and
<br /> � i.eixla may agroc in writing�howeva,thu b�tenst shell6o paid on the Funds.I.ender shall give to Borrower,wilhout charge,e��
<br /> stnnwl�ccoundng of tho Funds,ahowing crodit�ond debita to the Funds and the purposa for which each deblt to tha Funds wa�
<br /> ; mado.7t�e Fund�ue pkdgod av addidonal axurity fa all sums sxund by this Sccuriry Instrumen�
<br /> If Ux�Funde hcki by Lenda caccad the anewnts permitted to be held by appliwble law,Lendu shall account to Barowa for
<br /> ; Ute excess Funda in accordance with the requiremenis of applicubk law.If the amount of the Funds held by Lender at any tima is
<br /> � not sufflcient to pay the Escrow Items when due,i.ender may so notify Borrowu in writing,and.in such cex Borcower shall pay
<br /> to L.aider the amount nccessacy w malcc up the deC�ciency. Borrowu stiall melcc up the de�cicncy in ��o more than twelvc
<br /> � monthlY I�Ymet���at Lendcr's sok disc�+etion.
<br /> •' Upon paytnent in full of all sums sccured by this Security Instrumcnt,Lender shall promptly nfund to Borrowcr any Funds
<br /> held by I.axkx.U.under paragraph 21� Lender shs�U acquire or sell th�Pruperty,Lender,prior W the acquisidon or sale of the
<br /> , Propaty, shall apply any Funds held by Lenda at�ha dme of acquisitic,n or snle ag a credit again�t the sums socured by this
<br /> Security InswmenG
<br /> 3.AppltcAtion ot Poymenb. Unless applicable law provides otherwise,all payments received by Lendu under paragrnphs
<br /> 1 uid 2 shall bc appllcd: Cust,to any prcpayrncnt chargcs due andcr the Note;second. m amounts payable undcr paragraph 2;
<br /> thicd,to intcresi due;faurth,to principal duc;and last,to any➢ate chargcs due under thc Note.
<br /> 4.C6Ar�ss;L4cna. Socrower shall p�y all taues, assessments. char�es, flnes nnd imposidona aaributable to tht P,roperty
<br /> ' which may euain prloriry over thls Securiry InsuumenG.s�nd Icasehold payments or ground rents.if any.Bocrower shall pay these
<br /> � oblige�ons in tho manncr providcd in paragrF►ph 2. or if not pa�d in that manr,er,Borrower shall pay them on time dirxdy to thc
<br /> � person owal payment Borrower shatl prompdy furnish to L.cnder all nodcr,s of amounts w be paid undcr thi�paragraph.If
<br /> ' Bomower rt�eices these payments direcUy,Bomowu shall promptly furnish to Lendu receipts evidencing the paymenu.
<br /> Bomower st�all pmmpdy dLcchargc any Hen which hav prioriry over this Sccurity Instnimcnt unlcss Barrowcr. (a) agr�ees in
<br /> ._�._-_ wridng to the payment of thc obGgation socurc�d by the llen in a manner acceptable w I.cndu;(b)contests in good faith the lien
<br /> ___ by, a defcnds egainst cnfo�cment of tha licn in,�gel procc�odfngs which in tho Lenrbr's apinion operate to p�event tho
<br /> = enfom.ement of the lien;or(r,)sxwtis from tha holder of the lien an egroement satisfaciay w Lender subordinadng the licn to
<br /> — this Saurity InswmcnG Tf Lender dctcrmines dwt any part of 1ha Property is subjcct to a llen which may auain prioriry over this
<br /> — _ . Security Instrument,Lcndcr may give l3orrowcr�noticc idendfying the licn.Borcowa shaU satisfy tho licn or taka onc or morc
<br />�°'�' � of fho xtions sct forth above within 10 days of tha giving of noUcc.
<br /> -- Form 302� O/OD
<br /> �"=� �•6R(NE)(02tz).ot P•p•�ol e InItIN�:
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