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<br /> T(H3GTHER WITH nll thc improvements naw nr hereufter erccted on thc praperty,imd nU ra,cmm�t�. ;ippnrtcnunres, und
<br /> `ixtures n�w ��n c�reaf'tcr u pan i�i tlu pro�x�ty. All rcpincemenis nnd ndditi�mti tih�dl iil,u Ix c�,vcrc�l by ihi, ticcuriry
<br /> Insirumcnt. All��f thc foreguing ic rcfcrred tu in Ihis Sccurity lostruntent ns ihc"I'ro�nrty."
<br /> BORROWER COVGNANTS that Hnrrowcr f�: Inwfuliy�scised uf ihc csttuc hcrchy conveycd und I?a+�'�r right t��gnmt smd
<br /> convey the Pmpeny und Aiut Uie Proper�y is unencumbered. exccpt for cncumbr.mcrs uf irruuL [3ui���wc� wu�i�aints aiKl wlll
<br /> dcfc�xl gcncrally thc tiNc to thc Nroperty uguinst nll clnims nnd demands,subJcct ta uny cncu�nhnmccs��f rccanl.
<br /> TH15 SECURITY INSTRUMP.N"f combines unifonn covenants f��r nation;►I u�c ;�nd non•unifarm rc�vcn�ints with limitui
<br /> vuriutinns by jurisdic�ion w cnn�titutc a unifonn�ccurity instrument r�vcring rcal prc�Fxny.
<br /> UN1F0[tM COV�NA NTS. Bnrrowcr and Lendcr covcuant uixl ugrx us fiilluws:
<br /> 1. PAyment nf Nrincipwl and Interesh, Prepayment und I.Ate CIwrR�.w. &�rmwcr sl�all promptly pay wlicn duc thc
<br /> principal of uncl interest on ehe debt evid�nced by the Nate und uny prepay�ment und IuYe chargcs Juc under the Nate.
<br /> 2. �nds for TAxes and InsurAnce.Subject to applicable luw or to a written wuiver by [.cnder. &�rrawer shull pay ta
<br /> Lcndcr on the day monthly payments urc duc undcr the Note. until the Notc i;paiil in full,a swn("Funds")foj•:(u)yearly taxes
<br /> and assessn�nts which may attain priority over this Sccuriry Instrument as a lien on the Propeny; (b)yearly le:�sehold pa;+ments
<br /> or grounci rents on the Propeny, if any; (c)yearly hazard or property insurance premiums;(d)ycarly fl�wd insurance prcmiums.
<br /> if any; (e) yearly mortgage insurance premiums, if any; und (� uny sums payable by &irrower to L.ender, in accordunce with
<br /> the prov3sions of parngi;�ph R,in licu of the payment af mortgage insurance premiums.These items ure called"Escrow Items."
<br /> Lc �ie� rrwy, : any time, collect and hold Funds in un umount not to exceed the maximum amount a lender for� federally
<br /> relatcd mortgage luan may require for Borrower's escraw account undcr the federal Rca,l Estate Setdement Procedu�s hct of
<br /> 1974 as amendal from time to time, l2 U.S.C. Section 2b01 et seq. ("RESPA"), unless another Inw that applies to the Fui�ds
<br /> sets a Iesser amount. If so, L,ender may.at any time, collect and hold Funds in a�i amount not to exceeci the lesser amount.
<br /> Lender may estimate the amount af Funds due on the basis of current duta and reason�ble estimatcs of expenditures of futurc
<br /> Escrow Items or otherwise in acc.ordance with epplicable taw.
<br /> The Fwids shall be hcld in an institution v��hose deposits nre insured by a fcderal agency, instrume�tality, or entity
<br /> (including I.cnder, iF Lender is such an institettian)or in any Federal Home L�An Bank.Lender shall apply the�unds to pay the
<br /> Escrow Items. [.ender n�ay not c7�arge Bonawer fnr holding and applying the Funds,annually onalyzing the escrow acwunt,or
<br /> verifying the Escrow Items, unless L.ender pays Borrower tnterest on the Fi�nJs and applicable law permits L.ender to make such
<br /> a charee. However. Lender mav rWuire Borrower to pzy a one-time charge for un independent rcal estate tax reponing scrvica
<br /> usai by Lender in conntction with this loan, unless appticable luw provides otherwise. Unless an egrament is m�Je or
<br /> applicable law requires interest to be paid,L.ender shall not bc required to pay Bonower nny interest or carnings rn�the Fui�ds.
<br /> Borrower and Lenc�er may agree in writing, however, that intcrest shall be patd on the Funds. L.cndcr shalt give to Borrower,
<br /> without charge, en annual accounting of the Funds.showing credits and debits to the Funds nnd the purpose for which esch
<br /> dcbit to the Funds was made.The Funds are pledged as additional security for all sums secured by diis Socurity Instrument.
<br /> If the Funds held by L.ender exceed the amounts permitted to be hetd by applicable law, Le�xler shall account to Borrower
<br /> for the excess Funds in accardance with the requiremenu of applicable law. If the a�nount of the Funds hcld by Lender at Any
<br /> time is not su�cient to pay 4he Escrow Itcros whcn duc,Lcnder may so notify Borrower in writing,nnd,in such case Horrower
<br /> shall pay to Lender the zmount necessary to make up the deficiency. Borrower shall make up the deficiency in no more tlw�
<br /> tw�lve nwnthly payments,at Lcnder's sole discretion.
<br /> Upon payment in full of all sums securcd by this Security Instrument, Lender shall promptly refund tu Borrower any
<br /> Fu►xis held by I.ender. If,under paragraph 21,L.erjder shall acquire or sell the Property,Lender,prlor to the acquisition or sde
<br /> of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as u credit against the sums se�cured by
<br /> this Security Instnm�ent.
<br /> 3.App1➢cation o�Payments.Unless applicable law provides otherwise,all payaxnts received by Lender wx�sr puragcuphs
<br /> 1 and 2 shall bc applied:Crst, 2u any prepayment charges due under the Notc;second,to amounts payable under paragrnph 2;
<br /> thircl.tn interest due:founh,to principal due;m�d last,ta any late charges due under ihe Note.
<br /> q. ChArges; Llens.Bonower sl�all pay all taxes, assessments, cl�arges, fines and impositions attributablc to the Ptoperty
<br /> which may attain priority over this Security Tnstrument, and Ieasehold payments or ground rents, if any. Bonower shall pay
<br /> these obligations in the manmr provided in paragraph 2.or if not paid in that manner. Bonower shull pay them on timo directly
<br /> to she persan owed paymcnt.Borrower sliull promptly furnish to Lendcr all notices of amounts to bc paid tinder this pa��graph.
<br /> If Aorrowcr makes these payn�ents directly,�arrower shall promptly furnish to[.ender receipts evidencing the payments.
<br /> Borcower shall promptly dischurge any lien which has pdority over this Sccurity Instrument unless Borrower:(a)agrees in
<br /> writing to tha payment of tiie obligation secured by the lien in a manner acceptable to I.ender;(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal procecdings which in thc Lcnder's opinion operate to prevcnt the
<br /> enforcement of the lien;or (c)secures from the holder of the lien an agreement satisfuctory to Lcnder subordinating thc lien to
<br /> this Security Instrument.If Lender detennincs that any part of the Propeny is subject to a lien which may attain prioriry over
<br /> this Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or
<br /> more of the actions sct forth above within 10 days of the giving of notice.
<br /> Form 3028 9190
<br /> Psq�2 of 8
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