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<br /> TOCl�THfiR WITH all thc improvamcnt� now or hercattcr croctcd an thc propc►ty,and all c�.scmcnts,pp�u nanccs,and
<br /> � tixturoe now on c�rcaftc;a purt of�ha propaty. All rcpluccmcnts and addltions shull nlso lxs covcrcd by this Sccurity Inswmcn�
<br /> AU of tho forcgoing I�rcfcrred ta in this Security lnsuumcnt av thc"Property:'
<br /> IlORR01,'1ER COVfNANT�thr.i Horto�vcr is lawfupy sclsed of Ihe e,stnte hcreby convcyed nnd hn9�he right ro grimt end ,
<br /> convcy tho Property and ihat thc Pro�erty is unencumbaed� exccpt for encumbranccs of raord,Dortowcr werrnnts and will
<br /> defend generrilly tho tltlo w tho Property Ageinst all claims and demanda,subJect w ony encumtxances of rocord.
<br /> THIS SECUtt17'Y IN5TRUMFNT combincs unitorm coventu�ts fqr national use cu�d non-uniform covenant� with Wnited
<br /> varladons by Jurisdicdnn w wnsdtute a uniform socudry insuument cavedng real property.
<br /> UNIFORM COVENANTS.Borrowcr end Lcadcr covenant and agra av follows:
<br /> I.Payweat o!Princlpal and Interesti Prepeyme�t And l.wte Chnrgc,w. Aorrowcr sholl prompUy puy when duc thc
<br /> principal of and Inurest on tho debt ovidencod by tha Noto and ony prepayment and latc chargcs duo undcr tha Noto.
<br /> 2.Funds for Tiuces�nd Iasur�nee. Subject to opplicablo law or to a wriuen waiver by Lender, Borrowrr stuill pay to
<br /> Lendcr on tho day monihly payments are due under thn Nota.until the Notc is pnid in full,a aurn("Funds")for.(n)yuuly tiuccs
<br /> and assessmente which may auain priarlty ovu thie Securiry Instrument a9 a 11en on thc Prop�ty;(b) ycarly leasehold Faymcnts
<br /> or ground rents on the Property,if eny;(c)yearly haxard or propecty insuranca premiums;(d)yesrly tlood insurance prtmiums.if
<br /> any;(c) yearly mortgage insuranco premiams,if any;and(fj eny sums pxyable by Borrower to Undu,ln accnrdance wlth tha
<br /> provisions af paragraph 8, in liw of U►e payinenl ot►i�atgage insurance premtums. 11►ese iteans aro called "Iiscrow Items."
<br /> I.cnder may.at any tima collcct and hold Funds in an amount not to wccood tha maximurt►emount a lu�dcr for a federplly rclated
<br /> mortgage loan may require fa Barower's escmw account undu the fedual Real Estau SeWement Procedures Act of 1974 as
<br /> amendod from tune w time. 12 U.S.C.Secrion 2G91 et seq. ("RESPA").unless enother law tt�at a�ppGes to the Funds seta a lesser
<br /> amoun� If so,Leader may,ac any time. coilecc and hold Funds in an emount not to excad the lesser amounG Lendu may
<br /> esWnate the emount of Funds due on thc basis of curnat claata ru�d m,asonable esdmatc.c of e��xndiwres of future Escrow Items or
<br /> o�hec�rise in accordance with applicabk law.
<br /> 'Ihe Fands alzall be held in en insdtution whose deposit�ere insurod by a federal agency,inst=umentaliry,or enflty(including
<br /> i,emder� if Lender is such an insdtudon)or in eny Fedcrel Home l.osn BaNc.Lendcr shall eppiy the Funds to pay the Pscrow
<br /> Itams.Lendu may not thargo Barowu for t�lding and apply�ng the Funds.ann�ally analyzing tl�e escmw account,or vuifying
<br /> the Escrow Items. unlecc L.cnder pays Borrower intcrest on tho Funds end e�plicable law permits Lender to mafce such a charge.
<br /> Howev�r.Leadcr ,��ij: ;�::Lo�orru�cr ta�y a anvsi.:�sl�.:sge far:us tn�dtnt z�es! �s-ar. rr.gors3n��,s�s�e s:��!�y -
<br /> i,ender in connection with this loen,unless applicabk Iaw provides otherwise.Unkss an eg�oernent is mado or appllcubk Iaw
<br /> roquins interest to be ptid.Lendv shall not be required to pay Borrowu any i�uuest or eamings on the Funds.Horrawer and
<br /> I,eixfer may egcoe in wriring,howava,that interest shall bc paid on tho Funds.Lenda shAll gire w Bomowu.without charge,an
<br /> ann�!accoundng af tl�a Funds.showing credits and de3its to the Funds nnd the p�upose for which each dcbit to the Funds was
<br /> mada'�rie Funds an plcdged as additaonal security far all sums secured by this Securiry Insnvment
<br /> If the Funds held by Lender eacecd the amounts pacmttted to i�e held by appGcabk law,Ler.det shaU account to Barowu for
<br /> ihe excess Funds is aecadance with t1u rcQuirements of e{►plicable law.If the amount of tha ILnds held by Lendor at any tlme is
<br /> not suft"xient W pay tiae Escrow Items whed due,Lender may so notify Borrowu in writing,and, in such case Bocrower shall pay
<br /> to Lenefu the�nount�ry w moke up the deficiency. Borrower shall malce up tho def'iciency in no more than twelve
<br /> monthly payments,at Lender's sole discretion.
<br /> Upon payment in full of all swns securod by this Seciuity Insu�ument,L�enda shall promptly refund to IIarower aay Fbnds
<br /> hcld by T.enda.If,anda paragraph 21,Lendu shall acquire or sell the Property,Lender,pdor w 1he acquisl6on a sele of the
<br /> propercy,shall appiy any Funds tield by Lender at the time of acqulsidon or sale as a credit ageinst the sums socured by Ihis
<br /> Secusity Instrument,
<br /> ].Applic�tbn ot P�yrnents. Unkss appllcable law provides otherwise.all payments receivod by Lenda under paTag�aphs
<br /> 1 ancy 2 shall Ixi applie4:first, W any prcpatyment charges due undcr the Notc;second.w �unounts payablo under par�graph 2;
<br /> third,w lnteirst due;faunh.to principal due;and last,w any late charges due unda tho Note.
<br /> 4.Cborga;Lkns. Sarowcr shall pay tillt taxcs. assessmenis.cf►arges. fines and impositions ami6utable to the Pcoperty
<br /> which ms�y attair► prionty ova this Security Instrument,and leasehald payments or ground rents. if eny.Borrowu shall pay theso
<br /> obligations in�he manna provided in paragraph 2,or if not ptud in that manner,Bocrower shall pay them on dme ddrectiy to the
<br /> person owed peymen�Boirowu shall prompdy furnish w Lender all notices of emounts w be paid undec this puragraph. If
<br /> gorrowrer makes these peymu,.�dirocdy.Bormwer shail promptly furnish w Lendcr rcc�ipts cvldencing the payments.
<br /> Borrower shall prompdy dischargc any licn which hag pdority over this Socuriry Instnueent unless Borrowu: (a)egrees in
<br /> wri�ng W the p�yment of the obllgation secured by the liai in a manner ecceptable to L.enda,(b)conusts In good faith the lkn
<br /> , by.or defends against cnforcement of the lien in,legal procxdings which in tfio Lenda's opinion opeiate to provent the
<br /> enfacernec►c of the Uen;or(c) secures trom the holder of the lien an agroement ss�dsfs�ctory w Lender subordinaWg the lien to
<br /> � this Sec�uity Instrument If Lender determines that any pare of tho Property is subject to a lien which may attain pciority over this
<br /> Scxiuity Instrumcn4 L.ender mF►y give Borrower a nodce identifying the licn.Bomower shall satisty Ihe lien or take one or more
<br /> of ttte acdons sct fanh above within 10 days of the giving of notico. -
<br /> � Form 30�0 9190
<br /> �•6R(NE)IfZt2).01 P�p�2 ot• IniG�l�:
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