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<br /> T�(Hik's'fHlilt WI'fll nll thc impro��cments naw or hereafter eret:tul on the pr���rty,und idl c97cn►�,nppurtenunces,und
<br /> lixturcy na�v on c�ro�dtcr a purt nf' thc projx;rty. All rcpluccntcnts ►mct additiuns shnll :dso bc ccrvcrcd by this 5ccurity
<br /> lns�rument. All of�thc(or�going is referreA to in this Sr,curity iiihtrwnent uti tlu"Propcny." . �-
<br /> QORRQW�R COVNNANTS�tud Bnrrowor is luwfully sciscd uf thc estute hcrcby convcyc,�1 und hus titc right tu grant and
<br /> convey the Pro{x:rty und thut the Property ih unencumtx�reci, exeept for eneumhranees of recard. sormwer wurrunts und will
<br /> defen� genorally the title t��the Pruperty agninst nll di�ims und demnnds,suhject to any encumbrances uf record.
<br /> TNlS SECURITY INS'I'RUMENT combines unif��rm covemints for nntional use and non-unifonn covenants with limited
<br /> variations by juriuliction to constitute a uniform nccu�iry instrumcnt cavcring rcul praperty.
<br /> UNI�ORM COVENANTS.8orrowcr nnd l.cndcr covcnant und s+grce as follows:
<br /> l.!*ayment of I'rincip►wl and Intemst; Prepayment and l.ate (:harges. Borrowcr shall promptly pay whcn due thc
<br /> principal of nnd interest on the debt evidenced hy the Notc and uny prepuymcnt und latc charge5 due under the Note.
<br /> 2.Fundv Por Taxes s►nd Insurance. Subject to applicable law or ta :�written waiver Uy C,end�r, Horrower shall pay to
<br /> L,ender on the day monthly payments a�e duc under the Notc, until the Notc is paid in full,a sum("Funds")for:(u)yearly taucs
<br /> and assessments which may attain priority over this Security Instrument as a lien on the Property;(b)yearly leaschold payments
<br /> a�r greund Rents nn thc Property,if any:(c)yearly haz.a�d or property insurance premiumr;(d)yenrly flood insu�ance premiums, —
<br /> if any;(e) yearly mortgage insurance pn:m�ums, if any; and (�any sums payablc by Burrower to Lender. in accordattcc tivith
<br /> the provisions of paragraph 8, io lieu of the payment of mortgage insurance premiums.These items are called "Escrow Items."
<br /> Lender may, at any time, collect and hold Nunds in an amouut�iot ro�xc�ed thc maximum amnunt 2 lender for a federally
<br /> seloted mortgage loan troay sequire for Bonower's escrow account under the fecle��al Real �stuce Settleru�En4 Frocedures Act of
<br /> 1�174 as u�rntnded from time co titne, 13 U.S.C. Section 2601 et seq. ("RESPA"l,unless another law thr.t nFplies to Ihe Funds
<br /> :�e1a a les��c.r flmaunt. If so, I.ender ms�y, at any time, collect and hold Funds in an amoi�a�t nnt tn exceec� 1he l�ser t�moont,
<br /> I.,ender riaay estimate the amount of Firnda due on the basis of cunent data und reasonable estimates of expendituTOS c�f'in¢�n
<br /> Escrow ltcn�s or otherwise in accorda�ice with applicable law.
<br /> 7he Funds shall be hcld in an institution whase deposiu acr insured by a federai agency, ins¢e��rnentality, or entity
<br /> (includin�,•4.ender,if Lender is such an institution)or in any Feder�l Home Lo:u�8ank.Leaclec Ahall ap}�13'ah�Funds to pav the
<br /> F�crnw 3a�;nc_l.ender maY not cha��e I3arrower for holding and a�plying the Funds,annua�:Qy�natyzing the esetow acoc�itnt.�or
<br /> ' verifjriq�>lhe�Eacrow Itcros, unless 1L;cnder pays Bonowcr incerest c��n the Nuntis and appii�ia.i�;u�j,e�is Lti%.t'ti:a^::°��'^=�' -
<br /> � a charge. ,Ni�wever� l.en�.1�r nuny�e�uire Borrower to pay a one-tii7�e�h�r��€c'�s's�inGepe�+c��n�teal estate tax reporti�:+�r�+act
<br /> used by Lender in ca��acx:aWn ���4h'this loan, v.cc�::u applicable Inw provi:�rc c�:herwisa. Unless au a,Breement is made or
<br /> applirable law requires interest to U:pnicl,Len�er ti'�all not be required to pay Borrower uny interest or eamings on d�e Fund9.
<br /> � Borrower and Lender muy agrea in wa�ting, ho�vever, thut interest shall be paid on the Funds.Lender shall give to Borrower,
<br /> withaut charge. an annual accounting of the Funds, showing craiits nnd debits to rhe FuridF nnd the purpose far whtch each
<br /> dobit to the Funds was made.The Funds are pledgod as additional secuxity for nll sums socured by this Security Instrument.
<br /> If the Funds held by Lender exceed the umounts pennitted to be held by applicable law. Lender shall account to Bamower
<br /> for the excecr• Funds in accordance with the �equirements of applicable law. If the amonnt of the Funds held by Lender at any
<br /> eime is not suff►cient to pay the F,scrow Items when duc,l.ender muy so notify Borrower in writing,and,in such case Borrower
<br /> sh�ll pay to L.ender the amount necessary to muke up the deficiency. Borrower shall make up the dtficiency in no more than
<br /> - twelve mnnthly paymenu.at L.ender's sc�le discrttion.
<br /> Upon payment in full of all sums secured by this Security Instrument, Lcnder shall promptiy refund to Borrower any
<br /> Funcls held by Letxier. If.under paragrnpf�21,Lendcr shall acquire or sell►he Proporty,L.ender,prior to the acquisition or s�lc
<br /> of the Property,shall apply any Funds held by L.ender at the time of acquisition or sale as a crodit egainst the sums secuced bY
<br /> this Securit�Instrument.
<br /> 3.Application of Payments. Unless applicable taw provides otherwise,all payments reccivod by Lender under paragraphs
<br /> 1 ami 2 shall bc applied: first, to any prep�yment charges due under the Notc; second,to anxwnts payablc undcr parngrnph?;
<br /> third,to interest duc;fourth,to principal duc;and last,to any late charges duc under the Note.
<br /> /, Charges; Lkns. Borr�wer shall pay all taxes. assessmen�s,charges, fines and impositions attributable to the Property
<br /> which muy attain priority over this Security Instrument,ur�d lea.vehold paycnents or ground rents, if any. Borrower shall pay
<br /> these obligations in the manner proviAed in paragraph 2,or if not paid in that manner,�rrower shall pay them an time direccly
<br /> to ttx p�rson owal payment. Burrower shall promptly fumish to Lcnder all notices of amounts to be paid under this patagraph.
<br /> � If Borrvwer makcs tluse payments directly, Rorrower shall promptly furnish to Lender rcceipts evidencing the payments.
<br /> &rr.rower shnll promptly discharge a��y lien wtiich has priority over this Security instrunxnt unless Borrower:(a)agrees in
<br /> writing 1�ti the payment of the oblFgaeion secured by the licn in A manner u�ceptable to Lencler;(b)mntests in good faith the tien
<br /> by. or defends ugainst euforcement of the lien in, lcgal proco�dings wtiich in the Lender's opinion operate to prevent the
<br /> � enforcement of the lien;or(c)wcures from the hotder of the lien an agreenicnt satisfactory to I.ender subordinating the lien to
<br /> this Security Instrumcnt. If Lender determines thnt any part of thc Property is subject to a lien which may auain priority aver
<br /> . this Securiry Instrun�ent, Lender may givc Bomowcr a noticc identifying the licn. Bonowcr shall sntisfy the lien or take om or
<br /> moreof the actions set farth abave within l0 days of the giving of nctice.
<br /> � Form 3028 9190
<br /> Pp�t ot 8
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