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<br /> T(XiE"CNE?It WI'fH ull �he impruvimeutti iww or hereafter erectal un the pro�rly, unJ uU caumrnts. uppurtcnances. and
<br /> fi.rtur�+ iiuw un c�mal'tcr u part of �he purperry. AU rcplucentenis uixl �Klditinns tihull ulsn he covcnd b,y� this Scc.urity
<br /> Instrienv:nt.All�,f�hr G�rcg��ing is Rfcrrnl tn in thiti ti�curity InY�ru��knt ur Ihc "F'roExny.,'
<br /> HqItRpWER COVFsNANTS Ihut fi��rrowcr is I��a�fully uisMl�if thc estutc hcreby cunveycd und has�hc right to grant aixt
<br /> runvcy thc Propcny and thut Ihc Pru�xrty is uucncumhcrcai, rx�cpt for cncumbrunrcn al'rra�rd. Burrowcr warruuts u►xi wlll
<br /> dcfetici gcncrally thc dtic to thc Nroperty ugaiitst idl cluim,und dcmuixis, suh�cct w u�ry cncimil►ruur�+u('r�tiurd.
<br /> THIS SEiCURITY INSTRUMEsNT rumbiney unit'arm a►vennnts for naii�mul use und nou-uniforn�cove�u�nts with limitttl
<br /> vurlutions by jurisdiction ta canstiuitc a unifurni sccurity instru�ixnc covering rcal pruperoy.
<br /> UNIFORM COV6NANTS. F3�rrowcr and l.e��dcr covenant uizd agrcc u�fallows:
<br /> 1.Py�ment o[Princlpwl �nd Interea�t: PrepAY�nt wnd I.s�tr Clu�rRes. &irrowcr shalE prompdy p��y whcn due thc
<br /> principal of und Interest an thc debt cvidencecl by thc Notc und ai�y prcpuynxnt uixl lutc chur�cs duc wtdcr�hc Notc.
<br /> 2.Funda [or Taxes Wnd Inwrs�nce• Subjcct to appllcablc luw ur to a written wuiver by L.r�xlce, &�rr��wer shall pay to
<br /> l.encicr on the cfay monthly payments ure duc under d�e Ncxe.until the Note i,paid in full,u sum("Funds")fur. la)ycarly taxes
<br /> and utiussnxnts which nmy attain priority over thix Security Instrument us a lien an the Pt+�p+:rty: lb)ycarly leasehold payments
<br /> or grow�d rents on the Propeny, if any;(c)yeudy hut�rd or propeny insuruncc prciuiuinn;(d)ycu�ly flond insurunce premiuei�s,
<br /> if any:(e) yearly mottgage insursnce premiums, if any;and(t�any swns puyable by &;rrower to Lender, in uccorciw�r.e with
<br /> the pmvisions of paragraph S,in lieu af the pnyment of monguge insurance pmmiums.These items ure callai "Ewcrnw Item.9."
<br /> Lcnd�r ma}�, at a�iy time, collert nnd h��ld Funds in an nmount not to ezcecci �he muximum umount a Icixler for a federully
<br /> related nwrtgage loan may require for Borrower's escrow account under the fecieral Real Es[a�te �ettlement Proceciure.y Act of
<br /> 197�1 as amended from tirne to time. 12 U.S.C.Sectian 2601 rt sey. ("RESPA"),unless another law that npplies to the Funds
<br /> sets a lesser aniount. If so, Lender may, at any time, collect and hold Funds in un amaunt not to exceed the lesser amount.
<br /> I.ender may estimate the uinount of Fw�ds due on the basis of currcnt data und reasonablc etitimatcs of expendttures of fu�ure
<br /> Escrow Items or otherwise in accordance with applicable luw.
<br /> 'llie Funds shall be held in an institution whose dcposits am insured by a f�ernl agency, instrumentality, or cntity
<br /> (including Lender,if[..ender is such:ut institution)or in nny Fedcral Homc Loan Bank.l.ender shall apply the Funds to pay thc
<br /> Escrow Itenu. I.cnder may not chnrge Borrower for holding and npplying tl�e Funds,unnually analyzing thc escrow account,ar
<br /> verifying the Escrow Items. unless Lendcr pays Borrower int�rest on the Funcis and upplicsible law permits L,ender to make such
<br /> a chatge. However, Lender may require Barrower to pay u one-time charge for an independent real estate tax reporting service
<br /> � �y r.�,•� ��� r�nn�ction with this loan, unless applicable law provides otherwise. Unless nn ugroement is made or
<br /> applicable law requi�s intertst to be paid,Lender shall not be required to pay Borrower any interest or earnings an the Funds.
<br /> Borrower and Lender may agr�in writing, however, that interest shall be paid on thc Funds.Lender shatl give to Borrower,
<br /> without charge, an annusl aocounting of the Funds, sliowins credits and debizs to the Fuads and thc purpose for which each
<br /> dcbit to the Funds wus mAde.The Funds are pledged as additional security for all sums securad by this Security Insttument.
<br /> If the Funds held by Lender exc.eed the amounts permittod ta be held by applicablo law, Lender sh�ll account to Borrower
<br /> ' for the excess Funds in acco�dana with the requirements of applicablo law. If the amaunt of the Funds held by L.ender at any
<br /> time is not sufficient to pay the Escrow Items when due,Lender may so notity Borrower in writiag,and,tn such case Borrawer
<br /> shall pay to Lender the amount necessary to malce up the deficiency. Borrower shall make up the deficicncy in no more th�n
<br /> - twelve monthly payments,at i.ender's sc�le discretion.
<br /> Opon payment in full of all sums secureci by this 5ecurity instrument. Lender shall promptly refuud to Borrower any
<br /> Funds held by Lender. If,under paragtaph 21,Lender shall ucquire or sell the Prop�tty,I,ender, prior to the acquisition or s�le
<br /> of the Praperty.shall apply eny Funds held by L,ender at the time af acquisition or salu:u a credit a,�ainst the sums recured by
<br /> this Secu�iry Instrument.
<br /> 3.Applic�tlon of P�yments.Unless appUcable law provides otherwise.all paymenu receivsd by L.cnder undcr parngrephs
<br /> 1 and 2 shall be appliod:first, to any prcpayment charges due under the Note; second,to amounts pnyuble under paragraph 1;
<br /> third,to interest duc;fourth,to principal due;lnd last.to any late charges due under the Note.
<br /> 4.Clwrges; I.lens.Barro'wcr shall pay all taxes,assessments,charges, fines u�xl impositions attributable to thc Propeny
<br /> which may attain prioriry ovar this 5ecurity Instniment, ancl leaschold payments or ground rents, if any. Bonower shall pay
<br /> these obligations in the manner provAded in paragraph 2,or if not paid in that manner,Horcower shall pay them on time direcdy
<br /> to the person owexi payment.Bonower shall promptly fufnish to L.e��der all notices of am6unts to be paid under this paragraph.
<br /> If Borrower cnakes these payn�ents directly.Borrower shall promptly fumish to Lender receipts evidencing the payments.
<br /> Borrow�r shall promptly discharge any lien which hag priarity over this Security Instrument unless Borrower:(a)egrees in
<br /> wri¢ing to the pnyment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the liea
<br /> by, or defends against enforcement of thc licn in, legal proccedings which in the Lender's opinion opernte to prevent the
<br /> enforcement of the lien:or (c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to
<br /> this Securiry Instrument. If l.ender determines that any part of the Property is subject ta u lien which tnay attain priority over
<br /> this Security instrument,Lendea may give Borrower a notice identifying the lien. Borsower shaU satisfy the lien or take om or
<br /> morc of the actions set forth above within 10 days of the giving of noticc.
<br /> Fum 3028 9180
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