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<br /> TOG�TH�'sP,ti'�`1';'i f all thc impravcnzentt nnw on c�r�s+fter Crcclr,cl nn i1tC property, nn�1 all c;��cnxnls,+�p(xinciwiKC`. uiK�
<br /> fixtures na�•.�� ar h�ce��i�nr a part of the propeny. AU repincemr.nla nnd uctdition� +hull ulu� tx r�iver�ri hy this 5e�:urity
<br /> lnstrumcnc. All�f�hw t'ortgoing is referrai to in this Security Gihtrutnent uh thc"Pro�ny."
<br /> BOR"RUWI;fi COVf?NANTS that Horrower is lawfully scisecl of lhe e.�;tutc herehy coi►veycd u�x1 hu��hc right tn g�a�u and
<br /> convey the Property .,nd �hat the Property is unencumisercd, except For encumbrunces of reccmf. H�muw'er wrrrpntt nr�1 wlll
<br /> dePend gen�rnlly the tide to the Pro{�erey against ull cl�dms nnd denw�xls, hubj�ct to eny erxumhnix:es nf recu►t1,
<br /> T311S S�CIiRITY 1NS7�tUN1ENT comhines uniform covcnunt�for national usc ui�d non•uniform covcn�nt�with Ifntllai
<br /> variutions by jnriAcli�tion to cnnstir,;,;nr,q uniform security instrum�ent cnvering re+d pmperty.
<br /> UTIf•U�ti�S GQVF.T�A�1TS.Ac�n�ower and Lcnder covonant arxl agrec us follows:
<br /> Y� Pt+ympq!�f Princlpal flnd Interest; Prepayment wnd I,�te Ctu�rySd. Barrower shelE pa��a�lly pay whrn duG the
<br /> principnl af 1nd intere:t o:i thc debt evidenccd by the Note a►�d any prspaymcn�and Intc charktes du�ucader ARw Nnte,
<br /> 2. Funds for•.�'qxe.ti and Insurn-nhe. Subject to upplicable Iu�H�r to u written waivem by.l..eixler. �lkrarower shxll pa►}tu
<br /> Lencler on th�d�y qeanthty,payrnents un ciue under the i�oic,u��ie i�, "J.,te�s(;aid{n ;u!!,°�'!�,c^r��.vlc"l fur:lal vsady txxex
<br /> a�d asseasm�nts wh1�;h may:altaili pric�rily over this Sr.curity I:stra::ze:�t as n Ilcn on tl�e Pro�rr�y: fb!treaely leasehold p+�ynxnls
<br /> or grodnd renta,nn�d:�c Propirty,if uny;(c)yes+rly hazard or praperty ii�surAnce premiums;(d)�'rnrEy ill�x�t11 insurance prcmiumx,
<br /> if any; (e) ycm1L niunga�;c inyi�rance premiums,ali r�iy;and(n any sums puyablc by&�rrower to l.onder, en�ccord�nce with
<br /> the prc�+�isioas a'f pstrngrapn F, in lieu pf the puymrnt�f mortg�ge insuruncc premiumF. 'Phese iienu are callal"Escrow Uemr."
<br /> 1.ender im�y, nY ntiy time, coliact an�! hoid Funds �n an u�ni�u:rc'Yx,x to excecd the maximum unount� la►ckr tor� fadenlly
<br /> rclated m��nga�p.lo��n may�r�tiirc for Rorrower's esoro�v sicc�un�u►►der the fedcnil Rc:d Esto�e Settleitxnt Prc�cedurcs Act of
<br /> 1974 us arxscncic^,ia f�rc�m�i:��e to ilmc, l2 U.S.C.Se�tic�n �C�S rt s�q. ("RESPA"),unlc.es another law Ihat�pplles�to the Futd;
<br /> sets a less�r:r nmou»t. lf sa,La`nd�r mxy, at any tiici�, collect and hold Funds in an nmount ix►t to exeoal the Icssr.r�ut�ount.
<br /> Lender na�i;y estimpte tt�c amount oF Funds duc on the basis of cunenc data and reas�moble csiirewtes of expenditurcs of fuwrc
<br /> Escrow Irr:rns or nthervise in ncc�rdnn�e with applicable law.
<br /> The `�Futids shnll he held in nn instituti�n whose deposits are insurai hy a futi?�val agency, instrumentdity. or enti�y
<br /> (inciuding t.c�xi,nr, i f La�ui��;s snc�ar ins,i:st'.cr.;^•in pny FHleral Home L.oan$unk. ].�rxies shall apply the Fund�to pny the
<br /> Escrow[tems. I.e.ndcr m1y not,chnrgp�trc�wer for holding and applying Ihe Funds, annually uudyring ths escrow a�ccount,nr
<br /> verifying the�.'�scrtiw llcn�s,urile.3�Lender pnys Bar:ower interest on the Funds ar�d applicable liw permits l.etder to rtuke wch
<br /> �chargc. Howcver.'•i.,ender rrui,r aequire 33orrower to pay a one-time charge for An independent ral�state taz trportinj servioe ,. __
<br /> usod by Lender in.cnnnecti4� ��•ith thi5 1o:►n, unless applicable law provides cxhenvise. Unless �n agreement is made or �.�'
<br /> �pplicable law roqu:iYes intcrast�tp bc pnid,Lender shall nut be required to pay Borrower eny intercst or earnings on the Furdn..' .^
<br /> Borrower and l,enc.�r m.ry a�r•Eo ln wridn�,ho����ver. that interest shall be paid on the Furxla. Lxixier shall give to Borrower. .
<br /> withaut ch�rgc, an u;ui�i:.1 necouriting of thc Funcls, showing crodits uid debitK to the Funds u�d the purpooe for whkh�h ;, f'
<br /> debit to the Funds w�s m,ide.;'fh��Funds are piedged es additional xcarity for all eums secund by this Security Inun►nxnt. •a;..
<br /> If the Funds he�id by irtt'�f�cr exce�d•1he;#iinounts pecmittecl to be held by applicable Isw,I.ender shall�ccount to Norruwu
<br /> for the excess Funci!s;in accqrdnnce wi�h;2he.req�.iirements of applicable law. If the amount of the Funds held by Lend�r�t mY ' ,
<br /> time is not sufticier.�a to pny:t'�e;�'gcrow I2ems when due,Lender may so notitY Borrower in writing,atd, in such et�e Nurcowa .
<br /> �hal! pay to I.ender;tt�e :un��nt'necess�ry to mnke up the deticiency. Borrower siwll m�ke up tbe deficiency in no mocr dwt ,
<br /> twelve monUily paym:pts,n►r.endcr's sole discretian.
<br /> Upon payment it1".hdl t�f n11 s�tms s�etired by this Security Instn►rcxnt. Lender shall prompcly rcfund to Borrower anY
<br /> Funds held by Lender.�;�,under��,E�rn�;mph 2]:,l.ender shall ucquire or sell the Property,f..ender. prior to the�cquitition or wle
<br /> of the Praperty,shall�np�ply nny Funds he,lci by Lender at the time of acquisition or sale os a credit xg�inst tho sunu seeuend bY
<br /> �hii St�curiry[nstcurnent.: '
<br /> 3�Appllentlon o[Paytncentc.L'nless oppliu�ble law provides otherwise,aU payments roceived b�y[.ender u��
<br /> � �c12 shall be npplied: tirst.;te nny psep�yment eharges due under thc Note; second,t� a►nou�nts �ble under 2:
<br /> thini,to in►crest due;founh, to pr�incipuf:duc;ancl lest,to any latc chargcs duc unJer the Notc.
<br /> �1,�:hargea; Liens. Borrowcr sh:}li'�r�;+ nll tnzes,assacsments, charges, fines bnd impositians attributablo to tlx Property
<br /> whkh mny attain priority over ihis Secut�z3± lns��•�unen;, und leusehold p�isments or ground rents, if any. Iiorrower aha1� P�Y
<br /> the�e obli�e�ions in the manner provided.iit pfuagraph 2,or if not paid in that menner, 6orrower stiall pay them on time diroct�Y
<br /> to 1he per�on owod puyment. Borr�osver cihnll.-promptly fun:ash to Lender all notices of a�nourns to be paid urxkr this puagrq�h.
<br /> If lic�nowcr nmkts these payments di�rcctl��,-�Eiorro�,cr shall pru�nptly furnish to Lender receipts evidencing�he}�ayments.
<br /> Hurrower shull promptly dischat�ge�tiry Gen which hus pTlority over this Security Instrument unless Horrower.(a)t�ras iq
<br /> wtiling tu the Myment of the obligat,9on s�:c�i�ircd t����tl�e lien in a ma►uur,,:cceptable to L,ender,(b)rnntests in Qood 1'�ilh the IiCr�
<br /> hy, c;� defctxls against cnforcemeri't mf thc, lien in, ']�ga] proceddings wh��h in thc Lender's opinion operate to pn:vent the
<br /> enlurcement uf th�lien; or(c)seci�res from the hold�tr oF ehe lien nt� agrecment satisfact�xry to Lender subordina�in�1hc lien to
<br /> Ihl� Security lnstrument. If Lender.r!etermines th1►nny part nf thc Propany is subjecc to a lien which may uusin prioricY over
<br /> thlr Scrurity In�trumcnt, Lcnder rnuy g�YC IIorrowcr n noticc identifying thc lien. Borrower shull saiisty the:lien or take one or
<br /> nx►re��f'tt►e ucl(ons+ct forth above witlifr 10 days of t�e�;ivin�of notice.
<br /> Form 302t �HO
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