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<br /> '1'O(il:'PH4?It WI'PN nll thc imprnvcmcnts now on c�reuRer arectal nn Ihe pru�xny.nn.f ull cu.cincnts,nppunenuncew, und
<br /> I"ixturcti nu�v iin c�rcidtcr n pnrt ul' Ihc rra(x�r�y. All rcpincCntcnty tmd u�iditi�+n� shall ulso hc c�wcrcd hy thln 5ccuriry R
<br /> Instrument. All nf tlu f�ircgofng i:�rcFcrrMl ti►hi thix Sccurhy In�:trumcnt n�thc"PraFxrty.
<br /> BORItOWF.R COVE:NAN'I'S thnt Borrowcr ir lawfully scised of th�:cstutc hcrchy canvcycd und hus Uic righr to grnnt und
<br /> rnnvcy the ProFxny nnd that the Propeny is unencumbereJ, except fi�r encumhrunceti of r�corJ. Bnrrmver wa►rrunts nnd will
<br /> defend genernlly the tiNc to the PmpeRy uguinst ull clsiims und denuinJn, suhject tei nny encurnbrunces af record.
<br /> THIS SECURITY INSTRUMENT comhincs uniforn�covenants for nutimiul usc und non-uniform covcniints with limitcd
<br /> variutions by jurisdiction to con+titute n unifonn sccurity Instrument covering real pr��perty.
<br /> UNIFORM COV�NANTS. Borrowcc nnd Lcndcr covcnunt and agrce as followF;
<br /> 1. Payment ot Princtpal und �nter�;t; Prepuyment and [.ate Chargers. Bon•�wcr shull pramptly puy whcn due the
<br /> princip:d of imd interest on the dcbt evidcnc:ed by thc Notc und uny prcpuymcnt nnd lutc charges duc undcr the NMe.
<br /> 2,t�nds tor Txx�s�nd losur��ce. Subject to npplicublc law or ta a written wuiver by l.cnder, Bonowcr shall pay to
<br /> Lender on the da�monthly Qayments ur�:due uncle�the Note,until the Nrne is puid in full,a sum("Funds"1 for:(al yearly taxes
<br /> and ussessmenls which mzy attain priority over this Security Instrument as a iien on tl�e Pro�erty:(t�)yEatly leasehold payments _ _
<br /> or g��u�nd rents on the Property, if any;(c�yauly h:xeare!or pr�ge�ty incorance premiums:(dl yearly fla�d insur,tnce premiums.
<br /> if miy: (c)yearly mongage insurance premiums,if;iny:and(� any sums payable by Borrmwer to I.ender, in uccordance with
<br /> the provisions of paragraph B, in licu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br /> Lender may, at any time. collcct and hold Fu�c�s in i�n amount not to excecd the maximum amaunt a lender for u federally
<br /> related mortga�e loar� a��ay require for Borrower'z�:>crow uccount under the xederal Real Estate 5ettlen�ent Procedures Act of
<br /> 19T4 as amended from Qime ta time, 12 U.S.C. S��tion 2601 et seq. ("R�S�';�"), unless ae�other law that applies to the Funds
<br /> sets a Icsscr umount. If so, Lender may, at any time, collect and hold Funds in an aenotiint not ta cxceed thc Icsser umount.
<br /> I.endcr may estimntc the amount af Funds due on the basis of currcnt data and reasonu6l��stimates of expenditures of future
<br /> Escrow Items ar atherwise in accorclance with upplicable law.
<br /> The Funds shaU bc held in an instituticnn whose deposits are insu�e�1 by a fedcrul ugency, i�ssnimentality, or enti[y
<br /> � (including l.ender,if Lender is such an institutaa�nl�r in uny Fedcml Hame Loan Bank. Lender sha11 ap�ly the Funds to pay the
<br /> ESCT(�ti�n'�tma. L.ciw'ci uv+j':.:�::i::i'M:w`"���uar f�r�n�tlin�nnd applying thc Funds,unnually Analyziaeg ihe x.crow account,or
<br /> verifying the 6scrow i�ems.ur��ss.Lendzr pays�axrower intcrest on thc Funds and applicaimlc law penaoius C.rndcr ta ur,aAe such
<br /> a charge. Howcvcr, ILc�.7:r may rtyuire Bottcyrver�o pay a one-time charge fa►r an indep��ns�rma re�l c>�a'�e tax reponing service
<br /> used by Lender in connection with this loar�, urcPcss upplicAble luw pem�-eile: �therK•is�. 4.�'nl;ss Ar� Agreement Is mado or
<br /> applicuble law requires intcrest to be paid.Lendcr shnll not be requirai to pay Borrowcrnny intc[�est or carn[ngs on the Funds.
<br /> Borruwer and l.endcr may ng�ce in writing,however,thut intcrest shull be pald on thc Funds. Lender shull give to Borrowcr.
<br /> �:ithaut charge, stt:tttnet�! scc�nntine of the Funds, showing credits and debits ta the Funds und the purpose for which cach
<br /> debit to the Funds wac made.The Funds��e pledged as additianul security for ull sums ucunxt i,y t1ils 5:.�,uric�Inst�ment. -
<br /> !f the Funds held by l.ender exceai the amaunts pennitted to be held by applicuble law, I.ender shall account to Aorrower
<br /> for the excess Fund:+in accordance with the requireuients of applicab(c luw. If the amount of the Funds held by I.ender at any
<br /> time is not sufficient to puy the Escrow Items when due, Lender may so notify Borrower in writing,nnd,in such case Borrower
<br /> shall pay to Lender the amount necessury to make up the deficicncy. Borrower �hull make up the deficiency in no more than
<br /> twelve monthly paymcnts,nt Lender's sole discretion.
<br /> Upon payn�ent in full of all sums secured by this Security Tnstrumant, L.cndcr shall promptly refund to Borrowcr any
<br /> Fu�x1s held by L.cndcr.If,undcr paragmph 21, Lendcr shull�cquii�e or sell the Property,Lender,prior to the acyuisition or sale
<br /> of the Property, sl�all npply any Funds held by I.cnder at thc timc of acquisitton or sale as a crcdit agninst the sums securai by
<br /> this Security Instrument.
<br /> 3.Applicption of Payments.Unles�applicable Inw provides otherwise,all payments mceived by I.endcr undcr parographs
<br /> 1 und 2 shall be applled: first, to any prepayment charges due undcr the Nnte; second,[o amounts payable under paragraph 2;
<br /> third,to interest due;fourth,to principal due; and last,to any latc charges due under the Note.
<br /> 4. Charges;Liens. Borrower shull puy all taxes, asscssmcnts, chnrges, fines and impositions attributable to the property
<br /> which may attain priority over this 5ecurity Instrument, and Ieasetiold paymcnts or ground rents, if any. Borrower shall pay
<br /> thcse obli�atians in thc manner providcd in paregraph 2,or if not paid in that manncr,Borrower shall pay them on time directly
<br /> to the person ow�al payment.Borrower shaU promptly furnish to Lcnder;�II notices of a�nounts to be paid under this parngraph.
<br /> If Borrower makes Yhese payments directly,Hortower shall promptly fumish to Lender receipts evidcncfng the payments.
<br /> Borrower shall promptly discharge any 1{en which has priority over this Security lnstrument unless Honower: (a)agrees in
<br /> writing to the payment of the abligAtion secund by the lien in n manner acecptnble to Lender;(b)wntests in good fuith the lien
<br /> by, or defends against enfarcement of the lien in, legal ptoceodings which in the Lender's opinion operate to prevent the
<br /> enforcement of tt�x lien:or(c)secures from tt►:h�lder of the lien an agrcem:nt satisfnctory ta L.ender subonlinating the lien to
<br /> this Security Instrument. If Lender detcrniines that uny part of tlie Pro�r:rly is subjec�to a lien �vhich may attnin priority over
<br /> this Security Instntment, Lender may give Bonower a notice identifying the lien.8orro�ver shall sntisfy the Ifen or take one or
<br /> — more of the actions set forth above within l0 days of the giving of notice.
<br /> Fam 3028 9180
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