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<br /> TOGETHGR WITH ull thc improvemcnts now on c�rcafter crccted on thc praperty, und ull cascmems. uppunennnccs, und
<br /> Pixtures nnw on c�rcaRcr u pnn ��f thc pro�xrty, All rcplucements and additions shnll nlso �: covcred by this Sa:uriry�
<br /> lnstrumcnt.All of thc forcgoing is rcfcrrcd to in this Sccurity lnstrwnent us thc"Propeny."
<br /> BURROWBR COVENANTS thut Borrowcr is lawfully scised ot'tlic cstaitc hcreby convcycd and hus thc right to grnnt and �
<br /> convcy thc Property und thut thc 1'roperty ih uncnrumbcrcJ, cxrcpt fur uncumbrunccs of rccorct. Burrnwcr warrants and will � �
<br /> dcfcixl gcncrally thc tidc to thc Property uguinst ull claimti und demands,subject to nny encumbrances of rec:ord.
<br /> THIS SECURITY INSTRUMENT combincti uniform covcnants for nntionul usc and non-uniform covcnants with Ifmitcd
<br /> vsriations by,iurisdiction to amstiwtc u unifomi security instrument rovcring rcul property.
<br /> UNIFORM COVENANTS.Borrowcr and I.cndcr cav�nunt und agrec us follows:
<br /> I� Puymcnt o! Principal and Intemst; Prepayment and Late Charg�. Borrawcr shall prornptly p�y whcn due the
<br /> principul of and interest on[hs debt evideneed by the Note unJ uny prepayment and lute churges d�.:�under the Note.
<br /> 2. r'unda for Taxes and IaSUrance. Subject to upplicuble law ar to u written wuiver by Lender,Borrawer shall pay to
<br /> I.endcr an the day monthly puyments nre duc undcr the Notc. until the Note is paid in full,a sum("Funds') for: (a)yearly txaes
<br /> and assessmentF which may attain priority ovcr this Security Instrument as a lien on the Property; (h)yearly leasehold payments
<br /> or ground rents an the Praperty,if any; (c)yearly huzard or ptoperty insurance premiums; (d)yenrly flcwd insurance premiums,
<br /> if any;(e)yeurly mortgage insurunce premiums, if any; und (� any sums payable by Barrower ta Lender, in accordance with _
<br /> thr, provisions of puragraph R, in lieu af the payment of nmrtgnge insurance premiums.These iterns are called"F3scrow Items.° ?''
<br /> Lendcr rnay, at any time, callect and hold Funds i�nn amount not to excecd the maximum amonnt a lender for a federally -
<br /> related rnortgage lonn may require for Borrower's escrow accaunt under the feclerul Real Estate Settlement Procedures Act of
<br /> 1974 as amended from timt to time, 12 U.S.C. Section 2601 et seq. ("RESPA"),uniess unother law that applies to the Funds �;,_
<br /> sets a lesser amaunt. If so, Lender may, at any time, collect and hold Funds in un amount not to exceed the lesser amount. ��
<br /> Lendcr may cstimatc the am�unt of Funds duc on thc basis of current data anJ re:�sonnble estimates of expenditures of futurc
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shull be held in an institution whose deposits are insured by a federul ugency, instrumentality, or entity
<br /> (including Lender,if I.ender is such an institution)or in any Federal Home Loan Bank.L.ender shall upply the Funds to pay the
<br /> Escrow Items.Lender may not charge Borrower far holding and applying the Funds, nnnually analyzing the escraw account,or
<br /> verifying the Escrow Items,unless I.ender pays Borrower interest on the Funds and applicable law perrni�s Lender to ma{ce such
<br /> a char�e.However, Lender may require Borcower to pay a one-time charge For un independent real estete tax reporting service
<br /> used by l.ender in connection with this loan, unless applicable law pravides otherwise. Unless an agreement is made or
<br /> applicable It►w rec�uires intcrest to be puid,Lender shnll not be requirod to pay Barrower any interest or earnings on the Futtds.
<br /> Borrower and Lender may agree in writing,howevcr,that interest shall be paid on the Funds. Lender shall give to Borrower,
<br /> without churge. an annual accounting of thc Funds, showing credits and debits to the Fur.ds and the purpose far which each
<br /> debit to the Funds was made.The Funds ure pledged as additional security for all sums secured by this Saurity Insuument.
<br /> If ihc Funds held by Lender exceed tha amounts pernutted to be held by upplicablc law,I.endcr shall acwunt to Bonower
<br /> ' for the excess Funds in accordance with tho requirements of npplicable law. If the umount of the Funds held by t.ender at any
<br /> ' time is not sufficient to pay the 8scrow Items when due. I.ender may so notify Borrower in writing,ond,in such case Borrower
<br /> shcill pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficfency in no more then
<br /> ! twelve rnonthly payments,at Lendcr's sola discretion.
<br /> Upon payment in full of all sums secured by this Security Instrumcnt, Lender shall promptly mfund to Bonower any
<br /> • Funds held by L.ender.If,under paragraph 21. Lender shall acquirc or sell the Property.Lender, prior to the ncyuisition or sale
<br /> of the Pibperty, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> thisSecurity Instrument.
<br /> � 3. Application ot Payments.Uniess applicable law provides otherwise,all payments received by Iznder under paragraphs
<br /> 1 and 2 shall be applied: flrst, to any prepayment char�es due under the Note; second, to amounts payeble under paragraph 2;
<br /> ; third,to interest due; founh,to principnl due; und last,to any late charges due under the Notc.
<br /> 4. Charges; Liens. Bonower shAll pay all taxes, assessments, charges, fines and impositions attributabic to the Property
<br /> which may attein priority over this Security Instrumcnt,and leasehald payments or ground rents, if any. Borrower shall pay
<br /> these obligutions in the manner provided in paragraph 2.or if not paid in thut manncr,Borrower shall pay d�em on time directly
<br /> to the person owecl payment. Borrower shall promptly furnish to Lcndcr al! notices of amounts to be paid under this paragraph.
<br /> If Borrower mukes these puyments directly.Borrower shall promptly fumish to Lender receipts evidencing the payments.
<br /> Borrower shall promptly discharge any lien which has priority over this Security instrument unless Borrower:(a)agrees in
<br /> writing to the payment of she obligation secured by thc lien in a manner acceptable to Lender;(b)conte,sts in good faith the lien
<br /> by, or defends against enforcement of the lien in, le�ul proceedings which in the Lender's opinion operate to ptevent the
<br /> entforcement of thc lien:or(c)secures from tfte holder of thc licn an agtecment satisfuctory to l�nder subordinating the lien to �
<br /> � this Security Instrument. If C.ender determines that any pan of the Property is subject to a lien which may uttain priority over
<br /> this Security Instrument, L.endcr may give Borrower x notice identifying the lien.Borrower shull satisfy the licn or take ane or
<br /> morc of the actions set forth above within 10 days of the giving of potice.
<br /> r
<br /> Fam 30�8 9180
<br /> Pepe 7 0l6
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