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<br /> ..�,�.,-,, TOGETH�R WI'CH all thc improvements now or hereufter erected on the propc;ny, und ull casements,appurtenanccs,and
<br />=' '��.� ' tixtures now or hereufter n part of the properry. All replacements and additionc shull alsc� be covered by this Security
<br /> lnstrumcnt. All of the fnreg�»ng is referrcd�o in this Sccurity Instrwncnt as the "Proper►y." �
<br /> •���±��` ' 80RROWER COVENAN'fS thut Borrowcr is luwfully sciscd af thc estaec hcrcby convcycd and hus thc righc w grunt and
<br /> convey the Property und that the Propeny is unencumbered, except for encumbrances of record. Borrower wurrants und will
<br /> �� defend generally the tiNe to the Propeny uguinst all claims and demands,subject to any encumbrances of record.
<br /> THIS SECURITY INSTRUMENT combines unifnrm covenunts for national use and nnn-uniform covenunts with limite,�i
<br /> `^ ' variations by jurisdiction to constitute a uniform security instrumcnt covering real property.
<br /> �� >• ���' UNIFORM COVENANTS.Borrower und Lendcr covenant and agree as follows:
<br /> 'r;?•� 1. Payment of Prfncipal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br /> ,.,;$;,-:. principal of 1nd interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br /> - •. 2. Flinds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borcower shull pay to
<br /> •�y � � Lender an the day monthly paymenGS are duc wider the Note, until the Note is paid in full, a sum("Funds")for:(a)yearly taxes
<br /> , �; '
<br />-.z•_�-.;;.._, and assessments which may attain priority over this Security Instrument as a lien on the Property:(b)yearly teasehold payments
<br />- •;�;::;":�' or ground ren�s on the Property,if any;(c)yearly hazard or ptoperty insurance premiums: (d)yearly fload insurunce premiums,
<br /> ��;` ;; if any: (e)yearly murtgage insurance premiums, if any; and (�any sums payable by Borrowcr to Lender, in accordance with _
<br /> �% �� ' the provisions of pAragr�ph 8, in lieu of the payment of mortgnge insurance premiums. These items are called "Escrow Items."
<br /> �`>%;�:�`:
<br /> ;.; �� Lender may, at any time, collect and hold Funds in an amount not ta exceeci the maximum amount a lender for a .federally
<br /> __y;��r� related mortgage loa�i may require far Borrower's escraw account under the federal Real Estate Settlemeat Pmcuiures Act of
<br /> ;•.� 1974 us amended fmm timc to time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless another law thut npplies to the�unds
<br />'�'-t�u� sets a lesser amouoit. If so, L.ender may, at any time, collect and hold Funds in an amount not to exceed the less..r amount.
<br /> ��%��° Lender may estim�te the amount of Funds due on the basis of curcent duta and reasonable estimates of expenditums of future
<br /> �s�.
<br /> Bscrow Items or otherwise in accordance with applicabic I�w.
<br />�--"'��• The Funds shall be held in an instiwtion whoae deposits are insured by a federal agency, instrumentality, or entiry
<br /> _�..._�,�,"i�
<br /> ••___� (including I.ender.if Lender is such an institution)or in uny Federal Home Loan Bank. I.ender shall apply the Funds to pay t e
<br /> "�`�ii.� Escrow Items. Lender may not charge Bonower for holding and applying the Funds, annually analyzing the escrow account,or
<br /> -_ ° vcrifying u'�c Es:.ra�c:tr:rs,u�lcs;Lender ps;s B�rrower intcrPst n�the Funds and apQlicable law permits Lender to ma�::such
<br /> `�(� a charge. However,Lender may require Borrower to pay a one-time charge for an independent rcal estate tax repotting service
<br /> useii by I.ender in connection with this loan, unless applicable law provides otherwise. Unless nn agreement is mude or
<br /> -----= applicable law requires interest to be paid, Lender shaU not be required to pay Borrower any interest or carnings on che Funds.
<br /> Borrower and I.ender may agrce in writing, however,that interest shall be paid on thc Funds. Lender sliafl gire to Borrower,
<br /> • without churge, an annual accounting of the Funds. showing credits and debits to the �unds and the puipose for which each
<br /> — debit to the Funds wus made. The Funds are pledged as additional xecurity for all sums secured by this Security Instrument.
<br /> If the Funds held by I.ender exceed the amaunts permitted to be held by upplicable law, I.ender shall account to Bonower
<br /> for the excess Funds in aceordance with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> � time is not sufficient to pay the Escrow Items when duc,Lender may so notify Bonower in writing, and,in such case Borrower
<br /> shull pay to Lender the amount necessary to make up the deficiency. Borcower shall make up the deficiency in no more than
<br /> • hvelve monthly payments,at Lender's sole discretion.
<br /> Upon payment in full of all sums sccured by this Security Instrument, Lender shall promptly refund to Borrower any
<br /> Funds held by Lender. If,under paragraph 21, Lender shall acc�uire or sell the Property. Lender,prior to the acquisition or sale
<br /> of the Property, shall apply any Funds held by Len�ter at the time of acquisition or sale as a credit against the sums secure�by
<br /> this Security Instrument.
<br /> :,`=� 3.Applicaition of Poyments.Unless applicabic law provides otherwise, all payments received by Lender under paragraphs
<br /> --=— 1 and 2 shall be applicd: first, to any prepayment charg�s due undcr thc Notc;second, to amounts payable under paragraph 2;
<br /> third,to intcrest due;fourth, to principal due;and last,to any late charges due under the Note.
<br /> 4.Charges; Liens. Borrower shall pay all taxes,assessmcnts,charges, fines and impositions attributable to the Property
<br /> which may attain priority over this Security Instrument, and leasehold paymcnts or ground mnts, if any. Borrower shall pay
<br /> M thcse obligations in the manner provided in parag�aph 2,or if not paid in that manner, Borrower shall pay them on time directly
<br /> � to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
<br /> If Borrower makes these payments directly.Borrower shall promptly furnish to Lc:nder 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 the obligation secureci by the lien in a m:uiner acceptable to Lender; (b)contests in good faith the lien
<br /> -.=r;°�=�;� by, or defends �gainst cnforccment of the lien in. Iegal procecdings which in the Lender's opinion operate to prevent the
<br /> =�5,;;`i�. . enforcement of ti�e lien; or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to
<br /> �==�:`=' this Security Instrumcnt. If Lender dctertnincs that any part of thc Propeny is subject to a lien which may attain priority over
<br /> `:'�:a��:;` this Security Instrument, L,cnder msy givc Borrowrr a noticc identifying the lien. Borro�ver shull satisF}�thc licn or tske one or
<br /> ;:::_4_.:>> � more of the actions set fonh above within 10 days of the giving of notice.
<br />_:";?�,�:•� Form 3028 9180
<br /> �i.,xi.��`
<br />.- - Page 2 0l 6
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