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<br />._�': 9?- 1U6846
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<br /> �T.�� TQG6THER WITH all the improvemcnts now or hereuft�r crected on the property,and all cascrnent�,appurtennnces,und
<br />�_ ,,.;� fixtures naw or hereufter a part c�f tlie propeny. AU replucements und adJi�ions shcdl alsi� be cm•ered by this Security c
<br />- Instrumcnt. All af thc forcgoing is rcfcrrcd to in this Sccurity Instrumcnt as the "Property."
<br /> _,.,-,a.
<br />_� BORROWER COVENANTS that Hc�rcowcr is lawfully seiscd of die estate herehy conveycd and has tt�e right to grunt and
<br /> — convey the Property und that the Property is uneiicumbercAi, except for encumbrunces uf'r.xurJ. Buuuwo� a�urrants and �c•ill -
<br /> 'S^ defend genemlly the title to the Propeny agninst aU cluims und demunds, subject ta uny encumbntnces of record.
<br /> THIS SECURITY INSTRUMENT combincs uniform cavcnants for national usc and non-uniform rovcnunt� with limited
<br />�.;,, variations by jurisdiction to constitute a unifonn security instrument covering rcal property. -
<br />-` ':� UNIFORM COVENANTS. Borrowtr und Lender covcnant nnd ugree ns follows:
<br /> ��" 1. Payment of Princfpal and Interest; Prepay ment and Late Charges. Borrowcr shaU promptly pay when due the
<br /> -,'•° principal of and interest on the debt evidenccd by the Note and uny prepaymeat nnd late charges due under the Nore.
<br />��� 2. F�nds for Taxes and Insurance. Subjcct to applicublc law or to a written waiver by Lender, Barrower shall pay to
<br /> - - L.ender on the day monthly payments are due under the Note,until the Note is paid in full,A sum("Funds")for: (a)yearly taxes
<br />�� and assessmenis which may attain prioricy over this Security Instrument as a lien on the Praperty; (b)yearly leasehold payments i
<br /> ='� or ground�ents on the Praperty,if any; (c)yearly hazard or property insurence premiuins;(d)yearly flcx�d insurance premiums,
<br /> _� if any: (e)yearly mortgagc insurance premiums,if any; and (� any sums payable by Bottower to Lender,in aaordance with
<br />__��'� the provisiuns of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
<br /> '� Lender mAy, at any time,callect and hold Funds in an amount not to exceed the maximum amount u lender for n federally
<br /> �' reluted mortgage loan may require for Borrower's escrow lccoant under the f'ederal Renl Estate Settlement P�•ocedures Act of
<br /> 1974 as amended from time to time. 12 U.S.C.Section 2601 et sey. ("RESPA"), unless anothcr Iaw that applies t�the Funds
<br /> sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount.
<br />�',.+��. L,ender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expcnditures of future
<br /> ---- Escrow Items or otherwise in accordance with upplicable law.
<br /> The Funds shall be held in an in,titutian wiiose deposits nre insured by a federnl agency, instrumentality, or entity
<br /> rincludine L.ender,if Lender is such an institutian)or in any Federal Home Loan Bank. Lender shall upply the Funds to pay the
<br /> -_-�- Escrow Items. I.ender may not churge Borrower for holding and applying the h'unds,annuaiiy unalyzing the escrow accounc,or
<br /> verifying the 6scrow Items,unless Lender pays Borrower interest on the Funds and applicable law permics Lender to make such
<br /> � a chargc.However. Lender may require Borrower to pay a une-time charge for an independent mal estate tax reporting service
<br />-� used by Lender in connection with this loan, unless applicuble law provides otherwise. Unless an agreement is mnde or
<br /> , applicable law requires interest to be paid,L.ender shall not be required to pay Bonower any interest or eamings on the Funds.
<br /> Bonower and[.ender may a�ree in writing, however, that interest shall be paid on the Funds. L,ender shall give ta Borrower,
<br /> — without charge, an annual accounting of the Funds, showing credits and debits to the Funds und the purpose for which each
<br /> debit to the Funds was trade. The Funds are pledged as additional security for all sums secured by this Securiry Instrument.
<br /> - If the Funds held by Lender excced the amounts permitted to be held by applicable taw,Lender shall account to Bonower
<br /> for the excess Funds in accordance with the requirements of applicable la�v. If the amount of the Funds held by L.ender at any
<br /> time is not sufficient to pay the Escrow Items when due,I.ender may so notify Bonower in writing, and,in such case Borrower
<br /> , ' shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
<br /> twelve monthly payments,at Lendcr's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Tnstrument, Lender shall promptly refund to Borrower any
<br /> Funds held by Lender.If,undet paragraph 21.Lender shall acquire or sell the Praperty,I.ender,prior to the ucquisition or sale
<br /> of the Property,shall apply any Funds held by Lcnder at the time of acquisition or sale as a credit aguinst the sums securcd by
<br />_._�_ this Security Instrument.
<br /> 3. Applicaitlon ot Payments.Unless applicable law provides otherwise, all payments received by Lender under paragraphs
<br /> l and 2 shall bc applied: first,to uny prepaymcnt chargcs due under the Notc; second. to amounts payablc under paragraph 2;
<br /> third,to interest due;fourth, to principal due: and last,to any late charges due under the Note.
<br /> 4. Chacges;Liens. Borrower shall pay all taxes,assessments, charges. fincs and impositians attributeble to thc Property
<br /> �0''" which may attain priority over this Security Instrument, nnd leasehold payrrients or ground rents, if any.Bonower shall pay
<br /> i"�`"� these obligations in the manner pmviJed in paragraph 2,or if not paid in that m�nner, Borcower shall pay them on time directly
<br /> to the person owed paymcnt. Borcower shall promptly furnish to Lender all noticcs of amounts to be paid under this parngrsiph.
<br /> If Borrowcr makes thcse payments directly,Bunower shall promptly furnish to Lendcr mceipts evidencing the payments.
<br /> � Bottower shaU promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in
<br /> _ writing to the payment of the obli�ation secured by the lien in a manner acceptable to L.ender;(b)contests in good faith the licn
<br /> _= by. or defends against enforcement of che lien in, Icgal proceedings which in the Lender's apinion operate to prevent the
<br />- ----_ � enforcement of the licn; or(c)secures from the holder of the lien an agreement satisfactory to L.ender suborclinating the lien to
<br /> �- _= this Security Instrument. If Lender determines that any part of the Propeny is subject to a lien which may attain priority over
<br /> --° this Sccuriry Instrument, Lender may give B�rrower a notice idcntifyinb the licn. Borrc��ver shall satisfy the lien or take one or
<br /> ::=- • more of the actions tiet forth abave within 10 days of the giving of notice.
<br /> - Forrn 3028 9I80
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