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<br /> TO(3�TIiER WITH all the impravcments naw or hereaftcr erectod on the property.und all easemon�s. appurtenanr,es.snd
<br /> fixtures now or hercafter u part of thc prapeny. All rcplsaments und udditionc shull also be covered by th(s Secudty
<br /> instrument.All of the foregoing is refrrrccf to in this Secufity lnstrument ns thc"Property.°
<br /> 80RROWER COV�NANTS that Borra�ucr!s lawfuUy sr.is�l of the estate here6y conveyed and has the right to grnnt and �
<br /> convey the Property and that the Praperty!s unencumbered, except for encumbrances of record. Barrower warrants und will
<br /> defend genorc�lly the title to the Property a�alnst all claims and demands,subject to any encumbrances of record.
<br /> THIS SECiJRITY INSTRi1MBNT combines unifarm covenanes for national use and non•uniform covenants with lindted
<br /> variations by,�urisdiction to constitute t►uniform security instrument covering m,al property.
<br /> UNIFORM COVBNANTS.Bonower and I.ender covenant and agree as tollows:
<br /> 1. Payineat af Principal and Interest;Prepayment and Late Charges. Borrower shull promptly pay �vhen due the
<br /> principnl of and interest on the debt evidence�t by the Note and any prepayment and late chnrges due under the Nate.
<br /> Z. Funds for Tnxes and Insurnnce.Subject to applicable law or to a written wAiver by I.endcr.Bonower sht►U pay to
<br /> T.ender on the duy monthly p�yments are due under the Note,until the Note fs paid in full,n sum("Funds') for: (a)yearly taxes
<br /> and assesements whIch may nttain priodty over this Security Instrument as a lien on the Propercy;(b)ycarly lcasehold paynxnts
<br /> or ground renu vr�the Property,if any;(c)yearly huzard or property insurance premiums;(d)yearly flaod insurance pnmiums.
<br /> !f uny; (el y�ady mortgage insurance premiums. if any;and(�any sums payable by Bonower ta I,ender. in accordance with
<br /> the provisions of paragraph 8, In lieu of the paymient of mortgag0 iusurancc prcmiums. These items are called"Fscrnw Ttemc." _...
<br /> Lender may. at any time, collect and hold Funds in an amount not to exceed the maximum iunount a lender for a federally
<br /> related mortgage lapn may require for Bonower's escrow account under the federal Real Estate Settlement Proceduras Act of
<br /> 1974 as umendcd 5'rrom time to time. 12 U.S.C.Section 2b01 et seq. ("RESPA"), unless snathcr law that applies to thc Funcls
<br /> sets a lesser umount.If so, Lender may, at any time, collect and hold Funds in an amount not ta exceed the lesser amount.
<br /> l.endar may estimate the an�unc oP Funds dua on the b�uis of current data und re:�sonable eatimates of expenditums of future
<br /> Escrow Items or othenvise in accuidance with applicabl$luw.
<br /> 1'he Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality. or entity
<br /> (Including L.ender. if I.ender is such an institution)or in any Federal Home Loan Bank. Lender shali apply the Funds to pay the
<br /> Escrow Items.Lender muy not charge Borrower for holding and applying the Funds,annuuUy analyzing the escrow account,or
<br /> verifying the Escraw Items,unless Lender paya Bonawer interest on the Funds and upplicuble law permIts L.ender to make such
<br /> a charge.However.LCndCT i[1Ay t'�quire Borrower iu�iuy a vII8-illii�charHc for sn i���Pe��''nt rPal c�ctate tax reportina service .
<br /> used by Lender in connectIon with this laAn, unless applicable law provides otherwise. Unless un ugreem�nt is made or
<br /> applicable law requires interest to be puid,I.ender shall not be required to pay Bonower any interest or earnings on the Funds.
<br /> Bonower and Lender may agree in writing, however, that interest shal!be paid on the Funds. l.ender shall g[ve to Borcower,
<br /> without charge, an annual uccounting of the Funds, showing credits and debits to th� Funds and the purpose far which each
<br /> debit to the Funds was mude.The Funds are pledged us additlonal secucity for all sums secured by this Securiry Instniment.
<br /> If the F�unds held by Lender exceed the amounts permltted to be held by applicable law.Lender shall account ta Borrower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held hy Lender at eny
<br /> dme is not suffictent to pay the Escraw Items when due,Lender may so notify Borrower in wrtting.and,in such ase Borrower
<br /> shall pay to Lender the amaunE necessary to make up the deficiency. Borrower shall make up the defictency in ra more than
<br /> twelve monthly payments,ut Lender's sole discretion. _
<br /> Upan payment in full of nil sums sxured by this 3ecurity Instrument, I.ender shall prompdy refund ta Aorrower uny
<br /> Funds held by Lender. If,under paragraph 21,Lender ahall acquire or sell the Property,I.ender,prior to the acc{uisizlan nr eale
<br /> af the Property, shall apply arny Funds held by Lender at the time of acquisition or sale as a cmdit against the sums secund by
<br /> . this Securlty Instrument.
<br /> 3.Appikat�on of Pwyments.Unless appltcable law provides otherwise,all payments received by Lender under paragraphs
<br /> 1 and 2 shall be appitod:first.to uny prepayment charges due under the Note:second.to amounts payable under paregraph 2;
<br /> third,to intere.st due;fourth.t�prirtcipal due;and►ast.to any late charges due under the Note.
<br /> 4.Charges; Ltens.Boaower shall pay atl taxes.assessments, churges, fines and imposjtioa�s attrlbutable to the Property
<br /> which may attain priority over this Securiry Instrument, and leasehold payments or ground rents. if any. Borrower shsill pay
<br /> these obligatlons in the mv:�ner provided in parugrnph 2,or if not paid in.that manner, Barrower shall pay thcm on time dircctly
<br /> ' to the person owed payment. 8orrower shall prompdy furnish to Lender all notices of amounu to be paid under this parsigraph.
<br /> If I3orrower makes these payments directly,Borrower shuli promptly furnish to Lender receipts evidencing the payments.
<br /> Borrower st�all promptly discharge any llen which has priority over this Security Instrument unless Borrower;(a)agrecs in
<br /> writing to the payment of the obligation secured by the lien in u manner acceptable to I.ender;(b)contests in good faith the lien
<br /> by, or defends against enforccment of the Uen in, legal proccxdings which in the Lender's opinion oporate to prcvent the
<br /> enforcement of the licn:or(c)secums from the holder of the Iten an agreement satisfactory to Lender subordinating the lien to
<br /> this SecurIty instn�ment. Jf I.ender dctcrmines that uny psut of the Property is subject to a lten which may uttuin priority over
<br /> this Security Instfument.Lender may give Borcower a notice Identifying the lien. Borrower shali sutisfy the lien or take one ur
<br /> , more of the uctioas set forth above within 10 days of the giving of notice.
<br /> Fam 3028 8l90
<br /> Ppe1o10
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