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<br /> TQG�THER WITH all thc ImprovemenGs now on c�rcattcr erected on the property,und ali es+sements,uppurtcnunc�s,a��d
<br /> fixtures now or hereuRer n part uf tt�c property. All replacements anc! additions shall also bc covcrec! by this Sccurity
<br /> Instrumcnt. All of thc foregoing is rcfcrrcd to in this Security Instrmnent as thc"Property."
<br /> BUItItUWBR COYENAN�S thut Borrawer is lawfully scised of thc estutc hcrcby cunvcyal u�x!I�us tlir��igl�t tu brunt urxi
<br /> canvey the Property and that the Property is unencum6ered. except for enrumbrnnces af record. Barrawer warrunts und will
<br /> defend generally the title to the Property aguinst all clu3ms und de�nands,subjcct to uny encumbranca�of record.
<br /> THIS SECURITY INSTRUMSNT combines uniform cavenants far nationnl use and non-unifurm covenanis with limitod
<br /> variations by Jurisdiction to constitute a uniform securiry instnrment covering real property.
<br /> UNIFORM COVBNANTS.Bottawer and Lender rnvenant and ngree as follows:
<br /> l. Pwyment oP Princip�tl and Interest;Preppyment and I.ate Chxrges. Barrower shaU prumptly pey wl�en due tIw
<br /> princ+pal of a��d interest on the debt evidenced by the Note and any prcpayment and IAtc charges due under thc Note.
<br /> 2.Funds for Toxes and Insurance.Subject to upplicuble law or ta a written waiver by Lender. Borrower shall pay to
<br /> Lender on the day monthly payments are due under the Note.unti!the Note is puid in full,a sum("Funds")for:(u)yearly taxes
<br /> and assessments whtch may uttain pr�ority over this Security Insuument as u lien on the Prope�ty;(b)yearly leasehald payments
<br /> or ground rents on the Properry. if any; (c)yearly hazard or property Insurnnce premiums;{d)yearly flood insuru�ce p:emiums,
<br /> if uny; (e)yeurly mortgage insurance pcemiums. tf any; and (�any sums payable by Borrower to Lender, in accordanca wIth
<br /> the provisions of parngraph 8,i�lieu of the payment of mortga�e insurac�ce premiums.These items ure called "Escrow Items."
<br /> l.ender may. at uny time. collcct and hold Funds in an amount not to excecd thc maximum amount a lender for a federally
<br /> reluted mortgage loan may require for Borrower's escrow account under the fedarnl Rettl Estate Settlement Procedures Act of
<br /> 1974 as arr�ended from dme to time, 12 U.S.C. Section 2601 et sey. ("RESPA"),unless another law that�p�lies to the Funds
<br /> seu a Icsser amount. If so. Lender may,nt any time. collect and hold Funds in an ucnount not to exceed the lesser amount.
<br /> i.�nder may estimate the amount of Funds duc on the basis of current data and reasonable estImates of expenditures af future
<br /> Escrow Irems or otherwise ia accordunce with appllcable luw.
<br /> The Funds shall be held in nn institution whose deposlts are insured by a fedoral a�ency. instrumentality, or entIty
<br /> (including Lender.if Lender is such an institudon)or in any Faleral Hon�e Loan Bank.Lender shall upply the Funds to pay the
<br /> Fscrow Items.Lender may not chnrge Horrower for holding and upplying the Funds.annually analyzing the escrow account.or
<br /> verifying th�Escro�v Items.unless Lender pays Borrower interest on the Fu�xis and applicable law permits I.endar to make such
<br /> a charge. Aawever, I.ender ma�require Horrower to pay a une-dme charge far an independent nal estate tax reporting service
<br /> used by Lender in connection with this loan, unless applicable law pravldes atherwise. Unle.vs an agrament is made or
<br /> applicable luw requlres intemst to be paid,C.ender shall not be required to pay Borrower uny interest or earnings on the Funde.
<br /> Borrower and Lender may ugree in writing. however, that interest shall ba paid on the Fwids. Lender sl�all give to Boaower,
<br /> without charge, an annual accounting of the Funds, showing crediGS and deblts to the Funds and the pw�pose for which each
<br /> debit to the Fw�ds was cnade.The Funds are plodged as additional security for ell sums secured by thIs Security Instrument.
<br /> If the Funds held by Lender excoed the amounts permitted to be held by appllcable law. Lender shall account to Bonower
<br /> for the excess Funds in acaordance with the roquirements of applicable law. If the amount of the Punds held by Lencler at any
<br /> time is not sufficient to pay the Escrow Items when duc.Lender may�o notify Borrower tn writing,and,in such case Borrower
<br /> shatl pay to I.ender the ainount necessary to make up the defciency. Borrower shall make up the deficiency in no more than
<br /> twelve monthly payments.ut Lender's sole discretion.
<br /> Upon payment in full of all sums secured by this Securiry Instrument, Lender shall promptly refund to Borrower eny
<br /> Funds held by Lender.If. under paragraph 21,L.ender shall acquire or sell the Property,Lender,priar to the ncquisittun or sale
<br /> of the Property,�hall.apply any Funds txld by Lender at the time of acquisltIon or sale as a credit against the sums secured by
<br /> ' this Security Insqument.
<br /> 3.Applkatton of Payments.Untess applicable law provides otherwise.all p3yments rxalvod by Lender under paragraphs
<br /> 1.and 2 shall be applied: first,to any pnpayment charges due under the Note; second,to amounts payable under paragraph 2;
<br /> tt�ird,to intcrest due;fourth,ta principal due:and tast,to any late charges due under the Note.
<br /> 4.Char�es; Lien9. Borrower shall pay nil tnxcs.asscssmonts,charges. fines nnd ImposiUons attrlbutable to the Property
<br /> which muy attain priority over thts Security Instiument, nnd leasehold payments or ground rents, If any. Borrower shall pay
<br /> ihese obligations in t6e manaer provided in paragraph 2,or if not paid in that manner,Bonower shall pay them on time ditectly
<br /> ta the person owai payment.Borrowcr shall promptly furnish to Lcnder ull notices vf amounts to be paid undtr this paragraph.
<br /> If Bnrrower mukes these payments direcdy,Borrower shall promptly furnish to L,ender receipts evidencing the payments.
<br /> Borrower shall pmmptly discharge any licn which has pnority over this Securiry Insttvment unless Borrower: (a)agre�s in
<br />� writing to the payment of the obligatl�n sacured by the lien in a manner acceptable to Lender; (b)contests in good faith the tlen
<br />� by, or defends against enforcement of the lien in, legal procaedings which in the Lender's opinian operate to prevent the
<br />, enforcement of tl�e lien;or(c)secures from the holder of the Iten an agrecment satisfactory to Lender subordinating the iien ro
<br /> th[s Security Instrwnent. If Lender determinrs thnt uny part of the PropeRy is subject to a lien which may attain priority over
<br />• this Security Instnunent, Lender may bive Borrower a notice identifying the lien. Hvrrower sha51 satisfy the lien or take one or
<br /> . more of the uctions set forth above within 10 days of the giving of notice. . .
<br /> Form 3028 9lg0
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