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<br /> •-�{' TUC3ETH6R W1TH ull the impravements:�ow ar hercafter erected on thc propcny.and all casements, uppurtcnunces,und
<br /> - fixtures naw or hereutter n part af the property. All replactments and udditions shull ulso be covered by this Security
<br /> Instrumcnt.All of thc fi�rc�;oing is rcfencd to in this Securicy Inytruma:n�ns the"Property,' __
<br />-�� BORROWER COVENANTS thut Battower is lawfully seiscd of the estatc hereby conveye�und hu+the nght to grunt and
<br />-.__:=� canvey thc Pruperty und that the ProFerty is unencumbered, except for encumbrunces of record. Borrower wurrants and will —
<br /> defend generully the title to the Property against ull claims und demands,�ubject to uny encumbrances of record.
<br />- THIS SECURITY INSTRUMENT combines untform covennnts for national use and non-uniform cavcnants with limited
<br />`���, , variations by jurisdiction to constitute a uniform security instnrment cavering reul property.
<br /> ,,_�� UNIFORM C;OVENANTS. Borrower and Lendcr covenunt und agrce as failows: _
<br />:.--��;�� 1. Aayment of Pctnc[pul and Interesq Prepayment und Late Cbarges. Borrower shall prompdy pay when duc thc
<br />�_:�`� principal of and interest on the debt evidenced by thc Note and any prepayment and iate churses duc under the Note.
<br /> - 2. Funtls for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Bonower shall pay to
<br />��'�"� Lender on the day mnnthly paymen[s arc due under thc Note,until the Note is paid in full,a sum("Funds") for: (a)yearly taxes
<br />,y��� and assessments which may attain priodry over this Security Instrument as a lien on the Property; (b)yearly leasehold payments i
<br />;t., or ground renu on the Property. if any;(c)yearly hazard or property insurance premiums:(d)yearly tlood insurance premiums,
<br />-:�::� iF r►ny; (e)yearly mortgage lnsurance premiums, if any: mtd (� any sums paysble by Borrower to l.ender, in accordance witl► _
<br />'-`�'-- the provisions of paragraph 8, in lieu of the payment of mortgagc insu�ance przmiums. Thcse items are called"Escrow Items."
<br />��'�� Lender may. at any time, coltect und hold Funds in an amount not to excecd the maximum amount a lender for a federally
<br />--°--= related mortgage loam m�y require for Horrower's escrow account under the federal Reul Estate Settlement Procedures Act of
<br />="g.�i 1974 as amended from time ro time, 12 U.S.C. Section 2601 et seq.('RESPA").unless another law that applies to the Funds
<br /> � sets a lesser nmount. If so. I.ender may. at any time, collect and haM Funds in an amount not to exceed the lesser amount.
<br />==°=== Lender may esumate the amount of Funds due on the basis of current data and reasonablc estimates of expenditures of futurs
<br /> Escruw Items or otherwise in accordance with applicable law.
<br /> The Funds shull be hcld in an institution whose deposits are insured by a federal agency, instrumentality, ar entity _
<br />------ (including Lender,if L.ender is such an institution)or in uny Federal Norne Loan Bank. Lender shall apply the Funds to pay the
<br /> Escrow Items.Lender may not charge Bonower for holding and applying the Funds,annually analyzing the escrow account,or
<br /> - verifying the Eiscrow items,uniess ixncicr puys Burro:��r inicr:.st ors�� I�unds and ep�lirahle law permits Lender ta make such
<br /> a charge. However, Lender may require Aorrower to pay a one-time charge for an independent real estnte tex rzporting service.
<br /> used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or
<br /> " applicuble law requires interest to be paid,I.ender shall not be required to pny Bonawer any interest or earnings on the Funds.
<br /> Barrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower,
<br /> without churge, an annusl accou�ting of the Funds,shown�g credits and debits to the Funds nnd the purpose for which euch
<br /> debit to the Funds wns ma@e.The Funds are pledged us additional security for all sums secureci by this Security Instrumcnt.
<br /> --= If the Funds held by Lender exceed the xmounts permitted to be held by applicuble law,L.ender shall account to Borrower
<br /> for the excess Funds in accordance with the requtrements of applica6le law. If the amount of the Funds held by Lender at any
<br /> time is not suf�cient to pay the Bscrow Items when due.Lender may sa notify Bonower in writing,and,in such case Bonower
<br /> � — shall pay to Lender the umount necessary to make up the deficiency.Bortower shall make up the deficiency in no more than
<br /> twelve monthly payments.at Lender's sole discretion.
<br /> Upon paymcnt in full of all sums secured by this Security Instrument, l.ender shall promptly refund to Bonower any
<br /> Funds held by L.ender.If.under paragraph 21, L.ender shnll acquire or sell the Property,Lender, prior to the acquisition or sale
<br /> , of the Properry.shull apply any Funds held by Lender at the time of acquisition or sale as a crodit against the sums secured by
<br /> this Security Instrument.
<br /> — 3.Applic�tion of Payments. Unless applicable law providcs otherwise.all payments received by Lender under paragraphs
<br /> ��� 1 and 2 shall be applied: first. to any prepayment charges due under the Note; second,to amounts payable under paragraph 2;
<br /> chird.to interest due;fourth,to principal due;and last,to any late charges duc under the Note.
<br /> 4.Charges;Liens. Borrower shall puy all taxes.ussessments,charges, fines and impositions anributable to the Property
<br /> which may uttain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay
<br /> these obligations in the manner provided in paragraph 2,or if not paid in that manner. Bc�rrower shall pay them on time directly
<br /> - to the person owed payment. Borrower shall promptly furnish to Lender all notires of amounts to be paid undcr this paragraph.
<br /> _� —° If Borrower makes thesc payments direcdy,Barrower shall promptly furnish ro Lender receipts evidencins the payments.
<br /> Boaower shall promptly dischatge any lien which has prtority cver this Security Instrument unless Bottower: (a)agrees in
<br /> �----,---- writing to the payment of the obligation secured by the lien in a manner acceptable to I.ender.(b)contests in goad faith the lien
<br /> �°,;;��j by, or defends agalnst eniorcement of the lien in, tegal proceedings which in the Lender's opinion operate to prevent the
<br />=_'-�='�� enforcement of the lien; or(c) secures from the holder of the lien an agrcement satisfactory to Lender subordinating the lien to
<br /> '�`"�=:-- this Security Instrument. If Lender determi�x�that any part of the Property is subject ro a lien which may attain priority over
<br /> T!�����' this Security Instniment, Lcnder may�ive Bonowcr a notice identifying thc lien.Borrower shall satisfy the lien or take onr or
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<br /> �;e.•:. more of the actions set forth above within 10 days of the giving of notice.
<br /> '.�"'� Form 3028 9190
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