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<br /> �'� � Ti0U81'HHR WITH a!! ihc improvcmcnts now or hercaftu crected on thc propsrty. and all e�scments,apPwwianc:es.and
<br />'.,�y. �;� .� Cu�wc�es now or hereaftcr a put of tha ProP�Y.All replacemcnts and addJtions shall al.�so be covered by this SecurIty Instrumen�
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<br />-�° All of ttre foregofng is rc[ured to In thL�Secudty Instntment as thc"Property."
<br /> .._�.�� , BQRROWSR COVBNANTS that Barowu is I�wfuAy seised of the estatc hereby convcycd and has tha rlght co grant anA
<br /> • canvoy the Property and that the Property is unencumbered,except for encumbrances of reca•�. Bormwer warrants and will --
<br /> _ defend gec�erally tho dtb w tho Prc�perty agaie►st ell claims and demsnt:s.,se:bject to eny eneumbrra�es of record. `
<br /> THIS SBCURITY INSTRUMENT combines unlform covenea�f�r nationffi usc and non-uniform covenants with llmited -
<br /> -��°'� vadationa by judsdlcHon w wnsdwte s unitorm secudty inswment coveric�g neal property.
<br /> �.., �.; UNlFORM COVENANTS.Bo�rawcr and Lendcr covenant and agca as fotsaws:
<br />• , 1.P�j�llll�O�Pi'WC1pAI Alld IGllilS�;PflPayGll�►�pd LAL!Cht��ea. Barrowu ahsJl prompfly pay when due thc �
<br /> prineiptl of and Interest on the debt evidenced by tho Note and any prepayment and late charga�d�e under tho Noto.
<br /> ���,�� ' 2.Fuads for Toxw and Iasnrxnca Subjxt w applicable law or w a written waivu l�r Lendcr,Beurower st�all pqy w `
<br />;'•�•>`��.: L,endcr on tha day monthlY PaYments arc duc under Ihe Notc.w�tU the Note Ls paid in full,a s�un(��F�nds"�far. f�Yearly taxes
<br /> ,':;`;``;:� and assessments which may at�n gdodry ovu this Securlty Instrument�s a lien on the Property;(b)Yearly]ot�ehold pa,yments
<br />: ;,', :;; or ground rents on the Praperty,if eny;(c}yexrly hamrd or propeity insurance premiuma;(d)yearly tlood Insurana premiuma,if
<br />•",�:�� any;(e)Yearly modgage insuranco premlums,�f any;aad(�any sums payable by Borrower w Lendu,in accordence wlth We
<br />""��`� ' provlsions of paragcaph 8, In Ileu of the payment of mortgage lnsurence premiums.Thes� Items ane cailed "Bscnow Items."
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<br />:.�=� L,ender maY.at any time.collect and hold Ftmds in an amount not to e�cceed the maximiun amoimt a lender for a federaUy nlated �_
<br /> ="�:� mortgage loan may roquire for Bocrower's eserow accaunt undu th�federal Real Estate Sealement Pincedures Act of 1974 as
<br />=��'� amendod from time to t3�ne, 12 U.5.C.Socti�oa Z601 tt seq. ("RIESPA"),unless another law tbat applies w the�nds sets a lesser
<br /> '�'''; . amount If so.I.ender may, ae any dme,collect and hold Funds in an amount not to excced thc lesser amount I.ender may -
<br /> �;='�� esdmata the emaunt of Fuads due oa the ba�i�of cwles,t da�i and ressonabk esdmatcs of expendiwns of fuwra F.scrow Items or
<br />:ia� otherwLse in accordance with appUcable law.
<br /> �.�'�: 'Ibe Funds ahall be held in an instIwdon whase deposlts are insured by a federal egency,instrumentaliqr.or endty(including
<br />_-;���
<br />_`_�w�� . L.endu,if i.ender is such an Insdtudon)or in any Federal Home Laan Baak. Lendu shall apply the Funds to pay the Pscrow
<br />:�-V3�-n�� Items.Lender may not chargo aorrower for holding and applyLig Ihe Funds,ennually enalyzing the escrow acco�nt,or verifylag
<br /> �� the Bscrow Itaus.unless Lender pays Borrower intuest on the Funds and applicable!aw pumits Lender to melce suah a charge.
<br /> -_= Howeva.Lenda may require Borrowu to pay a one-dme cherge for an Indcpet�dent real estate tax repnrting savlca usal by
<br /> _= L.ender In connecdon with this loan,unless applicabk law provides otherwise.Unkss en ag[ament is made or applicebk law
<br /> _- raqalres intuest W be paid,Lenda shali not bo requlrod to pey Borrowu any intenst or eaminga on the Fl�nds.Borrowa and
<br />--�- . Leaider may sgroe in wrltiag�howevu,that intuest shall be paid on the Funds.Lenda shall give w Borrower,a�thout chazge.an
<br /> ---- Aruwal aocoundag of tAe Funds,shawing credits and debits to tha F�nds and ihe purpose fa which each debit to the�unds was
<br /> made.The Fuads arc pkdgod a9 additio�nl soc�vity for all sums sxurcd by thls Seaulty lnstnuncn�
<br /> _� � If Wo l�unds held by Lenda axcoed the amounts pumiued to be held by applicable law.Lendtr shall�ccount to Bonowu for
<br /> �_ � the axcess Funds in accordance with the requinments of eppllcable law.If the amount of the Funds held by I.endrs at any dme is
<br /> _.._ nnt sr.f��ent t�psy�.hc E�row I�ms tvhen dnt�Lsader inay so no�fy Horrovrer In rn4dag.an@,ln sti�ch c�!wa Bon+nwet stt�!!gsy -
<br /> __:= to Leada the wnount necessazy w make up the de�cieacy. Borrowcr shall make up the deficiency in no more than twelve
<br /> monthlY P�Y��.at Lender's sob discnedon.
<br /> UP�P�Y�t in full of all sums aecured by this Securlty lnstrument,IRnder shall prompdy rafund b Harowa any Funds
<br /> held by E,enckr.If.undu paregraph 21,Lendu shall ncquirES a sell the Property,Lender.PrIor to the acquisidon or stk of the
<br /> Pcopaty,shall epply any Fnnds held by I.ender at the dme of acquisItion or sak as a credit agelnst che swns sxured by this —
<br /> Securlty Insaument
<br /> --— 3.AppBqtbn of Paymenb. Unkss applIcable Iaw provides otherwise.all paymertts reasived by Lender under p�ragranhs
<br /> �---- 1 and 2 sha11 1xi epplkd: fust,to eny prepaymetiE charges due under the Note;second,to amounts payabk under paragraph 2;
<br /> thjrd,w inte�est dua;fauth,W principa!due;and last,w eny late ct�erges due nnder the Note.
<br /> -- - 4.Clu�r�es;Lkns. Harowu at�a11 pay all taxes, a�sessments, charges�fines end imposition�attribuisbb in the propecty
<br />._.____ whkh may attain prlorIty over thLs SxurIty Instrument,and leasehold payme�tts or ground rents.if any.Bomower shatl pay these
<br /> --- obligsdons in t4a manna�providod In paragraph 2.or}f noc paid in that manner,Bomawu shall pay them on time dic�ectly w the
<br /> — puson awed peymtnt Bomowu ahall prompdy fumish to Lcnda all notices af amounts w be pafid under this paragraph. If
<br /> — Borrowu makes these payments diroctly,Borrower shall prompdy fum)sh to Lender receipts evidencing the pnyments.
<br /> _ ' Barowa shall gromplly discharge any lien wblch t�as priority over this Security Instrumcnt unless Borrower:(a)agre�s L�
<br /> :.;,�;� wridng to the payment of the obligatian socurod by tAe lien In a mannu acceptabie w Lenda;(b)contests in good falth the lien
<br /> --;yY� by. or defends against enforcement of the llen in,legal proceedings which in the Lendu's opinion operetc W prevent the
<br />_=r.�qF� enfoncement of the lien;or(c)secures fmm thc holder of the lier�an agreement satisfacwry tm Lender subordinaWg the lien to
<br /> �=`�� Ihis SecorIry Insst�uumenG If Lender determines that any part of the Pro
<br /> �;.�,�, perty is subject to a lion which may att�iln priority ovu this
<br />�..r;�;,� Security Instrument,Lerider may giva Boirower a nodce ideadfying thc lien.Horrower shaU sadsfy the llen or Wce one or more
<br /> -�l�.;� of the acdons set forth above wilhin 10 days of the giving of notice. __
<br />.�,y�.
<br /> Form 3078 olDO -
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