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<br /> TOfl�THER W1TH nll th�impmvements now or hereafter etected an the pmperty.and ull e�em n ,appuKenanoes,and
<br /> tixtures rtow oe hsrc:uftcr a pan af the property. All rcplacements and udditionc shall niso be covered by tl�f� Sauriry
<br /> Instrument.Ali af thc fi�regoinp iA refcrccd tu in this Sc�uriry Instrumcnt ns thc"Property."
<br /> BORROWBR Ct)VBNANTS that 8ottower ia tawfully r�elscd of tho ertute hereby conveycd nnd hnx the dgiu to gr�nt and
<br /> Ga�ivcy the Propcny nnd tliat the Frnpc+ty is unencumbcrcJ.cxccpt for encumbrances of rcrnrd. H��ir��wer wurrunts und wiil
<br /> dcPend ucnemlly the titic ta the Pmperiy aRuin.gt i�l1 cluims u�td demands,AubJcct tn uny encumbrmucs of rccurrf.
<br /> '�HIS S�CURITY INSTRUM�iNT combincs unifi�rm c�svenuntx for naliunnl uhe und non-unifnrm rnvenantr; with limit�vl -
<br /> vc�r�nti�ms E►y jurisJictiut►to curitidtute a wiiPin•n�r�ccm•lIy iu�t�u►►icr,t u�vering reaf�ruperty. �
<br /> UNIFOYtM COV�NANTS. Bnrn�wernnd l.cn�icrcavena�t and ugcce us fiitlowx:
<br /> 1. �yment ot Prin�ipal and Inten�tt �Fayment and 4ote Charqes. Dnrmwcr shnll pronzpily pny when duc the
<br /> p�incipaf af nnd intercxt un the debt evtdencod by the N�te and uny prcpaymcnt und late chargcw due under the Note.
<br /> 2. Fundv fur TAxeq and�surance.Subject t�applicnble luw nr to n w�itten wuiver by l.ender. Borrower shall pay to
<br /> Lender on the day monthty payments ure due undcr the Notc.until the Noee is paid in fuli.a sum("Funds")for:(u)yeurly tnxes
<br /> u�nl wsexsn�eut�wl►Ich mny uttatn prtority over this Sccurity instniment us a lien an the Property:(b)yearlY leasehold pnyments __
<br /> or ground rents on the Property.if any;(c)yearly haznrd or property insuranrx{sremiums;(d)yearly tlood insurence ptemlums.
<br /> if uny;(e)yearly mortgage insurance premlums. If uny; und(�any swns payabte by Borrower to[,ender, [n accordance wieh
<br /> the grovisions of pamgmph S,i�lieu of the puyment of mortgage insumnce premiums.These ttems ure cAlled"Escrow Items."
<br /> i.,ender mny. nt any time, oollect and hold Fundg in an amount nat to eaceed the mn�cimum emount a lender for a federaily
<br /> related mortgu�e loan may re�uire for Borrower's escrow eocount under the federsil Reul Estate Senlement Prooadures Act of
<br /> t9T4 us umended from time to tlme. 12 U.S.C. Section 2601 et seq. ("RESPA").unless another taw that applies to the Funds
<br /> seu a lesser amount. If so. Lender may.at any time,cotlect and hold Funds in an amount not tu exceed tite tesser amaunt. -
<br /> Lender may estlmate the umount of Funds due aan the basls of current dsitn and reasonable estimates of expe.nctitures of future
<br /> Fscrow Items or otherwisa in ucoordanoe with applicable Eaw.
<br /> The Funds shall be held in an insdtudon whose deposits sue insured by a federal agency, insuumentulity. or eu�ity
<br /> (including Lettder�if Lender is such an insdtudon)or in any Federa!Home Loan Bank•L.ender shall apply ths Furxis to pay the
<br /> Escmw Ite�ns.Lender may not charge Bonower for hotdiag and applytng the Fupds.annually analyzing the escrow aocouat,or
<br /> verifying the Fscrow Items.unless I.ender pays Borrower interest on the Fartds and applicable law permits Lender to malce such
<br /> a charge. However.Lender may require Borrower to pay a one-time charge for an independent real estate tax reporting service
<br /> used by L.ender in connertioa v�th this loan, unless npplicabie law provIdes otherwise. Unless an agrcemErei is made or
<br /> applicable law r+equires interest to be paid.I.ender shall not be required to pay Borrower any interest or eamings on the�nds.
<br /> ',; Borrower and Lender may agree ia writing.however.that interest shall be paid on the Funds.L.ender shall give to Botro��et.
<br /> without charge. an annuai eocounang of rhe�unds. SIIOWIA�C[Otliib�c�YiiS It'3�FUiti�i�i�iC giii�08£CII:�ts3�k�
<br /> de'bit.ro the Funds w&s mada.The Fund.4 are pledged as addidonal security for ali sums secured by this Security In.�2ruRyent.
<br /> If the Funds held by Gender exceed the amounts permitted co be held by applicabte law, l.ender shall a000urt�:8a�ar,m„wer
<br /> fus.iha excess•Funds in a000rdance wtth the requirements of applicable law. If the amonnt of the F�nds held by I.�GieCet,&t�ny•'
<br /> ' hline is nat si6�6cient to pay the Escrow Yteros when due.Lender may so nodfy Borrower in writing,and.in such c�sa�di'tow�
<br /> shsill pay to t.ender the amount neoessary w make up the deficlency.Borrower shell make up the deScieney in'no more'¢1h�Y1.:
<br /> hvqlve monthly payments,at L.ender's sole discretion. ��
<br /> Upon payment ia full of all swns secured by this Security Insuument. L,ender sliaU pmmptly refund to�otrower any
<br /> • Funds held by L.ender.If,under paregraph 21.L.end�t stuill ecquire or sell the Property.I.ender.prior to the acqu3stdon or sale
<br /> of the Propeity.shali apply any Funds held.by Lender at�th6 dme af a�Cquisidon or sate as a credit against the sums secured by
<br /> t�tis Security Insmiment. •:,•• . ,,.
<br /> +�'`,: •3.Apptication of Payme��9.Ualess app(icabte In`v pmvides qtherwrs�..altpay�aents received by Lernier uitder pareg►apt�s
<br /> . :1,�in��2 shtili be applied:t`�rs�,.to enY Pry�eYmeni ci�ar�w uuo un�ex�,ti►c 1+1e�:::sZC�n�,to amounts payahle tui3ee�.��2:
<br /> th�rd.to JmerresLdue;foncth,to principal;doe:�nd last,to any late rbarge�dtt�eYdde�',Phe Note. f,:': '; • :.
<br /> 4.Clatiy��s;�Liem.�orrower shaq'.pn�all texes.assessmems� chwges� fines and iiaposidons;attributable�f�t'the �?m�ie�J�'
<br /> , whlch may utttiin priority over this Securit3r�tisaument* and leasehold payments or ground ren�s,if�sy. I�arl�Qwer�sht�l��j�ay',
<br /> thtsa ob3igatioits In the mannea provided in'�uipgrap�t 2,ot if not paid in.that manner,Borrower sball`p�y th�n►�oA�i���Y
<br /> to the person owed paymant.Borrower shalt':protnptty Purnish to Lender all not�ces of arru+unts to laeip�d urit�qr lt�is paragraph.
<br /> If Bomower makes these paytnents directly.'BorruWCi shall prompdy furnish to I.ender receipts evlden�ing th��p�yments.
<br /> Bannwer shali pmmptiy discharg�any 1itu�:whi(cb'has prlor�ty over this�ecurity L�sbnmsn�unless Borrower: (a)agces in
<br /> wriang to the payment uf the obiigadan secur�d�by t11a��ien In a manner accepiable eo Lender;(b)comesta In good faith the lien
<br /> by, or defedda u,ga�nst enforcement of the Uen in. .Ie�i!.ptooesdings which in the Lender's opinion aperate•.4o prevent the
<br /> enforcement of We Ifen;or(e)secures from the holder p�the Ilen an agreement satisfactory to I�ender suborditu�tiqg the lien to
<br /> this Securiry Insttument.If I.ender determ9nes thet anv'patt of the Property is subject to a lien which may attajn°prioriry over
<br /> this Serurity Ia;strument,I.ender may give Borrower a notIce identifying the lien.Borrower shall sadsfy the lieu or take onz or
<br /> mora of the actions set forth above within 1�days of the�ving of notice.
<br /> G+otm 8028 9lg0
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