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<br /> TU(3bTHBR WITH all the impmvemenu naw or hereufter erected on the pmperty, and All r.�en�nts,c p�p�rt�c�ia��d
<br /> fixtuces �w ae hema4tea� u pnrt af the propeny. Alt rc�pl¢cementa �n� additions shull ulso be covered by thiw Security
<br /> �nstrumcnt,All af thc foregafng is refen+ad to in this Securlty instrumant tts the"Property."
<br /> BORROWER COVENANTS th¢t Bamo�ver 3s IawfLlly seised af the estute hereby conveyed and has thc rfght to�runt nnd
<br /> convey the Propeny and that the Property is uneTMCUmbersd,except for encumbrances of recard. Barro�ver�vnrr�nts und will
<br /> defend genemlly the title to the Property against�I!cluims and drmanda,subJcxt to uny encumbrwues of rccord.
<br /> TH1S SECURiTY INSTRUMENT cc�mbines unifonn covennnts for nationat usc arid non-unifamt cavenantti with fimited
<br /> vaclatlons by jurIsdictlon to constitutc a qnlfami sccurity instnuncnt covcring rcat property. �•
<br /> UNIFORM COVBNANTS.&►rro�v�r and I.ender rnvenant and ngree as foliows:
<br /> l. Payment ot Prtnctpal and Interost; 1�pAyment attd f.ate Charges. Horrower shali pmmptly pay when due the
<br /> pdncipal of nnd intenst on the debt evfden�d by tho Nate nnd any prepayment und lnte charges due under the Nate.
<br /> 2.Funds[ur Toxes and insnrance.SubJect ta upplic�blcs law or to u wrjtten wuiver by I.ender. Born��ver shnll pay to
<br /> Lender on tAe�y monthly payments are due under the Nate.until the Note is paid in full.a sum("Funds")for:(u)ycnrly ttiaes
<br /> end assessments which may attain prlorlty over this Securiry tastnannwut as a Ilen on the Property;(b)yearly leasehald payments
<br /> or ground renis on the Property.if nny;(c)yeatly hazard or pmpertgr insurance premiums;(d)yearly flood insurance premiums,
<br /> eG any;(e)yearly mortgage insurance premiums.if any;and(�any sums payrabCe b�y Borrower to Lender.in uccordance with
<br /> cixe praves�ons of paragrnph 8. in lieu of the payment of mortga,ge t�suractce�nea�eiurTrs.These itams are culled "Escrow[tems."
<br /> fl.end�r cnmy, at any time, collect and ttvld IFunds in aa amou�s noe co exoead tRe 4na�ecmum a,mount a lend�r for n fedexally
<br /> relaEed¢reongar,�c loan muy require for l�o�nrwer's escmw account uurder the fedemi Real Es4ace Settlemant Procedures Ace of
<br /> 1474 as ae2vended from tl�ne to tim�. 12 91.�.C.Sc�etia�rn 2�bQ11 er seq. t'RFSPA").unless another law that appltes to the 1Fcurods
<br /> ss�ts a tess�r cunount.If so, Lemler wiy. ne tu� �nme. coifec.�t�id huld Fwxis im a� mnaunt not to eacx�ed tPr.e te�ser amaunt. �
<br /> 1Len�Eer�y estimate the amowtt of Fwids due on tha masis of cwrent data and¢easoanble estimates of ex�dit�ares of fi�t�cn
<br /> 6�sro�v IIe�ms or othenvise in aocoidartce wlth applicable law.
<br /> Thz Fuands shaU be held in an insdtudon wdose degosiYS a►� insur�d by a federat agency. insaumentality, or enaeey
<br /> (iaicludin�I.etcder.if Lender Is such an institudon)or in any Federal Flome Loan Bank.Lender shal!apply the Funds w p�y the
<br /> Escrow Items. Lender may rtot charge 8orrower for holding and applying the Funds. aanuaUy analyzins the eserow aocount.or
<br /> verifying the Escrow Items,unless Lender pays Borrower interest ou the Fuads atad applicable law pem�its Lender ta make auch
<br /> a charge. However, L,ender may require Borrawer to pay a on�-time�harge for an indepcndeAt teal estate tax neporting seMce
<br /> ased 6y L.ender In wnnec:tion with thns•(oan, unless appHcable law provIdes othenvise. Umless an agreement is ma+de or
<br /> applicabte law requires interest t4 be paqak,l,,ender shall not be required to pay Borrower any iaterest or eamings on the Funds.
<br /> Bomower and Lsnd�er may agree in writt�g..lhowever,ahat intcrest shall be paid on the Funds. Lender shall give to Borrower,
<br /> • �out�argc.ass aaasra! ac�uadag af thc �:u�.a a:,�ug cr�diis aad 8ds�ta ihc�unds and tt��upasc tar wlsicii r�h -
<br /> '; ,�7el�it w the Funds was made.The Fuads are pledgec'd�.m.'�itioaal sece�riry far all sums secured by this Security Instn►ment.
<br /> If Wa F�atds held by Lender excead the amounts�$�rmitted so�held by applicable law.L.eader shall acoount w Bono�,vet
<br /> for the exe�as lFunds in accordance with the raquirements af applic,�bie�law.If the amount of the Funds heid by Lender a4 m���
<br /> �tItae is not stas'J�ic:iem W pay the Escrow Items when due.Lender may�so notify Borrower in writing, snd.in such case Borr��va6.. �',:.;`.:.
<br /> a to'�4.etider"the�oUnt n to make u thc deficien Borrower skaQl make u t6a deficien �o n�more tl�a�i' '������' '-
<br /> :�'5�11 P Y ecessetl' P �7'• P �Y � • -=
<br /> �� ttYelve monthl'y paymaAU� ut i;emder's sole discm.tlon. '" � ' ��.-
<br /> ' Upom•paytjient in fiiDt•of all suans•sCCUred by this SecurIty Insmnnent. Lender shall prpmpely refund to Bomower any
<br /> �•,�Funds held.by Lrnder.If,under pardg�ph.a 1,I.cnder shaU aoquire or sell the Property,I.eader,prior w We acquisiaon or sale
<br /> � - of the Pmpercy,s6a11 app�.y any Funds'hcld by Y.ender at the ame of acquisiaon or sate as s cr�dit against ttue suras sa;ured by
<br /> ' �'• th3's Ses�tt�ity Instniment: � • ,
<br /> •� � 3.A�IkaBo�o!• y.ments.Unless appUcable�i�ov q�frovides othervvlse.all payments received by Lender under paragrapbs
<br /> 1 and 2 shai!t�«�lia:• a.ta aaY G�'.tPaYmem cRt�ges dut�:?l��I:at;.:a,:ar�,to ma::�sts�niyable an�e,�,ma�.—y.:.2:
<br /> third.to interest due;fourth,w pria�i��ue;and last.W eny lat�:c6nr.'agxs due under the Note. ,
<br /> 4.C6uges;E.iens.Bormwer slialIl puy a!1 taxes, �meilCS.:���eges.Ciaes and impositions attributable w We Propariy
<br /> which may attain priority over this SeCUr3ty Inshvime�n�and leasa�libli�.payments or ground rents. if any. Bormv�rer shall pay ,`•�'-
<br /> thsse obligations In the mam�er pmvided in�aragraph 2,or if nos•�Aiab+n t�a r�a�l�n�er,Borrower sdall pay them on time direcdy "���-'`
<br /> to the persan owed psyment.Bflrrowe,�aha►1 promptly funiish tp II�.aer"�1 aioriabs��F amounts to be p�d under this para�raph. -
<br />. If Boirowar malces these payments d�rccal;v::Horrower shall pmtqptly��t��3�i�,.qa�d.end'er recelpts evldencing the payments.
<br /> . Borrower ahall prompUy discdar�e:tr•�y lien which has prior�ty a�v�c�pUns'�e�eifl�fy Instiument unless Borrower: (s)agra,s in
<br />_ :.evrHng to the paymeat of the obltgatian Fecured by the liea ia u m�uunc'c AC�a�+:s�a Lender;(b)contesss in gab�,faith the tien
<br />° ' b�r, or defends against enforoement of the lien in. legal proceecUr��s wtiich�'im�e�tre Lender's opinion oper�i�.a�,prevent the _
<br /> eaforoement of the iien;or(c)secures from the holder of the lien an�tgreement saHsfactory to I.ender subordinaiing the lien w
<br /> this 3ecuxity Insuument.If Lender de2ermInes that any part of the 4°r�perty is subjcct w a lien wluch may attain priority Fev.Ar,
<br />- this Security Insmiment.I.ender�nay give Borrower a nopce tdendfying the lien.Borrower shall satisFy the lien or take oia�,�pS:
<br /> more of the actions set forth above cvithin!0 days of the giving of notice. �
<br /> Form 3028 8l80 --
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