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<br /> TOOF7'H8R WITH uU tlu impmvcments now or hereufter erected an thc propeny,and all cusemcuts,uppurtcnwrecti,and
<br /> tixtures now nn c�reuftcr a part c�f the prop�:rey. All rcplaccments and ndditinns tihall cdsu he cnvcred by this Securiry
<br /> lu,trumcnt. AU uf�hc furcg��ing is rcfc�red tu in thi�5ccurity In�trumcnt c►�thc"Property."
<br /> kiQRROWER COVF.NAN7'S�hat lkrrmwcr is I:iwfully sciscd of thc estutc hcrcby convcycd and hus thc right to grunt nnd
<br /> cu�wey the Pro�x:ny un�! thut the Propeny i+unencumhereJ, except for encumbr.ince� nf recard. &�rrawer wurrunts and wii!
<br /> defe��f generully the tiUe ta the Prnpeny ng:dn:t all clalms und demunds,subject to uny encumbn►nces t►f recard.
<br /> THIS SECURITY INSTltUMBNT cc�mbines unifomi covcuunts iur nutionul usc und non•unitunn cuvcnunts with limitcd
<br /> vuriixdi+ns hy}urisdiction tu cimstitutc a unifi�rm securiry intiuumcnt covcring rcul prap�:rty.
<br /> UNIHUKM LuVHNANTS. Borcower aixl I.etnle�'cuvenunl u�i�l agr�c u+fulluu•a:
<br /> 1. Pwyment of Principal wnd Interr.ct; Pre{wyment and I.�te Charges. Barrowcr shull promptiy pay whcn due the
<br /> principal of'aixi interest on ttie debt ev idcnccd by the Note and any prepuyment und lute char�es due under the N�te.
<br /> 2. �ndg far Tnxtw And IasurAnce. Subjcct tu applicablc I:►w or to n writtcn wnivcr by I.endcr, �rrmvcr sltiaU pay to
<br /> I.endcr on the duy m�nthly payments ure duc undcr thc Notc,until thc Note i�paid in full,u sum("Funds")far. (a)yearly taxes
<br /> u�tid ussessments which muy attuin priority uvcr this Security Instrument as a Iien an the Property;(b)ycarly leasehold payments
<br /> or ground rents on the Propeny,if any:(c) ye:►rly Ir,uurd ur prupe��ty insurancc premiums:(d)ycady tic�i insurance premiums,
<br /> if any; (e)yearly mangage insurance pmmlums. if any: und(� any sums paynble by� Borrower ta l.ender,in accordance with
<br /> the provistons of parngrnph S, in lieu �f the payment af martgage insurnncc premiums.These items ure cullod "Escrow items."
<br /> l.ender may. nt any time,coller.t and hold Funds in an umaunt not to exceed the maximum umaunt u lendc;r for a federally
<br /> relat�l mortgage loan m:sy require far Borruwer's escrow uc�bunt under the federnl Real EstAte Settlement Procedur��s Act of
<br /> 1974 as amended from time tn time, l 2 U.S.C. Section 2601 er sry.("RBSPA"),unless another law thut upplies tu the Funds
<br /> sets n lesser amount. If so, l.ender may, ut any time, callect und hold Funds in an amount not to exceed the Iesser amount.
<br /> I.ender muy estimnte the umount of Funds duc on the basis of current dutu and reasonable cstimutcs of expenditures of future
<br /> Escmw Items or otherwise in accordance with appltcuble luw.
<br /> The Funds shall be held in on institution whose deposits are insured by a fcdcral agcncy. instrumentality. or entity
<br /> (including[.ender.if Lender is such un institutton)or in any Federal Home Loan Ba��lc.Lender shall apply tl�e Funds ro pay the
<br /> Escrow Items.I.ender may not churge Borcower for holding and applying the Funds,annunlly nnulyzing the escrow account,or
<br /> verifying the Escrow Items, unless L.ender pays Bonawer interest an the Funds sind upplicablc law�Sermits Lendcr to make such
<br /> a charge.However, Lender may require 13orrower to pay u one-time charge fnr nn independent renl estate taac reporting servIce
<br /> usal by Lender in cannection with ifiis toan. unless applicable law provldes othenvise. Unless an agrament is made or
<br /> applicable law requims interest to be paid. Lender shall not be required tu pay Borrowet any intcrest or eamings on the Funds.
<br /> Rorrower and I.ender may agree in writing.however,that interest shall bc paid on the Fwids. Lender shall give to Borrower.
<br /> without chargc, an annual accounting of the Funds. showing credits and debits to the Funds and the purpose for which cach
<br /> debit to the Funds was mude.The Fun�ls are ptedgod as udditionai security for e�l sums secured by cnis Securiiy i��ntru�z�i�i.
<br /> If the Funds held by L,ender exceed the umounts permttted to bc hcld by appUcable law.Lender shall aaount to Borrower
<br /> far the excess Funds in accordunce with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay the Escrow[tems when due.Lender muy so notify Borcower in writing.and. In such case Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Barrower shall make up the deficiency in no more thau�
<br /> twelve monthly payments,at i.ender's sole discretion.
<br /> Upon payment in full of ell sunu securad by this Secur�ty Instrument. I.ender shall prompdy refund to Borrower eny
<br /> Funds held by i.cnder.If,ui�der paragnph 21, Lender shall acquire or sell the Property,txndcr,prior to the acquisition or sale
<br /> of the Properry.shall apply any Funds held by Lender at thc time of acquisition or salo as a crcdit against the sums�ecu�+ed by
<br /> this Security Instrument.
<br /> 3.Applicotion of PAyrnents.Unlus applicable law pmvides otherwise.ull payments recelved by l.ender undcr paragr�phs
<br /> 1 ar►d 2 shall be applied:first, to any prcpayment charg�s due under the Note; second,to amounts payable under pu�qraph 2:
<br /> thind,to interesc due;foutth,to principal due;and last,to any late chuge.K due under the Note.
<br /> 4.Cha�L1eas.Borrower sh�ll pay sll texes,assessments,charges, fines end imposittons'attrlbutabie to the ProperRy
<br /> wh{ch may attain pdority ovcr this Security Instnunent. and leasehold payments or ground rents. If eny.Borrower shall pay
<br /> these obligations in the manner provided in paragraph 2.or if not paid in that manner. Borrower shall pay them on time dirxtly
<br /> ro thc person owal payment.Bortower shall promptly fumish to Lender ull notices of amounts to be paid under this parstgnph.
<br /> If Borrower malces these payments diiectly.Borruwer shall promptly furnish to Lender receipts evidencing the payments.
<br /> Barrower shull prnmptly discharge azry lien whtch has priority over this Securiry Instrument unkss Borrower: (a)agroes in
<br /> writing to the payment of the obligation securcd by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> by. or defends ogeinst enforcement of the litn in, legal proccedings whlch in the Lersder's opinion operate to prcvent the
<br /> enforcement of the lien;or(c)secures from the holder of the lien an agroement satisfactory to Lender subordinating the lirn to
<br /> this Security Insttiment.If Lender determines chat any part of the Property is subjec:t to a lien which may attain priority over
<br /> this Security lnstrument.Lender may give Borrower a notice identifying the lien.Borrower shal!s.ztisfy the lien or teke one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Form 302s i/�0
<br /> P.o.x o+e
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