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<br /> TOG�TH�R WITH�dl thc iu�pruvrments now on c�rcuRe�errcted on thc prciprrry.�mJ�i I ru.rmrnt+. .ippur�cn�mrcti, anJ
<br /> fixtures now on c�rcaftcr u pnn of thc pruperty. A.II replticements und udJitiuns .hiill ul�s� hr ruvcnd hy U►iti Sccurity
<br /> Instrument. All of the fiiregoing is rcFern�l to in this Sccuriry Imtrumcnt�is thc"Pruperty."
<br /> BORROWER COVENANTS that Horrowcr i�lawfully ,cl.ci9 nf Ihc c.��UC hcrcby convcycJ nnd hu,Ihc ri�ht tu�[raut und
<br /> convey the Propeny and that the 1'ropeny is unencumlxr�Yl, except for encumhrances of recurd. f3�irr��wer w,irrcmts uixi will
<br /> defc�xi gcnerally the titic to the Pmpeny against all cliiinn aiYd demands,auMjcct to uny cncumbrunrcr uf rcrurd.
<br /> THIS SECURiTY INSTRUMENT rnmbincs unifiirm cuvenunts tiie nutiunal usc u�xi nun-uniturm covrnant+with limitcd
<br /> variutiom by juriuiiction to constitute u unifonn security inst�unxnt rnvering real pmpeny.
<br /> UNIFORM COV�NANTS.Borrower und I.ender covenant and ugrce as follows:
<br /> 1. Paymeat ot Princlps►I and Interest; Prepayment and l.ate Chargts. Borcower shall prumptly p:iy when duc the
<br /> principal of and interest an thc dcbt ovldencai by the Note and;ury pmpaymen�ui�d late charges due mxier the Note.
<br /> 2. Funds [or TAac�and Insurxnee. Subject to upplicable I:�w ar ta a written w:uv�r by Lender. Borrower shall pay to
<br /> Lerxier on the day monthly payments am due under thc Note. until the Note is paid in full,•r sum("Funds")for:(u1 ycarly tuxes
<br /> and assessments which may uttain priority over this Security Instrument as a lien on the Propetty:lb)yeatly Ieasehald payments
<br /> or ground mnu on the Praperty,if any;(c)yearly hazard or property insurance pmmiums:(d)yearly tload insuruncc premiums,
<br /> if any: (e)yr.lrly mongage insurance pmmiums, if any;und (�any sums payable by Borrower to Lender, in acrordance with
<br /> the provision�of paragraph 8. in lieu af the payment of mortgage insurance premiums.Thcse itemti are callal"Escrow Items."
<br /> Lender may. at any time, collect and hold Funds in an um�unt not to ezceod the maalmum amaunt u lender for u federnlly
<br /> reluted mortgage loan may require for Borrower's escraw nccuunt wxler the federal Rea! Estate Settlement Pracodures Act of
<br /> 1974 as amended from time to timc. 12 U.S.C. Section 2601 et seq. ("RESPA"),unless unather I�w that upplies to the Funds
<br /> sets A lesser amount.If so, [.ender may, at any time, wllect und hold Funds in an amount not to excezd the Iesser amount.
<br /> i.ende�may estimatc the amount of Funds due on the basis of current data pnd reasonable estimates of expenditures of future
<br /> Escrow Items or otherwise in accordunce with appliwble law.
<br /> The Funds shall be held in an insatution whose deposits aze Insured by a fedec�al agency. lnstrumentality, or entiry
<br /> (in�luding I.ender. if Lender is such an institution)or in any Federal Home Loan Bank.L,ender shall apply the Funds to pay the
<br /> Escrow Items. Lender�nuy not charge Bonower far holding and applying the Funds,unnually analyzing the escrow accoun�.or
<br /> verifying the Escrow Items,unless[.ender pays Rorro�ver interest on the Funds and applicable law permiu L.ender to make such
<br /> �('�AjOOP_ ]{QWNyI!T, L�r�ler m�y require�trew�r i�ps;3^«C-!!S!!E t�23laC fUf«S!!:"��:s:l�m rrs!a°.tsi�tax s��oriing�r.�ict -
<br /> used by Lender in connecdon with this loan, unless applicable law provides otherwtse. Unless un agreement is made or
<br /> appticable law requurs interest to be paid, Lender shall not be required to pay Borrower any interest or eamings on the Nunds.
<br /> Borrower and Lende�moy agra in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower,
<br /> without charge.an annunl accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debil ta thc Funds was made. The Funds are pledged us additional security for all sums securod by this Security Inswment.
<br /> IB the Funds held by Lender excced the amounts permitted to be held by epplicubte Iaw.L.ender shall account to Borrower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the umount of tt�e Funds held by Lender at any
<br /> time is not sufficient to pay the Escrow Items when due.I.ender may so notify Borrower in writing,and.in such case Borrower
<br /> shall pay to I.ender the amaunt necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
<br /> twelve monthly payments.at[.ender's sole discretion.
<br />_ Upon payment in full of all sums secured by this Security Instnunent, Lender shall prompdy refund to Bormwer any
<br /> Funds beld by Lender.If,under paragraph 21,I.ender shall acquire or sell the Property,l.ender.prior to the acquisition or sale
<br /> of the Property.shali apgly any Funcls held by Lcnder at the tlme of aoquisition or sale a5 a crcdit against the sums securod by
<br /> this Securiry Instrumcnt.
<br /> 3.Applicatbn ot 1'yryments. Unless applicable luw provides otherwise.�ll payments received by Lender under paragnphs
<br /> 1 and 1 shall be applled: firsc, co�ny pmpuyment charges due under the Note: second..co amounts payable under paragraph 2;
<br /> third,to intcrest duc;fourth,co principal due;and last, to sny late char�es due under the Note.
<br /> 4.Clwrges; Liem. Bomower shall pay �1!taxes, assessments.charges. fines and imposttions anributable to the Property
<br /> which may attain prior�ty over this Security Instrument,and leasehold payments or ground rents, if any. Rorrower shall pay
<br /> ' these obligatIons in the minner pmvided[n psragraph 2.or if not paid tn tMat manner.Bnrrower shaq pay them on ttme dirocdy
<br /> to the person owed payment. Bonower shall promptly fumish to Lencler ail notices of amounts to be paid under this paragtaph.
<br /> , If Bc�rrower makes these payments dirertly.Borrower shall promptly fumish to Lender rooeipts evidencing the payments.
<br /> Borrower shall prompdy discharge any lien which has priority over this Socurity Instrumertt unless Borrower:(a)agrees in
<br /> writing to the payment of the obligation secured by the lien in a manner acaptable to Lender:(b)contests in good faith the lien
<br /> by, or defends agaiast enforc:ement of the lien in. legel proccedings whi¢h in the Lender's opinion operate to prtvent the
<br /> enforcement of ttie lieh;or(c)secures fmm the holder of the licn an agrecment satisfactory to Lender subordinating ttxs llen to
<br /> . this Secuciry Instrument. If Lendcr determines that any part of the Property is subject to a lien which may nttain prioriry over
<br /> this Security[nstrument, Lender nmy give Borrower a notice identifying the lieu.Borrower shall satisfy the lien or take one or
<br /> morc of the actions set forth atrove within 10�'ays of thc giving ot'notice.
<br /> ` Fam 3028 9fD0
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