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<br /> --- ��-. �10�35 :
<br /> - TO(3ETHP.R W1TH all the improvernents now or hereaftcr ercetcd on the property, und all ca ents, ppunenanccs,and
<br /> fixtures now or itereaRer a part of the property. All replacements and additions shall nlso be cavered by this Security ;F
<br /> Instrument.AU of thc foregoing is referred to in this Sccurity Instrumcnt as the"Properry." ;
<br /> � BORROWER COVENANTS that Bonower is lawfully scised of the estate hereby conveyed and has the right to grant and
<br /> convey ttie Property and that tlie Propercy is unencumbered, except for encumbrunces of record. Borrower warrants and will i
<br /> .,,�.,�� defend generally the tide to the Property agatnst all claims und demands, subject to anY encumbranees of rec�rd. !
<br />`z� THIS SHCURITY INSTRUMENT combines uniform covenants for nationul usc nnd non-uniform covenants with limited
<br />�9� variatiuns by jurisdiction to constitute a uniform security instrument covzrino real propertY• —
<br /> --- UNIPORM COVENAN7 S.Borrower and I.ender covennnt and agree as follows:
<br />_-_ = 1. Payment of Principa! end Interest; Prepayment and Late Chs�rges. Borrower shall promptly puy wticn duc the
<br />---� principal of nnd interest on the debt evidenced by the Note and any prepayment and late chargcs due under the Note.
<br /> -�-� 2. �nds for Tuxes and Insurance. Subject to applicable law or ta a written waiver by Lendcr, Bonowcr s earl`pa�teo
<br /> --- L.cnder on the day monthly payrnenGS nre due under the Note, until the Note is paid in fuU,a sum("Funds")for: (u)y y ,
<br /> — and essessments which may attain prioriry over this Security Instn�ment as n lien on the Property;(b)yearly leasehatd payments
<br /> ---� or ground rents on the Propeny.if any:(c)Year1Y hazard or property insurw�ce premiums; (d)yearly flood insurance premiums,
<br /> if any; (e)yearly mortgage insurance premiums, if any; and (� uny sums payable by Borrower to Lender, in accordance with '
<br /> `=-"� the provisions of paragraph 8, in lieu of the payment of mortgage insurancc premiums.These items nre called"Escrow Items."
<br /> � � L.ender may, at any time. collect and hold Funds in an amount not to exceed the maximum amount a lender for a federully
<br /> ''`----'� related mortgage loan may require for Borrawer's escrow account undcr the federal Real Estate Settlement Procedui�es Act of
<br /> __,_;,,! 1974 as amended from time to time. 12 U.S.�. Section 2601 et seq. ("RESPA"), unless another law that npplies to the Funds
<br />--°° sets a lesser amount. If so,I.endcr rnay, at nny time, collect and hold Funds in an amount nat to exceed the Icsser amount. ;
<br /> -- Lender may estimate the amount of Funds due on the basis of current data and reasonable cstimates af expenditures of future
<br /> �'v�--- Escrow Items or othenvise in accordance with applicable law.
<br /> The Funds shall be held in an institution whose deposits ara insured by a federnl agency, inshumentality, or entiry
<br /> � (including Lcnder, if Lender is sucli an institution)or in uny Federal Homc I.oan Bank.I.endcr shall apply the Funds to pay the
<br /> Eserow Items. I.ender may not charge Borrower for hoiding and uppiyi�ig ihc Funds,a.�r.aally anal;z�n�the e.ecrow account,or
<br /> _ — vcrifying the Escrow items,unless Lender pays Borrower interest on the Funds und applicable law permits Lender to rnakc such
<br /> a charge. However, Lender may rcquirc Borrower to pay a one-timc charge for un independcnt real estate tax reporting se.rvice
<br /> used by Lender in connection with this loan, unless upplicabte IAw provides otherwise. Unless an agreement is made or
<br /> -- � applicable IAw requires intcrest to be paid,Lendcr shall not be rcquired to pay Aorrower any interest or eamings on the Funds.
<br /> �� 8orrowcr and Lendcr may agree in writing, however, that intere�t shall bc paid on the Funds. i.ender shull give to Borrower,
<br /> without charge, an annual accounting of the Funds, showing credits und debits to the Funds and the purpose for which ea►ch
<br /> debit to the Funds was made,The Funds are plcdged us udditional sccurity for al!sums sccured by this Security Instrumont.
<br /> if thc Funds hcld by Lcnder cxcecd thc amounts permitted to bc hcld by applicabtc law, Lender shull uccount to Borrower
<br /> far the excess Funds in accordance with the requiremenls of applicable luw. [f the amounr,of the Funds held by Lender ut any
<br /> --- timc is not sufficient to puy the Escrow Items when duc,Lendcr may so notify Borrower in writing,and,in such cusc Borrower i
<br /> shnll pay to Lender the amount nccessury to makc up the dcficicncy. Borrower shull muke up thc deficiency in no more than
<br /> F twclve monthly payments,at Lendcr's solc Jiscretian.
<br /> _ ' Upnn p:�yment in full of�11 sums secured by this Security Instrument, Lender shull promptly refund to Bonowcr any
<br /> M� Punds hcld by L.endcr.If, under paragraph 21, Lender shall acquire or sell the Property, L.ender, prior to the ucquisition or sale
<br /> of the Property, shall apply any Funds held by Lender ut the time of acquisition or sale as u creciit against the sums secured by
<br /> ` _ — this Sccuriry Instrumcnt.
<br /> � 3.Applicatton of Payments.Unless applicablc law provides otlicrwise,all paymcnts rcccived by Lendcr undcr parugraphs
<br /> 1 and 2 sliall be applied: first. to nny prepayment chnrges due under the Note; second, to nmounts payable under pariigraph 2;
<br /> -- third,ta interest due:fourth,to principul due:and last,to any late charges due under the Note.
<br /> -- 4. Churges; Llens. Borrower sliall pay all taxes, assessmcnts, charges, fines and impositions nttributablc to thc Property
<br />-�����-�� which may attuin priority over this Sccurity Instrument, and Icaschold payments or ground rents, if any. Borrower shall pay
<br />'��*ti� these obfigutions in the manncr provided in paragraph 2,or if no�paid in thnt manncr,Borrowcr shall pay them on time directly
<br />:�F;�`, to dic person owcd payment. Borrower shnll promptly fumish to Lender all notices of amuunts to be paid under this paragraph.
<br /> - If Borrower makes these payments directly,Borrower st�all promptly furnish to Lender receipts evidencing the payments.
<br /> • Borrower shull promptly discharge any lien whicli hati priority over this Security Instrument unless Borrower: (a)abrees in
<br /> writing to the puyment of the obligation secured by the lien in a manner acceptable to Leuder, (b)contests in good faith the lien
<br /> by, ar defends against enforcement of the licn in. Iegul proceedings which in the Lender's opinion operate to prevent the
<br /> enforccmcnt of the lien; or(c) sccures from thc holder of thc licn an agrccment satisfactory tu Lendcr subordinating the lien ro
<br /> this Securiry instrument. if i,ender dctcnnines that any purt��f the Propcny is subject to a licn which muy attain priurity over
<br /> this Sccurity instrununt, Lcndcr muy givc Borrowcr a noticc idcntifying thc licn. Borrowcr shall satisfy thc licn or take one or
<br /> morc of thc actions sct forth abovc within 10 days uf thc giving of noticc.
<br /> Form 3028 9190
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