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<br /> 'COGETH�R W1TH all the improvcm�nts now o�n c�reuRer erected on the propcny, und ull cascmcnts,appurtenances,and
<br /> fixnires naw or hereAfter u purt of the property. All replacements and edditions shall also be covered by this Security
<br /> Instrunx.nt. All of►he foregoing iv rcferral ta in this Security Instrument as thc "f'rnperty."
<br /> BORROWLR COYBNANTS that 8arrowcr is lawfully sciscd nf thc eslatc hcreby c�nvcy��1 und hus thc right to grant and
<br /> convey the Propeny ancl that the Property is unencumb�rect. oxeept for encumbrunces oP reeord, Rorrnwer w►�rrunts and wUl
<br /> dcfcnd generally thc tille to the Property aguins2 nll claims and dcnu�ncls,subJcct to csiy encumbranccs nf rcmrd,
<br /> THIS SECURITY 1NSTRUMBNT combinec uniform c�venunts for nntional use aixl non-uniform covcnunts with limited
<br /> variations by ju�isdiction to conctitute �uniform�ecurity instrument a�vering real property,
<br /> UNIFORM COVLNANTS.6orrower und l.ender covenant arxl ugree as follows:
<br /> 1. Ywyment of Princip�l and Interest; Prep�ymrnt wnd I.�te Chwrgcw� &�rrower sl�all promptly pay when duc the
<br /> principal of and intercst on the debt evidencai by the Note and any prepayment and late charges due under the Nota
<br /> 2. h'untiv Por TAxe.r wnd In+ur�nce. Subjcct to upplicable law or to a v�rittcn waiver by I.ender, lic�rrower sliall pay to
<br /> L.ender on the day monthly peyincnts are due undcr thc Nata.UI1lII lI1C NO[C�5 PAI(I IIl ftlll,a sum("Funcis")for, (u)ycarly taxes
<br /> and assessnxnts which may attain priority ovcr this Security Injtrument as a Ifen on the Property;(b)yeurly leaschold payments
<br /> or gmunef rcnts on the Property. if any;(c)yearly ha�.ard or property insurance pretniums;(d) yeurly Flaxl insurance prcmiums,
<br /> if any: (e)yearly martgage insurance premiums, if ar��; und(fl uny sums payublc by Borrower to Lender, in accordance wlth
<br /> the provisions of paragraph S,in lieu of the payment of martgage insutunce premiums. These items are callal "Escrow Items."
<br /> L.endcr may, at any time., collect and hold Funds in an amount not to exceed the mar.imum nmount a lerxler for a federally
<br /> related mortgage loan may require for liorrower's escmw account under the faleral Real Estate Settlement Procalures Act of
<br /> 1974 as amended from sime to time, 12 U.S,C. Section 26(11 et seq. ("RESPA"), �cnless nn�ther law that applios to the Fwxls
<br /> sets a Iesser amot►nt. if so, Lender may, at any time, colloct and hold Funds in an amount not to exceed the lesser amount.
<br /> T,encier may estimatc thc amount of Funds duc on the basis of�urrent data and reasonabic estin�ates of expcnditures of futuro
<br /> Escrow Items or otherwise in accordance with applicablc law.
<br /> The Funds shall be held in an institution whose deposits are insural by a federal agency, instrum�nt�liry, or entity
<br /> (including Lender,if Lender is such an institution)or in nny Fcderal Home I.�an Aank, Lender shall apply the Funds to pay the
<br /> Escrow Items, Lender may not charge Horrower for holding and applying the Punds,annually analyxing the escrow account,or
<br /> verifying the Escrow Items,unless L.ender pays Borrower interast on thc Funds a�xl applicable law permits L.endcr ta mAke such
<br /> a charge. Howcver, I.tnder may rtquirc Borrower to pay a one-time charge f�i•en indcpcndent real astate tax reporting service
<br /> used by Lender in connection with this loan. unless applicable law provides otherwise. Unless an agrcement is made t,r
<br /> applicable law requires interest to be paid, Lender shall not bc required to pay Borrower any intetest or eamings an the Funds.
<br /> Borcawer and Lender may agree in writing,however, that interest uhal! tx paid on the Funds. Lender shall give to�orrower,
<br /> without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was mude.The Funds are pledged as additional secudty for all sums securod by this Security Instrument.
<br /> If the Funds held by Lender excad the emounts permittal to be held by applicuble Iaw, Lender si�ali nscoune co Borrower
<br /> for the excess Funds in accordance with the requirements of applicttblc law.If the amount of the Funds held by L,ender at any
<br /> time is not sufficient to pay the F.scrow[tems when due,Lender may so notify 8orrowcr in writing, anci, in such case Borrower
<br /> shell pa,y to Lender the amount necessary to make up the deficiency. Borrower shull make up the deficienc;y in no more tham
<br /> twelvc monthly payments, at l.ender's sole discretion. �
<br /> Upon payment in fi�ll of all sums sccured by this Security Instrument, Lender shall promptly refund to Borrower any
<br /> Funds held by L�cnder.If, under paragrapli 2l, Lend�r shall acquirc or sell the Propeny,Ltncler,prior t�the acquisition or sale
<br /> of the Prope:ny, shall epply any Funds held by I.ender at the time of acquisition or sale as a credit against the sums sxured by
<br /> this Security Inst�ument.
<br /> 3�Applic�tion o[Puym�enks.Unless applicable Inw provides otherwisc,all payments rxeived by L.cnder under paragmphs
<br /> 1 and 2 shall be appliod: t7rst, to any prepayment charges due under the Note; second, to amounts payable under pnragraph 2;
<br /> Ehird,to interest due;fourth,to prin:ipal due;and Isst,to any late charges due under the Note.
<br /> 4. Charges;Lie��s. Borcower shsll pay all taxes, assessments, charges, fines and impositions attributable to the Property
<br /> which may attain priority over this Security Instrument, and Icasehold payments or ground rents, if any. Boaower shall pay
<br /> these obligations in the manncr provided in paragruph 2,or if not paid in that manner,Borrower shall pay them o�i time directly
<br /> t�the person owed payment.Bortower shAll promptly furnish to Lender ali notices of amounts to be paid ur�der this puragraph.
<br /> If 13orrower makes these payments diroctly.Borrower shall promptly furnish to L,ender reccipts evidencing the payments.
<br /> Borrower shall promptly discharge any Iten which has priority over this Security Instrument unless Bormwer: (a)agrees in
<br /> writing to the paymont of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the lien
<br /> by, or ctcfcnds against enforccment of thc lien in, Iegul proccedings which in the i.endcr's opinion operate to prevent the
<br /> enforcement of the lien;or(c) secures from the holder of thc lien an ugreement satisfact�ry to T.ender subordinating thc lien to
<br /> this Security lnstrument. If Lender determines thut nny part of the Property is subject to a lien which may attain priarity over
<br /> this Security Instrumert, Lcnder may give Borrowcr a notice identifying the ticn. Borrower shall sutisfy tlie lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Fam 3026 8190
<br /> a�qn 2 0�9
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