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<br /> TOGETHER WlTH all the Improvernents now or hercafter erected on the property, and afl easemcnts, appurtenances,and
<br /> fixtures now or hereaEter a part of the property. All replacements and additions �hall also tx coverod by this Security
<br /> Instrument. A71 of the forcgoing is referred to in this Sacurity Instr�ment aa the'Propeny."
<br /> BOItROW�R COVBNANTS that Borrower is lawfully setsed of�he estace hereby canveyed und has the right ta gran[and
<br /> convey the Propeny and that the Property Is unencumbered, except for cncumbrnnces of record. Borrower warrants and will
<br /> defend generapy the title to the Property against all claims and demands,subjcet to su►y encumbrances of record.
<br /> THIS SECURITY INSTRUMENT comhines uniform covenants for national use and non•uniform covenants with limlted
<br /> variations by juri�liction to constitutc a uniform security instrumcnt covering real property. __
<br /> UNiFORM COV�NANTS.Bonower and Lender covenant and agra as foltaws:
<br /> l.. Pnyment ot Prinripal and Intercgt; PrepAyment And LAte Charges. Borrower�shall promptly pay when due the
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and late chxrges due under the Note.
<br /> 2. Funds[or Taxes and Insurnnce. Subjecc to appllcable law or to a written waiver by Len�ier, Borrower shall pAy to
<br /> l.ender on the day monthly payments arc due under the Note,until the Note is paid in full,a sum("Funds")for:(a)yearly taxrs
<br /> nnd assessments which may attain priority over this Security Instrument as a lien on the Property; (b)yeazly leasehold payments
<br /> or ground nnts on the Property,if any;(c)yearly hazard or property insucance premiums;(d)yearly flood insurance premiums,
<br /> If any; (e)yearly mortgege insurance premiums, if any; and (�any sums payable by Bonower to L.ander, in accordance with
<br /> the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called"Escrow ltems."
<br /> Lender m�y, at any time, colicet and hold Funds in an an�ount not co exceed the maximum amount a lender for a federally
<br /> relatal mortgage loan may nquire for Borrower's escrow account under the federal Real Bstate Settlement Proceduns Act of
<br /> 1974 as amended from time to time, 12 U.S.C. Section 2601 ct seq. ("RESPA"),unlcss another law that applles to the Funds
<br /> sets a leaser amount. If so, L.ender may, at any [ime, coliect and hold Funds in an amount not to exceed the lesser amount.
<br /> Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
<br /> Fscrow Itsms or otherwise in accordaace with appllcable law.
<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity
<br /> (including I.ender,if Lender is such an institution)or in any Federal Home Loan Bank. Lender shall apply the Funds ta pay the
<br /> Esccow Items.Lender may not chazge Bonower for holding and applying the Funds,annually analyzing the escrow account� or
<br /> verifying the Escrow Items,unless Lend�r pays Borrowar Intenst on the Funds and applicable law permits Lender to make such
<br />- a charge. Howevcr,Lendtr may require Bonower to pay a one•time charge for an independent real cstatc tax reporting servlce
<br /> usod by U:nder In connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or
<br /> applicable law requires interast to be paid,Lcnder shall not be requircd to pay Barrowex any intenst or earnings on the Funds.
<br /> Borrower and L.ender may agree in writing, however, thnt intcrest shall be paid on the Funda. L.ender shall give to Boaower,
<br /> without charge, an annual accouniing ui t1iG Fue,Gs, showfng cr�liss sr.�debiis to !h� F����f�and che purQou for which each
<br /> dsbit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Security Inssrument.
<br /> If the Funds held by Lender excad the amounts permlctc:d to be held by applicable law,Lender shall account to Borrower
<br /> for the excess Funds in accordance with tt,e requlrements of applicable law. If the amount of the Funds held by Lender at aay
<br /> time is not sufficient to pay the Escrow Items when due. Lender may so notify Borrower in writing,and,in such case Borrower
<br /> shall pay to I.eader the amount necessary to make up the deficiency. Bunower shall rnalce up the deficiency in no more than
<br /> twelve monthly payments,at L.ender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, I.ender shall promptly refund to Borrower any
<br /> Fimds hcld by L.tndcr.If.under paragraph 21,Lendcr shall acquin or sell the Property,Lender.prior to thc acquisition or sale
<br /> of the Propercy, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Secudty Instnrment.
<br /> 3.Appllcatiop ot�'wyments.Unless applicabla law provides otherwise,all payments reccived by Lend�r under paragraph�
<br /> 1 and 2 sh�ll be applied: first. to any prepayment chazges dus under the Note; second, to amounts payable under pazagraph 2;
<br /> third,to interest due; fourth,to principal due;and lest,to any late charges due under the Note.
<br /> A.Chargea;Lie�. Borrower shall pay all taxes, assessments, charges, fines and imposltions attributable to the Property
<br /> which may attain priodty over this Securlty Instrument, and leasehold payments or ground ronts, if any. Bormwer shall pay
<br /> these obligations i��rhe manner provided in puagrapli 2,or if not paid in that manner, Bonowcr shall pay them on time directly
<br /> to the person owed payment.Boaower shall promptly furnish to I.ender all notices of amounts to be paid under this p�graph.
<br /> If Borrower makes these payments directly,Boaower shall promptly furnish to Lender receipts evidencing the payments.
<br /> Bonower shell promptly discharge any lien which has priority over this Security Instrument unless Borrowcr: (a)agras in
<br /> writing to the paymens of the obligation sxured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal proce�dings which in the Lender's opinion operate to prevent the
<br /> enforcement uf the lien; or(c)secures from the holder of�he lien an agreement satisfactory to Lender subordinating the lien to
<br /> this Security Instrument. If Lender determines that any parc of the Property is subjcet [o a lien which may attain priority over
<br /> this Security instrur,unt, Lender may give Borrower a notice identifying th�lien. Bonower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Fam 3028/�,0 �
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