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<br /> TOt;ETHBR W11'H all the Improvert►ents now or i►Kre�ftar erected on►he propeny,and c+ll wsements, appunenances,and
<br /> fixturcx naw or hereafter a p�rt of the property. All replacement9 uid addltions shall niso be coverod by thiR Securlty
<br /> Instrument,All of the foregoing ia referral to in tlds Security Instrumcnt as thc "Property."
<br /> BQRROWER COVC�NANTS that Borrower ic lawfully seiised of thc cstuto hercby convcycd and has the right fo grant u�d
<br /> convey thc Property and that the Praperty is wxncumberal, except for cncumbrances af rccard, I3orrower warrants and will
<br /> defend genernlly the title to the Property ugainst ull clafms aixl den�ands,subJcct to ur.y encumbrances of record.
<br /> THIS SECURITY�INSTRUMENT combines uniform cavenants for nation:�l use and na:�-unifonn covenants with limitai
<br /> variations by jurisdiction to constitute u uniforni sccurity instrument covering real prapertr.
<br /> UNIFORM COVENANTS,�rrower ar►d L.ender covenant eixl ugree a:+fullows:
<br /> 1. Payment ot Princlpol�nd Intet+est; Pnp�yment �nd I.ate Ciuirges. Borrowcr s�all prornptly pay when due the
<br /> principal of and interest on the dcbt evidencal by the Note and uny prcpayment and late chargcs due under the Noie.
<br /> 2. Fun�is for TaxeA wnd Insurs�nca 5ubject to applicable law or ta a written woiver by Lender. Borrower shall pay to
<br /> [.ender on thc day monthiy paymcnts are duo under the Note,until the Notc is paid in full, u sum("Funds') for: (a)yearly taxes
<br /> and assessments which may attain priority over this 3ecurity Instrument a.s a I�en on the Property; (b)yearly leasehold paym�nts
<br /> or ground rents on the Property,if ariy;(c)yearly ha�rd or property insurance premiums; (d)yearly tlood insurance pcemiums,
<br /> if any;(e)yeariy mortgage insurance premiums, if any; and(� any sums payable by Borrower to Lender, in acec�rdance with
<br /> the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums.These items are callal "Escrow Items."
<br /> Lender may, at any time, collcet nnd hold Funds in an a�ount not to exceed the mxximum amount a lender for a fcderully
<br /> related mortgage loan may require for Borrower's escrow account under the fedcral Real Estate Settlement Procedures Act of
<br /> 1974 as amended frnm time to timc, 12 U.S.C. Scction 2601 et seq. ("RESPA"), unless another law that applies to the Fw►ds
<br /> sets a lesscr ai►x�unt. If so, Lender may, at any timc, collut and hold Funds in an amount not to exceod the lesser amount.
<br /> L,ender may estimate the umuunt of Funds due on the basis of cunent data and reasonable estimates oi expe�xiitures of future
<br /> Escrow Items or atherwise in accordance with applicable Isw,
<br /> The Funds shall bc lield in an institutEon whosc deposits are insurod by a federnl agency, instnimentelity, or entity
<br /> (including Lender, if Lender is such an institution)or in any Federal Homc I..oan Bank.L.ender shall apply the Funda to pay the
<br /> $scrow Items. [.ender may not chnrge Borrower for holding and applying the Funds,nnnually enalyzing the escrow eccount,or
<br /> verifying the Escrow Items,unless Lender pays 8orrower interest on tlie Funcis and applicable law permits Lender to make such
<br /> a charge. However, i.ender mby require Horrower to pay a one-time charge for an independent real estate tax reporting service
<br /> usod by l.ender in connecti�n with this loan, unless applicAble law provides otherwise. Unless an agreement is made or
<br /> applicable law rcquires interest tn be paid, I.ender shell not be required to pay Borrowcr any interest or earnings on the Funds.
<br /> Horrower and I.ender may agree in writing, however, that interESt shall be paid on the Funds.L.ender shall give to Bonower,
<br /> wlthout charRe, aa annusl accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was mada The Funds are pledged as additional security�or aii sum��:u�ixi uy t�is 5;,;.urity :^sinssn=nt•
<br /> If the Funds held by Lender exceed the nmounts permitted tn be held by applicable law, LenJer shall account to Iiorrower
<br /> for tf�e excess Punds in accordance with tho requireme�ts of applicable law. If'the amount af the Funds held by L,cnder at any
<br /> time is not sufCicient to pay the Escrow Items when due,I.cncter may so notify Borrawer in writing,and,in such case Borrower
<br /> shall pay to Lender the wnount necessery to make up the deficiency,Borrower shall make up the deficiency in no more thAn
<br /> twelve monthly puyments,nt Lender's sole discretion,
<br /> Upon payment in full of all sums securecl by this Security Instrumcnt, L.cnder shall promptly refund to Borrower any
<br /> Funds held by Le�ider. If,under paragraph 21, I.ender shall ucquire or sell the Property, i.ender, prior tu the acquisition or sale
<br /> of the Property, shell apply any Punds held by Lender at the time of acquisition or sule as a credit against the sums secured by
<br /> this Sccurity Insr.rumcnt.
<br /> 3. Application o[Pnyments. Unless applicable luw provides otherwise,all payments r�ceived by Lender under paragraphs
<br /> 1 and 2 shall be applied: first,to any prepayment charges due under the Note; second, to am�unts payable under paragraph 2;
<br /> third,to interost due;fourth,to principal due;and lasi. to any late charges duc undcr the Note,
<br /> 4. Clu�rges; Liens. Borrower shall pay all taxes, assessments,charges, fines and impositions attributeble to the Property
<br /> which may attain priority over this 5aurity Instrument, and leasehold payments or ground rents,if any.Bono�ver shall pay
<br /> these obligations in the manner providcd in paragraph 2,or if not paid in ttiat manner,Borcower shall pay them on time directly
<br /> to the person owed payment.Borrowcr shall promptly furnisli to Lender all notices of amounts to be paid under this paragraph.
<br /> If Aorrower makes these payments dir�:ctly,Borrower sliall promptly furnish to Lender r�:ceipts evidencing the payments.
<br /> Borrower shall promptly discharge�ny lien which has priority over this Security Instrunxnt unless Borrower:(a)agroes in
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable to I.ender;(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, Icgul proccedings which in the Lender's opinion operate to prevent tha
<br /> enforcement of the licn; or(c)secures from the liolcler of the licn an agrecment satisfactory to L.ender sutwrdinating the lien to
<br /> this Security lnstrumcnt. If i,ender detcrmincs that any part of the Property is subject to a lien which may attain priority over
<br /> this Security Instrumcnt, [.ender may give Sorrowcr a noticc idcntifying tlie lien. Borrowcr shall satisfy thc lien or take one or
<br /> more of the actions set forth above within 10 duys of the givinb of notice.
<br /> Form 3028 9190
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