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<br /> � TO(f�THER WITH nll the improvements now or hereufter erectec!on the property,und all cusements, appurtcni�nces, und `--
<br /> : �` � �—
<br />� �'',-.••,. Gxtures nUw or hereafter a part of the propeny. All replacements und additions shnll idso bc covcrcd hy this Sccur�ry �
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<br /> ��r Inscrumcnt. All of thc fr�resoing is refcrresl to in this Security Instrument us the"Property." �
<br /> (30RROWER COVENANTS that Borrotivcr is lawfully seised of the est�ur hereby cnnvcycd unJ hur thc ri�:ht to grnnt and ��.
<br /> convey the Property und �hat the Property is unencumbered, except for encumbrunces of recard. 8arrower warrunts unJ will .
<br /> � �� defend generally the title to the Property against ull claims nnd demands,subject to uny encumbrunces of rec�rd. �
<br />�:�. THIS SBCURITY INSTRUMENT combines uniform covenants tor naiional use und non-uniform covenants with limited
<br /> -'. vuriutions by jurisdiction to constitute a uniform sec;urity instrumcnt covering real property.
<br /> ` UNIFORM COVENANTS.Borrowcr nnd[.ender covenant and agree as follows:
<br /> 1. Payment of Principal und Interest; Prepayment and i.ute Charges. Borruwer shall promptly pay when due thc �_
<br /> �� principal af and interest on the debt evidenced by thc Note und any prepaymcnt and late char�cs due under the Note.
<br /> ' ���a. • 2.Funds for Taxes and I��.curance. Subject to applicable law or to a written waiver by L.ender, Borrower shali pay to
<br /> ' ' I.Ender on the day monthly payments arc due undcr the Note,until the Note is paid in full,a sum ("Funds") for: (a)yearly taxes _
<br /> -� � and assessments which may attain priority over this Security Instrument us a lien on the Propeny; (b)yearly Ieasehold pnyments
<br />•-��;`<<;•'.�;, or ground rents on the Property,if any; (c)yenrly hazard or property insurancc prcmiums;(d)yearly flood insurance premiums, ;
<br />"P''��-;"•� if nn Y b' B P Y� Y � P Y Y �
<br /> �, y; (e) yearl mort a e insurance remiums, if an and(� an tiums a able b Barrower to Lender, in accordance with
<br /> �<�..�', the provisions of paragraph 8, in lieu of the payment of murlguge insw�ance premiums.Thcse itcros arc called "Escrow Items." _
<br /> ' � Lender may, at any time, collect and hold Funds in an amount not to excee.d the muximum amount a lender for u federully
<br /> related mortgagc loan may require for Borrower's escrow account under the fecierul Real Estute Settlement Procedures Act of _..
<br /> ' 197h as amended from time to time, 12 U.S.C. Section 2601 er seq. ("RESPA"),unless another law that applies to the Funds -
<br /> ' sets u Iesser umount. If so, Lender may, at any time, collect and hold Funds in nn umount not ta exceed the lesser amount. _
<br /> . r ' L.ender muy estimate the amount af Funds due on the basis of current duta and reusonable estimntes of expcnditures of future =
<br /> ,� . . Escrow[tems or otherwise in accordance with applicable law. _-
<br /> �•, ;. The Funds shall be held in an institution whose deposits are insured by a tederal agency, instrumentalrty, or entity
<br />.;r�,_. ,. � (including Leuder,if Lender is such an institution)or in any Ft:deral Home Loan Bunk.Lender shuU apply the Funds to pay the �_
<br /> g- Escrow•Items. Lender may not charge Borrower for holding and applying the Funds. annually analyzing the escrow account, or
<br />�:'���-'�•��;.� verifying thc Escrow Items, unless L,ender pays Bo�rower interest on the Funds and applicable law permits L.ender to muke such
<br /> ...,��'� A chnrge. Hawever, I.endcr muy requirc Bu��uwc� i� Nay a anc-ttm�:.hargc far an inde�:.nde.^.t res!esta!P t�.•.�p^r!i��g �ervice ,
<br /> �'"_ '' ' used by C.ender in connection with thfs laun. unless applicable Isw provides otherwise. Unless an ugreement is made or
<br />-'�`:;-. '� � applicable law requires intcrest to bc paid, l.ender shall not be required to pay Borrower any intcrest or carnings on thc Funds.
<br /> ::�,��ya�� Borrowcr und [.ender may agrce in writing, howcvcr, that intcrest shall bc paid on thc Funds. Lcnder shull givc to Borrower,
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<br />- . �:'�.�;� without chargc, an annuul uccounting of thc Funds, showing crulits und debits ta thc Funds and thc purposc for which cach
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<br /> ...,..�i dcbit to thc Funds wrs mudc.Thc Funds urc plcdgcd us additionul sccurity for ull sums sccurcd by this Sccurity Listrument.
<br /> W�3c`:^_.�` ' If thc Fundn c�ld by[.cndcr cxcccJ thc am�:unts permlttcci to oc hcld by upplicublc litw,I..endcr shall account ta Borrowcr
<br />- -�,:�..,�F � for thc exces.r• Funds in accorJ.uue with the requirements��f applicable luw. If the amount of the Funds held by I.endcr art any
<br /> ' - titnc is not sufficicnt to pay thc Escrc�w Itcros whcn duc,I..cndcr muy so notify B�rr�wcr in writing,and,in such cusc I3orrower
<br /> :~-��,,;•K'' shull pay to Lender the amount necessury to m:►ke up the deticiency. Borrower sh�tll inake up the deficiency in no more thmi
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<br />-�-- 1� � twclvc monthl a ments,at C.cndcr's solc diticrction. �
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<br /> �_;.ti;;:���. Upo� payment in full of all sums secured by this Security Instrument, Lende:r shull promptly refund to Bormwer nny
<br /> �'=="-�=� Funds held by Lcndcr. If,under paragruph 21, Lendcr shull acquire or sell the Property,I.endcr,prior to the ucquisition or sule .
<br />_- w��� of the Propeny, shall upply any Funds held by L.ender at the time of acquisition or sale as a creciit against the sums secured by
<br /> -;'�f•�°� this Security Instrument.
<br /> 3.A,ppltu�tion of Puyments.Unless applicnblc law provides othcrwise,all payments receivcd by Lendcr undcr parugraphs
<br /> '_="""`'.•" 1 and 2 shaU be applied: first, to any prepayment charges due under the Note; sec:ond,to amounts payable under para�raph 2;
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<br />.��p.•,{�Y-� third,to interest due;fourth,ro principul due;:�nd la;t,to any latc�harges duc under thc P?otc.
<br /> - -,�+_a�-� � 4.Charges; L[ens. Bonower shull pay all taxes, asscssmcnts, charges, fines and impositions attributablc to the Properry
<br /> _`-�.r-� Y P Y Y P Y S Y• P Y
<br /> - -�,� which ma uttain riorit over this 3ccurit Instrument, and Ieasehotd a ments or round rents, if an Borrower s a a
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<br /> �,�, these obligntions in the manner provided in paragraph 2,or if not puid in that manner, Borrrnvcr shall pay them on time dircctly
<br /> `.��'"""' " to thc person owed payment. Borrowcr shall promptly furnish to Lcndcr ail notices of umo�.�nts to bc paid undcr this paragraph.
<br /> If Borrowcr makcs these payments dirccdy, Borrowcr shall promptly furnish to Lender rcceipts cvidencing the paymcnts.
<br /> � ' Borrower shall promptly dischargc any licn«•I�ich has prioriry i�vcr this Scc:urity Instrument unless Borrowcr: (a)agrecs in
<br /> ' writing to thc paymcnt of the nbligation securcd by thc lien in u manncr xcceptable to Lcndcr;(b)contests in goal faith thc licn
<br /> by, or dcfcnds against enforccment of thc licn in, legal pracccdings which in the Lcnder's opinion operate to prcvcnt the
<br /> enforcement of the licn: or(c)sewres from the holder uf the lien en ugreement satitifactory to Lcnder subordinating the lien to -
<br /> this Security instrument. If Lendcr determines that ;►ny part of the Property is subject to a licn which may auuin prioriry over -
<br /> this Sccurity[nstrument. I.cndcr may givc Borruwcr a noticc idcntifying thc licn. Borrowcr shall satisfy thc licn or take oiie ar -
<br /> morc of thc actions tict ti�rth abovc within 10 days of'thc giving c�f nc�ticc. _
<br /> �orm 3028 9190
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