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<br /> 'TOGBTHER WI'TFT all the improvemants now or hereafter crected on the property,and all cusemcnts,appurtcnancss,and �
<br /> fixmres now or hercafur a part of the property.All replacamenls and addidons shafl also bc c�vcrccl by this Sxurity Instrument. __
<br /> All of the faregoing is referred to in this Saurity Inswment as the"Property." _
<br /> SORkOWE.R COVENANTS that Bonowcr is lawfully sciscd of thc cstzitc hercby convcycd wid has U�c r'rght to grant and
<br /> convey the Pmperty and that the Property is unencumbered,except for encumbrances of record. 8�rrawer warranis and wlll
<br /> defend generally the ti11e to the Property against all claims and demands,subject w any encumbrances of record,
<br /> THIS SECURITY IN5'IRUMENT combines uniform covenants for nedonal use and non-uniform savcnanls wi�h llmitcd —
<br /> va:iations by jurisdiciion to constitute a uniform security inswment covering real propcny. -
<br /> iINIFORM COVfiNANTS.Borrower end Lender cavenant and agrec as follows:
<br /> 1.Ps�yment of PrincipAl and Interest;Prepayment and LAte ChArqes. Borrower shall 'prompQy pay when duc thc
<br /> principal of and interest on the debt cvidenced by the Notc and any prepuyment and latc charge.s duc undcr thc Notc,
<br /> 2.Funds tor Taxes stnd Insurance. Subject w applicable law or to a wriuen waiver by Lendcr, Borrowcr shall pay to
<br /> Lender on the day mondily paym�nts az�:due under the Notc,undl thc Note is paid in full,a sum("Funds")[or:(a) yearly laxes
<br /> and assessmen3s which mey attain priority ovcr this Stxurity Instrument as a lien on the Properly;(b)ycarly Ieasehald paymcnts
<br /> �r ground rentv on the Propeny,if any;(c)yearly hazard or pmperry insurnnce premiums;(d)yearly flood insurance promiums,if
<br /> any; (e)yearly mortgage insurance premiums,if any; and(�nny sums payable by Borrower to I.ender,in xcordance wlth the
<br /> pmvisions of pacagraph 8, in licu of the payment of mortgage insurance prcmiums. These items arc calkd "fiscrow I1ems."
<br /> Lender may,at any time.collect and hold Funds in an amount not to excecd the maximum amount a lendcr fa a federelly relatad
<br /> mortgage loan may require for Borrower's escrow account under thc federal Real Estate SeUlement Procedures Act of 1974 as
<br /> amended fram dme to dme,12 U.S.C.Sc;ction 2G01 et seq. ("RESPA"),unless anothcr law that applies to the Funds sets a ksaer
<br /> amounG If so, I.ender may, at any dmc,collcct and hold Funds in en amount not to cxceccf thc lcsser emount. Lendu may __
<br /> estimate the amount of Funds due on the basis of current data end reasonable esdmates of expenditures of fuwre Escmw Items or _
<br /> otherwise in accordance with applicable law.
<br /> 'Ihe Funds shell be held in an institution whnsc dcposits are insured by a federal agency,insuumentality,or cndty(including
<br /> I.cnder,if Lcnder is such an insdtuGon)or in ar►y Federal Hume Loarr Bank.Lcnder shall apply the Funds to pay the Pacrow _
<br /> Items.Lender may tiot cherge Borrower for holding and applying the Funds,annually analyzing ttie escrow eccount,or veritying
<br /> the E�scrow Items,unless Lender pays Borrower interest on 1he Funds and applicable law permits Lender to make such a charga
<br /> However,Lendcr may require Borrowcr w pay a one-dme charge for an independent rcal estatc tax reporting service used by
<br /> Lender in connecdon with this loAn, unless applicable law provides otherwise.Unless an agrecment is made or applicable law
<br /> rtquires interest to be paid,Lendcr shall not be rcquired to pay Borrowcr any interest or camings on the Funds.Borrowa and
<br /> I.ender may agree in writing,howcver,that intcrest shall be paid on the Funds.Lender shall give to Borrower,without charge,an
<br /> �,auat awuunting af ihc Funds,she:ving CctdiLS�.nri �r_.ri�c tn the Funds tind the purQose for which eaCh debit to the Funds wa.a
<br /> made.'Itie Funds are pledged as eddidonal security for all sums secured by this Security Instrument,
<br /> If�he Funds held by Lender exceed the amounis permitted to be held by applicable law,I.ender shall account to Borrower for
<br /> the excess Funds in accordance with ihe rcquirements of applicable law,If the amount of the Funds held by I.ender at any tlmt is
<br /> not sufficient to pay the Escrow Items when due.Lcndu may so nodfy Borrower in writing,end,in such case Borrowu shall pay
<br /> to L,cnder the amount necessary to make up the deCiciency, Boaower shall make up tt►e deficiency in no more than twelve
<br /> monthly payments,at Lendcr's sole discredon.
<br /> Upon payment in full of all sums secured by Ihis Security Instrurnent,Lender shali prompdy refund to Borrower any Funds
<br /> held by Lender.If, under paragraph 21,Lender shali acquire oc sell the Propecty,Lender,prior to the acquisition or sale of the
<br /> Property,shall apply eny Funds held by Lcnder at the drne of acquisiaon ar sale as a credit against the sums securcd by this
<br /> Security Instrumuit.
<br /> 3.ApplicAtion of Paymeats. Unless applicable la�v provides otherwisc:,all payments receivcd by Lender undcr paragrephs
<br /> 1 and 2 shall be applied: Fust,to nny prcpaymcnt charges due under the Note; second,to amoun�s payabk under paragraph 2;
<br /> third,to interest due;fourth,to principal duc;and last,w any late charges due under the Note.
<br /> 4.Charge�;Lie�u. Borrower shall pay all taxes, assessmcnts, charges,6nes and impositions auributable to the �'roperty
<br /> wh�ch mny attain priority ovcr this Security Instrument,and]caschold payments or Qround rents,if any.Borrowcr shall pay these
<br /> obligations in the manner provided in paregraph 2,or if not paid in that manner,Borrowcr shell pay thcm on time d'uectly to the
<br /> person owed payment, Bonower shnll prompdy furnish to L.endcr all notices of amounts to be paid undcr this paragraph. If
<br /> Borrower makes these payments d'ucctly,Borrower shall prompdy furnish to Lender reccipts evidencing the pay ments,
<br /> Borcower shall prompdy discFuugc any lien which has priority over this Securiry Instrument unless Borrower: (a) agcees in
<br /> wridng to the payment of the obligadon sccurzd by the licn in a manncr acccptable to I..cnder,(b)cuntests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal procecdings wh:ch in the Lender's opinion operate ta prevent the
<br /> ' enforcement of the lien;or(c)secures from the holder of the lien an agreement sapsfactory to Lender subordinating the lien to
<br /> this Securiry Instrumen�If Lender determines that any part of the Properry is subject to a licn which may attain priority over this
<br /> Sccurity Instrument,Lendcr may give Borrower a nodcc identifying Ihc lien.Borrowcr shall sadsfy the licn or take one ar more
<br /> of the ucdons set fortti above within 10 days of the giving of notice.
<br /> Form 30 �/i0
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