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<br /> TOGETHER WITN all the improvementa now or hereaftcr erectod on the praperty,and ull casements, nppurtcnunces,a�xf
<br /> fixtures now or hereafter a part of the property. A�� rep��ceme��g � °�d��ions shnll also tx caverai by this Securiry
<br /> Instcument.All of the forcgoing iy referted ta in this Security instrument as the"Property."
<br /> BORROWER COVBNANTS that Bonower is lawfully seised of the estatc hereby canvcyal und has the right to grant an�i
<br /> convey the Pmperty and that the Praperty is unencumbered, except for encumbrances of record. Barrower warruntti and will
<br /> defend genorally the title t��the Property against ell claims and demends,subJect to any encumbrances of raord.
<br /> THIS SECURITY iNSTRUMENT combincs unifArm covenants for nationul usc and nan-unifonn covenants with limital
<br /> v�riations by jurisdiction to constitute a uniform security instrument c.overing real propeny,
<br /> UNYFORM COVENANTS.Borrower and Lender covenant and agre�as follows:
<br /> 1, Payment ot Principwl And Interest; Prepayment and I.wte Chrrges� Borrower shall promptly pay when due the
<br /> principal of and interest on the debt evidenced by►he Note and any prepayment and late charges due under the Note.
<br /> Z, blundv[or TAxes And Imurs�nce. Subjxt to applicable law or to a written waiver by L.ei�der. Borrower shall pay to
<br /> Lender on the day monthly pay►mnts are due under thc Note,until the Note is paid in full,a sum("Funds')for:(a)yearly taxes
<br /> ancl assesstnents which may attain priority aver this Security Instrument as a lien on thc Prope»y; (b)yearly leaschold payments
<br /> or ground rcnts on the Property, if any;(c)yearly hazard or property insurance premiums;(d)yearly flood insurance premiums,
<br /> if eny;(e)yearly mortgage insurance premiums, if any; and(� any sums payable by Borrower to I.ender, in accordance with
<br /> the provisions of paragraph 8,in lieu of the payment of mortgage insurance premiums. These Items are called"F_scrow Items."
<br /> Lender may, at any time, collect and hold Funds in an amount not to excced the maximum amount a lender for a falerally
<br /> related mortgage loun may require for Borrower's escrow account under the fcderal Real Estate Setticment Procedures Act of
<br /> 19'14 as a�ncndcd fram time to time, 12 U.S.C. Sectinn 2601 et seq. ("RESPA"), unloss another law that applies to the F�nds
<br /> sets a lesser amaunt. If so, Lender may, at any time, collect and hold FunJs in an amount not to exceed the lesser amount.
<br /> Lcnder may estimate the amount of Funds duc on the basis of cunent data and reasonable a9timates of expenditures of futun
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> Tho Funds shall be held in an institution whose deposits aze insured by a foderal agency, instrurnentality. or entity
<br /> (including Lendcr,if Lender is such an institution)or in any Federal Home Loan Bank.I.ender shall npply the Funds to pay the
<br /> Escrow Items. Lcnder may not charge Bc�rmwer for I�olding and applying the Funds,annually analyzing the escrow account,or
<br /> verifying the Escrow Items, unl�ss I..ender pays Bonower interest on the Punds and applicable law Permits Lendor to make such
<br /> a charge. However, I.ender may require Borrower to pay a one-time charge for nn independent real estnte tux reporting service
<br /> used by Lender in conncction with this loan, unless applicuble law provides otherw't.se. Unless un agrament is made or
<br /> applicable Iaw requires interest to be paid,L,tnder shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> B�rro::cr sr.d L�r.der m.ay agrPe in writin¢. however, that interest shall be paid on the Funds. Lcnder shall give to Borrower,
<br /> without charge, an annual accaunting of the Funds, showing eredits and debits to the Funds and the purpose for wnici��::��
<br /> debit to the Funds was made.The Funds are pledged as additionul security far all sums secured by this Security Instrument.
<br /> If the Funds held by Lender exceed the amounts pennitted to be hcld by applicable law,Len�Jer shali aaount to Bonower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lendor at any
<br /> tinne is not sufficient to pay the Escrow Items when due,l.ender may so notify Borrower in writing,and,in such case Bonower
<br /> shall pay to Lender tht amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more ths�n
<br /> twetve monthly payments,at Lender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security lnstrument, Lender shall promptly refund to Borrower any
<br /> Funds held by L.ender, If,under puragraph 21,L.ender shall acquire or sell the Propeny,L.ender. prior to the acquisition or sale
<br /> of the Property,shall npply any Funds held by I.cnder at the time of acquisition or sale�.s a credit ugainst the sums securod by
<br /> this Security Instrununt.
<br /> 3. Applkallon ot Pnyments. Unless applicable law provides otherwise,all payments received by Lender under paragraphs
<br /> I and 2 shall be applied: lirsc. to any prepayment churges due under the Note; second,to amounts payable uncier paragraph 2;
<br /> third,to interest due;fourth,to principal due;and last,to any late chnrges duc under the Note,
<br /> 4. Charges;Liens. Aorcower shall pay all taxes,assessments, charges, fines and impositions attributable to the Property
<br /> which Anay attain priority over this Securi►y Instrument, and leasehold payments or ground rents, if eny. Borrower shall pay
<br /> these obligations in the manncr providal in paragraph 2,or if not paid in thnt manner,Borrower shait pay them on time dircxtly
<br /> to the ptrson owed payment.Borrower shnll �romptiy furnish to l.c�ider all notices of amounts to be paid u��cr this paragrnph.
<br /> If Burrower makes these payments directly,Borrower shall promptly furnish to l..ender receipts evidencing the paymtnts.
<br /> Barrower shall promptly discharge any lien which has priority�over this Security Instrument unless Borrower: (a)agrees in
<br /> writing to the payment of the obligation secured by the lien in a m,�nner acceptable to Lender;(b)contests in good faith the lien
<br /> by, ar defends against enforccment of the lien in, lcgal proccedings wliich in the Lei�der's opinion operate to prcvent the
<br /> enforc�ment of the licn;or(c)secures from the bolder of the lien an agra:ment satisfactory to Lender subordinating the lien to
<br /> this Security Instrumcnt. If Lender deterniines that any part of the Property is subjcct tu:► lien which may attain priority over
<br /> this Securi:y Instrument. L.endcr rr�ay give Aorrower a notice idcntifying the licn. Borrower shall satisfy thc licn or take one or
<br /> more of the actions set fonh above within 10 days uf the giving of notice.
<br /> •Form 3028 9190
<br /> Pago Y ot 6
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