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<br /> TO(1ETHER WITH nQ the improvements ttow or herEUfter e�ctod an the property.and all casemcnts.appuncru�ncer,.eu�J �_-
<br /> � :' � 8xtures now �r heteufter u pun of the property. All replacementa end udditiona Rhnll nl�o be cavered by d�is Secudty ��
<br /> instrumcnt.All af the faregoin�}ix rcfcrccd tn ln this Sccuriry In�tmrnent ag the"Propeny." '°
<br /> 80RRAW&R COVBNANTS thut Bonowcr ix IawtliQy seisod of the e.sWte hereby canveyed und has the ri�ht ta Brunt and _
<br /> � � wnvey the Pn�pert�cind thut the Propeny ia unencumberai, except for encumbrunees af rernrci. Bonower wurruntx and will =_
<br /> •� ! defend genernlly the titic to th�Pr�iperty agafnRt ull clnima and drnuinds,subjcct ta any encumbrnrtcesti af recard. _
<br /> "' THIS CRCURITY INST'ftUM�NT combines uniform cavena►ux f�r natianul usc nnd non-uniform cavenants with limited ::..
<br /> � variutians by Jurisdtction ta cunstitutc a uniform secudty i�stcurnont covcring mal property. � `-
<br /> p•�, UNIFORM COVBNANTa. Dnrrower and I.snder covenant end agree+w fallaws: __
<br /> ��_ � ��}. l. Payment oP Principai and Interest; Prcpnyment und l.ute Chnrgcs. 8arrower sh�lt pramptly pay when due thc —
<br />� :�:+M�'� principul of and interest an the debt evidenced by the Note and any prepayment nnd late charges due undex the Note.
<br /> �f{'°''�� 2. I�`unds Por Ttuces and In9urnrtce. Subject to applicublelaw or to n wrttten wniver by L.ender,Barmwer shall pay to
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<br /> �- � '' l,endcr on thc duy monthly puyments urc duc under the Note,unAl the Nutc is puid!n fult.a sum("Funds")for:(u)yenrly t�ees
<br /> ;�;� tutd nssessmenGg which muy attuin priority aver thi�Security Instmment us n lien on the Proparty;(b)yearty Icasehold puymenta "
<br /> or ground renta on the Property.if uny;(c)yeurly hawrd or pr�op�rty insurnnce premlums;(d)ycnrly klood insurance pcemiuma.
<br /> �� If uny: (e)yearly mortgnIIe insurunce premiums, if iu►y; and(�m�y sums paynble by Borro�ver to L.ender,in v.ccordnnce with
<br /> �' the provisions of purugraph 8. in lieu af thc payment of mort�age insurance premiums.These items nre calted"Escrow Items."
<br /> ' Lender mny. at nny time,collect urtd hold Funds in nn aunuunt nat to exceed the maximum amount a lender for a federally
<br /> .; related mortgage loan may requiro for Borcower's escrow accovnt under the federal Real Est�te Settlemej�t Procedures Act of
<br /> -- 19T4 ns amended from ume to time. 12 U.S.C. Sectfon 2601 e�a�c�.("R6SPA"),unless anather Inw thnt npplies ta the Funds �
<br />� sets a lesser amount. If so. Lender may. ut any tlme, collect and hold Fund3 in an umount not to exoe�d the lesser umount. �
<br />� ''����'`� Lcnder may estimate the smourtt of Funds due on the bas[a of wrrent data and reasonablc esdmates of expenditures of tY�tute e
<br /> Escrow Items or otherwjse in accordance with applicuble law.
<br />-?" '�,�''. The Funds shell be held in an insdtution whose deposiu are lnsured by a fe.ierai ngency. lnstrumenwlity, or entt
<br />-�, �;r.,q`,� (Including I.ender.if L.ender ie such an institution)or Irt uny Fe.deraf Home 1..onn Bank.Lender shall apply the Funds to pay th
<br />- �`••-.'�•:'; Escrow Items.Lender may not eharge Harrower for holding andr�;plying the Funds.ennually analyzi.ng the esorow uccount.o
<br />=7•. :''? `�� vetifyin�the Escrow Items.unless L.ender pays Rorrower interesio�►ihe Funds end applicnble law permlta I.ender to mako suc
<br />���.�;�.t a charge.However.Lender may require Borrower to pay a one•tlm.e churge for an independent real estate tax reporting servical�
<br />��,`;�j �;� , used by I.ender in connection wtth this loan, untess upplicublo law pmvides otherwise. Unless Ar►a�reement is made or
<br />�..W;,., appitcutele law requi�+es Interest to be paid.Lender shall not be required to pay Borrower any onterest or eaminga on the Funds.
<br />`��''�': gnm,tyQr n�ui i.ender mny agree in writing.however,that fnterest shall be paid on the Funds. Lender shell give to Borrower.
<br />'-":��:=:;"�� without charge, sin annuel accounting of the Funds,showln� creAits and debits to the Funds�ued the purpose for which each
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<br />��t��:?� debit to tha Funds was mede.The Funds ure pledged as additiond security for all sums serured by this Security Instrument. ,
<br /> -�;,��� If the Funda held by I.ender exceed the amountx perrttitted to be held by applicuble law,Lender shall aocount to aorrower
<br />�'°"°"� for the excess Funds in sxordance wlth the requiremen��of applicable Ic►w. If tho amount of the Funds held by f�ender at any
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<br /> -=•=-�w;r�a: time ia nat su�cient to psy the Rscrow Items when due. Lendermay so notify Horrower in writing, and,in such case�ormwer
<br />=� shall pay ta Lender the amount necesssiry to m�lce up the deficiency.Borrower sh�ll make ap the deflciency in no moin than
<br />,����;;� twelve monthly payments,at Lender's sole discretton.
<br /> _--�y� Upon payment in full of atl sums secured by this Security Instrumeat, Lender shall prompdy refund to Borrower any
<br />==_'"'�� Funds held by I..ender.If,under paragrnph 21,Lender shull ucqulre or sell the Propert3�.Lender.prlor to the acquiaidon or sAle
<br /> - =—— of the Proporty.shWl apply any Funds held by Lender at the time of acquleition or s�l�as t�credit against tho sums secured by
<br /> -'`� this Securtry Instrument.
<br /> -= 3.Appllestion of Peymente.Unless npplicabie law providt�otherwise.aN paytttents received by Lender under paragrnpha
<br />__ ,���� 1 und 2 ehall be uppl[�d:first, to any prepayment charges due under the Note;second. to omounts paynble under pnragruph 2; .
<br /> � __ third,to interest due; fouvtti.to pdncipal due;and last.to uny late Charges diie un�er the Note. '
<br />_ _ 4.Charges;Ltens.Bornowcr shall puy ali wxes, assessrmnts.r,hargcx. fines und i�positions amlbutuble to the Property
<br /> ti-----�-- which may attaln priorlry over this Scxurity Instrument. urtd lea9ehotd paymenta or grouncl nnts. if any.Borrower shall pay
<br />__ __.�- -0 thesc ubligations in the manner providcd in parngraph 2. or if not paid in that manrter.SoROwer ahull puy them an time duectly
<br /> --""'�' to the person owed payment.Borrower shaU promptly ti�.rnish to Lender all notices of amounte to bc p�id under this psuogroph.
<br /> -- - if Borrower mukes these payments directly.Bormwer shull promptly tLenieh to Lender er,ceipta evidencing ti:e payments. '
<br /> _ �-�� Borrower shnil promptly discharge any lien which has priority ovar this Secuxity Instrument unless Bonower:(a)a�re�s In
<br />- _-��n�� rrsiting te the payment of tt�e obli�atlen scxh�red by!he lien in u mnnn�r:�aeptable to Lender;(b)contcsts in good fait�h 3he•Iten
<br /> �- " _ Uy, ur �ie(niais agaivai cufw�.�;►ucui ur I{a Iii.A f�,, �.b.;:�P,ZCC:C�:rio �vi�irh in tho f rnA�r'c �pini�n�norate to pravent the
<br />�'"'�°'---- enforcement of the lien;or(c)secures from the 6older of the lien an ogrceincn4 sadsfactory to Lxnder su�ardtnnting the Ilen to
<br />�"�"`�"'�' this Secudty Instrumant.If Lender determines thst any part of�he Property is subject to u lien which may uttAin pdodty over
<br /> 3i°.L� this Secudty Instrument.Lender may give Borrower n noti��e 3dentifyin�the lien.Borrower shalt sutisfy thc lien or tnke one or
<br />�;�a�;'��� moc+e o�th¢actIons set forth ubove vuithin 10 days of the giving of notice.
<br />•l�;-_-.%t�rptt; Form 3028 8I80
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