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<br /> �' t TOt3BTHSR WITH all the improvements aow or hereafier erected on the property,and ull easements,appunenances.and �
<br /> fixtures uow or 4eem,atter a parc of the pmperty. AIl replacemente aud addittons shall also bs covered by this Scx:urIry � w
<br /> ��. lnstrument.All of the foregoing Is referred to in thts S°-curity Instcument as the"Property+." a
<br /> BARROWBR COVEI3ANTS thst Boaower ie lawfully seised of the estate hcreby convcyed and has the right to grant and �
<br /> " ' �canvey the Propecty and tQtat the Property is unencumbered,e�cept for encumbrances of tecord. Borrower warrants and will � c
<br /> . defend geaerally the dtte to the Pcoperty againat all claima end demands,subject to sny encumbrancea of rccord. ��
<br /> � ";-, THIS SECURITY INSTRUMENT combines w�iform covenanta for aational use and non-unifarm covenants wiW limited =
<br /> variations by jurlsdictfan to constitute a uniforn►securiry ivatnunEnt coverlug ceal pmperty.
<br /> � .r�p UNIFORM C4VENANTS.Bormwer and Lender covenaat and agreE as follows: -
<br /> '.��: 1. PaymeM of griacipal tuid Interest; Prepayrment end Late Cha�ges. Bormwer ahall prompt�y pay whBn due the _
<br /> �'�, priucipal of aad lnterest on the debt evidenced by the Note aad any prepaYmenc az►d late charges due under the Note.
<br /> 2.�nds[or Taxes and Ingurance. Subject to appltcable law or to a written waiver by Lender. Borrower shall pay co _
<br /> .fa� . _
<br /> � �' �� , Lender on the day manthly payments are due uader the Note,until the Note is paid in full.a sum("Fuads")for:(a)yearly taxes _
<br /> .,�; and assessments which may attain prlority over this Se�utiry Instnuner►t es a lien on the Property:(b)Yearly leasshold payments
<br /> �+ or ground rents oa the Property.if any;(c)Yearly hn�ard or progerty lnsurance premiums: <d)Yearly ftaod insurance pretniums.
<br /> � `# if any:(e)Yearly mortgage insurauce premiums, if any; end(�anY sums Payable by Borrower ta I.ender.in accordance with
<br /> ,� the provisions of para�aph 8.in lieu of the payment of mortgage iasurance pnemiums•These item$are called«Escr°W Itcros�
<br /> Lender may. at any time. collect and hold Funds in an amouat not to excced the maximum amouat a lender for a federally
<br /> related inortgage loan u�y requi�for Bormwer's escrotiY acrount under the federal Real Esiate Settlement Procedures Act oE .
<br /> � 1974 as amended from time w tirae. 12 U.S.C. Sectton 2601 et seq. ('RESPA")�unless another law that applies to the Funds
<br /> ' ` '� sets a lesser amount. If so, Lender may, at aay time, collect sud hold Funds iu an amount not to exceed the lesser amount.
<br /> L.ender may esti�oaate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of fumre
<br /> . ��, � Escroa Items or otheivvlse in accordance with applicable law. _
<br /> The Fands sheU be held in an institution whose deposits ure insure�l by a federal agency, instnuneatality, or endry
<br /> ° (includiag Leader,9f Lender ia such an iustitudoa)or in any Federal Home Loan Bank.Lender shall apply tbe Funds to pay the
<br /> ,:��':,:�: g.scrow Items. Lender may not charge Barrower for holding and applying the Funds.anaua�ly aaalSrdng the escrow account.or
<br /> :9 4x,. ' verifj+Ing th$Bscrow Items.ualess L.ender pays Borrower iaterest on the Funds and applicable lavsr permits Lender to make such
<br />- a charge.However.Lender may require Borruwer to pay a one-dme charge for an independent real estate tax�eporting service
<br />-:r1:;9��uw.
<br /> _;u, used by I�eader in co�tion with Wis loan, ualess applicable law pmvtdes otheiwise. UNess an agreement ia made or
<br /> '� ,,,`':.�°, aggliaslst$!e�reg�faier�s!i�!+e�_i�t, l P.nder shall �t be required to AaY Bonower any iatereat or eamings on the F1�nds.
<br /> - - ������ Borroaer aad LEnder may agree in wrlting,bowever, tbat interest shall be paid on the Funda. L.ender shall give w Borrower,
<br /> .}rr��.�,
<br /> x°-�:�;, without chazge, an annual accouattng of the FUnds.shuwing crodits and debits w the Funds and the purpose for which each
<br />-�-s�"`; debit to ihe Pwtds aas made.The Funds are pledged as additional securitY for aU sums secured by this Securiry Insuument.
<br /> ��'�' IP the Fuads�eld by Lender excced the a�nounts pemutted to be held by applicable law. I.ender shall acoouat ea Borrower
<br /> ����i�-.�� for the excess F�mds In acco�ance with the nquirem�nta af applicable law. lf the amouat of the Fuads held by Lender at any
<br />�,y�� time ie not suffioient to pay the Esarow Items ahen due.Lender may so aodfy Barrower in wrlting.and,in such case Borrower .
<br /> =�<<�c��"���+� shall pay to Lender the amouat aecessary to make up the deScieacy. Borrower shall make up the deScieacy ia no more than
<br /> . ���'.���'A twelvE monthly pay+ments.at I,eader's sole discretion.
<br /> r�°;=�°�� Upon payment in full of a11 sums secured by this SECUrity Inatmment. Leader shaU pmmptly refiind to Borc�nwer any
<br /> �,�, Fuads held by i,ender.If.under paragraph 21,Lender s6ai1 aoquire or sell the Property.Leader,prlor w the acquisition or eale
<br /> -_—--= of the Property,shaU apply any Funds held by Lender at the time of arquisition or sale as a credit against the sums secured by
<br /> thia Secudty Iasuivaent.
<br /> .W�._ 3.Appltcattoa oY Aaymeats.Unless applicable law pmvides othenvise.ap payments re�eived by Lender under paragraphs
<br />�-� D and 2 shall be applied:fust,to anY PreP�ent charges das under the Note: sxond,to amounts payable under paragraph 2.
<br /> :�;�� third,to interest due;fourth.to pr3ncipal due;and last, to any late cdarges due under the Note.
<br /> — 4.�harges.Ueu9.Bormwer shall pay all taxes. asseasmems.char8es� fines aad impositions attribwable to the ProPertY
<br /> --- _�=g_ which may auain prtority over this Security Insm�meat.and leasehold paymenta or ground rents,if any. Borrower shall pay
<br /> - -- rhese obligat[ons in the manner pmvided in paragraph 2,or if uot paid in that manner.Borrower shaU pay them on tune directly
<br /> - to the person owed payrneat.Bon+ower shaU pmmpfly futnish w Leader all aotices of amouats to be paid under this paragraph.
<br /> :'_i� If Borrower makes these�paymenta directlY.Boaower shaU prompfly fumish to I.eader receipts evldenciag the paymenta.
<br /> -->-—= — Bormt�ter sl�l1 Proai�tll'Rtsc�hA.�rge a�y Nen whtch has priortt�+over this Secvrity Insttument unless Borrower:(�agraes in
<br /> :,..,a,�,�.�; writing to the paym�t of the obligation secured by the llen in a manner sooeptable to Lender;(b)contests in g9od faith tha lien
<br /> --r—=-='=� bY. or defends against enforcement of the liea 3n. legal Pioc�lings wlilch in the Lender's opiaion operate to preaent the.
<br /> �y � enforament of the lten;or(c)se�vres from the holder of uhe liea an agreen'►ent satisfactory to Lender svburdinatin8 the lien to
<br />="Y``;.�:v'
<br /> - tH9s'Security Inst�vmsnt. If I.ender determines tbat any part af the Property is subject to a lien which may attain priorlty over .
<br />�--:�='�'--�— Wis�Securiry Instrument, Lender may give Borrower a notice fdendtyjn8 the llen. Borrower shall satiafy the lien or take one or
<br /> TM���..�'; ._� more of the actions set forth above within 10 daya of die giving of aotice.
<br /> `-�"° �-r+�, a ForRS 3428 3I90
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