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<br /> TQC��T'�#ER WITH all the improvements now or hercattu erzct�d on tlbo property.nnd all easement�.oppunenanocs.and �
<br /> -�r„,�.�� fixturcy�ow on c�ra�fter n pa�t of thc propeny. AIf repluccmcnte aad additions shut: ulso bo cavcred by this Secudty
<br /> ----- lnstrumertt.Atl of the faregaing i9 refcncd to in this Sccurity 6�struer►cnt as tho"Fropeny."
<br /> BORROWE�t COYBNANTS thut Borrower is Iu�vPutly selsed af thr,estata hereby canveyed und has the right tn grant and
<br /> -- canvey ttcc Pro�erty and tliat the Property ls unencumbered.exeept far encumbrance.g of record. 8orrawer wum►ntci nnsl will
<br /> ct�fend genernlly the title to tho Property ogulnst nll claims and demandg.subjecc to uny encumbrnnccw af recvrd.
<br /> THIS SECURITY INSTRUMENT combines unif�rm cavenuntx for nationu!��.so+�d noa•unlform cavennntx with limited
<br />. ________---___-� vQriatlons by,juriscliction to constitute n unif�rm secudry instrument cuvering rcal proparty. ,
<br /> • UNl�ORM COVENANTS.Barrower anJ l.ender cavenant und ngrce as followa:
<br /> 1.Pay�taent ot Pelncipul �nd Interest; Prepayment and Late Charges. Bariower ehnll promptly puy whsn duo the
<br /> ,:° principai of ond Intemst on thc debt ovIdencal by thc Notc and any prepaymcnt und latc chargcw due under the Note.
<br /> Z.F und�for Taxes and iasuren�r. Subjat to applicable luw or to n wdtten wuiver by L.ender.Honower ahAll pay to
<br />,�;t y' Lender on the day monthly puyments ac�e due undcr tho Nate.until the Note is paid in full.o sum("Funds")far:(a)yaatly taxes
<br />��� und assessments which n�ay attain prIoriry over thfe SaurIty Instrument ac a lien on the Pmperty: (b)yearly leusehold pnyments
<br /> == or ground rents an the Property.tf any;(c)yearly hazard or property iasurartce premiums;(d)yearly tlood insurance pnmiurtui,
<br /> '�;,' if any:(e)yearly mortgage insumnce prsmiums,if any; und(fl uny sums payablc by Borrawor to I.ender. in accor�dance with
<br /> �,'. the pmvislons of paru&rnph 8.in lieu of tha payment of mortgugo insurance premiumx.The�e item.g are callod"Escrow Itemx."
<br /> Lender inay, at any time,callect and hold Funda in nn emaunt not to exceed the maaimum amount a lender for u fedemlly
<br /> = celated atortgugo loAn mqy require for Borrawer's escrow eccount under tha faleral Real �.gtate Setttement Procedures Act af
<br /> 1974 es umended from t�me to time. 12 U.S.C. Se��cion 2601 et sey. ("RESPA"). unless another law that applies to the�unde
<br /> sets a icsscr umount. [f so, Lertder�nay. at aey time,coUect and hold Funds in nn amount nat w excced the lesser amount. .
<br /> .. Lender muy esctmrue the amount of Funds due on the bnsis af current data und reasonabla estimates of expenditures of furore
<br /> ; Fscrow[tems or otherwise in accordunce with upplicable law.
<br /> 'Ihe Funds shall be held in un institution whose deposits are insured by a federal agency, instrumentality. or entity =-
<br /> (jncluding I.rrtder,if Lender is such an institutian)or in tury Federal Home�,oan Bank.Lendet shall apply the Funds to pay the
<br /> Escrow Itcros.Lender may not charge Borrower fur Iwlding and applyMg the Funds.annually analyzing the escrow uccount,or
<br /> verifying the Escrow items. unlass I.ender pays Borrawer interest on the Funds and applicable law permits Lender to make such
<br /> a charge_ However,Lender may eequire Borcower to pay a one-tlme charge far an independent real estate tax repc►rting service
<br /> used by Lender in connection with this toan. unless ppplicnble law provides othenvise. Unless an agreement is made or �
<br />__ ' � upplicable law requlres interest to be paid. Lender shall not be required to pay Borrower any interest ar earnings on the Funds.
<br /> ;. �:�i� Bomower and Lender may agree in writing,however,that interest shall be paid on the Funds. I.ender shsill give to Barrower. -�.
<br /> =�'° °"��- � �ith�ut clisrgc. sss an:s:sa!sceounting of the �un�s.showfng�r!+�itc�nd deMtc to the Funds and the purpose fat which each - ..
<br /> ,N�:" debit to the Funds was made.The Funds are pfedged us additionnl security for all sums secured by this Securiry inslntment. __--
<br /> ,;'?;�: If the Fands held by Lender eaceed the amounts permitted to be held by applicable law. Lender shaU acwunt to Borrower
<br /> � • ��"(r",` for the exccss Funds in accorilance with thc requirements of applIcable law. If the umount of the Funds hcld by Lender at any ��-
<br /> .; ,.
<br /> r��, '• t�me is not sufficient to pay the Fscrow Items when due. Lender muy so natity Horrower in writing,und,in such case Borcawer ��_'
<br />_, . l�;�."�r;;.�n���.t shall pay to Lender the amount aecessnry to make up the doficiency. Borrower shall mnka up the dcficiency in no mor+e than - .
<br /> ,f�;r�:q�°'•*�="•- '
<br /> ,;5�,:;;. ;, . twelve monthly payments,at I.ender's sole discretion. ._
<br /> - �"°� � �°• Upon payment in full of all sums secured by this Security Instrument, L.ender shall prompNy refund to Borrower uny ��`�
<br /> � Funds held by L.ender. If,under parugraph 21, Lender shnll acquim or sell tha Property, C.ender. prior to the ncquis[tion ar sale
<br /> - � ' of the Property.shnll apply any Funds held by Lender at the time of acquisition or sate as n credit against the sums secured by '
<br /> '�.!_ ;n',r ,f�1�,• this Security Instmment.
<br /> _ - " *�:r;-k� 3.Appltcadon of Poyments.Unless applicablc law provides othenvise.:ill payments recei��ed by Lender under para�rnphs
<br /> �''�''�� I artd 2 shall be upplied:first,to any prepayment char�es due under the Note; second,to nmountc�payuble under pnragraph 2:
<br /> � ���rF' third,to interest due;foutth,to principal duc;and I:sst,to any late chnr�es due under the Notc.
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<br /> 4.Charges: Llens.Borrowet shall pay all t:ixes, assessments,char�es, fines and impositions attributable ta the Property
<br /> f�;;.��r�:, which may attain prioriry over this Security Instrument,and leasehold payments or ground rents, if uny. Borrower shall pay
<br /> u''' these abli ations in the manner rovided in ara rn h 2,or if not uid in thut manner,Borrower shell a them on time directl
<br /> �ri.�''.y""<;�'. •y: : S P P 8 P P p Y y
<br /> , ta the person owed payment.Bc�rrower shall promptly fumish to Lender all notices af arrrounts to be paid under this parngraph.
<br />` � `.,4�;�_�:r If Borrower makes these payments directly,Barrower shall promptly fumish to I..ender rercipts evidencing thc payments.
<br /> `�,;, - ; � Bormwer shall pmmptly discharge uny lien which has priority over this Security Insuument uniess Borrower:(a)agrees in
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<br /> .;; .,� writnng to the payment of the obligution secured by the lien in a manner acoeptable to Lender:tb)contests in good fuith the lien
<br /> ' %'':+`h����=: . by, vr defends ugainst enforcement of the lien in, le�ul proc�edings which in the I.ender's opinion operate to pmvent the
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<br /> ,�� }�°�„��•�• � enforce�ent of the lien;or(c)securcs fmm the holder of the lien:in a�rcement satisfactory to[.ender subordinuting the tien to tl..
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<br /> .rv.�.�'� � this Security Instrument.If Lender detcrtnines that any part of the Property is subject to n lien which may attain priarity over
<br /> •':�`',��� "�;�`.�� this Securiry[nstrument.Lender may give Borrowera�otice identifying the lien. Borrower shall satisfy the licn or tuke one or
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<br /> - "'�+�a•• �==����+` more of the actions set forth above within 10 duys of the giving of notice.
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<br /> r:�,•::.':; '. .-, Form 3026 9190
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