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<br /> TOCIETHER WITH alt the improvementa now or hercafter crcctcd on tt►e�roperty,und uli ease�strs,app�t���El�'l11�! -- -
<br /> ����`°�� fixt�res now or hereaRer u pa�1 r►f ttte propeny. l�ll rcpincenzent� und additions shall UI40 lse c�vcrcil by ihis 5sc�srity
<br /> lnstrumcnt. All uf the foregaing ih referrr.tl to In th�s ScCUdty Instn►mcnt us tii� "Praperty."
<br /> BARROWER COVBNANTS that 8�rroKer is lawiLlly r,�ir,cd of thc cstatc hercby wnvcycd and has die dght tn grau end
<br /> eon�rey tt►a Pro�perty nnd thnt tho Pcoperty iw unencumbcerd. exccpt for encumbrancos of rccord. Bc�rrawer wnrrnn3r►arKf wlii
<br /> cbfenct generally the tide co tha Prapeny against ul! cleima and demands.�ubject to any cncumbranccs of record.
<br /> � __��, THIS S�CURl1'Y INST�tUMBNT cambinQ9 unifarm covcnanta far nultonal use nrtc!nan-unifnmi cavcnnnts with limttad
<br /> vsdutions by jurlsdicdon ta constiWta u uniform�ccurity insttument covering reat praperty.
<br /> LlNIFOItM COy�NANTS.Borrowcr und Lendcr covennnt und ug�cc as followA:
<br /> 1. H�ymrnt af Princlpad nnd intErest; Pre�yment�nd I.Ate Chncg�. linrrower shall pmmptty pay whcn due the
<br /> _ prirtcipai of and interest on the d�bt evidenccd by thc Note and nny prepayment nnd lutc churges due under thc Notc.
<br /> • Z. Funds tor Taxes and[nsuru�ce.Subject to applicable luw or to n written wuiver by Lcnder, Borruwer ahcill pay to
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<br /> Lender on the day manthly payments nre due under[he Note,until the Note is paid in fuil.n sum("Funds"1 far:(u)yearly wxes
<br /> tmd ussessments which mny atta£n priarity over thfs Saudty Instrument ag v llen on thc Praperty;(b)ya:.u�ly le�sel►ofd paymenw --
<br /> -- or gmund r�rtts on tho Propcsrty.if uny:(c)yearly hazard ar praperty iasumnca premfunut(d)yearly flood insurance�remiums.
<br /> ��� if uny:(e1 yearly mortguge insuranco pmmiums.if any:and(�nny sums payable by Borrower to I.endet, in accorductce with
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<br /> tho provislons of parngraph 8.in lieu of the puyment of mortgage insurance premlums.These items are called°Escrow Items."
<br /> - [.endnr may.at uny timQ. collert und hald Funds in nn umount not to exceed the mstximum amount u lender for a f e y
<br />-°s mlated moRgnge loan may require for Bomnwer's escrow account under the federal Real Estate Setzlement Procedures Act of
<br /> '� 1974 as ctmenAe<!fr�m time to time.l2 U.S.C. Sec�ion 2601 et seq. ("RE5PA"), untess unother Iaw that appifes to the Furtdx
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<br /> sets a lesser a�nount. If so. Lender ms�y.ut ony time,collect sind hold Funds in an amoant not to exoced the t�sser umonnt.
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<br /> Lender may estimate the amount of Funds due an chc basis of current data and reasonable estimates of expenditures of future
<br /> �scrow Items or othenvlse in accondance with applicable luw. —
<br /> Tt�e Funds shalt be held in an institudon whose deposits are insured by s� foderal ugency. instrumentality, or entity
<br />� (includin�Lender,if i.endcr is such sn institutton)or in nny Federnt Home Loan Bank.Lcrtder shul!apply the Funds to pay tiie
<br /> ' Bscrnw Items.L.ender mny not charge Borrower for holdtng�nd appiying the Funds,annually analyaing the escrow account.or
<br /> � verityin�the Escrow Items.unless Lender pays Borrower jnterest on the Funds and applicable�aw permits i.ender ta make such
<br /> a churge. However, I.ender mny require Borrower to pay a one-time charse for an indcpendent rea!Nstnte tax rcporting service �--.
<br /> used by Lender in wnnectton wlth this loun, uniess applicable law provides otherwisc. Unless an agrcement is made or _
<br /> applicable law requi�s interest to be paid,Lender shall not be r�quired to pay Borrower uny intemst or eamings on tho Funds. v_
<br /> = u `r. _, Borrower and I.ender may nACee in writing. however,that interest sh�ll be paid on the Funds. L.ender shutl give to Borrower. �:'--
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<br /> � wlthout charge, an annual accounting of the Funds. showing credits and debi�s to the Furtds und the purpose far which each r
<br /> debit to the Funds was made.The Funds are pledged as udditiona!securlry for atl sums secured by this Securiry Insuument. _
<br /> t If the Funds held by i,ender exoeed the amaunts permitted to be held by appltcable law.I.ender shall nccount to Borrower ;_
<br /> � '�`� for the excess Runds in acxordancP with the requirements of applicabte Inw.If'thc umount of the Funds held by Lender at uny ,;
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<br /> _ �,f3��,. .R :. time is nat sufficient to pay the Esccow Items when due.[.ender may so notify Borrower in writing.and,in such case Horrower �;_.
<br /> �;�•:�� .!�°' shalt pay to l.ender the amount nc:oessary to msilce up the deficieacy. Borrower shall make up the deficiency in no more than �__--
<br />- , ti� �''� ti. .,� tw�lve monthly payments.at Lender's sole discretion. _
<br />- :�"�. Upon payment in fult of nll sums secured by this Securiry Instrument. Lender shall promptiy refund to Bormwer any _
<br /> Funds held by [.ender.If.under parngraph 21.Lender shatl acquire or setl the Property.Lender,prior to the ucquisition or sale
<br /> of the Pcoperty.shall apply:u�y Funds held by Lender at the time of�cquisition or sale as a credit aguinst the sums securc�by
<br /> '��` '� this 3ecudty Insmiment. _
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<br /> �.Applicatton of Psymente. Unless applicable luw provides ocherwise,ull payments rcceived by Lendcr under parugraphs ,
<br /> ''!'� 1 and 2 shull be apptled: first.to uny prepaymem charges due under the Nate: second,to amounts payable under paragraph 2:
<br /> thlyd.to intemst due:fourth.to principal due;and last,to any late charges due under the Note.
<br /> " �.Charges;Liens. Bomower shall pay all taxes,assesaments, charges. tines and impositions anributablc to the Property
<br /> which may attain priority over this Securiry Instrument, und lear,ehotd payments or ground rents. if any. Borrower shall pay �
<br /> -. :': these obligations in the manner providod in paragraph 2,or if not paid in thut manner, Borrower shull pay thcm on time directly . ..
<br /> �`��' to the person owed payment. Borrower shall promptly furnish to I.ender all notices of amounts to be paid under this paragraph.
<br /> � If Borrcwer maka these payments directly.Borrowcr shall promptly furnish to Ixnder ttxcipts evidenring the payments.
<br /> - .W Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees in
<br />°� ����°'� wrlting to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien �
<br /> by. or defends against enforcement of the lien in, legal proceedings which in the l.ender's opinion operate ta prevent the
<br /> "�: � enforcement of the iien; or(c)secures from the holder of the lien an n�reement satisfactory to l.ender suhordinating the tien to
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<br /> "� ':'•' thts Security Instr�ment. If Lender determines that any part of the Property is subject to a lien whictn may attain priority over
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<br /> "� . '.�'�:=.- this Security Instmment. I.ender mny�ive Borrowe�a notice identifying the lien.Borrower shall satisfy the licn or takc one or
<br /> . mom of the actions set forth above within 10 days of the givin�of notice. ,
<br /> , •P���`�. iorm 3026 8180
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