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<br /> � � Tm(3�THEIt VY1TH atl tho imgrovcrosnts now or hersa�tcr erected cm thc property.�tnd�a&e��M��.�d � .
<br /> Lixlurcv arow on c�reattcr o �art cf tlic p�wperty. All repfacenrents a+yd additinns Ft►all ai�a hc ca�cr�d by iF[s ,5arurity
<br /> Instrument.AJO n9 the fare�ofng i5 refe�rred ta in th1�Scsudty lns�rumcnt ag tha"Property." � , •
<br /> � � 80RROWRR COWLNAN'CS thnt&►rrowrr la Ixwflully aeiaed of the estue he�eby cnnvtyod�nd h�w the r��tt�tu�rit�ud
<br /> convey the Property end thA!tho Properiy !n unencumbered. exaept for encumbn��of t+eco�tf. Aormwer w�rr�nta aod will�� ,.
<br /> � dofrnd�ener�lY the title to the Ympeny�net all cl�ims tnd dem�nd�,eubJect to Nny trxumbr+utee��[e+eon�d.
<br /> ' THIS SEGURITY INS7RUM8NT . mbines unifoms covenants for nrdarwl use�nd tan•untfnrm rnvan�t�wlrh 1lml�ed
<br /> vAriadon.a by jnr�sdiction to c��siitute a uniforr�n ee�:urity iiu�run�eni��uveriug��ewl pcu�j.y.
<br /> UNII�ORM COVBNANT5.Borrower uxt Lender covenant aod agroe aR follow�: �
<br /> . 1. Piyment ot�r4c�lp�1 and latenat; Prepyment and I.de Cluurge� Dorrower shall promqly pry whtn A�n the
<br /> principal of and intenst on the debt evidenc�d by the Note pnd aqy prcp�yr�nt and latc chuga duo utxter tha Note.
<br /> 2.Funda for Taxes►and Irraurance. Subject to applicable!aw or to a wdtten walvcr by Lender,.�on+nwer shall p�y to
<br /> Lender on the day moathly payment�nre due under the Note�until tha Nota ia patJ in full.a sum("Funcls")for:(a)ypuly taxea
<br /> end aascssments whfch may attain priur�ty over tiiis Seettrlly Iustruauent es a Uen oti the F�operty;(by yeuly lea.set+,old p�yn�
<br /> or gnnund rents on the Praperty.if�wy;(c)yearly hazurd or prnperty insurance premiums;(d)yearly flood insuru�oe pnrcilumf�
<br /> if any:(e)y�arly mortgage insurence pniniuma.If any; and(�any sums payable by Barrower to I.eader.in accotdn�with
<br /> the provisians of paragraph 8, In lieu of the payment of mortgage insuranca premIwns.These ittms are callat"Fscmw Items."
<br /> I.ender may. at any time. wllect and hufd Funds in an amoum not to exceod die maximum amount a lender for a foderally
<br /> r�elated martgoge loan may requin for Borrowe�'s escrow account under the•federal Real Estatc�ettl�ttent Pcocedu�ea Act af '
<br /> 197�i as+�mer+ded fmm t9me to dnie, 12 U.S.C. Section 2601 u seq. ("RE9PA"),uniess anott�rl�.w shnt applIes W tho Funds
<br /> ' seu u less$r amount. If so, I.ender may, at any dme,collect and hold Funds in an emount not Fo excaed tice lesser amoune.
<br /> ' Lender may estimate the amoont of Funds due on the basts of curnnt data end reasonable e.wtimgtes of expenditwes of future
<br /> Sscmw It�ma ur oWerwise in accordance wlth appltcable law.
<br /> �. 'C6e �un�a shall be held in an institutton whose depostts are insured by a federal agency, i�utcumentality, ot endty
<br /> (includin�Lender.if Y,�ndar is such en instItutIon)or in any Federal Home I.oan Bank.Lender shall apply tl►e Funds to pay the
<br /> ' Escrow Items. Lender�y•nat chatge Borrower for holding artd applying the Fuads.unnually enalyaing the escrow account�or
<br /> verifying the Escrow Items,unless Lender paya Borrower interest on the Funds end applicnble law pem�its Lender W make such
<br /> o charge. However.Lender may require Borrower to pay a one-tjmG charge for an independent reul estute tax ceporting service
<br /> �sed by I�ender in rnnnectlon with this toan, unfess appl�cabla law provides otherwise. Unless tut agreement is made or
<br /> applicuble law requtres interest tu be paid. Lender shall not be required to pay�orrower any intere�t as�rninga on the Funds.
<br /> Horrawer and Lender may agree ia�vrit3ng, however.thut interest shall be pn3d on the Funds, �.ender shtill give to Borruwer�
<br /> without charge. an annual accoun�ing pf the Funds.showing credits and debits to the Fui�ds and the purppse fbr whiGh t�ch
<br /> debit to the Funds was inade.The fi�nds ure pledged as add�tionnl security for all sums secured by Wis 5ecudty Insttument: �
<br /> If the Funds held by i,ender oxceed the amounts permitted ta be�held by upplicable law,Lender shal!acCount ta$orrowar _ �
<br /> for the excess Funds in a�ordance with the requirements of applicable ta�v. If the amount of the Funds held by Lender at any
<br /> time is rtot sufflcient to p�y the Escrow Items when due. Lender may so notifjr Borrower in writing,and,in sach case Borrower
<br /> shall pay to I.ender the amount necessary to make up the defi�-tency. Barrower shall make up the defieiency in no more than
<br /> twelve monthly payments.at Lender's sole discretfon.
<br /> Upon payment in full of all sums secured by this Security Inspument. Lender shall promptly refund to Bomower eny
<br /> Fundc held by Lender.If.under paragreph 21.Lender shall acqaire or seU the Property.Lender,prior w the ucqutsition or sale
<br /> of the Property,shall apply any Funds held by Lender at the time of acquisitinn or r,nle as a credit against the sums secut+ed by
<br /> this Security Instcument.
<br /> 3.Applicadon ot P�ymente.Unless Applicuble Inw provides otherwise.all payments received by Lender under parnsraphs
<br /> 1 and 2 shull be upplied: first. to ar�prepayment churges due under thc Note: second.to amounts payable under paragraph 2;
<br /> thlM.to interest due:fourth,to pr�ncipul due;and last,to eny lute charges due under the Note.
<br /> 4.Charg�s;Lle�.ldorrower shall pay all taxes,assessments.charges,�ines and imposttions amibutable to the Praperty
<br /> which may uttain priority over this Security Instwnent. and leasehold payrn�nts or�round mnts, iY eny. Borrower ahull pay
<br /> these obligntions in the manner provlded in paragrnph 2.or if not pald in thut manner,Borrower shall pay them on tfine dlrecdy
<br /> to the persun awed payment. Borrower shall promptly furnish to i.ender utl notices of amounts to be paid under this paragmph.
<br /> If Borrower malces these payments direcdy.Sorrower shall promp.iy furrtish to[.ender receipts evidencins the paymeats.
<br /> Borra�ver shall promptly discha►�e any lien which has priorlty over this S�curiry Instrument untess Bomower:(a)agrees in
<br /> wrlting to the payment of the obli�atIon secured by the lien in a manner ucceptable to Lxnder;(b)rnntests in gaod faith the lien
<br /> by, or defends aguinst enforcement of the Iten in. leg:il proceedings wh[ch in the Lender's opinion opernte to prevent the
<br /> z' ,, enfurcement of the lien:or(c)secures from the holder of the lien an ugreement satisfuctory to Lender sabordinating thc lien to
<br /> ' ? this Securiry Instrument. If I.ender detemunes thnt any part of the Property is subject to a tien which may attain priority over
<br /> this Secudty Instrument.Lender cn�y give Borrower a notice identifyin�the lien.8orrower shWl sutisfy the lien or take one or
<br /> man:af tt�e actions set focth above�eithEr.t0 d�ys of thc giving of notice.
<br /> �
<br /> form 3028 9190 _�
<br /> Pogo 2 of 8
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