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<br /> � ._ TUK3�THER WCTH all thc impravement�now or hereafter erecteA un the propeKy.and Rlt c�sean�nts.�pWrteninoa.+u�d
<br /> lixtures nnw crr herea�ter a p:►rt of tite prope�ty. All repluccment5 and udcliYicuis sd�all ill� ho rnvcteti by Il�is Socu�ity
<br /> . Instnnr►ent.htl uf ti�o faregoin�is r�fcrred ta 1n this Security inytrumcnt as the"Property."
<br /> � BORRCl�1YER COVENANTS�hat fincmwer fs lawfutly selsai of tho es�ate Ixnby�onveycd xnd h�v the dgfit to gr�tnt wxf
<br /> c�nvey tho Pmpe�tgi arrcl thAt tho Proper'ty ia unencumberod,Gxcept for encusr�br�nccc of rce.�rd. �orrowec warraats Nnd wJll .
<br /> � defend generally the tltle t�the Prop�nya��inst all claim�and denunds.subject ta any encumbranees of rocord:
<br /> � TtIIS SECURITY IN51'RUM�NT dombines uniform cavenanta for netlonal uso end non-uniform caven�ntn with limited
<br /> � v�triadons by,�arisdiction ta cons�itute w u»{i'ia+�t secuj'1ty iitistru��w+tt cover:ag r�'at prop;.rty.
<br /> � UNIFQRM COVBNAN7'S.Aarcower end i.e�xier cove�wtt u�d a�roe es followa: •,
<br /> � 1. P,�ymmt ot Prin¢lpai u�d Intrrest; Prepwyment end i.�te Charge�f. Horrower shalt promptly pny whsn duo tho
<br /> pdr�ipal of and interest an the debt evidencal by the Note and any prepayment and late charges due urtder the Note.
<br /> 2. F'unde tor Twas and Insnrance. Subject to npplicable law or to n wrftten wutver by i.ender. Bornower shall.pay to
<br /> Lcnder on th�day monthIy payments aro due under the Note;uatll the Note ia pald in full.u�um("Funda")for:(o)yearly taxes
<br /> and assessments whtch m3y w-teu�n prIority ovee this Satudty Instiument as a lien on the Proptrty:(b)ycatly tc��sehold paymenu
<br /> or�yround rents on the Proporty.if any;(c)yearly ht�rd or property Insurancs pi+errttums;(d)yearly flood Insurance premtums�
<br /> 1{nny;(e)yearly mortgage insurancc�premiums. if any;and(�any sums payttble by Borrower to Lender. in nccordatxe wlth
<br /> the provistons of purngrnph 8.in lien of the puyment of mongage insurance premiurns.These itcros ere called"Esc�+nw Itemsc"
<br /> I.ender may. at uny dmo� colic;ct und hold Funda�n an amount not to eaceed the muximum umount u lender for n federaUy
<br /> tetatod moRgage lonn may�eyulre for Borrower's escrow aceount under 4he Fe�n�l Real Ests�te SetQement procedures Act of
<br /> 1974 as amended from time to time. 12 U.S.C.Section 2601 el seq. ("RESPA"),unless nnoEher law that applies ta the Funds
<br /> sets n lesser amount.If so. Lender may.at any tlme. collect and hold Funds in an amount not to exceexl Q�e lesser ariwunt.
<br /> Ixnder may estImate the amuunt of Funds due on the basia of cument data and ccawnable estimates of axpenditures of fature
<br /> Escrow Items or otherwise in accordance with applicuble law.
<br /> The Funds shaU be held in an institution whose deposits are insured by u federal agency. lnsmimentelity. or entiry
<br /> (including Lender.if i.ender is such an Institution)or in any Federal Home Loan Bank.Lender shalt apply the Funds W pay the
<br /> Escrow Items. Lender may not charge Borrower for holding and apply[ng the�unds.ennually analyzing the escrow asconnt,or
<br /> verifying the Escrow Items,unless L.ender pays Borrower interest on the Funds and upplicable law permits Lender to make such
<br /> n charge. Hawever. [.ender rc�ay mquire Borrower to pay a one-time charge for an independent reul estate tax reporting servloe
<br /> used by Lender tn conn�tion with this laan, unless appliwble Iaw pmvides otherwise. Unless un agt+eement ls mada or
<br /> applicable law requires interest ta be paid. Lender shall not be trqu[�r,d to pay Bornower any jnterest or earnings on the Funds.
<br /> Rorrower and I.ende�may agree in wrttin�,hawever,that interest shall be paid on the Funds. Lender shal!give to Bornfwer.
<br /> withaut chnrge,an annuul uccounting of the Funds, showing ctedits and debits to the�wuiss mi3 t��e�iuipos� �ar�uhicls aads
<br /> debit to the Funds was rriade.The Funds nre pledged as additional secudty for all sums secured by this Security Instrument.
<br /> If the Funds held by I,ender exceed the amounts permitted to be held by applicable law.Lender shall uc�count to Borrower
<br /> for the excess Funds in accordance wlth the requirements of upplicable luw. If the amount of the Funds held by Lender ut anyy
<br /> time is nat sufficient to pay the Esceow Items when due,I,ender rtwy so notify Borcower in wr�ting,and.in such case Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shall mak�up the defictency in no more then
<br /> twelve manthly payments.at Lender's sole disccetion.
<br /> Upon payment in full of all sums secured by this Securlty Instrument, Lxnder shall promptly refund to Borrower any
<br /> Funds held by Lender.If.under paragraph 21.I.ender shall acquire or sell the Propc�ty, Lender,prlor to the acquisition or sale
<br /> of the Pr�perty.shall apply any Funds held by Lertder at the time of acquisitIon or sate us u credit against the snms secured by
<br /> this Scxurlty Instrument. �
<br /> 3.Applicatlon of Paymente.Unless applicable law provides otherwise,all payments received by I.ender under paragraphs
<br /> 1 and 2 shall be applie�: first. to any prepuyment churges due under the Note; second,to amounts payable under parngraph 2;
<br /> third,to interest due;fourth,to principal due;and iast,to any late charges due under the Note.
<br /> 4.Charges;Ltens. Borrower shaq pay all taxes,assessments,churges.fines and lmposjtions anributAble to the Property
<br /> which may attain priority over this Secudty Instrument, und leasehold payments or ground rents. if uny. Borrower shall pay
<br /> ,. thesu obligations in the munner provlded in paragraph 2,or if not paid in that manner,Borrower shal!pay them on time direcdy
<br /> to the person owed payment.Horrower shall promptly furnish to Lender all notices of amounts to be paid under this�aragraph.
<br /> If Horrower makes these payments directly.Batrower shall promptly furniah to I.ender receipts evidencing the payments.
<br /> Borrower shal! promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)ugre�in
<br /> writing to the payment of the obligudon secured by the lien Sn a manner acceptable to I.ender; (b)contesu in good faith the lien
<br /> by. or defends against cnforcemept of the lien in. tegal proceeding5 which in the Lender's opinion o�erate to preveat the
<br /> enforcement of the lien: or(c)secures from the holder of the Iten an agrec►nent satisfactory to Lender subordinutin�the lien to
<br /> � this Security Instrument. If Lender determines that uny part of the Property is subject to a lien which mny attain priority over
<br /> �' this Security Instrument. Lender may give Borrower u notice identifying the lien. Horrower shall satisfy the lien or take one or
<br /> more of the uctions set forth above withln 10 duys of the giving of notice. r�
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<br /> Form 3028 9190
<br /> Ppo 2 ot 8
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