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<br /> 7�Qa$'fHER WITH sU thc impravcrt�ha niiw or lx�Rer erected on the propertS►��uid all�auen�a,�pparlanwoe��aed
<br /> fxwres now or hereufter n purt of the prcipens�. AIt replucements and udclitIans shall slso bc rnveral hy this Socurity
<br /> Iiir,trantt;nt.�1�U u`tise farcgo�ng is rcferr�i tn in this Sccurlty Inistruutenl a�tlac"Prape�Ty."
<br /> 1lt�RRQVl�Yt COVENIAI�rS tt�at kiorruwcr!s Inwfut�y selsod of the estatc hcreby canveya!and Iws the ri$ht to grant arx!
<br /> canvey the�reputy and that the Property is unencumbercd.eacept far encum6rencea oi recard.�rmwer warrants�nd +vili
<br /> defe�xl generally tha dtle ta the Pioperty aB alnst all claims and demanda�subJect tu any encumbrences of rtconi.
<br /> THIS SECURITY INSTRUMBN'C L'ombines uniform covenanta far nutianal usa and non•uniform coveiwnu with limlted
<br /> vnriAtians by Juri�:dictior�ta oonstitutc a unlform secudty insttument rovcdng rral praperty. �
<br /> UNtt7t1ltM GO'VL�IVANT3.Borrower and Lendcs covcnam anJ agra u�folluwR:
<br /> l. Payment of Prindpnl u�d Int�eet; PcepRymrnt tnd I.ate Ctutr�d. Borrower shall prompllY paY when du� the
<br /> prlrtcipal of and inurest on the debt evtdenced by the Nou and usiy prepayment und lat�charges due under the Note.
<br /> 2. Funds[ar Tnxea�nd L�sur�noe.Subjxt to applt¢uble law or to u written waiver by I..crxicr, Aorrower ehail pay to
<br /> Ixnder an the day monthly puyments are due under the Note,until the Note is patd in full,u sum("Funds")for:(a)yeerly taxts
<br /> and assessments whtch mny attain pdorlty aver this Securiry Insqument as a lien on the Property; (b)yeurly leasehold payments
<br /> or gronnd rent�on tha Propetty.if su�yr:(c)Yenrty hazard or property insuranw prerntums:(d)Ycariy tlood insurance premIuma;
<br /> if any; (e)yearly mortgage inswrutce premiums. if eny:and(�eny aums payabla by Borrower to L.endet,in accordance with
<br /> the provisions af pacagraph 8. in lieu of the payment of monsago insurance premiums.These items ure cullod"ESCmw Itcros."
<br /> I.ender may. at any time. collect and hold Funds in an amount not to exceed the maximum amount a tender for a fcderally
<br /> refatal mort�age loan muy requtre for Horrower's escrow account under the federal Real Estate Settlement Prooaluns Act of
<br /> 197�4 as amended from time to dme. 12 U.5.C.Secdon 2601 et seq.("ItESPA").unless another law that applies to th�Funde
<br /> sets a lesser amount. If so.Lender may.ut any time. collect and hold Funds in an amount not to ezceed the lesser amount.
<br /> Lender may estimnte the amount af Funds due on the basis of curc�at data and reasonable esdmntes of expenditures of futur�s
<br /> Escrow Items or othenvise in accordance wtth applicable law.
<br /> The Funds shall be held in an inst�tutIon whose deposits are insured by u federal s�ency, instrumentality. or entity
<br /> (including Lender.if Lender is such an institutton)or in any Federal Home Loan Bank.I.ender shall apply tha Funds W pay the
<br /> Fscro�v Items.Lender may not charge Borrower for holdin�and applyin�the Funds,ennually analyzing the escrow uceaunt.or
<br /> verifying the Escrow Items.unless i.ender pays Borrower Interest on the Funds tind applicable law pernuts Lender to make such
<br /> a charge.However,I.ender may require 8orrower to pay a one-time charge for an irtdependent real estate tax reporting service
<br /> used by Lender in connection with this loan, unless applicable law provides otherwlse. Unless an agreement is made or
<br /> applicable law ri:quires intemst to be paid,I.en�ier shall not be required to pay Borrower any interest or ramings on the Funds.
<br /> Borrower and Lertder may ngree in writing. however. that interest shall be paid on the Furnfs. I.ender shall give to Borrower.
<br /> without churge. nn annunl accounting of the Funds,showing credIts and deblts to the Funds and the purpose for whlch e:sch
<br /> debit to the Funds was made.The Funds ure pledge�as additional security for all sums secure+9 by this Secudty Instument.
<br /> If the Funds hald by Lender exceed ths amounu permltted to be held by applicuble luw,I.ender shnll accaunt w Bor�ower
<br /> for the excess Funds in uccordance with the requiremants of upplicable law. If the umount of the Funds held by Lender at any
<br /> time is not sufficient to pay the Escraw Items when due,Lender mny so notify Borrower in wdting,and. in such case Bomower
<br /> shall pay to L.ender the amount necessury to make up the deficiency. Borrower shell make up the deficiency in no more than
<br /> twelve moathly payrrtents,at L.ender's sole discretian.
<br /> Upon payment in full of alt sums secured by this Security Instcument. Lender shs►il promptly refund to �orrower any
<br /> Funds held by L.ender.If,under paragraph 2I. Lend�r shall acquire or sell the Property.Lender. priar to the ecquisttion or sale
<br /> of the Property.shal!apply uny Funds held by Lender at the timo of acquisition or sale as u crvdit against the sums secured by
<br /> this Security Instrument.
<br /> 3.Applieatfan of Payments.Unless applicable law provides otherwise.ull paymenu received by Lender urtder paragraphs
<br /> 1 and 2 shall be applIed: Fcst. to any prepayment charges due under the Note:second.to amounts payable under paragraph 2;
<br /> third,to interest due:fourth,to principal due:and last.to any late charges due under the Note.
<br /> 4. Churges; Ltens.Borrower shalt pay ull taxes.assessments.charges. fines and impositions anributable to the Property
<br /> which may atwin prioriry over this Security Instcument,and teASehold puyments or ground rents, if uny. Borrower shall pay
<br /> , ;°,��:;.u�� these obligations in the marmer pro��ded In pnrngraph 2,or if not paid in that manner, Burrower shall pay them on time directly
<br /> r�•��� to the rson owed a ment.Borrower shull rom tl fumish to I..ender alt notices of amounts to be aid under this ara ra h
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<br /> -,:,. ..,���� If Borrower makes these payments directly, Borcower shull promptly furnish to Lender recelpts evidencin�the puyments.
<br /> ��-�'••;�„��, Botrower shall pr�mptly discharge any lien which h�.s priority over this Securiry Instrument unless Borrower: (a)ngrees In `:'
<br /> '�"�:�''' '`.;-, writing to the payment of the obli€ation secured by the lien in a manner acceptable to Lender,(b)rnntests in good faith the lien "��
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<br /> �:•}:;�;y1:;�= by, ar defends against enfarcement of the lien in, legal proce�dings which in the Lender s opinion operate to pmvent the
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<br /> _..:�. , enfomement of the Iten;or(c)secums from the hald�r of the lien an ngreement satisfactory to Lender subordinating thc lien to � :�.
<br /> , , ,.'•.�• ;.�.•:�• tY YP P� Y � J Y P � Y
<br /> �:�-�• this Securi Instrument. If Lender determines thut nn art of the Pro rt �s sub'ect to a licn which mu ututin norit over
<br /> 'L`^��-;v this Security Instrument, L.ender muy�ive Borrower a notice identifying the lien. Borrower shall sutisfy thc lien or take one ur
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<br /> '�`• "r••`�•�=_�?- more of the actions set forth above��•ithin 10 duys o(the giving of notice.
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<br /> � -��'4:''•� `�'��N. Form 3028 8180
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