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<br /> � TO�ETH�R 1VITH all the improvcments�iow or hercaftcr ercztui on thc prop�rty,nnd all easements, aprurtenances,and a..
<br /> flxtures now or hr.rcaAr.r a p�u't of thc prop:rt�. All icpluccmc�ils and .idditions sliall al;n b� CAVCi1:1.I �ly �IllS S�curity �''• -'.
<br /> � Instrumcnt. �111 uf�hc foregoin�is referrcd to in[his 5ccurity I�nuumcnt as tlic "I'roperty." � �
<br /> •'�`��� .:;:_ .,f� QORROW(sR(:OVBNANiS th�t'Qorrower is lawfull,y sciscd�f th�calntc hcreby comcycd.utd has Nu ri�;ht to gr�nt ati�d �u_'==
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<br /> .-���+--_.,_�,,,� cnnvcy U►e Prnperty and Ihat the Property is unencumbcred, except f'or er�cumbrances oi'record. Borrower�varrants an wi
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<br /> -�'�+�'�'���� dcfend gcncr.►Ily thc tiUc ta thc Property nga�nst nll claims nnd dcmands,subjcct to:►ny cncwz�brances of rccc►rd.
<br /> ' THIS SF,CURITY 1NSTRUMEPIT combincs unifarm covennnts far nationil usc und nmrunfform covcnnnts with limit
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<br /> --_- variutions by.jurisdiciiot�to comtitutc a uniform securiry instn�mcnt cavcriug���al pr�i�::�iy.
<br /> '�"�-����'�:°•� ' UNIFORM COVENANTS. Dareawer and l.ender covenant r.nd ugcce as faUows:
<br /> ���� ;. �S�'rZ`� 1. f'n �ni�nt of PelnclpQl s�nd Intcrest; Pre�ayenent und Late CharRes. 8orr�»vcr sliall prompdy pay �1hen duc tiu
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<br /> ;:;,..� :,,,s;;.: pri�tcipal of and intcrest on the debt evidcnced b the Note and an re � ment nnd lutc char e.�due under tlie otc. P y
<br /> . •.S�'.�:•. ,.f�'�,>',: ` Z. Fundv for Tnxe.s�nei Insu��unce. SubJect to applicable Inw or to a writt�en waiver b Lender,Borrow�er shall � ta
<br /> - .�'"N�`�`'�'�"��"���' I.ender on thc day monthly p�yments an duc undcr thc N��tc,until thc Notc is paid in full.a sum("�unds") for: (a)ycarly taxes
<br /> � �� , ; p� y earl lc�schold u ments __
<br />::�'{1.;�:_:;,�,';�;�?,. and�ssessments which may attain prioriry over this Security Instrumcnt.wy u lien on thc Pro ..rt ;(b)y y P Y
<br /> . ,} r,.�'',:�;`'-, or ground rents on the Property, if any;(c)yearly hnzard or property insurance premiums;(d)yearly flood insurancr.premiums.
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<br /> ':�!�.. .:.. : ...r�... if any; (e) yc�rly mortgage insurance ptemiums, if any: and (f�nny sums payable by liorrower to Lendzr, in accordance with
<br /> '''� . : �" ' the{srovisions of paragraph 8,in lieu of thc paymcnt of mortgagc insurunce premiums.These items nre called"£scrow Items."
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<br /> '"; 'y.%: ���;;;:�:;;�jti� I,ender may, at any time, collec:t and hold Funds in nn amount not to excced Qie mAximum amount a Iendcr for a fe,deral y
<br /> e�_��.'_"�;�,,;;!�_.'�;`�l�ji related mortgage loa•a may require for Borro�ver's escro�v ac�ount under the federal Real�state Setttement Yrucedures Act of
<br /> _ •�,�.,r�; �T;:a'r` 1974 ns amend:.d from time ta time, 1Z U.S.C. Sectiun 26(Il er seq. ("RFSPA"), unless nnother law that applies to the Funds
<br /> � �. ,.;.,;�;•�;-�-; sets :�lesser amount. If so, Lcndcr may, at any time, callect and hold Furrds in un amount not to exceed the Icssrr air+ou�t.
<br /> �'� '° " • Lender may estimatc the amount of Funds due on the b:�sis of current data and reasonable estimstes of cxpenditures of future
<br /> Hscrow Items or othenvise:n acc�rdance with applicable la�v.
<br />-. +�'"'�A �`�``':"�� The Funds shall be held in an institution whose deposits are insured by a federal agency, inswmentsdity, or entity
<br /> �.;_, : ,• ;;,, (including l.ender,if L,ender is such an institution)or in any Federal Home Loan Bank.L.er.der shull appty thc Funds to pay the
<br /> � Escro�v Items. T.ender may not charge Horrower for holding and applying the Funds,annually an�►lyzing the escrow account,or
<br /> � - � � verifying the Escrow Items, unless l.ende�pays Borrower interest on the Funds and applicable la�v permits Lender ta maSce sucli
<br /> , . a charge. Howevcr, Lendcr may require Bonotiver to pay a one-time charge for an indepcndent re.1l estate tax rcporting service
<br /> ' used by Lender in connection with this loan, unless applicable law provides othenvise. Unless an agreement is made ar
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<br /> �� npplicable law requires interest to be paid, Lcndcr shal! not bc required to pay Borrawcr any intcrest or eamings on the Funds.
<br /> _ _ , ���•w"w;���,��f.,,Y; �gme in writine, howcver. that intcrest shall be paid on the Funds. Lender shaU give to Sonawer,
<br /> without charge, an annusl accounting of the Funds, showing credits and debits to the runtis�nd che pucix�ac fo. w��...��.nl�
<br /> '� debit to the Funds was made.The Funds arc pledged as additional security for all sums secured by ihis Sccurity Instrument.
<br /> If the Funds held by L.ender exceed the umounts pertnitted to be hetd by npplicable law, Lender sUall nccount to Horro�ver
<br /> � for the excess Funds in accordance with the requirements of applicable law. If the am�unt of the Funds held by Lender at any
<br /> • time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing,and,in such case Borrower -
<br />- ,. � shall pay m Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in na more ttian
<br /> twelve monthly payments,at Ixnder's sole discretion. �,
<br /> � Upon paymr.nt in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borcower any `--
<br /> � �� Funds held by Lendcr.If,undcr paragraph 21. I.ender shall acquire or scll the Property. Lender, prior to thc acquisition or sale �
<br /> ". ' of the Property, shall apply any Funds held by L.ender at the time of acquisition or salc as a credit againsc the sums secured by __-
<br /> •• - " this 3ecuriry Instrument. ;=
<br />_ ' il • � � 3,ppplic.ldon of Payments. Unless applicable law provides otherwise,all payments received by Lender under paragraphs ti_
<br /> �� ' 1 and 2 shall be applied: Cirst, to any prepayment charges due under the Note:second, to amounts payable under para�raph 2: e''" `
<br /> � � third, to interest duc;fourth,to principal duc:and last,to any latc charges duc under the Note. - _
<br /> . 4.Chur�es; Ltens. Borrower shall pay all taxes,assessmcnts, charges, fines and impositions attributable to thc Propeny
<br /> ` which may attain priority over this Security Instrument, and Icaschold paymcnts or ground rents, if any. Borrowcr shall pay _
<br /> these obligations in thc manner provided in paragraph 2,or if not paid in that manncr. Borrower shall pay them on time directly
<br />-�. ' ,,. , to the person ov�ed payment.Borrower shall promptly furnish to Lender all notices of amounts to hc paid undcr this paragnph.
<br /> �.,��� .�.:" ' If Borrower makes these payments directly.Borcrnver shall promptly fumish to Lender reccipts evidencing tlie payments.
<br />- i` . + Borrowcr shall promptly dischargc any licn which has priurity rncr this Security Instrument unlcss Borrowcr:(a)agrces in
<br /> • writing to the payment of the obligation secured by the lien in a manner acceptable to L.encier:(b)�ontests in good faith the lien
<br /> J��,; � , by, or defends against enforcement of the licn in. IeFal procecdings �vhich in the Lender's opinion uperatc to prcvent tlie
<br /> : ; enforcement of the lien;or(c)secures from the hc�ldcr of the lien:�n agreement satisfartor}� ta Lender subordinating the lien to
<br /> '� " this Sccuriry Instrumcnt. If Lendcr detcrmincy that any part of thc Property iti subject to a lien ��•hich may attain prioriry ���•cr
<br /> � this 5ecuriry Inswmcnt. Lender may givc Borrowcr a nolirc identifYing thc licn. Borruwcr shall sati�fy thc licn i�r takc��nc or
<br /> �� ., ' more of thc actions sct forth aUove within 10 da}��uf thc giving cif nuticc.
<br /> , Form 3028 9190
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