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<br />--__-�-��--�_F� Instrumc�u. All a�f'thc f��rcgof�lg is rcicrrcd m in this ticcuriry In�trumeiit c+s thc"E'ruE�erty."
<br /> � =�m,,,;F,� DORItOWER GnVI?NANTS thE►t�nrrawcr is lawfnity 4cisc� ��f�he cstsitc L�cr�:by c:�mvcyc:� :lI1SI I11ti II1C f'I�III lU}?I'UUY UIIII —
<br /> '�.._ -- -- convey the Prci�x:rty uiid that Ihe Property fs unc:ncumlx:red, exe�pt foe•eneumbrime;.s uf a•erord. pa�row�r warrnms nuel wil4
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<br />___,_:_�-,;.s�,�,�;,R� dcfcnd generally thc titic to tlio Prn�crty agninst nil cinimv nnd d�mands,�ubject to nny encumbra�ucs c�t rctord. ,
<br /> -- �, � '�fiiS S1iCUi2i'i"iC INS7'It11IVi�N1 iuuiiii�lt'ti uitifii��i�cuv���a�d�f�s�u;�tia��::l u:c�nd nan-u�iifo-m rnvemnnte with IIF�itc�1 '
<br /> __. variations b,y jurisclictic�n t��constitutc a uniform sccurity instrument covering rcal proExrty. �
<br />- - _—___-� UNIFORM C01/ENf+NT5.ilorrow�r und l.cn�ler covcnn►�t nnd afirec ns follows: —
<br /> — - 1. Payment oP Yrinclpal nnd Qnter�st; Prepay�nent and �.ate �hArg�s. fiorn�wer shall pro�nptly pay whci� d�ac Il�c _
<br />-- ��q� principaf of and intcrest on the Aebt cvidcnccd by thc Note imd any prepayment nnd late charges duc undcr the Notc.
<br /> �—_ --= 2. Fund9 for Tss�t�.w and Insuruncc.SuBjcct to npplicablc luw or to n writtcn w►�ivr.r by [.cnder, Iiorruwcr shall pay ta
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<br /> `�---==._���.±� Lcndcr on the day moiithly pnymcnts�iro duc unilee�he Ncxe,until thc Notc is paid in full,u swn("Funds")for:(n)yc.ar y taxes
<br />=—r--��>� and assessments which may attafn prioriry over this Security Instrumcnt as a licn un thc Property: (b)ycarly Icasehaid paymen�r
<br />_,q,,,,;,;;�;���;,����� or gratmd rents on thc Property,if�ny;(c)yettrly hazard nr p►nperty insurimcc pren»mns;(d) yeady flood insurunce prcmi un�s.
<br /> ��;�;i,,;,..-.T�����,,�n� if nny; (e)yearly mortgage insurance premiums, if any: and (�any sums pnyublc by Blorrower to l.ender, in sccordance with
<br /> V"'�"�-"�! "�' '' the rovisions of ara ra h 8. in licu of the a uient of mon a e insurnnce rcmiums. Thesc itcrosnrc callcd"Escrow Items."
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<br /> �����:T�- -- Lender may, at any time, collect und hald Funds fn an amount not to exceeci tha maximum amount n Iendcr for n federally
<br /> ��-:.;-"����. rclatecl mortgage loan may rec�uire for porrower's escrow account under thc federal Real Gstute Setdement Pracedures Acl af
<br /> �����':•,�''^��`��;�` : 1974 as anicnded from time to time, !2 11.S.C.Scction 2601 e�seq. ("RESPA"j,unless nnother law ihat applies to liie�runds
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<br /> �:;�.���y�;;;:; sets n lesscr amount. If so, Lender may. ut any time, collect und hold Funds in an arnount no1 ro excecd �he csscr amount. _
<br /> :,� . Lendcr may cstimatc the amount of Funds due on the basis of cunent datn�.nd reasonable cstirriatcs of expenditures of future
<br /> ��T�:•�.;�.�;<�, • Escrow Items ar otherwise in accordance with applicuble law.
<br />��,� � The Funds sha!! bc held in an institutiun whose dcposits arc insured by a fedcral �+gency, instrumentality, or entity
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<br /> y�,,���.,,: _��_,r; (including[.ender,if Lender is such an institution)or in any Federal Home Loun Bank. Lcnder shall apply the Funds to p�y Uie
<br />�, Escrow Items. Lender may n�t churge Borrower for holding and applying the Funds.nnnually nnalycing the escrow uccount,or
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<br /> . �•�� verifying the Escrow Items,unless Lcndcr pays Borrower intcrest on the Funds nnd applicable Inw perniits Lcndcr to make such
<br /> " a charge. However,Lender may requirc Borrower to pay a one-time charge for an independent real estatc tax rcporting servicc
<br /> ' ; used by Lender in cannection �vith this loan, unless applicablc law provides otiierwise. Unless an abreement is made or
<br /> �• applicable law requires interest to be paid,Lendcr shall not be rcquireci to pay Bocrawer any interest or carnings on the Funds.
<br /> � �� Borro�vcr and L.ender may agree in writing, however, that interest shail be paid an [he runds. i.cncier�i�ati givc i��o��.,c.er,
<br /> � widiout charge, an annual accountin�of the Fwtds, showing credits and debits to the Funds and the purpose foe �vhich each
<br /> � debit to the Funds wus made. The Funds are pled�ed as additional security for all sums securecl by this Securiry Ins[rwnent_ -
<br /> " If the Funds hcld by L.cnder excccd thc amounts permitted to bc hcld by applicable law. I.ender shall account to Borra+ver
<br /> for the excess Funds in accordnnce with the requirements of applicable law. If the amount of the Funds held by Lender 3t any
<br /> � time is not sufficient to pay die Escrow Items when due. Lender may so notiPy Borro�ver in wnting,and, in such case Borrower
<br /> � . shall pay to L.ender the umount neceasary to make up the deficiency. Borrowe� shall rnake up the deficiency in no mor� than
<br /> , twelve monthly payments,at L.ender's sole discretion.
<br /> � Upon payment in full of all sums sccured by this Sec�uiry instrument, Lender shall prompdy rcfund to Horrowet any
<br /> � �,�� � �.:•,•�,,' , Funds held by Lcnder. If, undcr parugraph 21,Lender shall acquire or scll thc Property.Lendcr, pric�r ro thc acquisition or sale �"��
<br /> ' Y.:'••. of tl�e Praperty, shall apply any F��nds hcld by Lender at the time of acquisition or sale as a credit against the sums secumd by ___
<br /> :• this Securlty Instrument. °r-
<br />-• � , 3. Appltcatton of Payments. Unless applicAble law provides otherwisc,all payments reccivcd by Lcnder under paragraphs �ar_
<br />-'� '� I and 2 shall be applieci: first, to any prepayment charges due under the Note; second, to umuun[s payuble under paragraplt 2; �'
<br />' third,to intcrest due: fourth, to principal due:und last, ta uny latc charQes duc undcr thc Note. �� -
<br /> - 4. Char�es; Liens. Borrower tiBall pay all taxes, assessmcnts,charges, fincs and impasrtions attribuwble to the Property �:--
<br /> which may attain priority over this Sccuriry Instrumcnt, und leaschold paymcnts or ground rents, if any. 8onower shall pay ec:-=
<br /> these obli�ations in the manncr providcd in para�raph 2,or if nnt paid in thut manner, Borrowcr shal l pay them on time di rectly ���_�
<br /> ro thc person owed payment. Borrowcr shall promptly furnish to I..ender all noticcs of amounts to be paid undcr this para�reph. �'�
<br /> ' �° ' If Borrower makes thesc payments directly,Borrowcr shall promptly furnish to Lendcr receipts evidencing the payments. H`-'-
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<br />-,� Borrower shall pramptly disehargc any lien which has priority ovcr this Security Instrument unless Borrower: (a)agrces in .,-
<br /> writin�to the paymcnt of thc obligation securcd by thc licn in a manner acceptablc to Lcnder;(b)contcsts in good faith tt�c lien ,.. :
<br />��'� � :� , by, or defends against cnforcement of thc lien in, Icgal procccdings which in thc C.cnder's opinion operatc to prcvent thc
<br /> . ' enforcement of the lien;or(c)�ecures from the holder uf thc lien an agrcement satisfactory to L.ender subor3inating the lien to
<br /> , tliis Security Instrumcrn. if L.cndcr de�ermincs that uny part uf the Property is subject to a licn which maiy attain priority over
<br /> � this Securiry Instrwnent, Lendcr may givc Borrowcr a noticc idcntifying thc licn. Borrower shall satitfy thc lien or takc onc ar `
<br /> � more of the actions set fortl�above within 10 duys of the gi�•ing of notire.
<br /> •,' Form 3028 9190 -
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