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<br /> TUf;CTHCR lVIT1i nll�hc improvcmcnts na�,v on c�tcafter crccted an Uic propcRy,nnd all cascmcnts,appurtcrsan�cs, �md f , __
<br /> fix�ures mnv nr licreafter n pa�•t of tl�e pr��perty. �till rep{acen�ents and .idditiuns tihall ;il,u h� covcre�l I►y� this ticcurity � '�
<br /> .�-�^ •'-. ':-►„'�•,• � Instn�ment. All of thc forcgoin�is rcferrcd to in ihis Securiry Instrumen[�is Uie"Pmpcny." , :L
<br />--'-.�'v�:��'Rti��;;r7. RORR�WBR COV�NANTS thut Qurruwcr is lanvfulty sci+cd of thc estulc hcrcUy cuuvcycd and lias thc right to�;rant imd � ^ __
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<br /> _•..t.,, •.• convcy thc Property nnd thnt thc Property is uuceuumbcrcd, cxccpt fur cncumbrauccs of record. Borrower warrants und will „ ,
<br /> - --..;�.�,,,;,__;.,�� dcfend gcnernlly thc tetic to the i'raperry+��ninst all claims und Jemands, snbject to uny cncumbrances��f recc�rd. � ��
<br /> ; u-�r�a� TH[S SECURITY INSTRUMENT comhincs uniforiu covcnants for nutionul usc and nc�n-uuifbrm covenunts with limitcd „a. =M' �`-
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<br />�..r�Y,:�;:��;1.i,��, variations by jin•i�dictinn to constitut�a uniform sc-cm•ity instrument covcring mal proFcrry. ---
<br /> --:-`� UNIF�RM COVBNAN7'S. Borrower und Lendet covcnunt and agrca us fallows: ,, r''.
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<br />-- . '� 1. Payment of Princtpnl an�l Interest; Prepnyment nnd l.ate Chnrgcs. Borruwer shull promptly puy whcn due thc
<br />'������;.,,��..�q}�;; ;� principal of and intcrest on the dcbt evidenced by thc Nate und any prcpayment c�nd latc rhurgcs duc under thc Nate. • , : __
<br /> ,,`,:c°�' 't'� ;;'� 2. Cunds for Taxcs und Insurnncc. Subjcct to applicablc linv or to a written waivcr by Lcniicr. Qn�rowcr shall pay to -
<br />_';,��..,'::�._�}_. _ Lrndcr on thc day rnonthly payments nre duc under the Nate,until the Nn[c is paid in full, a sum("Funds")for.(��)ycarly tnxcs -_
<br /> '�Y�� und assessments which may attain priority over this Security Instn�ment as a lien on the Prupeny: (b)ycnrly Ieasehold payments �, �� -,•_ __
<br />_'"=�.a�r5=•� �''°� or round rents on tlic Pro crt if an (c)yearl hazard or ra �rt insurancc rcmiums;(d) carl flood insurancc rcmiums, �. . ��
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<br /> ' i;, , if any; (e) yearly mostgage insurancc premiums, if any;aiid(�uny sums payable by Burr�wer to [.ender, in accardunce with �� �;r� �4 +'�
<br /> �:: . the provisions of parugraph S, in lieu of thc paymcnt of mortgagc insurancc premiums. Thcse items arc calleci "Escrow ltcros." . �
<br />° � '' ' � Lender may, at uny time, callect and hald Funds in an amount not to exceed the maximum amount a Icnder fo:a fedethlly � `��:-
<br /> ,;';�,u >,:`^;.:��;�. ;«' related mortgage loan may require for Borroover'S escro�v accaunt undcr the federal Real Estate Settlement Procedures Act af �� .��:�.�
<br />_ .• .,�.1•_ ;�� �; t974 cs amcndcd from time to timc, 12 U.S.C.Section 2601 e�.mr�. ("RESPA"), unless another luw that aPplics to the Funds .'"�m%���
<br /> - ' • scts u lesscr amuuut. if au, I.endee may, nt nny firrtc. collcct and hold Funds in un umount not to cxceed thc Iesscr amount. `�°"'��'��i,::-_�r
<br />_,_. �� Lendcr may estimate the amount of Funds duc on thc basis of current data and reasonablc estimates of cxpenditures of futurc � ��;;�-,•�-��
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<br />- ' ' ` Escrow Items or othcnvisc in accordancc�vith u licablc law. •�''� - __
<br /> - •• The Funds shall bc hcld in an institutio P whose dcposits urc insurcd by a federal agency, instrumcntality, or entity ` '�`""_j'=
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<br /> • (including Lender, if L.cndcr is such an institution)or i►�any Federrl Home Loan Bnnk. [.endcr shall upply thc Funds to pay the " ;s��;;;�-r�
<br />�. Escro�v Items. I..ender may not char�e Borrawer for holding and applying tlie Funds,annually analyzing tlu escrc�w account,or := ,:,.
<br /> `"�� ''�� verif in thc Escrow Items, unless L.ender a s Rorrower interest on thc Funds and applicablc law permits I..cnder to make such -� �._
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<br /> ' :% - •"• .. a chtu�c. Howcvcr, L.cndcr may requirc Borrowcr to pay a onc-timc chargc for an indepcndcnt rc;il cstatc tux rcpoitin�scrvicc •.��,±��•��—
<br /> , used by Lcnder in connection with this loan, unlcss applicable law pmvidcs otharwisc. Unless an agrcemcnt is madc or ' --��
<br /> - • ' applicable law rcquires intcrest to bc paid. Lende.r shull not bc rcquircd to pay Bon•ower any interest or wrningc on the Funds. �`�'�
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<br />-'. . Borrower and L.cndcr may agrce in writing, however, that interes[shull bc paid on the Funds. L.ender shall give to Borrowcr, „ • -
<br /> " -. e.�... _ __ _.. ....� .............: .. �i:��� Cw�.1� .�Hn�vi a �.rrvlifc anrl rinhitc tn thC Fimdc:�nd thc ouraosc for which c:trh _��_'•
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<br /> � ° debit to the Funds was made.The Funds are pledged as additional securiry for all sums secun:ci by this Security Instrument. �''
<br /> � �� If thc Funds held by L.cnder cxceed thc amounts permiucd to bc he1c1 by appiicnblc law, I.cndcr shaU account to Borrower • •
<br /> ' � ' For thc excess Funds in accordance with the rcyuirernents o�applicable lau�. If the mnount of the Funds held by Lender at any � .
<br /> - . • time is not sufficient to pay the 6scrow Items when due.Lendcr may so notify Borrower in writing, and, in such case Barrower E _ "�'k:.r
<br /> •.� ,. sl�all pay to Len�er the amaunt �ecessary to make up the cletiriency. Bormwer shall make up the deficiency in nn more than ( �_. :�,��
<br /> _ �__�,.T�,,r.�:, „ twelve manthly paymenGS,at Lendcr's sole discretion. Y
<br /> _�,��,,,,�.y,., Upori payment in full of all suros sccured by this 5ecuriry [nstrument, I.ender shall promptly rcfand to Bormwcr any � '�,��� •
<br />- ,�;,,,;,.�.;;:. , Funds hcld by Lcndcr. If, undcr paragraph 21,I.�ndcr sh:dl acquirc or scll thc Property,Lcndcr, prior to thc uqt�isition or salc ; ��'' � ;
<br /> �+�+•�� � • of the Pro rt shall a I in Funds hcld b [.�ndcr cu thc timc of ac uisition or salc us a crcdit a ainst thc suirs xecursd b '�'�
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<br /> -� • this Security Instrument. ' � �� �
<br /> ='-��- � �' 3.AppBcutton of Piiymen�s. Unless upplicublc luw providcs othcrwisc,all payments rcccivcd by L.cndcr undcr paragr.iphs , ;�, ,
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<br /> __ _ ____ 1 and 2 shall bc applicd: first, to any prcpaymcnt charges duc undcr thc Nutc: sccond, to amounts payublc undcr paragraph 2: '� 't� v�
<br />,.�o.»'<•��,�- . . third,to intcrest duc: fourth,to principal duc:and I,ist, to any latc chargcs duc undcr thc Notc. " ;. � �g
<br /> � • �.Charges; Liens. Horro�ver shall pay all taxes, :uscssmcnts, rhurges, fines and impnsitions uttributable to thc Property ��i�! �
<br /> . `"`'" �vhic�� may attuin priorit�� over this 5ecurity Instrumcnt. .md Icaschold payments or erounJ rents, if any. Burrower shall p�y
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<br /> ,::,r,:,.� these obligations in thc manner provided in paragraph 2.or if not paid in thut manncr, Borrowcr shall pay them on timc directly . , . �`;
<br /> to the person owed payment. Borrowcr shall prnmptly I'urnish to Lcnder ull noticcs of anwunts to hc paid undcr this paragraph.
<br />�`'!'� If Borrower makes ciiese payments direcdy. Borro�ver shall promptly furnixh to l.snder receipts evidcncing the payments, �
<br /> ` . Borrowcr shall pramptly dischargc any licn �vhich hus priority uv�r this Sccurity Instrumcnt unless Borrowcr. (a) agrces in �2��,
<br /> �: writing to thc payment of tlic obligation sc�ureJ t�y the licn in a manner acceptablc to L.cndcr, (b)contcsts in good taith thc licn ��• i, •.r
<br /> -f' by, or defends against enforcement of the lien in. Irg,d proceedings which in the Lender's opinion aper.tte to prevau tlie '`
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<br /> � enforccment of thc lien:or(c)sccures frotn thc I�oldcr of thc lien��n.��recmcnt satisfactory to L.endcr suborciinating thc licn t.� ��
<br /> � � this Securiry Instrument. If Lender determiiies that an�p3rt of the Property is subject to s lien �vhirh may auaiin priority oveP � .
<br /> •� •+ this Sceuriry Instrumcnt, I.�:nder may givc Borro��•er a natic:c idcntifying thc licn. Borrower shall xatisfy thc lieu ur tukc onc or _ a
<br /> .� more of thc actions set fonh ubuve wiQiin 10 dayti uf thc�iving of noticc. . ;.�
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<br /> Form 3028 9190 ' ' `i�
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