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<br /> " 'CQG[:THI:Ci�'�/11'il all litc i��i�ruvcmcniti nu�v or hr.rcaftcr crrcted nn thc[�roperty.aeid ti��cascments, apputlatcfitc2�;, and ..- --,':
<br /> fixtur�s no�v nr h�reaflcr a e�,irt uf t�ic pruperty. All rcplaccmrmti ani! aJdi�iuns +hnll :dtia hc rovcrrd hy Ih��, Sccurily .
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<br /> ' inslrumcnt. All c�f thc fnrct,oing is rctcrrcd u,in this Sccurily lustrumcnt ati thc"Pr��perry." , .,.z_
<br /> O �� i30RROW�R COV�NAN7'S thnt t3nrruwcr is 1u��1fully sciticd i�f Ihc cs�atc hcmby runv�ycd imd has thc ri�ht ta�rant iind �t, ', :'�^V'_,-
<br /> „ , convey the Pruperty �uid Eliat tl�e Property is unencumhercd. exce��t ti�r encumbr�ioces uf' rea�rd. {lon���wer �vuPmnts mtd will : .:°;:°.F.;H,:z_.
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<br /> ` �. . dcfcnd gcncinlly tlic tiQc to thc Prc�pcny���idntit ull cluims;uid dcnr.md�,sui�jcct tn any cncumbranccs„t'recurJ. .;4z,,��,,� ,,.,;,;s
<br /> ' THIS SECURITY INSTRUMCNT combincs uni(orm co�•cncuns fi�r nadnnal usc and rn�n-unifonn covcnantw with limitcd ,: . � �—
<br /> . v��riations hy jurisdicuon to crnntnutc a uni(unn.��uriry in+trmacut.uti•cring rcnl prc�pcny. � ��.,.:,. ...,.. �-_--
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<br /> UNIFORM COV�NANTS. E�urru�vcr und I.cndcr cuvcnant u�iJ abrcc us fi�llnw,: ,�;�,��,,�,:_�:
<br /> 1. Payment of Princlpal atid Intcrest; 1'rcpaymcnt and Lute Chary;es. Horro�v�r slt:Jl prnmptly pay �vhen cluc thc .�• •_-,.. J.-�a.*.:���
<br /> principal of and intcrest on thc dcbt cvidcnrcd by thc Nuic and any prcpayment and latc:hurgcti duc undcr thc Nutc, • �, fy:�;
<br /> .. 2. �unds for Taxcs and Insurunce. SuUjcct t��applicaUlc law��r to a writtcn a�aivcr hy l.cndcr. Bnrrowcr shull p�Y to �.' - �:
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<br /> Lcndcr on thc day monthly payments urc duc undcr Qic Notc, until Ut� Notc is p:tid in full, a sum("Fundti"1 tiir. (+U ycarly taxcs L„
<br /> � ., and:asscssmcnts which may at[ain prioriry uvcr this Security In�m�mcnt:�.s u licn on thc Pmperty;(h)yc.irly Icaschnld{Saymcnts 'r, •. " -��
<br /> or ground rents on the Propeny,if amy: Ic)ycarly h.a.:ird or property insurance premiunts: lJ)yearly flood insur:ince premiums, �. , -
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<br /> ' if any: (c1 ycarly martgage insurancc prcmiumti, if any: and (fl any sums pay.iblc by Borrower tc� l.cndcr. in urcurdancc�vith . • .,, , '' '���
<br /> • thc provisions of paragraph R,in licu of thc paymm�t of mon�age inyurancc prcmiums.Thesc itcm.arc rallcd"Escrow Itcnis•" �. ., .. . . - ,, �.
<br /> Lender may. at any time, collcct and hold Fund, in an amount not to exceed thc maxinmm amouut a Iender for a fcalcrully . 4
<br /> - related nzortgage loan may require for Bnrro�ver's cscro�v account under the fcderal Real E�tate Settlemcnt ProceJures Act of � . ,..,. `
<br /> - 1974 :u amended from�imc to timc, 12 U.S.C. Section 2601 ���seq• l"RESPA").unlcs�another law that applics to thc Funds ,.,.��,` . ';�
<br /> sets a Icsser amount. If so, l.cndcr may, ut any timc, rullcct an�i hold I�undti in sn amount nul Iu�r�eed thc Ir.sscr amount. . �, ;���.
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<br /> I.ender may estimate thc amounc uf Funds duc �n thc basis of currcnt data and reasunable cstirnatcti of expcnditures uf futurc , . .,_
<br /> Escrow Itcros o�•othenvisc in accordancc�vith applicahlc law. ", """""��" ___
<br /> The Funds shall be helJ in an instiwtion whose deposit� arc insurcd by a fcderal agency, instrumentaliry. or entity ", �;�. � �
<br /> (including l.endcr, if lAndcr i+such an insiitution)or in any Pcdcr.d Homc l.uan Bank. L.ender shall apply thc Funds to pay thc � • '� ;� `
<br /> ' , • Escrow[tems. Lcndcr msy not chargc Borrowcr fur holdinF and applying thc Funds, annually analyiing thc csrra�s acrnunt,or ,��
<br /> •. ^ vcrifying thc Escrow Items, unlc�s Lcnder pays Borro�vcr intcrest on thc Funds and applirable la�v permits L.endcr to makc such `` `��.
<br /> a charge. 4-lowcver. L.ender nr,+y require Borrower to pay a one-time charg�(or an indepcndent real es�ate tax reporting service ,�;���'
<br /> ;; .. used by L.ender im m�nection with this loan, unletis applicablc law provides ulh�nvitie. Unless an agreement is n�ade or , ��'
<br /> applicable la�v reyuires intercst to bc paid. l�e:nder shall not bc rcyuircd to pay Barrowcr any interest��r eamings on the Funds.
<br /> � Borrower and L.endcr may�grce in�vriting, howcvcr, that interctit shall be paid un thc FunJs. Lendcr shall giv�to Borrowcr, rr, � �_
<br /> � . • WIIhPUI C�18tFC. an annual accounting of thc Fund�. show�ng crcdn� anu ucnii, iu iuc f'u�iva .iiiu i1i� j�u�j.:%:;:: �.^,: Y-,1::�1: �nrh __ .�.+��'� -.
<br /> debit to the FunJs was made.The Funds are pledged•rs addition�l �erurity tiir.ill�unu�ccurcd by this Security Instrument. t.y�,�, .
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<br /> � ' If the Funds held by L�:nder exceed the amounts permitted to be held hy applicahlc law. L.cnder�hall account tc�Borrower � �
<br /> for the excess Fwids in accordance with the reyuirementti of applicable law. If the anwunt of thc �unds held by I.�nder at any ��
<br /> time is not sufficient to pay the Escrow Remti when due, Lender may �o notify Harruwer in�vriting,and, in sunc�ase Borrower ''•
<br /> shall pay to L.ender the amount necessary to make up the deficiency. Borrowcr tihall make up the detiricncy in no more than
<br /> ' . •• t�vclve monthly payments,at I.cnder'ti+ole discretion. .
<br /> , Upon payment in full of all sums secured hy thiti Security In,tru►nent. L.endcr �hall pmmptly refund tu Borrower any ,_
<br /> ��• . Funds hcld by L.cndcr. If,unJcr pangrsph 21. I.cndcr tihaU acyuirc ur+cll thc Property�. Lcndcr, prior to thc aryuisitiun itt salc ,
<br /> of the Property,shall apply any Funds held by Lender at the time of acquisition or s:de a�a credit against the �ums secured by ` ;.,�:�
<br /> ,. this Sccuriry Instrumcnt. I �
<br /> " ° 3.Appltcation of Payments. Unlc+s applicable law pro��ide�otherwise,:+II payments nceivcd by Lender under paragraphti �
<br /> 1 anJ 2 shall be applied: first, to any prcp:�yment charges due unJer thc Nutc: �ccond, to amounts ►�abfe undcr ara_ra h 2: . ����-
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<br /> ' third,lo interest due:fourth.to principal ctur:and la�t. t��un� I:ue charEes Juc undcr the Nuu. • .
<br /> �� 4. Char�es: Y.iens. Bnrrowcr�1�all pay all taxes, assc.siticnts, rharEc�. fincti anJ itnpo,iticros attributahlc w the Prnperty . ,
<br /> � whirh may attain pnoriry ovcr chi� 5ecurity hititrununt, und Icatichc�ld paymcn►. ur�r��und rent�. i( any. B��rrowcr st�all pay �
<br /> thesc oblieation>in thc manner pm�•ided in paragraph 3,ur if nat paiJ in that manncr.B��rrnwcr tihall pay thcm un timc dirccdy �' .
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<br /> ..��', to thc persan owcd paymcnt.Rurrowcr tihall promptly lurnah tc� Lcndcr all nutir«��f amuuntr tc�hc paid undcr this paragreph. � f,
<br /> •• ° If Bon•ower makes thcu paymcntti Jirectly.Burrower�h.dl pr�m�ptly furni�h tu lAndcr reccipt�cvidencing thc pa>•incntti. •�
<br /> � Borr�nver shsll prumpUy disrharge any lirn��•hirh has priorit}�����cr thiti Seruriry In�trununt unlr,s Bc�rrowrr. lal:�grec,in '< ►.
<br /> . writing to the payment of thc obli�atian xccur�d by thc licn in a manncr:rcrcptahlr tu Lcnder:(hl cuntctit> in good faith thc licn 'k. ,, . �
<br /> by. ur defends against enforccment of thc licn in. Icgal prurcrdin�� whirh in thc Lendcr'� ��pinion uper.itc a� prcvcnt the '•'.,
<br /> - enforceutent of the lien ur (c)ticcure�from thc huld�r i�f the lirn an :�greemcnt>ati�fartury tu L�:nJer whordinaling thc lien ti�
<br /> . this Scrurit�� [nstrument. If Lcndcr drtcrminr� that any parc uf thc Proprrt}� i� tiubjcct tu a licn �vhirh mu} attain {,riorin��,�•cr .
<br /> thiti Sccurity Instrumcnt. Landcr may givc B�irru�t•cr a nciticc idcntiFying the licn. E3urruw�r shall �atitif} Ih.lirn ur�c+k��,nc or '
<br /> murc of thc actions sct forth abovc�vithin 10 dayti uf thr gi�•inE��f n��tirc. , �
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<br /> , ` . • Form 3028 9190
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