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<br /> 1n�lniment.All uF thc fnregoin�is referred tn iri this Securisy Inqtrument as tht:"Nrc.�eny." '
<br /> IlU1tRC2Wi:R Ct.)'JnIVA2JTS that l�r�nc3wcr is lawf�dly uise:l 04'th�estatc h�r�:by cci�vcyec�and has:4�c right tn grant xrxf
<br /> c�nvey!he Pro}�crty;��xl that the f'roper�y is unencumUcral,txceut f�ar er�cu�nl�ranccs af reeord: Id�umwtr warra�tts ai�d wil!
<br /> d.fe+sd g�r.eralty tl�c tiete to thP!'ropeny:�eainst all daims u+hi demands,subject ro any o�icumbrancrs of recnrd.
<br /> � '11i(S SGCIJRITY INSfEtUMT.NT ca�nbines uniti�rni c+rvenants f'ur nalian�l use :utc1 non-t►niform covenants wilb li�r�iteil
<br /> �' variatiozis by jurisdiction to constitu�c a unifun�►secu�i�y i�ist,ur�nr�z covcrirg r:l pro�.�ny.
<br /> UNIFORM COVENhN7'S. Aorrower ard Lcncicr cc�venant and agrec as follows:
<br /> 1. ,Payment aP �rincipal mnd Yntemst; I'rcpay+�ent ntrd Late �Uar�es, Rorrower shall �iromptly pas� whcn due thc
<br /> pnncipal of und inxerast on�he debt evidencecf by the IVote und any prepayment cuid lat��hnrges due under thc Note.
<br /> 2. Funds far T�xes and Ins�u�i�ece.Sub}cct to applic.Rhto law ar to n wriUcn waiver by I.�nder, �on�o�ver fiIl:ilA r„y to
<br /> Lcnder on the dav�ronthly payments.arc du;:under the Note,until the Notc is pald in full,a sum("Funds")for.:(a) ye::z1)'taxes
<br /> and:►ssessments whicte m;�;uttain priority over this Security Instrumeat as a lien on thu Property:,h)Year�Y lease��old payrre�nts
<br /> or�rounci rc�nts oa�the Pi�bperty, if any;(c)yuuly hazard or property ir�surancc prcmlums;(d)ye:►rly flvcxi insur�nce prrmiuuu.
<br /> if any; (c)y�early morigagc inswaitce premiums, if n�iy; and(�any sums payable by Bonawer to L�nder,in accord�rece with
<br /> thc grovisians of para�raph 8. in lict+of'the paymerU of mort�;aFe ii3surance prenuums. Th�:sc items are called"Escmw items." _
<br /> !e:�der may, at any time, collect an�l hald E�unds.in an amount not to excec�d t9ie muxi�num uniount a lend�r foj•a fccicsally �
<br /> relatr.cl mort6age loale ��ay cequire for T3orrawer's�serow account under the federal Rc�! F;state Senienaent Proeedures'Aet of •
<br /> 1974 aa amcndcd fmm t°�e.to timc. 12 U.S.C. Se�tion 26U1 et seq. ("RL'SPA"),unless anotltcr law that applics to thc Fu�ids
<br /> sets a Iesscr mneunt. If sa, i.ender may, at any time, callect and hold Fuads in an amount not to cxrRed tlie lesser amount.
<br /> Lender may estimatc t1�F amount aSr Funds duc an tlic basi.s uf current dutn and reasnnable estimates of erpenditures af fucure
<br /> Escrow Items or otherwise in ac�ordance with applicable 11w.
<br /> Ti�e Funds shall be hcld in an institution �vhose deposits are insurod by �fedcral agen�y, insttunent;ality, or cntity
<br /> (including Lender.if Lender is such un institution)or in any r�ie►�.t Home Loan nanic. i.enue� anaii npply ti�e runus iv pay inc
<br /> Escrotiv Items.Lender may Rot char�e Burrower for hoiding unci appiying the rands,annu�iiy ztnalyzing uic csini�v ai�.v���'s,�; •
<br /> verifying the Escrow Items,mtless L.�n�ier p�ys Horrower intere;t on the Funds and epplica6le law permits[.ender to make sucli
<br /> a c�arga. Nowevcr,I.fnder may n:quire Borrower to pay u one-tiine charge for an indepe►tdent real estate tnx renorting scrvice
<br /> usecf by I.ender in cc..�n:ction tivi�h this loan, u4�9ess applicable law provi�es other�vise. Unless an agreement is made or
<br /> applieable law requires interest to be paid,f.eader shail not be required to pay Dorrower any inten:st or carnings on die Furzds.
<br /> Barrowcr and Lcnder muy agrec in writing, however, that iutcrest shall be paid on the Hunds. Lendcr shal! give to Banou�cr,
<br /> withuut charge. an annuaa accounting of tlie Funds, showing crcdits and debits to th�Funds and the pucpose for whicU each �
<br /> debit ro the Funcis was made.The Funcls are pledged us additionai security for all�ums secured by this Seeurity Instrument.
<br /> !f the Funds I�eld by L.ender exceed the amounts permitted to br,held by applicable law,I..�nder shtill accoune to Btorrower
<br /> for tl�e eacess F�inds in accordance with the requiremc:nts af applicable law. Zf the nmoun.t of the Funds helc�by I..cnder at any
<br /> time is not suff cient to pay the.F.scrow Items when due,r.ecvler m�y so nodfy ponower in writing.and, en such case Iiorrower
<br /> shall pay to Lender the amount i�ecessary to make up the deficiency. Sorrower shall mnF:�up the deficiency in no more thaa
<br /> twelve monthly payments,at�nder's sole discretion.
<br /> Upon payment in full of all sums sccured by this Securiry Instrument. Lender sh,l�l promptly refund to Borraicer a�iy
<br /> Funds t�sld by Lcnder.If,under paragraph 21,Lender shal!acquire or sell thz B'roperty,l.ender,prior to die acquisition or sale -
<br /> of the Prnpeny.sliall ;.;�piy a�iy Funds helcY by E.ender at the time of ncquisition or sale as a credit aAainst the sui�s secured by .. •
<br /> this So�*.rity Instrument. _
<br />_ 3.App!lcatiun of P'ayntents.Untess�pplicable law provIdcs otllenvise. alI payments rcceivcd by Lcnder undcr pry::;raphs _
<br /> 1 aixf 2 sh;�(Fie applied: �rst, ta any prepaym�nt charges due undcr the Note; sc.cond,to anwunts payablc under parabrnph 2; -
<br /> thicd,to intemsl due: fo�►nh,to princiPal duc;and last,to any late chnrgc:�due urtder the l�Tote. __
<br /> 4. Chargr.s; Liens. Rarro�ver shall pay all t:ixes.assessn�ents, cl�ar�;es. tines and impositians attribuGlble eo the Propecry �
<br /> tvltiCh tnay attain priority ovcr this Security lnstn!m�nt. and ieaschold p�yments or�round rents, if any. �orro�vcr shall pay _
<br /> thesc obligations in Qie mmmer pmvidrd in parugr.iph 2,or if not paid in.that maniner. Ilorr+o�vei•shall pay them on time directly _
<br />- to tf►e person o�vc,�1 payment.Aorro�vcr sliall ptnn�pNy fumish to[.endcr all noticcs of amoe�nts to be paid under this paragrapli.
<br /> )f Iforrower m�lccs thcsc p�ymcnts dircc2ly, Borrowr.r sh:il promptly furnish to l.c:nder neceipts evidcncing tl�e paynunu. _
<br /> Rorrotiver shall�ro7iptly disch;uge any lie���vhich I�as prioriry over this Security Instcument unless Borro��Lr: (a)agt�es in =_
<br />-. writii�to the[�ayment of the obligation sc�:ureJ by thc lien in a manner scm.ptabte to Lcnd�:r,(b)contests im guod faith the lien
<br />_ by. or defends against enforcement of the lien in, legal proceodings �vhicii in the i.ender's opinian operate to pre��ent the
<br />- enforcelnent of ths lien:or(c)secures fmm the holder of the licn an agr+�nient satisfsctory to Lender subordina►ing die lien ro °
<br /> this Sec�arity i�utrumen�i. If Laidcr determines that any par4 of the Propc:rry is subject ro a lien�vhich may attain priority over _
<br />- this Sectrcity Lutcument, �.e�ider may�ive Sorrmver a natice identifyii�g the lien. florrower shall satisty the lien or take one oi
<br />- mon:cY:t�c�ctions sct forth�bovc within 10 days oE the giving of noticc.
<br /> Furm 3Q20 �J190
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