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<br /> TO�ETl11?R W1TH nll tlic improvements now or herc,�fter crccted on thc p;operty, and ull cas �xicnSS,appurtciuncee,ui�!
<br /> Cxtures rww or her�aRer n pan of the property. All rcpluccn�ents c�nd :xldittons sh�ll also bc c>nvered b�r Ihis �ccucity
<br /> InstninKni.All of thc f'oregoing is referred tc►tn this 5r,curity Iiistrumcnt�s thc"Propc�ty."
<br /> BORROW�R C�VENANTS that Borcowcr is Iawiulty sciscd ot'th�cstatc htrcby canvcycd and iias tiic rigiu tu gr:+�n n��d -
<br /> 'eonvey the Property �nd that the Propeny is unencumben�cl. e�cetpt for encmnbi�anees of reconl. Barrower warrants and will
<br /> dcfcncl ge�xr�lly the titic ta the Fraperty aguinst all clnims and demands,subjcct to�ny encurn4ranccs of rcconl.
<br /> THrS SECURITY INST�.UMENT combines unifomi covenants for national use nz�d non-uniiorn�covenants witt� lim�ted
<br /> variations by jurisdictifln to constitutc a uniform sccurity instcument cavcring neal property.
<br /> UNIFORM COV£NANTS. f3orrowcr��x!Lender covenant and agree:►s follows:
<br /> l. �'ay�rnent ot Princi�l and Interest; i'e+epAy�ncnt and�.ate Ciu►rncs. Bonowcr shall prompNy pay wl�ei� .lue Ytte ---
<br /> ptincipal �(and interest on the debt evidenced by the Noie ond any prep�yment and late charg�es dee«�xler tha Note.
<br /> 2. F�►ntis for'i'axes a�rd In�vranee. Subject tn appficable law or to n written waiver by Lender, Borrawer siiall pay to
<br /> Lcnde�•on the day monthly p3ymcnis ure d::e under the Note,until the Natc is paid in full,a sum("Funds")for: (�►)yenrty taxes
<br /> a��d assesso�ents which may atti�in prioriry over this Security Instrument as u lien on the Property;(b)y�rly Ic.�.sehold payments
<br /> or ground rents on the ProFerty,if any;(c)yearly hazard or property insurance premiums;td)yearly flood insurnce preaniums,
<br /> if eny;(e)yearlyr mort�e insura►►ce premiums,if any; and(fl any sums payable by Bo�rawer to Lender, in accardance with
<br /> the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums.These items are called "Escrow Items.'
<br /> Lender may, at any time,collect and hold Funds in an amount not to excced the niaximcm amount a lender for a Feder.illy _
<br /> related irtartgage loan nwy reguire for Borrower's esecow account undcr thc federal Real Estate S�ulement Procodures Act of _
<br /> 1974 as amcnded from time to timc, 12 U.S.C. Section Z601 et seg. ("RESPA"),unless anothcr law that applies to the Fu:tids
<br /> sets a Icsscr a:nount. If so, Lender may,ai uny time, eollect and hold Funds in an amount not to exceed the Icsser amount, —�
<br /> Lcndcr may estimate tlie �muunt of Funds duc on the basis of currcnt data and reasanable estimates of expenditures of future
<br /> Escrow items or atherwise in accordance with applicable Inw. —
<br /> The Fu�nds sLall be held in an instiwtion whose deposits arc insured by a fcdcral agcncy, instrumcntality, or entiry �R:
<br /> (includins Lcnder,if C.ender is such an institution)or in any Fecicral Home Loan Bsnk.Lendcr shall apply the Funds to pay thc __—
<br /> Escrow Items.l.ender may nat eharge�rc�owee for holding and applying the Funds,annually analyzing the escro�v accc,unt. or
<br /> verifvine the Escrow Iterns,unless Ixnder pays Dorrower interest on the Funds and applic:sble law permits Lender ta make s►�ch s=
<br /> a charge. Nowever, I.ender may require Borrower to pay a one-time charge for an independent real estate tax reporting service _
<br /> usui by Lender in comtection with this loan, unless applicable law provides otheiwise. Unless an agrcjement is made or l�;�
<br /> applia�bie law requires interest to be p.ud. Lender shall not be required to pay Borrower any intcrcst or e.�min,s on thc Funds. ��'=
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<br /> Borcower and Lender may agree in writine,ho�vever, that intcrest shall bc paid on thc Funds. Lender shall give to Borrower. !�`,,,,w<
<br /> without char�e, an annual acwuntino of the Funds, showing credits and debits to the Funds an�the purpose for +vhich each r.�_,.
<br /> debit to the Funds was made.The Funds are pledged as additional securiry for all sums secureci by this Securit�•Instrument. �'�i`"
<br /> If the Funds hcld by Leraier exceed t}�e amaunts permitted to be held by applicable law, Lender shall account to Bonower ���"�'
<br /> for the exccss Fun�is in uccordance with the requirements of applicable law. If the amount of the Funds held by [.ender at any
<br /> Gme is not sufficient to pay the Escrow Items�vhcu due. Lcnder may so notify Borrower in�vritiR�,and, in such case Borrower �
<br /> shall pay to l.ender the amount necessary to make up the deficiency. Borrower sh:ill make up the�eficiency in no more than �
<br /> t�vclve nzonthly payments,at lxnder's sote discretion.
<br /> Up�n payment in full uf all sums secured by this Securiry Instrumenl, Lender shall promptly refund to Borrower any
<br /> Funds held by Lendcr. If,under paragraph 21, Lender sh111 acquirc or sell thc Property, Lcnder,prior to the:�cquisition or sale '
<br /> of the Pr�perty, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Security Inswment.
<br /> 3.Apglicntfon ot Payments.Unless applicable la�v provides otherwise,all payments reccived by Lender under paragraphs
<br /> l and 2 shall bc applied: first, to any prepaymcnt charges due under tl�e Note: �c�ond,to amounts payablc undcr para�raph 2;
<br /> third,to interest duc;fourth,to principal due;and last, to any late charges due under the Note.
<br /> 4.Charges;Licns. Borrower shall pay a!I taxes, assessments, chargc.�, fines and impositions attributable to thc Property
<br /> which may attain pitiariry over this Serurity Instrument, and le:uehold payments or gruund rer.ts, if any. Borro�ver shall Qay "
<br /> these obligatians in the manner provided in parsgruph 2, or if not paid in that manner, f3orrower shall pay tliem on time dircctly „
<br /> to the person awcd payment. Borrawcr shall promptly furnish to Lendcr all noti�es of amounts to bc paid undcr this par.igrapli.
<br /> If Bonower rnakes these payments directly, Bonower shall prumptly Furnish to Lender receipts evidencing the payments
<br /> Bonower shall promptly discl�arge any lien�vhich h�s priority over this Security lnstrument unless Borco�ver: (a)a�erces in
<br /> writing tothe payment of the obligation secured by tlie licn in 3 m:umer acceptuble to Lcndcr, (b)conte,ts in�ood faith thc licn
<br /> by, or defcr.ds aguinst enforcement of Uic lien in, Iegal proceedings whirh in the Lcnder's opinion c�perate to prevent thc
<br /> enforcement of the licn:or(c)se.cunes from thc holdcr eif thc lien un agrecmcnt s:,tisfactory to Lcndcr suborciin�ting thc lien to
<br /> this Sccurit Instrument. If l.endcr d�urmincs tl�at an an of thc Pro rt �s sub'cct to� licn which ma ,�ttain riorit ower �
<br /> Y Y P R� Y � J Y ' P Y
<br /> this Sccuriry insuumcnt, Lender may give Borrotver a notice identifying the licn. Borro�ver shall satisfy the lien or take one or
<br /> more of the actions set fonl�above within 10 days of the giving of notice.
<br /> Form 3028 9190 I
<br /> PCpO 2 0l O
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