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<br /> � TODETHER WITH aU thc improvemr.nts now on c�rcafter crected on thc prope�ty, und.dl cusemcnts, appurtenanccs,cmcl �y_.
<br />-`� fixtuces nuw or hercaf'ter a pnrt of thr, prnperty. All replucements nnd ndcli¢ions st�ull alsn he ciwercd by Uifs Security �;_,d-
<br /> Instrument.All of the forc6c►Ing is referred to in tt;fs Security Insirumcnt ns thc "Nro{x:ny."
<br /> � IiORROWER CO'1I�NANTS tl�ut llurru�vcr is It►�vfully sciscJ of thc csintc hcroby convcycd nnd h.is dte right tn grnnt nnd �,„;x_
<br /> � canvey the Pr�uperry nitid tl�ut tlie Propeny is unencumbered, exeept for cncumbrnnces ut'recard. ti�irr�tiwcr wnrrams nnd�viU `-
<br /> defend gcncrally the ti�lc ta the Property agulnst nU cluimc und dcmuadr•,subjcst to nny cncumhrnnces of rca►rd,
<br /> -:_ 'fHIS S�'CURITY INSI'RUMt:NT cumbmcs unifarn�covenams for ntutonul usc nnd non•unift�rm covcnm�ts with flntitcJ
<br /> ,�, vnrintions hy jueitidictiun io cunstitutc n unifonn sccurity instrument covcring rc�l prnperry.
<br /> �� UNIFORM COVF�NANTS.Horruwer uttd I..cndcr rovcnant iind usrcc us follotvs: __
<br /> = 1. Paymcnt oP Principai nud Intcrest; f'rcpayment and I.utc Charg�. Borro�vcr�:holl prompUy pay wh�n duc thc
<br /> _- prhicipal oi nnd interetit.m the debt evidenced by the Note and uny prepayment and late charges due ur�dcr the Note. "-
<br /> -- 2. Funds fur Taxes und �nsurancc. Subjcct to applicablc luw or to a writtcn waivcr by l.cndcr, Bnrrowcr shall pay tu
<br /> -�� Lendcr un the dny monthly paymcnts arc duc under thc Note.until the Note is paicl in fuli.a sum("Funds")for. (a)ycarly t�xcs
<br /> � and assessmcnts whicli may attain priority o��eti•this Sccurity Instrument as a I�en on the[�roperty;(b)yearly Ieasehold payments
<br /> — or ground rents on the Praperty, if nny;(c)yearly ha�rd or property insurance premiums;(d> ycnrly iloal insurance premiums,
<br /> -- if any; (c)y�:arly mortgage in5urancc premioms, if any;and(� ac�y sums payabic by Borrowcr to l.cndcr, in accord:�ncc with
<br /> "'� the provisians of paragraph 8, in lieu of the puyment of mortgage ensurance premium�.These items are caqed"Escrotv Items." . _ _
<br /> � Lender may, at any time, eoUect and hold Funds in an amounY reot to exccecl the maximum amount a Iender for a fedemlly
<br /> �.i� related mort�age loan may rcquirc for Borro�-er's escrow aceount under thc federal Real 6stats Setdement Procedures Act of —
<br /> _,� 1974 as amendecl from time to timc. 12 11.S.C. Section 2601 er scq. ("RESPA"),unless another law tnat uppli�.�tu ti�i;,^•unds `--
<br /> sets u lesser amount. If su, Ixnder a�ay, at auy tir�ie, co!{ect and hold Funds in an amount not to excced the lesser amaunt. __
<br />•:;.� Lender may estimatc the�mount of Funds due on tha basis of current duta and re;:sanablc cstimates of cxpenditures of future
<br /> Escrow Items or otlienvise in accordance with applicable law.
<br /> `�� The Funds shall bc held in an institution whose dcpnsits are insu.ecl by a federal agency, instrumentaliry, or entity
<br />- ('inclutliug ix�iJei. i�L.��I�CP ii SUCh tui liiatiiuiiuu}u� iu auy ;•�:ieral iiuri�c Waii Dd�ik.[..Cr�d:.r shall upply t41e Fuiids tC p�y tlte
<br /> Escrow Items.Lcnder may not chnrge Borrower for holding and upplying the Fuuds,annually analyzing the escrow account,or
<br />_V:� verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applia�ble law permiu Lender to mnke such —
<br /> _ a.^ha:n�, Hn:e���r,L`P��i!l�3� rr���irr Rnrr�wer rn�ay a one-time charee for an independent rc:il estate t:tx reparting,ervice
<br /> used by l.ender in conncction with this loan, unless applicable law provides otherwise. Unless an agreerr►ent is made �or
<br />° applicable la�v rcquires interest to bc paid,Lender shall not bc required to pay Borrowcr any inter�st or earnings on the Funds.
<br />= Borro�ver and Lcnder may agree in writing, however, that intemst shali he paid on the Funds. Leader shaU give to Honower,
<br /> without charge, an annual accounting of the Funds, showing credits and debits ro the Funcis and the puepose t'or which each -
<br /> debit to the Funds was made.The Funds are pledged as additional security far all sums secured by tliis Security Hnsttument. _
<br /> ° If the Funds held by Lender excceii the umounts permitted to be he4d by applicable law, Lender shall account to Borrowcr
<br />�� for the excess Funds in accordance with the requirements of applicAble law.If the umaunt of the Funds held by Lender at nny '
<br /> tiine is not sufficicnt to pay the Escro�v Items when Juc.Lcndcr may so notify Borrower in writing,and,in such cuse Borrower
<br />„�� shall pay to Lender the amaunt necessary to make up the deficiency. Borcuwer shull make up the deficiency in no more than --
<br /> twelvc monthly paymenu,at Lender's sole discrction.
<br /> Upon payment in fuU of all sums secured by this Sccurity instrument. Lender shall promptly refund to Borrower any .--�
<br /> ��:��� Funds held by I.endcr. If, under paragraph 21,La:nder shall acquire or seU thc Property, Lender,prior to the acq�isition ur salc F=
<br /> of the Pmperty, shull apply any Funds hcld by Lender at the time of ac.�uisition or sale as a credit aglinst the sums�ac4•n�l!:f
<br /> -- this Security Instrument. �� -
<br />-:� 3. Applicattun of P�yments.Unless upplicuble law provides otherwise.ull payments received by I.ender undc�paragraphs
<br />:.-_� I and 2 shall be appli�d:first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2:
<br /> third,to intcrest due: fourth,ro principal due:arid last,tn any late churaes due undcr d�c Note. _
<br />�-: 4. iChargcs; l.lens.Bo��rower shall pay all taxes,;wsessments, charges, tines and impositions attributable to the Property
<br /> i� which may attain prioriry aver this Sccurity 4istrument, und Iwschold payments or ground rents, if any. Borrowcr shall pay =__
<br /> thesc obligations in the manncr providcd in paragraph 2,or if not paid in that manncr,Borrowcr shall pay them on time directly ;�
<br />=' to thc person u�ved payment. Borrower shall pramptly furnish to L.cnder all noticcs uf umounts to bc paid undcr this paragraph. �,y=
<br />�'�" If Borcower makes these payments dircctly,Borrower shall pmmptly fumish w Lender receipts evidencing the payments. �i�=�;
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<br /> Tiorro�ver shull peomptly discharge any lien which has priority over this Security(nstrununt unless Borrowcr.(a)agrees in '?_-
<br /> �� writing to the payment of thc ubligation securai by th�lien in a nuiimcr acccptablc to Lcndcr;(b)rontcsts in goai faith the lien `-"��
<br /> n, by, or dcfcnds a�ainst enforcement of the licn in, Icgal procccdings which in thc Lender's opinion operatc to pmvcnt thc
<br /> enforccmcnt of thc licn:or(cl se�ures from thc holdcr of thc lien an agrcemcnt satisfactory to l.cndcr subordinating the lien to �
<br />`.��Y this Security Instrument. if Lendcr determines dia:any part of the Fropeny i, ,ubject to a licn which may attain priority over .
<br /> :+'� tl»s Security Instrumcnt.Lcndcr may givc Bonowcr u noticc identifying thc licn.B��rruu•cr�liall +atist'y thc licn or takc onc ar ,
<br /> u=� more of the actions set forth above within 10 duys of the giving uf noticc.
<br /> Form 3028 9190
<br />>.ti. Popo 2 0�6
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