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+ __ .- . . . ._. ' �' _ • _. _._. .__ .. . . . , �Qfl�`f�I�� C�rliChs 811� ' TO(3ETHBR WITH nl.l tho impravcnknis now at hertaftzr are,cted on tlio pmperty.and sc . ptx� �ixtures ttntiv ar IicrcaRcr o patt af thc pro�sccty. All repl¢ceanents und addltioc� shall utso he mvered by thts Security .._ I��strument.All af the foregajng is refcrred tn ln thls Sccurlty Ins►rumpnt tt�the"Pmperty." • BOitRQW�It COVBNANTS thnt 8orrowcr ia lawiblly scisai of the estc+tc hercby oanvayed und hn.s the�ight ta grru�t atxl convcy tha Praperty n�tl�at eho Prope;ny ia uncncumberttt, except for encumbmi►ces af nxurd. Borrower warrants and will defend generally the titlo ta tho Amperty again.4t all claims and denwnds.subject to any encumbrances of rceord. — TlilS SECURITY INSTRUM�SNT combfnes uniform mvenantx for natiorta!use und non-unifaem covenants wich limitod variationa by,�urisdi�tiiun tu�wnytkute u unifun►�r�ecurity iusuument cavering rcul pruperiy. �_- IJNIFQRM(:OV�NANT9.Barrower und Lemdcrcovennnt artd agt�e as follows: 1. PAyment ot PrincipQi and Inierest; Pnp�yment and Late Clwrges. Borrower shall promptly pay when due thc pdncipni of And intcrest on the debt evIdenced by the Note and any prcpayment und late charges due under tho Note. 2.Ftitteds for Tnxes Artd Insutytnee.Subject to npplicuble tow ar to a wr�ttc+n wuiver by L,ender, 8orrower shuq pay eo I.ender on the day mopthly paymenls are due under the Note,untll the Nate is paid in tLll.u sum("Funds")far:(a)yearly taxes und u��sessments which nuiy uttatn prlority aver this Securlty Instrument as a Iten on thc Property:(b)yearly leasehold puymeRts ---- or graund rents on the Property.if m►y;(c)yearly huzard or property insurnnce premiums;(d)yearly flood insumnoa pnmiums, if uny:(e1 yearly mo�tguge insumnce premium.�.if any; and(�any sums payable by Borrower to Lertder, in uccordance witt� ----� the pmvisians of paragraph 8, in lieu of the payment af mort�age�nsurar►ce premiutns.These items are called"Frcrow Iteins." l.ender may. at any time. collect and hold Funds in an amauat not to exc.ePd the maximum umoun[ a lender far u federally related mortgage loan muy require far Borrower'a escraw nccouat under the federa! Reat Estate Setdement P�utes Act of 1974 as amende�from time to time. 12 U.S.C. Sxtion 2601 et seq. ("RESPA").unless anoiher!aw thnt applies to th�Funds s�ts a(esser umount. tf so. Lender may. at any time,collect and hold Funds in un anount not to excecd the lesser umuunt. � Lender may estimate the amount of Funds due on the basfs af current data c�nd reasonnble estimetes of expenditures of future Escrow[tems ur u0�erwise iu uuvr�ta��c�witl�uNpllc:�ble law. « .._ The Funds shall be held in an institution whose deposlts are insured by n federat agency, instrumentality. or entity (including Lender.lf L.ender is such en instituNon)or in any Federal Homc Loan Bnnk.Lender sha11 apply the Furtds to pay the __ _ Escrow Items.Lender may not charge Borrower far holding and applyin�the Funds,annually analyzing the escrow account,or ver�fying the Escraw Items,untess Lender pays Borrower interest on the FuRds and applicable law permits Lender to make such — a charge. However,Lender may require Borrower to pay u one-time charge for an independent ren!estate tax reporting service usai by Lender in cunnectlon with this loun, unless applicable law provides othcrwise. Unless an agreement is mede or applicabl�e luw requires interest to be paid.Lender shal�not be required to pay Borrower any interest or eamings on the Fund.c. Bonnwer and Lender may agree in writtns. however,that interest shail be paId on the Funds. i.ender shall give to Borrower. --- without charge, an annttstl uccounting of the Funds. showing credits�nd debits to the runds and the purpose for which each ` - debit to the Funds was made.The Funds are pledgod as addittannl secudty for all sums secured by this Security Instn�ment. If the Funds held by I.ender exceed the amounts permitted to be held by applicxible law.I.ender shall account to Buno�ver _ for the excess Funds in accordunce with the reyuirarnents of applicable law. If the amount of the Funds held by Lender at any -- t�me is not sufficient to pay the fiacrow Items when due. Lendsr may so notify Borrower in wrlttng,and.in such case Borrower , . shell pay to Lensier the amount necessary to make up the deficiency. Borrower shall make up the deficiency In no more than - twelve monthly payments.at Lender's sole discrepon. Upon payment in full of all sums secured by this Securlry Instrument, L,ender shall promptly refand ta Borrower any = Funds held by Lender.If. under paragraph 21,i.ender shall acquire or.sell the Property.Lender.prior to the acquisition ar sale � af the Property. shall apply any Funds held 6y Lender at the time af acquisition or salc as a credit uguinst the sums secured by �___ ... thls Security Instrument. 3.Application of Payments. Unless upplicuble la�v provides otherwise,all payments received by L.ender under paragraphs �;�_ (and 2 shal l be applied: first. to any prepayment charges due under the Note; second,to amoums payable under paragraph 2: �,��__ thiM.to interest due; faurth,to principal due;ar►d last,to any late char�es due under the Nate. �:::'- 4.Charges;.Liens. Bonower shall pay alt taxes,assessments,charges.fines and impositions uttributable to the Property =_ wl�ich may attain priority over this Securiry Insuument, and leasehold payments or ground rents. if any. Borrower sh�il pay :� these obli ations in the manner rovided in ara ra h 2,or if not aid tn that manner.Borrawer shall a them on time directl ��' 6 P P S P P P Y Y ��s to the person owed payment.Borrower shall prompt ly furnish to Lender�Il notices of amounts to be paid under this paragrnph. - If Horrower makes these payments directly. Horro�ver shall promptly furnish to Lender mceipts evidencing the paymen�s. `�" Borrower shall promptly discharge uny lien wh ich has priority over this Security[nstrument unless Borrower: (a)agrees in writing to the puyment of the obli�ation secured by�he lien in a munner acceptnble to Lender:fb)contests in good fnith the lien . by, or defends against enforrement of the lien in, legal proccedings which in the Lender's opinion operate to prevent the ' enforcement of the lien;or(c)securc�from the holder of the lien an a�reement satisfactory to Lend�er subordinating the Iten to •� thls Security Instrument. if Lender determines thet any part of the Property is subject to a lien which may attain pi7ority over this Security Instrument, Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or more of the sctians set forth above�vithin(0 days oY the giving of notice. ._, trorm 3028 9190 voyo 2 ot s .�. ..._. --�+ -