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<br /> TOC3ETtiER WITH u11 the improvements naw ar hereafter erected on the property, and ull euseme����es,und
<br /> fixt�ares now or hereafter � p�rt ni the pmpi:riy. All replucements and udditions shall ulFO be cavered by this Security _
<br /> Instruinent. All of the foregoing lx referred to in this Security Instrument ua the"Property." =
<br /> BORROW�R CQVENANTS that Harn►wer ia lawfully seise�of the estate hemby cat►veyed nnd haw thc right ta grunt and
<br /> convcy the Propeny tu►d that the Property is unencumbere�,except for encumbrances of record. Borrawer wurrun�a and wiil
<br /> defend generully the tide to the Property ugainst all claims and demunds.subject to any encumbrancca af�ecord.
<br /> THi5 SECURITY iNS'fRUMBNT combines uniform covenantF for nationat use ared non-unifocm covepants with timited
<br /> variations by jurisJictiun ta co��stltute u unlConn sccurity lnstrument c�vering mal property, _
<br /> UNIFORM COVENANTS.Borrawer und Lender covennnt and agree ss foltows:
<br /> 1. Payment of Priacipal and IMerest; Prepayment and Late Charges. Horrower shali promptly pay when due thc
<br /> pdncipal of iu�d intcrest on the debt evidenced by thc Nate and any prepaymcnt and late cherges due under the Note.
<br /> t. �nds Por Taxes and Insurunce. Subject w appltcuble Isw or to a wdtten waiver by I.ender. Banower shall pny ta
<br /> [.ender on the day monthly payments are due under the Note,until the Note is paid in full.u sum("Funds")far:(u)yearly taxes
<br /> and assessments wldcli may attaln prioriry over this Security Insttument as a llen on the Pmperty;(b)yenTly leasehold payments
<br /> or ground renta on the Froperty,if any;(c)yearly hazsrd or property iosurance prem�ums;(d)yearly flood insurance premlums.
<br /> If any: (e)yearly mortgage insurance premiums. if any;and(�any sums payable by 8orrower to L.ender. in accordance with
<br /> the provistans�f paragraph 8.in lieu of the payment of martgage insurance premiuma.These items are called"�scrow Items."
<br /> Lender may.at any time. collect and hold Funds in an amouut not to exceed the maximum amount a lender far u federally
<br /> relatat mortgage loan may require for Borrower s es�:row account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amended from time ta time, 12 U.3.C. Section 2601 et seg. ("RESPA'),unless another!aw that applies W the Funds
<br /> sets a le.sser amount. If so, Lender may. at any time, wltect and hold Punda in en amount nut to exceed the tcsscr amount. �
<br /> Lender may estimate the amount of Funds due an the basis af current data and reasoaable estimates of expenditures of future
<br /> Facrow Itruu ur utharwtse lu accardance with 3pplicable law. ;�
<br /> The Funds shall be held in an institution whosc deposits are insused by a fcderal agency. lnstrumentality, or entity
<br /> (including Lender,if i.ender is such�n institution)or in any Federal Home L.oan Bank.[.ender shall apply the Funds to pay the
<br /> Escmw Items. I.ender may not charge Borrower for holding and applying the Funds,annually analyzins the escrow account.or
<br /> verifying the Escrow Items,unless T..ender pnys Borrower interest on the Funds end applicable law permits Lender to make such
<br /> a charge.However. I.ender mny requim Borrower to pay a one-time charge for an independent real estate tnx reparttng servlcc
<br /> used by Lender in connecuan with this loan. unless applicable law provides otherwise. LJnless an agreemant iy made or _
<br /> applicable law rcquires interest to be paid, Lcnder shalt not be required to pay Botrawer any intcreat or earnings on the Funds. -
<br /> Borrower and I»ender may agree in wdt�n�,howevcr, that interest shall be paid on the Funds. Lender shall give to Borrawer.
<br /> without charge. An annual accounting of the 1-junds, showing credits arnI debit� iu i3r� Fu�ds anci tha purpo"�c fos tihi�h�ach �
<br /> debit to the Funda was made.The Funds are pledged as addidonat secudty for all surns secured by this Secudty Instn�ment. _
<br /> If the Funds held by Lender exceed the amounts permitted to be held by applicable law,Lender shall account to Borrower
<br /> for the excess Funds in accordanc�wtth the requtrements of applicable Isw. If the awount of the Funds held by Lender at aay
<br /> dme is not sufficient to pay the Escrow Items when due,Lender may su notify Borrower in writin$,and,in such case Borrower
<br /> shall pay to l.ender the amount necess�uy tn make up the deficiency. Borrower shall make up the defictency in nn more then
<br /> twelve monthly payments.at Lender's sole discretlon.
<br /> Upon payment in full of etl sums secured by this Secudty Instrument, Lender shall promptly refund to Borrower any
<br /> Funds held by I.ender.If.under pam}�raph 21, L.ender shull acquire nr sell tF►e PrapeRy. I.ender,prior to the acquisitton or sale
<br /> of the Property,shall apply any Funds held by[.ender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Securlty Inauument.
<br /> 3.Appllcation ot Payments.Unless appltcable law pmvides osherwlse.sil payments re�xived by I.ender under paragraphs
<br /> 1 und 2 shall be applied: first,to eny prepayment charges due under the Note;second, to amounts payable under paragraph 2:
<br /> third,to interest due:fourth.to principal dne;and last.to any late charges due under the Note.
<br /> 4.CMargest Liens.Borrower shalt pay alt texes.assessments,charges,finea and impositions amlbttteble to the Propeccy
<br /> which may attein priority aver this Security Instrument. and leaseholci payments or ground rents.if any. Borrower shall pay
<br /> these obligadons in tNe manner provlded In paragreph 2.or if not pa�d in that manner,Bortower s�all pay them on time dircxtly
<br /> to the person pwed pay►nent.Borrower shall promptly furnish to Lender all nodces of amounta to be paid under this parngraph.
<br /> If Borrower makes these payments dlrerdy.Borrower shall prnmptly furnish to L.eader ceceipts evidenciag the payments.
<br /> Bormwer r.hall�+mmptly discharge any lien whlch has priortry over this Socudty Instrument unless Botrower:(a)agrees in
<br /> writtng to the payment of the obligation�ecured by the tten in a manner acceptublo to Lender;(b)contests in good fatth the lien
<br /> by,or defends aguDnst enforcement of the lien in. legel proceedings which in ihe Lender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the lien an agre�ment satisfactory to Lender subordinating the lten to
<br /> thts Securtty Instrument. If Lender determines that any part of the Propecty ia subject to a lien which may nttain priority over
<br /> this 5ecuriry Instniment. l.ender may give Bonower a notice identifying the licn.Sorrower shall satjsfy the lien or take one or
<br /> more of the uctions set forth above within 10 days of the qtving of notice.
<br /> Fo�n 3028 8180
<br /> • Pega 2 ot 8
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