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<br /> TO(}�7'HBR WITH att the improvemenGg now ar hereu�'ter erected on the propeny,and nll wsemcntti.uppurtenunccs,nnd =
<br /> fixwres na�++ an c�rcafter c► purt uf thc propeny. Ali rcplacements und nddttians shoil ulso he raverai by this Security
<br /> Instrumcnt.AI!uF the fareguing is+rcfer�cd to in this Security Inctrumcnt aw�hc"Property."
<br /> 80RROWBHt COVHNANTS tbat �arrower is luwfully seised af the estate hereby wnvcycd�in�i has thc riBht ro grnnt nnd
<br /> convey the Property and thnt the Pmperty i� unencumbered. eacept far encumbennc� of recard. Barrowc�wan�nts und will
<br /> defend gener�al ly the title m the Pmpeny��gi�intit all cinimw und demunds,subject tu any eMUmbrunce+of'record. L
<br /> THIS SBCURITY INSTRUMBNT combines uniform covenants for national use and nnn-unifUrm covenantr with limited
<br /> �rurintiuna by jurindictiuu ta constitute o uniform sezuriry instn�ment rnver�ng real praperty.
<br /> UIVIFORM COV6NANTS.Borrower und Lender covenant and u�nsc as fotlaws:
<br /> 1. Puyment ot IMnci{wl artd Interest; Prepayment end I.ate Charg�. Bamowcr Ahall promptly ps►y �vhen duc the
<br /> pd�tctpal of artd interest an the debt evidenced by the Note tu►d nny prepuyment and late churge�due undcr the Note.
<br /> Z. Funds tor Texe.v und Insurence. Subject to applicable law ar to u written walver by L.ender. Borrower shall pay to
<br /> L.ender on the day monthly puymants are duc under the Note.until the Note is puid in full,a sum('Funds")for:ta)yearly tuxes
<br /> urtd nssessments which may attain priority over this Scrurity Instrument as a tien on the Property;(b)yeurly Ieasehold payments
<br /> or ground rents on the Property.if any: (c)yearty hezec�d or property insurartce,premiums;(d)yearly flood lnsurance premiums.
<br /> if uny:(e)yearly mortgage insurance premiums,if any: nnd (� any sums payable by Borrower to Lender,jn accordance wtth
<br /> the pruvisions ot purugraph 8,in lieu of the payment of mortgagz insurance premlums. 7tiese items are�tted "Essruw ltems."
<br /> Ixnder may. at any time. rnllect and hold Funds ln nn amount not to exceed the maximum umount n lender for a federally
<br /> retutRd mortgage toan msy reyu�re for Barrower's escrow accaunt under the fedetal faea! Estate Settlement Fmredures Act of ..
<br /> 1974 as amended from dme to time.12 U.S.C.5ecdon 2601 et sey. ("RFSPA").unless a-�other law thnt applies to the Funds
<br /> sets a lesser amount. If sa. Lender may. at er►y time.catle..-i and hold Funds in an smosnt not to exce4xi the lesser amount. �
<br /> L.ender may estiwmunce the amount of Funds due on the basis of current d�w und�easonablc cstimates of expenditttres of future
<br /> Escrow[tems arotherwlse In accordance with nppYicable law.
<br /> The Funds shall be held in an inst�tution whose deposits are insured by u federal a�ency. instrumentaliry, or entlry
<br /> (including Lender.if Lender is such an instltutIon)or in any Fedetal Hame Loan&tnk. Le�der shall appiy the Funds to pay the _
<br /> Escraw Items. Lender may not charge Boaower for holding and applyin�the Funds.annually nnalyzing the escrow acoount.or
<br /> ver�fying the Fscrow Items.unless Lertder pays Borrower interest an the Funds und nppliaible law permits Lender to make such
<br /> a charge.Howrever,Lender muy requim Borrower to pay n one-time charge for an independent real eswte taz reporting servtoe
<br /> ased by L.ender In coiu►ection with this loan, unless applicable law pmvides otherwlse. Unless an agreement is made or
<br /> uppiica�bic Iuw rc�ulrc�inter�si ta bc paid.Lc:sler sha!! sto!�e rEquirPd io{►ay&atrowete•�y intercct ar earnings oa the Funds.
<br /> Botrower and Lender may agree in wr�tin�,however.that interest shall be paid on the Funds. Lender shall give to Bflrrower.
<br /> without charge.an annual acaounting of the Funds,showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.The Funds are pledged as additional secudty for ull sums sacured by this Securtty insuument.
<br /> If the Funds held by l.ender exceEd the amounts permitted to be held by applicabl.e Inw,Lender shall acoount to Borrower
<br /> for the excess Fuads in aocordartce wtth the requirements of applic�able luw. If the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay ti;e&crow Items when due. Lender cnay so ttotify Born�wer In writing.and.in such caso Borrowar
<br /> shall pay to Lender the amannt r�ecessary to make up the deficieacy. Bonnwer shull make up the deficie�ncy in no more than
<br /> twelve monthly paymeats.at I.ender's sole dIscretion.
<br /> Upon payment in ful! of all sums secured by thls Secudty Insuument. Lender shall promptly reflund to Borrower any
<br /> Funds heid by Lender. If,under psiragraph 2t.Lender shall acquire or seU the Property,Lender.prlor to the acquisition or sele
<br /> of the Property.shall apply any Fwids hetd by Lender at the dme of aoquisiNon or sale as a credit agaiast the sums securod by
<br /> thjs Securlty Instcvir�ent.
<br /> � 3.Appliattlon of Paymen8s.Unless applicable law provides otherwise.all payments c�eceived by[.ender under ps+rngraphs
<br /> 1 and 2 shall be applied:first,to�any prepayment chnrges due under thc Note; second.to emounts payable under para�raph 2; _
<br /> third.to interest due;fowth�to�r`incipal due;and last,to any late charg.s due under the Note.
<br /> +�.C6arges;Ltens.Horro�ver shall pny all taxes, assessments,charAes. fines end impositions uttribntable to th�e Propercy
<br /> which mny attain prlorlry e�vcr this Se�curiry Instrument.and leasehold payments or ground rents, if any.Eiarrower shall pay
<br /> these obligadons in the manner provided in paragcaph 2.or if not patd in.that maru►er. Bocrowcr shall pay thera on dme directly
<br /> w the person owed payment.Horrower shaU procr�pdy fumish to I.ender all ttotices of amounts�to be patd under Cnia paragraph.
<br /> If Borrawer makes these payments dlrectly.Borrower shall pmmpdy fumish to L.ender receipta evidencing the�payments.
<br /> Borrower shall pmmpdy discharge any lien which has prioriry over thia Secudty Imtrument uailess Borrower:(a)asrzes in
<br /> vniting to the paymenc of the obl3gution secured by the lien in a cnanner accepwble to Lencier;(b)contests in good faith the lien
<br /> 4►y. or defends against enfotcement of the lien in, le�al pmceedings which in the �der's opinion opera�+e�to prevent rhe
<br /> enforcement af the lien;or(c)secures from the holder uf the lien an agreement satisfactoiy to Lender subordinating the Ifen to
<br /> this Security Instn�ment.If I.ender determines that any part of the Pc�uperty is subjer.t to a lien which may attAin priority over
<br /> this Security 3lcastnunent,Lender may give Borrower a nottce identifying the Uen.Borrower shatl sutisfy Ne lien or take Qne or
<br /> more of the actions set forth above within 10 days of the giving of notioe.
<br /> Form 3029 9180
<br /> Pe{p 2 of 8
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