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<br /> TU(3�TH8R W[TH nll thc impmvcmcnt9 naw or hereafter ere�tod on the property,und all ca.gement�s.appunenances,and
<br /> Pixwres �tnw or hemutler u pun of the property. All rcplacementx and udditions shull utFO tx: covercd by thlH Sccurity
<br /> Insirument.Alt af ehe foregoin�in reforred to in thiF Security Instrument aq the'Praperty."
<br /> �30R�tOWE�i CUYENANTS that Borrrnver iv Inwfi�lly r,elr,�d of the c.wtntc hereby conveyed cu�d hav the riglit to�rant and r
<br /> canvey the Pmperty nnd that the Property is unencumbered.except far ertcumbrunces of recard. Borrower warrants and wlll
<br /> defend generully the title ta the Aroperty aIIainst ull cleims ond demands.�ubject to eny enrumbrunces af recard.
<br /> THIS SECURITY INSTRUMSNT cambine.4 unifarm covenants for nationnl use und nan-unifann covenanu with limjtad
<br /> vAdatians by jurisdictiu»to constitute u uniform security tnstrument covering�eul property.
<br /> UNIFORM COVENANTS.Bonower and L.ender covenant aind agt�ee as follaws:
<br /> 1. Puymrnt o!Prtaclpal aad lnter�t; P►+epuyment end I.�te Charges. Borrau�er shali promptly pay when due the
<br /> principal of und intemst or�the debt evtdenced by the Note and any prepayment urtd late charges due under the Note.
<br /> 2.F'unds for Taxes and In�vrance.SubJect to applicable law or to a wr�tten watver by I.ender, Bo�rower shali pay to
<br /> Lender on the day monthly payments are due under tha Note.until the Note is paid in full.a anm("Funds")for:(a)yeacly taxes
<br /> and a.ssessments which msiy attai�prlodry over this 5ecurity Instrument os a lten on the Property:(b)yearly leasehold paymems
<br /> or ground rent�an the Property.!f uny;(c)yezrly hazard ar property insumnce premiums;(d)yearly flood insurance premlurn9�
<br /> if any;(e)yearly mortgnge insurence premiums.if a��y; and(�any sums payable by Borrowar to Lender.in accordance with
<br /> the provisions ot pumgrnph 8.in lieu of the payment uf iuortga�e inssiranco premiumu.l'hese Items are ca!!ed"Escrow Itemg.'
<br /> L.etster mny. ilt any time.rntlect artd hold Funds.in an amount Rat to exceed the mexjmum iunount a lender for a foderally
<br /> ne�ated mortguge ioan may reyuiro ior Bu�wwc�'e c�:�arw aLtivmii wnlci d�e fe.3cra1 R�t!$.:i�te Settlemettt Psns�eltss� Ae[of -___
<br /> 1974 st4 amended from time to time, 12 U.S.C. Soction 2601 et seq. ("RESPA").u��less aiwther law that applies to the Fwids
<br /> sets a lesser cunount. ]f so, Lender may. ut any time, collect and hold Funds in an amount aot to exc�l the lesser amount.
<br /> I,ender mny escimate the arrtount of Funds due on the bs�ssis of current data and reasonable estimates of expendltures of future
<br /> Escrow Iteiiia or otherwise in nccordance with applicuble law.
<br /> The Furtds shal! be held in an institution whose deposiGs � insured by a federnl agency, Inst�rraentality. os entlty
<br /> (including I.ender.if I.ender is such an inst�tution)or in any Fodeml Home Loan Benk.Lender shall apply the Funds to pay the
<br /> • E,ur+�w Items.Lender may nnt charge Borrower for holding and applying the Funds. annually unalyzing the escrow acoount.ot
<br /> verifying the Escrow Items,unless Lender pays Borrower Interest on the Funds and applicable!uw pern�its Lend,er to make sucb
<br /> a charge. However.Lender may reyuirc 8�rro�ver to pay a aac-tisnc chsrge foc stt 1��nt r�4!'stAse tfl?t Te�^nin� service .
<br /> used by l.ender in rnnnectton with this loan. unless applicable law provIdes otherwise. Unless en agreement is made ar
<br /> applicable luw requires interest to be paid.i.ender shall not be requtred ta pay Borrower any Interest or eaminge on the Funda.
<br /> �omnwer und Lender may agree In wdting.however,that interest shall be psild on the Funds. Lender shall give w Bo:rower.
<br /> without cl�arge. sn annual aocountins of the Funds.showtng cn�dita and debits to the Funds and the purpose for which e.ach
<br /> debit to the Fwids was mnsle.The Funds are pledged as additional securiry for all su�as secuc�ed by th�s Security Insuument.
<br /> If the Funds hetd by Lender exceed the amounts permitted to be held by appltcable law.I.ender shall account to 9orrowu
<br /> for the�xcess Funds in ewoidance wfth the requirements of epplicable Isw. If the amount of the Funds hetd by Lender et airy
<br /> ttme is not suftictent to pay the Escrow Items when due.I.ender may su notlfy Burrower in writtng,and.in such cace Bo�rower
<br /> shall pay to Lender the nmount neces5ary to makc up the deficienry. Borrower shall make up the deticleacy in ao more than
<br /> twelve monthly payments,at Lender's sole discredon.
<br /> Upon payment in fLll of all sums secured by this Secudty Instnrment. l.cnder shall prompity refund to Borrower any
<br /> Fun�a held by Lender.If.under psuagraph 21, Lender shall acquire or sell the P�+operty. Lender.ptior to the acyulaition or sele
<br /> of tha Propecty.shalt apply any Funds held by L.ender at the ttme of acquisitlon or sa(e as a credit against the aurns sa:u�ed by
<br /> this Sxurity Instcument.
<br /> 3.Appli�tlon of Aaymente.Untess appltcnble la�v provides otherwise.all.payments recetved by L,e,nder uncler pnragcaphs
<br /> 1 ertd 2 shalt be upplied:first. to any prepayment char�rs due under the Note;seoond,to nmounta payable under paragmph 2:
<br /> thircl.to interest due;fourth.to principal due;and last,to any tate charges due under the Note.
<br /> 4. Charges;Ltens.Bomower shall pay all taxes, assessmente,charges.fines and impositivns sttMbuutble to the Propecty
<br />_ which may attain priority�ver tNia Security Instrument. and leasehold payments or grouncl rents. If any.Borrower shall pay
<br /> these obligations in the manner provided in paragraph 2.or if not patd in.that m�rmer.Borrower shall pay them on dme dlrectly
<br /> to the person owed payment.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this patagruph.
<br /> If 8orrower makes these payments directly.Borrower sAall promptly fiimish to Lender c�eceipis evidenctng the pa�yments.
<br /> Borrower shafl promptly discharge uny lien which has prlorlty over thta Secudty Insnument unless Borrowes:(a)agrees in
<br /> wdting to the payment of the oblfgation secured by the lien in a manner acceptable to Lender;(b)contests in good fuith the lien
<br /> by, or defends against enforcement of the tien in. legal proceedings which in the Lender's opinion operute to psevent the
<br />- enforcement nf the lien;or(c)secures from the holder of the li�n an ag�eement sedsfnctory to L.ender subordinating the li�n to
<br /> th{s Security instrument. If Lender determines that uny part of the Property ia subj�ct to a Lten which may attein priority over
<br /> this Secudty Instrua�ent.Lender may give Borrower a notice identifying die lien.Sorrower shall satisfy the lien or take nne or
<br />- more oY the actIons set forth above withi�n 10 days of the gtving of aotice.
<br /> Foim 3078 8180
<br /> Pape 2 ot 8
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