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,a i .,..��,_.. t... : ,.., . . l r. � tr+'; � � � . : 4 f ' ,: 1 �,' 1 ' � , � ..t - �r-.µ rn.Myioi�,y- s;• 1 . ... ' ......�_ --. . . - �.t�_. r �i.:�.°{.i � �i� "' ..� _.._�.__ ..�+.r,.��^'Yw".�' ��. _ �s�� os4�� TOOETHER WITN all the impmvements now or he�r,after ercM�n the property.und ull ctt.5ementa,nppurtenances,and fixtures now or hereaftor u p�t of the pmperty. All ceplacements and addidons shail also be wverod by thia Security Instn�mcnt.All of the fongoing is rcfemai ta in this Security Instnirnent es the"Property." SORROWBR COYBNANTS that Horruwer iA IawfuUy�elsed af the estste i�ercby cunveyed uml hasti�he rfght w grant an�l mnvey tho Praperty and tbat the Property ls unencumbered,exoept for encumbrances of reoorcl. Borrower warrants and wUi defend gencrally the tide to the Property ag�inst utl claima nnd dem�.Eubjcct to any encumbrnnces of e+ecard. THIS SECURITY MSTRUMENT combines uniform oovenanta for nstionnl use and nan-uniform covenents with liaottad variatlona ay jurlsdlction to constitvte a unlform socwity inatrumenc covering real prapexty. •t►s*eu�wal MIIOtJ.�liTO A.�.w...�..��t �. vt.u�vtu.................v.......v....,.aw 'iwtctl'A1vC.(id1t�811dG$1lC118t411OW8: l. Payme�it o!Pr�inclpQl iwd [nterest; Prep�ynient wr�d[.s►te Clwrges. Aorrower shult pmmptiy pay when due the principal of qnd hteceyt on the debt evidetued by the Notc and any prcpayment and Iates chergcs due under tho Note. 2. �unds tor T�xes aad Insuratwe. Subject to applicuble!aw or to a written waiver by L.ender. Borrower shall pay to Lender on the day monthly payments are due undes die Nou,untU the Nou is pa�d in tLll.u sum("Funds")for:(o)yearly taaes and assessments which roay attit�n prIarity over this Security Instn�ment es a Iten on the Property; (b)yearly leasehotd payments or ground renta on We Property. !f eny:(c)Yearly hazard or proT;erty insurance pntaiums:(d)Yearly tlood insuranoe premiums, if eny;(e)yearly mortgage insurance pnmiums.if eny;and(�any sums payable by Borrawer to Lender,in accordanoe wIth tho pmvisjons of puragraph 8.in lieu of ehe payment of mortgAge Insurance pramtums.These ltems an callod"�scrow Items." Lerder may�at aay time.collxt and hoid Funds ia an amourt not to ezcad We maximum amaunt a lender for a federelly related mortgage loan may�+equire for Harrower's escrow acconnt under the foderal Real Bstau Seulenxent ProceduKa Act of 1974 as amcnded fram tjme to Wne. 12 U.S.C.Section 2601 et seq.("RBSPA"),unless another Iaw that�ppltes to the Funda seta a lesser amoum.If so. Lender may. at ony time. collect c�rid hold Funds in an araount not to dxoeed the lesscr amount. Lr.nder may estlmate the amount of Funda due on the basis af cvment data and reasonable eatimstes of eapenditw+es�f tLtune F.scrow Itema or otl�erwise ia accordance with appl�cable law. The Funds shall be held in an iastituYion whose deposIte are insure�l by a fedcral agertcy. inatrumental(ty. or endry (i»sludIng I.ender.if Lender is such an Iasdtudon)or in any Federal Home Loan Bank.Lender sh81!apply the Funds W pay tQe . Escmw Items. Lenda ruay not charge Borrowu for holding and applying the Funda.annually analyzing the escrow exoum.or vu3fying the Bscmw Ittrns,onless Leuder pays Borrower intFrest on the Fands end applfcabla isu�perm(ta Lender to mak�suct� a charge.However.Lender may requira Bomower to pay a one-dme charge for an independcnt real estste tau reportiag servica usect by L.ender in wnnoction with this toau, unless applicable law provides otherwIse. Unless an ag�eement is made or applicabie Iaw rcquires iatere.st to be paid,Lender shaU not be re�uired w pay Bornower any inurest or eamings on the Funds. ' Borrower and L.ender may agae in wrlting. however,that intemst shall be paid on the Funds. Lendr,r shaA give w Horrower, wtthout charge.aa eanuat acooundng of the Funds, showing crcdita and debits w the F�nds aad the putpose for which each debIt to tho Punds was mscte.The Funds are pledged as additional se+u►rity fur ell sums secured by this Secudty Inshvment. ' If the Funds held by I.wder exc.eod tho amounts permItted W bo held by applfcable law.i.ender shaU account to Borrower ' for the excess Funds!a accordanco with the requi�+ements of eppllcable lew. If the amount of th� Funda hetd by LeMer at any time ie not sufficient to pay the Escmw Items when due.I.ender may ao notify Borrower In wciting. and, ia such case Borrowct ahal!pay to Le�der the amount neoessacy to malce up tha deftciency.Horrower shalt make up the dtficie�y in no more then twelve monthly PaYments,at Lender's sole discm.tion. Upoa payment in fuU of all sums Secured by this Securlty Luteument.Lender shall prompdy refund to Bormwer any Funda tield by L,eidor.If.�ncier paragrepb 21.Leuder ahall aoqaine or sell the Property,L,ender,prior to tdo acquisitioi�or sate of tl�e F�perty.shall apply aqy Funds held by LeiMer at tlw time of acquisitIon or sales es a crcdit against the sums seaured by this Security Instcu�neat. 3.Appikatbn ui Pxymeata.Unless applicable law provldes otLerwtse.all payments nceivod by Lender uader paragrarhs • 1 ai�d 2 shall be applied:t�rst,to any prepaymcnt chargas due under the Noto;sacond,ta amounts payable under paragraph 2; third.to interest due;fourth,w princ�i�al due:and iast.to any late charges due�nder the Note. , 4.Chae�es;Idens.Borrower shal}pay all taxes.assessmeuta. charges, fines and tmp:isitions attr3butabter to the Propeity which may ettain prIarity over this Sewdty Instrument.end leasehuld payments or gro�nd rents. if any.Sorrower shalt paY these ubligations in the ra�uu►u pmvided in pamgiAph 2.or if not paid in.that:�na�nner.Borrower shall pay th4m on dme directly . to th�peraon owed payr�nt. Borrower ahatl prompsly fucnish to I,ender all natioes of amounts to be pai8 amder Nila parag��ph. . Yf Horrower makes these payments dinextly.Borrowor shaU promptly fumtsh to Lcnder t+ecelpts ev�dencing fht paymenta. Homowec skall pmmptly discharge any lien which has prior,ity over this Security Inshvment uNess Botrower:(�pgrees in writing tti the payment of the obligation secured by the lien in a manner acxeptable to I.ender;(b)contests in guod f�ith the lien ' by, or defee►ds against enforcement af the lien in, lega� pmceeclings which in the Lemler's opinion operate to prevent the : . ' euforcement uf th�lten;or(c)secures from the hotder of the lien an ag�naement satiafacwry to Lender sul�ordinating the lien to ' this Securlty Instcument. If Leader determines that any part of the Property is subject to a lien which may atoain priority over this Sanrlty instrument,I.eruler may give Borrower a notioe identifying the lien. Borrower shall satisfy the tien ar tilce oas or more of the aciions ast fotth above wltt�ip 10 days of the giving of nottoe. Fam 3028 8190 P•os s as