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<br /> TOt3ETHER�V1TH t�ll the lmprovements now or heres+iter erected on the pmperty,and all cu.ce,m�en5 pp rt�en��ce�,�ifrd
<br /> fixtures now or hereufter a part of the propecty. All replacements and additions shull also be covercd by this Security
<br /> Instnsment.All of the foregoing is referred w in thjs Security lnstrument as the"Propeny." -
<br /> BORROWER COVENANTS tttat Bonower is lawfully seised of the estate hercby conveyed end hus thc right to grant and -
<br /> convey the Praperty and that the Property ls unencumberai,except fot encumbrnnces of record. Barrower wurrunu and will =�
<br /> defend�erterc�Uy the title to the Propesty agafnst all clatms und Jemands,subject to uny encumbrances of record. _
<br /> THIS SECUltITY INSTIiUMENT combines uniform covenants far nntionsl uce and non-uniform covenants wiih limited �
<br /> vurlationa by jurfsdtction to constitute a unlform security iastrument oovering real properry. _
<br /> UNIFORM COVENANTS.Borrower end Lender covenant and agcee as fottows: —
<br /> 1. Payatent oi PrinciRal and Interest= Pcepaymeat and Late Chacges. Borrower shall promptly pay when due the °
<br /> principal of and lnterest on the debt evtdenced by the Note and any prepaymcnt and late charges due urtder the Note. _
<br /> 2. F�nds for Taxes and Ltgurance.Subject to applicablo!aw or ta a wrttten weiver by Lender, Borrower shull pny to -
<br /> ' Lender on the day monthly pay�nents are due under tha Note,until tha Note fs pald jn full,a sum("Funda")for:(a)yearly tnxes _
<br /> i and assessments which muy attsin pdodty over this Securlty Iastn�ment es a lien on the Property;(b)yezuly leasehofd puyments
<br /> or ground rents on the Property.if any;(c)yearly hazard or property insurance premiums:(d)yearly flood insurance premiums, -
<br /> if any;(e)yearly mortgage insurance premiums,if any:and(�any sums payable by Horrower to Lender, in acco:dance with
<br />� the provisIons of paragraph 8,in lieu of the payment of mortgage inswance premtums.These items are called"Escrow Items."
<br /> � Lender may. at any tlme, collect attd hold Funds in an amount not to excx�d the meximum amaunt a lender for a fedecaDly
<br /> � related mortgage loan may require for Borrower's escrow account�utder tho federal Real Estate Settlement Procedures Act of
<br /> � 1974 as amended from time to ame, 12 U.S.C.Secdon 2601 et seq. ('RESPA"},unlcss another!aw that applies to the Funds �
<br /> sets a lesser amount. If so, I.eader may. at any time, collect and hold Funds in an amount aot to exceed the lesser amount.
<br /> � Lender may estlmate the amount of Funds due on the basls of current data and reasonable estimates of expendltures of future _
<br /> Escrow Items or otherwise in eccordance with applicable law. �
<br /> The Furtds shali be held ia an jnstitution whose deposlts are inswed by a federal agency, instiumentality,or entity
<br /> ' (including Lender,if Lender is such an insdmdon)or in any Federal Iiome Loun Bank.Lender shall apply the Funds to pay the �
<br /> Escrow Items. Ixnder may not charge Borrower for holding and applying the Funda,annually analyzing the escrow accouat. or
<br /> verifying the Escrow Items.unless I.ender pays Borrower Interest on the Funds and applicable law permits i.ender to make such
<br /> a charge. However.Lender may require Borrower to pay a one-time charge for au independent real estate ta�c repordns service =
<br /> used by L.ender in connettion with tuis loan, unless applicable law provides othen�vIse. Unless an agreement is made or
<br /> applicable law requires intereat to be paid.I.ender shall not be required to pay Bomower any intemst or earnings on the Funds.
<br /> Borcvws.r attcl I.cudci iiuiy ngree in zvrliitsg,hott'cvtx,ihat inte�:shs!!t�gais!on�e F��n�a T:e.ncter chall give tn eorrower, �
<br /> withaut charge.an annual accaunting 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 serudry for all sums secured by thts Secudty Instrumsnt.
<br /> If the Funds held by L.ender exceed the amounts permitted to be held by appltcable law.I.ender shull account to Borrower
<br /> for the excess Funds in accordance with the requiremenu af applicable law.If the amount of the Funds held by Lender at any
<br /> � time is not suffictent to pay the Fserow Items when due.Lencler mny so nodfy Borrower in wrIting.and,in such case Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the detIcIency in no rteore than
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> ' Upon paymeut in fuii of a!1 sums secured by this Secur�ty Instnunent. I.ender shall prompdy Tefund to Bvcrower any
<br /> Funds held by Lender.If,under paragraph 21.Lender shall acquire or sell the Property.Lender.prior to the ucquisitbn or sale
<br /> of the Ptoperty.shal[apply aay Funds held by Lender at the tlme of acquisidon or sale as a credit agatnst the snms secwed by
<br /> thia Seeurity Instnunent.
<br /> 3.Appllcation of Payments.Unless applicable law provides othecwise,ail payments rece[ved by Lender under parag�apha
<br /> 1 ar►d 2 shnU be applIed:t"irst,to any prepayment charges due under the Note; second,to amounts payabie under pazagraph 2;
<br /> tWrd.to interest due;fourth,to principal due;aud last.to any late charges due under the Note.
<br /> 4.Chargesi Uens.Borrower shall pay aU taues,assesamenu. charges,fines aad impositions attributable to the Pmperty
<br /> whtch may attain priortty over this Secudty Instrument, and IeaFehold payments or grown�i rents, if any. Borrower shall pay
<br /> these obligations in the manner provided in paregraph 2.or if not paid in thaz manner.Bornower shall pay them on dme directly
<br /> to tha person owed payment.Bormwer shall pmmptly furnish to Lender ail notices of amounu to be patd under this paragcaph.
<br /> If Borrower makes these payments directly,Borrower shell prompdy fumish to Lender c+eceipts evidencing the payments. _
<br /> Borrower shall promptly discharge any lien which has prlor[t}+over this Security Instrument untess Horrow�r: (a)agrces in
<br /> wr[ting to the paymeat of the obGgatlon secured by the lien in a manner acceptable to Lender;(b)contests in good faith the IIen
<br /> by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to pcevent the
<br /> enfotcement of the lic.�:or(c)secures fcom the holder of the lien an agreement sadsfactory w Lender subordinating the lien to
<br /> tl�is Security Insuvment.If Lender determines that any part of the Properry is subject to a lien which may attain piiority over
<br /> this Security Insm�ment,Lender may give Borrower a notIce idenUfying the lien.Borrower shall satisfy the lien or take one or
<br /> more of the actions sei forttt above within 10 days of the giving of nodce. ,
<br /> Form 9�28 8180
<br /> Page 2 of s .
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