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<br /> T�ETHER WITH a!I the Improvementa now or hematter erected on the�roperty.and all easements. appurtenances,
<br /> arnd Axtu�a now or hereAfter a part of the pmperty. All repiacements and udditions sholl also be covered by this Securlry
<br /> Insmunen� AU of trie foregoing ia referred to in thla Security Inswment as the"Property."
<br /> B4RItOWER COVENANTS that Bortower is lawfully sEised of the estate hercby conveyed nnd has thQ dght to gmnt
<br /> and convey the Property und that the Property!s unencumbered,except for encumbmnces of record. Horrower waeranta und
<br /> will defead genernlly the tiUe to the Pcoperty a�ciinat ull claims and demunda.eubject to siny encumbrances of record. _
<br /> THIS SECURITY INS�'itUIvi�iV i�eombinea uniform covenants for natiunni u�c a,id i�on-ur�ifoa, cove:,aais wfth `-
<br /> Urnited varladons by jurisdlction to constitute a uniform security instnunent covedng�eal pmperty.
<br /> [JN�ORM COVENAIVTS. Bomower end Lender covenant and agree as follows: �
<br /> 2. Aayment of Prtusipstl and Interes�Prepayment and Late�ha�rges. Borrower shall pmmpdy pay when due the
<br /> principal of and interest on the debt evIdeaced by the Not�and eny prepayment and late charges due nndor the Note.
<br /> 2. Funds for 7leuces end insurance. Subject to applicable lnw or w a wdtten waiver by I.ender.Bortower shall pny to
<br /> Lender oa the day monthly paycuents are due under the Note.untll the Note is paid ia full,a swn("Fuads")for. (a)yearly -
<br /> taxes and assessruents which may attain priorIty over thts SecurIty Instr�ment as a Hen on the Pcoperty:(b)yearly leasehold
<br /> payments or ground rents on the Property.if any: (c) yearly hezard or property inat�rance premiuma; (d)yearly flood
<br /> insurauce pre�niums, if any:(e) Yearly mortgage insurnnce premiums, if any; and(� any sums payable by Boirower w
<br /> Lender.in accordeace with the provisions of paragraph 8,in lieu of the payment of mortgage insurance premiums. Thesa ,
<br /> items ase called°Escmw Items" I.ender mny,at any time.collect end hold Funds ia an amount not to exceed the maximwn
<br /> amauex a lender for a federally related mortgage toan way require far Borrower�escrow account under the federal Real
<br /> Estate Setdement Pracedures Act of 1974 as amended from dme to time.l2 U.S.C.�2601 et seq.("RESPA").unless another
<br /> law that applies w the F�nds sets a lesser amoun� If so,I.e�tder may.at any time.wllect and hold Iluuds in en emount not to f
<br /> axcced the lesser amount Lender may esdmate the amouat of Funds due on the basis of current data and reasonable
<br /> estlmates of expenditnnes of futune Fscrow Items or oiherwlse in accordance wlth applicable law.
<br /> The Funds shaU be held in an institudon whose deposits are iasured by a federal agency, insm�mentaliry,or endry
<br /> (inc�diag Lender,if L,ender is such an instltudon)or in any Federal Home Loan Bank. Lender shall apply the Funda w pay
<br /> the 8scmw Items. I.eader may not charge Borrower for holding and applyIug the Funds,annuaUy analyzing the escrow
<br /> accaunt,or verlfying the Escmw Iterus,unless Lender pays Borrower interest op tt�e Fands end applicable law permits
<br /> Lender w make such a chaege. However, Leader may require Soaower to pay u one-time charge for an independent real
<br /> esteta tax t�eportiag servIce used by Lender in connectlon with this loaa,unless appllcable law provides othetvvise. Unless an
<br /> agreement is made or applicable law requires iaterest to be paid Lender sball not be required w pay Boirower aay interest or
<br /> earnings on the Fuads. Bormwer aad L.ender may agreE in wrlting,however,that interest shall be paid on the Funds. Lender
<br /> aheU give to Bomower.without charge.an anuual accoundng of the Funds, showing ccedits aud debiEs to the Funds and the
<br /> Peu�o�for whish�ch�b#i�rt�Fi�nci.c was mede. The Funds are pledged as addiHonal securlty for aU sums secured by .
<br /> thisSecurIty Insu�menG
<br /> If the Funds held by Lender exceed the amounts permitted w be held by applicable law. Lender shall account to
<br /> Bortower for the excess Funds ia accoidance wit6 the requirements of applicable law. If the amount of the PUads held by
<br /> Lender at any Hme is not sufficient to pay the Fscrow Items when due.Lender may so noHfy Boaower ia wriring,and,In
<br /> such case Bormwer shell pay to I.cnder the azaount necessary to make u�the deSciency. Batrower shall make up the
<br /> deflc[ency in no more than twelve monthly payments,tu Lender's sole discreaon.
<br /> Upon payacent in full of aU sums seciued by this SecnrIty Instrument,I,ender shall prompdy refund to Borrower any
<br /> Funds held by Lender. If,under paragraph 21,Lender shall aoquire or sell the Pcoperty.Lender,prIar to the aa�uisitlon or
<br /> sale of the Pmperty,shall apply any Funds held by I.ender st the dme of acquistdon or sale as a credit against the sums
<br /> secared 6y tl�is Securlty InstcumenG
<br /> 3. Applicatton of Nayme�. Unless applicable law provIdes othenvlse,ail payments recelved by I.ender under
<br /> paragraphs !and 2 shaq be�pplied:first,to any prepayment charges due ander the Note;second,to amonnnts payable under
<br /> paregaph 2;third,W intenest due;fourth,to princIpal due;and last,w any late charges due under the Note.
<br /> 4. C6arges; Ltena Borroaer shall pay all texes.assessments,charges.fines and impositions atn�ibuta6le to the
<br /> Property wMch may atmin prlorIty over this Security Instrument,and leasehold payments or ground c�ents,if any. Borrower
<br /> shall pay these obligations in the manner provlded ia paragraph 2.or if noi paid in d�at manuer.Boirower shall pay them on
<br /> dme directly to the person owed paya�ent Bomnwer shall prompfly fumish w Lender all notices of amounts to be paid ander
<br /> thisparagraph. If Borrower makes these paymients directly,Borrower shall pmmptly fumish to Lender receipts evidet�ciug
<br /> �Botrower shall prampdy discharge eny lIen which has priority over this Security Instrument untess Homower:(a)agtees
<br /> ia wrlting to the payment of the obllgation secured by the lien in a manner acceptable to L.ender;(b)contests in good faith the �
<br /> lien by,or defends ngainst enforcement of tha lien in.legal proceedings which in the Lender's opinion ope�aLe W prevent the I
<br /> eafarcement of the lien;or(c)secures from the holder of the lien an agreement sa�sfactory to Lender subordinating the liea
<br /> to this Sec�uity Insttument If Lender determiaes that any part of the Property is subject to a lien wl�ch may att�n priority
<br /> over this Security Instrument,Lettder may give Borcower a aoiice identifying the lien. Boa+ower shall satisfy the lien or taka
<br /> one or more of the actions set forth above wit6in 10 days of the giving of notice.
<br /> S. He�aM or Property Insuranoe. Borrower shall keep the improvements now axisting or hereatter er�cted on tt�e
<br /> Property insured against loss by fire,hazands included within the term"extended coverage"aad any other h�ards,including
<br /> floods or flooding.�O!WII�Cb IRpaCt t+CQU�iCB IIISUIBIICe. T6is insurance shall be maintained in the amounts and for the
<br /> Fbim 3028 9/AO (PnB�Z oJ'6Po8u1
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