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<br /> TOG�THER WDTN nU tlte in�provemelits no�v or hereafter crectal on the prorerty,•�nd iill�uscm�������ttiucs,nnsl
<br /> fix�urc� no�v on c�rcaftcr a part oF �he propc�ty. All rcplttccmcnts and udditirnis shidl .ilsn bc ruvcrwd by t!�is Sccurity -
<br /> Insirumcnt. AU of ti�e fore�oii�g is refcired to in tl�is Securi�y Instr�:mcnt u,thc"1'r��perry." �
<br /> BORROWER COVL�N�NTS thnt Norruwcr is Inwfully sciscd of thc es►�uc hcrchy convcycd iaid huti tlic rlght tu�}rant nncl
<br /> convey the Nroperry and ehnt thc Pruperty is unencumUered, except for enewnhrances oF record. Bocraw�r w;irrnntv nnd will
<br /> detend genernlly the titie to the�mpeny c+�uinse uii ciuims nnd demnc��is, subject to uny encumbnmce,ui ncu�d.
<br /> THIS SECURITY 1NSTRUMENT combincs un{farm covc►innts for nationul usc nnd non-w�fform coecnnnis with limitc�l
<br /> variations by jurisdictian to wnstitute u uniforro sccurity instrumcnt covcring rca)prop.ny. ,
<br /> UNIFORM CaVENANTS. Borrowcr and Lcncicr covcnunt nnd ugrec as fnllows:
<br /> 1. Pnyment of !'e(ncipal end Intcr�st; P�rpaymcnt uiid I.atc Chargc.v. Barrmvcr shnll proniptly pay whcn Jue ths
<br /> principal of und lntcrest on thc dcbt evidenced by the Note und nny prepaymcnt and latc charges due uncier the Note.
<br /> 2. F'unds for Taxes and Insurance. Subjcct tn npplicable law or ta u written�vaivcr by Lender, Borrower shall pay to
<br /> Lcnder on the day monthly paymc�its arc due undcr the Note,until the Nnte is paid in full,a sum("Funds")for:(a)yearly uuces
<br /> and c�sscssmcnts which may uttain priority over this Security Instrument us a Iten on the Aroperry; (b)yearly leasehold payments
<br /> or sround rents on tt►e Propeny, if any;(c)yearly haz�►rd or property insurnnce premiums;(d)ycarly tluod insurance prcmiums,
<br /> if any:(c)yearly mortgage insurancc prcrniums,if any; and (�any sums payable by Borrower to L.ender, in accordance with
<br /> the provisions u�u�u:�,�mph 8, in lieu of the payment uf mon�age insurnnce premiums.These items are called "Es;:ro�v Items."
<br /> :xnder may, at any cime, co{!e,^t and hold Funds in �in :unount nat to exceed the maximum amount a lender for a federally
<br /> rclnted mo��tgage loan may rcqu.��for Borrowcr's cscrow account under tlie fedcrul Real Eswte Settlement Fnxndar�s Act of
<br /> 1974 as nmended from time to time. 12 U.S.C.Section 2601 er seq. ("RESPA"),unless anothcr law that upplies tc�the Funds
<br /> sets a lesser umount. !f so. Lei�der may, a!:e.ny tinte, cnllect and hold Funds in an amount not to exceeA the Iesser amount. .
<br /> Lendcr may estimatc the:unount of Funcls cue on the basis af currant data a�id reasonable��.tin*.atLS-�f expenditures of futurc
<br /> �sc�v�v Itcros or otherwise in nccordunce with applicabte I��t�.
<br /> 'Thc Funds shall bc licld in an institution whose ��epc�sits are insured by a fedcr.ii ngency, instnimentality, or entity
<br /> (includins Lender,if Lender is such an iaslitution)or in unp��ctiierul Hame Loan Bank. Lcnder shall upply the Funds to pay the
<br /> Esc,ow Itiai�s. Lcudci niay ��ol chargc Boiir�ti���•fu� twlding anJ applyin�iiic Funds,unnuaUy ancQyzing thc escrow acww�t,or
<br /> verifying the Escraw ltems, unless Lender pAys Borrower interest on�it�1�unds and applic�lble law�xrmi�s Lender to makc such
<br /> a charge. Howevcr, L.ender may rcquire Borrowcr to pay a onc-time ci�argo for an indepcndent rcal estatc tax reporting servico
<br /> : use�i by Lender in connection a�ith this loan, unless a,�pli..able Inw provides otherwise. Unless nn agreement is made or
<br /> appllrablc luw requires intcrest to he paid,Lender shall not br required to pay Barrowcr uny interest ar eamings an the Funds.
<br /> Boreower and Lender may agree in writing, however, thai ineerest shull be pald on the Funds. Lender shall give to Borrower,
<br /> with�pt�h�ror, nn»nnnnl nrrrnmtln�nf :Str �.F�!P�1�, chnwin� rmtlitc mtd dehit� to the Funds and tho uurnusc for which cach
<br /> dcbit to the Funds was madc.Th�Funds�re pladgcd as additic�nal security for all sums secured 6y this Suurity Instnrment.
<br /> If the Funds 6eld by I..cnd;.r exceai the amouats permitt�sd ta be held by applic:tble law.Lender shall uccount to Aorro�ver
<br /> for tho excess Funds in accordanr.e with the reyuirements of applicable law. If the amount of the Funds held by{.ender at nny
<br /> tlme is not sufficient to puy the�serow Items when due, L.ender may sc�notify Horrower ln writing,and,in such cas�:Borrower
<br /> shall pay to Le�ides.thr�a�ttaunt necessary tu make up the deficiency. Bocrpwer shall make up the deficfency in no morc tlian
<br /> tw�elve rwnthly pzyments,at Lexeder's solc discretian.
<br /> Upon pa}•ment in full of ull sums secured by diis Security Instrument, Lender shnll promptly refund to Burrower any
<br /> ' Fw�ds held by Lender.if,under parngraph 21, Lender shaU acquire or seU tl�e Pro�rty,f.ender, prior to the ucquisntion or sul�
<br /> af the Property, shall apply any Funds held by Lender at the time of ncquisition ur�ttle as a credit against the sums secunxl by
<br /> this Security[nstntment.
<br /> 3.Appllcatton o[Payments.Unless applicablp lA�v provides othcrwise,all payment,5 reccivod by Lender undcr paragrrphs
<br /> 1 and 2 shall be applied: first, to any prepayment charges due under the Nute; sGCOnd,to amounts payubic uncler paragrnph 2;
<br /> ttiird.to interest due; fuurth.to principal due; and last,to any late char�es due under the Note.
<br /> 4.ChAr�es;Liens.Borrower shAll pay aU taxes,assessments, cha�6es, �nes aad impositions attdbutublc to thc Prc►perty
<br /> which may uttain priority over this Securiry Instrument, and Ieasehold��yments or ground rents, if any. Borrower shall pay
<br /> th�se obllgations in ths manner provided in paragmph 2,or if not paid in th�t m:w►cr.Borro�ver shall pay them on tinx din�ctly
<br /> to the person owed payrrwnt.F3orrower shall�rompNy fi�rnisfi to L,endc�all noticc.s of F�moi�nts to bc paid undcr t6is parngraph.
<br /> If$orcpwcr makcs the.se paym,*.nis directly,Rorrower shall promptly fumish to Lender z�ceipts cvidencing thc payments.
<br /> Sorrower shall pmmptly dischnrge any lien which has priority over this Securiry Instrument unless f3onower:(a)ag�ecs in
<br /> � writing to tNe payment of the obligation sc�cured b�thc lien in a munner acceptable to Lender;(b)cantests in good f:uth the lien
<br /> , by, or defends agvnst enforcement af the lien in. Iegal prcxeedings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)securea from the holder of die lien un agreement;ztisfactory to Le�xler suboj•dinatin�the lien eo
<br /> d�is 5ecurity Instcument. If Lender determines that any part of the Pmperty is subject to n lien whicl� may attain priarity over
<br /> tl�is Securiry[nstrument,Lender may givo Borrower a notice identifying tlie lien. Borrower shall satisfy the Iten or talce one or
<br /> more of the action9 set forth above witliin l0�ays of the giving uf notia:.
<br /> Form 3028 9190
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