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<br /> TOOETI-IE[3 WITH all the improvements now ar her��Rer eTected on the property,and uU ea���:ments, appuncn�nccs, nnd
<br /> fixtiu�er nnvi or itercafter n pnrt of Ihe property. All eepincemeeits und additions shull nlso hc covered hy lhis Securlty
<br />� Insu�umcnt. All of tl�c forcgoing is rcfcrrcd to in this Sccurity Instrumcnt us thc"Nmperty."
<br /> t30RRO�YGR COVENAN7'S�ha!Borrower is lawfully seised of the csti�le hereby conveycd und has the ri�ht w gmnt u�id
<br /> convey the Property and ehat the Property is unencumbered, except for encumbrunees of recmd. norrower wurr�nts nnd wll)
<br /> defend gener:�lly tlze tide to the Property ngainst uU claims und demands, subject to any encumbrnnres of record.
<br /> THIS SECURITY INSTRUMENT combincs.uniform covcnants far nation;d usc and non-unifonn cavennnts with limited
<br /> v�iriatirnis hy jurisdiction fo cunstitute a uniform securiry instrument coverin�reul praperty.
<br /> UNIFORM COVBNANTS.Borrower and L.ender covenant und agree as follows:
<br /> l. Poyment of I'rinclpal end Intcrest; Prepayme��t und I,pte ChArgc.9. Borro�ver shall pramptly �ay when duc thr,
<br /> principal of anJ interest on the debt evidenced by the Nate and any prepayment and late charges due wider tlic Note.
<br /> 2. Fv.r1.�1:1 for Tux� und Insurnnce. SubJect to applicable IA�v or to u written wuiver by Lender, Borrower sh�l!pay t�
<br /> I.endcr oi�tjie day monttdy payments are due under the Note,until the Note is paid in full,a sum("Funds")for:(a)yearly 4ises
<br /> anc3 assessments which inay attain priority over this Security Instrument as a lien on the Property;(b)yearly tcasehold paymen.tn
<br /> or ground rents nn the Prop;rty,if any;(c)yearly hazard ar propeny insurance prenniums; (d)yearly tlaod insurance premiums,
<br /> ii any; (e)ye�rly mortgaae insura;ice premiums, if any; and(� any sums puyable�y Barrower to l,ender, in accardance vridi
<br />` the provisions of pan��uph 8, in lieu of the payment of mortgagc insu�nn�premiums. These.items�►rc c.�llc:tl"Bscrow 11�rs�s."
<br />' Lender m�y, at any time, collect �nd holcl Funds in an amount not to exeeec! the m�.Yirpum :�maxmt A lender for A feclernfiy
<br /> rel�ted mortgagc loan may require for Borrower's escrow nccount t�nder th:f'e.dernl Fea� Estate Setdement Proaedutes Ac'[af
<br /> 1974 ns tunendcd iium tirr.:to time, 1Z U.5.C. Section 2G01 et sNq. ("RESPA"), unless anothcr law that app)ies to the Fund�
<br /> xets a 3rss;r�U-naunt. If sa, I,cnder may, at any time. collect and hold Funds in:u�amount not to excccd d�e lesser amaunt.
<br /> Lender m�y estimatc the amount of Funds due on the basis of current data and reusonable cstimatcs of expend'etures of fqta�rr,
<br /> Escraw Items or other,vise in accordance wlth applicable law.
<br /> The Funds sliull bc held in un institution whose deposits arc insureci by u fcdcrul ugcncy, instrutnentality. or ci�tity
<br /> (iuc:luding Lendcr,if Lcndcr is such an institution>or in uny Fcdcru! Hame I.oan[�ank. [.endcr sttull apply the Punds to pay the
<br /> Escrow Itcros. Lcndcr may not chargc;�urrowcr fur huldin6 and npnlyisis thc Funds,unnuully unidyr.liig[hc cs�ruw uccoui�t,�zr
<br /> vcrifyinb thc 8scrow Itcros,unlcss[sndcr pny�Rurrowcr intcrc9t on tl�c�unds und upplicublc luw�xrndts Ixnticr to�nnkc tiuch
<br /> a charge. F{�wevcr, [.endcr muy rcyuirc lim•rowcr to pny i�onc-timc churge fi�r un indcpcndcnt rcul cslutc tux rc�►arting u:rvlcc
<br /> uscd by I.cndcr in cvnncctlon wlth Utiis lu:m, unicss z�pplicublo k�w �rcwidcs iHhcrwisc. Unlcss nn ugrcentc��t is rnndc� or
<br /> sppNcablc li�w rcquires intcrest to bc pnid, IA»dcr sl�ull nc�t bc rcq�drul tu pay B��rrc�wcr uny intcrest ar cnrninlR3��ii thr,Cunds.
<br /> Rorrowcr nnd Lcn�cr mny ugrec In�vritiug, howevcr, that lntcrest shull be gald on thc Punds. IAnder tiludt give to[3urrcawer,
<br /> ;��i!h��t c!:sroe, »n::s�::us! acr.�s::tl::g ssf sts� �uud:, sl::s::�6::; c::wit:ss:d drl:lt: :a s"e Fzrs!s �::�t :he rsr;.��Ecr::-ls;c:: e.nc1:
<br /> dcbit to thc I7unds was muda Tlic Funds urc plcJgcd as additional securlty for all sumr�sccurcd by tbi:�Sr:¢urity InFitru�ur.ut�:
<br />' If the Funds t►eld by i.ender excecd the amounts permittcd to be held by nppli.c�ble law, l.ender shnit nacount to Bottvvr¢r
<br /> for the cxcc�s Pundu in nccordance with thc rcquiremcnts oF nppliaiblc law. It thr, amnunt of thc Fund►licl�by i.ender at uny
<br /> dme is not sufficient to pay the Escraw items when duc,Lendor may so notiPy I3errower iiz wciting, and. in 4uch ctiso Rotrawer
<br /> shall pAy to l..cnder the amount necessary to make up the deCclency. Bonowcr sl�cill mnke up the deficiency in no more thun
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> Upon paymcnt in fup of all sums secured by tt►is Security Instrument, [.e�;dLr shall promptty n,fund t� Borrower �tny
<br /> Funds held by Lender.If, under paragrnph 21, L.cndcr shalt acquire or sell the PE+.{�erty,L.end�r,gricr to•dta ncquiaition or sale
<br /> of the Property, shnll apply aqy Funds held by Lende►•at the teme of acquisition oc:�Ie us a c�-dit a�uinst thr..surns secured hy
<br /> this Security Instrumcnt.
<br /> 3. Applicatton af Payments.Urdess upplicable law provides otherwise.all payments�rcen��;ecl i�y i.,enu:r under paragrtiphs
<br />' 1 and 2 shall be applied: 4�r�t, to any prepayment ch�rges due under�ha Noie; second,to anlr���cs�ayutrtc�r.�nde�'paragrnph 2;
<br /> third,t�intcrest due;fot�r•c�,to principril due;and l�st, to any latc churges due v!xr:cr�.'�e N��u..
<br /> 4. ChatY;es; Ltens. �lorrawcr shall pay all tnxes. assessments, charges, fi..s.and im�o�i:ions attributnble to the Pro}�erty .
<br /> which may attain nriority ovor this Sccucity Instrument, and Icasehold payments ar grouno rrnts. if any. Borrower shuil pay
<br /> these obligattons in the manner pravided in paragraph 2,or lf not paid in that manner,Bon•ower shall pay tltem on time dfrectiy
<br /> to thc�rson owed paycr.ent,Bonower shull promptly furnish to Lencler all not�ces mf amounu to be paid urtder this paragraph.
<br /> If Borrower inakes th:se��yments dlrectly,BorrQwer shall promptly furnish to L.ander receipts evidenciRg tMe paymenu.
<br /> Borrower shall promptly dischsrse any lien which ht►s priority r�ver this Securisy Instrur.�ent unless Borrower:(u)agrees in
<br /> writing to the payment of tfic obligation secural by the lien in a manner acceptubJe to l.end�r; {b)contests in goocl fnith the lien
<br /> by, or defends against enforcemerit of the lien in, legal proceedings wliicli in the L.ender's op9nion operute ta prevent the
<br /> enforcement of the licn;or(c) secures from the holcter of the lien c{n nbreement satisfnetory to Lender su6�ordioating the lien to
<br /> this Security Instrument. If l,ender determines that any part of the Pcoperty is subject to a lien whieh tn�y�ttaln priority over
<br /> this Security Instrument, Lender may give Bonower a noticc idcntifying thc licn.Borrower sh�ll satisfy the lien or take onc or
<br /> more of the actions set forth above within 10 dnys of the givin�uf notice.
<br /> Fovm 3028 8190
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