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<br /> `I'Qt's�:TNEiR�VlTH all�lie improvcme►its now ur iie�-c�Rer crcctcd on the��rudzc��ty, vid ull casemcui�, uppurtcnanccs, wttil
<br /> fixtu��cs no+v or here:�ft�r a p�rt of the praperiy. All replc�cements iuid nddiUuros shnll ulsu be rc�vcred hy this 5ccurity
<br /> st��rm�ncnr.All nf thc forcgoin�is referreQ to in tUis 5ecurity]nstivment ns thc "f'ropeny,"
<br /> pORYiOW�R COVSNANTS that Horrower is luwfu9ly scisod uf the estate I�ereby conveycd und has thc right tu grant iuid !
<br /> ronvey thu Prapcny nnd �hut the Property is unencumbcrcd, except for encu�nbrances uf record. Borrower wnrrimts nnJ will ;
<br /> defeird genenlly dio dllc�to the Pruixny agninst nll cluims cu�d demnnds, subject to nny encumbnmces of'record.
<br /> THIS SECURlTY lN��'�tUMENT cambines uniform rnveuants for nation�l usc und non-unifurm coven:ints wid� lin�itc;el
<br /> vuriutions i�yjurisdiclion to cunuituta n unif�rm security instniment rnvering renl property.
<br /> UNIFORM CUVLNAR(TS.Antm�ver and L.ender covenc�nt�s3�tl a;ree n,follows:
<br /> 1. PAyment of PrincipAl�nd �jltr,r�st; Prepayment nnd I.uta Charges. Borrowcr shull promptly p:►y when duc thc
<br /> principal ofand interest on Ihe dcbt evidenccd by 1he Note nnd nny prepayment and late churges due under the Note.
<br /> Z.Funds [or Tax�arrd Insurance. Subjcct to applicablc law ar to u written waivcr by Lendcr, Barro�vcr shall pay to
<br /> I.ender on thc dt�y ntonthly payments arc due under tha Notc,until the Note is paid in full,a sum("Funds")far:(a)yc:arly tuxc,
<br /> and nssass.�ient:a which muy nttlin prlority ovcr this Sccurity Instrument:u a lien on ti�e Praperty:(b)yeurly Icasehold payinents
<br /> ar ground ��cnt;;on the Property,if any; (c)yearly hts�.�rd or property insurnncc prerreiums;(d)ycarly flood insurance premiums,
<br /> if nny:(e�yencly moitguge insurnttee premiums, if nny: and(f� any sums payable by Barrower[o Lender. in aeeordance witli
<br /> Ui�provisiim�vf�t:�.�l�gma,ph 8. in lieu of tho puymwnt of mortgage insurance premiums.Tnese items nre called "�scra�v Items."
<br /> i.enAer m��y,"4 rrn�� cicaoe, collect and ilold Fund� in •,��i amount not to exceed the maximum nmount a lender for a federally
<br /> rclatesl m�rteqae 1.ucm r.�,ny require for Boiro�ver's cs�c:cuw account under the federal Re��l Estate Settlement Procedures Art of
<br /> 1974 t+s J ramnaad liurn ame to timc, 12 U.S.C. a".c�i�n 2601 et scq. ("RESPA"), unless anoZhcr law that applies to the Funds
<br /> sets a Ics�:R:r amunnt. Ft sn, Lender may, at any tim�, collect and hold Funds in an umount not to exceed the Iesser amount.
<br /> Lender n1:3y es7in�ate t;�c a�nnunt of Funds duc on dac Uasis of cureent data and reasonable estimtues of expenditares of future
<br /> Escro�v Items or other�visa in accordance witn applicuble law.
<br /> Th:� funda shalf be held in an institution whose dcpasits zre Insurcd by a fedcral agency, instrumentality, or cntity
<br /> (includiti�Lender,if L.ender is such nn institution)or in any Fede�lt�-Iome Loan Bank. Lender shall apply the Funds to pay the ;
<br /> Bscrow Items. l.ender mny not charge Borrower for hulding and upplying the Funds,annually annlyzing the escrow account,or
<br /> verifying the Escrow Items, unless Lcnder pays Borfu���er intcrest on the Funds and applicable Inw permits l,ender to make such
<br /> n charge. Hov�ever, Le»der may require Borrower to pay a onc-time charge for nn independent real estate tr�x reponing scrvice
<br /> used by Lcnder in connection with this loan, unless applicablc lnw providcs othenvise. Unless nn agrcement is made or
<br /> applicable law requires interest to be paid, Lender shalt not bc required to pay Borrower any interest or earnings on the i�Y�nd�s.
<br /> Bonowcr• and I..ender ra�ay a�ree in�vriting, however, that intcrest shall be paid on the Funtls.Lendcr shal!give ta Borrower,
<br /> without charge, an a�inii�l nccounting of the Funds, showing crulits and debits ao the Funds und the purpose for whieh each
<br /> debit to the Funds was niade. The Funds are plc�d�e3 as additional security for a9!sums secured by this S�;curiry Instnunent.
<br /> If the Funds held by Lender excced the amour�ts�ermitted to be held by npplicable law, Lender shall account to Bprsower
<br /> for the exoess Funds in accordance with the requirements of npplicable law. If the amount o+f the Fund�held by Lender at any
<br /> time is nat wfYicient to pay the Escrow Items when due,I.ender may so notify Horrower in writing,and,in euch case Harrower
<br /> shali pay to Lender the emount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
<br /> twelve monthly paymeaZg,at L.ender's solc discretion.
<br /> Upon payment in iall of all sums secured by this Security instrument, Lender shnll promptly refund to Bo►•row�r nny
<br /> Funds hsid by Lender. If,under�ar�prcriph 21, Lcnder shall acyuirc or sell thc Praperry,Lendcr,prior to the acquisition or sale
<br /> of thc:Property,shall apply any Funds 7�eld by Lendcr at tlie time of acquisition or sale as a crcdit a�uinst the sums securcd by
<br /> this Security Instrumr�ta.
<br /> 3.Application of!�.nyments. Unless applicable law providcs othorwise,all payments recr.ived by Lendcr under para.graphs
<br /> 1 and Z shall be nppl�ed: Grst.to ttny pi�epaymenc charges uue unucr►ne i�oiC; sewnd, w a►iwums puyavla u,�d�:�...agrapZ��;
<br /> t:�ircl,to is�terPSt due;faurtt�,to principal due:and lust,to any late char�es due under the Note.
<br /> 4.�l�a►ges; Lirns.Burrower shall puy nll tanes, ussessments,charges, �nes and imposicions attributabtc to the Property
<br /> wPuch►nay attain priarity over ihis Security Instrument, and leaschold payments or graund rents, if any. Borrower shall pay
<br /> thcse obligations in the mvmer provided in pnragraph 2,or if not paid in thut manncr,aonawcr shall pay�them on time directly
<br /> � to Uie per�sun owal payment. 13orrower shall promptly furnish to L.endcr all notice.a of amounts to bc pa{d undcr this paragrap:�.
<br /> If Borrower makes these paymei�ts directly,�orcower shall promptly furnish to L:ender receipts evidencing the payments.
<br /> Bon-o�ver shuil promptly dischnr�c any lien wi�ich l�as priority over this Security Instn3ment unless Bonower: (u)agrees in
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable to L.cnder; (b)contests in good faith the lien
<br /> by, or defends ag:iecr.;t enforcement of thc licn i�, Iegal procecdings which in thc Lendcr's opinion o}tcrntc to prevent the
<br /> enforcemr�nt of the lien:or(c)se.:ures from tlie holder of the lien nn agrcement satisfactory to Lendcr subordinating the licn to
<br /> this Security Instrument. If L.ender dctermines that uny part nf ti�e Pruperty is subject to a licn which may nttain priori3y ever
<br /> this Secarity Instnrment, Lendcr may bive Borrower a notice identifying the lien. Bonower shall satisfy thc licn or tal:c one or
<br /> mo�of the actions set Eonh above witt�in 10 days of the giving of notice.
<br /> Form 3020 f1I90
<br /> Po90 2 0l 0
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