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<br /> 'PQC.�C�:I'HIiR�VITi� nU Qu im��rovemcmy no�v or I►crc.►Rcr ceccted�n�tii�praPcety.mid nll c���:emrnts,npp�n'tcn,mccs,nnd „�
<br /> fixw�CS ninv �n• hcrccdtcr n nar� of �hc pr��perty. All repl..cc�ncuts nnd nddiliuns �:ha.11 al+u hc cuvcrccl by rhis �cc�u�ltY �-
<br /> Instr�m�cnt.All of thc foregninb is referrcd ai in thie 3ccurfty Instrument i�.v tiie"Propc�7y."
<br /> ppftPtO�V�R CQV�NANTS thnt Ff{�rr�►wcr ie InwQdly �cised of thc cstntc hcrcby c�►nvcycd nnd huc tl�c right ta E;PRIII Iill(I
<br /> convey �lie Prup:rty nnd Ihnt the Pr�iperty fs unencumBered, exerpt iar enccimhi�u�cc+ of i�cord. °orn+::er:v:trr::a�� �ad c�il!
<br /> dcfcnd gcncrully Qic titic tu Ihc Pro��erty ugninst all clnims und�Icmonds.subJcct ta nny cncumbrunccs uf rccord.
<br /> 'fHIS SECURITY INS'fRUMf?NT combincs uniform covcnnnts for�i+ltinnal usc and non-�mifonn ci►vcnnntn with limited
<br /> vlrintions by jurisdictian to constituto a uniform sccurity Instn�mcnt covcring m,�l proEx►iy. `
<br /> UNIFORM COVG�NANTS.Eiarrowcr unJ Lendcr cavenant nnd ugm.c ns foltows:
<br /> 1. Peymcnt of I'rinclpul and Intcr�h, I*repayment and Latc: Cht��qav. Borrowcr shull promptly pny whcn du� the
<br /> principal of and intcrest on the debt evidenced by the Note n�xi ony prcpa5�►nent aid late churges duc under the Notc.
<br /> 2. l�uds[nr Tax�v nnd Ii�se�rance. SuUject to npplicablv lc�w or ta � wrltten wuiver by I.ender, B�rrower slutll pay to
<br /> [.ender on the dny manth[y payments aim duc unt�er ths Notc,until tha Not�is pald in full,n sum("Fund�")for:(a)yenrly tuxcs
<br /> and nsscssments which may nttain priarity over this Securiry lnstrument ns n lie.n on thc Froperty;(b)yGlrly Ieasehold payments
<br /> or ground rents an the Property,if nny;(c)yearly ha;tard or prope�tp i�sum�n�premiums;(d)yeurly flaod insurance premiums,
<br /> if any: (e)yearly mort�age insurance premiums, if any; nnd(0 a�y sums payable by Barrower to Lcndesr, in accordlnce with
<br /> the pt�ouesIons of paragraph B, in lieu of thc payment of mart�aFe insurunce premlums.Thes�itcros are calied "Escrow It�:ms."
<br /> [,enrle:r ti-�fv, at any time, collect a�id hold Funds in An untaunt not to exceed the maximum amount a lendcr for n fedorally
<br /> fCla:i':l�nrrt�,,��e loan may require for Borrower'�escrow accaunt under the federnl Real �state Settlement Procedures Act af
<br /> 1974 ots a:^ei�^'.:Y3 P=e:�i tiinc to lime, t2 U.S.C. uectian 2601 et seq. ("R�SPA").unless anather lnw tbat applics to the Funds
<br /> sets A lesser:��:run't. Zf so, Lender mny, nt any time, cc�llect and tiotd Fiaa�ds in an amount not to exceed the Iesscr mnaunt.
<br /> I..cnder may rarimate the amount af Funds due on the basis of cunene d.�?a:�nd reasonabte estimates of expenditures of future
<br /> Escrow Ieems or othcnvise in uccozdnnce with applicable Inw.
<br /> The Funds st:n11 bc held in an institulion whose deposits are insured by u federnl ugency. insttvmentality, or cntity
<br /> (including Lender, if�,ender is such an institutior.)or in uny Federal�ante Lotu►Bank.Lcnder shall upply ths Funds ta pay the
<br /> �scrow Items.Lenc�ar may not charge Rorrowr-s for holding und upplying the Funds, annually analyaing the escrow uccount..ar
<br /> verifyjrig the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such
<br /> a charge. Huwever,Lender may require Borrower to pay s one-time charge for an independent real esrnte tn�c reporting scrvice
<br /> used by Lender in cunncctian with this loan, unless appticnble law provides otherwise. Unless an ag�eement is made or
<br /> applicable law requires interest to be paid, I.cndcr shall not be required to�ay Borrower any interest or�mings on tlie Funds.
<br /> u�n��,nT a�ui I rnrirr m.�y aeree in writine. however, tht�t interest shall bo paid on the Funds. Lcndor shsll give to Bortower,
<br /> witltout charge, nn annuul accounting of ttte i'unds, showing credits astd debits to the Funds ancl Uie purpose for wnich cach
<br /> debit i�the Funds was made.'x'he Funds are plad�ed as additional security for all sums secured by this 5ecurity I��stntrnent.
<br /> IP 4he Funds lield by Lender eaceed th�e nmounts permitted to ixs lield by applicablo lnw.C.ender shall accovnt to Iiarrower
<br /> fur the excess�unds ir►uocordance with the requirements of applicablc law. if the amount of tlie Funds held by Lcndcr at any
<br /> tin�e ls not sufficient to puy the Escro�v Items when dao,Lender may so noti�'y Borrower in writing� and.in such case Borrower
<br /> shall pay to L.cnder tho ainount necess3ry to make up the de�iciency. Barrower sltall mukc up thc dcficiency in no mara thsn
<br /> twclve montlily payments,at II.ender's sole discretion.
<br /> Upon payment in full of ull sums secureci by this Security InstrumEnt, Lender shall promptly refund to Borrower any
<br /> Funds I�cld by Lender.if.under paragraph 21,Lender shali acquire or sell the Property,Lender,prior to tho acquisition or sale
<br /> Q�the Praperty,shall apply any Funds held by�i.ender at the time of acquisi�iun or sate cis a credit u�ainst the sums secured by
<br /> this Sccuriry[nstnunent.
<br /> 3.ApplicaHon of Pay�nents.Unless applicable law provides otherwise,ull payments received by Lender under paragrnphs
<br /> 1 and 2 sl�all be upplied: first.to any propuyment chazges due under the Note; second.ta umounts payable under paragrn�h 2;
<br />_ ini�u,iv i:�icicai uub;io::��.::,j....:::�:..!�s_:=^-'�!°—°�.te�ny I�tr rharorc due under the NotC.
<br /> 4. Ciuirg�.�;Ltens.Borrower shall pay atl taxes.assessments,CIIA�QC."s� fnes nnd impositions uctributabfe to the Propeity
<br /> which nnay attnln�eiority over tliis Security Instrument, and leasehoid paymcnts or ground rents, if any. Horro�ver sh�ll pay
<br /> thesc obligations in the m:umer paovided in paragraph 2.or if not paid in that manner,Sorrowcr shall pay them on timo directly
<br /> tu the person owed payment. Borrower sha11 promptly furnish to Lender all notices of amoun2s to be psid under this pAragrapla.
<br /> If Bnrrower mafces these payments directly,Borrower shall promptly furnisti to Lcnder receipts e�idencing the payments.
<br /> Bano��er shall promptly disrhargo any liPn which has priority over this Securiry Instrument unless Bormw�r:(a)agrees in
<br /> writing to the payment of the obligntion secured by the lien in a maro�er ucceptable to Lender; (b)contests in goal faith d�e lien
<br /> by, or dcfends against enforcement of the licn In, legnl proccedings which in the I..endcr's opinion aperate to �revent thc
<br /> enforcement of the lien;or(c)secures from►he holder of the llen nn ngreement sntisfactory to L.cnder subordinating the lien to
<br /> this Sccurity Instrument. if Lender determincs th�t any parc of die 1'roperty is subject to a lien wl�icli may attain priority ovee
<br /> this Security Instrume�.u, Lender may give Bonower a notice identifying the lien.Borrower sh�ll satisfy dte licn or take one ar
<br /> more of the actions sct forth ubove within 10 days of the giving of notice.
<br /> • Form 3028 9180
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