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<br /> TOGF.TH�R WITH nll the i�npravemr.nts no�v or hereafter cre�tect on the properly, and all cascments, appurtenanccs, nn
<br /> fexture�� nnw or hereafter n part uf Qir, propc:rty. Ail repinec�ncnis nnd additions shnU nlsa he cove�•ed by tlils Securiry �^
<br /> Instrumcnt. All of the furear�inp is refcrrcd tu in this Security Inst►•umcnt as t{ic"Pnjperry." ��_-
<br /> �Q�oQ�.���C�y�NANTS tliat�rcowcr is ln�vfully sciscd of the estate hcrcby cnnvcyed cind lins the right to grnnt and �__,
<br /> eonvey the Properry and thnt Qie Propeny is unencumbered, except for encumbrnnces of recard. fiairR�we� wa��c�n;; an;3 h�lf! _
<br /> defend�encrally the title to Ule P�npe�ty ugainst ali cli�ims nnd demands,subJect to any encumbrnnce�of record. __
<br /> 7'HIS SL'CURITY INSTRUMENT wmbines uniform cavennnts for n�ttonnl use nnd non-unifomi covminnts with limited
<br /> vuriations by jurisdiction tn constitute n uniform security insnvment cavering real nroperty. �
<br /> UNIFORM COV�NAN'Y'S. Hurra�ver and Lender covennnt and ngrec as follows:
<br /> d. Paymene of Pelncipa� and Interest; Prep�yment and Late Charges. Bono�vcr shnl! promptly pay when due the
<br /> principal of and interest on tlic debt evidenced by tlic Notc and nny prepayment und late chargcs due under the Notc.
<br /> 2. FY�ndg for Tsixes and It�surnnce. Subject to applicable law or to n written ws�iver by l.ender, Borro�ver shall p�y ta
<br /> L.cnder on the day maithly payments are due under tb.c Notc,until the Note is paid in full.A sum("Funds")for:(a)yearly taxes
<br /> and assessments which m�y attain�riority ovor this Security Instrument as n lien on the Propefty; (b)Year1Y leasehold payments F
<br /> ur ground rents on tlic Propeny�if any;(c)yearly liazurd or property insurance premiums;(d)yearly floal insurctnce premiums.
<br /> if cuiy; (e)ycarly irort�ape insurunca premiums, if nny; and(�any sums payablc by Horrower to Lender, tn uccordance with
<br /> the provir�ions of paraQraph S,in lieu of the payment of mortga�e insurance premiums.These items ure cs►Iled"Bscrow Items."
<br /> [.endcr may, ut any timc, collect and hold Funds in an amount not to exccecl the maximum amount a lender for u federaUy
<br /> relaud mortgnIIc leam m�y require for Bonowor's escrow account undsr thr,fcderal Real Estate Settlement Pracedures Act of
<br /> 1�Y14 as a�ttandr.d fram tirer,to tima, 12 U.S.G. Section 26(ll er seq. ("RESPA"). unless another law that applies to the Funds
<br /> scts a iesser amuuat. If'so, G:ndnr may, at any time, collr:ct and hold Fnnds in an simount not to exceed the lessei�amount.
<br /> Lender►nay estirnate the nmount of�unds duo on the basis of current datu und reasonablr,estimntcs of expenditures of futurc
<br /> Escrow Items or otherwise in accordance with 3pplie.able law.
<br /> The Funds shall 6c held in an institution �vliose depoaics are insured by a federal agency, instrumentality, or entity
<br /> (including Lender,if I.ender is such an institution)or in any Federal Home Loan Bank•L'.ender shall apply the Funds ta pay the
<br /> Escrow Items. Lender mny not chux�,e Bonower for holdinII and.npplying the Funds,annually unalyzing the escrQV,acoount,ox
<br /> vedfying the Escrow Items.unless i..ender pays Boirower interest on the Funds and applicuble law permits Lender t��nr�lcc suofi
<br /> a charge. Howevcr. L.ender may require Horrower to pay a one-time charge for an independent real estate tax reporiir..�sxrviC�
<br /> used by Lender in connection with this loan, unless applicable law provi�les othecwise. Unleas an agreement is made or
<br /> upplicable law requires interest to be paid,Lendcr shall not be required to pay Bonower any interest or e.�unings on the Fu�ads.
<br /> Borrowcr and Lender may aAree in writins, however. that intesest shall ba paid on the Funds. Lender shall�ive to Rorrower,.
<br /> wichout cnargc, s�� a,-�i�a! a�s;rti::g of tl:� Pu:�, shewl��r,•rdics and debits to the Funds and the purpose far which e�ch
<br /> debit to the Funds wus made.The Funds are pledged as additional security for�ll sums secured by this Security Instmment.
<br /> If the Funds held by I.ender exceed the amounts permitteci to be held by appficable law.Lender shs^Sl ACCOl1rit t0 B6xi1(1Y�'V+'
<br /> far the eacess Funds in nccordance with the re.�uirements of appltcable 1Qw. If the umount of the Funds'he.lct by LendKr at.�ny
<br /> time is nat sufficient to pay the Escraw ltems whon due,Lender may so natify Boreower in writing,and,nn such cnse Borrower
<br /> shall pny to Lencler the amount necessary to mu{:e up the deficiency. Borrower shall make up tho defioiency in iv� m�Ye thau�
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> Upon p�yment jn(lill of ap sums secured by this Security Instrument, L.ender shall prompily te.fund to Borrower tu►y .
<br /> Fu�xls held by Lender.[f,under paragruph 21,Lender shall acquire or sell the Property,LenAer,prinr ta the acquisition or sale
<br /> of the Property.shnll apply any Funds held by I..�nder at the time of acquisition or sale as a crcdit ag�inst the sums secured by
<br /> this Security Instrument.
<br /> 3.Application of Ps�yments.Unless applicable law provides otherwise.all payments received by I.ender undcr Faragraphs
<br /> 1 and 2 shall be appticd: �irst, to any pn:payment charges due under the Note; second,to ainounts pay�ble under paragruph 2;
<br /> thini,to interest due; fourth,to princip�l due;and last,to any late charges due under the Note.
<br /> 4.Chorgcs; Ltet►9.Borrower shull pay all taxes,assessments,charges, fines and impositians attributnble to the!'roperty
<br /> which may attain priortty over this Sccurity Instrument. und leasehold payments or gmund mnts. if x��y. Borrowar s'hall pay
<br /> these obligations in the manncr provided in paragraph 2.or if not paid in that manntr,Borrower shall pay chem on tlma directly
<br /> to the person owed payment.Borro�ver shall promptly furnish to T.endcr all notices of sunounts to bc pniel under this paragreph. .
<br /> If Borrower makes these payments directly,Borrower shall promptly fumish to Lender reccipts evidencing che paymonts.
<br /> Bortower shall promptly discharge any lien which has priority over thjs Security IRStruu�ent unless Bonower:(a)agras in
<br /> writing to the payment of the obligation secural by the lien in a manner ucceptable to Lencltr;(b)contests in good faitl�the lien
<br /> by. or dcfends against enforcernent af the lien in, legal procecdings which in the Lender's opinion operate to prcv�nt the
<br /> enforcement of the lien:or(c)secures from the holder of the lien an agreement sarisfnctory to Lender subordinating the lien to
<br /> dus Security Instrument. If Lender determincs that any pan of the Propsrty is subjer.t to u tien whicta may attain priority ovcr
<br /> tliis Secvrity Instrumcnt, Lendcr may givc Borrowcr a noticc identifying the lien.Bonowcr sh�ll satisfy the lien or take one or
<br /> more of�t3ic actions set forth atwve within IU days of the giving af notice.
<br /> Form 3028 8180
<br /> Pepe 2 ot 0
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