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<br /> 'f(�t3[?I'l1I?tt NI'f U nll th�i►npmvemcnta no�v�r herc�f�r.e cc•ccted on tiio properiy,nnd nll cc�scinenis,nPp �.
<br /> i'ixturc� now or Imraaftcr n part of thc prciperty. All rcpluctntcnts und nddidon, ,�ha�� n�.��' lic covercJ by this �r,curity �_
<br /> Ins�rument. AU uf thc f�rcg�iog is rcfcrrcd tu in tlils Sccurity Insuumcut us tlic"Pn�perty."
<br /> DORROWHIt(:t)VBNAN'fS titut Dorr�wcr is InH�fully sclscd nf thc cstntc hcrcby cosivcycd cuzd hnh Ilic right to grnnt nnd
<br /> cnnvey the Pro�rerty nnd Ilint the 1'rnNer!y is uncncuml�erecl, exeept tor encumbrunees af record. Onrrower wnrrcints nnd will
<br /> defenA gtnerally the tiil�ta tho Nroperty ugainst all cl�ims and demnnds, tiubJect tn+my encumbrnncc9 of recorzl.
<br /> TlidS SEC4JRITY IN�TkUMr?Nr c��mbfnes unifarm covafnntE for nndc�nul usc nnd non-uniG�riii c�ivcnunts with limltcxl
<br /> .._i_�a�i_.,.,,....„o�fa��.n nnifi�rm s�turltV IliSll'Ulllcnt cavcrtn�rcal praperty.
<br /> Vi4ilUlIU119 Uy JUtlwt��nn�w...n...•.....--.-...... . -..
<br /> UNIFORM COVBNAN'TS.Borrawer und L.ends��ment und I.ute ChargespQnrrowcr �+hull promptly pc►y when due the
<br /> 1. Payment oP Principul anJ interest; lhepuy
<br /> priizcipal of and intcrest on the debt evideiir.ed by the Note and nny prcpaymcnt nnd Intc chargcs due undcr dic Note. �`y
<br /> 2. Funds for Taxc.w and Insurance. Subjcct to npplicable Imv or to n written watver by Lender, Borrower shr,11 i w
<br /> l.ender o��the dny monthly paynients arc due under tlie Note,until the Note�s paid In full,n sum("Funds")far:(n)y prl�taxes
<br /> und asscssments which may utt:un priority over this Security Instramcnt as a lien on the Prapcny; (b)yenrly Ieaschold � menU
<br /> or Sround rents on the Property.if any;(c)ycarly huznrd or properly insw�ancc pre.miums; (d)yearly flood insurnnce prnniums, _
<br /> ' if nny; (c)yearly moitgage insuruncc prcmiums, ff uny: und (�nny sums paynble by Borrower to Lcnder, in accordance with
<br /> the provisions of paragraph S, in licu of the payment of morigngc insurance premiums.Thesc itcros are called"Escrow Items."
<br /> L.ender may, at any time, collcct nnd hotd Funds in an amaune not to excced the maximum umount a Iender far a feclerally
<br /> related mortgage loan �nay require for Boerower's escrow accaunt under the federal Renl Estate Settlement Procectures Act af
<br /> 1974 ns amcnded fru��i time to time, 12[J.S.C. Sectian 2fi01 et seq. ("RESPA"),unless nnothcr law thut applies to the Funds
<br /> sets a lesser amount. If so, l.cnder mAy, ut any timc, collect und hold A�nds in un amount not to excced the Iessce umount.
<br /> L.ender may estimate the amount of Funds due on the basis of current data and reasonable estimates af expenditures of fLture
<br /> �scrow Itcros or otherwise in nccordatice with applicable taw.
<br /> Thc Funds shall be held in an institution whose deposits arc insured by a fedcrnl ugency, instrwnentuliry, or cntity
<br /> (including L.ender,if Lender is such an institution)or in any Fcdcral Home l.oan Bank.Lender shnll apply the Funds to pay the
<br /> �semw Items.Lender may not cluvge Borcower for holding and applying the Funds,annuully analyzing the escraw account,or
<br /> verifying the Escrow Items.unless Lender pays Borrower intcrest on the Funds and applicable law permits[.endcr to make suc:h
<br /> a charge. However, Lcnder may require Borrowcr 4o pay n onc-time charge far an independcnt real estate tax reporting service
<br /> usecl by L�end�r in �connection with this loan, unless applicable Inw provides otiierwise. Unless an agrecment is made or
<br /> applic��ble law requires interest to be puid,I.endcr shnll not be requimd to puy Borrower uny interest or eamings on the Funds.
<br /> noi,l,�,,,�j u„�i.�t�3�r ma� �gr� In�r':tr_g, n�wrver: chat interest shall be pald�n the Funds. I.endcr 3hull give to Borrower.
<br /> without cl�arge, an annuul accounting of the Funds, showing credits and debits to the Funds und the purposc for which e�cn
<br /> debic to the Funds was made.The�'unds are pledged as additional security for all sums secuced by this Security Instrumcnt.
<br /> If thc Funds held by Lender exceed the an�ounts permitted to be lield by applicable law,Lender shall acwunt to Borrower
<br /> for the excess Funds in accordance witl�the requirements of applicable law. [f tlie amount of the Funds held by i.ender at any
<br /> time is not sufficient to pay the Sscrow Items whcn due.Lender may so notify Borrower in writing,and.in such case&�rrower
<br /> shall pay to Lender the nmount necessary to make up the deficiency. Borrower shall m�ilca up the deficlency in no more dian
<br /> twelve monthly pAymcnts,at L.ender's sole discretion.
<br /> Upou payrnent in full of all sums secured by this Security Instrument, Lender shall promptly r�fund to Borrower any
<br /> Funds held by Ixnder.If,under paragrapli 21.Lender shall acquire or sell the Property.Lender. prior tu the acquisition or sale
<br /> of the Froperty,6hall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Security Instrtunent.
<br /> 3.Ap�ication of Paymeuts.Unlcss applicable law pruvides otherwise,all payments receivcd by i.endcr undcr paragraphs
<br /> 1 suxl 2 shnll b.applied: first, to any prepayment charges due under the Note; second,to amounts payable under paragraph 2;
<br /> tliird,to interest duc;fourth,to principal dae;and last.to any late charges due under the Note.
<br /> 4.ChAqges;L1ens.Borrower shall pay all taxes. assessments, charges, fines and impositions attributable to the Property
<br /> which may attain priority over this Sccurity Instrument, and lexsehold payments or ground rents, if any. Borrower shsll pay
<br /> ti�ess obligations in the mar►ner provided in parngraph 2,or if not paid in that manner,Borrower shall pay them on time directly
<br /> to the person owed payment.iiorrower si�aii prompiiy iuu�►���to L�,r��.�!.:�ti�.of»!'14L'[lt���hP naid uncier this oaraecaDh.
<br /> if Borrower makcs thcse payments directly,Borrower shalf promptiy fumish to Lcndcr rc;ceipts evidencing thc payments.
<br /> Borrower sha!!promptly discha��ge any lien which has priority over this Secudty Insuun�ent unless Bonower:(al agrees in
<br /> writing to the payment of the obli�ation secured by the lien in a manner acccptablc to Lender;(b)contests in good faith the licn
<br /> by, or defends ugainst enforcement of tlic licn in, legal proceeclings whi¢h in the I.ender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the lien an nbreement satisfactory to Lender subordinating the licn to
<br /> this Security Inst�ument. If Lender deterniines that any part ef the Property is subject to a licn whicl�may uttain priority over
<br /> this Security Instrument, Lender may givc Borrower u notice identifying the lien. Borrower shall satisfy the lien oc take one or
<br /> more of the actions set forth above within 10 days of the�+ving of notice.
<br /> , Form 3028 9190
<br /> P�pe 2 of 6
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