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<br /> " 1�Qt3GTi-ik?It �VIT'H nll th� impravenient�now or herelfter crutcd on tho�ropcfiy..Qnd u11 c�ascmen4�,i��puQC�il�ir�cs, and
<br /> �. Cxwres now or herettfter a p�c¢of tha property.A!1 replacements and additloa�sbnll nlso be covered by this yccueiry l��s�iurncrt.
<br /> r.��..'��� All of tl�o foragoing is rcferred to in thia Security Instrum�cnt es tho"PrapertY." _;:
<br />`==:t,..• � . HORRQWBYL CUV6NAN7'S that Borrowcr is U►wfu(ly sciscd of tho cslnto hcrcby convoycd nnd huv Uio right tu grant end �
<br /> -'::�ti�� cenvey Aic Property end that tl�o Property is unensum6ered,except for cncumbmrtscs of rccord. Horrowcr warrants ond will ��.
<br /> - � • p U{'r`lN1U�bui.Ia�i'�M V MRV W V�:�':v"�'�'r enoir�ol alY��eMm�R�rl A�manrlu anF�{e�[`t f0 HDV COCtlIitIfI011CC.4 OF fCCOf(I. _._
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<br /> � Tt1IS SF?C[1FtITY INSTRUMENT combinrs ur,iform covennnts for nattonel uso and nAn-�enifarm covenrants wtth 8miicd
<br /> u �.i�. i���^� .n�onvn�lna MA)OMflCl[V. n �:.
<br />_'_^.�� variepons Dy jurisdicuun iu wi�uiuio 6 w��.v..�.&:�. wj• A:�.......�-_..a • _-:
<br /> ='�`�""�' UNIFmRM COVENANT5.IIormwcr and 1.ender covcnant end agrea av followa: -e
<br />'_�`:';'�:# � _
<br /> 1.Paymrnt of i'�Ineipal and[nte�•est;Prepayment pnd LAte Charges. Danowcr shall prompdy puy when due tha k:�.
<br /> �;,,�„�,�'� pr�ncipal of and interest on dic debt eviden�ed by tho Note and any prepAyment end lute charges duo under the Note. __
<br /> �� . 2.FY�ndA for Taxes and Inaurance. Subject to upplirmble law or to a wdtten walvcr by Lcnder, Sonower shall pay to _
<br /> �``�r'��� L,cndcr on th�dAy m�nthly payments aro dua under thc Noto,undl thc Nou is pnid in fuU,a sum("Funds")for:(n)yearly taxcs _-
<br /> j>'���',�' and assessments which may nunin pdority ovar thIs Security InstrumGnt as a licn on tt:e Property:(b)yearly leascho;d payments
<br />�:r�"n;� or ground r�nts on thc Property,if any:(c)yearly hazard or property insurance premiums;(d)ycarly flood lnsurance prerr►lums,i(
<br /> ____ any;(o)yearly monga�e insurance preminms,if any;and(�eny sums payable by Bonower to Lender,in accordance with the
<br /> -��jv�� provislons of parugraph 8, in lieu of the payment of mortgage insurance premiums. These items are r,alled "Escxow Items."
<br />�----- L,ender may.at any dme,collect and hold Funds in an amount not to eacced tho maxlmum amount a leader for a federally ralated
<br /> mortgage loan may require for Borrower's escrow ac�ount under tho federal Real Estate Setticment Procedures Act of 1974 av
<br /> -- amended itorii Wue to dme,12 U.S.C.Sc�t�on 2fsS?1 et seg. (RESPA ),unless another law that applies to the Funds sets a lesser
<br /> _ �� ��
<br />--= - amouni. If so,I,,ender may,at any dme,collecc and hold Funds in an amount not to eaceed the lesser amount Lender may
<br /> .�,.i,�,;,a.� esdmate the amount of Funds due on the basis af current data and reasonable asdmates of axpendlturss of future Escrow Items or
<br /> _°"°`_ otherw'L,e in accordanca with applicable law.
<br /> _..�� 'The Funds shall he held in an institudan whose deposlts sre[nsured by a federul agency,inst:umentality,or eadty(including
<br />----= Lcndcr,if L.ender i�such un i�nsdwdan)or in any Fedcral Home Loan Bank.Lendcr shall apply the Funds tn pay the Bscrow
<br /> - Items.Lender may not chcuge Bormwer for holding and applying the�unds.annually anelYzin$tha es�roW account,or vetlfying
<br /> the Fscrow Items,unless Lender pays Borrawes interest on the Funds end applIcable law permits L.cnder w make such a charge.
<br /> However,Lendcr may require Bosowcr to pay a on�-dmc chargc for an indcpcndent real estace taa cePortinB�cn'ice used by
<br /> Lendcr in conaoction wlth this loan, unless applicable law provldes otherwisa.Unless an egrcement is msde or ep�plicable law
<br /> requlres ineerest to be paid,L.ender shell not be reguired to pay Borrowtr any interest or eaminge on tho Funds.Borrower and
<br /> ������a����.��s,�•�E:,�� Ao u;��ar ehat iu:�►ai�l�n the Funds.Lcnder shall Aive to Barrower,without charge,an
<br /> ___—= ennual accounting of the Funds,showing credits and debits to th�Funds and tho purpose for whIcli each debit to the Funds was
<br /> = made.Tlie Funds are pledged as addidonal security for all sums secured by this Sccurlty Instrument
<br /> - If tho Funds held by L.ender e�cceed thc amounts pem►lt►.ed W be held by applicable 1�1w,L,er►rier shall account W Horruwer for
<br /> the exccss Funds in accordance with the requirements of appllcable law.If the amount of the Funds held by L.ender at any dme is
<br /> not sufticient to pay the Escrow Items when due,L.ender may so no�fy Borrower in writing,and,ln such case�3orrower shall pay
<br /> co Lendcr the a�nount neces.9ary t� make up the de�iclency. �orrower ahall make up the deficiency ln no more than twelve
<br /> monthly payments.at I.ender's sole discre[lon.
<br /> Upon paymcnt In full of ull sums securcd by this Sccurity Instrument,Lender shaU prompdy refund to Bonower any Funds
<br /> held by Lendu.If,under paragraph 21,Lender shall acquire or sell tl�e Property,Lender.pdor to the nequisidon or sale of tho
<br /> Pcopexty,st►all apply any Fhnds held by Lender at the time of acquisition or sale as a credit against the sums secured by this
<br /> Security Instrumen�
<br /> 3.Applicatbn ot Peyments. Unless epplicable law pmv�des otherwise,all payments received by Lender under paragrsiphs
<br /> ------ 1 und 2 shall be applicd: 6rst,w e�iy prepuyment charges duo undeP the Note;secon�l,eo emaunts payablo under para�raph 2;
<br /> third,w inusest due;fourth,w principal due;end last,to any lato charges due undu the Nuw.
<br /> 4.ChArges;Lkns. Borrower s1iaU pay all taxes, assessmcnta, charges.fines an�d imposiHons naributable W the Pcopeny
<br /> which may auain pdorlty over this Security Insnumeni,and leaschold pnyments or ground rents,if any.Hotrawu shall pay ihese
<br /> abligations in the manner provided in peragraph 2,or if not paid in that manner,Borrowu sliall pay them on dme directly to the
<br /> -- - pason owed paymen� B�rrowci shaii prompdy fumish to Lenda all�wuu;� ui n,�iooi►io io w�,�:�w�uu i;,;�F,.:..�,.:.,.h.I.°
<br /> Bonowcr makes these pTyments direcdy,Borrower al�all prompd;+fumish to Lendcr rcceipts evidencing tho payments.
<br /> - Borrowu shall prompdy dischacge any lien which has prloriry over this Security Instrutinent unless Borrowe,r: (a) agees in
<br /> - wridng to the payment of the obl3gation secured by tha Itcn in a manner acceptable w Lender.(b)contests in goad faith the l�en
<br /> by. or defends against enforcement of the lien In, legal proccedinga which in the Lender's opinion operate to prevent Ihe
<br /> enforcement of the licn;ar(c)secures from tt�e holder of tha llen an agreemcnt satisfxwry to Lender subordinating the licn to
<br /> - this Securk}+InstrumenG If Lender detumines that a��y part of the T'roperty is sub,jece to a lien which may attain priurity o�er this
<br /> —= Securiry Insuument,I.endcr may givc Borrowcr a notice idcntifying thc flcn.Borrowcr shWl satisfy the lien or teke one ar morc
<br /> _____�� of thc acaons set forth above within 10 clays of the giving of nodce. _
<br /> --- Form J02S 9100
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