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<br /> TO(3ETH8R W1TH nU thc improvcments now or hereafter erectcd on tl�s property,nnd ull �ascments,uppurten,uices, end —
<br /> fixtures naw or I�ere�lfter a pan of the property. All replacemcnts and udditions shall AI50 be covered by this Secu�ity —
<br /> Instrument.All of tl�e foregoin�is referred to in this Security Instrument us the "Property."
<br /> BORROWER COVEIVANTS that Banowcr is lawfully seised of the estute licrcby convcyed and hns thc eight to grant and
<br /> convey th: Pro��riy ssnd the! the Prep�rt� is ann��umlx+rFd, except f�r encumbranees of record.Dorrower wnrrants and will
<br /> defend�enernlly tiie titic to the Property a�ainst nll claims end demands,�ubjc;ct to uny encumbrartccs of record.
<br /> .... nrin��ntTV tOTptI1tOAIT.....„tis�����n:fr.m�r,.�,.„A„��F,.r nirinnnl u�e and non•uniform covcnants with limited
<br /> 1111�7 JLY�..V{�il l ��\J\��Vl1�L���• b • -
<br /> variations by Jurisdiction to constitute a uniform security instrument covering real property.
<br /> UNIFORM COVG�NANTS.Borrower und L.ende�•covenant and ugree us follows:
<br /> 1. Payment ot Principul ancl Interest; Prepayment and Lute Churges. Rorrowcr shull prompt(y pay when due the
<br /> principal of and interest on the debt evidenced by the Note and nny prepayment and late charges due under the Note.
<br /> 2.Fuuds for'Taxes and Insurunce. Subject to npplicable law or to a written wniver by Lender, Burrower shall pay to
<br /> Lender on the day monthly paymr.nts are due under the Note.until the Note is patd In fuU, a�um ('Funds")for:(a)yearly taxes
<br /> and assessments which may attain priority over this Security Instrument as a lien an the Property; (b) yeurly Ieasehold payments
<br /> or ground rents un the Property,if any;(c)yeurly hazard or property insurance premiums; (d)yearly flood insurance premlums, _
<br /> if any; (e)yearly mort�a�;e insurance premiums, if any; and(� Any sums payable by Bonower to Lender,in accordanca with _
<br /> the provisions of parAgraph 8.in lieu of the payment af mortguge insurance premlums.These iterns are called "Escrow Items."
<br /> Lender may, at Any �ime, collect and hold Funds in an amaunt not tu exceed�the maximum amount a Iender for e federally
<br /> related moitgage loan may require for Darrawer's escrow accaunt under the federul Real Estate Settlement Proce,clures Act of �
<br /> 1974 ns amended from time to tims, 12 U.S.C. Section 2601 et•seq. ("RESPA"),unless anothcr law that npplies to the Funds
<br /> sets a lesser amount. If so, d.ender may, nt any time, collect and hold Funds in an amount not to exceed the lesser amount.
<br /> L.ender may estimatc thc amount of Funds due on the basis of current data snd reasonablc estimatcs of expenditures af future
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds sliatl be held in an instltution whose deposits aze insured by u fecleral agency, instrumentality, or entiry
<br /> (including Lender, if Lendcr is such�n institution)or in any Federal Home Loan Bank.Lender shall apply the Fur.ds t�pay the
<br /> Escrow Items. Lxnder may not churge Borrower for holding and applying che Funds, annually analyzing the escrow sccount,or
<br /> verifyin�the L�scrow Items, unless L.ender pays Borrower intemst on the Funds and applicablc law permits Lender to make such
<br /> a charge. However, Lender may requirc Borrower to pay a one-time charge for an independent real estnte tax reporting service
<br /> used by Lender in connection with this loun, unless applicnble law provides othenvlse. Unless an a�reement is made or
<br /> �s.3��lc!a•a r.x�uir�in;er.°�:sa�. gai�+.Lresder�hs!!:i�!!w r�uired t^ra;P!�.nawer any imar�st ar earnines on the Funds.
<br /> Borruwer and Lender may agree in writing, liowever.that interest shall bc paid on thc Funds. Lendar shall give to Borrower,
<br /> withottt charge, an annual accounting of the Funds, showing credits and debits to thc Funds and the purpose for which each
<br /> debit to the Funds was mude.The Funds Are pledged as udditionul security for all sums securod by ihis Security Instn�ment.
<br /> If tl�e Funds held by I.ender exceed the amdunts permittcd to be held by applicable law,Lender shall account tu Horrower
<br /> far the excess Funds in accordance with tlie requirements of applicable law. If the amount of the Funds held by I.ender At any
<br /> time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing,and, in such case Borrower
<br /> shall pay to Lender the amount necessary to make up tlie deficiency. Borrowar shall make up the deficiency in no more U�an
<br /> twelve monthly papments,at Lendcr's sole discretion.
<br /> Upon payment in full of�ll sums secured by this Security Instrument. I.ender siiall prornptly refund to Borrowcr any
<br /> Funds hetd by Lender.If,under pnragrnph 21.Lender shall acquire or sell the Property.Lender, pric�r to the acquisition or sale
<br /> , of the Propeny,shxll apply any Funds held by L.ender at the time of acquisition or sale as a credit aguEnst the sums secumd by
<br /> this Sccurity Instrument.
<br /> 3.Application of Payments.Unless npplicable law provides othcrwise,all payments received by Lender under paragraphs
<br /> 1 and 2 shall be applied: first,to any prepayment charges due under the Note; second,to amoun�s paynble under parngraph 2;
<br /> third,tn interest due;founh.to p��incipal due;and last,to any late charges due under the Note.
<br /> 4.Charges; Llens.Borrower shall pay all taxes,assessments, charges, fincs and impositions nttributablc to the Propeny
<br /> which may attain priotity over this Security Instrument. and let�sehold payments or ground rents, if any.Borrower shall pay
<br /> Ii�Cx uuiigaiiuGS ii��-u:r,aracr pravid;,c!in Fw�b wj,�S: �'If ZC:Fwt�t.^.tti�::!'.^»S!:l�:'.�Qt':4".,�p �li,gji r?5' {j�a!1]0I!t1lt?r�iraCtiv .
<br /> to the person awcd payment. Botrowcr shall promptly furnish to Lender nll notices of e�nounts to l�e paid undcr this parngraph.
<br /> If Borrower malces these payments ditectly,Horrawer shall promptly furnish to Lender rer.eipts evidencing the payments.
<br /> Bonower shall promptly dlschasge any licn which has priority over this Security Instrument unless Borrower: (a)agrees in
<br /> writin$to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in goad faith the lien
<br /> by. ur defends against enforcement of the licn in, lcgal procecclings �vhich in the Lender's opinion operate to prevent the
<br /> enforcement of the licn; or(c)sccures from the holder of the licn an agrcement satisfactory to L.ender subordinating the licn to
<br /> ; this Security Instrument. If Lendcr dctermincs that any part of the Property is subject to a licn �vhich may attain priority over
<br /> this Sccurity Instrument, l.endcr may givc Donower a notice identifying the lien.Bonower shall satisfy the lien or takc one or
<br /> more of the uctions set forth above within l0 days of the givin�of notice.
<br /> � Form 3028 8190
<br /> � Pnfle 2 0l U
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