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<br /> - TOGETHER Wl1'H nll the improvcments now or hercaRer erected on tlie praperty, und ull cnscments, +ippurtcuanccs,ni�d �_
<br /> -..:.�t_f fixtures now on c�reufter n part of the propeny. All rcptacements and additions ,hull QISU be cnvercd I�y this Security -_
<br /> `"`�� Instrument. All af the foregoing is referrcd to in this Security Tnstrument as du"Property." ;
<br /> '"':�� BOR[tOWER CO�ENANTS tliat Burrowcr is lawfully seiscd of thc cstutc hcrcby canvcycd and hus thc n�ht to gr�unt o.nd :__.
<br /> --�'� convey the property nnd that the Property is unencua�bered, �xcept for encumbrnnces of recard. Bnrruwer wiurnnts nnd well �
<br /> ,.__;� defend generally the title:ta the Property against all claims and demands. subject to nny encumbranees of record. __
<br /> ---° TN[S SECURITY INSTRUMBI�IT combines unif�rn�covenunts for national use und n�n-unifonn covenams with limitrAl
<br /> �'��'� variations by jurisdiction to constitutc a uniform sccuriry instrumm�t covering rcul property.
<br /> = UNIFORM COVENANTS.Borrowcr and I.ender c�wcnunt mid agrcc as follows: ;�
<br />~.y� 1. Payment of Frincipal and Interest; Preps�yment and Late Charges. Borrawcr shnll promptly pay when duc the _
<br />-.� n principal of snd interest on the debt evidenccd by the Notc nnd uny prcpayment and Into charges duc under thc Note. _
<br />' ix 2. Funds for Taxes and Insurnnce. Subject to appUcable Inw or to a written waiver Gy I..cnder, Borrower shull puy to _
<br />'.s` I.ender on theday monthly payments are due under thc Note,intil the Nate is paid in fuU,u sum("Punds")for: (n)yc;uly�tnxes
<br /> ;,`�`°'� nnd asse.ssments which may attain priority over this Securiry Instrument as a lien on the Property; (b)yearly leasehold puymentn
<br />°:�`�-� or ground rents an the Property,if any;(c)yi;arly hazard or property insumnce premiums;(d)yearly flood insurance premiums,
<br />--°__— if nny: (e) yeady mortgage insurance premiums, if any; und(�any sums payable by Borrower to ll.ender, ;n t�ccordunce with
<br />---= the provisions of parAgrapfi 8,in lien of the payment of mortgage insurance premiums. These items are called"Escrow Items."
<br /> -- Ixnder may,et uny time, collect and hold Funds in an amount not ta cxceed the maximum amount a lender far a fedemlly
<br /> ,'�,=;,� relatcd mortgage loan�nay reyuire for Bvrrower's escrnw nccount under the federal Real Estate Settlement Proceciures Act of -
<br /> �'—����� 1974 ns amended from time to time, 12 iI.S.C. Section 2601 et seq. ("RESPA"),unless annther law that applies to the Funds
<br /> ���� sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amaunt.
<br />""��� Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures af future
<br /> — Escraw Items or othenvise in accordancc with applicable law.
<br />-�""4° The I'unds shall bc held in an institution whose deposits are insured by A fedcral agency, instr�mentality, or entity
<br /> � (including L.ender,if Lende;is such an institution)or in any Federal Home L.oan Bank. Lender shall apply the Funds to pny tt�o
<br /> Escrow Items.Lender may not chazge Borrower for holding and applyimg the Funds,nnnually an�lyzin�the escrow account, ar
<br /> verifying the Escmw Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lendcr to make such
<br /> � a charge. However, Lendar may require Bonower to pay a one-time charge for an independent real est�te tax reporting servica
<br /> ��� used by Lender in cannection with this loan, unless upplicable law provides otherwise. Unless un agreement is made ar
<br />'11� _ aF�elcsble ZaW rPnnirec intere.ec to be Qaid.L,ender shall not be required to pay Aorrower uny intcrest ar carnings on the Funds.
<br /> "� Hotrower and Lender may agrec in writing, however, that interest shNl be puid on the Funds. Lender shall give tu Borrowcr,
<br /> --- • without charge. an annual acwunting of the Funds, showin� credits and debits to the Funds and the purpose for which exch
<br /> �' debit to the Funds was mude.The Funds are pled�ed as additional securiry for all sums securc�ci by this Securiry Instrunient.
<br /> a If the Funds I►eld by I..ender exceed the amounts pern�iited to be held by applicablo law,Lender shxll account to Borrower
<br /> for the excess Funds in accordance with the requirements of applicable la�v. If tl�e amount of the Funds held by Lendar at any
<br /> � tim�:is no� sufficient to pay the Escrow Items when due,I.ender may so notify Borro�ver in writing,and,in such case Borrower
<br /> f shali pay to Lender the amount necessary to make up the deficiency. Barrower shtill make up the deficiency in no mare than
<br /> . twclvc monthly paymcnts,ai I.ender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, I.ender shall promptly refund to Borco�ver any
<br /> Funds held by Lender. If,under paraaraph 21, Lender shall acquire or sell the Property,Lender, prior to the acquisition or sale
<br /> of the Propeny. shall apply any Fur.cls hetd by Lender at the tim�of acquisition or sale us a credit against the sums secumd by
<br /> � this Security Instrument.
<br /> � 3.Application of Payments.Untess Applicable law provides otherwise,all payments Qeceived by Lender under paragraphs
<br /> 1 und 2 shall be applied: 6rst,to nny prepayment charges due under the Note; second.to amounts pAyablc under paragraph 2;
<br /> third,to interest due;fourth,to principal due;and last,to any Iata charges due under the Note.
<br /> =--= 4.Ch�rgea;Licns.Borrower shaU pay all taxes, assessments, char�es, �nes und impositions attributable to the Pcoperty
<br /> — which m�y attain priority over this Security Instrument. ana leusehold payments or ground rents, if any. Bonower shall pay
<br /> -- these obligations in the manner provided in paragraph 2,or if not paid in that manner,Borrower shall pay thcm on time directly
<br /> ' to'the person owed payment. Bonower shall promptly fumish to Lender nll notices of amounts to bc paid undcr thi5 paragmph.
<br /> If Borrower makes these payment5 directly,Bonower shall promptly furnish to Y.ender receipts evidencing the payments.
<br /> Borrower shall promptly discharge nny tien which has prioriry over this Security Instrument unless Eorrower: (a)agrees in
<br /> __ . writing to the payment nf the obligation secured by the Iten in a manner acceptable to Lender;(b)contests in gooci fnith the!ien
<br /> by. or defends against enforaement of thc licn in, legal proccedinfis which in the L.ender's oninion operatc to prevent thc
<br /> enforccment of the lien:or(c)secures from tlic holder of the licn 1n agree�nent satisfactory to i,ender subordinaring the Ifcn to
<br /> ___ this Security Instrument. If Lender determir�es thAt any part of the Property is subject to a lien whicl�may attain priority aver
<br /> ,._� this Security Instrument, Lender may give Borrowcr a notice identifying the licn.Borrower shall satisfy the licn or take one or
<br /> — more of chc actions set fo�th above within 10 days of the giving of notice.
<br /> — - Form 3028 9180
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