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<br /> TOf]ETHBR WiTH all the improvements now or hereafler eractad on the praperty.u�d dl ea�emenu.ippurtenanoa.�od
<br /> tixturos now or here�fler a pwt of tho property. All replwxments and additioM sluil al�o be covued 6y �his Socurity
<br /> Ia�ument.All of the foregaiag is referred to in thi�S�:cudty inatrument w�the"Property."
<br /> BORROWER COVENANTS that Homawer is lowfully selsed of t6e eslate hereby conveyed nnd hns the right w grnnt u�d
<br /> _ convey the Property and thet the Property is unencumberod,except for encumbrana.� af rocord. Borrower wamnts �ud w1U
<br /> defend generally the tide to Ihe Property Against all d�ms pnd demend�,subject to any encumbrances of record.
<br />__.�� THIS SECURITY INSTRUMBNT combin�s uniform cove�wnts for national use und non•uniform oovenants with litnited
<br /> - _ _=_� voriwions by juriuHnion to consdwtc a uniform security instniment covering reul proprrry.
<br /> UNIFORM COVEN11N7'S.Barrower and L.ender covetwnt and Agrce as follows: �
<br />� v� 1. PAymeut ot Princlpa�l wnd Inta�ct; Prepwyment pnd Late Chnrges. Borrower slwll promptiy pay when due the
<br />— principal of and interest an the debt evidenced by the Note and eny pr+epayment w�d late charges due under the Note.
<br /> �" — 2. �nda tor Twces and iasuwnce� Subject to applicable law or to a w�itten waiver by Lender, Bqrrower shall ps�y to
<br /> -•-�,�.s-a Lender on thc doy mos►thly payments are due under the Note.until the Note is paid in full,a sum("Funds")for:(a)yearly taxea
<br /> ---_-•���� and asscssmenta which muy attsiin prlodty over�his Secudty Instrument a4 a lien on the�roperty: (b)yearly leasehold payments _
<br /> - or graund rents on the Property,if eny; (c)yearly hazard ar propeny insurance premiums;(d)yearly flood insurance premiums.
<br /> --��- -- — if any; (e)yearly mortgage insurance premiums, if any;end(� eny sums payable by Borrower to L.ender. in accordance with
<br /> - ---- the provisions oP peragraph 8. in lieu of the payment of mortgage insurance premiums. These items are called "Bscrow Items."
<br /> [.ender may. at any time. collect and hold Funds in an amount not m exceed the maximum amount a Iender for a federally
<br />— - - relatad mortgage loan may require for Horrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amended irom time to dme.12 U.S.C.Section 2601 et seq. ("RESPA"). unless another law that appUes to tha Funds
<br />�'�'�w��' sets a leaser amount. If so, l.ender may,at any time. collect and hold Funds in an amuunt not to exceed the lesse�amount. _
<br /> _- ----- Lender may estimate the amount of Funda due on the basis of current data and reasonable eatimates of expenditures of future
<br /> Escrow items or otherwise in accordance with applicable law.
<br /> �`� '''��.4•:```" The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, ar entity
<br /> (including Lender,if Lender is such an institution)or in any Federnl Home Loan Bank. Lendcr ehall apply the Funda to pay thc
<br />•�'' ' .�- Escrow Items. I.ender may nat charge Borrower for h�lding and applying the Funds,annuaily analyzing the eserow account,or --
<br /> •-��° .••�,:• .•�.•� 1 verifying the Escrow Items,unless Ixnder pays Borrower lnterest on the Funds and applicublc law permits Lender to mAkc such -
<br /> a charge.However, Lender may require Borrower to pay a one-time cherge for an independent real estete tnx reporling service
<br /> ;�� used by L.ender in connection with this lonn, unkss applicable law provides otherwise. Unless an agreement is made or
<br /> �;,;;.;r„r,;,�,,, applicable law requires interest to be paid, l.ender shall not be required to puy Borrower any interest or eornings on the Funds.
<br /> y��r�. ' Harrower and I.ender may agrec in writing, however, that interest shall be paid on the Funds.L.ender shall give to BoROwer.
<br /> �'�Y�_.-.--
<br /> ,;�ta,s�t�.;r�::}�:•�; ; without charge, an annusi accaunting�i the Fund�.wi�owiug c�cxlfta etxi �bits i.-�the i'nrids arxl thc pvrposc for whicts �sch
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<br /> �•,�__ �,tiv debit to thc Funds was made.The Funds are pledged u�additional securiry for ull sums securcd by this Securiry Instrument.
<br /> '��• • �•- If the Funds held by Lender exceed the amouMS permitted to be held by upplicable law,l.ender shall account to Borcower
<br /> `����'� for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by l.ender at ony
<br /> .;'���� � ; time is not sufticient to pay the Escrow Items when due,Lender muy so notify Banower in wrfting,und,in such cnse Borrower
<br /> :e�;,�.� .y.�.:•:�,�,f ahall pay to Lender the amount necessary to make up the deficiency. Barrower sluill make up the deficiency in no more than
<br /> �,��;�,;,,,,, • " twelve monthly puyments,a�Lender's sole discretion.
<br /> �,.�;,_:_.,,,, ;�, Upon payment in full of all sums securai by this Security Instrument, Lender shnll prompUy refund ro Borrower any
<br /> �•�,,..,,,:�+��• ` Funds held by I.ender.If,under purngraph?i,Lender shull ucquire or seU the Propeny,Lender, prior ta the acquisitian or snle
<br /> �ii;,�,..."�'�;� n•• • of the Property,shall apply any Funds held by l.ender at the time of acquisition or sale us a credit againat the sums secured by
<br /> '?"7 .` .' this Security Instrument. _
<br /> �.,.
<br /> � •. � 3.Application of PaymeMs. Unlexs applicuble law pmvfdes othenvise,ull payments received by Lender under paragruphs -
<br /> �t��"•"`-";�,. -
<br /> `�"` 1 and 2 shal)be a lied: first, to un r a ment chnr es duc under the Note; yecond, to s�mounts u able urxler arn ra h 2;
<br /> .,,�, . PP Y P �I► Y B P Y P B P
<br /> „��w,��., third,to interest due;fourth,to principal due;und lust, to any lute charges due undcr�hc Nc�te.
<br /> _ �.;' i 4.ChArges;Lkns. Borrowcr shull pt�y all tnxcs, asscssments, chnrgcs, fines und im�+iiions uttributuble to the Property
<br /> which may attain priority over this Security Instrument,und IcaseholJ puyments or gr�wnd rents, if uny. Borrawer shull pay
<br /> '.''�=,� �� i � these obligations in the manner provided in parngrvph 2,ar if not paid in that manncr, Burr<�wer�hall pay thern on time directly -
<br /> """'` • ' • I to the rson owed u ment. Borrower shall rom I fumish to Lcndcr all notice�ol'umoumti to be aid under thir ara ra h. -
<br /> !� P Y P P�Y P' P S P
<br /> ��"'' If Borrower makes these a mems directl Borcc�wer tihull rrnn d furnish to l.ender recei ts evidenrin the u ments.
<br /> . �,�:'•: � P Y Y• P P Y P• E P Y
<br /> ��r ' �� ' BoROwer shall promptly dischnrgc any licn which ha.+ priority over this Securiiy Imtrument unle��Borrower.(u)agrces in
<br /> 1'.�` _ � wrilins to the payment of the obligution�erur��d by�he licn in a manner acceptuMe to l.cndcr;(b)contcsts in gooJ foith the lien
<br /> . ,,.;��w�•'��,r='. by, or defends aguinst enforcement of ihe lien in, Icgul pnMCCdings which in the I.endcr'� ��piniun �i�xrute tu prevent Ihe
<br /> •�;�:;� •�?+a enforcement of the lien; or(c)securec from the holder of thc licn un agneement tiati�furiary to I,ander�ut►ordinuting the lien to -
<br /> '� this Security Intitrument. If Lender deterniincs that any part nt'�hc Prnperty is tiubjcrt to a licn wbirh muy atwin priurity uver
<br /> � this Security Instrument. Lender mny Five Borrower a iintirc iJcntifyin� thc li�n. Bnrn�wer�hall u►ti,fy thr lien or tuke��ne or =
<br /> more of the actions set fonh above wlthin 10 duys ol tlic�iving��t'M�tice.
<br /> " c' � �' Fam 3028 9190
<br /> __�.�,"�.•`;:.iV Ppr 2 018
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