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<br /> TOt36THER WITH all the improvements now or hereafter erected on the propeny. and�II casement�. apputunanaa.and
<br /> - fixtume naw ar hereafter a pan of thc property. All replw:ements and udditiona shall �Iro be coverod by �hi� 3xudty
<br />- --- lnwrumeot.All of 1he faregoing is rcferrod to in thi�Securlty In�trument as the"Praperty."
<br />-- _ BORROWER COVENANTS that Borrower is lawfully seised of tha cstete hcrc6y conveyed and has th�right Io grant and
<br /> - - - - - canvcy the �ropetry and thet the Nraperty Is unencumbered, except tor encumarwx�es oi rucord. Fsorruwer wnr�nls wnci wiii '-
<br />- ,�,���i�,�,;�ii+,�,a defend generelly the title to the Praperty ags�inst all clafms and demands.subject to nny encumbrances of recard.
<br /> THI5 SECURITY INSTRUMENT cambines uniform cavenants for natfanui use and rv�n-uniform covenants with limitod
<br /> •�' ;,,s ,.;�., vArlptions by ju�lsdfction to wnatituta a uniform security inslnm�ent cavering real propcny. �
<br /> � "'° UNIFORM COVENANTS.BoROwer and i.ender cavenant and agrcc a4 fallows:
<br /> ,,;, 1. Poymcnt ot Principal and Intercsl= Prepayment and I.ate Clwr�es. Bonnwer shall promptly pay when due the,
<br /> ���'��` pr�ncipal af und interest on the debt evidenced by the Note und any prepAyment and late churges duc under�he Note.
<br /> ��'`�'"' 2. F�unds for Taxes pnd Insurance. Subject to applicable law ar to a written waiver by Lender, Borrower shall pay to
<br /> �� `� l.endcr on the day monthly payments are due under the Nate,until the Notc is paid in full,a sum("Funds")for:(n)yearly taxes
<br /> ,,� and asscagments which may attain prlorYty over this Securiry Instrument as a lien on the Properry;(b)yeariy leasehold payments
<br /> � ��-�.��� or ground rents an the Propeny.if siny;(c)yearly hazard or property insurance premiums;(d)yearly flood lnsurance premiums, -�
<br /> �"�.'"� if any; (e)yearly mortgage insurance premiums, if any; And(�uny sums puyable by Borrower to Lender, in accordance wlth
<br /> ��-.� the provisions of paragmph 8. in lieu af the puyment of mortgage insurance premiums,These ilems s�re cailed "Escrow Items."
<br /> "� ��'�'='"=��-���� Lender may, at any time, wllxt and hold Funds in an amount not to excced the rnuximum amount a le�der for a federally
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<br /> _• " ���,�::"� related mongage loan may require far Horrower's escrow account under the federnl Real Estnte Settlement Pracedures Act of -
<br /> "�'�----- i974 as amended Gom time lo time. 12 U.S.C. Section 2601 e�seq. ("RESPA").unless another Iaw that npplies to thc Funds
<br /> ���`�` seta a le.aser amount. lf an, L.ender may, ut any time, collect and hold Funds in un wnount not to exceed the�esser amount. �_ _
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<br /> � �- �s�,- .. I.ender may estimate the umount af Funds due on the basis of current clata and reaconable estimates of eapendiwres af future ___
<br /> ��'•f�==1�;��s- Escrow Items or otherwise in accardance with applicable Iaw. _
<br /> : � T p The Funds shnll be ticld in nn institution whose depositr+ nre insured by a federol �gency, instrumcntality, ar entity
<br /> — '''�'•'•''. ��` (includin L.ender,if Lcnder is such an institution)or in an Federal Home Laan Bank.L.cnder sh�ll a I the Funds to a the
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<br /> Escrow items. L.ender may nat charge Borrower for haldi�g und upplying the Funds, annually anAlyzing the escrow account,or
<br /> -'•'�'•'`� �:� � verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable Isw permits l.ender to make such --
<br /> � • •• • '• �' ,,�: a charge. However, Lender ms�y rcquire Borrower to pny a one-tirne charge for an independent real esmte tax reporting service
<br /> _ .. " used by Lender in cannection with this loan, unless upplicuble law pravides athenvise. Unless an agrecment is mnde or =__
<br /> —� •��•' �' • ' • �pplicable law requires interest to be paid, I.ender shull not be required to pay Bonowcr any intcrest or eurnings on the Funds.
<br /> ���•�•��� • '�� Borrower and l.ender may agree in writing. however,thut interest shall be paid on the Funds. L.ender ahall give to Borrowcr, �:"�
<br />__ �iF�.�r:n.�i,.';:��;...�+:�•.� wilhout charRe, an annuul accountina of the Funds, showin�a credits and debits to�he Funds and the purpose Por which each �'�`'
<br /> �;�_•�.,..�. ;y:; debit ro the Funds was made.The Funds are pledged a.s udditional security for all sums secured by this Securiry Instrument.
<br /> _".f�,�. . , If Ihe�undg held by Lende►•exceed the amounts permitted to be held by appiicable lew, l,ender shall accaunt to Borrower
<br /> : �:�, � for the excess Funds in accordence with the requirements of nppllcablc law. If the wnaunt of the Funds held by l.ender at nny _
<br /> time is not suificient to pay the Escrow Items when due, I.ender mny ro notify Borrower in writing,w�d, in such ra� Borrower �
<br /> �,'��.^�,< shall puy to Lender the nmount necessury ta muke up the deliciency. Horrawer shall make up the deficiency in no rnorc than �:,_
<br />_-� �- . � ° ' twelve monthly payments, at I.ender's sole discretion. _
<br /> •= Upon payment in full of all sums securcd by this Security Instrument, I..ender shall pmmptly refund to Borrower wty
<br /> ;�= + ' ,�;-. Furids held by Lender.If, under puragrnph 21, l.cnder.r•hull ucyuire or sell the Property, Lcnder, prior to the acquisition or sale =__
<br /> �z ° '� of the Propeny, shall upply uny Funds held by Lendcr ut the time of ucquisition or snle as A credit ugainst the sums secured by
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<br />°-�; :,.,�.,.:,, ^ ;:- this S��curfty Listrument. _,
<br /> � a.Applicntion of Poyments.Unlrss upplicAblc luw provides otherwise,ull puyments reccived by l.endcr under paragrxphs �;,�.
<br /> •� `�,� a;r�:.: . ,�..w 1 and 2 shull be applied: fi�st, ta uny prepuyment churges Jue under the Note;second,to amount�►puyable under puragraph 2; ���-`
<br /> - Y;::�• . third,to interest due; fourth,to principul due;and last,to any lute charges due under the Note. ..
<br /> � '�"!'�i�'' ' 4.Charges; Liens. Dorrnwer shall puy all tuxrs,utitiestiments,charges, fines nnd irnposilions uttribmable to Ihe Property
<br /> ` ' 'r�' which muy attain priority over this Security InstNment, und Icuschold paymcnts or gn�und rents, if any. Borrower shall p�y -"°
<br />- � �fj�:`� � . these obligations in the munner providecl in parugruph 3,or if not p•rid in that munncr, Bortuwer sha�ll pay them on timc direcdy �`r-
<br /> ;� - to the person owed puyment.Borrower shal I prompNy furni,h tu I.�nJer ull notirc,of umaums tu hc pAid undcr this pa�agrAph. W-
<br />_�,;;;�,T,,��, if Borrower makes the�puyments direcNy. Borr��wer shull promptly fu�ni,h to L.cixter rcrcipt.evidencing the puyments.
<br /> -- " - Borrowcr shull promptly dixhurgc uny licn which huti priuriry uvcr thi�5cruriry Imtrumcnt unlcsti Rc�rrowcr. (a) ugrces in �--
<br />_ : .,-�: ° • writing to thc payment of U�e obligution ucured by thr lien in a munncr vcrcpiablc w IAnJcr;lb)ciimcz�,in g�xxl fuith th•: licn __
<br /> -_- ` ��. by, or defeixls aguintit enforcement of thc licn in, Icgul pr��r�tiding+ whirh in tlic l.cnJcr'� upini�m ��perule tu prevent thc �-
<br /> � ��� � enforcemcnt of thc lirn; nr Ir) secures fr�xn Ilx h��ldrr of Ihc licn un ugreemrnt tiatitiliwti�ry ti�L.rnder sulxmlinuling thc lien to r`'
<br /> <�• this Security Inxtrument. IT l.cnder dMerniincs thut uny parl of the Propcn�� i��uhjecl ti►a lien whirh may auuin prii�riry over
<br />� this Serurit Instrument, Lcnder m�► ivc Burruwcr a notirr iJentil' m�the licn. &�rn�wer .hall ,�ti�l thc lien or tnke nne or �
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<br />_ �.�..:7 more of the actiuns set funh ebove wi�hin Il1 Juy,of Uk givin�!ol'natirc. �"�-'-
<br /> Form 3028 8190 �.
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