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<br /> TOGF.THkR W[TH ull thc Improvemcnts now on c�rea4ter ercctcd on thc propc�ty,nnJ i�ll cascmcnts,nppurtcnunccs,und
<br />-,`���r''__ fixtures �zaw an c�rcaftcr n ps►�t of thc property. All rcpl�cements und additions shall idso bc cuvcrcd by ihis Sccuriry
<br /> . Instrument. All of the foregoin�is rcicrrcd to hi tlds Sccurity Instrument ns the"Propcny."
<br />"'Y�,� BORROWER COVENANTS that Borrotecr is I.�wfully ticiscd of thc cstntc hcrcby convcycd und has thc right ta grnnt nnd
<br /> � � convcy the Property und tlmt the Property is unencumbercd. except for cncumbrnnces of record. Borruwer wurrants nnd will
<br /> a���� " defend generally the title to tlic Property��gninst.iU cluimti nn�i Jcmands,subjcct to any encumhrances of rerord. �
<br />;°�j,�� THIS SEClJR1TY INSTRUMENT combines unifarm covenants for nationa!use and non-uniform coven�nts with limited
<br />� vuriatians by jurisdiction to a�nstitute a uniform sccuriry instrumcnt cavering reai property.
<br />��� UNIFORM C�VEI�iANTS.Hnrrower nnd L.endcr covcnunt nnd ngree us follows:
<br /> 1. Payment oi Principal and lntcrest; Prepaymcnt and Latc Charges. Borrower shall promptly p:►y whcn duc the
<br />�,<;-=�!�� principal of and interest on the debt evidenced by the Note nnd uny prepayment and Iate charges dae under the N�te.
<br />=-3r,..��i� 2. Funds for'i'axes and Insurance. Subject to a}�plicablc !aw or to n�vritten �vniver by Lender. Borrower shall pay to
<br /> ��'�;� l.cnder on the day monthly payrnents are duc undcr the Note, until the Nute is paid in full,a sum("Funds")fnr:(u)ycarly taxes
<br />•��y_;;� and ussessments which may attatn prioricy over this Securiry Instrument ns a lien on the Propeny; (b)ycarly le:isehold payments
<br /> --�= or ground rents on the Property,if uny;(c)yeuriy haznrd or property insurance premiums;(d)yearly flood insurance premiums,
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<br /> _--_-_= if any; (e)yearly mortgage insurancc premiums,if any: and (�any sums payable by Borrawer to Lender,in accordAnce with
<br /> the provlsions of paragcaph 8, in lieu of the payment of mortgage insurance pcemiums.1'hese items are called "Escrow Items."
<br /> _� L.ender may, ut uny time. collect and hold Funds in nn amount not ta excecd the maximum amount a lender for a t'ederally
<br /> — _, relateil mortgage loan may require for Borrower's escrow uccount under the federnl Reul Estute Settlemem Praccdures Act of
<br />-°-�°� 1974 as amended from tinie to time, 12 U.S.C. Section 2601 et seq. ("RESPA"),unless another luw that applies to[he Funds
<br />•:;�.�x�r� sets�lesser umount. If so, Lender may, at any time, callect und hold Funds in an amount not to exceed the te.5sec amount.
<br /> L.ender may estimate the amount of Funds due on the basis of current data and reason961e estimates of expendim.�s uF futeim
<br /> _-- Escraw Items or othenvise in accorclance witli npplicable law.
<br /> .. The Funds shall be held in s�n institution whose deposits are insur�;d by a federal agency, instrumentality, or en.4ity •
<br /> — �inclaadin�Lender,if l.ender is such an instiniti�n)or in any Federal Home Loan Bank.l.endet shall npply the Funds to puy the
<br /> Escrow Items. Lender may not charge Borrower for holding and applying the Funds.annually analyzing the escrow account. or
<br /> verifying the Bscrow Items,untess Lender pays Barrower interest on the Funds and applicable taw permits Lender to make such
<br /> '� a charge. However, Lender may require Borrower to pay a one-time ch3rgP for an independent real estate tnx reporting servicc
<br /> used by Lender in connettion with this loan, unless applicable law provides otherwise. Unless s.u► agreement is made or
<br /> applicable Inw requires interest tu be p�id,Lender shalt not t�c required�o pay Burruwei aiy irt:,r.,s.:,r�.�.in;��^.!h�Ps�s.
<br /> Bunower anci I.ender may ageec in writing,howevcr,that interest shall be paid on the Funds. Lcnder shall gi��c IIo Borrower,
<br /> without charge, an annual nccounting of the Funds, showing credits and debits to th� Funds and the purpose fi�r �vhich each
<br /> — '. debit to the Funds was made.T'he Funds are pledged as additional security far all sums secured by this Securiry[ns[rument.
<br /> � If the Funds field by I.,ender ezceeci the[unounts permitted to be held by applicable law, I.ender sliall Account to Bonower
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<br /> • for the excess Funds in accordance wld�thc requirements of appliccible law. If the amount of the Funds held by Lender At any
<br /> time�s not sufficicnt to pay the Escrow Itcros when due.Lerider may so notify Borcower in writing,and, in such c.�►�e Borrowcr
<br /> shall pay to I.ender the amount necessary to make up the deficiency. Aorzower shalf make up the deficiency in no more than
<br /> � avelve monthly payments,at I.ender's sole discretion.
<br /> Upon paymeRt in full of all sums secured by this Se�curity Instrument, Lender shall promptly refund to Borrower any
<br /> ' Funds held by Lender.If.under paragraph 21. Lcnder shall acquire or sell thc Property.Lender,prior to the acquisition or sale
<br /> ' of the Property.shall apply any C�unds held by I.ender at the time of acquisition or sale as a credit against the sums secured by
<br /> � this Security Instrument.
<br /> 3.Apptieatlon of Payments.Unless opplicable law provides otherwise.all payments received by Lender under paragraphs
<br /> ' 1 and 2 shall bc applied: first, to any prepayenent charges due under the Note: second,to amaunts payable under paragruph?;
<br /> • third.to interest due;foucth,to principal due; and last, to nny late char�es due under the Note.
<br /> 4.ChArges; Liens. Borrower shull pay all taxes, assessmcnts,charges, fines and impositions attdbutable to the Properry
<br /> _ +. which may attain priotity over this Security Instrument,and leasehold payments Qr graund rents, 9f any. Bono�ver shall pay
<br /> ''�' these obligations in the manner provided in pnragraph 2,or if not paid in Q�at manner,Borrower shall pay them on timc directty
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<br /> to the person owed payment. Borrower shall promptly fumish to Lender all notices of amounts to be puid under is paragrap .
<br /> ' If Borrower makes thesc payments directly,Borrower shall promptly furnish to Lender receipts evidea�cing the payments.
<br /> ' �orrower shall promptiy discharge asiy lien which has priority over this Security Instrument unless Borrower: Zn)agrees in
<br /> w�riting to the payment af the obligati4n secured by the Ifen in a manner acceptable to Lender;(b)contests in good�'�ith the lien
<br /> � by, or defends ugninst enforcement of the lien in, l�gal proceedings which in the Lender's opinian operute to prevent the
<br /> � enfo�rcement of the lien; or(c)secures from the holder of the lien an zgreement satisfactory to L.ender subordlnating the lien ro
<br /> this Security Instrumcnt. [f Lender determines thst any part of the Praperty is subject to a lien which may attain�riority over
<br /> - � '� this Sccuriry Insttumcnt, I.ender may givc Borrowc;r a notice identifying the lien.Borrower shull satisfy the lien or take one or
<br /> _--- ' more of the actions set furth above within 10 days of the giving of notice.
<br /> ��._�� 1,. Form 3028 9I9fl
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