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<br /> TOGETHER WITH all the improvements nuw or hereafter r,mcted on the property,i�nd idl easements, appurtcnnnccs, and �_:
<br /> fixtures now or her�ftEr n part of the property. All repincements and additions shall also be cavcrcd by this Security —
<br /> Instrument. All of the foregoin�is referred to in this Security Instrument us the"Praperty."
<br /> 80RKOWEA COVENAI�TS that I�orrower is Inwfully scised of the estutc hereby conveyed and lias thc right�o g�ant atid
<br /> convey the Property and thut thc Property is unencumbered, except for encumbrmices of recard. Borrower wncrants atid will
<br /> defend eenerally the titic ta the Property against all cluims and demands, subject to any encumbrcu�ces of rccord. _
<br /> THIS SECURITY INSTRUM�NT combines uniform covenants for national use a�xi nou-uniCunn ruvenunts with limitul �-
<br /> variations by jurisdiction tu constitu¢e a unifornt seeurity instru.ment covering real pru�eny.
<br /> UNIFORM COVENANT�.Borto�ver and Lendcr covenant and agree�ns follows:
<br /> 1. Payment ot I'rintipal assal Inieresl; Prepaymeni nnd Late (:harRCV. Borro���er shall pmmptly puy ���htn due tha
<br /> principal of and interest an thc dcbt cvid�>ncod by the Ne�te and uny prep.►yment nnd lute chorgcs duc undcr the Note. —
<br /> 2. F'unds tor Taxes a�td Insuversce.Subjxct to cnpplicahlc law or to a �vrlucu wufvcr hy l.cnder, F�orrawcr nhull p�►y to
<br /> l.ender on thc duy monthly paymcnzs arc duc under thc Note,until ths Nc�tc is pnicl in full,u nuw("l�und,")fur, fn)ycarly taxcs -
<br /> und asscssmcnts which muy nttaln priority avcr this Sccurity h�stn►mcnt ns u Ilcn un tlic 1'r�9perly; Ib)yrnrlv Icatichuld p�ynicnts
<br /> �r ground rentx on thc Nmperty,If uny;(c)Yearly huxnrd or property inti��nuicc prcmiu�uy;(dl yc�irly f1�Nx1 inyurnnrc prcmiumy,
<br /> if uny; (cl Ycarly mortgi�gc Insurnticc prcnilwns, if uny: nnd(i)nny +umy{uiyut�lc hy Il�u�n�wcr to l.�ndcr, In nccun�nncc wfth
<br /> thc provisions of parugruph H. iu lia:u of'thc puytncnt ol'morigt►gc insura��cc prcnilumti. 'I'Lr.;c i�cmv urr ccdlcd "Liscn�w Itcros."
<br /> L..endcr may, nt uny timc,collect cuid hold F�unds bi iu� unwunt not w cxcccd tl►c muximunt umoum n Icndcr Q�r u fcdr,rully
<br /> r�latcd n��rt�;iR�e I��,m n���y rca,ufrc Par�urrowcr's cscrow nccoont undcr thc fcdcrnl Rcal 1?stiitc Sctticmcnt I�rcxcdurcy Act of
<br /> 1974 us umendcd frum timc tc> tlmc, 12 U,S.C. Sectian 2601 cr.s�q. ( KF?SPA"), unlcss unotlicr luw thitt iipplies to thc Funds
<br /> sets u Icsscr iimnunt. If so, l.�nder rouy, nt u�iy timc, collcct nnd hold Funds in nn iunouut not to cxcced �he Icsscr amaunt.
<br /> Lender �nay cstimatc the �m�uunt of Funds duc un thc basis of currcnt diita und ru�sonablc cstimidcs of expcnditures af future
<br /> Escrow Items or otlierwise In accordance with upplicable law.
<br /> Thc Funds shall bc I�eld in an institution whose deposic3 ure insured by u fedcrul agency, instrumentulity, or entity
<br /> (including Lender,if L.ender is such an insdtution)or in any F�crail Homc Loan Bunk. Lcndcr shull upply thc Funds to pay thc
<br /> Escrow Items. Lender muy not charge Borrower for holding and applying the Funds,annually unalyzing the escrow account,or
<br /> verifyirtB the Es�:row Items,ur�less I.ender pays Borrower interest on the Funds and applicable law permits I.ender to mnke such
<br /> a cha�ge.However, Lender may reyuire Borrower to pay n one-time churge for an independent real estutC tax repnrting service
<br /> used by Lender in connection with this loun, unless applicable law provides athenvise. Unless an agreement is made ur
<br /> apnlicnble law requires interesc to be Daid,l.e�der shall not be required to pay Bonower any interest or e:urniugs on the Funds.
<br /> . Borro�ver and I.ender may agrec in writing, howevcr, that interest shall be paid on the Funds. L.ender shall give to Borrower.
<br /> � without charge, an annual eccounting of the Funda,showing credits and debiGs to the Funds and the purpose for which each
<br /> � ' de6it tc the Funds was made.The Funds ure pledged as additional security f�r all sums secured by this Security Instniment.
<br /> � .if the Funds held by Lender er.ceed the amounts permitted to be held by applicable law,Lender shall accoent to Borrower
<br /> , for thc excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by L.ender at any
<br /> time is not sufficient to pay the Escrow items whe�due.Lender may so notify Borrower in wrtting,and,in such case Borrower
<br /> s�hull pay to I.ender the amount necessary to mnkc up the defiaiency. Borrower shall make up tho deficiency in no mai�e tlwn
<br /> twelve monthly payments,at I�end�r's sale discretion.
<br /> Upon payment in PoII ol'all sums secured by chis Secudty Inntrument, [.ender ahall promptly refund to Borrower uny
<br /> Funds held by Lender.If,under paragraph 21.Lertder sh�ll acquire or sell the Property,Lender.prior to the acquisit�on or sale
<br /> , of the Property, shall apply any Eunds held by Lender at thr,time of acquisition or sale as a credit ugainst the sums secured by
<br /> � this Security Instrument.
<br /> � 3.AppBc.atton of Payments. Unless applicable law provides otherwise,all payments received by Lender under paragrAphs
<br /> I� ] nnd 2 shall L�e upplied: first. to any prepayment charges due under the Notc; second.to amounts payablc under pnrngraph Z;
<br /> ! thlyd,to interest due;fourth,to principal due;and last. to an�late charges due under the Note.
<br /> ` 4. ChArges;Liens. Bomower shall pay all taxes, assessments,churges, fines nnd imposltions attributable to the Property
<br /> ' which mny ntUtin priority over this Security Instrument, and leasehold payments or ground rents, if any. Bonower shall pay
<br /> ' these obli�atians in the mu�ner provided in paragraph 2.or if not paid in thnt manncr, Burrower shall pay them on timc dircctly
<br /> to the pecson owed payment. Hurmwer shnll promptly fumish to Lender all notices of amounts to bc;paid under this paragraph.
<br /> If 8orrar�er makes these payments directly,Sorrowcr shnll promptly furnish to Lender recelpts evidencing the pnyments.
<br /> Horrower shall pmmptly dischtuge uny lien which has priority over this Sccurity Instrument unless B�trower:(a)agrees in
<br /> arriting to the payment of the obligaUon secured by the lien in a manner acceptable to Lender;(b)contests in�ood faith t}�e lien
<br /> by, or defends against enforceme�t of the lten in, legal proceedings which in the Lender's opinion operate to prevent the
<br /> ' enforcement of the lien: ar(c)secums fram the hotder of the licn an agrecment satisfactory to Lender subordinntBng the lien to
<br /> this 5ecurity instrument. If L.ender dctcrmines thut uny purt of the Prop:.rty is subjcct to a licn which may attain prinrity over
<br /> �� this Security instrument. Lcnder m�y give Borrower a noticc identifying the licn. Borrower shull sutisfy the lien or tal:c one or
<br /> :,
<br /> ,, more of the uctions set forth above within 10 days of the givin�of notice.
<br /> Form 3028 9190
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