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<br /> TOGGTI-{FR WI7'H cill Qie impruvcntents no�v ar heretiRer ercct�d on thc prope�ty, und all cutiemr.nts, uppurtcnun�c+. .md !''�:
<br /> fixtures na+v ot hcrcaRer n pun of the propeny. All replucetnents nnd ndditions shnll �dso be covered by thiti Sccurity —
<br /> Instn�ment.All of the foregoing is referred to in this Security lnsteument ns the"Property."
<br /> BURROWCR COVENANTS that Dorrower is It►wfully scised oP thc cstntc Itcreby cunvcycd a»d has thc right to grant und �
<br /> convey the P�-aperty nnd that the Property is wuncumbr.re�1, except far encumbrnnces of record. Barm�ver warrants und aill —
<br /> dcfend general ly the title�o the Property ngninct iiU ctuims and dernancis,subject to any oncunibrances of record. c_
<br /> THIS SECURITY INSTRUMENT cumbines uniform covenums for national us�e nnd n�m-uniform cuvenunts w�Ui �united
<br /> vurintions by judsdiction to canstitutc a uniform sccurity instrume»tcovcring rcal pmperty.
<br /> UNIFORM COVENANTS.Borrower and L.ender covenant ai�d s�,grce as follows: _.
<br /> 1. Payment of 1'rinclpal und Interest; Prcpay�itent und Late Chargcs. Borrowcr shall promptly pay when due the �.
<br /> principal of and intemst on the debt evidenced by the Note and any pr�payment und latc chargea dur.under the Note.
<br /> �, k�nds for Taxes and Insu��ance. Subject ta applicable la�v ar to a written waiver by I.ender.Bormwer shull puy ta `
<br /> Lcnder on the day monthly payments nre duc under the Note,until the Notc is paid in full,a sum("Funds") for: (a)yrai�Y���
<br /> und assessments which may attain priority over this Security Instnmiein as u licn on the Property: (b)yearly Icasehold payments
<br /> or ground ren'u on the Property,if any;(c)yearly hazard or properry insurance prcmiums; (d)yearly flood insueancc premiums,
<br /> if any; (e)y►�rly mortguge insurance premiums, if any; and (� any sums payable by Borrower to I.ender, in aca�rdunce with
<br /> the provisions af pan�graph 8, in lieu of the payment of mortgage insurnnce premiums. These items are called "escmw Items."
<br /> Lender may, at any time. collect and hold Funds in an amaunt not to exceed the moximum umount a lender for a federnlly
<br /> rclated mortgage ie�au ivay require for Bonower's e.scro�� accotsat under the Pedcrn!Reul Estate Settlement Procedun:s Act of
<br /> 1974 as amended from ti►ne to time, 12 U.S,C.Sectiun 2601 er xq_ ('P.ESPA"1,unless anothcr law that applies co the Funds _
<br /> sets a Iesser amount. If so, Lender may, at any time, collect und hvld Funds in an amnunt not to exceed the lesser amount.
<br /> Lender may estimatc thc amaunt of Funds due on the basis of current data and reasonablc cseimates of expenditures of future
<br /> 8scraw Items or othenvise in accordance�vith aFplicable law.
<br /> The Funds shnll be held in an Instltution whose deposits are insured by a federal agency, instrumentality, or entity
<br /> (including L.ender. if Lender is such nn institution)or in any Fedeml Hume l.oun Bank. L.cnder shall apply the Punds to pay the
<br /> Escrow Items.Lender may not charge Rorrower far holding and applying the Funds,annually analyzing the escrow nccount,or
<br /> verifying the Escrow Items,unless Lender pnys 6onower i�terest on the Fmids and upplicable la�v permits Lender to mako such
<br /> a charge.t3owever, l.ender may require Borrower to pay a one-time chnrge for an independent rea!estate tnx reporting service
<br /> � used by Lender in conttection with this loan, unless applicuble law provides atherwise. Unless an agreement is m<�dc or
<br /> = appiic:autc ta:�r�yuir..�inierr t to��sid,Ln�r sh�+!! not hr reouired to Qay Bonower any interest or earning�on the Punds.
<br /> Barrower and Lender may ugree tn writing,however,that intci-cst shall be paid on the Funds. L.ender shall give to tiorrower.
<br /> without charge,3n annual accountino of the Funds, showing credits nnd debits to the Funds and thc purpose for which each
<br /> debit to the Funds�vas made.Ttie Funds are pterlged as additional s�,curity for all sums securetl by this Security Instrument.
<br /> . If thc Funds held by Lender exceec]the amounts permitted tobe held by applirable la�v,Lender shall uccount to Borrower
<br /> for the excess Funds in accordance with the reyuirements of applicr�ble In�v. If the amount of the Punds held by L.ender at any
<br /> time is nat sufficient to pay the Escrow Items when duc.L.endec may so notify 8orrower in�vriting,and� in such case Bonawer
<br /> sliall pay to Lcnder tAe umount necessnry to make up the deficiency,Bosrower shall mako up the deflciency in no morc than
<br /> twelve rnonthly payments,at L.ender's sole discrecion.
<br /> Upon pay►nent in full of all sums secured by this Securicy Instniment, I.cnder shull promptly refund to Bonower any
<br /> - Punds held by L.ender.If,under paragrnph 21,Lender shall acquire or sell tl�e Property.L.ender,priar to the ucquisition or sule
<br /> of the Property, sh�ll apply any Funds held by Lcnder at the ti rne of ncquisition or sale as a credit asainst the sums secu�ed by
<br /> tf�is Security Instrumcnt.
<br /> 3.Applica4im�of Payments.Unless applicable law pravida otherwise,all payments receival by Lender under parngraphs
<br /> l nnd 2 shall be applied: fir:,t,to uny prepayment ch�rges due ander the Note;socond.to amounts payable under pamgraplt 2;
<br /> d��ird,to intcrest due;fourth.to principal due;and last,to any latc chazges due under the Note.
<br /> 4.Charges; Liens.Borrower shall pay all tuxes, assessmcros, charges, fines and impositions attributnblo to che Property
<br /> which n�ay attain priority over this Security instrument, and icasehold payments or ground rents, if any.Aaaower shall pay
<br /> these ohli�ations in the manner provicled in paragraph 2.or iF na paid in that manner,Sorrower shnll pay them on[ime directly
<br /> to die person owcd payment. Borrower shall promptly furnish to I.�nder all notices of amaunts to be paid undcr this pur�igraph.
<br /> If Borrowar makes these payments directly,Bonower shall prornp�l3r furnish to Lender receipts cvidencing the payments.
<br /> Borrower shall promptly discharge uny lien which hac primri�y over this Security Instrument unless�orrower: ta)agrees in
<br />—• writin�to the payment of the obligation sccured by the lien in a mumner acceptable to Lender;(b)contests in good faith the lien
<br /> by, or clefends agsinst enforcement of the lien in, legal procad"angs which in the Le�der's opinion operace to prevent thc
<br /> enforcement of d�e lien;or(c)secures from the holder of the licn an agreement satisfactory to Lender snbordinating the lien to
<br /> this Security Instrument. if I..ender dctermines that ui►y part of ihe Prop�.rty is subjcct to a fien which may nttoin priority over
<br /> diis Sceurity Instrumens,Lendcr may givc Borrower u notice idcntifying the lien. Borrower shull satisfy the lien or take one or
<br /> more of the actions set fonh above within l0 days of the givins of noticc.
<br /> Form 3D�fl 8l30
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