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<br /> . . ' `� TOGEfHER WITH aU the improvements now or hereaRer erzcced an the pmperty.
<br /> and i easements.appurtenanaes.and ;a-�-� fi . �: ...
<br /> � ` `� `.' fixdues now �r heieafter a part of the property. A11 rePtace�ea�s aad additions st�all also 6e covered by this Securiry ,<�; ., ...
<br /> .. <i��,., nt as the"Pro e ; .`. ' .
<br /> � :<« '-° Ins�trument.All of ttte foregoiag is referred to in this Security Instrumc A *h'•� �.
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<br /> gpRItOWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the rigfit to grssnt and
<br />_ r , convey the Property and that the Propert}is unencumbered.except for encumbrances of record. Borrower wanants and will . .i.. n
<br /> . .� nst al!ctaims and demands,subject to any encumbrances of record. :: ti� �-
<br /> , �•���.: defend genera}ly t6e tide to the Property agai i � ��:
<br /> • THIS SECIJRITY INSTRi1MENT combines nniform covenanu for nationat use and non-uniform covenants with limited ���<��..�;,*��;,c ;�.
<br /> - �� msuumcnt coverin reai propertY• . � •
<br /> _ � variadas�s by jnrisdicti4n to canstitute a uniform security' g _
<br /> � UNIFORM COVENAN't'S.Borrower and Lender cov�ant anr'agrce as fol�o�s: - - -
<br /> ' ,� ,` �.' I. Paymeat uf P+indpal and Iute� Prep$Yment and Late Charges. Hflrrower shali promptly pay when due the ' �
<br /> . _ � ._.�`°, principa!of azid interest on the dcbt evidenced by the Note and any prepayment and late charges ciue under the Note. ;�. � r .F,,.._�:
<br /> ' � � 2,Fuads for Tases and Iasaranoe.Subject to applicable law or to a wriuen waiver by Lender, Borrower sLall pay to �. ,�;_':,:� . , :
<br /> ; �'��`��''�� Lender on the day monthly payments are due under the Nate,until the Plote is paid in fuU,a sum("Funds')for.(a)yearly ta�ces
<br /> � and acceccments which may attain priority over this Security Instrument as a lien on the Property; (b)Yearly leasehoid payments ; • ', -
<br /> or ground rents on the Property,if auy:(c)Yearly hazard or propecty insurance premiums:(d)Yea�tY flood insurance premiums, ...�.
<br />- • if any:(e)Yea�'lY mortgage insurance premiums.if atry;and(fl any sums payable by Borrower to Lender.i�accardaace a+ith �� , :.4:j--,,F.
<br /> � the provisions of paragraph S,in lieu of the payment of mortgage insviance Premium�s- These ite�s t�������°�"�I�'� ' �� _�''.�_;
<br />-- ` . L e n d er may, at an y time, collect and hold Funds in an amount not to exceed the rnaximum amount a lender for a feclerally .`.,�_-, . ,�
<br /> � • � retated mortgage toan may reqnim for Borrower's escrow account under ttee federal Real Fstate S�itement Prucedures Act o f
<br /> `� ,. � . .`�• 1974 as amended from time to time. 12 U.S.C.Section 2601 et seq. ("RFSPA").unt�s another law that applies to the Funds —
<br /> sets a lesser amount. If so. I.eader rnay.at anY time•�°llect and hold Funds in an amoant not w exceed the lesser amount. �
<br /> � � ' l.ender may esdmate the amaunt of Funds due on the basis of current data and reasairable estimates of expeudimres of future , .;��
<br /> � �F
<br /> . ._ ._ Escrow Items or othera+ise in accordance with applicable law. .-::� _-
<br /> The Funds shall be held in an instiwtion whose deposits are insured hy a federal agency. �asuumentat�tY• or entity ..r =
<br /> , ���:�<' (inctuding I.endcr.if Lender is sach an institution)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the ��-
<br /> � � `�� Escrow Items.Lender may not charge Barrower for holding and applying the Funds.annually analYzinB t6e escr°w account.os `��°� • .:.�;._.�
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<br /> ,,: �`.:_ .,. _,_ verifying the Escrow Items.unless I.ender pays Borrower imerest on the Funds and applicable law permits I.ender to make such , �'
<br /> ' ,�;` .;, ,;'�.�:; a charge.However.Lender may require Borrower to pay a one-time charge for an independent seal estate taa reporting service . __ �
<br /> � usecl b y l.en der in conn e c t ion with this loan, un2ess applicable law provides atherwise. Unless an agreement is made or ,,::"��`
<br /> •. . ; applicable law requires interest to be paid,Lender shall not be required to pay Borrower any iaterest or eamings oa the Funds. � �.:� 5,r��:
<br /> '``, . ` Horrowe�and Lender may ag�ree in writing,however.that interest shall be paid on the Funds. I.ender shall give to Borrower, -:.�
<br /> �; .�._
<br /> � without charge.an annual accounting of the Funds. shoR-�ng credits and debits to the Fuitds and the purpose for which exch _—
<br /> • debit to the Funds was made.The Funds are pledged as aclditional securiry for all snms sec�red by this$ecurity Insuument• � A
<br /> �� •• " • lf the Funds held b y I.ender exceed the amounts permitted to be held by applicable law.Lender shall account to Bonower . �_4 ,
<br /> ��•'. ' . ' • for ti�e excess Funds in accardance with the reqairements af applicable law.I f t he amount o f t he Fu n d s h e l d b y L e n d e r a t a n y __
<br /> � ' time is not sufficient to pay the Escrow Items when due.Lender may so norify Hormwer in wriring.and. in such case Borrowes .t.,' .: ,�
<br />- . � shall pay to Lender the amount necessary to make up the deficiency. Bonower shait make up the def�ciency in nv more than . -_=
<br /> • �� twelve monthly paymenu.at Lender's sole discretion. `• <^',`�;.�•
<br /> ., . : Upon payment in full of all sums secured by this Security Instrument. Lender shall promptly refund to Borrower any p
<br /> � Funds held by Lender.If,under paragraph 2l.Lender shall acquire or sell the Property,l.ender.prior to the acquisition or sale ,���:'
<br /> "" � of the Pcoperty.shali apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by . -
<br /> _, ' . .i►:: this Security Ynstrument. - -.r.,.
<br /> "� `• � �. 3.ApplIcatlon of Paytneats.Unless applicable law provides othenvise.a11 payments�eceived by Lender under paragraphs . .-_ �
<br /> ' . ' , . 1 and 2 shall be applied: first,to any prepayment charges duc under the Note;seoond.to amaunts payable under paragraph 2; _ _
<br /> � - � ` third.to interest due;founh.to principa!due:and last.to any late charges due under the Note. . ��
<br /> � .:,. � . - �
<br />�_: •' • 4.Charges; Llens.Borrower shall Qay all taxes.assessments.charges.fines atid impositions attributable to the Property __
<br /> • � which may attain prioriry over this Security Inswment.and leasehold payments or ground rents,if any. Bonower shall pay _,_:.�_-
<br /> . tP��e obligations in the manner provided in paragraph 2,or if not paid in that marmer,Borrower sha11 pay them on tiine directly '.;�o.•,,..,._.:.
<br /> � � � to the person owed payment.Bonower shall promptly fumish to Lender all notices of amounts to be paid under this paragraph. .
<br /> • �� A If Barrower matces these payments directly,Boaower�shall promptly fumish to Lender receipts evidencing the paymenu. .
<br /> ' � � Borrower shall promptly discharge any lien which has priority over this Security instrument unless Borrower:(a)agrees in � '. .
<br /> � ,� . . writing to the payment af the obligation secured by the lien in a manner acceptable to Lender: (b)contests in good faith the lien � ..::.� .
<br /> : � '� ., by. or defends against enforcement of the lien in. legal proceedings which in the l.ender's opinion operate to prevent the .
<br /> ' enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating thc lien to
<br /> this Secvrity lnstrument. lf Lender determines that any par[of the Property is subject to a lien which may attain prioriry over . ,
<br /> � this Security Instrument.Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or .
<br /> ' � � more of the actions set fonh above within 10 days of the giving of notice. , ,
<br /> - .,• Farm 3028 9l90 • .
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