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<br /> • � TOGETHER WITH all the improvements now or hemafter ecected on the pmperty,and all easemenu,appurtenaaces.aad � . .
<br /> ' � futures aow or heteafter a part of We pmperty. All ceplacements and additioas shall aiso be covered by this Security °"�:` �
<br />- ' ��—'' Insuument.All of the foiegoing is referred to in this Security T ,+++�t as the'Progerty.° . `
<br /> � M"m�r BORROWER COVENANTS that Borrower is lawfully seised of the estate heteby couveyed and has�he rigtit to grant and =. •`.:.� .� ��� -.
<br /> ., _. _
<br /> '` ` --` canvey the Property and that the Pmperty is uneacamBered,exc�t for encmmbrances af mcord. Barmwer wazraats aad tivill
<br /> . . • defend geaenlly tIIe tifle to the Pmperty against aU claims and demaads,subject to any encumbrances of recoid. ,Y;'
<br /> � • . THIS SECURITY INSTRLTMENT combines naiform coveaants for national nse and noa-uniform covenants with limited� ���
<br /> , - - varea[ions by jurisdiaion to constitute a uniform security instrament covering real property. � _ . '
<br /> � . - UN�ORM COVENANTS.Borrower and Leader coveaant aad agtee as follows: ' �•� �
<br />- , .. . l. Payment of Prindpa!sad Interest; Prepayntent and Late Cha�ges. Borrower shall pmmpdy pay when due� `
<br /> - Frincipal of and intere.st on the debt evidenced by the Note and anY P�PaY�t����s due uader the Note. p ,_ .,�,•:�,�..
<br />,. ; 2.Fands for Taxes an8 Ins�uance.Subject to applicable law or to a wriuen waiver by l.ender.Borrower shalt pay t� .,` ....r-- ..,�
<br /> � � Lender on the day monthty pay�cents are dus under the Note.vntil the Note is paid in fnll,a sum(°Funds")for.(a)yearty � •. '. :'::�,-_
<br /> ` _
<br /> �- , and assessmenrs which may auain priority over this Secauiry Insuameat as a liea on the Property;(b)yearly leas�told paymen ;
<br /> . � or grauud renis on the Proper[y,if any;(c)Year1Y hazard or�mperty iasurancc premiums;(d?Yearly�ood insucance premiums�
<br />_ • if any; (e)Year1Y mortgage insurauce p*p 'm��,if any;and(�aaY Sums Pa7+able by Borrower w L,ender,in accordance witb .
<br /> the provisions of paragraph 8,in lieu of the payment of mongage ins�u�ce premiums.These items ace called'Fscrow Items.° -
<br /> I.ender may, at any time,collect and hold Funds in an auiount not to exceed the maximum amount a lender for a federally
<br /> . � . ` ':� related mortgage loan may reqaire for Borrower's escrow account uader the federal Real Fstate Seidement Pracedu�es Act af ,�;,�.� ,, -
<br /> ��� .;;3 1974 as amended from time to time, 12 U.S.C.Secdon 2601 et seq.('RESPA"),unless another law thai applies to the Funds -��I�''_� __
<br />�'`_c• � •��` sets a lesser amouni.If so,I.ender may,at a�r time, coUect aad Dold Funds in an amount not w exceed the tesser amount. .:"���"
<br /> , . . '',.'t Lender may estimate the amonnt of Funds due on the basis of current data and reasonable estimates of eapenditwres of future ',���,-'`•"
<br /> ' - Escrow Items or otherarise ia accordance with applicable law.
<br /> • ._. . "" The Funds shall be held in an institution whose deposits aze iasured 6y a federal agency, instr�enm�try, or�ty - - _.—.
<br /> _ ' �' (including Len�ic�.if Lender is such aa ins6tucion)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the
<br /> � �� ; Fscrow Items.Leader may not charge Borrower for hotding and applying the Funds,annually analyzing the escmw account.or ' � __-__
<br /> �� verifying the Escrow Items,uoless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such �� "'
<br /> � � � � ��� ` a charge.However,I.ender may require Borrower to pay a one-time charge far an independent real estate tax reporting service __"
<br /> ' ``-� used by Lender ia connection with this loan, unless applicabte law provides othera�ise. Unless an ageement is made or -
<br /> " , • �r� applicable law r�ires interest to be paid,Lender shall not be tequired to pay Borrower any inser�t or eamings oa the Funds_ ' __-
<br /> � Borrower and I.ender may agree in writing,however.that interesc shzt be paid on the Fund� I.ender shaU give to BorroRe�„ �
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<br /> �'�' without charge, an annual accounting of the Funds,showing credits and debits ro the Fnncfs and the purpose for which eas.fi
<br /> ;__ .__ � deb�t to the Funds was made.The Fuuds are pledged as additional securiry for aIl sa�s secared by this Security Instt�t. � :: _'�-
<br /> • �',3�� ff the Funds held by Lender exceed the amounts permiued to be held by applicable law,Lender shail accuimt to Bormwer �-^�=
<br /> :—, �._
<br /> � for the excess Funds in accordance wich the requirements of agplicab2e law.If the am4unt of the Funds held by Leuder at any �F`
<br /> �'���-
<br />� . tirne�s not sufficient to pay the Escrow Items when due.I.ender may so norify Borrower in writing,and,in such case Borrower ,. . •:'�-.
<br /> � � shall pay to Lender the amount necessary to make up the defeciency. Borrower shaU make up the deficiency in no more thau '��.. _
<br /> . �� twelve montlily payments,at Lender's sole discsetion. �'" `- ;—
<br /> � � • Upon payment ia fuU of all s�ms secured by this Securiry Instrument, Lender shall pmmptly refund to Borrower aay �� ����`
<br /> _ � Fnnds hetd by Lender.lf,under paragraph 21,Lender shall acquire or seU the Properey,Lender,prior to We acguisition or sale '. � ..:;:. , ""
<br /> •. �,� ;� of the Property,shall apply any Funds hetd by Lender at the tune of acquisition or sale as a credit against the sums secured by . • .`^,y
<br /> � �-} this Securiry Instrument. :__�
<br /> � � 3.Applicatton oP Pgymec�ts.Unless applicable law provides otherwise.all paya�eau received hy Lender under paragraphs
<br /> . . • � � 1 and 2 shall be applied:firsc.co any prepayment chazges due under the Note; seo�-ad,to amounts payable under paragraph 2; . ,
<br /> ' � third,to interesc due;founh,to principal due;and tast,to any late charges due under the Note. •; ,..r� � '
<br /> �, . . 4.Charges;Liens.Borrower shall pay all ta�ces,assessments.charges, fines and impositions amibutable to the Property � ,
<br /> • � which may attain prioriry over this Securlry Instn�menc, and leasehold payments or ground rents, if any. Borrower shall pay • . •
<br />, , � these obligations In the manner provided ia pazagraph 2.or if not paid in that manner,Borrower shall pay them on time directiy . .
<br /> . � tm cwe person owed payment.Borrower shall promptly fumish to Lender all notices of amounts to be paid under c3is paragraph. �'
<br /> �`� If Boaower makes these payments directly,Borrower shall prompdy fumish to Lender receipts evidencing the payments. , •
<br /> Bonower sha11 promptly discharge any lien wbich has priority over this Secuiity Instcument aaIess Boaower:(a)agrees r.� �
<br /> � • � writing to the�a,rment of 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. 1ega1 praceedings which in the Lender's opinion operate to prcvent the • . �
<br /> . enforcement of[he lien;or(c)secures from the holder of[he lien an agreement satisfactory to Lender subordinating the lien to •�..,�. ' . •
<br /> • � . ttus Security Inswment. If Lender determines that any pan of the Property is subject to a lien which may attain priority over .
<br /> .� � this Security[nstrument.Lender may give Bonower a notice identifying the lien.Borrower shall satisfy the lien or take one or '
<br /> . " morc of the actions set forth above within 10 days of the giving of notice. .
<br /> : Form 3028�9/�0 �
<br /> �,..;._ ��6RINE)�9�osi Papo 2 0�6 tmna!z���3 �
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