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<br /> .. a1�'easemenu. urtenances.and � .
<br /> � . ' TpGETHER W(TH all the improvemenu now or hereafter erected on the pmper[Y.and aPP .�<�f :�`
<br />_ . � � �.� fixtures naw or hereaiier a part of the property. A11 replacements aud additions shall also be coveced by this Secvrit3►
<br /> ' insteument. All of the foregoing is referired to in this Security tnstrument us the'Piroperty•" • ,
<br /> � BORRO�VER COVENAPII'S 3hat Borrower is lawfuily seised of the estate hereby conveyed and has the right to grant and . �?� ��• �
<br /> .. .. � ..,_._�;. oonvey the PropertY and[hat the Property is unenciembered, except for encumbrances of record. Bonower warr'anu and wi11 I
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<br /> = f` defend generally the title ta the Propecty a�,ainst all claims and demands.sabJect co at►Y encumbrances of record.
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<br /> --- . 'f!t!�SECURtTY INSTRUM�I�iT combines unifarm eovenants for nationa!use and non-unifoma covenants with lunited .`4;: _
<br /> • � variations by jurisdiction to constiwte a uniform security insmtment oovering real proPe►tiY• . �.<..
<br /> � ` UIJIFORM COVEIVAI�TS.Borrower and Lender covenant and a�rex as follows: �
<br /> . . 1. Payment of P�3ndpal and Interest; PrePaYment and Late Cha�ges. Botrower shall promptly pay when due the ,. t "•` vT-_.'
<br /> �..- _ ���'- } principat of and interes:on the debt evidenced 6y the Note and any prePayment and laie charges due tmder the Note. , � :. :.;, _
<br /> � . Z,�unds for Tases and Imucance. Subject to applirable law or to a written waiver by Lender. Borrower shall puy to ,,; E
<br /> . ` . . -� Lender an the day monihlY payments are due under the Note.until the Note is paid in full.a sum("F�l� i�e�seho d 'y ents c ` .�,�i'+-
<br /> " " " attd asse.ssments which may attain priority over this Security Instrument as a lien on the ProPe��flaod insurance premiums. '--
<br /> , • or graund renu on the Property.if any:fc)Year1Y harard or property insurance premiums:(d)Y Y �H,�4_�;-
<br />. . ` • � if any:(e)yearly awngage insurance pr+emiums.if any;and(�anY sums Payable by Borrower to Lender. in accordance wit6 ,' .: •`•;r,_�`.�.-:
<br /> . _ the provisio�of paragiaph 8.in lieu af the payment of mor[gage insurance premiums.These items are calied"Escrow Ite�ns." �r .:. .••::��_:-=
<br /> • i.ender may, at any time, collect and hotd Funds in an amnunt not to excced the maximum amaucn a tender for a federally - ;,;`
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<br /> . ` �,'�'r r¢1ated mortgage loan may require for Bosrower's escrow account under the federal Real Estate Settlemeat Procedures Act of : ;�_ :, `(� _
<br /> 1 9 7 4 as amen d e d f ro m t i m e t o t i�e. 1 2 U.S.C.Section 2601 et seg. ("RESPA").unless�other law that applies to t1ie Funds ; jY N =_
<br /> - - - - sets a lesser amount. If so. I.end�cnay, at any rim�.C011��d hold Funds in an amo�u►t not to ex c e e d t he lesser amoun t. , ':;r.`: t�
<br /> •�� � Lender may estimate the amoum of Funds due on the basis of current data and reasonable estimates of expenditnres a�future _ ��
<br /> Fscraw Items or othe-aise in accordance with applicable law. ' .'. . '�"�-T
<br /> The Funds shaft be held in an institution whase deposits are iasurad by a federal agency, instrumentality,or enqty � I;, : �R��=�._-
<br /> � � � ' (inctudin�Lender.if L.ender is such an institutian)or in any Federal Hom�Loan Bank•Lender shall apply the Funds to pay the • ;�;��:;..,
<br /> the escrow accoun�or �`-'�=
<br /> �� �` � • Fscrow Items. I.ender may not charge Borrower for holding and apptying the Funds,annualJY analY�B � •�
<br /> � � �. `` verifying the Escrow items.unless Lender pays Borrower incerest on the Funds and applicable law permiu Lender to make sueh , ,�,�f;:,
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<br /> � . ' ,r a charge. However, Lender may require Borrower to pay a one-time charge for an independent real estate tax teporting service _ - -_
<br /> : used by Lender in connection with this loan, unless applicable iaw provides othenvise. Unless an agreement is made or ..,:i=_��
<br /> < � , ' applicable law requires interest to be paid.l.ender shaQ not be required to pay BoTrower any interest ar earnings on the Funds. ;;.-a_
<br /> , . Borro�ver and Lender may agree in writing,hawever,that iaterest shatl be paid on the Funds. Lender shall give to Borrower. ���,�:—�
<br /> ' � withaut charge, an annaal accounting of the Funds, showing credits and debits to tlie Funds and the purpase for whiah each ,"•1;`Ty
<br /> � debit ro the Funds was made.The Funds are pledged ati additional tiecurity for aU sums secured by this Security instrutnent. : �T_�,�
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<br /> •. • � If the Funds held by L.ender excee�[he amounts perm+tted co be heid by appGcable law,Lender+hall acwun[to Bonower ';.__
<br />� �� - -- � for ehe ezcess Funds in accord:snce�vith thc rec{uirements of applicabte law. lf che amount of the Fupds held by Lender at any _ -`_
<br /> :�� • time is not+u f f icien t to pa y t h e Facrow Items when due. Lcnder may sn notify Bonower in writing,and,in such casc Barrower . ;.;f-�:
<br /> , � . �.� shall pay to Lender the atnount necessary to make up the deficicncy. Barrower shall make up the deficiency in no mare t han ���.�,:--
<br /> . • � .. ttvelvc monthly payments,at Lender's so}e discsetion. • '
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<br />_ Upon payment in full of all sums tiecured by this Security Intitrument. Lender shall promptly refund to 9orrower any . •-�`
<br /> � ` Funds hetd by L.ender.If, under paragraph 21,l�ender shall acquire or sel!the Property.Lender, prior to the acquisition or sale __
<br /> � . • • of the Property.shall appty any Funds hetd by Leader at the time of acquisition or sale as a credit against the sums secured by ___
<br /> � • � . this Security Instrument. -�
<br /> ; � .' : . • 3.Appl�cation otPayments.Unless applicable law provides otherwise.all paymencs received by Lender underparagraphs
<br /> � ' + ' 1 and 2 sha11 be applied: first, to any prep�ymem chatges due under the Note: second,to amounts payable under paragraph 2: , _ ,_,,m..
<br /> � � � third.to interest due:founh,to principal due:and last.to any late charges due under the Note. , ` '�'
<br /> � 4.C6arges;Liens. Borrower shall pay all u►xes.assessments.charges. fines and impositions attributable to the Property _
<br /> �� ' which may attain priority over this Security Instrument. and leasehold payments ar ground rents, if any. Borrower shall pay "�;•
<br /> �• - • these abligatioa�in the manner provided in paragraph 2,ar if not paid in that manner.Borrower shall pay them on time direcdy
<br /> �., . • .
<br /> ' . to the penon awed payment.Borrower shall promptiy furnish to Lender all natices of amounts to be paid under this paragraph.
<br /> � '�� IF Borrower makes these paymer.���:r�:ctly.Borrower shall promptly fumish to I.ender receipts evidencing the payments.
<br /> Borrower shall prompuy�:�charge any lien which has priarity u�•er this Security instrument unless Borrawer.(a)agrees in :
<br /> ,'`:. , writing to the payment of ihe obligation securcA by the liert in a manner acceptable to Lendet;(b)contests in good faith the lien ,
<br /> �; . byr, or defends agaimt enforcement ��f the lien in, legal procetdings which in the Lendei s opinian opetate to prevent the
<br /> � ' . en fo r c e m e n t o f the lien: or Ic)secures from the holder of the lien en agreement satisfactory ta i.ender subordinating the lien to
<br /> ' �r this 5ecurity Insirument. lf Lender determine�ihat any part of the Property is subject to a lien which may attain priority over ,, ,
<br /> � this Secutity Instrument. Lcndcr may give Barrower a noticc idcntifying thc lien. Borrower shall satisfy the lien or take one or
<br /> more of the sctians sct forth above within 10 days of the giving of nolice. �
<br /> • ' • � • Form 3028 9180 •
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