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<br /> � ' r ,, TOGETHER�VTI7�all the improvemeats aow or hereafter erected on the propertY.and all easemenu.apPurtenances.and �:�}. ,' `
<br /> .. � �' •' �`:�c fixtures aow or hereaRer a part of the pmperty. All replacements and additions shaU alsa be covered by this Security �,,,_.� .�;` ,,; . �.
<br /> �°` Instrumert.Ap of the foregoing is referred w in this Seruriry InsWment as the"Propecty." �,,� ..'�.a� F••
<br /> . � ` � -•r BORROWER COVENANTS d�at Borrower is iawfully seised of the est�e hereby wnveyed and has the right to grant and �_�.<`;c . .:
<br /> •` . `= convey the Property and that the Praperay is unencumbered. except for encvmbrances of record. 8orrower warrants and will `.c�'�",
<br /> . -- : � nst all claims aad demands.su6ject to any encumbrances of record. .<4'� .. .
<br /> _ _.-T, d e f e n d g e n e r a l l y t h e t i t l e t o t h e P r o p e n 3+a g a i . �
<br /> t� THIS SECURI7'Y 1NS1`RUME1�iT�°mbines utt�fo�m mvenants for natioaal use a n d non-uni form co v e n a n t s w i t h l i m i t e d , ,
<br />: • variations 6y jurisdiction to constitute a uniform security instrumeat covering real proPertY• ',. , t �.
<br /> ' � UIJ�ORM COVENANTS.Borrower and Lender oovemant and agtee as follows: a when due the ` v�`"': ` �``�`,'
<br />- ' `'`� , < and Interest: PrePayme�t and Late Charges. Borrower shall pmmptlY P Y �4 ,
<br />=;: 1. Payment of Prindpal a and tate charges due uncler We Note. _ .•�_--_
<br />`` �� • principal of and inter�est on the debt evidenad 6y the Note and atry prep Ymert s :
<br /> ` �' . 2. �unds for Taxes au d I n s v r a n c e.S u b j e c t to a p plicable law or to a written waiver by Lender, Borrower shali pay to ;°:,L � '—• �
<br />- � � � L,ender on the day manihlY PaYmenu ace due under the Note.until the Note is pai d in f ull.a sum("Fuads")for.(a)yearly taxes . . , 'r:. -
<br /> . . . and assessments which may auaia priority over this Security Ins7nunent as a lien on the Property:(b)Y�IY leas�old payments .
<br />..� � eari haTard or ro insurance premiums:(d)YearlY tlood insurance premiacns. '. "�_��
<br /> • or ground rents on the Property,if aAY:(�)Y Y P P�Y ...:'�. .�--
<br /> -:` :�``� if any; (e)Year1Y martgage�nsurance prem�ums, if any:and(fl�Y�PaYabte by Borrower to Lender.in accordauce with —
<br /> .: ``'' tlie provisions of parag�aph S.in lieu of the payment o f mortgage ins u r a n c e p r emiums.These items are cxlled"Esccow Items." ,°` °�
<br /> ,' `.. . Lender may.at any time, co llect a n d hold Funds in asi amoum nat w exceed the ma�cimum amount a lender for a fedecally ��, : '• _�,.
<br /> - re for Borrower's escrow acaoura�nder ti�e federal Real Fsta�Settlement Pracedures Act of �,:.�
<br /> .. • related mottgage loan may requi , �_•..�.�,-;..
<br /> - 1974 as amended fram am�to tims, 12 U.S.C.Section 2601 et seq. ("RFSPA'�.unless another law that applies to the Funds �: .:` _
<br /> - . �•�:;=��: seis a lesser amount. If so, l.ender may, at anY time. collect and hold Funds in an amount not to eacceed the tesser amount. .�Tr,.:.:__;-...—
<br /> ` ^ -% ` I.eader may estimate the amount of Funds due on the basis of current data and reasonabte estimates of expenditures of fuhue . • z __
<br /> � .. `1 . _ Fscrow Items or otherwise in aocordanoe with appticable law. �•��_
<br /> � ' � � The Funds shall 6e held in an instimtion whose deposits are insured by a federal agency. �nstrumentatitY• or entity ,;.�:-�
<br /> `r . . .. (including Lender.if Lender is such an institution)or in any Federal Home I.oan Bank.Lender shall apply the Funds to pay the , � -_ -
<br /> - � � Escrow Items.L.ender may not charge Borrower for holNng and appiying the Fisnds.annuallY analY°ng the escr°�'�'�°un�or _ ��-
<br /> - .-c.-. ;' ,..:."�}'��
<br /> � ` verifying tlie Escrow Items,unless 1-ender pays Borrower interesc on the Funds and applicable law permits Lender to make sucb -_ —
<br /> � � ` a charge.liowever, l.ender way require Borrower to pay a one-time charge for an independent real estate taa reporting service _
<br /> ^t� ' ' used by i�ender in connecdon with this loan. unless applicable taw provides otherwise. Unless an ageement ia made or .- ��:� _
<br /> :- - - applicable law requires interest to be paid,Lender shatl not be required to pay Bornower any interest or eamings on the Funds. �.I�f::-.,., H
<br /> ' Borrower and Lender may agree in wriring,however,that interest shall be paid on the Funds.Lender shall give to Bo�sower. _ _
<br /> � ' • without charge.an annual accounting af the Funds, shoaring credits and debiu to the Funds and the purpose for which each � • .':'• •2�:�_
<br /> ' debit to the Funds was made.'Cfie Funds ara pledged as additional security for all sums secured bY this SecurnY Instrument. :_.:, . . _R=-
<br /> ' • � • If the Funds held by Lender exceed the amounu permitted to be hetd by applicabte law.Lznder shall account to Borrower G—
<br /> ' '� +� � .- for the excess Ftmds in accordance aith the requirements of applicable law.if the amount of the Funds 6eld hy Lender at any ___
<br /> • � � � time is not sufficient to pay the Escrow Items when due.l.ender may so notify Borrower in writing,and.in such case Borrower . ��i_
<br /> . , • . � shall pay to Lender the amount necessary to matce up t1►e deficiency. BorraweT shal!make up the deficiency in no more than �..I, . ,�,�...
<br />`'�� . ' twelve moathly payments.at Lender s sole discreuon. ' ' •;"�'�
<br /> � Upon payment in full of all sums secured by this Security Instrument. L.ender shall promptly refund to Borroaer any . •��_,=
<br /> • � �. Funds held by L.ender.If.under paragraph 21,L.ender shall acquire or seli the Property.Lender.prior to the acquisition or sale � �
<br /> . . �: of the Pro e .shali apply any Funds held by Lender at the time of acquisition ar sale as a credit against the sums secured by �_.';;_•_''.-_--
<br /> y , . � P rtY --
<br /> . • • ' this Security Instrument. =�l ;.�'�'
<br /> Fi., : . .
<br /> �:: �` , -� `�� 3.Application oP Payments.Unless applicable law provides otherwise.all payments received by Lender under paragrap�� _
<br />;�r" �, � " . . 1 and 2 s}�all be applied: first.to any prepaymeat charges due under the Note:second.to amounts payable under patagrap � ;;:_��_
<br /> , ;•-��.,�.:.
<br /> � � ; third.to interest due;fourth,to principal due:and last.to any late charges due under the Note. _ _
<br /> • • 4.Chargcg, I-tens• Borrower shall pay all taaes.assessments.charges. fines and impositions amibutable to the Property ., -^1`;•�����_:,
<br /> � which may attain pr+ority over this Securiry Instrument.and leasehold payments or ground rents. if any. Harrower shall pay , �,P .
<br /> � • : . these obligations in the manner provided in paragraph 2,or if not paid in that manner.Bonower shall pay them on time direcWy � : •
<br /> • � � ` to the person owed payment.Borrower shall promptly furnish to Lender all notices of amounts to be Qaid under this para�raph.
<br /> ` ' If Bonower makes these payments directly.Borrower shall promptly fumish to Lender receipts evidencing the payments. .
<br /> •' , Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees in _;:
<br /> .,.,�`; : writing to the payment 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. legat proceedings which in the Lender'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 the lien to
<br /> ' ; • � � this Security lnstrument. If Lender determinrs that any part of the Property is subject to a lien which may attain pnonry over : .� .
<br /> . . this 5ecurity lnstrument. Lender may give Borrower a notice identifying the lien. Barrower shall satisfy the lien or take one or ,.
<br /> '�' � more of the actions sct forth above within 10 days of the giving of notice.
<br /> Form 3028 9190 �
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