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<br />' f' and all easements.aPPurtenasces.and .
<br /> '. . < TpGETEIElt WITH all the impmvecaencs now or hereafter erected on the property. .
<br /> .. fixtures now or hereafter a part of the proPertY. Ali iepiacemeats and additioas shall also be covered by this Securiry
<br /> - ��. . Inswment All of the foregoing is referred to in this Security Instrumeni as tbe"ProPerty- . :.. , .
<br /> BORROWER COVENANTS that Sorrower is lawfully seised of the estate hereby conveye�ana has the right to grant and
<br /> ' '� convey the Pr�operty and that the Property is unencvmbered,except for encumbrances of rccord. Borrower warrants and will �� ,: .° .� .
<br /> - -'v��.�-�--a defend genetally the ride to the Praperty against all claims and demands.subject to any encumbrancu�of record. t , ,., -'•
<br /> _ = T H I S S E G U R I T Y IN S T RUMENT crombines uniform wvenanu for national use and nnn-uniform covenanu with limited
<br /> _ variations by jnrisdiction to consatute a uniform securi ty instrument covering real praPertY• :
<br /> , UiVIFORM COVENANTS.Borrower and Lender cov�e �d ���°��wer shall prom�flY PaY when due the .- = ��; • -_�-
<br /> �,. _� `4•�. l. Payment of Priactpal and Inierest; PrePa9m ` „ .;,.
<br /> E�` ' . . _.. _ y re a eat and late charges due under the Note.
<br /> . principal of and interest on the debt evidenced b the Note and any p p Ym
<br /> j•' 2. Funds for Tases and Insarauce-Subject to applicabte law or to a written waiver hy Lender, Borrower shall pay to �� :. ' :� �x:,:`.<.
<br />-,:r `� Lender on the day monthlY PaYments are due under the Note.until the Note is paid in full.a swn("Funds")for.(a)Yeaz1Y t��s '�,, - • ` V�:_
<br />-�:�°. riori over this Securiry lnsvament as a lien on the Froperry;(b?Y�Y lease$old payments ��_ :
<br /> and assessments which may attain p LY tload iasurance premiums. • '��
<br /> _ • . or ground rents on[he Property.if any;(c)Yearly ha7ard or properiy insurance premiwns:(d?Y�Y , �� �- �
<br /> y, able b Borrower to I.ender,in accordance witl� "`""•
<br /> � �- � : if aay' (e)Year1Y mortgage ensurance premiums. if an •and(�any sums paY Y -
<br /> „ ; .-` the provisions of paragraph 8,in 1'seu of the payment of martgage insurance premiums.These items are�1�"��TOw Items." ..- , �-.-
<br /> �•��.�. ' • Lender may,at any time. sallect and hold Funds in an amaunt not to exceed the maaimum amount a lender for a federally -
<br /> F�• ��•
<br /> � ` retated i►tortgage loan may require for Borrower's escrow account under the federal Real Estate Seutement Proceduies Ad of
<br /> _ , ..'.
<br /> � 1974 as amended from time to time. 12 U.S.C. Section 2601 et seq. ("RESPA"),unless another law that applies W the Fnnds _
<br /> sets a lesser amount.If so, Lender may,at anY time. colleet and hold Funds in an amount aot[o exceed the lesser amosint. __
<br /> - . ' '' ��� � Lender may estimate the amount of Funds due on the basis of current data and reasonable escimates of expenditnres of future .. .., -
<br /> - ' � Esctow Items or othe�wise in accordance with applicabte law. . _
<br /> :,.., • ' , ,� • The Funds shall be heid in an instituuon whose deposits aze insured by a federal agency. instrumeataiity. or entity ., . '•�'" ,�' l_
<br /> ; (including I.ender,if Lender is such an institution)or in aoy Federal Home Loan Bank•1-ender shall apply the Funds to pay the �a�i_
<br /> ' • • Escrow Items.Lender may not charge Borrower for holding and applying the Funds,annuatly analyzing the escrow account.or s -_
<br /> �� ' verifying the Escrow Items.unless I.ender pays Borrower interest on the Funds and applicable law permits l.ender to make such __ 4
<br /> ,, , , a chatge. However.Lender may require Barrower to pay a one-time charge for an independent real estate tax reporting service �—
<br /> .•.�� � . � used hy l.ender in connecuon with this loan. unless applicable law provides otherwise. IIniess u► agreement is made ar �
<br /> '�- applicabte law requires intesest to be paid.i.ender sha11 not be required to pay Boaower any interest or eamings on the Funds. ; �._- -
<br /> `�f . ` Borrowec and Lender may agree in�vriting, however,that interest sha11 be paid on the Funds. Lender shtill give to Bonower, : ,
<br /> : � withaut charge. an annual accounting of the Funds, showing credits and debiu to the Funds and the purpose for which each J�w__
<br /> d;bit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Security Instrument. ; ^r�_z
<br /> . � . If the Funds held by Lender exceed the amounts permitted to be hetd by apptica6le law.Lender shall account ta Borrower .` ,,,,_„';
<br /> '.
<br /> �--��� �„�-�� for the excess Funds in accordance with the requiremen�s of applicable law. If the amount of tlie Funds held by Lender at any .. � ,
<br /> r •• � ' dme is not sufficient to pay ihe Fscrow Items when due,Lender may so nodfy Borrower in writing.and,in such case Borrnwet :.` �-
<br /> � � s h a l l pay to L e n der the amount necessary ta malce up the deficiency. Borrower shall make up the deficiency in no more than �•,�;r:
<br /> ,•-.
<br /> � twelve monthly payments,at Lendei s sote discretiun. � �'-
<br /> �-....
<br /> • � Upon payment in full of all sums secured by this Security Instrument, Lender sha}I promptly refund to Bonower any . , ,.;.
<br /> . .��
<br /> �' � Fund�hetd by L.ender.lf.under paragraph 21.Lender shall acquire or selt the Pcoperty,l.ender.prior to tfie acquisition or sale , ;�_
<br /> � of the Property.shail apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by =�
<br /> �>•� � this Seruriry lnstrument. . � �
<br /> ; ' , 3.Application of Payments.Unless applicable la�v provides otherwise,all payments reoeived by Lender under paragraphs `
<br /> • 1 and 2 shall be app��ed: .first, to any prepayment charges due under the Note; second.to amounts payable under paragraph 2: .
<br /> , .' .� third,to interest due;fourth,to principal due:and tast,to any late charges due under the Note. .•
<br /> . 4.Charges;Lieas. 8orrower shall pay all taxes,assessments.charges. fines and impositions attributable to the Property _
<br /> .�.. � which may attain priarity over this Sccurity lnstrument. and lcasehold paymcnts or ground renu. if any. Borrower shall pay .,;
<br /> . . : these obligations in the manner provided in paragraph 2,or if not paid in that manner, Borrower shall pay thcm on time direcdy ,
<br /> � to thc person owed payment. Borrower shall promptly fumish to Lcnder�II notices of amoun�ti to be paid under this.paragraph.
<br /> � If Bonower makes these payments direcUy.Borrower shall promptly furnish to Lender receipis cvidencing the payments.
<br /> • ' Borrower sh�ll prompdy dischar�;e any lien which ha�priority ovcr this Security Instrument unless Borrower: (a)agrecs in `��`
<br /> writing to the payment of the obligation securecl by the lien in a manner acceptuble to Lender:(b)conteses in gaod faith the lien .
<br /> , ' by, ur defends against enforcement of thc lien in. legal pracecdings which in the Lender's opinion operate to prevent the
<br /> � enforrement of thc lien:or(c)secure�from the holder of the lien an agreen�ent satisfactory to Lender subordinating the lien to
<br /> . • this Security Instrument. lf Lender determineti that any part of the Propeny is cubject to a lien which may anain priority over . . •
<br /> � this Security ln�trument. Lender may give Be►nuwer a notice identifying the licn. Bnrro�ver chall satisfy ihe lien or take one or
<br /> • mnre of the actians set fonh above within 10 days of d�e giving of notice.
<br /> � . form 3028 9I90 � �
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