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<br /> �?-1�;'7�95
<br /> TO(iBTHER W[TH ull the Improvements now or hereufter erected o�►the propcny,ona.1 uli casemcnts,nNpurtenunres,oncl
<br /> fixtu��es now on c�rcaftcr u pun of the property. All rcplarcments and edditions st�all uluw be ri�vcred by thi� Security
<br /> Listrumcnt. All uf thc foragoing is mferrcd tn in th�s Security Instn�ment as the'F'raperty.'
<br /> BORR0IVER COVENANTS that Borruwcr is lawfully seised of the estate hcrcby canvcyal a�xi haw the right to grant und
<br /> convey �ne Property and that the Property is unencumbered, except for encumbrances of rccord. Bcirrower warrnnts ax1 will
<br /> defend generally the title to the Property ugainst ali claims ancl demands.subject to any cncu�nhrances of rerord.
<br /> THIS SECURITY INSTRUMENT combines uniform covennnts for national use and non•uniform covenants with limftai
<br /> variati�ns by juriscli:tion to constitute a uniform securfty instrumcnt covedng real pmpertY•
<br /> UNIFORM COVENANTS.Bonower and L.endcrcovenur►t und agree as follows:
<br /> 1. Pxyment ot Principal and Irlerest; Prepoymeat and Late Cfw�ges. Borcawer ahnil promptly pay when due the
<br /> princlPal of und interest on the debt evidenced by the Note and any prcpayment and late clargcw due under the Note.
<br /> Z. �nd9 far Twces :nd Insuranee. Subject tv applicable law or to a wdtten waiver by [,encier,Borrower�shalt pny to
<br /> Lendar on thc day mc�ntNly paymenGS are due undcr dte Notc,until thc Notc is paid in ficll,n sum('Funds")for: (a)yearly taxes
<br /> and asscssments which may attain priority over tt�is Security Instrument:is a lien on the Froperty: (b)Year�Y�".ugehold payments
<br /> or ground rents on the.Property.if any;(c)yearly lwzard or property insuraace premiums;(d)ycurly tlood insurunce pnmiums.
<br /> if any: (ef ycarly mortgage insurance p�miums, if uuy: and(fl eny sums p�yabic by Bomv-�.vcr to L,�nder, in acc.c►rdance with
<br /> the provisions of paragraph B, in lieu of tha payment of mortgage insurance premiums. 1Uese[tems are called"Escrow Items."
<br /> Lender may,at any time. collect and hold Funds in an amount not to exceed thc maacimum nnwuat A Iender for a federally
<br /> relatod mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amended from ti�tx to time. 12 U.S.C. Section 2601 et seq. ("RESPA").unlessanother law ehat applies to the Funds
<br /> sets a lesser amount. lF sa, L,e�der may, st any time,c�llect and hold Punds in sm anaunt not ro exceed the lesser amount.
<br /> Lender may escirnate the amount of Funds due on the busis of currcnt data and reasonablc cst[mates of expendituns of future
<br /> Escrow Items or aherwise in accordance with applirabte law.
<br /> The Funds shall be hetd in an lnstitutian whose deposits are insured by a fedaal ugency. instrumentaliry. or entity
<br />_ (Inciuding L.ender,if 4ender is suah•nn institution)or in any Federal Home Loan Banlc. Lender shall apply the Funds to pay the
<br /> Escrow Items.LendEr may not chiugse Horrower for holding and applying the Funds,aniwatly analyzing the escrow account,or
<br />-� verirying the Escrow I�ems,uaies�L.anuci�,ays P�tr.z�cr iniar�i an ttse Fs:s:3�s.*�s��+ltrnt+IQ�1w�ermit�s[.ender to ma@e such
<br /> 4 a charge.However, Y.encter may require Borrower to pay a one•time charge for an indepmdent r�ul estate uuc reporcing service
<br /> � used by I.ender in connecdon with thts loan, unless appltcable law provides otherwise_ Unless an agreement is made or
<br /> applicable!aw requi�+es interest to be paid.L.ender shall not be requited to pay$orrowererzy interest or eamis�gs on the Funds.
<br /> � Bunower and Le►dar may agree in writing,however,that intcrert shall be paid on the Funds. I.ender shaU give to Borrawer,
<br /> without charge. an annual accounting of the Funds, showing cred[ts and debits to the Funds and the purpr�se for wRicla each
<br /> � debit to the Funds was made.Th�Funds are pledged as addidonal security for all sums savrtd by this Sxuriry InstrumMt:
<br /> - If the Funds held by Lender exceed the amounts permitted to be held by epplicable law,I.ender shall account to Borrower
<br /> = for the excess Funds in accordance with 2t�e reyuirertunts of applicable law. If the amount of the Funds held by Lender at any
<br /> = timo is not sufficient to pay the Escmw Itoms when due, Lender may so notify Boaowerin writins.and,in such case Borrower
<br /> shall pay to Lender the amount nxessary to r�uke up the deficjency. Borrower shell rn�lce up the d�ficiency in no mot�than
<br /> � twclvc monthly p�yments,at Lender's sole discretton.
<br /> ; Upon payrnent in full of all sums secured by this Socudty Instrument,Lender shall prompdy netund to Borrower any
<br /> 3 Funds held by I.ender.If.under paragraph 21.L.ender shull acquire or sell the Pr�operty,Lender.prior to the acquisition or selC
<br /> ' of the Propecty. shaU apply any Funds held by L.enJer at the time of acquisition or sale as n cm.�lit against the sums secura!by
<br /> y this Securi[y insttument.
<br /> 3.AppUcstbn o[Paymmta.Unles.4 applicable law provides otherwise.all payments reaivod by Lender und�r paregraphs
<br /> 1 and 2 shall be appliat: first,tn any prepayment charges due under the Note; second.to amounts payable under paragraph 2;
<br /> � third,to interest due;fut�rtfi,tu principal due;and last,to any late charges due u�der the Note.
<br /> { 4.Ch�rges;Lientiz. Borrowcr shall pay nll taxes,assessments,charges.fines and impositions attdbutable to the Property
<br /> which may attain priodty over this Secur3ry Instrumant. und leasehold payments or ground ronts, if aay. Borrower shell pay
<br /> ; these obligations in the mmner providcd in parngtaph 2. or if not paid in that manner. Borcawer shall pay them on time dirtctly
<br /> � to the person owed payt�cnt. Borrower shall promptly furnish to Lender all notices of amounts to be paid undes this paragraph.
<br /> � If Bc�rrower makes the�e�ayments di�ectly,Borrower shall promptly fumish to i..ender rcceipts evidencing the payments.
<br /> ' Borrower shall promptly discharge uny lien which has priority over this Security Instrument unless Borrower:(a)agrees in
<br /> � writi�g ro the payment of the obligation secured by the lien in a m�nner acceptuble ro L�nder:(b)rnntests In good faith the lien
<br /> ' by, or dcfends against enforcement of the lien in, legal proceed'►ngs which in the Lender's opinion opernte to prevent the
<br /> i enforcement of the lien; or(c)secures from the hoicfer of the lien an agreem�nt sattsfactory to L.ender subordinuting the lien to
<br /> ; this Security Instmmsat. If Lender dctcrmines that.any part of the Properry iE s-�ibject a a lien which r�ay attain priority over
<br /> this Security Instrurnent, I.ender may give Borrower a nutice identifying the liea.Borrow�r sliall sntisfy the lien or take one or
<br /> � more of the actions set forth above within 10 duys of the giving of noticc.
<br />.
<br /> • Form 3028 9l80
<br /> ' F�ge 2 of 8
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