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<br /> 97- i�'7'�995
<br /> TO(jETH�R WITH ull the improvements naw or herwfter erected on the property,und all eusemcnts,oppurtenunces,und
<br /> fixtums now ar hereafter u part of the praperty. All replacements und udditions shall also 6e covered by this Securlty
<br /> Instrument. All of the foregoing is rcfcned to in this Serurity Instrumcnt us thc"Property."
<br /> BORROWER COVBNANTS thAt Dorrower is lawfully seised of the cstatc hereby conveycd und has thc right to brunt and
<br />� cunvcV tl�c Property and that the Property is unencumbered, except for enrumbrunces of recorcl. Hc�rrower warrnnts and�vill
<br /> defend�enerally the tltle to the Property ugainst ull clnims und demnnds, subject tc�uny encumbraneec c�f record.
<br /> TH[S SBCURITY INSTRUMENT combines uniform covenants for nationul use und non-unifc�rni covenants with limited
<br /> vuriations by jurisdictian to constitute u uniform security instrument covering reul property.
<br /> UNIFORM COVHNANTS. Borrower und Lender covenant und agree us follaws:
<br /> 1. Ps�yment of Principal and Interest; Prepayment and Late Charqes. Bon•owcr shull pramptly puy when due the
<br /> principal of and inierest on the debt evidenced by the Nnte and uny prepayment und late chnrges due under the Note.
<br /> 2. Funds for Taxes and Insurance. Subject to applicuble law or to a written waiver by l.ender, Bartower shull pay to
<br /> Lc:nder on thc day manthly payments are due under the Note,until thc Notc is paid in full,a sum("Funds")for: (a)yearly taxes ;
<br /> and assessments which may attAin priority over this Security In�trument as a Iten on the Propeny: (b) yearly leasehold payments
<br /> or ground rents on the Property,if any;(c)yearly hazurd or property insurance premiums;(d)yearly floai insuranoe premiums,
<br /> if any; (e)yearly mortgage insurance premiums, if uny; and(t)any sums payable by Aorrower to Lender.in accordlnce with
<br /> the provisions of paragrnph 8. in lieu of the payment of mortgnge insurancc premiums. These items arc called "Escrow Items."
<br /> Lender may, ut uny time, collcct and hold Funds in an ucnount nat to exceed the maximum amount a lender for a federal[y :
<br /> related mort�age loan may require for Borrower's escraw account under the federal Real Estate Settlement Pracedures Act of ;
<br /> 1974 as amended from time tu tfine. 12 U.S.C. Section 2601 et seq. ("RESPA"), unless another law that epplies to the Funds �.
<br /> sets a lesser amount. If so, Lender may, at any time, collect rsnd hold Funds in an umount not to exceed Ihe lesser amount. ,
<br /> Lender mny estimate the amount of Funds due on the basls of cunent data and reasonable estimates of exptnditures of future
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shall be held in an institution whose deposits ure insured by a federal agency, instrumentality, or entity
<br /> (including Lender.if I.ender is such an institution)or in any Federal Home Loan Bank. L.ender shall apply the Funds to pay the
<br /> Escrow Items.I.ender may not charge Bonower for holdfng and applying the Funds,annually ac►alyzing the eserow account.or
<br /> verifying the Escrow Items,unless L.ender pays Bonower Interest on the Funds and applIcable law perniits Ltnder to meke sucli
<br /> a charge.EIowever,Lender may require Bonower to pay a one-time charge for an independent real estate tac reporting servtce '
<br /> used by Lender in connection wiih ihis Iunn, unIes� appIie:ablC Ittw pcuvidc� �ti�c►winc. u�ac�� att ag�a�i�cni i� maJG or
<br /> applicable law rcquires interest to be paid, I.ender shell not be required to pay Borrower any interest or earnings on the T'unds.
<br /> Borrower and Lender may agree in writing. however, that interest shall be paId on the Funds.Lender shall give ta T3orrower,
<br /> without charge, an annual accounting o;the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.Thc Funds are pledged as addidonal securlty for ull sums secured by ttiis Securiry Instrument.
<br /> If the Funds held by Lender exceed the amounts permitted to be held by applicable law. Lender shall account to Horrower
<br /> for the excess Funds in accordunca with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay the Fscrow Items when due,i.ender may so notify Borrower in writing,and,in such caso Bonower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficlenry in no more than
<br /> twelve monthly payments.at Lender's sole discretion.
<br /> Upon payment in full of all sums secured by this Securlty Instrument, Lender shall promptfy refand to Borrower any
<br /> Funds held by Lender.If.under paragraph 21.Lender shall acquirc ar sell the Properry.Lender,prior to the acquisition or sale
<br /> of the Propecty.shall apply stny Funds held by L.ender at the time of acquisftion or sale as a credit against the sum,�sCcut�ed by
<br /> this Security Instrument. . •
<br /> 3.P..pplication ot Paymentsz.Unless applicable law provides otherwise.all payments received by Lender under paragraphs
<br /> l and 2 shull be upplied: first. ta Any pre�ayment chu�ges due under the Note;second. to emounts payable onder puregraph 2;
<br /> third,to intarest due; fourth.to principtil due;und last.to any late charges due�nder the Notc.
<br /> 4.Charges; Ltenv. Borrower shall pay all tuxes,assessments, charges. fines and Imposittuns attrlbutaWe to tlhe Property
<br /> which may attain priority over this Seturity Instrument. and leasehold payn�ents or ground rents,if any. Borrower shall pay
<br /> these obligations in the manner provIded in paragraph 2,or lf not paid in that manner�$onower shall pay tlxm on time directly
<br /> to the person owed payment. Fsorrower shall pmmptly furnish to Lender aA noticas uf amounts to be pald wdcr this paragruph.
<br /> If Borrower makes these payments directly,Borro�ver shall promptly furnish to Lender receipts evidencing'thepayments.
<br /> Bonower shall promptly discharge any lien whi¢h has priority over this Securiry Instcument unless Borrower:(a)egrees in
<br /> wi�iting to the payment of the ubligation secured by the lien in a manner ucceptable to Lender; (b)contesu ingood fa�th the Iten
<br /> by. or defends aguinst enforcement of the lien in, legal proceedings which in the L.ender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the licn an agrecment sutisfactory to Lendor subordinating the lien to
<br /> this Security Instrument. If I.ender determines that uny part of the Property is subject to a lien which may attain prioriry over
<br />, this Secw7ty Instrument, Lender mny give Borrowcr u notice tdentifying the lien. Borrower shall satisfy the lien or take onc or
<br /> moro of the actions set fonh above wlthin 10 days of the giving of notice.
<br /> Fam 3028 8l80
<br /> Ppe 2 oe 6
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