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<br /> TO(}ETHER W[TH ull the improvcmentg now or heseafter ererted�n the ptapeny,and ul!easements,upp�:�x,�n►�id
<br /> tixtures n�w or hereufter n part af the property. All reptacetttents und additions sh�ll nlso ba covcred by this Security
<br /> Insmisient.Alt of the foregoing Ia referred to 1n this Seru�ity Instrument ns the "Property."
<br /> BORROW�R COVENANTS that Borrower is lawfully seised of thc atute hcrcby conveycd and ha+thc right a�grunt:tnd
<br /> mnvey the Property und thnt the Property fs unencumberai.except for encumbrareces of recani. Sonower wnrrunts und wil! ;
<br /> defernl generally the title to the Property agciinst all claims und demands, sub}cct ro any ertcumbrances of record. ':
<br /> THIS SECURITY INSTRUMSNT combines unEforrn covenants far nntionai use nnd non•unifurm covenunt.4 with limite�
<br /> v�tiationv by Jutisdictian to mnstiture n nniform security inswment rnverin�real property. �_
<br /> UMFORM COVENANTS.Barrower and l.ender covenant und ngree as follows:
<br /> 1. Pl�yment of Prtncipal end Interest; Prepayment and Late Charges. Borrower shall promptly pay �vhcn due the
<br /> principal of artd interest on the debt evidenced by the Note and any prepayment and lute charges due under the Note.
<br /> 2. �l�andv tor Tnxes unel 1nsw�amse. Subject to appiicuble law or to a written wuiver by Lender, Borrower shall pay ta
<br /> Lender an the day monthly payments ure due under the IVote,until the Note is paid in full.a sum("Funds")for:(a)yearly taxes
<br /> und assessmonts which may attain prlority over this Security Instcument as a lien on the Property:(b)yearly leusehold payments
<br /> or groand rents on the Property,if any;(c)yeutly hazard or property fnsurance premiums;(d)yearly flaod insurance premiums.
<br /> if any; (e) yeurly a►ortgage insw�arcce premiums.if any;and(�any sums payable by Borrower to L.ender,in accordauce with
<br /> ttte provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums.Thrse items are cx�lled"Escrow Items."
<br /> Lenrder may,at eny time. collect and hold Fuads in an amount rtot to exce�l the maximum amount a lender for a fecleraUy
<br /> nlatcd mortga$e loan may require for Borrower's escrovsr 3ccount under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amended fram dme t�d�ee,12 U.S,G.Section 2601 et seq. ("RESPA"), unless another law that applies to the Funds
<br /> seu a Eesser amowtt. tf so,Lender may,ai Any''timc,coftcct and hold Funds in an amount not to exceed the le.sser amount.
<br /> Lender may estimate the amouat of F�S:tiue.an the basis of curnnt data and reasonable estimates of expenditures of future
<br /> Escrow Items or otherwlse ln acoordance�vith applicabte law.
<br /> The Fun�s shatl be held In an InSt�qti4i�n whose deposits are insured by a Eeuesal agency. insm�mentelity, or entity
<br /> (including Lendet.if L,ender is such an,ins¢itutio'a)or in any Federal Home Loan Bank.�Lender shall apply the Funds to pay the
<br /> Escmw Items. Lender raay aot charge Bom�wer�for holding and applying the Funds.anaually analy�in$the escrow ecxount,or
<br /> verefyin$the Bsqrow Items,unless I.endei pays�onower tnterest on the Funds and applicable law permits Lender to raake such
<br /> a charge.However,Lender may require Borrnwer to pa��•�one-time�harge for an tndependent real estate te�c reporting sen�ict
<br /> used by Lender in connection with this loan. unless applieable law pmvides otherwise. Unless an agreement is made or
<br /> appltcable Iaw rqqu�nes interest to be paid.Lender shaU not be required to pay Bomower any interest or eaminga on the Fuicds. ,
<br /> Borrower and k`.ender may agree in writing.-however.tbat lnterest shall be paid on the Funds.Lendet shall give to Borrower.•
<br /> t:�lkostt etsssge*'.aA.�stt�l�Lit�g v.f 4aQ Fyssds, shu�g zre�its�debis t�it►e F��n��?� t�r.ru�x�.ce f�r which eacli, '
<br /> '� debii to the Funds was made. 'The Funds are ptedged as additiunai,�xurjty for aif siira5.s�cured bY this�xvritY InsMutttat.
<br /> If the Funds held by Latulei exceed th�umounis permitted to be heid by applicabie lsw. Lender shall acoount ia Barrower
<br /> foi'•the excess Funds in eceb;daaCe with the t�equiiements of applicable law. If tfie'.�mmount of the Funds held by'�L,�nder at any
<br /> ' tipte is aot su�cient to pay 1�e�scrow Tt�ms when dne.Lender may so nodfy�orrow$r,ii�writirig, and.in such c�se Borrower
<br /> s1�11,�ay to Lender the amowtt neoesS�ty to make up the deficiency. �oreawer st�al!m8ke up tl��;de�ioiency in no more than
<br /> pve�v�monthly paymenls,a�•3:e�tlsr's sot�tlisCredon. . ,. . ' . •.
<br /> �;.4 ;YJpon pa}r�nent in full of all sums secured by this Secudty Instrumettt� I.e�der shaU pmmptly refumd W�Boriower any
<br /> FUnds held by i,ender.If, uader paragraph�1.Lender shall acquire or sell th�,�Pmparty. L.ender.prior to the asquisiqon or sale
<br /> . of the Property.shall apply any Funds held by-I.ender at the time of acguisidab or sale as a credit against the sums sec�red by
<br /> this Security u►&wment. . �
<br /> 3.AppAc�ttion oi Ps�yaacnts.Unless applieable law provides othenuise,.all p�y�nts recelved by I.ender uttde�paragraphs
<br /> 1 aad 2 shall be applied: first,w any prepayment charges due under the Note;'second,ab amounts payable under paragraph 2;
<br /> third,to interest due;fourth, to prinaipal due:and last,to any latc charges due ut�der ihe Note.
<br /> � 4.Cihar�e�Lienc. Bornower sha!(pay all taaes,assessmenu,c6asges�,fine's and iinpositioas attributable to the Property
<br /> which may attain priority over this Security Instrument, and leasehold payments or grpund rents, if any.Borrower shall pay
<br /> these obligations in the manner prnvlded in paragraph 2.or if not patd in that manner.Borrower shali pay them on time direcxly
<br /> tq�iho person owod payment. Borrower shalt promptly furnish to L.ender all notIces of aanounts to be paid under this paragraph.
<br /> It Borrower makes these paymeats diraxly.Borrower shaU promptly fnrnish to I.ender receipts evidencing the paytz�ents.
<br /> Bomower.:s1ia11 prompdy discharge any tien whic6 has prlority over this Security Insmmaent wnless Bomower: ta)agrees in
<br /> writing to the p�ytnent of the obligatIon secured by the lien ia a manner aaeptable to Lend�r:(b)oontests in good faith tbe lien
<br /> by. or defends;against eufoncement of the Gen in. legal proceedings which in the Lender's opinion operate to prevent the
<br /> ea�forcemene of the lien;or(c)secures from the holder of the lien an agrcement satisfactory to Lender subordinatiag the lien to
<br /> this Secvrity Insttument. If L.ender determines that any part of the Property is subject to a l�en which may attain�riority over
<br /> thIs Security Insm�ment. Lwtder may give Botrower a aotice identifying the lien.Horrower shal!sadsfy the lien or mke one or
<br /> more of the actions set foith above�vithjn 10 deys of the giving of nottce.
<br /> Wsm 5028 9/80
<br /> Pepo 2 Of 8
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