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<br /> TOOETHBR WITH ull the improvcments now on c�reaRer erated on the property,and ull eascmentn.appurtenunccw.and
<br /> flxtures now or. hclt�tiftpr u purt af the pruperty. All ceplacements ured additionx shnll ul�o be coversed by this Secudty
<br /> Instrurnent.Alt,af.t��fUregoing iR refened tn in thig Secudty Instrument us the "Property."
<br /> �nRttQWG�lL�OYENANTS that Borrower ia lawfutly sciaed uf the estate hereby canveycd and hus the right to grunt und
<br /> convuy thv Property and thut the Property ia unencumbere�. except for cncumbrances of rerord. Horrower wurmnta And wiQ
<br /> defend genamtly the title to the Property against oll claims and demands,subject to uny encumbrance�of record.
<br /> THIS SECURDI'Y INSTftUMENT combines uniform covenanus for nutionul usc and non-uniform covenanta with timited
<br /> vnrfattons by jurisdiction ta conatttute n unifarm secudty instrument cover�na ma1 property.
<br /> UNiFORM COVENANTS.Bonower and Lender covenant and ngree as follows:
<br /> l. E'�►yment of Prinatpal and Interest; Prepuyment und I.nte Chatges. Borrower shall prompsIy pay when due the
<br /> principat.of nnd interest on the debt evtdenced by the Note ared any pvepayment and late charges due under the Note.
<br /> 1'.�tndA for TaXes► and Insurnrtce. Subject to applicable law or to a wrltten weiver by Lender, Bomawer shalt pay to
<br /> L.endar on the duymanthly payments are due under the Note.until the Note is paid in full.a sum("Funds")for:(a)yearty ta�ces
<br /> and tsssqssi►tants whlah�mpy attain prIodty over thls Secudty Instrumant as a lien on the Property;(b)yearly leasehold payments
<br /> or gtqund rentx on the Ptnperty,if any; (c)yearly hazard or pmpe»y insuranoe premiums;(d)ycarly ftood insurance premiume,
<br /> if any;.(e)yearly mortgage in&ut�Ge pxemjums. if any;and(�any sums payable by Borrower to Lender. in accordence wlth
<br /> the provisiqns of parsgmph�8;'in.lteu of the payment of mortgage 3nsurance premiums.These items are cnlled"Escrow Itema."
<br /> Lender may� at any time. collect and hold Fuads in an amount not to exceed the maximum amount a lender for a federally
<br /> mlated mwtgnga I�.un•may require for Borrower'a escrow accova�t under the federal Real Estate Settlement Procedures Act of
<br /> 1974 rtA qp�ended fnom•Nme to ttme, 12 U.S.C. Sec:tirn 2601 Pt seq. ('RESPA"), untess another law that applies to the Funds
<br /> sets a�tpst,o;r amaunt.If so. Lender may,at aqy pme, collect an�hold Funds in an amount not to exoeed the lesser amount.
<br /> I.ender itti�y estimats the amount of Funds due om the basts of current data and reasonable eat�mates of expendituc�es of fuwre
<br /> Eszrow Items or ot6envtse ia accordance with applicable iaw.
<br /> The Funds shalt be held in an insutution whose depostts az�e insured by a fedetal agency. Instrumentality,or endty . •
<br /> (including Lender.if Lender is such an institudon)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay.thB
<br /> Escraw Items. L,ender may not charge 8orrower for holding and applying the Funds.annually enalyzing the escnow account,or .
<br /> verIfying the Esrrow Items.unless L,ender pays Borrower interest on the Funds and applicable!aw permits Lender to cnake suoh
<br /> a charge.However. Lender ma�y requlre Borrawes to.pay a one-time charge far an independent real estate tax reporting service
<br /> used by Lender in connectlon wlth this loan, yaless appllcable law provtdes otherwise. Unless an agreement is made or
<br /> a�►pliraQte law requires tatemst to be paid,Lender shaU not b�required to pay Borrower any interest or eamings on the hl�nds.
<br /> Bomaon ar and Lencler may agree!n wrlting, however.that jntcrest shall be paid on the Funds. L.ender shall give to Botrower.
<br /> without charge. an annua! axount�ng of We Fluatls�showin�credits and debits ta the Funds.and the purpose for whIch each
<br /> debit to the Funds wus made.The Funds are pledged as additicmal securiry for all sums secured by this Secudty Instnrment. '
<br /> If the Funds held by I.ender eaoeed the amow�ts permitte�to be held by applicable law.I.ender shal!account to Bornower .
<br /> for the excess fi�nds tn accorda�c with the requi�+ements of apgfipble law.If the amount of the Funds heid by Lender at aay � .
<br /> time is not sufficient to pay the Esecativ Items when due.i.eader may so notify Borrower in wi3ting.aad.in such case Borrower
<br /> shall pay to Ixnder the amount neoeacary to rnake up the deficiency. Borrower shall make up tha deficIency in no more thaa
<br /> twelve montWy payments.at Lender's�sole dIscretion.
<br /> Upon payment in full of all sums sacwed by this Security Instrument. Lender shall pmmptly refund to Borrower any
<br /> Fuads held by Lender.If, under paragraph 21,Lender shall ucquire or sell the Property.Lender,prinr to the acqutsition or sale
<br /> of the Property.shall apply any Fuuds held by L,ender at the ti�e of s�cquisition or sale as a credit against the sums secur�d by
<br /> this Security Instcument.
<br /> 3.Appitcatbn of PaymeMs.QJnless applicable law p�vldes athenvise,all payments ceceived by Lender under paragraphs
<br /> 1 and 2 shall be app&cd:first. to any prepayment charges due under the Nota: second.w amounts payalslc under paragraph 2;
<br /> tuitd,3u�i�iriw-E�#iti;fciu�'iia,tv�itit�CIy�n2 daC:d�i3lmi,i�3 nesy IatC�I�argcs due tunlc.n ii�e Aluic. �
<br /> QC�'��arges;Ltens.Hormwpr ehaU pay all taxes.assessment�,charges,fines and impositions amibutable to the Pmperty
<br /> whic��ay�ttain priority over iliis 5ecurlty Insuument,aad lei►�ehold paymenu or grauad tents, if any. Borrower shall pay
<br /> Wese oti�ttons in the manner ptoirlded in paragraph 2,or If aot�aid in.that manner.Borrower shall pay them on time directly
<br /> to the person owed payment.Borrower shall prompdy fumish to I.eader al!aotices of emounts to.be paid under thts paragragh.
<br /> If Horrower makes these payments directly.Borrower shaU promptly furaish w Lender receipts evidencing the payraents.
<br /> Borrower shall promptly discharge any llen�which has prlorlty over this Security instnimem unless Borrower:(a)agrces in
<br /> wridng tp slte payment of the obligattoa secured 6y We lien in a manner acceptable w Lerider;(b)oontesta in good faith the Gen
<br /> by, or itefends a�a�mst enforoement of the lien in, legal prnceediags which in the Lender's opinion operate to prevent the
<br /> enforcement of the'Nen;or(c)secures from the holder of the IIen an agreement saf+sfactory to I.ender subordlnating the lien to •
<br /> this Sera�rtty Instnement.If Lender detem�ines that any part of the Pe+operty is autZjed to a lien which mey suain priority over
<br /> thfs Security Inswment,Lender mny give Bormwer a rtotice ident(fying the li�r�.Bomower shaU satisfy We lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> foRn 30Z8 8/80
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