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<br /> t'95-1043�i2
<br /> T0C3B'1'H8R W1TH nll thc impravementa now ar heret�Rer erectal an the property. snd�11 eusement�.npputtenunccs.and
<br /> tixturc.w now or hereufter a pan of the properry. All replacemen�w nnd addttfons shall ulsa be c�weral by thie Securlty
<br /> lnstrument.Ali of the farcgofng ia rofcrred ta in this Secudty Insttument us the"Pragcrty."
<br /> BQRROWER COV�NANTS that Borrawer is Inwfully sels�xl of the estute liereby conveycd und hay the right ta g�ant nnd
<br /> cnnvey the Property und thut the Praperty !e unencumbered. except far encutnbrancc�uf rccard. H�rruwcr wurruntx und wiil
<br /> defend generally the dtle ta tho Propeny uguinst all clalms an�i demands,hubJect ta Uny encumbrlarccw uf rccnrd.
<br /> TNIS SBCURiTY INSTRUM�NT cambine�unffarm c�vennntw far nntlonal use und nun-uniform cavenunte with limitod _
<br /> varfAt(u�tis by judsdlctian ta cAnstiwtc u unifarm secudty instrument covering rcnl�mperty. ,
<br /> UNIFORM COVENANTS.Borrower and Lender covenant nnd ngrce as fallawe:
<br /> !. Payment ut Principai and Intemsl; Prepayment atd Late Chsrg�. Bormwer ehall pramptly puy when duc tha
<br /> principal af end interest or►the debt evidenced by the Note und eny prepayment und late chargcw due ander the Note.
<br /> 2. F�utds for Taxes and Inyurence. Subjcct ta applicable tew ar ta u wdtten wniver by Lender. Barrower Rh�11 pny to
<br /> L.ender on the day monthly payments are due under tho Note, until the Note!x paid in fup.a sum("Funds")for:(a)yearly uuces
<br /> and assessme�ts which may uttain pdodty over thls Securiry Instmment as a lien on tho Propecty;(b)yearly leasehold payments
<br /> or gmur�rents on the Property.if nny;(c)yearly hazard or pmperty insurance prcmlums:(d)yearly flood insurance premfums.
<br /> If any;(e)yearly mortga�e insurance premiums.if any; and (�any sums payable by Borrower ta Lender.in accordance with
<br /> the provisions of paragtaph$. in lieu of the payment of mortgage insurance premiums.These ltems ac+e called "Escmw Items."
<br /> Lender may. at any time.collect and hald Funds In an amount not to exceed the maximum amount a lender for u federally
<br /> related mortguge loan may require for Bocrower's escrow accaunt uteder the federal Real Estate Settlement Proce�iures Act of
<br /> 1974 as amended from time t�tlme. 12 U.S.C. Sec*.ion 2601 ei seq. ("RESPA").unless another law that applies to the Funds
<br /> sets a Iesscr amount. lf so, Lender may. ac any dme, caitect and hold F�nds in an amount nat to exceed the te.gser amount.
<br /> Lender rrwy estimate the amount of Funds due on the basla of current data and reasonable estimattes of expendituc+es of future
<br /> �cow Items or atherwise in accocditnce�vlth app!leable law.
<br /> The Fands shall be held in an Institudon whose deposits are insured by a federal agency. lnstrumentalIty, or entity
<br /> (includin�I.ender.If L.ender is such an institutlon)or ln any Fe�lersl Home Loan Bank.I.ender shall apply the Funds w pay the
<br /> Escrow Items. Lender may not charge Borrower for holding and applying the Funds,annually analyzing the escrow account.or
<br /> vedfylns the Fscrow Items,unless i.ender pays Borcower lnterest oa the Fw�ds and applicable law permita Lender to mak<s such
<br /> a charge. However.Lender may require Borrower to pay a one-dme charge for an independent real estate tex reporting service
<br /> used by I.ender ln oannection with thfs toan, unless applicable law provides otherwise. Unless an agreement fa made or
<br /> applicable law requires interest to be paid. I.ender shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> Borrawer and I.ender:nay a�ree in wrldng.however,that Interest shall be patd on the Funds. I.ender shell gtve to Bormwer,
<br /> witiiwt charge, an annuat accow►ting of ihe Fw��s.shuwIng crbdits aad �tbit�ta slse Funds snd tt:e pts�ose for whir.h each �
<br /> debit to the Funds was mede.The Funds are pledsed as additional secwity for all sums secured by this Sectutty Insuument.
<br /> If•the Funds held by Lender exceed the amounts permitted to be held by appllcabie law.I.ender shaU accouat to Horrower
<br /> for ihe excess Funds in accordence wiW the requirements of appllcable law.If the amaunt of the Futtds held by Lender at any
<br /> tirtie is not sufficient to pay the Escrow Items when due.Lender may so nodfy Bomowcr in writing.and.in such case Borrower
<br /> ahaq pay to L.end�r the amount neoessary to make up the deficiency. Borrower shall make up the defIclency in no more than
<br /> twetve monthly paym,enu.at Lender's sole dIscrction.
<br /> Upon payment in fnll of all sums serured by this Secnrity Instn�ment. I.ender shall promptly refund ta Boaower any
<br /> Fuads held by Lender.If.under paragraph 21, Lender shall acquire or sel!the Property, I.ender.prlor to the acqulsition or rsale
<br /> of the Property,shall apply any Furtds held by Lender at the dme of acquisitton or sale as a credit against the suma secured by
<br /> this Securlry Insttument.
<br /> 3.Appltcadon of PaymeMs.Unless applicabte!aw pmvides otherwise,ctil payments received by Lender under paragmphs
<br /> 1 and 2 shall be applied: first,to any prepuyment charges due under the Note;second,to amounts payable undcr para�aph 2;
<br /> third.to interest due;faurth.to pqncipal due;and last,to an,y late charges due under the Note.
<br /> 4.Chat�es;Uene. Borrower shall pay al!taxes,assessmenta,cht►rge�, fiaes aad imposftIons atMbutable to the Property
<br /> whtch nwy nttain prtorlty over thIs SecurIty instr�ment. and teasehold payments or ground rerae, if any. Bornower shalt pay
<br /> these obligadons in the m3nner provided in paragraph 2,or if not paid In that manieer,Borrower shell pay them on time directly
<br /> to the person owed payment. Borrower sha11 promptly furnish to Lender al!notices of amounts to be paId under this pacageaph.
<br /> If 8orrower makes these payments directly.Borrower shatl pmmptly fumish to Lender receipta evidencing the payments.
<br /> Aorrower ahalt promptly discharge any lion which has prlotlty over tlils Security Instrument unless Botrower:(a)agrees in
<br /> writing So the payment of the obligation secured by the lien in a manner acceptable W Lender;(b>camests in good faith the lien "
<br /> by. ar defends against enforcement of the lien in. Ieg�l proceedings which !n tha Lender's opinlon operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the lien an a�ment satisfactory to Lender subardinnting the lien to
<br /> dds Securiry Insuument. If L.ender deterailnes that any part of the Property Is subject to a tien which may attain pr[ority over
<br /> thia Secudty Instrument, Lender may give Borrower a notioe identifying the lien.Borrowcr shatl satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the glvjng of notice. •
<br /> �
<br /> Wrm 3028 9180
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