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<br /> �' RE•R�CORUtu •�g 5 ������
<br /> TIXI�THP.tt WITN ull �hc impr��vcnicntK now�n c�rcuftcr crected im tho pmprny,u�id oll cn+cmcn�w,i�ppurtcnunccti,uud
<br /> tixtures nuw ur hercuRer n Q�rt i►f tlk property. AU replucementy and udditiuns Rhull als�� hc ravered hy tids Securi��
<br /> Insirumcnt. All ciF tho fiuegoing is referrcd to in�hix Sccurity Inatrumem��.v tNe"Nr�iperty•" ��
<br /> F30RROW�R COV�NANTS thut Barrawer i�:lc�wfutly c;olncd of thc estnte hercby runveycat+u�d hns�hc right�a gnu�t und�1
<br /> cuuvcy th� Prupe�ty u��J thnt tl�e Praperty i� uncn�umb+:rut. except far encumbranres af rc�n+rcl. H+�rr���ver wurrunt�und wil�l/
<br /> defend generelly the titte ta tho Property uguinr�t ull ctaims und demanda.subject to uny cncun�bruncc�c�f rerurd. •'
<br /> THIS SECURITY INSTRU M�NT cambines unifimn��u�e�onts fi�r natianul use and nan•unifarm covenuntti with limitecw
<br /> vnrlations by jurisdictian to constitute u uniform security inctrument covering reul praperty.
<br /> UMFORM COVENANTS. Borro�ver und l.ender cavennnt and Agrce ux follows:
<br /> l. Pnyment af Prtncipal end Iater�di �Payment nad I.ate CharRes. Borrowcr shnll promptly puy when duc th
<br /> principal of aui Intarest on the debt evidenced by tho Note und nny prepuyment and late char�es due u�dcr the Note.
<br /> 2. Funds tor Taxes and Insutance. Subject to applicable luw or to n written walver by L.ender, Borrawer shall pay to
<br /> Lender on the day monthiy payments are due under the Note.untll the Note is paid ln full.a sum('Funds")far:(a)yearly taxes
<br /> and ussessments whtch may attain priadty aver this Security Instrument as a lien on the Property: (b)yearly leusehold paymenta
<br /> or groutd rent�on tho Property,if any;(c)yearly hazard or pmperty insurance premiums;(d)yeurly tlood insurance p�cmiums,
<br /> if any: (e)yearly mongage insurance premiuma,if any:and(�any sums payeble by Barrower to L.ender. tn accordance with
<br /> the provisions of paragcaph 8.in Iteu of the payment of mortgage insurance premiums.These items are called"Escrow[tems."
<br /> Lender may, at any time,collect and hold Funds in�amonnt not to exceod the maximum aartoamt a tender for a federaity
<br /> r�l�tcd mortgagc loa�may r^..quisc for Basrawcr's eecraw actonat undr►the federai Rral F�atP Senlement Prooedure.a Acc of
<br /> 1974 as amended from timc to tiane. 12 U.S.C.Section 2601 er seg. ("RESPA"). unless areaher law that applies to the Funds
<br /> sets a lesser amount. If so, l.eader may. at any time. collect and hold Funds In an amount not to eacettl the lesseY amount•
<br /> L.ender may estims�¢e the amount of Funds due on thc basis of current data and reasonable esdenates of expenditures of future
<br /> Bscrow Items or c►t��rwise in aocordance with�pplicable law.
<br /> The Funds shal! be held in an institut�on whosc dep�sits are insuced by a federal agenry. instrumentality, or entity
<br /> (Ra�clualin�I.cndes�if I.ender is such an insdtution)or in any Federal Home Lotu►Bank.I.ender shell apply the Funds to pay the
<br /> Esarow iter�s.l.enc�er may nat charge Borrower for holding and applyins the Funds.annually enalyzing the escmw account.or
<br /> verltying the Esrraiv Items,unless Lendar pt►ys Bormwer interest on the Funds and applicable law permits Lender to make such
<br /> a charge.However.L.ender may nquin�'3onower to pay a one-time charge for an indepeRdent real estate tax reportiag servtce
<br /> uSed.by Lender In connecti�n wlth ,thiis laan, unless appiicable iaw provides ora�envisc: linlcs� tUt nxit�2IA2iIi da nta�dc or
<br /> �pplicable law requires lnterest to 6e gaic0.Lender shall not be required to pay Borrower any intetest or carnings an iD�e Funds.
<br /> Borrower and Lender may agree in wriring,however.that interest sha11 be paid on the Funds. Lender shait give to Borrowcr.
<br /> without charge,an annuai accaunting of the�unds, showing crc�dits and debiu W the II�unds and the purpose for which euch
<br /> debtt to the Funds wns made. The Funds ane pletiged as additional secudty for all sums secui+eA by this Security Inspument.
<br /> If the Funds held by_Lender exceed the s+mounts permitted to be hetd by appiicable law,Lender shall accaunt to Borrower
<br /> for the excess Funds jn accordance wtth the mquirements of applicable law. If the amount vf the Fuads heid by i.ender at any
<br /> time is noi su�cient to pay the Escrow Items when due.Lertder may so notify Borrawer in writi�g,and.in such case 9orrower
<br /> shall pay to Lender the amount necessery to make up the deficIenCy. Borrower shall make up the deficiency in no rnore than
<br /> twelve monthfy payments.at Lender's sole discretion.
<br /> Upon puyment in fulf of ull sums scxured by this Secudty Insttument. Lender shall prompdy refund to Borrower eny
<br /> Funds hetd by Lender.If.under parngraph 21.Lender shall acquire or sell the Property.Lender. prior to the acquieition or sale
<br /> of the Property.shall npply any Funds held by I.ender at the tlme of acquisitIon or sale as a credIt ngainst the sums sexured hy
<br /> this 5e�cudty Instrumcnt.
<br /> 3.Appticattnn oP Pnyments.Unless applicable law provides oth.erwise.�ll payments reoefved by L,ender under paragraphs
<br /> 1 aad 2 shall be applted: first,to eny prepayment charges due undee the Note:second,to amounts payable under parngraph 2;
<br /> third.to interest due:fourth.to pdncipal due:and last,to any late charges due under the Note.
<br /> 4.Charges;Ltens. Borrower shall pay all tnxes,essessments, charges. fines cind imposidons attributuble to the Property
<br /> which may attnin priority over this Sec�rlry Inshument. nnd leasehold payments or ground rents, if any. Borrower shall pay
<br /> these o6ligations in the manrter pmvided in paregruph 2.or if not paid ia that manner,Borrower shall pay them on dme direaly
<br /> ta the persc►n owed payment. Borrower shall promptly furntsh to Lender nli notices of umounta to be paid under this paragcaph.
<br /> If Bornower m�lces these payments diroctly,Borrower shull promptly fumish to Lender c+eceipta evidencing the paymenu.
<br /> Bwrower shall promptly dischurge arry lien which hsiv priorlty over this Socurlty Instrument unless Borrower:(a)agrres in �,
<br /> wrltin�to the payment of the abligation secured by the Hen in a manner acoeptable to I.ender,(b)contests in�ood faith the lien •
<br /> by,or defertds ugainst enfomment of the lien In, legul praceedings whtch in the Lender's opinion operate to p�vent the '
<br /> enforcement of the lien;or(c)secwes from the hotder of the lien un agreement satisfactory to Lender subordinatins the lien to
<br /> this Security Instn►ment. If I.endtr determines that uny pact of thc Property is subjvct to u lfcn which muy attuin prtnrity over
<br /> this Security Instrument. Lender may give Borrower n notice idtntifying the lien. Borrower shall satisfy the lien or take one or
<br /> mare of the ustions set forth above within 10 dnys of the giving of notice.
<br /> Form 3028 8f80
<br /> vapp 2 ot e
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