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<br /> 95-� �.n�9Q0 I
<br /> 7'()OBTHBR WITH uli the improvementa now or hereaRer encted oa the prnperty. and alI easemeAts,appurtenancca.und
<br /> fixtures now or hereutter n Qnrt of �he property, All reptucements nnd additions shall Also be covered by thia Secudry �
<br /> Insttument.All of the forcgoing ia referred to in this Secudty Instrument as the"Property." �
<br /> BORROWER COVgNANTS that Borrower ie lawfully scised of the estate hereby conveyed and has the r�ght to grant and
<br /> convcy the Property and tlu�t the Property is uttencumbered,except for encumbrances of recard. Horrower warrants and wi11 '
<br /> defend senerally the titlo to tha Property ugainst all claima snd demands.subject to any encumbrances of rerord.
<br /> THIS SECURITY INSTRUMENT combines uniform covensnts for natlonal use and non-unifarm covonanta wIth limited
<br /> va�iutions by jurlsdictlan to constitute a uniform securitp instrument covering real property.
<br /> UNiFORfr•+COVEFI!'.Di1'S. BorroN:es an�L.esr,l�r covtstasst a:tc!agia a�fultows: -
<br /> 1. Payment of Pcinciiwl end Interest; Prepaymeut and Late Cbaeges. Borrower shall prompdy pay when dua tha
<br /> principat af and inter�t un the debi evldenced by the Note snd anY Prei�Yment and late chargc.w due uader tho Note.
<br /> 2.Funds for Taxes�uad Insurance.Su6ject to applicable law or to a wrltten waiver by I.ender. Horrower shall pay w
<br /> Lender on the day monttily payments are due uader the Note.undl the Note is paid tn tull,a sum("Funda")for:(a)yearly taaes
<br /> und essessments which may attain prlority over this Se�curity Ipswment as a lien on the Property;(b)YeartY leasehald payments
<br /> or ground rents on the Properiy.if ar�y:(c)Year1Y hezard or progerty insurarece premivals:(d)Yearly flcx�d insurance piemiums.
<br /> if eny;(e)yearly mortgage insurance premtums� if any;and(� any sums payable by Bonower to I.ender.ia�cxordaace with
<br /> the provlslons of paragraph 8,in tieu of the paymeas of mortgage insuranue premiums.These items are called"Escrow Iums."
<br /> i.ender may. at any time. collect and hold Fnnds in an amount not to excee�the meximum amnunt a lender for a federaUy
<br /> rclatc�mortgpge toan may require for Borrower's escrow axount under the federal Real Bssate Setdement Pmcedures Act of
<br /> 1974 fls amended from dme to time. 12 U.S.C.Section 2601 et soq. ("RESPA"),unless another law that applies to the Funds
<br /> sets a lesser c�nount. If sa. Lender may. at eny time. collect end hold Funds in an amouat not to eac�ct the lesser amount.
<br /> I.ender muy estimatc the araount of Funds due on the basis of current data and reasonnble estimates of expend3tures of future
<br /> Bscrow Items or otherwIse in accordence wlth appHcable law.
<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency. instivmentalfty. or entIty „
<br /> (including i.ender�if L.ender is such an institui�on)or in any Federal Home L.oan Bank.Ti.ender shall apply the Fnnds to pay the
<br /> Escrow Iiernn.I.ender may nat ahargc Barrowar far haklla�aad egglYlnS th�±F��ru►a,annualiy analyzin�the csemw account.or
<br /> ver�fying the Escrow Items. untess[,ender paya Borcowor interest on the Funds and applFcable law pern�its Lender to mako such
<br /> a cherge. However.L.ender may require Bare+uwer to pay a on�time cherge for an indepsndent real estate tex reporting servlae
<br /> nsed by Lender l� connection wlth this loan, ualess applicable law provides otherwise. Unleys an agrcement is made or
<br /> applicable law requires interest to be patd,Lender shall not be requimrd w pay Borrower aay Interest or�ngs on the Fw�ds.
<br /> gorrower and I,ender may agree in wi3tittg,however. that iat�mst shall be paId on the Fut�ds.'I:ender shali give to Borrower,
<br /> wlthout charge. an ann�al eacow►dm8 of the Funda, showing credlts and debtts to the fitnde and the puipose for which each
<br /> debit to tha Funds was made.The Funds ere plectgod as additional secu�ity for all sums securf;ct by�s Secudty Instruraent.
<br /> If the Fuads held by L.ender exceed the amounts permitted to be held by applIcsble law,I.ender shell a000unt to Hanower
<br /> for the exass Funda in accordanee with the rcquircmenta of eppUcubla law. If the amount of Wa Funds held by x.ender at aay
<br /> time is not sufticient to pay the Escrow Items when due.Lender may so notify Borrower In wrlttag.and,in such c�so Bormwer
<br /> shail pay to Lender the amount neoessary to roake up the defiaienoy. Borrower shall make up the defidency in no more than
<br /> ' twelve monthly paymeats.at I.ender's sole discredon.
<br /> Upon paycnent in full of all sums secured by thia Secudry Insuument, Lender shall promptly refund to Borrowar any
<br /> Funds held by Lender.If,under puragraph 21,I.ender ehail acqutre or sell the Property,Lender,prior to tho acquisYdon or sale
<br /> of the Proporty,shall apply ony Funds heid by Irender at the time of aoquisition ur sale es a credit against the sums securod by
<br /> �g�arnrj�yr Tgctn�mrnt.
<br /> 3.Appikation of IMymeats.Unless a�plicabie law provldes otherwire.all paymenta ccxeivod by L.endr,r under paragraphs
<br /> 1 and 2 shall be applied: first� to any prepayment charges due under the Note;seoond. to umounts payable under paragraph 2:
<br /> third.to Interest due;fourth,to p�iac3pal dae:and last.to any Iste cl+arges dua under the Note.
<br /> 4.Charges;Llene.Bocrower shall pay all texes.assessments.charges.fines and Impositions attributable to the Propeny
<br /> which may attein pr�oriry over thta Securlty Insttument, and leasehold payments ot ground rents. if tuty. Horrower shaU pay
<br /> these obligations in ihe mamur provIded in pAragraph 2.or if not paid in.that manner.Borrower shall pay them on time dim.ctly
<br /> to the person owe�payment.Borrower shatl prompdy flirnlsh to I.ender pll noNces of amounts to be pa�d under tMs'paragraph.
<br /> If Borcower makes these payments directly,Borrower shail prompdy furntah to Lender r+exipts evidencing the payments.
<br /> Borcower shall promptly discharge eny lien which has prtorlty over this Secudty Instnurtent unless Borrower:(u)agcees fn
<br /> wrtting to the payment of the obligation secured by che lten in a manner acceptable to L.ender;(b)cantests in good faith the lien
<br /> by. or defenda against enforcement of the tien in, legal procxeclings whIch in the [.ender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the lten an agreement satisfactary to Lender subordineting the Iten to
<br /> this Sec�uiry lnsnument. If Lender determines that any part of the Property is subject to a lien whtch may uttein priority over
<br /> thia Securiry Instniment. Lender may give Bnrrower a nottce identifying the lien.Borrower shall satiafy the lien or take one or
<br /> more of the actiona set forth above wtthin 10 days af the giving of notice.
<br /> Form 3028 8l80
<br /> Pago 4 of B
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