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<br /> "I'(X;�'PHfR WITH uU thc impr�wcnxnts rn�w or ber�aRcr ercct��d on thc pm�xny, und nll ra.rcnunts,uppurtenunccs,a�xf
<br />, tix�urc, iu►w un c�rcuflcr n part of Uu pru�xrly. All rcplaccnunts nnd c�dcliticros �hall ;dso hc ravcred Ny this Sccurity
<br /> In,uumcnt. AU ut th_turcgmng iti rc�crrc�l to tn tltl�ticruri�y Instrunxnt u�;Ihc "1'rupcMy."
<br /> IipItRQWIiR CQVFiNANTS that E�orrowcr is luwfully scisccl uf'thc esUUC hcrcby co�rvcycd and hus thc right ti�gr.int i►ncl
<br /> convcy Ihc F'roperty cuxi that thc Property is uncncumlx�mJ, cxccpt for cncumbrnnces i�f rcci�rd. l3�irrower wurrnnts iuxl will
<br /> defcnd gcncrally thc tiUc to thc Pr��perty ag:iinst.dl cluims wxt detnu�xis,,ubJcct to uny cncumbranres of record.
<br /> THIS SECURITY INSTRUM�NT a�mbines uniform �Y�vcnauls for nutiu��al utic nnd nan•uniform c�ivcnantF wfth limitai
<br /> variutions by j�iriuliction ti�constitutc u unifonn securlty instrumcnt rnvc�ing rcul pm�xny.
<br /> UNIFORIv1 CQVENANTS. tiarrower and Lcnder cavenant mxi ugrce us fi�llows:
<br /> 1. I'Ayment of PrincipQl wnd Inter�t; Prepwyment ond I.Ate CharRes. Eiorcowcr +hall promptly puy wlicn duc the
<br /> princip:d��f and intercst on the ckbt evidenceci by the N��te und uny prepayment anci late charges due uoder the Note.
<br /> 2. Fuadc tor T�xe.v und Iasur4uce. Subject to applicable law or to A written waiver by L.ender, Horcower shall pay to
<br /> l.cixier on thc day nxynthly payn�ents nre due uncier thc Note,until thc Notc is paid in full.a sum("Furxls")for: (a)yca�ly tax�s
<br /> and asses�ments which may attuin priarity over this Security Instrun�ent us u lien on the Property; (b)yearly leauhald payments
<br /> or ground rents on the Praperty,if any;(c)ycarly hazard or prupeny insurance pmmiums;(d)ycarly flcx�d incurance prcmiums,
<br /> if any; (e) ycarly mong�ge iitsurance prcmiums, if any; nnd(� any sums pay:�ble by BnrroK•er ta Lr.ndcr, in accordance with
<br /> the provisions af paragraph 8, in lieu of the payment of mortgage insurance prcmiums.Tliese items are called "Escrow Items."
<br /> L.ender may, at any time, collert and hc�ld Funds in an amount not to exceed the maximum amount a Iender for u federally
<br /> • releted martgage Ic�an may rcquirc for F3orrawer's escrow account undcr the fcdr.ral Rcal Estaie Settlement Procodures Act of
<br /> 1974 as umcnded frcim time to time, 12 U.S.C. Scction 2601 er seq. ("RESPA"),uNess another luw that appliss to the Funds
<br /> �ts a iesscr amount. If so, l.ender mny, at any timc, rnllcct and h�ld Funds in an amount not to exceed the lesser amount.
<br /> I.ender may estimate:he amount of Funds due on thc basis of curcent data and reasonable estimutes of expenditares of futurc
<br /> Escrow Items or othcrwisc in accordancc with Applicabtc lnw.
<br /> The Functs shall bc held in an institution whose deposits are insured by a fcderal agency, instnirmntality, or entity
<br /> (including [.ender,if I.ender is such an institution)ar in any Federnl Home Loan Bank.Lender shatl apply the Funds to pay the
<br /> Escraw Items. Ler►der may not chargc Borrower!or holding and applyin�the Funds, annuallv analvzin¢the escrow accoune,or
<br /> verify�ng ehe Escmw Items,unl�ss Ltnder pays Borrrt�ver interest on the Funds and applicable law permits Lender to make such
<br /> a charge. I.owcver, i.endcr n•,::; requite BorroweT to pay a one-time charge for an irxlependent rersl estate tax rcpc�ning servia
<br /> used 63• L.cnder in conncction with this loan, unlcss applicable law provides otherwise. Unless an agrament is made or
<br /> applicablc law rc,quires interest to t>e paid,[,ender shall not be rcquircd to pay Borrower any intcrest or eamings on the Funds.
<br /> Botrower and Lendcr may agree in writing, however, that intcres�shall be paid on thc Funds.L.ender shall givc to Borrower,
<br /> without charge, an annual aocounting af the Furxis, showing crediu and dcblts to the Funds and the purpose �'or which each
<br /> debit t�the Funds was made.The Funds are pledge.Q as additi�nal security for all sums secured by this Security Insttument.
<br /> If the Funds held by Lender exaod the amounts permitted to be held by applicable law, Ltnder shall account to Borrower
<br /> for th:,excess Funds in acwrdnnce �vith thc requirements of applicable law. If thc amount of tfir, Funds held by Lender at any
<br /> tinx is not sufficicnt to pay the Hscrow items when due,Lendcr may so notify&�rrower in writing,and,in such c�e Borrower
<br /> shall pay to I.ender the ar�wunt necessary tu make up thc deficiency. Bomower shall make up thc deficiency in no more than
<br /> twelve monthly payments, at Lender's sole discretion.
<br /> Upon payment in full of alf sums sexured by this Security Inst�urnent, [.endcr shull promptly rcfund to Rarrower any
<br /> Funds held by Lcnder.If, under paragraph Zl, Lender shall acquire or sell the Property,Lender,prior to the acquisition or sale
<br /> of the Aropeny, shull apply an}�Funds hcld by Lender at the time of acquisition or sale as a credit against the sums sxnroci by
<br /> this Sccurity Instrument.
<br /> 3.Applicatlon of Paymrnts. Unless applicable law provides otherwise.all payments roaived by I.�;nder under paragraphs
<br /> 1 and 2 shsll be appliad: first, to any prepayment charges due ainder the Note; sxond,t�amounts payable under paragreph 2;
<br /> third,to interest due; founh,to principal due:and�ast,to any late charges due under the I�iote.
<br /> 4.Clwrgp; Llens. Borrowcr shall pay all taxes, assrssments, charges, �ncs and impositions attributahle to thc Properry
<br /> which may attain priority over this Security Instrument, and leasehold payments or grtwnd rents, if any. Bornower shall pay
<br /> these obligations in thc manner provided in paru�r.aph 2,or if not paid in that manncr. Borrovver sl�all��y thcm on timc diroctly
<br /> to the�erson uwod payment.Borro.ver shall pmmptly furnish:m Lender all notices of am�tmts to be paid under this paragraFh.
<br /> If Barrower makcs thesc pnymcnts viroctly,Borrower shall promptly fumish to Lendcr rec:eipts cvidcncing the payments.
<br /> Borrowcr shall promptly discharge ar�y lien which has priority over this Security Instrument unlcss Borrower:la)agrees in
<br /> writing to the payment of the obligation securc�d by the lien in a manner ac�eptable to Lender;(b)contests in good faith the lien
<br /> by, or defends aguinst cnforccmcnt of the licn in, legal p�+oceedings whirh in tlte [.cixter's opinion operate to pt�event the
<br />. enfor�enent of the licn;ur(c) secures from the holder of thc licn an�groement satisfactory to Lcndcr subordinating the lien to
<br /> this 5c:c.:�:izy Ins••�ement. if l.ender determines that any part of the Pmnctty is subject to a iicn which may attain pria�aty over
<br /> th�s Scrurity Instrumcnt, L.ende�c may givc Borrowcr a notice idcntifying the lien.Borrower shall sati,fy thc licn ar takc one or
<br /> more of the actions set fonh above within IO days of the giving of notice.
<br /> Form 3028 9/90
<br /> Pp��of B
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