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<br /> TUG�'fHG{2 WITII +dl thc impriwcments now on c�renftcr erectcd on thc property, unJ all cascmcnts,uppunenanccs, und
<br /> fiKtures nuw ��n c�rcaflcr u pan i�f thc praperty. All rcplacements nnd uJditions sh�+ll ulsn lzc cnvcrcd by this Sccurity
<br /> Instrument. All of tl�c furcgoing is rcfcrral to in this Sccurity Instrument as thc "Properry."
<br /> BORROWER COV�NP.NTS that Bormwcr is[uwfully scisal of thc etitnte hcrcby runveycd and has the cight to grant und
<br /> ronvcy die Properry tmd that the Pro}xrty is unencumbered, except for encumbrunces of record. Borrower warrunts a�x1 wlll
<br /> defend generally the tiUe to the Propeny ubuin,i u!1 c�aim+und demands,subject ro:iny enrumhr.mces nf Tecord. �_
<br /> THIS SECURITY INSTRUMENT combines uniform covenants for national use and non•uniForm cavenams with limital
<br /> ' variations by juriuliction to constitutc a uniform sccuriry instrument covcring rcid property.
<br /> UNIFUItI�d COVENANTS. Horrower and Lcnder covenu�lt and ugrcc ns follaws:
<br /> 1. Poyment af Ih�inclpwl and Interest; Pre{x�ymeni and Ls►te ChArges. Borro�vcr shall prom�+tly pay whcn duc thc
<br /> principal of nnd intcrest on the debt evidcnccd by the Note and any prepayment nnd 19te charges due uncier thc Note.
<br /> 2. Funds for Taxes and insurunee. Subject to applicable la�v ar to� written waiver by L.t:nder. Borraw•er shall pay to
<br /> [,ender on the day rnonthly payments are due under the Nate,until the Note is paid in fiill,n sum("Funds")for:(n)yearly taxes
<br /> and asscssmate.�which may attain priority aver this Securiry[nstrument as a lien on the Pmpercy: Qbl YeadY�easch°��Pa9ments
<br /> or Uround rents on tlie Property. if any;(c)ycarly hazard or praperty insurance premiums;(d) yenriy iloocl insurance premiums,
<br /> if any; (e)ye:►rly mortgage �s�rance prcmiums, if any: and(�any sums payuble by Borrowcr to Lcn�er, in xcarclance with
<br /> tt�e provisions of paragraph 8.ir lieu af the pAyment of mongage insurance premiums.These ite�ns are calted"@scrow Items."
<br /> L,eitder may. at a�ry time, col:ex:t and l:a;?�1 F•;.nds in an amount not to exceed the maximum amount a lender for a federally
<br /> rclated mortga�e loan may raquire EeR��Rra�•����s escrow Account under the falerul Rcal L�statc Scttlement Procedures Act�f
<br /> 197d us�unended from tiine to time, �2�•�.'C- �ec=-�n 260L e�seq. ("RE5PA"). unless another law that applies to the Funds
<br /> sets a lesser amount. If so, Lender may, at�:.�t`.r��,c��?[ece and hold Funds in an amount not to exceed the lesser amount.
<br /> T.ender may estimate the amount of�cne_"•s due on t�ce Eccsis of current data and re�asonable estimates of expenditures of future
<br /> Esetow items or otherwise in acwrdacic�:��eh apptieabte law.
<br /> The Funds shall be held in aa i:��t�cution wfnnse deposits ure iasurec! by a federal ugency, instrunzemality, or entity
<br /> (including l.ender,if I.ender is such an ir.stitution}or in any Federal Home Loan Bsnk• L.ender shull epply thn Funds to pay the
<br /> Escrow Items. Lender�uLSy nat charge Borrower for holding and applying the Funds,annually analyzing the escrow account,or
<br /> verifying the EscroW�Iten�s, unless Lender pays Borrower interest on the Funds and upplicabl�law permits Lender to make such
<br /> a charge.However, Gsnder may require l�unower to pay a one-time charge for an independent real estate tax eeporttng service
<br /> used by I.ender in cnnnection with this loan. unless applicable law provides otherwise. Un[ess an agreement is roade or
<br /> applicable law requires ir�ccrest to be paid,l.ender shall'not be requical i�Nay�r.:,�:.r�:� ;.".:er-"�"•Qr�a�min.00g nn the Funds.
<br /> lioaower azxl L.cnder au►y agree in writing,however,that interest shalt be paid on►he Funds,I..ender shall give ta Borrower.
<br /> without charge,an annua4 ac,�ounting of the Funds,showins credits und debits to the Funds and the purpose for which each
<br /> debit to the Fue�ds was made.The Eunds are pledged as odditianal security fur uli sums secured by this Saurity Instn�ment.
<br /> If the Fuseds held by Lender exceed the nmounts permitted to bc held by ap�licable law,Lender shall accaunt to Borrower
<br /> for tho exceas Fe:nds in accordance wtth fhe tequirements of applicable law. If the amount of the Funds held by Ixnder at any
<br /> rimc is noc sufficient to pay:hc Escrow Items when due. Lender may so notify Borrower in writiog,anri,in such case Boc'ro�ver
<br /> shall pay ta I.ender t�e amoiwt necessary to make up the deficiency. Borrower shull make up the deficiency in no mor�thun
<br /> twelve monthly payments.at i.ander's sc:ie discruinn.
<br /> IJpuM puyment in fit4E mf tili su�cs secureA by this Security Instn�mtnt. Lender shall promptly refund ro Horrower nny
<br /> Funds held bp Lender. (f.-under parag�aph 21.Lender shall z+cquire or sell tht Property,l.ender. prior to the acquisition or ccaale
<br /> of the Property,shall appSy a��y Funds held by Lender ut the time af acquisition or sale as a crodit against the sums secured by
<br /> this Security Instrument.
<br /> 3.Applkation oi Payments.Unless applicable law p►ovides otherwise.all payments received by Lender under paragraphs
<br /> 1 and 2 shall be applied: first, to any prepaymcnt charges c ue under tlie Notc; sccond,to amounu payable uncler paragraph 2;
<br /> third,to interest due;fourth,to principal due;and lasc,to any late churges due under the Nota,
<br /> 4.Clwrges; Llens. Botrower shall pay all taxes. assessments,chazges, fines and impositions attributable ta the Property
<br /> whtch may attain priority over this Sccurity Instrument,and leasehold p�yments or ground rents,if eny. �Aorrowes shall pay
<br /> t}KSe obligations in the manner provided in paragraph 2.ar if not paid in that manner,Borrower shaU pay them nn time directly
<br /> to the person owod payment. Borrower shall pmmptly fumish to Lender all notices of amounts Yo be paid under this paragraph.
<br /> If Borrower makes these payments directly,Borrower shnll prompt4y fumish to Lender receipts�vldencing the payments.
<br /> Borrower shall promptly discharge any lien wliich has priority over this Security Instrument unless Borrower:(a)agrces in
<br /> writing to thc payment of the obligation scrured h,y the lien in a manner xceptable to Lendcr;(b)wntests in goad fulth the lien
<br /> by, or defends against enforcement of the licn in, legal proceedings which in the L,ender's opinion operate to prevent the
<br /> enfonxment of the licn; or(c)secures from the holder of the lien:u►agrcement satisfactory to Lender subotdinating the lien to
<br /> this Security instrunxnt. If[.endcr determjnes that any part of tt►e PropeRy is subject to a lien which may attain priority over
<br /> this Securiry Instrument. Lender may bive Borrower u notice identifyin�the lien. Borrower shatl satisfy ttie lien or take one nr
<br /> more of thc actions set forth above within 10 days of the giving of notice.
<br /> _ Form 3028 8/90
<br /> Ppe 2 0�8
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