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<br /> TO(3�THER WITH aq tt��impeoveu�euta�tow or hereafter erected on tfic property,and nll ebsemen�s,uppuncnances. und
<br /> �atures no�v on c�reafter A patt, of the property. All repincements and ndditions shn11 also be rnvered by this Sccurity
<br /> lnstrumcnt.Atl of the Fomgain�}is referrod ta in this Scxuriry instrument ns the"Prapeny."
<br /> BORROWBR COVBNANTS that IBorro�ver is lawfully seised of tha estute hereby conveyed and hos the right to gmnt and
<br /> crmxvy thc Property nnd that the Properiy i�uRCrtcumbcred. except for encumbn►rtces of record.Borrowcr wu►�rants nnd wili
<br /> dpfQttd gettemliy the tide ta the Pcapeny nguinst ull cluims npd demands.subject to any encumbr.uucs of rccani.
<br /> TW[5 SECURITY 1NSTRUMFNT mmb(rtes uniform covenants Far nuttanal us�and non-unilarm covenants aith limite�
<br /> vurintions by jurisdirtion to constitute a un{farm securiry instrument covedng real propeny.
<br /> UNI�ORM COVtdNANTS.florro�ver und Lender coven:�nt and ugrec as follotivs:
<br /> 1.Pwyment ot PrincipAl uad Interest; Pire}wyment ond Late CharRes. Borrower shall promptly pay when due the
<br /> principal of at2d ittterest on the debt evidenced by the Note and any pmpay�rtent and Inte chw�ges due under the Note.
<br /> 2.Ftinds for Ts�c�s aad Irtsuauece.Subject ta�pplicable law or to a written waiver by Lertder. Born�w•er stnall pay to
<br /> Lender on the day monthly payments are due under the Note,until the Note is paid in full.a sum ('Funds")far:(a)yeurl y taxes
<br /> and ussessments�vhich m�y attain priority over this Security Instrument as a ilen on tha Property;(b> yearly leasehold pay�nenta
<br /> or ground rent�on•tDe Property.if any; (c)yearly hazard or pmperty inFUr.ince premlums;(d)yearty flood insumnce pmmtuma.
<br /> if qnv;(e)ye:uly morigage iasurartce pmmiums. if any;anA(�any sums paynble by Horrower to Lender,ln accordance wIW
<br /> dt�pravistons of paiagrnph 8. in Iteu of the payrnent ot martguge insw�nce premiums.These ltems are callod "F�.ro�v Items."
<br /> Lemdar.may.at any ttme.mllect and hold Furtds in an umaunt nat to eacee�the msu�imum arnount a lender for n falerapy
<br /> reluteif mortgaAa ivan may c�equire for Banno�veP's escrow account under the federal Real Estatcs Setdement Procedures Act of
<br /> 1974 as amertdod from time to time. 12 U.S.C. Sectton 2601 et seg.("RFSPA").unless nnotURr L►�v that upplies to the Funds
<br /> sets a lesser amount.If sa. i�ander may.at any �me.oollect and hold Fmtds in an amount n�rt to exc,eed the lcsser emoum.
<br /> Le�der m�y eslimflte d��nmaiipt of Fn�rds dae on the basis of curcent datn nnd reusc►nnbla estiel�ates of eapendIcelres of fert�u�
<br /> E'scraw Items ari�uitcenvisc iti.tt000rdanoc.with uppl►cxible law.
<br /> The Funds s}eall be held in nn institelrion whose deposits are insvred by u federa! agenoy, iastrumentality. or endty�
<br /> (incl�siing ixnder.if Leader is such an insdtut�on)or in any Federcil Hfome Loan Bank.Lender s�all nppiy the Funds to pay the
<br /> F.sciow[teuts.Lender muy not charge Burtower for hoiding and upplying tha Fw�ds.annually annlyzing the escrow eceount,or
<br /> verifjring the Escrow Items.unless Lender Qays BomoWe�'interest on the Funds and applicable!aw pernuta I.ender to make such
<br /> e chargc. However.Lender may requlr�Bormwer w pay a one-dme charge for an independent rr.d estate tnn �orting seivlce
<br /> used by L.e�lar in connection with this Ic�un, unless applicable law provides otkerwtse. Unless an agreemeat is made or
<br /> opplicable lnw requires intet�est ro be paid��C..ender sb,�11 not be requirod to pay Borrower eny interest or�mIngs on ttie FurWs.
<br /> Borrower aad Lender may agree in writing, kowcv�r.that interest s6a11 be paid•on the Funds. L,ender shall give to Borrower.
<br /> wlthout charge. an annual aecounting af the Fw�ds. showi�g credits and debits to We Funds end the piupose for which e,ach
<br /> debit w the Funds was m�le.The Fua�s are pledgad sis�dditiovnl security fur ell�$I1btfi 92cw�d by 16is SCC11titY inctn�.n3.
<br /> ��r���,�;�t�cta�y sx,�cx�t u������n����o�a d�a�y a�,�u�fe saw,t���shal!acwnu�t to Borc,�
<br /> for the excess 6unds in a000rdance wtth the�q��+�s�nts of appliouhla law. If the amount of.theFwxls beld by Lender ai any�
<br /> time is not sufficisnt w pray the Bscrow Items when dtte.Lender may aa nntUy Botrower in wdtirg,;�nd.u►such�ase Bottowtx .
<br /> s�ll pay to Lender the anwunt necessary to roake up the•deficiency.Bomower shall make up elu de6ciency ip no more than
<br /> tw-elve monthly paymeats.at LeMer's sole discr�etioa.
<br /> Upon paymcM in fiill of all sums sec�med by tbis Sectinity Inst�ument. Lender shall Pmrnpt�y nefurrd M Bormwer any:
<br /> ' F�ads beid by f.�ender.If,uader paragraph 2 4,i.ender sdali�equine ur�eU the Property.I.endar, prior ro ttx acquisition or sal:e
<br /> of the Property;s�all apply any Funds held by L�ender at the tume csf ar,.ruisidon ar sale as a crodit egainst the snnqs savred by
<br /> this Soa�rity Insttunicat.
<br /> 3.Applic�ttion o!P�aaoe�tts.Ualess applicable luw pmvides otherv+ise.all pa,yueenxs e�eceived by I.enda under parugra�hs
<br /> 1 sud 2 s6a11 be applied:fizst,co any pnpayment charges due w�der the Note;seaaa�l,to amouna payable under par.�graph 2;
<br /> third.to i�erest due;fourth,to prjncIpa!due;aad last.to any lau cbarges due under We Note.
<br /> 4.Chuges;Lteos.Bormwer�ha�E p:�all taxss.as.�essments.ch�uges,fines aad imposidons amibutabie ta the Property
<br /> wtneh may attain priodty over tbis Security' Iastnunent, and l�asehotd payments or gnound reats,if any. $arrower shalt paY
<br /> Lhese:obligatIor►s in the mannea gmvidad�n garagaph 2,or if not paid in that nnanner.Bomower shall pay them on tinae diracxly
<br /> ;�a;g3►��erson owed payme�. �rsawer shall prompdy furnish to I.ender aq notices of aan�unv�to be patd uader this p:uagraph.
<br /> ..��cmower mnkes thes$paym�bts diroqt3'y,'96ofrower shaU promptly fucpish to Lender reoeigts evidem�cing th�paymseats.
<br /> . • Sorrower s,h�ll prompdy discharge:'auy Rien whicd 6as priority over this Security Instrument unPess Borc�wer:(a)ag�+ces in
<br /> wrtting to the p�j�inent of the obligation aeCirred by the lien in a manner acoeptable to Lender;(b)contests in good faith the Uen
<br /> by, or defrnds against enfossement of the lien in, legal pc�ooe�dings wluch in the:I.gnder's opinion operate to pnevent the
<br /> enforcement of the lien:ot(�)�ecures from the holder of the lien an agneement satisfactory w Lender subordinating the licn to
<br /> this Secucity Instrument.If C.ender determines that any part of the Peq�tetg+is suDj�i:t to a lien veluch may attain priority ovu
<br /> ' this Security Instrument.Lender may gl�e 8umower a notiae Ideruifyiag:iEte lien.Botrower sbel�.satisfy the Ilen or take one or
<br /> �norc of the act�ons sct forth above with�.as i(�days of the giv[ng of notice.
<br /> Form 3028 9f90
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