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<br /> 9'T'"lU'�945
<br /> TQC7ETHER WITH�ll thc improvements now ar hercafter cruted�n thc property,und ull cascmcnts,uppurtcnanres,und
<br /> f xtures naw ar hercaRer a purt of thc praperty. All rcplaccmcnts and .additionti shi�ll nlso bc c��vcmd hy this Sccurlty
<br /> Instrument. All af thc foregoing is rcfcrccd ta in this Securlty Instrument uti the'Pruperty."
<br /> BORROWER COVENANTS that Borrowcr is luwfully sciscd of thc csuitc hcreby ronvcycd and has thc right ta grant nacl
<br /> canvey the Prope�ty und thut the Propeny is unencumbered, except for encumbrances of rccord. Bonower wurrnnts unJ will
<br /> defend gen�rally thr titte to the Property aguinst ull cluim.r•and demunds,subject to uny encumbrances of record.
<br /> THIS SECURITY INSTRUMENT cambines unifarm covcnants far national use und non-uniform cavenunts with Iimited
<br /> variations by juriscl3ction to constitute a uniforni tiecurity instrument covering reul praperty.
<br /> UNIFORM COVENANTS.Borrower und l.ender covenant und agree�s follows:
<br /> 1. Payment of Princ(pal And Interest;Prepws ment wnd Late Charg�s. Borrower sh�ll promptly pay whcn due thc
<br /> principal of ancl intemst on thc debt evidcncod by the Note and uny prcpayment and late churges due under the Note.
<br /> 2. F�nds for Taxes and Insurance.Subject to �pplicable luw ar to n written waiver by Lender. Bonower shall pay to
<br /> Lender an the day monthly payments are due under the Note,unttl the Note is paid in full,a sum("Funds")fbr:(a)yearly taaces
<br /> and assessments which may uttain priority over this Security Instrument as a licn on the Praperty;(b)yearly le�sehold payments
<br /> or ground renGs on the Property,if any: (c)yearly h�uard ar propeny insurance premiums;(d)ycarly tload insurunce premiums,
<br /> if any;(e)yearly mortgage insurance premiums, if any;und(�any sums payable by Borrower to Lender, in accardance with
<br /> the provisions of paragraph 8, in lteu of the��yment of mangoge insurance premiums.These ite�s are called "Escrow Items."
<br /> L.ender muy. at any time. collect and hold Funds in un amount not to exceod the maximum nmount a lender for a federally
<br /> relnted mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedur�Act of
<br /> 1974 as amended from time to ttme,l2 U.S.C.Section 2601 et seq. ("RBSPA'). unless pnother law that applies to the Funds
<br /> sets a lesser amount. If so, I.ender may, at any time. rnllect and hold Funds in an amount not to exceed the lesser amount.
<br /> Lender may estimuxe the amount of Funds due on the basis of current data and reasonable estimates of eapenditures of futun
<br /> Escrow Items or othenvise in accordanee with applicuble Is�w.
<br /> The Funds shall be held In an institution whose deposits arc insured by a federal agency, instnunentelity. or entity
<br /> (including Lender,if Lender is such en institudon)or in any Federal Home Loan Bank.L.ender shall apply the Funds to pay the
<br /> � Escrow Items.Lender may not char�e Borrower for holding and applying the Funds,annually analyzing the escrow account,ar
<br /> verifjring the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such
<br /> _ a char�P Howe..ver; T.ender may�oquire Borrawer to Qay a one-time charfie for an independeat real eststte tax reporting servia
<br /> . used 3+y �.ender in connection with this loan, unless npplicable law provides othenviso. Unless an agreement is made or
<br /> applicable law sequiT�s interest to be paid.Lender shall not be roquired to pay Borrawer any intcrest or eamings on the Funris.
<br /> , Borrower and I.cnder may agrce in writing. however. thut interest shall be paid on the Funds. I.ender shall give to Borrower.
<br /> without charge, an annual accounting of the Funds, showing credits and debita to the Funds and the purpose for which aach
<br /> • debit to the Funds was made.The�unds are plcdgal as eddtdonal security for all sums secured by this Security Instrument.
<br /> , If the Funds held by Lender exceed the amaunts permitted to be held by applicable law. Lender shall account to Borrower
<br /> .� for the excess Funds in acrnrdance with the requircments of applicable law. If the amount of the Funds he(d by Lender at any
<br /> time is not suKcient to pay the Escrow Items when due,Lender may so nodfy Borrower in writIng,and,in such case Borrower
<br /> shail pay to Lender the amount neassary to malce up the deficiency. Borrower shall make up the deficiency in no more then
<br /> ' twelve monthly payments.at Lender's sole cliscretion.
<br /> ' Upon payment in full of all sums sccurcd by this Security Instrument. Lender shall prompdy refund to Borrower any
<br /> � Funds held by Lcnder.If,under paragraph 2 l,L.ender shall ocqutn or sell the Property.Lender.prior to the acquisidon or sale
<br /> �. of�he PropCrty, shall apply any Fands held by L.ender at the time of acquisltion or sale as a cralit against the sums securod by
<br /> �� this Secudty Instrument. � �
<br /> 3.Applicatbn o[Paymmts.Unless applicablc law pravides otherwise. all payments received by L.en�er under paragraphs
<br /> 1 end 2 shall be appltal: first,to any pnpayment charges due under the Note;second,to amounts payable under paragraph 2;
<br /> " thi�+d.to interest due;fourth,to principal due:and last,to any late charges due under the Note.
<br /> 4. Clmrges;I.iens. Borrower shall pay all taxes.assessmenu,charges. fines and imposiuous attributable to the Property
<br /> which may attain priority over this Security Instrument. aml leasehold paymenu or ground rents. if any. Borrower shal! pay
<br /> - these obligatlons in the manner providod in pa�agraph 2,or if not paid in that manner. Bortower shall pay them on time dicrctly
<br /> � to the person owod payment.Borrower sball promptly fumish to L.cnder np notias of artaunu to be paid under this paragraph.
<br /> If Barrower makes rhese payments directly,Borcower shall promptly fumish to Lender receipts evidcncing the payments.
<br /> Borrower sha99 promptly dischuge any lien which has priority over this Securiry Instrument unless Boncower:(a)agroes in
<br /> � writing to the payment of the obligarion secured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> ' by, or defends against enforcement of the licn in, legal proccedings which in the Lender's opinion operate to prevent the
<br /> enforcemen:of the lien; or(c)securcs from the holder of the lten an agreement satisfactory to Lender subordinating the lien to
<br /> this Security Instrument. IF Lender determines that any part of the Property is subjoct to a lien which may attain priority over
<br /> ; this Sa:urity Instrument. Lender may givc Borrower a notice identifying thc lien. Borrower shall satisfy the lien or take one or
<br /> 1 more of the action�set fortG aUove within 10 days of thc giving of noticc.
<br /> Form 3028 9/00
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