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<br /> 98— ssx��o
<br /> TAGETHER WITH a11 the improvements now or hereafter erected on tha propeny, and all easements.appurtenances,and -
<br /> fixtures now or hereafler a pan of thc property. All replacen►ents and additions shall also be aovered by this Security
<br /> Instrumenc.All of the forogoing ia roferred to in ihis Security Instrumenc as the "Property,"
<br /> BORROW�R COVBNANTS that Borrower is lawfully seised of the estate hereby conveyed and has the rlght to grant and
<br /> convey the Property and that the Property is unencumborcd, except for encumbrances of record. Borrower warrants and will
<br /> dofend generally the title to the Property againat all claims and demands,subject to any encumbrances of record.
<br /> THiS SECURITY ItJSTRUMBNT combines uniform covenants for national use and non-uniform cc�venants wiih limited
<br /> varietions Uy jurisdiction to constitute a uniform sccurity lnstrumcnt covering rcal propeny. .
<br /> UNIFORM COVENANTS, Borrower and Lender covenant and agra as follows:
<br /> 1. Ps►yment ot I'rincipAl And Interest; Preppyment end I,ate Charge�. Borrower shall promptly pay when duc the
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and latc chazges due under[he Note.
<br /> 2. Funds [or'faxa aad Inaurnnce. Subject to applicable law or ta a written waiver by l.ender, 13orrower shall pay to
<br /> Lender on the day r►x�nthly payments are due under the Note,until the Note is paid in full,a sum("Funds")for: (a)yeariy taxes
<br /> And assessm�.nts which may attain priority over this Security Instninient as a lien an the Propeny; (b)yearly Ieasehold payments
<br /> or ground rents on the Property,if any;(c)yearly hazard or propeny insurance premiums;(d)yearly flood lnsurance premiurns,
<br /> if any;(e)yearly rnortgage insurance promiums, if any; and(� any sums payable by F3orrower to Lender, in accordance with
<br /> the provisions of paragraph B, in lieu of the payment of mortgage insurance premiums.7'hesc items are called "Escrow Itoms."
<br /> I.endor may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally
<br /> related martgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amended from timc to tlme, 12 U.S.C. Scction 2601 et scq. ("RESPA"),unless another law that applies to the Eunds
<br /> sets a lesser amount. If so, Lender may, at any [ime, coUect and hold Fwids in an amount not to eaceed the lesser amount.
<br /> Lender may estimate the amount of Funds due on the basis of cuaent data and reasonable estimates of eapenditures of future
<br /> Escrow Items or otherwise in accardance with ap�licable law.
<br /> The Funds shall be held in an institution whose depoaits aze insured by a federal agency, instrumentality, or entity
<br /> (including I.ender,if I.ender is such an institution)or in any Federal Home L.oan Bank.Lender shall apply the Fund�t� pay the
<br /> Escrow Items. Lender may no[chazge Bonower foc holding and applying[he Funds, annually analyzing the escrow account, or
<br />- veritying the Escrow Items,unlcss Lcnder pays Borrowcr interest on the Funds and applicable law permits l.cnder to make such
<br /> a charge. However,L.ender may require Barrower to pay a one-time charge for an independent real estate tax reporting service
<br /> ° used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is rnade or
<br /> applicable Inw requires interest to be paid, Lender shall not be reyuirui co pay Borrower any interest or eamings on th�Funds,
<br /> Bonower and l.ender may agree in writing, however, that incerest shall be paid on the Funds. I.ender shall give to Bortower,
<br /> WItIIOU!C�18I�C, aTl al7llut►I �t:t:�uttiittx�t tiic rUu�S,3Y'iGii�ID�ClCviiS ".22t3 L�CZT:t9 t4 th^ F�i�ric and the nuraose for which each
<br /> debit to the Funds was made.'Che Funds are pledged as additional security for all sums secured by thts Securlty Tnstrumeni.
<br /> If the Funds held by Lender excced the amounts permitted to t�e held by applicable law, I.ender shall account to Borcower
<br /> for the excess Funds in accordance with the requirements of appl[cable law. If the arnount of the Funds held by Lend�r at any
<br /> time is not sufficient to pay the Fscrow Items when due, Lendcr may so notify Bonow�r in writing,and, in such case Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Bonower shall make up the deficiency in no�nore than _
<br /> twelve monthly pr.yments, at L.ender's sole discretion,
<br /> Upon payment in full of all sums secured by this Security Instn�ment, i..ender shall promptly refund to Borrower any
<br /> Funds h�ld by Leuder.If. imder paragraph 21,Ixnder shall actiuire or sell the Property,Lender,prior to the acquialtion or sale
<br /> of the Property, shall epply any Funds held by L,ender at the time of acyuisition or sale as a cred[t against the sunu secured by
<br /> this Securlry Instrument.
<br /> 3.Applla�tion of Payments.Unless applicable law provides otherwise, all payments received by Lender undcr paragruphs
<br /> 1 and 2 sh�!1 be applied; first, to any prepayment charges due under thc Note; second, to amounts paysble under puagnph 2;
<br /> third,to interest�up;,jp4rth to principal due;and last,to a�►y late chazges due under the Note.
<br /> 4. Chwcgal;�terc. B�n�wer shall pay all taxes, assessments, charges, fines and impositlons attributable to thc Property
<br /> which may attain priority over this Security Instrument, and lea�ehold payments or ground rents, if any. Bonower sh�ll pay
<br /> these obligat'sons in the manner provided in paragraph 2,or if not paid in that manner,Bonower shall pay them on timo directiy
<br /> to the person owed payment. Borrower shall pmmptly furnish to L,ender all notices of amounts to be paid under this par�graph.
<br /> If f3orrower malcea these payments directly, Borrower shall promptly furnish tn L.ender rxeipts evidencing the pay�nents.
<br /> Borrower shall pmmptly discharge any lien which has priority over this Security instrument unloss Borcower: (a) agrces in
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable t�Lender;(b)contests in good faith�he lion
<br /> by, or defends against enforcement of tht lien in, legal procecdings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien; or(c)secures from the holder of the lien nn agreement satisfactory to Lender subordinating tl�e lien to
<br /> this Security Instrument. If I.ender determines that any pan of the Property is subject to a lten which may attain priority over
<br /> this Security [nstrument, Lender may give Borrower a notice identifying the lien. Bonower shall satisfy the lien or take one or
<br /> more of thc actions set forth above within 10 days of the giving of notice.
<br /> Farm 3028 9/90
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