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<br /> TOOETHBR WITH eil the imprmamu►cs aow or 9�ereaRer eraxed o�a the prnperty.u►d�1�ea�s�nta.+�xtrtaw»oe+.aad
<br /> fiatares ix�w ar hereafter u purt of thc propeiry. All repla�:ements and addIdo�s shal! also bc covered by tbis Securlty
<br /> t�►stiu►:�eiu. A!1 of thc farc�aing i5 rcFen�d to in dyis Security lust�ment a.9 ti�e"Feopetty.°
<br /> IIORRf?W'F.ii�OVENAIJTS that Botrower Is lawfully seised nf thc est�tc hereby conveycd nnd hus tht tight to 8rant and
<br /> canvcy th� Pmperty encl that the I'raperty!x unencumberod,cxcept for cncumbrnnces of reo�rd.Borrower warranu and wjl!
<br /> defe►xt generally thc tiUa to tho Property a ufnst all claims und demands,subject to uny encumbrences of record.
<br /> I THIS S�CURITY INSTRUMBNT �mbines uniform caivenants for nattor�ri ase an�l nan�unf4'orm covenants with iiraited
<br /> ' vurirti�ns by juri�ciictian to c;onstltute a unlform ae�urity lnstrument covering real property. �
<br /> I IINIFURM COVEIYANTS.Bur�'owet at�d Lendet CovCtsaai snd agra as foltowa; .
<br /> i. Pl�ymmt ot 1'irtndpd and Intepst; Pe+ep4ymen1lind I.ote Charges. Barrower sbaU pmmptly pay when du4 the
<br /> principul of and incerest on the debt evidenced by the Note and any prepuyment And late chnrges due under the Notc.
<br /> 2. Fnnds for Tax�And Iasursmce.Subject to appllcable law or ta u written waiver by Lender, Borrower shall pay to
<br /> I.endcr on the day monthly puymerus ara duc under the Note.until tho Note is paid in full,a sum("Funds")for:(a)yearl3r taxes
<br /> and assessments whlch may attain�pr�ofity over this Secudty Insuument as a lien on tho Property;(b)yearly leusehold paymenta
<br /> I or ground renu on the Pruperty,if any;(c)yeariy hazard or property insurance premlums;(d)yeurty itood insurance premiums,
<br /> � if any: (e)yearly mortgage insurance premlums,If any; and(�uny sums payable by Bon�wer to I.ender. in accordance wltb
<br /> i the provieions of paragraph 8,in iteu of the payment of mortgage L�surance premiums.These items ore cnlled"Escmw Items."
<br /> L,ender may. at any cime,coltect and hold Fands in an amount not to axceed tlie maximum amount a lender for u federally
<br /> reiated mortgage toan may requi�e for Sorrower's escrow account urtder the federal Real Estate Settlement Pracedures Act of
<br /> 1934 as amendod from time to tlme, I2 U.S.C.Sectjon 2601 e�seq. ("RESPA"),unless nnother law that appliea to the Funds
<br /> se[�a lesser nnwunt. If so. Leader may, at any time, collect and hold Funds In an amount not W excee�the lesser amouat.
<br /> Lender may estimate the amount of Funds due on thc basls of current data ar►d reasonable estimates oY expenditures of fute�re
<br /> Fscrow Items ar oiherwise in accordence with applIcable law.
<br /> The Funds shull be held in an lnstitutlon whose deposiu are lnsured by a federal agency, insuumentallty. or eniiry
<br /> (irtcluding Lender.if Lender is such an insdtutlon)or in any Federal Horae Loan Han1c.Lender shall apply the Funds to pay the
<br /> Escmw Items.I.ender may not charge Borrower for holding nnd applying the Funds.ennually analyzin�the�crow account.or
<br /> ver�fying the Escrow Items, unless Lender pays Horrower interest on the Funds and applicable law permits Lender to ma[ce sach
<br /> a charge.However, l.ender may require Borrower to pay a one-tirne charge for an independent real estate tax repordng service
<br /> used by Lender in connectian with this loan. unless applicable law prnvides otherwise. Unless an a�reement is made or
<br /> applicable law re�utres interest to be paid.Lender shali not be required to pay Borcower any intemst or eamings on the Funds.
<br /> Horrower and Lender may agree in wddng,however,that intemst shall be paid on the Funds. I.ender shall give to Borrower,
<br /> without char�e, un annual accountin�of the Funds, shawing credIts and debits to the Funds atnd the purpose for which et�ch
<br /> debit to the Funds was nfade.The Funds are pledged as additional security for ull sums serured by this Securlty Instrument.
<br /> If the Funds held by I.ender exceed the amounts permitted a be held by applicable law.I.ender shatl account to Borrower
<br /> :y;F� i for the exces.c Funds in accordance with the rrquirement�of applicable law. If the Amount of the Funds held by Lender at any
<br /> t�me is not sufficient to pay the Escrow Items whcn due. Lender may so notify Borrower in wrlting,and.in s�ch case Bc�nower
<br /> shall pay tv Lender the amount necessery to make up the deficiency. Borrower shall muke up the deficiency in no more than
<br /> twelve moAthly payments,at L.ender's u►le discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, L.ender shall promptly refund to Borrower any
<br /> Funda held by I.ender.If,under para�raph 2l.Lender shall acquire or seq the Property. I.endcr.pr�or to the acquIsldon or sale
<br /> af the Properry.shull apply any Funds held by[.ender ni the time of acquisitton or sule as u credit against the sums secured by
<br /> thfs Security Inatniment.
<br /> 3.Applir.at3on of Payments.Unless applicable!aw provides otherwfse,alt payments received by Lender under parageuphs
<br /> 1 end 2 shall be spplied: first,to any p�+epayment cherges due under the Note; serond.to amounts payable under paregraph 2;
<br /> third,to interest due:fourth.to principal due: and last,to any Iate charges due under the Note, ;
<br /> 4.Chatgcs; Ltens.Borrower shall pay all taxes,assessments, charges, fines and impositions attributable to the Property
<br /> whtch may attain priorlty over this Securiry Instrument. and leasehold payments or ground rents, if any. Borrawer shall pay
<br /> � .
<br /> . •., these abligations in the manner provided in parng�ph 2.or if not paid in that manner, Borrower shail pay them on time directly
<br /> � to tho person owed payment. Borrower shaU promptly fumish to L.ender all notices of nmounts to be paid under this paragraph.
<br /> ;;";�:�: If Borrower makes these payments directly.Borrower shnll prompt ly fumish to I.ender rccelpts evidencing the payments.
<br /> `�';� Borrower shall promptly discharge any lien which has priority over this Se�:urity Instrument unless Borrowcr: (a)a�rees in
<br /> �¢'`� writing to ihe payment of thc obligation secured by the licn tn a mann�r acccptable to I.endcr;(b)contests in good faith the lten
<br /> ` �s���'� by, or defends aguinst enforcement of thc licn in. legai proccedings which in the Lcnder's opinion operate to prevent the :,�
<br /> s� ''i+:.
<br /> � enforcement of the lien; or(c)securet fram the holder of the tien nn agroement satisfnctory to L.ender subordinating the lien to .�
<br /> a••r
<br /> �"�t ;�;' this Security Instrument. If Lender detercnines that uny part of the Propeny is subject to a lien which may attain priority aver �:� :
<br /> ,,:;���" this Security Instrument. Lender may give Borrower u notice identifying the lien.Borrower shali�atisfy the lien or take one or
<br /> "�.�`�+:�.�� more of the actions set forth above within IO d�ys of the givin�of notice.
<br /> ��"� Form 3028 9/90 ��`
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