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<br /> TOtIETHER WITM nll the improvementa now or hereafter erected on the property.und�!'�.se nentc+,appurtennnces.and
<br /> tixtut+es aow ar hereafter n pnrt of the property. All replacements and ¢dditlons shull nisa be cavcred by this Sccurity —
<br /> instrument. All of the foregoing is referred to in this Secudty Instniment ns the"Property."
<br /> BOftf20WER COVENANTS that An�rower iv luwfully seiso�of the�stnte hereby conveyed and ha.g the right ta gcunt und __.
<br /> canvey the Property nnd thnt the PropeRy is unertcumbered,except for encumbranoes of record. Horro�ver worrunts ucM v+i11
<br /> defend generully the titte eo the Pe+apecty uguinst all clalms nnd demurtds.subject to any encumbruncea of rocord.
<br /> THIS SECURITY INSTRUMBN'f mmbines uniform covenunts for nutianal use and rton-unifarm covenun�g with limlted
<br /> varladons by judsdiction to constitute a uniform security instrument ooverins real property•
<br /> UNIFORM COVENANTS.Bomower nnd Lender covensutt and u�ree as follows:
<br /> l. Ptsyment of l�rtnctp�i ano inures� rrepoymeni enu inio �i�.i�. ikr��::.s s�:»: Fr�s.'�tl; F�; whs.n �t��P rhp _c
<br />, pr�ncipul af and Interest on the debt ev[denced by the Nate and iu►y prepayment and late charges due under the Note.
<br /> 2. �nds for Texes ttnd Insura�e. Subject to applica4le law or to a wrltten waiver by I.ander, Borrower shall pay to
<br /> Lender on the day monthly payaaenta ere due under ihe Note.until the Note is paid!a full,a sum("Funds")for:(a)yearly taxes
<br />� and sssessments which may attain priority over this Security Instrument as a lien on the Property;(b)yearly le�ehold payments
<br />' or gmund rents on the Property.if any;(c)yearly hazard or property insurance premiums:(d)yeArly flood insurance premiums.
<br /> lf any:(e) yearly mortgage insurance premiwns. if eny;a�id(�any sums payable by Borrow�r to Lender, in accordance with
<br /> the ptovis�ons of parngraph 8.in lieu uf die payment of mortgagc insurancc pm,mivass.'l1i�e ltems a�e called"Fumw Items." r
<br /> Lender may,at any dme,collect aad hold Funds in an amount not to exceEd the maximutn amount a lender far a federally
<br /> related mortgage loan may require for Borrower's escmw account under the federul Reul Estate Setdement Prooedures Act of
<br /> 1974 as amemied from time to time, 12 U.S.C.Sectfan 2601 ei seq. ("RESPA").unless another law that applies to the Funds
<br /> sets a lesser azaouat.If so, Lender may,at any time. oollect and hold Funds in an amount not w exceed the lesser amount.
<br /> Lender may esttmate the amouat of Funds due on the basis of cument data and reasonable esdmates of expenditures of fuwre
<br /> Escrnw Items or othen�v�ise in accordance with epplicable luw.
<br /> The Fuads shall be held iu an tnctitution whose depc�sits aze i�sured by a federal agency. instn�meatality. or endty -
<br /> (including Leader.if Lender is such en i�utituUon)ar in any Fe�eral Home Loaa Bank.Lender shall apply the Funds W pay the c
<br /> Escrow Ieems.L,ender may not charge Bomnwer for holding and applying the Funds,annually analyzing the escrow accaunt,or
<br /> verifying tlne Escrow Items.unless Lender pays Borrower interest on the Funds and appltcable Iaw permits Lender w make such
<br /> a charge. Howcvc�.Le��r=aay r�quirc SorsaK�r ta psy a ane-tlme�har�„e fQr an!n�lNgen�Pnt real cctate tax report�ng service ,
<br /> used by Lender in connection with this loan, unless applicable law provides otherw[se. Unless an agreement is made or
<br /> applicable law�uires interest to be paid, Lender shall aot be r�ired to pay Borrower any interest or eamings on the Funds.
<br /> Borrower and L.ender may agree in wridng.however.that iaterest shall be paid on the Funds.Lender shaJl give to Borrower,
<br /> without charge. an annwil aocounting of the Funds, showing credits end debits to the Funds and the pucpese for which each
<br /> debit to the Funds was made.The Funds are pledged as additional security for ail swns sacured by this Security Instrument.
<br /> If the Funds held by Lender exceed the atnounts pecmitted to be held by applicable law,Lender shall acwunt to Borrower
<br /> for the cxcess Funds ie accoidance with the t�equi�+ements of applicable law.If the amount of the Funds held by Lender at any
<br /> time is not sufficisnt to pay the Escrow Items when due,Lender may so norify Borrower in writing,and,in such case Borrower
<br /> shtdl pay to Lender the amuunt necessary to make up the deficiency. Borrower shall make up the deficiensy in no more than
<br /> twelve mont6ly paymenu,at I.ender's sole discretlon.
<br /> Upon payment ln full of all sums secure� by this Security Insuument, Lender shalt pmtnpdy refund to Borrower azry
<br /> Funds held by Lender.If,under paragreph 21.Lender shali acquire or sell the Property.L.ender,prior W the acquisitIon or sele
<br /> of the P[operty,shall applx any Funds held by L.ender at the ume of acquisidon or sale as a credit against the sums secured by
<br /> thIs Security Instrumen�
<br /> 3.Applicatton of Payments.Unless aQplicable laci pmvides oWerwise,all payments received by Lender uader paragcaphs
<br /> 1 and 2 shal!be applied:first,to aay prepayment charges due under the Note; second,to amounis payablo under paragraph 2;
<br /> thlyd.to interest due;fourth.to principal due;und last,to any late charges due under We Note.
<br /> 4:ChatEcs; Llens.Borrower s1►all Qny all taxes.assessmenu.chargts,fines and imposltions attributable to the Property .
<br /> which may attain priority over this Security Instn�ment, and leasehold payments or ground rents,if any. Borrower shall pay
<br /> these abligations in the manner pruvided in paragraph 2,or if not paid in that mannar,Borrower shall pay ttiem on time directly
<br /> to the person owed payraent.Borrower shall promptly fumish to I.ender all notices of amowus to be paid under this paragraph.
<br /> If Borrower makes these payments directly.Bomower shall promptty furnish to Leader teceipts evidencing the payments.
<br /> Borrower shall promptfy d'escharge any lien which i�as priority flver this Security Inshument untess Borrower.(a)egtees in
<br /> writing to the payment of the obligation sscured by the fien in a manner acceptabte to Lender;(b)oontests in good faith the lien
<br /> by. or defends ugainst enforcement of the lien ia, legal proceadings which in the Lender's opinion operate to prevent the
<br /> -� enforcement of the lien:or(c)secures from the holder of the lien an agrcement satisfactory to L.ender subordinstHng the tien to
<br /> this Security Instrument.If L.ender detennines that any part uf the Property is subject w a lien which may attuin priority over
<br /> _ this Security Instniment.Lender may give Borrower a notice idenrifying the tien.Borrower shall satisfy the lien or take one ot
<br /> more of the aclions set forth above within 10 days of the giving of notice.
<br /> Fortn 3028. 9/90
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