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<br /> TOf3ETHER 1'VITH all the improvements now or hereafter erected on the property.und ull eusements,npp�u;rt��ces, ar.cl
<br /> tixtures now ar hereufter a pnrt of the pmperty. A!1 replacementa und udditions shalt n1Ea be covcrai by thfx Secudty
<br /> Inxtrument.All of the foregoing ix referr�d to in thia Sccurity Instcument a�the"Propeny."
<br /> BORROWER COVBNANTS that Borrawer is iuwfully scised of the cstate hereby conveyesl and hus the dght to�mnt and
<br /> canvey the F�roperty und that thc Praperty is unencumbered. except far�ncumbrnnces of record. Be�rrower wnrrnnt� und will
<br /> defend genernlly thc titic to the Properiy ugninst nil cluimg und demands.Rubject to any encumbrunc�w af raard.
<br /> TIiIS SECURITY INSTRUMENT combinc;e unffarm covenants for nutionul use and nan-unifarm covenants wlth ltmited -
<br /> variatians by jurisdiction to constitute a uniform secudty instrument covedng renl property. '
<br /> UNIFORM COVENANTS. Borrawer and L.ender covenstnt and ugrce u.R foUowa:
<br /> 1. Payment of 1Mncipul and lnterest; Prepayment und l.utc Chs�rges. Barrawer shall promptly pay whcn duc the
<br /> principal of and inteeest on the debt evidenced by the Note nnd any prepayment and lute churges due urtder the Note.
<br /> 2. �nds for Taxes and Insurance. Subject to applicxble Iaw or to a written waiver by Lender. Borrowcr shall pay to �
<br /> Lender on the day monthly payments are due under the Note.until the Note as paid In full.a sum("Funds")for:(a)yeariy taaes
<br /> and essessments which may attain prIority over this Security Instrument os a lien on the Property;(b)yearly leasehold puyments
<br /> or ground rents on ths Property.if any;(c)yearly hazarcl ar property insurance premiums;(d)yearly flood insurance preminms.
<br /> if any; (e)yearly mortgage insurance premiums, if any;and(�eny sums payable by Borrnwer to Lertder, in accordance with
<br />� the provlstons of paragraph 8,In lieu af the payment of mortgage Msuranoe premiums.These items are celled"Escrow ltems."
<br /> Lender muy. at any time. col(ect and hold Funds in an amount not to exceed the maximum emount a lender for s federally
<br /> related mortgage loan may require for Barrower's escrow account under the federal Real Estate Setdement Procedures Act of
<br /> 1974 as amertded from time to tlme, 12 U.S.C. Section 2601 et se�. ("RFSPA"),unless another law that appiteri to the Funds
<br /> sets a lesser amount. If so. I.encler may. at any time. collect and hold Funds in an amount not to excce� the tesser amount.
<br /> L,ender may esHmate the amoant of Fuads due on the basis of current data and reasonable estimatc.v of eapendituces of futura
<br /> Escrow Items or atherwise in accoidunce with applicable Inw.
<br /> The Funds shaq be held in an institat3on whase deposits are insured by a federal agency, insuumca�Ity, or enttty
<br /> (including Lender.if Lender is such en institutIon)or in any Federal Home Loan Bank.Lender shali apply the Funds to pay the
<br /> Escmw Items.Lender may not charge Barrower for holdIng and applying the Funds.annually analyzing the escrow eccount,or
<br /> verifyin$the Fscrow Items.unless L.ender pays Borrower interest on the Funds and applicable law paraiits Lender to make such
<br /> a cherge. However,L.ender may rcquire Borrower to pay a onc-timc charge for Fu►indepeadent real estate taa reporting service
<br /> used by L.ender In oonnectlon with tlus loan. unless appllrable Isw provldes othenvise. Unless an ag�+eement is made or
<br /> applicable law requires intemst to be gaid,Lender shall not be required to Iray Borrower any interest or eamings on the Funds.
<br /> gQ�x,PT�1 i r_.�iPr msry agree in wridng,however. that interest shall be paid on the Funds. I.ender shell give to Borrower.
<br /> without charge. an annnal accountIng of the F�ueds. showtng credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.The Funds are ptedged es additional securiry for ell swns sec�red by this Serurity Inswmeat.
<br /> If the Funds heid by Lender exceed the emouats permitted to be held by applicable law.Lender shall acoount w Borrower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Leader at any
<br /> dme is not sufficient to pay the Escrow Items when due.I.ender may so notify Borrower In wrlting,and.in such case Borrower
<br /> shaU pay to L.ender the amount aeressary to make up the deficiency. Horrower shall make up tha deficieacy in ao more than
<br /> twelve monthly payments.at Lender's sole discretion.
<br /> Upon payment in fuli of sU sums secured by this Security Instn�ment,Lender shall pmmpdy refund to Bomower any
<br /> Funds held by Lender.If.under paragraph 21,Lender shall acquire or sell the Property,Lender,pdor to the acquisition or sale
<br /> of the Property.shall apply any Fands held by Lender at the dme of acquisiuon or sale as a credit against the sums se,cured 6y
<br /> this Secudry Iastrument.
<br /> 3.AppUcatlon o�Payments.Unless applicable law provides otherwise,all payruents received by L,ender under paragraphs
<br /> 1 and 2 shnll be applied:first,to any prepayment charges due nnder the Note;seoond,to amoanta payable under paragraph 2;
<br /> thIrd,to interest due;fonnh,to principal due;and last,to any late charges due under the Note.
<br /> 4.Charges;Liens.Borrower shall pay aU taxes,assessments,cjiarges,fines and impositions atuibutable to the Property
<br /> which may attain prIorIty over this Security Insuument,end leasehold payments or groand rents,if any. Borrower shall pay
<br /> these obli�ations In the manner provid�d in paragraph 2,or if not paid tn that manner.Horrowes shall pay them on dme direcdy
<br /> to the persoa owed payment.Borrower shall prompdy fumish to Lender ell nodces of emounts to be paid under this paragraph.
<br /> • tf Hornower makes these payments direrdy.Borrower shall promptly furnieh to I..ender receipis evidencing the payments.
<br /> Boirower shail pmmptly discharge any Uen which has priority over this Socudty Instniment unless Horrower.(a)agc+ees ia
<br /> wridng to the payment of the obligation secured by the lien ia a manner accepmble to I.ender;(b)contesu in good faith the lien
<br /> by. or defends against enforcement of the Ilen in, Legal proccedings 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 agreernent satisfactory to Lender subvrdinating the lien to
<br /> this$ecurity Instrument. If Lender determines that any part of the Property ix subjert to a IIen which may attain priority over
<br /> this Secudty Instn►ment,I.ender may give Horrower a nodce idenafying the lien.Borrower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice. ,
<br /> � � Fotm 3028 9/90
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