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<br /> 96�. �O�L'�08
<br /> TOGETHER WITt� ,dl Nie improvements now or herenfter erccted on the prc,perty, iu�d ull cascmcntti,uppurtcnnnccs,und -
<br /> �17(lRPCS IlotV ur licrcafter a p�u•t c�f tiic properry. All rcplucemcnts nnd additiuns sluill alsu bc rovarcd by this Sccurity �
<br /> Instrumcnt. AU uf the foregoing is referrcd to in this Security Listrument as the"Property."
<br /> BORROWLR COV�NANTS thi�t Bormwer is Inwfully scised of d�e es►u�e hei�cby convcycd una I�a+ tlie eight tu graut,vid •
<br /> convey the Propeny nnd thnt the Property is un�ncumbered, except for encumbrnnccs of record. IIorrower warrants and will
<br /> defend gencridly the title ta the Properry ngi�inst aU cluims u�d demands, subject ta uny encumbrunces of record.
<br /> 'CHIS SI?CURITY (NSTRUMENT comUines uniform covennnts for nutionnl usc and non-uniform roeenants with limited
<br /> vurintions by jurisdiction to canstitutc u uniform sccurit}�instrument covcring rcul property. `
<br /> UNIF�UNM CO�EN'AN7'S.@orrower and Lender covenunt und agree as follows;
<br /> 1. Puyntent of Princlpnl and Intcrest; Prepnymcnt und l.ate Char�;e.�. Borrowcr shall pramptly pay when duc the
<br /> principal of nnd intcrest on the debt evidenced b,y the Note und any prepayment and latc charIIcs Jae under the Nate.
<br /> 2.Etinds for Tn�:es nnd Iiuurance. Subject to applicu5lc law or to a writcen waiver by Lender, Bormwer shall pay to
<br /> Leudcr on the duy monthly payments ure due undcr the Notc,until the Note is paid in full,a sum("Funds")for:(a)yenrl��t�,Yes
<br /> and assessments which may attain priority over this Securiry Ynstrument as a lien on the Property;(b)yeariy leasehold payments —
<br /> or ground �•ents on the Property,if any; (c)yearly huzurd or property insuranc�premiums; (d)yearly flaocl intiurancc premiums,
<br /> if any; (c) yearly mortga�e insurance premiums, if any; and (�any sums payable by Bomawer to Lender, io accardunce with
<br /> . the provlsions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These itcros arc culled "Escrow items."
<br /> Lender may, at any time. collect and hold Funds in ru�nmoune not to exceed the mnximu�n amount a lender for a federally
<br /> related m�rtgage loAn may requlre for Borrower's escrow account under the feder�l Real 6state Settlem�ent Procedures Act of _
<br /> 1974 as nmended frotn timc to time, 12 U.S.C. Section 2601 et seq. ("RESi'A"), unless another law that npplies ta the Funds
<br /> sets a lesscr amount. If sa, I..ender may, at nny tim�, collect und hold Funds in an amounc not to excecd tlie lesser Amount.
<br /> Lender may estimate the amount of Funds due on th� basis of cunent dau+nnd rr„asonablc estimates of expenditures of ihture
<br /> Hscrow Items or otherwise in accordance with applicuble law.
<br /> The Funds shull be held in un institution whose deposits ure lnsured by n federal agency, iustrumentality, or entity
<br /> (incluciing Lcnder,if I..encler is such an institution)or in any Federal Hame Loan Bsinnk. Lendcr shall apply the Funds to pay thc
<br /> Escrow Items.Lendcr may nnt charge Borrower far holding and npplying thc Funds,annually nnalyzing the escrow uccount,or
<br /> verifying the Escrow Items,unless L.ei�der pays Eo�rotiver interest on the Funds and applicable law permits l.a;nder to make such
<br /> a churge. However,L.ender muy rec�uire Bon•uwer to pay A one-time charge for an independent real estate tax reporting service
<br /> used by Lender in connectlan with thls loan, unless applicable law provides otherwlse. Unless an agreement is msdc or
<br /> applicable law requires interest to be paid,Lender shall not be required to pay Borrower any interest�r earnin�s an the Funds.
<br /> Borrowcr and Lender may agree in writing, however, that interest shall be paid on tha Funds. l.endcr shall�ivc to Borrowcr,
<br /> without charga, an annunl accounting of the Funds, shuwing credits and debits to tha Funcls and the purpose for which each
<br /> debit to the Funds�vas made.The Funds m�c plcdged as additiona]security for all sums secured by this Sccurity Instrumcnt.
<br /> If the Funds held by I.ender exceed the amounts permitted to be held by npplicable law,L.ender shall accaunt t�Borro�vcr
<br /> for the excess Funds in accordance with the requirements af applicable law. If the amount of the Funds held by Lender ut any
<br /> time is not sufficient to pay thc;Bscrow Itcros when due,Lender may so notify Bottower in writing,and,in such case Barro�ver
<br /> shull �ay to Lender tho amount necess�ry to make up the de�ciency. Borro�ver shall xnake up the deficiency in no more than
<br /> twelve monthly payments. at I.endcr's solc discretion.
<br /> Upon payment in full of nll sums secured by this Securlty Instrument, Lender shall promptly refund to Borrower any
<br /> Funds held by L.ender.[f, under paragraph 21,Lender shall ucquim or selt the Property,Lender,prior to the acquisition or sale
<br /> of the Property, shull appiy any Funds hcld by Lender nt the time of ncquisition or sale us a credit asainst the sums secured by
<br /> this Security Instiument.
<br /> 3.A.gPllcatioa of Paymenta.U�iless applicable IAw provides othenvise,all payments received by L.ender under paragruphs
<br /> I anri 7,vh,lll I+e�nnlind' fitst. t�Hnv nrrnavmPnt�Fwr��c�1�tt!�mder tha fV�tr; vQrnn�i. Tn amnnntc navahlr nn�lrr nnrx�ranR�;
<br /> third,to interest due;fourth,to principal due;and last,to any late charges due under the Note.
<br /> 4.Chnrges;Ltenfl. �orrower shall pay all taxea, assessments, charges, flnes and impositions uttributiible to the Property �
<br /> whicl� may attain prinrity over this Seaurity instrument, and lcasehold payments or ground rents, if uny. Borrower shall pay
<br /> thesc obligattons in the manncr providcd in paragraph 2,or if not paid i�i that manner.Borrower shall pav them on timc directly
<br /> to the person owed payment.Bonower shall promptly furnish to Lender all notices Qf amounth to be paid under this parugraph.
<br /> If Borrotiver makes these paym�nts directly,Aorrower shall promptly furnish to L.endcr reccipts ovidencing the poyments.
<br /> Borrower sha]l promptly discharge any licn which hus priority over this Security Instrument unless Borrower:(u)agrces in
<br /> writing to the payment of the obligation secured by the licn in a manner acceptable to Lender;(b)contests in�;ood fai�tl�the lien
<br /> by, or defenAs against enforcement of the lien in, Iegal proccedings which in the Lender's opinion operate to �revent the _
<br /> enforcrment of the lien;or(c) secures f��m the holder of thc Ilen an ugrecmcnt sotisfactory to Lender subordinating tho licn to
<br /> this Sec�rrity instrument. If Lcnder dctermines that any part of thc Property is subject to n lien�vhich may uttain priority over
<br /> this Security Instrument, Lender may give Bonower a notice identifying the lien. Borcower shall satisfy the lien or t:+ke one or
<br /> morc of the actions set forth abave within 10 days of the giving of notice.
<br /> Form 3028 9/90 -
<br /> Popa Y o�o
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