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<br /> '1'OGI:'1'N[?R�4/ITH nll Ihe Intprovenients iiow or hereaRer erected on�he proper;y,lUt(I AII C�SCI11CI119,s�ppu�te��nnces,nnd
<br /> fi�uures nor� ur I�cr�uRer � part uf thc propc�ty, All rcpinccmcnts and addfllons s7mll olso bc covcrcd by Ihis 4ccurity
<br /> Instrumcnt. All of tl�o forcgoli}�i�rctcrrcd to in this SCCUrity Instrumcnt as thc "Ymperty."
<br /> (iORROWLR COVBNAN7'S tliut fiorrawcr is luwfully scisul of Uic cstntc hcreby ronvcyul nnd hns thc rlglu ta grnnt and
<br /> a�nvey ILe Arn�xrty nnd thut th� Praperty is unencumbered, except fi�r encumbrwices of record. Oc�rrower wivrnnts and will
<br /> defciRl genernlly�ho tiNe tc►�he Praperty agninst nll cluintv nnd dennu�Js,subJect to any enciunbrunces of recard.
<br /> 'I'HIS SfiCUR17'Y INSTRUM�NT combines uniform covenmus for nnUor2.�l utic nnd non•uniform cavennnts witli lim(ted
<br /> vnriatic�ns hy}urisdictian tn constitutc a unifornt securiry instn�ment covcrfne real nrogcrty.
<br /> UNIFORM COVRNAN�'S.I3arrawcr and l.cndcr cavcnant und ugrec us followe:
<br /> i. Peyment ot 1'rinclpal pnd Inter�st; 1'rc�ps►yment and Gete CharR�es. Borrowcr shall promptly pay whcn duc the
<br /> principid af und Intcrest ou the debt evideuccd by thc Nate iuid uny prepayment und lute cl�argcs due under thc Notc.
<br /> 2. 4�vudy Pnr Toxes snd Insurxuce. Subject ta applicablc luw or to n writtcn waiver by Lender, Rorrawer shall pay ta
<br /> I.endcr on thc dny monthiy paymcnts are due undcr thc Notc, until thc Note is pald in full,n sum("Funds")for. (a)ycady tnxcs
<br /> mid assrssments which inay uttain prlarity over this Seci►rity Instroment ns o lien on the Property; (b)yc�rly Icasehold p�ym�nts
<br /> or ground rents on the Prapeny,if uny;(c)yearly ha�mrd or property insurancc prcmiums;(d)yearly Flood insurancc prcmiums,
<br /> if any; (e)yearly mortguge insurnnce premiums, if any; and (4 nny sums paynble by 8orrower to Lender, in uccordlnce with
<br /> thc provisions of pnragrnph 8, in licu of thc payment af mortgagc insurance premiums, Tlicse items urc callcd"Escrow Itcriis."
<br /> L,ender may, ut nny time, collect and hold Funds in an amount nat to excecd the m;ucimum mnuunt a lender for a federally
<br /> rclated mungage loan may requi�for$orr<>wer's escrow account under the feclerai Rcal Estute Scttlement Procedurrs Act of
<br /> 1974 ns nmended from tlme to time, i2 U.S.C. Scction 2601 et seq. ("RESPA"), unless nnothcr la�v that upplies tu the Fu�ds
<br /> sets n lesser amount. If so, Lender may, at any time, collect und hold Funds in un amoi�nt not to exceccl thc lesser amount.
<br /> Lendcr may estinmte the nmount of Funds due on the basis of current data nnd reasonable cstimates of expendi¢urcs of future
<br /> Bscrow Items or odierwise in accordance with npplicable law. -
<br /> Thc Funds shall bc held in un institution whose dcposits nre insured by a federul agcncy, instrumentallty, or entity
<br /> (including[.cnder,if l.ender is such 1n institution)or in any Federal Home Laan Bank.i,ender shall apply tlie Funds ta pny the
<br /> Escrow Items. I.enrlcr may not chnrge Borrowcr for holding and applying the Funds,nnnually analycing the escrow account, or
<br /> vcrifying the Fscrow Items,unless L.ender pays Borrower interest on the Funds and�pplicabfe law permits Lender to muke such
<br /> :i char6e. However, Lender may roquire Borrowrr to pay n one-time charge for an indep�ndent rc:al estate tiuc reporcing service
<br /> used by tAnder in connection with this lo;in, unless applicnblc Inw providcs othcrwise. Unless a� Agreement is mAdc or
<br /> npplicublc Inw rcquires intcrest to be paid,Lcndcr shall nat be rcquircd to pay Barrower nny interest or e,�►rnings on the Funds.
<br /> Banower nnd Lcnder mny ugrce in writing, however, that interest st�all be puid on the Funds. l.ender shall give to Iiorrower,
<br /> wiinoui cnargo.an unnuaf ac�uniing oi iiic �unds, �iwwi��g iiixiii5 a�iu'ucuii5 iu tiic i u�iiS�u�iu iiu:puipu�c iur wi�icrt wcn
<br /> debit to thc fiands was made.The Funds arc pledgcd us add{tional security for ull sums secured by this Security Instrument.
<br /> If the Funds held by Lender exceed the amounts permitted ta be 1►cld by upplicablc lnw, L.ender shall ticcount to Barrower
<br /> for the excess Funds in uccordance with the rec�uirements of applicable Inw. If the amount of the Funds held by Lender at any
<br /> tirrie is not sufCcicnt to pay thc Bscrow Ttems whe��due, I.rnder may so notify Borrower in writing,and,in such case Borrower
<br /> sl►all pay to i.ender the amount necessary to make up the deficicncy. Bonawer shxll makc up the dcficiency in no more than
<br /> twelve rnonthly payments,at[,endcr's s�lc discretion.
<br /> Upon payment in full of nll sums securcJ by this Sccurity Instcument. Lender shall pramptly refund to Borrower any
<br /> Funds held by l.ender.[f. under paragraph 21,I.ender shall acquire or sell tlic Propcny, Lci�der,prlor to the acquisition or salc
<br /> of the Property,�hall apply nny Funds held by I.endcr at thc timc of ncquisition or sale as a credit�gainst thc sums sa:urtd by
<br /> this Security Instrument.
<br /> 3. Applicatton ol Fityments.iJnless applicable law provides othcrwise,all payments recelvcd by i..ender undcr parngraphs
<br /> 1 und 2 shuil bc appliecl: first, to�ny p�•epayment charges due undcr the Note; second, to nmounts payable undcr paragraph 2;
<br /> third,to intcrest due; fourth,to principal duc;and last,to m�y late chnrgcs due under the Note.
<br /> 4. Charges; �.iens. 13orrower shall pay all taxes,ussessments, charges, fines and tmposftiuns attrlbutabfc to tl�e Property
<br /> rvhich muy attain priortty over this Security Instrumrnt, and lcasehold paymGnts or ground rents. if any. Bonower shall pay
<br /> tliesG obli�utions ir►the manncr pravided in paragraph 2,or if not paid in that manner,Bonowcr shall p�y them on time ditectty
<br /> co tl�c p:,ron�c:cd paymcnt.Eorrw�r sli�J!promptly flsrnIsh t�Lcndcr atl noticcs of amounts ta t;;paic!unclrr this�.ugrayh.
<br /> If Borrower makes tl�ese payments direct{y,Borruwer shall promptly funiish to Lender receipts evldencing the payments.
<br /> Dorrower s0a11 prompdy dischar�e any Ilen which has priority over this Security L�strumer,t unlcss Borrowsr. (a)agrces in
<br /> writin�to tl�e pay�nent uF the obligatimi secured by the lien in n manner ucseptuble to Irnder;(b)wntests in goal fnitl�thc lien
<br /> by, or defends n;Ai�st enforcemcnt of thc licn in, 1egu1 proceedings �vhich in the [.ender's opjnion operntz to prevent the
<br /> cnforcrment of tl�c lien;or(c)secures from thc holder of tlic licn un agrecmcnt sntisf::ctory to Lcndcr subordlnnting the licn to
<br /> this Secm•iey Instrument. If I,ender determines tl�at any pnrt of the Properiy is subJect tn a lien which may uttain priority over
<br /> this Sccurity Instrument, Lender may give Borrower u notice idcntifying the licn. Burrower shall satisfy the licn or take one or
<br /> more of thc actiuns sct forth abovc within 10 days of thc giving of noticc. •
<br /> Form 3028 9/90
<br /> Pape 2 of 0
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