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<br /> TOGL�TIa[?tt W1TH all tiic improvemcnts n���or hercnRee eeccted or�the property, nnd nU cascments, nppurtennnces,and ��
<br /> fextures now ar hereaRer a pnrt of the properey. All replacements nnd additions shall idsn bc covered by this Security —
<br /> Instrument.�lll of tlie foregning is refcrred t�in ti�is Security lnstrrament us thc"Property."
<br /> 8(�RROWSR COVENANTS that Borrower is lawfully seiseci of the estatc hcreby conveycd und has thc rlght to grnnt nnd
<br /> conve�� the Proacrty und thnt qie Propertv is unencumUened, except for encumbrwtces af re�:ord. Dorrowcr wnrrnnts und wlll
<br /> dcfend�enernlly the titic to the Property agninst ail cluims and demunds,subject to uny encumbrance.g af record.
<br /> 'TBIS�L�CUI:ITY INSTP.UMENT c�mhines unlform covenant�;for nnttonnl use and non-uniform covenants with litnited =
<br /> vsrintions by Jurisdicttan to constttute a unitorm security instrument covciing reai proFeny.
<br /> UNIFORM COVENANTS.Horrower�►nd Lender cavenant nnd agree as fo[lows:
<br /> 1. Paymenx af Princfpul and Interesh I'rcpayment nnd Late Charges. IIorrowcr shall promptly pay when due clie
<br /> principal of and intcrest on the debt evidcnced by the Noxe and any prepayment and late charges duc under the Note.
<br /> 2. Funds far Taxes a�xd I�asurance.Subject to applicablc law or to a written wAiver by I.ender. Bonower shull pay to
<br /> Lcnder on the day monthly paymcnts nre due under the Note, until the Nate is patd in fuU,n sum("Funds")for:(a)ycarly ttuces _
<br /> and assessments which may attein prioriry�over this Security Instrument ag a lien on the Propeny;(b)yearly leasehold payments
<br /> or ground rents on the Property,if any;(c)yearly hazard or property insurance pi�emiums;(d)yearly flood insurance premiums,
<br /> if any; (e)yeurly murtgage insurance premiums, if any; smd (�any suins payable by Borrower to Lender, in accordance with
<br /> tha provlsions of parngraph 8, in lieu of the payment of mortgAge insurance premiums.These items are called "Escrow Items."
<br /> Lender may. at :u�y time. oollect and hold Funds in nn amount not to exceed the maximum amount a lender far a federally
<br /> related mortgage toan�nay reyuire for Borrower's escrow account under the federal Real Estate Settlement Frocedures Act of
<br /> 197A as nmendeci from timc to time, 12 U.S.C.Sectton 2601 et se�. ("P.PSPA"), unlcss another lativ ttiut applies to the Funds
<br /> sets u tesser amount. If so, Lender may, at any time, callect and hold Funds in an nmaunt not to exceed the lesser amount.
<br /> Lender may estimate thc amount of Funds due on thc basis of cucrent data and reasonable esti►nates of cxpenditures of future
<br /> F.scrow Items or otherwise in accordance with upplicable law. �
<br /> The Funds shall bc held in an institution whose deposits Arc insured by a federal ugcncy, instrumentulity, or cntity
<br /> (including C.ender,if Lendr.r is such an institution)or in Any Federal Home Loan Bunk,L,ender shnll apply the Funds tu puy Ilic
<br /> Escrow Items. Lender may nat cbarge Borrower for holding und applyinq the Punds,unnually nnulyzing the escrow nccount,or
<br /> vcrifying thc Bscrow Isoms,unless I.ender pays Bo�rrowGr Interest on the Funds mid a�pplicnble luw pernyi�e I.endcr to mukc�such
<br /> a charge. However, I.ender muy requirc Bonowcr to pay a onc-ti�nc churgc for nn indcpetxlcnt rcul c�tutc tux rcp�rting scrvice
<br /> used by I.ender in connection with thiti loan, unless applicablc luw pruvides otiter�vlse. Unicss nn ugrcemcnt is mnde or
<br /> upplicAblc liiw res�uires interest to bc paid,I.endcr shall not bc requircd to pay Borrowcr uny iatcrest ar enrnings on the Funds.
<br /> tfQrfOW6i BIlO T.Cl�qc�itiuy d�icc Ii�wTltiiig� �L�A�r�M11 it1.9�iA�CTC.°+L o�:.°.�!��?'.'.f�^:2��1� R��1a, 1 n2irlwr �ttil�o}yn t�►Rnrrnwer;
<br /> wtthout churge, an annual uccounting of the Fundr,showing creciitR and debits to the Funds and tlie purposc far wbich euch
<br /> debit to the Funds was made.The Funds are pledged as additionul security for all sums secured by this Security Instrument.
<br /> If the Funds held by Lender exceed the amounts permitted to bc hcld by npplicable luw, Lender shall account to Borrower
<br /> for the excess Fundc in accordunce with the cequirements of applicuble law. Yf the amount of the Funds held by[.ender at nny
<br /> time is not sufficient to pay the Escrow Items when due. Lender may so notify Borrower in�vriting,und,in such case Sarrower
<br /> shall pay ta L.ender thc amount necessxry to make up the deficiency. Bonower shall make up the deficiency in nu more than
<br /> twelvc monthly payments,nt Lendcr's sole discretion.
<br /> Upon payment in full of ull sums secured by this 5ecurity Instrument, Lender shall pramptly refund to Qorrower uny
<br /> Funds held by I.ender.If,under patagraph 21,Lender shall acquire or scll the Froperty. Lendcr,prior to the acquisition or sale
<br /> of ti�e Property, shall apply any Funds held by Lender at the time of acguisition or sale as a credit against the sums secured by
<br /> this Securtty Instrument.
<br /> 3.Applicxtion of Payments.Unless applicable IAw provides otherwise,ull payments recelved by Lender under paragraphs
<br /> 1 end x shall be appliui: first,to any p.-epayment chnrses due undcr tlie Note; second,to amour.ts payable undcr�aragraph 2;
<br /> ' third,to intenest due;fourth,to principal due;and lust, to any late churges clue under the Note.
<br /> A.Charges;Liens. Borrower shall pay all caxes, assessments,chsrges, fines und imposittons attributable tv the Property
<br /> • which may attain priority over this Security Instrument,and Icaselio[d puyments or ground rents, if any. Borrowcr shall pay
<br /> , i?tee�o!tliaatlons i��th?mAn��r pr�vidcci in raragraph 2, or if not paid in that rnanner.Bonower shall pay them on time directly
<br /> to the person owcd payment. Boitowce shaU promptly furnish to i.endcr al1 noticcs of amoants to be paid und�r this par2graph.
<br /> If Boi�rower makes these payments direcYly,Borrower shall pmmptly furnish to L.ender rrceipts evidencing the payments.
<br /> Narrower shall promptly discharge nny lien which hns priority over this Security Instrument unless Bonower: (a)agrees in
<br /> writing to the payment of the obligation secured by the licn in a manncr acceptable to Lendar; (b)contests in good faith the lien
<br /> � by, or defcn�o <�gc+inst enforcement of the lien in, legal proccedin�s �vhich in the Lender's opinion opernte to prevent ti�e
<br /> enforcement oi the lien; or(c)sec:ures from the holder of the lien nn agreement satisfactory to Lender subordinating the lien to
<br /> this Security Instrumcnt. If Lender detcrmines tliat any part of the Property is subject to a licn which may attain priority ovcr
<br /> this Sccurity Instrument. Lcnder may give Borrower a notice identitying thc lien. Bonowcr shall satisfy tha lien or take ane or
<br /> ' more of the aetions set forth above within 10 days of thr.givin6 of noticc.
<br /> Form 3028 9/90
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