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<br /> ►4QETHER WITH ull the improvements naw or hercufiter erccted an thc property,unv uli rusemcn�,, appwteuuuccs,[1I1� '
<br /> fixtures now on c�reaRer n part af thc properry. All repincements nnd udditionF shall nlso I�e covered by this Sccurity
<br /> (nstrumcnt. All c�f the fore�uii��;is rcfcrred to in this S�curity inrt►•umc>nt n5 tl�e"{'roperty.'
<br /> B(5R120WER COVENANTS that Borrower is lnwf'ully seised of tl�e estute liereby conveyeci und ha,thc right�o�;rant and
<br /> canvey the Praperty and thnt the Prnperty is unencumbereci, exccpt for encumbrances af rccarJ. Borrower wnn•iuns und will
<br /> defend gencrally ti�e titie to tlie HroRcrty�gninst all clai���s and demunds,subJcct ta nny cncumbmnses of rccord.
<br /> THIS SECURiTY INSTI�UM�NT combines uniforni c�venants for nntional usc and non•unifonn covenunts with limitul
<br /> vnrintio�ns by jurisdiction to canstitutc n uniform security inetrumcnt covcring rcal property.
<br /> UNIPOItM COVBNANTS.L�orrower and Lendcr covenant and ugrcc as folloti��s:
<br /> : �;..�:°:::�.° i.'r:.:.4C..! ^�a s::te::s:; n::r;:::�at M::a !s:s �kwrr�. �rro�e:r �!ia!! promptl; p„u ,.,l,ei2 d�e the
<br /> principal of nnd interest on the debt evidenced by thc Natc nnd nny prepi�ymcnt and lntc ch�rscs duc nndcr thc Note.
<br /> Z. �nds for'f'axes and Insurance. Subject to upplicablc li�w or to tt written waivcr hy Lendcr, Borrowcr shnll pay to
<br /> [.ender on thc day monthiy payments Are due undcr thc Natc,untii thc Notc is paid In iull,a sum("Funds") for: (u)ycarly tnxe,�
<br /> nnd assessments which may attain priority ovcr th(s Securiry Inetrument as a Ilen on the Property; (b)yeurly Icaschold payments
<br /> or�round rents on tiie Property,if uny;(c)yearly ha7;ud or prop�rty insurnnce premiums;(d)ycarly flood iasurnnce premiums.
<br /> if any; (e)yearly niortgage insurnnce premiums, if any; und (� any sums payable by 8orrower ta l.ender, in acwrdance with
<br /> the provisions cif paragraph 8, in lieu of the payment of tnartgagc insuruncc prcmiums. Thesc items are culled"Escrow It�ms."
<br /> Lender mny, aY any cime, rn(lect and hold Funds in an amount not to exceed the maximum amount a lender for a federally
<br /> related mortgage loan muy requin;for Borrower's escrow a�count under the federal Real Es[ate Settlement Frac:eciures Act of
<br /> 1974 as nmended from time to time, 12 iJ.S.C. Section 2601 et seq. ("RESPA").unless another la�v thnt applies to thc Funds
<br /> sets a lesscr amount. If so, l.ender may, at any time, collect and hold Funds in un amount not to exceecl thc lesscr amount.
<br /> Lender may cstimate the amounY off Nunds due on thc basis af cunent data and re;asanable estimatcs of expenditures of future
<br /> Escrow Items or otherwise in accordance with app]icable lnw.
<br /> The Funds shall be held in an institution whose dcposits are insured by s federal agency,instnimentality, or entity
<br /> (including Lender,if I.�nder is such an institution)or in any Federal Home Loan Bank. Lcndcr shall apply thc Funds t�pay thc
<br /> Bscrow Itcros. L.eader may not charge Borrower for holding and applying the Funds, annually lnalyzing the escrow uccount,or
<br /> vcrifying the Bscrow Items,unless L.ender pays Bono�vcr interest on the Funds and upplicable law permits Lender to make suci►
<br /> a charge. However, Lender may require Borrower to pay a one-time charge for an indepcndent rcal cstatc tax reparting scrvice
<br /> useJ by Lender in com�ection with this loan, unless applicable Inw pro��ides otherwise. iJnle�s an ngrcement is madc or
<br /> applicable law requires interest ta bc paid,I.ender shaU not be requircd to pay Bonower any interest or eamin�s on the Funds.
<br /> Bonower und I.snder may agree in writing, however, that interest shall bc paid on the Funds. Lender she.11 give to Borcower.
<br /> withaut chnrgc, an�tnnual accountin� of the Funds, sttowing credits and debits to thc Fnnds and the purpose for whlch each
<br /> ciebi[co[ne Funas was made.Tiie Funds are pledged as addi[ionaI security ior aii sums secured'ny this aecuri[y Ins[rument.
<br /> If the Funds held by l.cnder exceed the amounts permitted to bc held by upplicuble law.Lcnder shall account to Borrower
<br /> for the excess Funds in uccordance with the requirements of applicablc luw. If the amount of the Funds held by Lendcr at nny
<br /> timc is nnt sufficient to puy the Escrow Items when due, Lcnder may so notify Borrower in writing.end,in such�:ase Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Rorrower shall make up the deficiency in nu more than
<br /> twelve monthly payments.at Lender's sole discretion.
<br /> Upon paymcnt in full of all sums secured by this Security Instrument, I.ender shall pramptly refund to Borrower any
<br /> Fands held by l.ender.If. under paragraph 21,L.ender shall acquire or scll the Property.Lender,prior to the acquisition or sale
<br /> of the Praperty. shall apnly any Funds hetd by Lender at the time of acquisition or sale as a credit against the sums sectued by
<br /> this Security Instrument.
<br /> 3.AppllcstNon of PuymenGg.Unless applicablc law provides otherwise,ali paymenu received by Lender under paragraphs
<br /> 1 and 2 shall be applied: first, to any prepayment charges 6ue under the Note; second, to amounts payable under paragraph 2;
<br /> third,to interest due; faurth,to principal due;and last,to uny late charges duc under the Note.
<br /> 4. Charges;Lie��s. Borrower shull pay all taxes, assessments,charges, Gnes und impositions aitributable to the Property
<br /> which may attain priority over this Security Instrum�nt, and.leasehold payments or ground rents, if any. Borrower shali pay
<br /> these obligations in thc mam�cr provided in paragraph 2,or if not paid in that manncr. Barrowcr shall pay them on time directly
<br /> to the person owed payment.Borrawer shall promptly furnish to Lendcr all notic�s of amounts to bc paid under ihis pamgraph.
<br /> If Borr�wer makes these payments dfrectly, Borrower shall promptly furnish to Lender receints evidencing the payments.
<br /> Borrower shnU promptly dischargc any lien which has priority over this Security Ins�ntment�snlcss Borro�ver:(a)ugrces in
<br /> writing to the payment of the obligatiori secured by the lien in n manncr acceptable to Lender;(b)contests in good faith the flen
<br /> by, or defcnds against enforcement of thc licn i�i, le�al procecdings which in the Lender's opinion op�rate to prevent the
<br /> ei�furcemc:nt of the lien;or(c) secures from the holder of the licn an agreement satisfnctory to Lender subordinating the lien to
<br /> this Security Instrument. If Lender determines that any part of the Property is subject to u iien which mny attuin priority over
<br /> this Security Instrument, Lender may givc Horrowcr a nutice identify�ing tiie licn. Borrou�er shall satisfy tl�c licn or t�tke one ar
<br /> more of the actions set forth above within 10 days of the giving of noticc.
<br /> Form 3028 9/90
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