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<br /> TOGE'�HER WITH uU the improvements nnw or tiercafter erestcd an the prapcny,und all euscm�nt+, i►ppiirccnnnces, nnd
<br /> fixtures now or herenftr;r a part of the prop�rty. All replucemems nnd addltio�is Sl�ull llso be c�verc� by thig Security
<br /> [nstrument. All of�hc�forcgoing is refcrrcd ta in ti�is Sc;curiry Instrumcnt ns thc"Property."
<br /> BORRQWER COV�NANTS tlint 8orrnwer is IuwPully seiscc!of the cstota hcrcby conveyed and hus thc right ta Srmit nnd
<br /> convey tl�e {'ruperty�nd that the Prn��r.rty is unencumbered, except for encumbrances of rr,card. Bormwer wnrrnnts nnd will r
<br /> defend generally tha title to the P►npeiYy aguinst all cluims and demands; subject to uny encumbrances of recurd.
<br /> TH1S SECURITY INSTRUMBNT combines uniform covenants for national use and nan-uniform covenants wtth limited
<br /> variutions by jurisdiction to constitute a uniform security instrumcr�t mvering real property. .
<br /> UNIFORM COVENANTS.Borcawer and Lender covenant and nsree as follows:
<br /> 1. ��yment af P1•Incipal and Iuterest; Prepayment und l.nte Churges. Bnrrowcr sh�ll prompdy.pay whcn duc the
<br /> principal of and interest cm the debt�:videnced by tl�e Note and any prepayment and lnte charges due under the Note. 6
<br /> 2. Funds for Tnx�end Ins;urance. Subject to upplicablc t aw or to a written waiver by I..cnder. Borrower shnll pay to
<br /> L.ender an the dny monthly payments ure due under the Note. until the Note is paid in full,a sum("Eunds")for:(u)yeurly taxes
<br /> and assessments which mny uttain�riority�rver this Security Instrument as a lien on the Property: (b)yearly lensehold payments
<br /> or ground re�its an tho 1'��operty,if,my:(c)yeArly hazard or property insurance preminms;(d)yearly flood insurancc prcmiums,
<br /> if any; (c}yearly m�rtgage insuriric�e premiums, if any; and (�any sums payable by Borro�ver to Lender, in accordance with
<br /> the provisions of paragrap�i S,i�t Eieu of the payment of mot4�age insurance premiums.Thes�items are called°Escrow Items."
<br /> Lender may, at an�r ri�i3e,co31r.. ;s��J hold Cunds in an vr.ount mot to exceecl the mnximum amount a lender for a federally
<br /> related mortgage lo�n may requir.�e for Borrower's escrow account under d1e federal Real Bstate Settlement Procedures Act of
<br /> 1974:ts o►nendecl from time to�a�.ic, 12 U.S.C. Section 2601 er seq. ("RFSPA"),unless another luw that applies to the Funds
<br /> sets t►lesser amount_ If so, Lender may, at any time, collect and hold Funds in an �mount not to exceed the lesser umount.
<br /> L.cndcr may estimate the amoun� of Funds duc on thc basis of cuttent datn and reasonabie estimates of expenditures of future
<br /> Escrow Ite►ns or ot��rwise in acc:vrdance with applicable law.
<br /> Th� Funds sh111 be held in nn institution whosc deposits are insured by a federal agency, instrumentality. or entity
<br /> (including Lcndcr,if Lender i�surh an institution)or in any Federal Home I.oan}lank.Lr.nder shal!apply che Funds to pay the
<br /> Escrow Items. [.�:nder tnay�At.fi�arge Bonower for holding and applying the Funds, annually analyzing the escrow uccount,or
<br /> verifying the Escrow Items, unlr.ss Lender pays Borrower interest on the Funds and upplicable luw permits Lender to make such
<br /> a charge. Huwe��er. i.ender may mquire Borrower to puy n one-time chnrge for an independent real estate tax reporting service
<br /> uscd 'ny Lender in cu�niatiC�Ti w�t;� i:�is :^.:.^. �:.^!�ss e��+!}�nl,l�Iaw orovides othenvise. Unless an agrecmcnt is made or
<br /> aF�:icable la�v eequires intrresi_rs be p1id, Lender shall not he required to pay Bonower any interest or earnings on thc Nunds.
<br /> Bonower and Lendar may agree in writing, ho�vever, thm interest shall be paid on the IFamds. l.ender shall give to Borcower,
<br /> without chnrge, un annu�l aocounting of the Funds, showafig credits and debits to the�unds and ihe purpose for which each
<br /> debit to the Funds w�s mndc.Thu Funds are p��daed as udditional sccurity for all sums secured by ttiis Security Instrument.
<br /> If the Funcls hcdd by L�.nder exceed die�unounts pemiitted to be held�by applicable law.Lender sha11 account to Borrower
<br /> for the excess Funds in accordnnce with the requlrements af applicable law. If the amount uf the Funcls held by Lender at any
<br /> tin�e is not suf�cient to pay the Escrow items when due,l�ender niay so notify Bonawer in writing,and,in such cuse Bonower
<br /> shall pay to Lender the amaunt n+�cessary to make up the deficiency. Bonower shall mnke up the dcficiency in no more than
<br /> twclvc monthly p�ymcnts,ut l.ender's sale discretion.
<br /> U{wn pnymcnt in full af all sums secured by this Security In�trument, Lender shall promptly cefund to Iiorcower nny
<br /> Funds held by L�:nder. If,undcr pa��graph 21, Lender shall aoquirc or sell the Properry,L.ender.prior to thG acquisition or sale
<br /> of die Property.shull�pply any Punds held by L.ender at the time of acyuisition or sale as a credit against the sums secured by
<br /> this Security Instrumcnt.
<br /> 3.A�{�ldr.ati���nf P�y�nent��Unless applicable law provides othernise,all pzymenu reccived by Lender und�r parngraphs
<br /> 1 and 2 shall be applied:Grst,to any prepayttisnt charges due under the Note; second,to amounts puynble wcdcr ps►cagragh 2;
<br /> third,to inte�esc duo;fourth,�o piincipal due;and last.to any latecharges�lue under the Note.
<br /> 4.Chuigcs;Lieas.BottQwer shall psy all taxes,assessmea�s, ch�rges, fines and impositlons �tMbutsble to the Property
<br /> wliicl� may attuin priority o�cr ti�is Security Instrument, and le.�sehold payments or�sound renta. if any. Borrower shall pay
<br /> these abiibntions in thc manner yrovide�in parugraph 2,or if not paid in that mannea,l�orrower shall pay them on timc directly
<br /> to thc person owcd paynxne.Borrower�:.nS!promptly fumish to Lender�►11 notices af amounts to be paid under this paragraph.
<br /> � If Borrower mn4:cs these paymcr_ts 3irectly.�lonower shall promptly furnich to Lender recaipts evidencina the paymenu.
<br /> Borrower shull promptly cllsch�rge any iieri which ha.s priority over this Security Instnunent unless Borrower:(a)agrees in
<br /> writing to the pnyment af the obfigutim�securect by tl►e lien.in a manner ucceptable to[.ender;(b)contests in gmnd fnith the lien
<br /> by, or defends�,ninst cnforcement of t8c licn in. lega] pr�inss which in the Lender's opinion operate to prevent the
<br /> enforccmcnt of d�o lien;or (c)saures from the holder of the lien an agr�ecment satisfactory w I.ender subordinatin�the lien to
<br /> this Security in6trumcnt.If Lcndcr determines that any part of the Prope�ty is subject to a lien which may attain Qriority over
<br /> this Security InFtrument,L.ender may give Bonower a notice identifying the lien. [iorrower shull satisfy the lien or take one or
<br /> mnre of ttie c�ctions set forth nbove within 10 days of the;;e•�•ing of noticc.
<br /> — Fam 3028 9I90
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