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<br /> TOGG'i'NGR WITH ull thc imprc�vcmcnts now or��nfter crectcd on the praperty,and nll ciisemcntti,uppurtennnccs, and ,�_
<br /> fixwres now on c�rcaftcr u pan of thc property. All repinccmcnts And additions ;huU �dso bc covcrcd by this Sccurity ,�
<br /> Instrumcnt. All of thc foregoing is rcfcrrcd to in this Sccurity Inctrumcnt us thc"Property." _
<br /> BnRROWER COVENANTS thut D��rrowcr is Inwfblly sciscd of tlte cstntc hcrzhy convcyul and ha. thc rirht to grant And
<br /> convey the Property and thnt thc Pr��perty is uncncumUcrcd, cxcept for cncumbranccs uf recurJ. 13urru�v.:r �ti�arrants and w(Il �
<br /> mr� defend generally the tiUc to the Propeny i��ninst ull clnims and demands, �ubject to uny encumbrunces of record. �=
<br /> ' {'�=-- THIS S�CURITY INSTRUMENT cambines uniform covenants for national use and nan-unifarm covenunts �vith limited
<br /> variations by jurisdiction ta constitutc u uniform security instrument covering rcal propeny. �P
<br />� UNIEONM COVENANTS. Borrower and L.ender covenant and agree us follows: �.
<br /> Prepayment und I.ute Charges. Borcowcr shull prnmptly puy when due the �-
<br /> ' 1. Payment oP Pr�incipal and lnterest; -
<br />:;.,, . . `` principal of and interest on the debt evidcnced by thc Note and any prepayment und latc churges duc undcr thc Note. e,_
<br />_• � 2. Eltnds for Taxes und It�sttrance. Subject to applicable law or to a written waiver by I..ender. Hormwer shall pay to -°_
<br />- � "' Lender on ttze day monthly payments urc due under the Note, until the Notc i5 paid in full, a sum("Funds")for:(a)yearly taxes =-
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<br />'�y � and assessmems which may uttain priority over this Security Inatcument as a lien on the Property: (b)yearly leasehol payments —
<br />_ or ground renis on the Propeny,if any;(c)yearly hnznrd or property insurance premiums; (d)yearly flaod insurance premiums,
<br />`'',��'•".�, if any: (e)ycarly mort�uge insurance premiums, if any; and (fl any sums payuble by Aorrower to Lcnder, in accordance with
<br />�a:�',:�,�' , thc provisiorsof paragraph 8,in lieu of the payment of mortgage insurance premiums.These items are called"Escrow Irems." _
<br />;'a���,�ny.,,_ Lender may,ut any time, collect and hold Funds in un amount not t�exceed the maximum amount a Iender for a fe�erally
<br /> .;":��'�"� related morigage loan muy require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amc.nded from time to time, 12 U.S.C. Scction 2601 et seq. ("[bESPA"), unless another Inw that appiies to the Funds
<br />-�":u�"l�+�• seu a lesser nmount. If so, L.ender may, at any time, coltect und hold Funds in an amount not to exceed the lesser amount. R
<br />:..,J'..'�• I.endcr may estimate the umount of Funds due ou the basis of curnnt data and reasonable estimntes of expenditures of fueurc
<br />=�=t�!� ,�;._ Escro�v Items or otherwise in accordance with applicable luw.
<br /> "`-?'�:d�''' The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentaliry, or entiry
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<br />=•�� „ (including Lender,if Lender is such an institution)or in any Federal Home Lonn Sank.Lender shnll apply the Funds to pay t e
<br />--��• Escrow ltems.L.ender may not charge Bonower for holding:uid applying the Funds,annually analyzing the escrow account,or
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<br />�..� :� verifying the Escrow Items, unless Lendcr pays Barrower interest on the Funds and applicable law permits Lender to inake suc
<br />— �`;"�ti�.• �_�g�.t-i�w�v�r; t.ender may reuuire Borrower ta pay a onc•timc charge for an independcnt real estate tax reporting service
<br /> =T�M1� used by l..ender in connection with this loan, unless applicable law provides otherwise. Unless an agre�ment is madC or
<br />�_�� applicablc law requires interest to be paid. Lender shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> .'_�,�,,,o„� Bonowcr and L.ender may agree in writing,however, that interest shall be paid on the Funds. i.ender shall give ta I3orrower,
<br /> ---�- , without chatge. an annual acwunting of the Funds, showing credits and debits ta the Funds and the purpose far which each
<br /> — debit to the Funds was made.The Funds are pledged as additionul security for a!! sums secured by this Security Insnvment. ,
<br /> If the Funds held by Lender exce�d the amaunts permitted to be held by applicable law,L.ender shull awaunt to Aorruwer
<br /> ' fur the excess 1=unds in accordunce with the requiremen�s of applicable law. If the amount of the Funds held by [.ender at uny
<br /> time is not sufficient to pay the Escrow Items when due, I.ender may so notify Borrower in wdting,and, in such case Bonower
<br /> shall pay to Lender the nmount necessary to make np the deficiency. Borrower shall make up the deCciency in no more than
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> � Upon payment in full of all sums secured by this Security Instrument, C.ender shall promptly refund to Borcower any
<br /> °' Funds held by Lender.if,under paragraph 21, Lendcr shall acquire or sell the Property, Lender,prior to the acquisition or salo
<br /> �� of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Security Instrument.
<br /> 3.Applicatlon ot Paymen�s.Unless applicable law provides otherwise,all paymer+ts received by I.ender under para�raphs
<br /> 1 and Z shall be applled: first,to any prepayment charges due undcr the Note; semnd, to amounts pnyAble under parugraph 2;
<br /> tttird. to intcrest due;foutth.to principal due;And last,to any late charges due under the Note.
<br /> 4.Ch9rg�s;Liens. Borrowcr shall pay ull tu�tes,assessments, churges, fines and impositions attributable to the Property
<br /> which may attain p�iority over this Security Instrument, and Icasehold payments or ground rents, if any. Borrower shal!pay
<br /> these obligaiions in the manner provided in paragraph 2,or if not paid in that manner.Borrower shall pay them on time directly
<br /> . to the persan owed payment.Borrowcr shall promptly furnish ta Lender all notica of amounts to be paid under this paragraph•
<br /> . If Bonower makes these payments directly,Borrower shall promptly furnish to L.ender receipts evidencing the payments.
<br /> • Borrower shall promptly discharge any lien which has priority over this Security[nstrument unless Bonower: (a)ngrees in
<br /> writing to the payment of the obligation secured by the licn in a manncr accxptable to Lender;(b)contests in good fnith the lien
<br /> ____ by, or defend� ngainst enforccment of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
<br /> s enforcementof the lien;or(c)secures from the holder of thc licn an agreement satisfactory to Lender subotidinating tlic lien to
<br /> � _;=�-� this Security Instrument. If I.ender determines that uny part of the Property is subject to a lien which may attain priority over
<br />—�-==�:� this Security[nstrument, Lender may give Borrower a notice identifying the lien.Bonowet shail satisfy the licn or t�ke onc or
<br /> - �-=� ', more of theactions set forth above within 10 days of th�giving of noticc.
<br />--=_��� Form 3028 9/90
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