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<br /> 7'OCiF:THER WITH nU thc improvcments now on c�rc:►ftcr arcctcd on thc rn n nnd all cnsemcnts,uppw'tcn�uuc�, uiul
<br /> � fixtures now ar licrc�iftcr a part of thc properry. All repincrmcnt+ :ind iidditirnis �hnU uls�, t�c covcrcd hy ihf� Sccurily
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<br />.�.;.�•. Imtrumcnt. All ot thc furcgning is refcrred to in this Sccurity Instrununt us thc"Property."
<br /> r.. qnRROWER COVENANTS thtU Borruwcr is I.iwfully sciticd uf thc c�unc hcrchy canvcycd i�nd Nns�h� right tu grnnt iina
<br /> coavey the Propeny anci that the Pro}xrty is unencumbered,exccpt fur encumbruncc+ uf record. t3orruwer �vnrriim� �md wlll �
<br /> _�-;. ,, defend gcner.dly the titic to the Properiy against i►11 cluims+md demands, tiubject to uny encumbrunces ol'rccard.
<br />_�� �?�� THIS SECURITY INSTRUMENT crnnbincs unif'onn covcnunts for nntionul usc und non-uniform cuvcnnnt, with limitcd
<br />:�*'"� variatiom by jurisdiction to.constitutc u uniform security instrument cuvcring rcul praperty.
<br /> � UNIFORM COVENANTS. Borrower and Lender crnenant nnd ugrec us follows:
<br /> �-=� la Payrnent aP Prfncipul and Inter�t; Prepayment and Late Char�es. Born�wcr shall prompdy puy when due the
<br /> .•�a� principal of and interest on the debt e�•idenced by the Note und any prepayment und late charges due under the Note.
<br /> '`����': 2, Funds far Taxes and Insurance. Subject to applicnble law or to a written waiver by I.endcr, 8orrower shall pay to
<br /> �,,_��;:_�.-= � l..ender on theday monthly payments nre due under the Note,until the Note is paid in full,a sum("Funds")for:(u)yeadY taxes
<br /> �� ig:vr� :
<br />'E�;r,,;, and nssessmenis which rnay attain priority over this Security lnstrument as a lien on the Property;(b)yearly leascho puyments
<br /> -!��'�"�:, or ground rents on the Property, if any;(c)yearly h:uard ar propeny insurance prcmiums;(d)ycarly flood insurance premiums.
<br />--��t�%`.�a". if any; (e)yeady mort�age insurance premlums, if any: and(� any sums payuble by Borrower to [.ender, in accardance with
<br />�'i i�=�'`� the mvisionsnf paregraph 8, in lieu of the payment af mortgage lnsurance premiums. These items are called"Escrow Items." i
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<br />.�; r-%r.;,,� I,ende. may,,�• '+ny p�i� c�Ilect u� 1 hold Funds in an amount not to exceed the maximum amount u lender for a fede y
<br />��`'"�L�r�; related mortgage loan n�ay requirr for Borrower's esrraw account under the federnl Real Estate Settlement Procedurss Act of
<br /> '���:1,y 1974 as amended from time ta time, 12 U.S.C. Section 2601 rt seq. ("RESPA"), unless another law that applies to the Funds
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<br />-"�'•�.�°c-� sets a lesser amount.If so, Lender may, at any time. cullect anci hold Funds in an amounc n�ot to exceed the lesser amount_
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<br />`:':T,;.�` Lender may e.�►imatc the amount nf Funds duc on the busis of current data and reusonahlc estimates of expenditures of uture
<br />'�"*p� Esc�ow Itemsor otherwise in accordance with applicable law,
<br /> -���'y� The Funds shaU be hcld in an institution whose deposits s►re insured by a federul agency, instrumentality, a- entity
<br /> "�=�� (including Lender, if Londer is such an institu[iun)or in Any Federal Home I.c�an Bank.l.ender shall apply the Funds to pay the
<br />--_�issa� Escrow Items.L.ender rnay not charge Borcower for holding and applying the Funds, annuall�•analyzing the escrow accoant,or
<br /> =-a��.�� verifying the Escrow Items, unless Lender pays Bonower intere�t on thc Funds und applicuble law permits Lendcr to make such
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<br /> --__��� a chsrge.H^Wever:I.�nder may reauire Barrower to pay a one-time charge for an independent real estate tax reporting serv�c,.
<br /> -�"�'•�� used by Lender in conncctlon �vith this loun. unless npplicable law provicles otherwise. Liniess un agrrxu�:d �s ���a�c �s
<br /> ���� applicable law require� interest to he paid,Lender shall not be required to pay Borro�ver any intarest or earnings on the Funds.
<br /> �3",-%�'�' gorrowcr and Lender may agree in writing, however, that interctit shall be paid on the Funds. Lcnder shall give to Borrower,
<br /> �"-�;— witliout charge. an annual accuunting of the Funds, showing credits and debits to the Funds and the purpose for which eaeh
<br /> debit to the Funds was made.The Funds are pledged as additional security for all sums securect by this Security Instrument.
<br /> If the Funds held by Lender exceed the amounts permttted to be held by applicable inw, Lender shall account to Borrower
<br /> for the excess Funds i n accordance with the requirements of applicable lnw. If the nmount of the Funds held by I.ender at any
<br /> tim: is not sufficient to pay the Escrow Items when due,Lender may so notify Bonower in writing, and,in such c:ase Borrower
<br /> shall pay to I.ender the amount necessary to make up the deficiency. Bottower shall mske up the deficiency in no more than
<br /> twelve monthly payments,at I.ender's sole discretion.
<br /> �— Upon paymcnt in full of all sums secured by this Security Instrument, Lender shull promptly refund to Borrower ariy
<br /> Funds held by Lender. lf, under puragraph 21,Lender shall acquire or scll the Property.I.ender,prior to the acquisition or sale
<br /> of the Property,shall apply any Funds held by Lender at the time of 4cquisition or sule as n credit against the sums secure�by
<br /> this Security Instrument.
<br /> 3.Applicatton of Puyments.Unless applicablc law provides otherwise,all payments rcceived by I.ender under patagraphs
<br /> 1 and 2 shall be applied:first, to any prepayment chargcs due under the Note; second,to amounts payuble wider paragraph 2;
<br /> -- third.to interest due; fourth,to principal due;and Inst,to any l�te charges due under the Note.
<br /> 4.Chorges; Llens.Borrower shall pay all taxes,assessments,charges, fines and impositions attributable to the Praperty
<br /> which may uttain priority over this Security Instrument, and lcasehold payments or ground rents, if any. Borrower shall pay
<br /> these obligations in thc manncr provided in paragraph 2,or if not paid in that manner.Borro�ver shall pay them on time diroctly
<br /> � to the person owed payn�ent. Rorrower shall promptly furnish to Lender all notices of amounts to be paid under this paragreph.
<br /> If Borrower makes these payments directly.Borrower shal I promptly fumish to Lender receipts evidenciug thc payments.
<br /> Borrower shall promptl}�discharge any lien which has priority aver this Security Instniment unless Borrower:(a)ugrees in
<br /> writing to the payn�ent of the obligntion secured by the lien in n manner acceptable to Lender; (b)contests in gewd faith the lien
<br /> --_ by, or defends against enforcemcnt of the lien in, Iegal proceedings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lie;n;or(c)secureti from the holder oF the licn an agrcement satisfactory to Lender subordinating the lien to
<br /> � this Security Instrum.:nt. If Lender detennines that any pan of the Property is subject to a lien which may attain priority over
<br /> _- this Security Instrument, L.endcr may give Borrower u notice identifying the lien.Borrower shall satisfy the lien or take one or
<br /> —° —�'m more of thc actions s�t fm•tli above within IO days of thc�iving of nntice.
<br /> -�°—'�'`��f Fam 3Q28 9/90
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