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<br /> . ,� TOGETHER WITH all thc improvemcnts now or hercaRer crected an th� propcny, and ull c;�scments,appurtcnunccs,and
<br /> �1 fixtures no�v on c�reaRer u part of the property. All replacements and udditions shull nlsu be cuvered by thiti Security _
<br />_ " � Instrument. All of the foregoing is refcirccl to in this Securiry lnstrun�cnt us the "Properry."
<br />-%'• �" � BORROWER COVENANTS that Borrower is lawfully seisal uf the estatc hereby cunveycd and has the ribht to grunt und
<br /> cumcy thc Property and that thc Pmpeny is uncncumbcrcd, cxcept for rncumhrnnccti iif rcauJ. Born�wcr warrantti �md will �
<br />��; defend generally the title to the Propeny ugainst ull cluims und demunds,subject to any enrumbrunces of rccord.
<br /> '�:�-"• '' "- THIS SECURITY 1NSTRUASENT combincs uniform covcnants for nutionul usc and non-unitittm covcnants with limitcd
<br /> variations by jurisdiction ta constitute a unifarm securiry instrument covering reul property.
<br />' UNIFORM COVENANTS.Borro�vcr und Lender covenant and ugree as follows:
<br />�' "°.� 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall prmnptly pay whcn due thc
<br /> principal of und interest nn the debt evidenced hy the Note and any pn;payment imd late charges due under the Note.
<br /> - . � 2. Funds for Taxes and I�surance. Subject to npplicable law or to u written waiver by Lender, Horrower shull pay to
<br /> `.. ;;�'.,, ' Lender on the dAy monthly payment�s�re due under the Note,until the Note is puid in full. u sum("Funds")for: (a)yearly taxes
<br /> • and nsscssments which may attnin priority over this Security Instrument as a lien on the Property;(b)yearly Icasehold payments
<br /> :'�,, • or ground rents on thN Prope:rty, if uny;(c)yeurly ha�ard or property insurnnce prcmiums; (d) ycarly flood insurance premiums,
<br />±��.;=K�;`+ if any; (e)ycarly moitguge insurance prerniums, if any:and(t)any sums payable by Horrower to Lender, in �tccordnnce�vith _
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<br /> ::..;�,,,��. the provisions of paragraph 8, in lieu of the payment of mortgage insurunce premiums.These items ure called "Escrow Items."
<br /> � l.ender may, at any time, collect and hotd Funds in an amount not ta exceed the maximum umuunt u lender for u federsilly -
<br /> �,•:,7�:"�•�'%_„ related martguge loan may require for Borruwer's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> • �• 1974 as amended from time ta time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless nnother law that applies to the Funds
<br /> --.•;,�;�,: ; sets a lesser amount. If so, I.ender may, at any time, collect and hold Funds in un amount nat to exceed the lesser amount.
<br /> �"•�'�` Lender may estimate the amount of Funds due on the basis of current data and reasonnble estimates of expenditures of future
<br />;�,.,:�:�:� Escrow Items or nthenvise in accordunce with applicable law.
<br />:r:.�' The Funds shall be held in an institution whuse deposits are insured by a federal agcncy, instrumentaliry, or entity
<br /> '�°' (including Lender, if Lender is such un institutian)or in any Federal Home Loan Bank.Lcnder shal l npply the Funds to pay the
<br />;,;,;1�+,� Escrow Items. Lender may not char�e Borrower for holding ancl applying the Funds,annuully analyzing the escrow uccount,or
<br /> �"��-�� verifying the Escrow Irems, unless Lender puys$orrower interest on the Funds and applicable law permits L.ender to make such
<br />='-�"` '?' a charge. However, I.endcr may requirc Borrower to pay a one-time churgc for an independent rcal estute tax reporting service
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<br /> — used by i..ender in conneciiun wiih ihi� luun, witca� uppticubie tuw pi��ide, aii�arwise. L'al3ss an agr�.mcai is madc or
<br /> �"�.�� upplicable luw requires intcrest to be paid. I.ender shall not be requirect to pay Borrower any inrerest or earnings on the Funds.
<br /> �'°_,��,,.—"'°='�'4� Borrower and Lender may agrce in writing,however,that interest shull be paid on the Funds. Lender shall give to Borrower.
<br /> �R--=— without charge, an annual accounting of the Funds, showing credits and debits to the Funds and thc purpose for which each
<br /> debit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Security Instrument.
<br /> --'��� If the Funds held by Lender exceed the amounts permitted to be held by applicable law, L.ender shnll acconnt to Borrower
<br /> --= for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by i.ender at nny
<br /> --- time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing.and,in such cuse Borrower
<br /> --= -�°— shall pay to L.ender the amount necessary to muke up the deficiency. Bonower shall make up the deficiency in no more than
<br /> --� twelve monthly puyments,at Lender's sole discretion.
<br /> _ Upon payment in full of all sums secured by this Security Instrument, Lender shall pramptly refund to 9orrower any
<br /> Funds held by C.ender.If,under paragraph 21, Ixnder shall acquire or sel l the Property, L.ender,prior to the uequisition ar sale
<br /> ' of the Property, shall npply any Funds held by Lender at the time of acquisition or sale as a credit against the sums sccured by
<br /> _ � this Security Instrument.
<br /> � 3.Appitcatlon o!Payments.Unless applicable luw provides otherwise,all payments received by Lendcr under paragraphs
<br /> — l und Z shall be applied: first, to any prepayment cliargcs due under the Note; second, to umounts payable under parugrnph 2;
<br /> third,to interest due; founh,to principal due; and last,to any late charges due under the Notc.
<br /> - 4.Ch�rges; Lfens. Borrower shall pay all taxes,ussessnunts, charges, fines and impositions attributuble to thc Property
<br /> which may attain priority over this Security Instrument, and lcaschold payments or ground rents, if any. Borrower sl�all pay
<br /> these obligations in the manner provided in puragraph Z,or if not puid in that manner, Borrowershall pay them on time dircctly
<br /> to the person owed payment.Bonower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
<br /> , If Horrower makes these payments directly,Bonower shall promptly furnish to Lender rcceipts evidencing the payments.
<br /> _ ____ Bonower shall promptly discharge uny lien which has priority uver this Security Instrument inless Borrower: (a)agrees in
<br /> ,y� writing to the payment of d�e obligation sccured by the lien in a manner acceptable to I.ender; (b)contests in good faith the lien
<br /> by, or de:fends against enforcement of the licn in, Iegal procecdings which in the Lcnder's opinion operatc to prevent the
<br /> ---°- s enforeement of the lien; or(c) secures from the holder of thc licn an agreement satisfactory to Lender subordinating the lien to
<br /> '""�'�°'� this Security Instrument. If L.ender deterrnines that any part of the Property is subject to u lien which may attuin priority over
<br /> `�•a`�,1 this Securiry lnstrumcnt, Lender may give Borrower a notice idcntifying the licn. Borrower shall satisfy thc lien or tuke one or
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<br />� :W�;r::�« more of the actions set fonh above within 10 days of the bivmg of notire.
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<br /> —f��*"i'--'. Form 3028 8/90
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