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<br /> ���� 9?-1105 'f
<br />- ..t,l,,:,�j TUGGTMER WITH ull the impruvcments now on c�reafter erccted on the property, und u�iTcusemen�,Uppurtcnanccs, cinJ
<br />- , � -' .� fixtures now on c�rcaRcr u purt of' thc properry. All rcplaccmcnts und nddltions shall ulxo bc covcred by this Sccutity
<br /> " �. Instrununt.All of the foregc�ing is referred to in thiti Security Instrument us the"Property."
<br /> HORROWBR COVENANTS thut Horrowcr is luwfully�ciscd of[hc cstatc hcrcby convcycd unJ hus thc right a�etunt und
<br /> '=��.�,��: convey the Pmperry and thut the Property iti unencumbered, except for encumbrunces of'record. Borrower warrants und will
<br /> .� �. defend�enerally the tide tc�the Property ug�inst ull cl�imti nnd demands,suhject to any cncumbrances of record.
<br /> � THIS SECURITY INSTRUMENT combineti unifornti covenunts for nutionul use und ne�n-unifurm cuvenunts with limi�cd
<br /> `'•`� variutions by jurisdiction to constitutc u uniform sccurity instrument euvcring rcal property,
<br />._�,,
<br /> t.:
<br /> UNIFORM COVENANTS. Rorrowcr und l.cndcrcovcnunt und a�rec as follows:
<br /> ==—- — 1. Nuyment of Principul and Intete�t; Prnp�yment and Late Char�es. Bo�rowcr shall promptly puy when duc thc
<br /> "''" principal of und intcrest an the dcbt evidenccd by the Note and any prepayment and latc churges JuG undcr the Note.
<br />�`�- " 2. Funds Por Tax�and Insurance. Suhject to npplicable luw or to u written wnivcr by I.e:ndcr. Borrower shull pay to
<br />��"�;; � .��• Lcndcr on thc day mrniti�ly puyments urc duc undcr thc No[c, until thc Notc is paid in full,u sum("Funds")for: (a)ycarly tuxcs
<br /> " `�`'`�` and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)yearly Ieusehold payments
<br /> :;.;�i.;�
<br /> _ '�` or ground rents on the Property, if uny; (c)y�urly hsuard or praperry insurance premiums; (d) yenrly flcx�d insurance prentiums,
<br />:'�"� � if uny; (c)yc:urly mongugc insurancc premiurr�s, if uny; and (�uny sums pnyablc by Borrawcr to I.cndcr, in nccardancc with
<br />-='•-'=• � the provisions of parugruph 8, in lieu of the payment af rnortgage insurnnce premiums. These items nre calle:d "Escrow hems."
<br /> r=„�_faln`•�• i
<br />.,���f,�,�s�. Lender mny, ut uny time, collect nnd hold Funds in an amuunt not to exceed the maximum umount a lender for a fecierapy
<br /> related mortg�ige Icnn may require for Borrower's escrow accaunt under du fedei•al Real Estate Setdement Procedures Act of
<br /> ',.':S�t•�'�r
<br /> _ .,,�,�, 1974 as amended from timc to time. 12 U.S.C. Sectian 2601 er.srq. ("RESPA"), unless another luw that app►ies to the Funds
<br /> - sets a Icsscr nmount. If so, [..ender may, nt any timc,callcct and hold Funds in an umaunt not to excced the lesser amount.
<br /> � '` �� »L • ix.ndcr may estimate the amount of Funds dus on the busis o(currcnt data and reusonuble cstimates of expenditures af future
<br />_': ��;.:•�," Escrow Items or otherwise in uccordance with upplicuble luw.
<br /> Thc Funds shall be hcld in an institution whose deposits arc insured by a federul agcncy, instrumentaliry, or entity
<br /> -, � �°i'� � (including Lendcr,if Lendcr is such an institution)rn�in any Fedcral Homc Loan Bank. Lendcr shall apply thc Funds to pay the
<br /> - •��+�'. Escrow Items. Lender may not churge Borrmver for holding und applying the Funds,annually analyzing the escrow account,or
<br />- �� � verifying the 6scrow I[ems,unless Lender pays Bc�rrower interest on the Funds and applicuble law pem�its Lender to muke sueh
<br />�.�'i' '����Y�� a chargc. However, L,ender may rcquire Aorrowcr to pay n onc•timc charge for an independent real estate tax reporting service
<br /> ':,�.;y „ used by Lcndcr in connection with this loan, unlcss applicable luw provides otherwisc. Unless an agreement is madc or
<br /> 4 - ap�licaUlc luw requires interest to be puid. Lcndcr shall not be rcquircd to pay Borrower any interest or earnings on thc Funds.
<br /> :. '1 xi'R:k
<br /> - ��r°`� ',. Borrowcr and Lcnder mny agrec in writing, however,that intcrest shall be paid on the Funds,L.ender shall give to Barrower,
<br /> withaut charge, an annual uccounting nf the Funds, showing credits and debits tu the Funds and the purpose for which cach
<br /> �`��,�5.;;��4 � debit ro thc Funds was made. Thc Funds arc plc,�iged as udditional sccurity for all sums secured by this Security Instrument.
<br /> ;„p�?:��.. If the Funds held by L.ender exceed the umounts permitted to be held by applicable law, Lender shall account to Borrower
<br /> '�'��-'� " for the excess Funds in accordance with the requirements uf applicablc law. if the amount of the Funds held by Lender at any
<br />:->�i�..�,... :
<br /> ` '����� -� time is nat sufficient to puy the Escrow Items when due, l.ender mny so notify Borruwer in writing,and,in such case Borrower
<br />..=��_r11'}
<br />.,1-�•:�.°- shall pay to L.ender the amount necessary ro make up the deficiency. Borrowcr shall make up the deficiency in no more than
<br /> �''.:�i;s': ,"'+�"� twelve monthly paymcnts,at Lcnder's solc discretion.
<br />._�:�:=;�,� Upon payment in fuU of all sums secured by U�is Security instrument, Lender shull promptly refund to Borrower any
<br /> ,:F�_.,:A.
<br />�• •_ �--� Funds hcld by Lendcr. If, under paragruph 21, Lendcr shall acquirc or sell thc Praperty, Lcnder, prior to►hc acquisition or sale
<br />-�,��:,_�%v:.'�;,
<br />--_.._._ of the Propeity, shall upply any Funds held by LenJer at the time of acquisition or sale us n credit aguinst the sums secured by
<br />=-,��,..,�.�� this Security Instrument.
<br /> � ���y 3.A Hct�tion oF Pu ments.ilnlcss a licablc law rovidcs otherwise.all a ments received b Lender under arn ra hs
<br />'�'��t�:�::r�i�� pp Y PP � P P'Y Y P E p
<br />_�°�-;i:^ .� . I and 2 shall bc applicci: first, to any prepaymcnt charges duc undcr the Note; sccond, to amounts puyable under pnragraph 2;
<br /> _'"�Y'� third,to interest duc; fourth, to principal duc; and lasi,to any late charges due undcr the Notc.
<br /> ;',��;; 4. Chnrges; [,Iens. Aorrowcr shall pay all taxes,usscssments, charges, fincs and impositions attributable to the Property
<br /> - . wbich may attain prioriry ovcr this Sccuriry Instrumcnt, and leaschold payments or ground rents, if any. Borrowcr shall pay
<br /> =�'``•:�� ��.. these obligations in the manncr provided in paragraph 2, or if not paid in that manncr, Borrawcr shall pay them on time directly
<br /> ��'j.;� �;,,` to the person owcd payment. Borrower shall promptly furnish to Lcndcr all nnticcs uf amounts to bc puid under this paragraph.
<br /> '�"�«ti�'.`. If Borrower rnukes thcse paymcnts directly,Dorrowcrshall prompdy furnish ta Lcndcr reccipts cvidencing the payments,
<br /> . �";,,,,,;-�„ Borrowcr shull promptly dischargc any licn which has priority over this Security Instrumcnt unlcss Ho►7owcr:(u)agrecs in
<br />- ' � ' . , writing to the paymcnt of thc obligation sccured by the licn in a manncr acrcptable to Lender; (b) cnntcsts in good faith the licn
<br /> ' � � by, or dcfcnds against cnforcemcnt of thc licn in. Iebal proccedings which in the I.ender's opinion operate to prcvent the
<br /> enforcement of the lien; or(c)secures from the holder of the lien an agreement�utisfactory to Lender subordinating the lien to
<br /> � this Securiry instrument. If Lender detrrmines that any pan of the Property is subject to a licn which may �ttain priority over
<br /> this Securiry Instrumcnt, Lcndcr m,ry givc Borruwcr;�nexice iJcntifyin�thc licn. Bnrrowcr shall satist'y thc licn or tuke one or
<br /> " morc of thc actions sct furth uhovc within 10 days of Ihc gi��ing of'n��ticc.
<br /> Farm 3028 9/80
<br /> Napa Y o�6
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