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<br />-�` . TOGETHER WITH all thc improvements now on c�reafter�•rected on the property,und uU caycments,uppur[cnunccs, nnd —
<br /> =`'-�-� fixtures now ar hereafter a part of the property. All replacements and additions shall also be covcred by this Sccurity _
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<br /> � ; [nstrument. All of the foregoing is rcicrred to in this Sccurily Instrument as the"Property. _
<br /> BUKKOWER COV6NANTS thut Borrowcr is lawfully sciscd nf the estutc hcreby convcycd und ha�thc right tu gr�mt und _
<br />"=;. :rT° convcy thc Property und thut thc Property is uncncumtxral, cxccpt for cncumbrunces nf record. Borrowcr warrants und wi��
<br /> _ -- defend bcncrally thc tide to thc Properry ugninst idl cluims nnd dcmunds,subject to nny cncumbrunccs of rccord.
<br /> � THIS SGCURITY 1NSTRUMENT comhines unitunn cc�venunts for nutional use und nun-uniPorm covennnts with limited
<br />—� vuriutioi�s by jurisdictinn tn cunstitute u unifarm security instrument cuvering reul prope�ty.
<br /> ,•��::•_:'.:�,,� UNiFQRM COVEN!1NTS. sorrawer und l.endcr covcnunt und agrec�s folluws:
<br /> ' � 1. Payment of Pr{ucipal and Intcr�t; Prep�ymcnt �aed l.atc Churges. B��rrowcr shull promptly pay when duc thc `
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<br /> =°,���• principid of und interr.st an thc debt evidenced by the Note nnd un re a ment and Intc churgcs due under thc Note.
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<br /> '�:'"'�'+A� � 2. Funds lor Taxcw and Insurance. Subjcct tn applicublc law or to u writtcn wuivcr by l.endcr, Borrowcr sha pay ta
<br /> -,-.• . . I..ender an thc duy manthly payments ure duc under the Notc, until thc Notc is paid in full, u sum("FunJs"?for: (a)yearly taxes
<br /> �• , and ussessments which muy uttuin priority over this Securiry Instrument as u lien on the Property;(b)Yeurly leusehold puyments
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<br /> ,�.,..,�a or ground rents on the Property, if any; (c)yearly huzurd or property insurance premiums;(d)yeurly tlood insurance prem ums,
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<br /> °.Y�.,:.,.�,.., if any: (e) ycarly mortgage insurance premiums, if any; and (� any sums payable by Borrower to C.ender, in accordance wi
<br />�'`�'?�'�'�'•� the provisions of paragruph 8, in lieu of the payment of mortgage iusurance premiums.These items are caUeci"F.�crow Items." �_
<br /> -;;���?,',�,.,,�3�-' L,ender may. ut uny time, collect and hold Funds in an amount not to exceecl the maximum amount u lender for u federally
<br />-• ' � , rcluted mortgage loan may require fbr Bo�TOwer's escrow account under the federal Renl Estate Settlement Procedures Act of �
<br />'''�°`� •� 1974 as umended from time to time, l2 U.S.C. Section 2601 et seq. ("RESPA"),unlcss another law that applies to the Funds
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<br />''�='' • sets a lcsscr amount. If so, Lendcr may, at any time, collect and hold Funds in un amount not to excecd the esser umnun.
<br /> - '�' I.ender may estimate the amount of Funds due on the basis of cuttent data und reasonable cstimates of expcnditures of future
<br /> ������r `` Escrow ltems or otherwise in acwrdance with applicable law.
<br /> ��� ' The Funds shall be held in an institution whose deposits are insured by a federal agency, instrurnentality, or entity
<br /> :�r'�•'�� (including I.ender,if Lender is such nn institutian)or in nny Federal Home Loan Bank.Lender shall apply the Funds to pay the
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<br />:�7�; ;,' Escrow Items. L.ender may not churge Borrower for holding and applying the Funds, annually analyzing the escrow accoun,or
<br /> "°:�" " vcrifying the Escrow Items, unless Lender pays Borrower interest an the Funds and applicablc law permits Lender to make such
<br />=''��"F' �; ''� a charge. However, L.ender may reqwre Borrower to puy u v�ic-ii�r�chargc.`ar an istde�enden�m:�l�cr:�te tax reportin�service
<br /> - '��'���� usecl by Lendcr in connection with this loan, unless applicnble Iaw provides otherwise. Unless un agrcement is made or
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<br /> - -=f lY�w� applicable Inw requires interest to be paid,Lender shall not be►•e�uireci to pay Borcower any interest or eArnings on the Funds.
<br /> __`.��ti� � Borrower and Lender may agree in writing,however, that interest shall be puid on the Funds. Lender shall give to Borrower,
<br /> without charge, nn annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> " �;'�� dcbit to the Funds was mudc.1'he Funds are pledgcd as additional security for all sums secured by this Security Instrument.
<br /> {-'3���'�� If the Funds held by Lender exceed the amounts permitted to be held by applicablc law, Lender shall account to Borrower
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<br />=,�,��a _,.� for the excess Funds in accordunce with the requirements of applicable law. If the amount of the Funds held by n er ut any
<br /> �;^�t•�:�^ ttme is not suft"icient ro pay the Escrow Items when due,I.cnder may so notify Barrower in writing,and,in such case Horrower
<br /> �'��� shall pay to Lender the umaunt nceessary to make up the deficiency. Fiorrower shull make up the deficiency in no more than
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<br /> =X„;w,,,g:,a�a twelve monthly payments,at Lcnder's sole discretion.
<br />"��1;,T"5,`;�'� Upon payment in full of all sums secured by this Security lnstrument, l.ender shall promptly refund to Bonower any
<br /> ���"--' �unds held by Lender. If,under paragraph 21,Lc ndcr shall acquire or sell the Yroperty,L.cnder,prior to the acquisition or sale
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<br />-=:;:_��'�:-�• of the Property,shaU sppl>�any FunJ�I�cIJ by L.endcr at iiic:iu:e Uf�C!�ti�L1rinn r.r�^Ie�s n credit against the sums secur y
<br /> "°`� ��.:-`.y this Security Instrument.
<br /> N._;ryr}�;": 3.Applicntfon of Payments.Unless applicat�le law provides otherwisc,all payments rcceived by I.snder under paragraphs
<br /> -`������'� 1 and 2 shall be applicci: first, to any pnpayment chargcs duc under the Note; sccc�nd,to amounts payablc under�aragraph 2;
<br /> `�'�".1'�`�� '�� third,to interest due;fourth,to principal duc;and last,to any lute chargcs duc under the Note.
<br /> - '-��� '-•' 4. Churges; Liens. Borrower shall pxy aU taxes,assessmcnts, charges, fines anJ impositions attributable to the Property
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<br /> =��:va.�v�. which may attain priority over this Security Ins[rument,and Ieasehold puyments or ground rents, if any. Borrower shall pay
<br /> '�=''� �` ` thcse obli ations in the manner provided in paragraph 2,or if not paid in that manncr,Borrowcr shall pay them on time direcdy
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<br /> "%t'� •,��:' �` ro thc person owed payment, Borrower shall promptly fumish to Lendcr all notices of umounts to bc paid under this paragrap .
<br /> � If Borrower makes these payments dirccNy,Borrower shall promptly furnish to[.ender receipts evidencing tl�e payments.
<br /> ' Borrower shull promptly disrharge any lien which has priority over this Security Instrument unless Borcower; (a)agrees in
<br /> � writing to the payment of the obligation secured by the lien in a munner acccptable to Lcnder. (b)contests in good faith the lien
<br /> '� �, by, or defends against enforccment of the lien in, Icgal procecdings �vhicb in thc I.ender's opinio�� uperatc ro prcvent the
<br /> ` enforccmcnt of thc licn; or(r) sccures from thc holder of thc licn an agrectncnt satisfactory to Lendcr subordinating thc lien to
<br /> ;� this Security Instrument. If Lender Jetermines that uny part of the Property is suhject to a lien whidi may attain priority over
<br /> this Scrurity Instrument, Lendcr may givc Borrowcr u noticc identifying thc licn. Borrowcr shall sutisfy thc lien or take onc or
<br /> ntore of the actiims set forth above within 10 dayti c�f thc giving uf notice.
<br /> Form 3028 9/90
<br /> Popc 2 0l 0
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