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<br /> T00�7'H�R WITH all the impmvemc�nGv now or here,uRer erected on the propeRy,nnd ell eusements,t�ppurtenances, •" ��
<br /> "'""� and fixturea now or hereufter u part of the prnperty. All reptacements and additiona ehall�lsa be covered by shis 3ecuriry ' �'-- ��'"
<br /> N':,,'�T�'w:� _`_ '
<br /> • In�trt+ment. All of the fore oin ia referred to in this Securi Instrument as the"Pra rt ." h T.� _'"""`
<br /> b' 8 �Y P� Y -r�,'P'�'e-
<br /> '' � BORROWER CQVENANTS that Borrower is lawfully seised af the cstate hercby conveyed and ha.s the right to grant . _
<br /> and convoy the Property and that the Propeny is uneneumbered,except for encumbrnnces of record. Borrower�vnrrnnts smd �° � L �°l�:'�
<br /> ' '" will defend generfiliy the dtle to the Property ugainst all clafmR and demands,sub ect to an encumbrances of record. ��'"�'_='�=�-
<br /> j Y r�.'�a�. <� .,,.,. .
<br /> � THIS SECURITY 1NSTRUMENT combines uniform covenants for nntianal use and non•untform c�venants with `-: .= -
<br /> limited variations by jurisdiction to constlwte a uniform securiry instrument cov�ring reul propeny. . ';,;.:;G_'-'=
<br /> ' UIVIFORM COV�IVANTS. �:,rrower arj�Lender covenan:as�agrcc s�follows: =_`�•'�±_''�--=- -_-
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<br /> 1. Payment of Principal aad Iatereat;Prepaymeat and La4e Charges. Bo�rowcr shall promptly pay when dne the �� .,':.,,� :_____
<br /> pr3ncipal of and interest on the debt evidenced by the Note and any prepuyment and late charges due under the Note. •� :•.-„�
<br /> 2. �ads for'Nxes and Iasuranse. Subject to applicable law or to a written waiver by l.ender.Borrower shull pay to , -�',u
<br /> ixnder on the day monthly paymenu are�ue under the Nate,unul the Notc is paid in full,a sum("Funds") for. (a)yearly :„��--
<br /> taxes and assessments which may attain priority over this Security Instrument as a lien on the Property:(b)yearly leasehold - %�*� -_ _
<br /> a menta or und rents on the Pro y (c) yearl hazard or ro �nsurance remiums: (d) yeady flood `��'`��-�
<br /> P Y � percy. if an : Y P PeriY � P ._;:-;�.�,—
<br /> Insurance premiums, if any; (e)yearly mortgage insurance premiums, if any;and(� any sums payable by Borrower to . _._--�-�
<br /> Lender.in acwrdance with the provisions of paragraph 8,in lieu of the payment of mortgage insurance premiums. These � :,�,..
<br /> items are called"Escmw Items." Lender may,at any time,collect and hold Ft�nds in an amount not to exceed the maximtun ':;'`:;�__`�-=-
<br /> aatount a tender for a federally related mortgage loan may require for Borrowe�'s escrow account under the federal Real •--- -
<br /> Estate Settlement Procedures Act of 1974 as amended from ume to time. 12 U.S.C.§2601 et seq.("RESPA"), unless another . ='=—
<br /> .. law that applies to thc Fur.�js seu a 1^sser am�unt. If so,Lender may,at any time,collect and hold Punds in an amount not to ' .,C t,:-.__
<br /> ° exceed the lesser amount. Lender .nay est��nat.• the ai��unt of Funds due on the basis of cusent data and reasonable •• : -
<br /> ' ''� • esdmates af eapenditures of future Escrow Items or otherwise in accordance with applicable law. . - ';�
<br /> •.� • The Funds shalt be held in an irtstitution whose deposits a� insured by a federal agency,instrumentaliry,or entiry , - ___
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<br /> ' (including Lender,if Lender is such an institution)or in any F e de r a l Home l.oan H a n k. Len der s h al l apply the Funds to pa y ,�---_
<br /> ° � the Escrow Items. Lender may not charge Borrower for holding and applying the Fhnds, annually analyzing the escmw ��5; _, ___ -
<br /> ° ' account, or verifying the Escrow Items,unless LFnder pays Borrower intecest on the Funds and appiicablle law permits ,;r�• ' '.-}�;;
<br /> . Lender to make such a charge. However,Lender may require Borrower ro pay a one-time charge for an independent real . f��,,.;
<br /> , estate tax reporting service used by i..ender in connecpon with this loan,unless applicable law provides othenvise. Unless an -___
<br /> agreeittent is made or applicable law reguires interest to be paid,Lendcr shall not be required to pay Borrower any interest or ., _
<br /> � earnia�s on the Fl�nds. Borrower and Lender may agree in wriGng,however.that intemst shall be paid on the Funds. Lender •- �- _ -
<br /> � shall give to Borrower,without charge,an annual accounting of the Funds,showing credits and debits to the FLnds and the � x '' ,��.�°
<br /> .. .
<br /> „ . purpose for which each debit to the Fltnds was made. Thc Funds are pledged as additional security for all sums secured by r� � •
<br /> , this Security inswment. )� ��
<br /> �}: If the Pwnds held by L.ender exceed the amounts permiited to be held by applicable law,Lender shaiI accounc to - `
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<br /> ;�;!�;;,;';�; � Borrower for the excess Funds in accardance with the requirements of applicable law. If the umount of the Funds held by } •�;:,`•«;�,
<br /> �;�••1'�� I.ender at any time is not sufficient to pay the Escrow liems when due,Lender may so notify Botrower in writing,and,in � ' ��i'^°•����;- �
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<br /> • , • such case Borrower ahall pay to L.ender the amount necessary to make up the deficiency. Borrower shali make up the {;'•;:s..' • ��51
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<br /> � • deficiency in no more than twelve monttily payments,ut Lender's sole discretion. `i`�,� �'��`?'`�
<br /> `����' Upon payment in full of all sums secureci by this Securiry Inswment, Lender shall promptly refund to Borrower any , �".-
<br /> � Funds held by I.endcr. If,under para�raph 21,I.ender shall acquire or sell the Property,Lender,prior to the xquisition or �
<br /> sale of the Property,shall apply any Funds held by Lender nt the time of acquisition or sale as a credit against the sums ;�, ,
<br /> secured by this Securiry Instrument. � • r .. -
<br /> 3. Applieation of Payments. Unless applicable law provides othenvise,al! payments received by I.ender under , _ , , .
<br /> paragraphs 1 and 2 shall be applied:first,to any prepuyment charges due under the Note;second,to amounts payable under ',�}:;, • �.� � �
<br /> paragraph 2:third,to interest due;fourth,to principal due;and last,to any lute charges due under the Note. •4;' `
<br /> - 4. C6arges; LIens. Bocrower shall pay all taxes, assessments,charges, fines and impositions attributable to the o�
<br /> 1 l:�.-"'
<br /> ' property which may attain prioriry over this Security Instrument,and ieasehold payments or ground rents,if any. Borrower � ;�a;4�� ___��
<br /> shall pay these obligations in the manner provided in paragraph 2,or if not paid in that manner,Boaawer shall pay them on �rtF° . �-
<br /> " time dinxtly to the person owed payment. Borrower shall promptly fumish to Lender ull notices of amounts to be pnid under , • • ,��yq
<br /> � � this paragraph. If Borrower makes these puyments directly,Bortower shall promptly fumish to Lender rcceipts cvidencing ;.� ,�.,;�..
<br /> .:, �epayments. �..��..
<br /> Borrower shall prompUy discharge any lien which has prioriry over this Security Instrument unless Borrower:(a)agrees �,_.'Mr ••. ,,,�_'�
<br /> . in wridng to the payment of the obligation secured by the lien in u manner acceptable to Lender;(b)contests in good faith the '.:•f},y;�. _�n,,.
<br /> , lien by,or defends against enforcement of the lien in,legai proceedings which in the Lenderk opinion operate to prevent the `
<br /> enforcement of the tien;or tc)secures from the holder of the lien un agreement satisfact�ry to Lender suhordinating the lien • _ ��•�_
<br /> � to this Securiry Instrument. If L,ender determines that any part of the Property is xubject to a lien which may attain prioriry ;' ,�,.
<br /> " . over this Security Instrument,I.ender may give Horrower a notice identifying the lien. Borrower shall satisfy thc lien or take �
<br /> one or more of the actions set funh ahove w ithin 10 duys of the giving of natice. ( ;,t;�,•• '��
<br /> 5. Hazard or Property Insurance. Borrowcr shall keep the improvements now existing or hereaNer crected on the I _
<br /> , Property insured against loss by fire,hazards induded within the temi"extended coverage"and any other ha�ard�.including i '�%',.��'�= •-
<br /> tloods or flooding, for which Lender mquires insurance. This inwrance shall he maint:�incd in the amounts and for the � .. � ,'`'�.>`.-
<br /> x,��;�
<br /> Form 3028 9/90 I/��xr:��f n pnxrs� • � -
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