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<br /> TOGG'fE�1CP.�Vl'i'H alt th� improvements ira�v or herea�ter crcctccl on th�'prupcnY•nnd nll cn+cmcnts, appurtc�tianccs,and �"'"�,
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<br />� fixtures naw ar h�re�s�cr n pan of' thc propcny. All repli�ccrncnt!� �md nddiiiom �iiall +d,u U� wvrr�il b�• this S:curity �—
<br /> Instrumcnt. A!I of tl�e foregoing is referrcd to in this Sccurity Instrument oti thc "Pri�p�rty.' ���
<br /> qORROWG�R COVENANTS thut�ormwcr iti luwfully +eis�:d of'thc cti�atc hc�cby cunvcycsi nnd has thc rigl�l to grant and . .�r
<br /> convcy thc Pro{x.rty and tl�at dic Property is uncncumt►crcd,cxccpt tiu cncumUranccs of rccard. H�rrmvcr wurrants and wi I
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<br /> defend generally tlie tide to the Property agninst nll cl:►ims+�nd derna°�ds,+ubjert tn uny encumbrances of'record. �, .��t�
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<br /> THIS SECURITY 1NS'fR�JMENT combincs unifom� covcnants fnr natiunal use anJ nnn-uniP���m covcn,►nts with limital `sf",•�
<br /> varialions Ny jutisdict'son to constitute a unifarm securily instrumcnt covering rcal property• �k� �
<br /> UNIFORM COVENANT5.Borrowcrand l.endcr co�cnant and a�rcc as follo�vs: �� ':�:�•
<br /> P�c�ta�ment nn�l Late Charges. 8orrowcr shaU rom d a �vhcn duc t ic
<br /> c.4�._
<br /> 1. Payment c�f I'rincipal and Interest; n p Y P,y _—�.�_�_�
<br /> priacipal of and intcrest on�hc dc6t eviJcnced by tl�e Notc and any prcpayment and late chargcs duc undcr tlic Notc. ��,..,.
<br /> Z. Funds far Tuxes and Insuc�ance.Subject to applicnble law or to a�vritten wuivcr bp I.ender. Barrawer sl�all pay to �y;,_
<br /> Lender on the day mauthly payr�cnts are due under the Note,unt.il the Notc is paid in full,a sum C'Punds") for:(a)yc:►rly taxes ��
<br /> and assessmcnts which may attain pri�ritY o�'��this Security lnstrument as a lir.n on thc Praperty;(b)ycarly Ieaschold p�yments __-_
<br /> or ground rents on tl�e Prop^.ny,if any: (c)yeatly h:wlyd or propeny insur.mce premiums;(d)ycady tlnod insurance premiums, —`u
<br />= if anq: (e)yearly ir.oracage insunnce premiumz, if any;a��d(tl any sums payable by Borraa�er to l.ender, in accordance�vitt► --w,'
<br /> , the ptvvisions of Far�graph 8, in lieu of the payment of nwrtga�e�nsur,uicc premiunts. These items are called "Escrow ltcros." ���.+,►-,r-
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<br />- [.ender may, ut any eime, collect and hold Funds in an a�nount not a excced the muxiinum umount a Iender for a fccleralty �_s,
<br />= related mortgage loan may require for Borrower's escrow account un�er the federal EZeal Estate Settlement Procedures Act of �.-_.r
<br /> 1974 us amendcd fram timc to time, 12 U.S.C. Scction 2601 et srq. C'RESPA"), unless anothcr law that applies to the Funds —
<br />- sets a lesser amount. [f so, Lendr,r may,at any timc. collcct and hold Funds in an amount not to cxcced the Icsscr a�nuunt. ._
<br /> I..endcr may estimate the amount of Funds due on the basis of current data and re;►sonable estimates of expcndiwres of fuwre _
<br /> Escrnw Items or otherwise in acconia�ice aith applicab(e law. ---..-
<br /> The Funds sliall be t�cld in an institution whose deposits are insured by a fede��l agency, instrumentality, or entity —_
<br /> (►ncivaing i.c�n3cr.+i i.ci�de��� ��r::an 6."•=.:'•�'•'•^-"•�^r in any Fcdcral Homc I.oan Bank.l.endcr shall apply tl�e Funds to pay the —_____
<br />— Escrow[tems.I��der may not d�arge Borrower for holding and applying the Fwids,annually analyzing tne escrow accouni,ur
<br />- verifying ah�:Escrow Items,unless Lender pays Borrower interest on the Funds aiyd applic:ible Inw permits Lender to make such
<br />— a churge. I�lowever, I.ender may reyuire Borrower ro pay:�one-time charge for an independent real estate tax npoiting service �
<br />— uscd by Lcnder in connection wizh this loan. unlcss applicablc la�v pn�viJes othcr�ti�ise. Unless an agrcemcnt is madc or —
<br />= applicable law reyi+ires intcrest to be paid.[.ender shall not bc rcyuircd to pay Barrower any interest or carnings on the Funds. R_,
<br />= Borrower and Lender may agrce in writing, howcvcr, [hat intcrest shall be puid on thc Funds. I.endcr shall givc to Aorrowcr, "�
<br />= witliout chargc, an annual accountiny uf th� �unds, sho�ti•ing credits and dchits to thc F�nds and thc purposc for which cach
<br />° debit to the Funds w;u made.Tl�e�unds are pledged us additionnl securiry for all sums�ecG�d by ehis Security Instrument. �,�_
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<br />— If the Funds held by Lendcr excced the amounts permittcci to bc hcld by applicablc�a«�. L.cnder shall account tu Borrawer c'`
<br /> for the excess Fuuds in uccordance with thc requiremc�us uf applicablc law. If thr mnount of the E�unds held by L.ender at any
<br />— time is not tiufficient to pay tlie Escrow Itenis when due,Lender may so notify Bonower in�vritinfi,and,in such case Borro�ver V.'r.
<br />"- shall pay to Lendcr thc amount neccssary to tnakc up the d�ticicncy. Borrower shall mnlce up thc deficicncy in no more than � '
<br />— tw elve v��ontNl y pa yments,at L.end�cr's solc discrction. `
<br />= this Sccurit In�trumcnt. L e n d c r s h a l l p r o mp t l y r c f u n d [o Borro�vcr an y �•-..�.
<br />— Upon payment in full ��f all sums sccurcd ny Y .,_
<br />'' Funds held by L.ender.If.under paragraph 2 L I.ender shall.icquire or sell the Prope�y.L.ender,p�ior to the xcqu�s►aon or sale , .
<br /> — of the Peoperty, shaU apply any FunJs hcld by Lendcr at thc timc of acquisition or s:ile as a crcdit aguinst thc sums securcd by ;.,,.,
<br />-�' this Sccurity 6�strument.
<br /> '_' 3.Applfcati�n of Payments.Unless applicablc law provides utherwise,aU payments rcccived by L.ender under para�raphs
<br /> 1 ;u�d 2 shall be applicd: first,to any peepaymcnt chargcs due undcr the Notc: sccond,to anwunes payablc under p�iragraph 2: ,
<br />�� third,to intcrest due;fourth, to principal duc:and last,to any late charges duc unJcr the Notc.
<br />;� 4. Chargcs; L[ens. Dorrowcr shall pay all taxes.assc-rsmcnts, chargcs, fincs anJ impositions attributablc to thc PropeRy
<br />': which may attain priurity over this Security ln�trument. and Icaschold pa��ments or ground rents, if any. Borrower shall pay
<br />'y these obligations in thc mann�r provided in paragraph 2.ur if not paid in tl�at munncr,Bc�rrowcr shall pay thcm on timc dirceQy
<br />� to thc person o�vcd payment. Borra�vcr shall promptly furni�h to I.cnucr all noticcs uf amountx tu bc paid undcr this para�r.�ph.
<br />�;� If Borro�ver makes duse payments direcdy, Borro�ver shall prc�mptly fun�ish to I-.enJer receipts evidencin�the paymcnts.
<br />� Borc�wcr s�.l!promptly disrhargc any lien which has priarity uver this 5ecurity Instrum.nt unlcss Borrowcr. la)agrce+in
<br />� wivcing to the payment of the obligatinn secm•ed by thc lien in a manner acceptable tei Lender. Ib) �rntetits in good faith the licn
<br />`� by, ur dcfcnds against cuforccment of th� licn in. Icgal prc�cceJings �vhich in thc L�nJer's opinion operate to prevent thc
<br />.� enfc�rcement of the lien; or(c)secures from dic holdcr cit'the lien an agreement satist:�ctory tu Lcndcr�uhordinatin�the lien to
<br /> a'-�'—� this S�curity Instrument. If Lcnder dctermincs that any pait of thc Pri�perty is subj�rt ta a licn which may attain priority ovcr
<br /> _ this 5ecurity(nst�ument. LenJer may grve 8�Q'rower a notice identifyin�►he licn.Bi�rm�ver sNall s;+tisfy thc licn cir take one ot
<br /> ;a more uf tlic nctions set fonh alwvc�vitliin 1 U days of the givin�;of notice.
<br /> Form 3020 9/90
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