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<br /> 'i'OGE1'FIER WITf�all !hc improvemcnts nuw on c�reafter crccte,d on th�prape�ty,�nd ull casemc�its,nppurtcn�nccs, nnd
<br /> - fixwres now nr hereaftcr a part of the propcny. Atl repinccmcnts and ndditf�nv shall ulso bc r.ovcred by this Security
<br /> � � InstrurncnY.All of the foregoing is refcrrecl to in tl�is Security Instrument us thc "Property."
<br /> - _---__ �.._ BOQROWGR COVENANTS thal8ur�ower�s lawfully sciscd of the cstnte hereby conveyccl nn�l hiGti the right to grant nnd
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<br /> - --' convey the Property nnd that Uie Prupeuy iti unencumb�,ra,c�u:pc tur encumbr�nccs of�ecord. 8arratver warr�nts an�! will
<br /> --- defend genenlly th�title ta the Praperty ag�inst ell claims nnd demar►ds,subjec.t to uny encumbranc�s af record.
<br /> :...� TH1S SBCURITY INS'3'RUMENT combines uniform rovenunts for national use and non-unifornti cavenants wiih timital
<br /> variatians by jierisdiction to constitute a unifarm security i��steument c�vering real property. 6
<br />__-�� UNIFORIVI COVENANTS. Horrowcr und l..ender covenant:u�d agr�;e as follows:
<br />___���� l�P�yment o!Princlpal and Interest; Prepayment and Late Chu��. Borrower shall pramptly pay whcn due the
<br /> _ _= principal of and intcrest on the debt cvide�iced by the Note and any prepaymcnt and late charges due undcr tl�c Notc.
<br /> ---� — 2.Etinds tor Taxes o�d Insurance. Subject to applicablc law or to a written waiver by lxndcr, Borrowcr sl�aU pny to
<br /> =_—=--" l.ender on the dny monthly payments arc duc undcr thc Notc,until the Note is paid in fuU,a sum("Funds")for:(a)ycarly taxes _
<br /> ���~��`-c:�� and asscssmcnts which may attnin priority over this Security Instrument as a lien on thc Property;(b)yearly leaschold payments
<br /> '�.-,�-���� or ground rents on the Praperty, if any;(c)yearly hazard or property insurance premiums;(d)yearly flood insurance premiums, _=
<br /> -"'—� if any;(e) yca�ly mort�age insurance premiums, if any;and(� any sums payable by Borrower to Lender, in accordance with
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<br /> --..4�„a,;�, thc provisiars of pangraph S,in lieu oF the payment of mortguge insurunce premiwns. Thesc items are called "Escrow Items." _
<br /> _ fi`'r=f6"-`,r'�,. L.ender may, at any time, collect and hold Funds in an amount not to cxcced the maximum amount ct Icnder for u fcderally ___
<br /> _-�`;a'.,:u ^ related mortgage loan may require fur Borrower's escrow account under the federal Real Estate SetNement Procedures Act of --
<br /> - ' :<._�' 1974 ac ununded fram time m time, �2 U.S.C. Scction 7.6U1 et sey. ("RESPA"), unless another law that applics to the Funds �,_.:�:
<br /> ,;;�,�.;1;� � sets a Iesser arnount. lf so, Lcnder may, at any time, collect and huld FunJti in an umount not to cxcecd thc Icsscr amount. r- -'
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<br /> Lender may estimate the amount of Funds duc on the basis ef current data and reasonable cstimates of expenditures�f future
<br /> •:�. ,� Escrowltems orotr,�naise in accordance with applicuble law. ��"�c
<br />. '. ;' `^�Z�,� "d'he Funds shall be held in un institution whose deposits nre insured by a fecieral agency, instrumentality, or entity ir.-_
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<br /> . " ,, �mcludin� Lender, if Lender is suc6 au inatitutioni��r i��a��y Fe.ie�af 1 fomc{.aan Bar'�. Lender shall apply the Fundc tn�ay the �'-=
<br /> � •�:� Escmw Items. I.ender ma not chur e Borrowcr for holdin and a I m the Funds,annuall anal zin the cscrow account, or k�"`�`
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<br /> ' �'' ; verifying the Escrow Items, unless Lender pays Rorrower interest on the Funds and applicable law permiGs Lender to make such �__�
<br /> ' -• ' a charge. Nowever, I.ender rnay rcyuire Borrower to pay a one-time charge far an independent rcal estute tax reporting service
<br /> - . used by Lender in connection a�ith this loan, unless appUcab�e �aw providc� o[herwise. linicss un agrr,c�nen� is waur. u, �
<br /> "�y.. applicable law rr.quires interest to be paid, l.c:ndcr shall not bc requircd to pay Borrower any interest or camings on the Funds. ��F,?;;
<br /> '' y Borro���cr and Ltndcr may agrce in�vriting, however, that irterest shall be paid on th� Funds. Lender shall give to Borrower. �_�-
<br /> without char�e,an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each E�'
<br /> � :�' debit to the Funds was made.The Funds are pleciged as udditional security far�II sums secured by this Securiry Instrument.
<br />, -;;'�;l �,• Y If the Funds held by Lender exceed the amounts pennitted to be held by applicable law.Lender shall account to Borrower �,4'�
<br /> .__ x�• .�:�•;3• for the excess Funds in accordance with thc requirements uf applicable law. If the amount of the Funds h.ld by Lender at any �'M`
<br />-;�=�n'�`�""� time is not sufficient to pay the Escrow Items when due,l.ender may so notify Bonower in writing, and, in such case Bottower ��`,�
<br /> - •'^"'�•� shall pay to Lender the amount necessary tu make up the deficiency. Borrower shull rnalce up the deCciency in no more tlian
<br /> ` �. = �� twelve mnnthly payments,at I.ender's solc discrction. '`•�
<br /> .-�-- • • Upon payment in fu!1 of ull sums sccured by this Scwrity [nsm�mcnt, Lendcr shall promptly refund to Borcower any _
<br /> ��"���'''�`"� Funds held b Lcndcr If,undcr ara*ia h 21,Lender shall ac uirc or sell the Pro ert Lender, rior to the ac uisition or ssle
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<br /> =.��;;;;��*r,4rr,• ' of the Property,shall apply any Fwids held by Lender at the time uf Acquisition or sale as a credit against the sums sec;ured by ,r t
<br /> ° �`'�`�"°��, "� this Security Instrurnent.
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<br /> •� ; 3.Applieatton of PAyntents.Unless applicable law provides otherwise, ull payments received by Lx:nder under paragraphs �
<br /> � �:� 1 and 2 shall 8eapplied:first,to uny prepayment charges due under the Note; second, to amounts payable under paragraph 2; .
<br /> third, ta interest duc;fourth,to principal due;and lust,to uny latc charges duc under thc Notc.
<br /> ,"� ;, `� 4.Chnrges; Ltens.Borrowcr shall pay all taxcs,asscssmcnts, charges, fineti and imposmons uttributablc to the Property
<br />- r,�i°''.f. which may attain priority over this Securiry Instrumcnt, �r�d Iwschold payments or�round rents, if:my. Horrower shall pay
<br /> `f.,•,.,..:_ ,t these obligations in the manncr providcd in para�raph 2,c�r if not paid in that munncr, Borrower shall pay them on time directly
<br /> ., to the person owcd paymcnt.Banowcr shall prompdy furnish tu I.cndcr all noticcs of amounts ta bc paid undcr this parasraph. ,
<br /> � ,: �� If Borrower makes these paymenas directly,Bonower shall promptly fumish to Lender receipts evidencing the payments.
<br /> ` "`'�`�� Eorro+vershall promptlydischarge anv lien which has pric�riry c�ver this Security Instrument unless Borrower: (a)agrees in
<br /> ' "'���� � writing to the payment uf the obligation secured by the lien in a m.�nner acceptable to Lender,(b)contests in good faith the lien
<br /> , � . • �� by, or defends aoainst enforcement of the lien in, Iegal proc:eedings which in the Lendcr's opinion ��perate tci prevent the
<br /> � . cnforcement of the lien:or(cl secures from thc holdcr of thc licn an agreement satisfactory to L.cndcr subordinating thc lien to '
<br /> this Security Instrument. If Ixnd�r determittcs that any part uf the Property is subject to u lien which muy uttain priority over
<br />- . this�ccurity instrument,Lendcr may givc Burrowcr a notice identifying thc lien. Dorrowcr shall satisfy thc licn or take one or
<br /> � more of the actions set forth alxive�vithin 10 days of thc giving of notice.
<br /> � Form 3028 8/90 l
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