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<br /> TOOETHER WITH ail the impmvementx now or hereafter crected on the 9�p'�e�rty.ar►d ciii e�sements.appurtenences. and �
<br /> fixtures naw or hereufter u part of the property. Atl rzplaeements nnd addition.g shtill also tse covered by this Secudty
<br /> instcument. All of the foregoing is referred to in this Security Inswment as the"Praperty."
<br /> BORRQWER COVENANTS that Borrower is Iawfully seised of the estate hereby conveyed and has the right to grant and =__
<br /> and thut the Pra ia unencumbered,except for encumbrances of record. Borrower wurrants and wW �-"
<br /> canvey the Propecty PErtY
<br /> defend genernily the t�tle to the Property agairtst ail claims s►nd dem�r►ds.sub,ject to any encumbrances of record. �
<br /> THIS SECURITY INSTRUMENT rnmbines unlform covenanta for nattonal use urtd non•uniform covenants with limited —
<br /> vuriations by jurisdtction to constitute a uniform securiry inswrr►ent coverin�real property•
<br /> UNIFORM CUVENANTS.Borrower and Lender covenent and a�ree as follows:
<br /> 1. Payment of Prittcipal and Intereck �1�3'��t attd Late Ckarges• Borrow+er shell prorapdy pay when due the _
<br /> principul of and interest on the debt evidencx�I t►y it�e ?�otc nn3 anY g« a3ssstnt�d late ctsasges duP under the Note. ,
<br /> 2. F�nds tor Ttuces and Iwsurauce.Subjert to applicable law or to a wrltten waiver by Lender, Borrower shall pay to
<br /> Lender on the day monthly paym$nts are due under the Note,unti!the Note is paid in full.a sum("Funds")for:(a)yearly taxes
<br /> ar�d assessments w'ch may attain priorlty over this SQCUrity Insuument as a lien on the Property:(b)yearly leasehold payazents
<br /> or ground rents on the Property,if any;(c)Yearly hazard or propecty insurance premiums:<d)Yearly flood insumnce pretniums.
<br /> if any;(e)yearly mongage insuriutce premiums, if any; and(�any sums payable by Borrower to.Lender, in accoMance wrth
<br /> the provisions of paragraph 8.in lieu of the payment of rinortIIage insurance premiums•These items are called"Escrow Item4•" ,
<br /> L,ender msiy, at any time.collect and hold Funds in en amount not to excced the maximum smount a lender for a federally
<br /> reluted mortgage loan may c�equire for Borrower's escrow axowrt under the federal Real &tate Settletaent Procedures Acx of
<br /> 1974 es amended from time to time. 12 U.S.C. Sectloa 2601 et seq.("RESPA").unless anotber law that applies w the Fwsds
<br /> sets a lesser emount.If so, Lender may. at aay tirne,collxt end hold Funds in an amount not c�exceed the lesser amouat.
<br /> Lender may estimate the amount of Funds due oa the basis of current data and reasonable estimates of expendhures of future
<br /> Escrow Items or otherv�Ise in accocdance with applicable law.
<br /> The Funds shall be held !n an institution whose deposits arc insured by a federal agency. instrumentaliry, or endty
<br /> (including I.ender, if Lender is such an instltudon)or ln any Federal Home Loan Bank•L.ender shall apply the Funds to pay ttte
<br /> Escmw Items. Lender may not charge Borrower for hoiding and applying the Funcis.annuaily analyzing the eserow$ocount,or .
<br /> verlfying the Escrow Items,unless Lender pays Borrower latere�t on the Funds aad applicable law permiu Lender to maks such
<br /> a charge. Ho+xe:�er. l.end�r maY r�»ir�'A"t*ower t°Pay a one-dme charge for an Indepeadent real estate tax reportin8 servIce
<br /> used by Lender in wnnectlon wlth this loan. unleas app(Icable law provides otherwise. Unless an agceeAtent is made or
<br /> applicable luw requires interest to be paid.L,ender shaU not b�requiced to pay Borrower anY interest°r earaings on the Fuads.
<br /> Borrower and I.eader may agree in writing.however,that interest shall be pa�d on the Funcls.Lender shall gtve to Bo�rower.
<br /> without charge.an annual acxoundng of the Funds.showiag credlts and debits to the Funds and the purpose for which each
<br /> debit to the Funds wus made.The Funds are pledged as addidonal securiry for all sums secured by this Securlty Iastrumeat.
<br /> If the Funds held by Lender exceed the amounts permitted to be held by applicable law.Lender shall acoount w Horrower
<br /> for the excess Funds in axordance with the requirements of applicable Iaw. If the amount of the Funds held by Lender at any
<br /> time is not suffident to pay the Escmw Items when due. Lender may so notify Borrower in writing,and,in auch cese Borrowet
<br /> shall pay to Lender the amouat necessary to make up ihe deficiency. Bomower ghall make up the deficiency in no more than
<br /> hvelve�nonthly payments.at Lettder's sole discretion.
<br /> Upon payment in ful! of all sums secured by th[s Security Instn�ment, Lender shall prompHy refund to Borrower atty
<br /> Funds heid by l�ender.If.under paragraph 21.I.ender shall acquire or sell the PropertY,Lender,prior w the acquisition or sale
<br /> of the Property.shall applY anY Funds held by Lender at the tLne of acquisidon or sale as a credit against the sums secured by
<br /> thls Securlty Instniment.
<br /> 3.ApplEcatton of Payments.Unless appllcable lew provides othenvise.ali payments ceceived by I.ender under paragraphs
<br /> 1 and 2 shatl be applied:first.to any prepayment charges dne under the Note;seoond. to amounts paya6le under paregraph 2:
<br /> thlyd.to interest due:fourth.to principal due;and last,to aul•lete charges due under the Noie.
<br /> 4.Charges; Liens.Horrowcr shall pay all taxes,assessments,chaiges,fines and impositions amibutable to the Property
<br /> which may attatn p�lority oNer this Security Instnament.and leasehold payments or ground renu. if any. Bornnwer shall pay
<br /> these obtigatlons in the manner provided in paragraph 2. or if not paid in.that mannez,Borrower shall pay them on time ditectly
<br /> to the person owed paymeat.Borcewer shall promptly furnish ro Lettder all nodces of amounts to be pa�d under this patagreph•
<br /> If Borrower makes these payments dlrectly.Borrow+er shall promptly fumIsh to I.ender c+eteipts evidencing the payatents.
<br /> Borrower shall promptly discharge any lien whtch t�as priorlty over this Secnrity Insuument uriless Borrower:(a)agrees in
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in good faith the liea
<br /> by, or defends ags�nst enforcement of the lien in, legal prooeedings which in the I.ender's opinion operate to prevent the
<br /> - cnfaicement of th�llen:or{e)secures frnm the holder of the lien an agreEment satisfactory to Lender subordL►atins tbe lien W
<br /> this Security Instrument.If I.ender detemunes that any part of the Propercy is subject to u lien which may attain priority over
<br /> this 5ecuriry Instrument,Lender may give Borrower a rtotice idendfying the lien.Bocrower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the givimg of notice.
<br />— Form 3020 8/90
<br />— Pay�2 0�e
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