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<br />�� 'I'OGfiTHIiR WITIa nll thc improvcments now on c�rcutwr cecctcd on dic peoperty� �d all cascmcnts,appurtcrnnccs, n�d �
<br /> - fixtures nov�or hereafter a part of the prapeny.Aq replucemen4s ur�d addltions ahall also be covered by this Secueity Instrument.
<br /> ` ,s All of the foregoing is ccfcrred to in this Securiry InsUVment ns the"Froperty."
<br /> `.•�-;, BORROWBIt COVENA�VTS tbat Bormwcr is lnwfully saiscd of thc xstato hcrcby convcycd and hs�+thc right to grant and
<br /> -:o .••� s co»vey t��e Property �nd thut the Property is unencumbered,except for encumbrances of recarQ. Borrower wtirrants und will
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<br /> 7'HiS S�CURITY INSTItU1V�NT combines unlform wvenants far naHonnl use nnd non-uniform covenants wilh lirc�ited
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<br /> ,.�r:� [JIVIFORM COVaNANTS.Bonowcr and Lendcr covenant und agree as follaws:
<br /> -�*r:_-•- , 1.Payment of Prtnctpal and Interest;Prepayment ond Lnte Charges. Horrower shell prompdy pay when due thc
<br /> principal of and interGSt on the debt evidencett by the Note and any prepayment and late charges duc under the Nate. `-
<br />-- --:�� 2.Fun�tor Tax�v and I�s�.►rance. Subject tn applicahle lsxw or to a writien waiver by Lender, Borrowcr shall pay to �. .:
<br /> �� �� ` I.ender on the day monthly paymenis ere due under the Note,until the Note is paid in full,a sum("Funds")for:(a)yeFUly texos
<br /> `Y``�`' ;�� and assessments which�nay auain priorlty over this Securit�r Inswment ss n lien on the Pcoperty;(b)year ly leasc ho l d paymen t s __
<br />'::-r-•�� �u�; or ground rents on the Property,If any;(c)yearly hazard or property insurance premiums;(d)yearly tlood insurance premiums,if =_
<br />'='��'�� ` ; " any;(e)ycs�rrly mongage insurance premtums.if any;end(�any sums payable by Borrower to L.ender,in accordance with the
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<br />-.:�+,,:•-;_:" provisians of parugraph 8, in lieu of the puyment of mortgage lnsuran�e premiums.These items are caUed "Escrow Items." 6-
<br /> "'"°�'��! Lcnder may,at any flnte,caAact and hold Funds in nn amount not to exceed the maximum emount a lender for a federally relsted -
<br /> �-����� mortgage loam m�y n;quire for Borrower's escrow sccount under the federel Real Estate Settlement Procedures Act of 1974 as
<br /> -'��' emcndr.d fram timc to time, 12 U.S.C.Secdon 2601 et seq. ("RPSPA"),nnless anathcr law that applies to the Funds scts a lesser �
<br /> ="��""s��-'� arnounG IF so, I.,�nder may. at any pme,collect and hold Funds in m: amount not w excecd the lesser amounG Lender may
<br /> «�!���F� esdmate the tunount of Funds due on the basis of current data end reasonable estimates of expendiwres of future Escrow Items or
<br />_3�,�� otherwise in accordance with appHcablc law. -
<br />--_�:�,�;-_---�- The Funds shall be held in an ins6tudon whose deposits ere insured by a federal agency,instrumentality,or entity(including _
<br />'�`;:�,�� Lender.if L.ender i� such an ins6tudon) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow -
<br />:;�:� Items.I.ender may not ch�rge Borrower for holding and applying the Funds,annually analyzing the escrow accoun�,or verifying
<br /> ;,; the Escrow Items,unless I.ender pays Bonower interest on the Funds and opplicable Isw permits I.ender to make such a charge.
<br />=���F� Howover,i.ender may requue Bonower to pay a one-time charge for an independent real estate tsx reporting service used by �
<br /> -4- I.endcr in connecuon with this loan,unless applicabte law provides otherwise.Unless an agreement is made or applIcable lnw
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<br /> -r--�� requires intemst to be paid,Lender shall not bo required to pay 13orrawer er►y inter�sst or eamings on the Funds.Boerower and
<br /> ''��- Lenc!.°s ms;s;w�:�riti�g.�l4�"Pynr,�hnt inrereac r.hall t�e oaid on tha Funds.I.ender shall give to Borrower,without chnrge,an
<br /> - ''==��� ennaal accounting cf the�unds,showing credits and debits to the Funds and the purpose for which each debit to the I'unds was
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<br /> �--�.:,...:.�;�� made.'It�o Funds are ptcdgcd�s�clditional securiry for all sums secured by this Security Insrrumen�
<br /> _�:;;;;�� If the FuneLs held by Lcatder exceed the amounts permiued to t�e held by applicable la�v,Lender shall account W Bocrowet for
<br /> __�:; the excess Funda in accordance with die requirements of appl�cable law.If the amount of the Funds held by I.ender at any time is
<br /> -° not sufficlent to puy the Bscmw Items wher�duc,L.ender may so notify Bonower In writing,end,in such case Borrower shaU pay
<br /> -_.�,.� to Lendar the amount necessary to make up the de�ciency. Borrower shell make up the deficiency in no more than twclve
<br /> -__— manthly payments,at I,ender's sole discredon. -
<br /> �--�-_-�. Upon payment in futl c�f all sums secured by this Securiry Instrument,Lender shell promptly refund to Sorrower any Funds
<br /> ,a;,,�:�, held by I.ender.If,under paragraph 21.Lendcr shall acquire or seU the Propecty,I.cnder,grior to the acquisldon or sale of the
<br /> -- Property,shall apply any Funds held by Lender at the rime of acquisidon or sele as a credit against the sums secured by this
<br /> -- Security Instnuncnt
<br /> 3.Applicatton of Payments. Unless applicublo law provides othcrwise.all payments rcxeived by Lender under pa:egraphs
<br /> 1 and 2 shaU be opplied: first,to any prepaymens chnrges due under the Note;second,to amaunts payabte undar paragraph 2;
<br /> third,w interrst due;fourth,to principal due;and lls�sst,to any late charges due under tho Note.
<br /> 4.Ch�.rges;L➢ens. Borrower shall pay aU taxcs,asscssments, chargcs. fincs and impositions euributable to the Pmperty
<br /> _ which ma}�suain priodty over this Securlty Instrument,and(easehold payments or ground rents,if any.BorcAwu shnll pay these -
<br />- -- obligadons in tha manner provided in pacagrnph�,or if not paid in that manner,Borrower shall puy them on time direcdy oo the
<br /> -- ---- - pe�son owed paymen�Borrower shaU prompdy fumish w Lender all �wii�;es of arno�,-►ts ta�.�Q undcr thi� �r:.�r.:ph. If =_
<br /> .�.�� . Bonowcr makes these pAyments directly,Borrower shull prompdy fumish to Lender receipts evidencing the payments.
<br /> ------� Boaowea shall promptly discharge any lien which has prioriry ovcr this 5ecurlty Instrument unless�orcowcr: (a)agcexs in __
<br /> wridng to the payment of the obligadon atxured by the Hen in a manncr ecceptable to L.�nder(b)contests 1n good faith the 11en
<br /> by, or defends agatnst enforcemont of the lien in, legal proccedings which ui the Lender's opinion onerate w prevene the
<br /> ---- cnfomement of the lien;or(c)secures from thc halder of the lien an agrcemcnt sadsfactory to Lender subordlnatu►g the lien to
<br /> � � this Security Inswment.If Lender determines that any part of die Propeity is subjcct to a llen which may attain priority over this -
<br /> _.__: _= - Security Instrument,Lender may give Botrower a nodce identifying the llen.Bomower shnll sadsfy the lien ur talce one ot more
<br /> --- �•�� of Ihe actions sct forth above within 10 days of thc giving of notice.
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<br /> - Form 302o Ol90
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