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<br /> TOGGTFIBR WITH nll the improvcmentr now on c�ret�fter erccted on thc praperty,nnd all c�scmcnts,c►�spurtcnnnces,
<br /> nnd fixtures now or hereafter a patt of the property. Al) rcpincemcnts und addiuons shnll nlso be covered b�� thi: Securlty
<br /> � �'-s•� insirsment. A!1 of the farcgoing is iCfcmed to in this Sccurity Insuument nv thc"Property."
<br /> •• � BORROW6R CQVENAN7'S that Harrovier is lawfully scised of'thc est�te hcreby convcyed iind hus the right to gront
<br /> _ '� and canvey the Property und that the Property ie unencumbemd,except fur encwnbrnnces of rccord. Borrower wnrrnnts nnd
<br /> °�';��''�'=,' �. will defend generally the title to the Property agnlnst nll clalms and demnnds,subject to any encumbrunces of rec�rd.
<br /> THIS SECII:;IT1' INSTRL�NlENT combines unifonn covenan�s for national use nnd non-unlfonn covenants �vith
<br /> a�z�- ' � limited vadations by jurisdIction to constitute n uniform securi�y instrument covering renl property.
<br />`;��;;:._= , UNIFORM COVENANTS. Borrower and Lender covenunt und a�ree as follows:
<br /> � l. Pnyment of Principal and Interesh,lPrepayment and Late Charges. Borrower shull promptly pay whcn due thc
<br />-_ —..� principal of And intcrest on the debt evidenced by the Nate nnd any pmpayment and late chnrges due ur�dr.r the Note.
<br /> • . � 2. FS�nds for'Ihxes and I[�urance. SubJect to npplicable law or to n wricten waiver by Lender.Borrower shull puy to
<br /> _- • ' Lender on the day monthly payments are due under the Note, untll the Note is paid in full, a sum("FLnds")fur:(u)ycurly
<br />=k,J.�,•:. taxes and assessments which may nttuin prioriry over this Securiry Instrument as a Ilen on the Property;(b)yearly leasehold
<br /> �":� �:' , payments or grouad ren�s on the Progerty. if any; (c) yeurly hazard or property insurance premiums; (d) yenrly flood
<br /> ;�::�„'�:'• E �nsurance premiums, if any; (e) yearly mortgnge insurance pmmiums, if any;and (� any sums payuble by Borrower m
<br />- Lender,in accordance with the provisIons of pnragraph 8, in lieu of the payment of mortgage insurance premiums. These
<br />�i:.i,;-'�':`�.
<br />.-,�,�,,{i,• items are called"Escrow[tems." Lender may,nt any dme,coHect and hold Funds in an amount not to exc�ed the maximum
<br /> �. amonnt a lender for u federally related mortgnge loan may reyuire for Borrower s escrow account under the federal Reul
<br /> '" `�'�' _ Est��►tc Settlement Procedures Act of 1974 as amended from dme to time, 12 U.S.C. §2601 et seq.("RESPA"),unless another
<br /> �-�_`_}�_= law d�at a»plies to the Fwzds sets a lesser amounc. If so,Lender juay.at any time,collect and hold FUnds in an rimount not to
<br />-- --°�_`� eACeed th� lesser lmaur�t. I,ender may estImate the amount of FLnds due on tha basis of cument data and reasonable
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<br /> __ estimates of expens�tur�s of future Escmw Items or otherwise in accordance with applIcable law.
<br /> '��'��-:�� The Funds shnll be held in an insdtudon whose deposits are insured by u federai ngency, instrumentnlity,or entIry
<br />'=r;;`���"� (inciudiag Lender,if Lender is such an insdtu6on)or in any Federa!Home Loan Bank. Lender shall apply the Funds to pay
<br />_;wf;;�� the Esctow Items. Lender may not chazge Borrower for holding and upplying the Funds, unnu�lly analyzin� the escrow
<br /> ____- _ uccount, or verifying the Escrow Items. unless Lender pays Horrower interest on the FLnds and z�pNcable law permits
<br /> - _ � Lender to malce such a chazge. However,Lender tnay require Borrower to pay a aae-dme charge for an independ�nt neal
<br /> � estate ta�c reporting service used by Lender in connection�vit}�this lonn,untess applieable la�v provides otherwisr.. Unless sn
<br /> -,_,��.. agrcement is made or npplicahle lt►w requires intet�est to ts:,paic�,Lender sl�all not be required to pay Borrower eny intemst or
<br /> earnings on the Punds. Borrower and C.ender may agree in�vriting,however,that interest shall be paid on the Funds, Lender
<br /> '��..s� shap give to 8orro�ver,without charge,An annual accounting of the�nds,showins credits and debits to the Fands and the
<br /> - -�— puqwse for which each debit to the FUnds was made. The�nds aze pled�ed as additional secariry f�r alt ���� ���.5�4�
<br /> = t�his��:.urit-y ir�sLu,;�CUi.
<br /> — If the Fl�nds held by Lender exceed the amaunts permitted to be held by applicablc law. Lender shall aaount to
<br /> � �orrower for the excess Flmds in accordance with the mquirements of appllcabla iaw. �4 the umount of the�nds held by
<br /> • Lender at uny time is not sufficient to pay the Escrow Items when due,I.ender may so nndfy Borro�ver in writing,ancl, in
<br /> such case Borrower shall pay to Lender the amount necessnry to mAlce up the deficiency. Boaow�r shall make up the
<br /> deficiency in no more than twelve monthly payments.at Lender's sole discrefion.
<br /> , Upon payment in full of ap sums secured by this Security InstrumenG Lender shall prompdy refund to Borrower any
<br /> Flmds held by Lender. If,under pazagraph 21.Lender shall acyuire or sell the Property, Lender,prior to the acquisition or
<br /> -- sale of the Pro�e�ty,shall apply any FLnds held by Lender at the time of acyuisition or sale us a credit against the sums
<br /> � secured by this Security InstrumenG
<br /> --- 3. Applletidon of Puymenta. Unless applicable law provides othenvise,all payments received by Lender under
<br /> �. paragraphs 1 snd�shall be applied:fitst, to uny prepayment charges due under the Note;second,to nmounts payable under
<br /> �1- puragrnph 2;third,to interest due;fourth,tn prin�ipal due;and las�to any late charges due under the Note.
<br /> , 4. ChargeA; �,9ens. Borrower shall pay ull taxes, assessments, charges,fiuies and imposiaons attributable to the
<br />_ ,,Y : Property which m�y s�ttain�rioritv over thi!+S�c�±rit;rnstrument,and Ic.:schold payui��ii�or ground rents,if any. Borrower
<br /> sh�l pay these o'bUgatioas i�i�ha manner nrovided in paragraph 2,or if not paid in that manner.Borrower shall pay ihem on
<br /> Hme direcdy ro eD�e�serson owed payment. Borrower shall promptly furnish to Lender all nodces of am.U�ants to be paid under
<br /> _ , ; this paragraph. If�flrrower mnkes tl�ese paymenu direcdy,Borrowcr shall prompdy fumish to Lender receipt�evidencing
<br /> the payments.
<br /> __ � Boirower sh11fl rprompdy dischxr�e any lien whicli has prioriry over this Securiry Instr�ment unless Bomower: (a)agees
<br /> , in writing to the p�r:ment of the obligadoii secu�d by the lien in a manrter acceptable to Lender,(b)contests in good faith the
<br /> lien by.or defeads Against enforcement of the lien in.legnl proceedings which in the Lender's apinion operate to pmvent the
<br /> • en�'orcemens of the�isn;or(c)secures fronn the holder of the lien an og�emeni satisfactory to Lender subordinating the lien
<br /> co this Security Instri�ment. 1f Lender detemunes that any part of the Ptoperty is subject to a lien which may attain priorlty
<br /> over this Security Instiument,I,cnder may give Borcower s�notice identifying the lien. Borrower shsill satisfy thc lien or take
<br /> one or more of the actions set forth above within 10 days of the giving uf norice.
<br /> � S. Hazor�d or Property Insurance. �orrower shall keep the improvements now exisdns or hec+eafter emcted on the
<br /> ; Pcoperty insuccd against loss by fire.hauuds included withIn the term"extended coverage"and any other hazards. including
<br /> , floods or flooding,for which Lender requires insurance. This insurance shf+ll be maintained in the umounts and for the
<br /> _ ' ' Form 30JA 9/90 (pnSr 2 oj6 pages►
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