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<br /> 'I'OGGTHER Wt'fH iill Uu unpruvcnunn now on c�raiRer crectcd on thc prnpeny, und ull caticmcnt,,uppurtenanccs, und
<br /> - fixtures now on c�rc:iftcr u pan of thc propcny. All repluccments und ndditions tihall ultiu bc cc�vcred by this Saurity
<br /> - Insaument. All uf thc fc�rcgoing is rcfcrrcd to in this Sccurity lnstrumcnt as the "Pmperty.
<br /> BORROWER COV�NANTS that Barrowcr i�luwfully ticiscd ot thc estute hereby convcyed und har the right to grunt and
<br /> i eonvcy the �'ropeny und chu[ [he Propaity i, uncncuml3cred, exccpt fur encumhrnnce� ��f rerc�rd. A��n•ower wurrun�s und will
<br /> �, .,.,� defend generally the tiNe to the Pmperty uguinst idl clnitns und demunds,subject tn uny encumhrunccs uf rca�rd.
<br /> 'fHIS SECURITY INSTRUMENT combines uniform covenunts for nuticmal use and non-unifarni covenunts with limited
<br /> variations by jurisdiction to canstitutc u uniform securiry inscrumcnt covcring real property.
<br /> ��+�� UNIFORM COVENANI'S.Borrowcr und Lcndcr covenunt and ugrcc us follows:
<br />�1� 1, P�yment oP Prtnclpal and Ia�terest; I'repnyment und Lnte Char�es. Borrowcr shull prompdy pay when due thc
<br /> ' ' principal of and interest on the dcbt evidenced by thc Natc and any prcpuymcnt and lute charges duc undcr tlu Nate.
<br /> _ ; 2. Funds for Tuxes nnd Insurance. Subjc�t to applicablc luw or to u written wuivcr by Lender. Horro�vCr shall pay to ,
<br /> � Lender on the day monthly payments ure Jue under the Note,until the Note is paid in fuU,a swn("Funds")for:(a)yearly taxes ,
<br /> � ry and assessments which may attain priority over this Security Instrument as n lien on the Property;(b)yeurly leasehold payments �';
<br /> F. —
<br /> �- or ground rents on the Property,if any;(c)yearly hazard or prc�perty insurance premiums;(d)yearly flood insurunce premiums, �:
<br />�;��� • if any: (e)ycarly mortgage insurance premiums, if any; �nd (�any sums payable by Sorrowcr to l.ender, in accordance with _
<br /> t�.� „ the provisions of paragraph S, in lieu of the payment of mortgage insurance premiums. These items are culled"Escrow Items." __
<br /> - I.ender may, at any time, collect and hold Funds in an amount not[o exceed the maximum umount a Iender for a federally rII
<br /> • related mortgage loan may require for Borrower's escraw uccount under the federal Real Estate Settle►ttent Procedures Act of
<br /> � 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"). unless unother law that applies to the Funds �.
<br />_ � �'` �'� sets a Iesser amount. If so, L,ender may, at any time, eollect and hold Funds in an amount nat to exceed the lesser amount. s.��
<br />� ., y ` I.ender may estimate the amount of Funds duc on the busis of current data und reasonable estimates af expenditures of future
<br /> t� �•:° '.. Escrow Items or otherwisc in uccordancc with applicablc law.
<br /> ,``'� Thc Funds shall be hcld in an institution whose deposits are insurcci by a federal agcncy, instrumentality, ar entity
<br /> �-`�� (includin�Lender, if L,ender is such un institution)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the _
<br />�=;� .: Escrow Items. Lender may not charge Borrower for holding and applying the Funds,annuaUy analyzin�the escrow account,or
<br /> ~`=:-'F.-�..L� • verifying the Escrow Items, unless Lender puys Borrower interest on the Funds and applicable law permits Lender to make such
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<br /> a churge. However.Lender may require Borrower to pay a one-time charge for an independent real estate tt�x reponing scrvue
<br /> - ` used by Lender in cannection with this toan, uniess appiicaotc; iaw p�u�iJcs �t��r.��:s;.. Ur.::ss an 8of`-"-"•?1PS�l �� m�de or —
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<br />���r••=��•<�� applicable luw requires interest to bc paid, L.cnder shall not be requirc,�to pay Borrower any interest or eaniings on the Fands. ►
<br /> u""�'"� Borrowcr and L.ender mny agrce in writing, however, that interest shall bc paid on the Funds. Lender shall give to Horrower, ;
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<br /> =-=.r,.;r:,,;:;� without charge, an minuul accounting of the Funds, showing credits and debits to ihe Funds und the purpose for which enc
<br />_..�� debit ro thc Funds was made. The Funds are plaiged ns nddition�l security for all sun�s secureci by this Security Instrument.
<br /> Y�'_:L��'r� If the Funds held by Lender exceed the amounts permitted to be held by upplicable law. I.ender shnll account to Borrower
<br /> ...�� for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any
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<br /> __,,;,�g;� time is not sufficient to pay the Escrow Items whcn due,Lcndcr may so notify Borrower in wrlting, und,in such case Borrower
<br /> ---,��� sliall puy to Lender the amaunt necessary to make up the deficicncy. Borrower shall make up the deficiency in no more ttian
<br /> `-- twelve monthly paymcnts,at l.ender's sole discretion.
<br /> -- -- Upon puyment in full ot all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
<br /> — -- �"—' Punds held by Lender. If,under paragraph 21, Lender shall acquire or sell the°roperty, Lender,prior to the acquisition or sale
<br />-- _�—� of the Property,shnll spply any Funds held by Lender at the time of acyuisition or sale as a credit aguinst the sums secured by
<br /> this Security Instrument.
<br /> ��v�� W 3.Appl[entfon of Payments.Unless upplicable law provides otherwise, all payments received by L.ender under parngraphs
<br /> 1 ur►d 2 shall be applied: first,to any prepayment charges due under the Note;second. to amounts payable under paragraph 2;
<br /> -=.�e� third,to interest due;fourth,to principal due;and last,to any lute charges due undcr the Note.
<br /> -- =-°'°��! 4. Charges; l.lenv. Borrawer shall pap all taxes,assessments,chargcs. fines and impositions attributablc to the Propert�
<br /> which may attuin priority ovcr this Security instrument, and leasel�old payments or ground rents, if any. Borrower shsll pay
<br /> LL,p��'�-"'� these obli�ations in the manner provided in para�raph 2,or if not paid in that manner, Borrower shall pay them on tirne directly
<br /> -- to the person owed payment.Borrower shall promptly furnish to Lender all notices of amounts to be paid undcr this paragraph.
<br /> _— If Horrower makes these payments directly,Bonower shall promptly furnish to Lender receipts evidencing the paymenu.
<br /> � Borrower shall promptly discharge any lien which has priority over this Securiry Instrument unless Borrower:(a)agrees in
<br /> �� �— -- writing to the payment of the obligation secured by the lien in a munner acceptable io Lender;(b)contests in good faith the lien
<br />-- —?��-`,� by, or defends against enforcement of the licn in, legul proceedings which in thc Lender's opinion opernte to prevent the
<br /> ��?.;�;.v,��.� enforcement of the lien; or (c)secures from the holder of the lien an agreement satisfdctory to Lender subordinating the lien to
<br /> :.°::�;`:`=." this Security Instrument.If I.ender determines that any part of the Propeny is subject to a lien which may attain prioriry over
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<br />_-_�, �s,�±��„ this Security instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or
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<br /> ''1�,A,r�;;� more of thc actions sct forth abovc within 10 days of thc giving of noticc.
<br /> „i;r,�, Form 3028 9f90
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