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<br /> TOO8'rHER 'JVITHaI[ thc imprc�vemcnts now on c�reafter erecteci a�n the property, ;mJ,dl�scments, u�spwtcnanccs, nnd
<br /> iixture� now or herc;��ter is purt of thc property. All rcpincc�tixnts ancl udditions shidl nlsn bc ruvcrMl by this Securiry
<br /> instrumcnt. All�if thc fi�rcgiiing is referred ta in this Serurity Instrumenl ns the"Pro�xrty."
<br /> BORROWNR COVENANTS that Norraw��r is lawfully:�eised i�f the estatc hcrcby c��nvcyed .�nd hus the right ta grnnt und
<br /> " convey the PropErry and ih.tt the Property is unencumbered, exccpt for encumbrances uf record. Bnr�•nwer wi�rc�ints nnd wil!
<br /> defend gei3eraitly the dtl�to t he Praperty ugainst ull elaims and denwnds,subject ta any cncumbrunces of recurd. "
<br /> THIS SBCURITY INSTRUMENT combines unifarm covenants for nutinnal use u�xi non-uniform covenants with limited
<br /> variutiuns by jurisdictionto constitutc u uniform security instrument covering real properly.
<br /> UN{FORM COVENANTS. Bonower anc!Leixler covenant and ngree us foll�ws:
<br /> 1. PAyment af II'�inclpol and Interest; Prepwyra�ent pnd LAte ChArgey. Borrowcr shall promptly pay when duc thr,
<br /> principal of and interes[ on the debt evidenced by the Note and any prepayment asd late charges due wxler the Note.
<br /> 2. Funds [or Taxa Qnd Ir�sursince. SubJect to applicable luw or to u written waiver by Lcnder, Harrowcr shall pny to
<br /> I.endcr on the day munthly payments are due under the Notc.until the Note is paid in full,n sum("Funds")for:(a)yea�ly taxes
<br /> and ussessments which rnay attain priority over this Security Instrument as a lien on the Property; (b)yearly Icasehald payments
<br /> � or ground rents on the Property, if uny;(c)yearly hazard or property insurance premiums; (d)yearly flood insurancc premiums,
<br /> if any; (e)yearly mortgage insurance premiums, if any; and (�any sums payable by Borrower to Lender, in accqrdance with
<br /> the provisions of paragi�aph 8,in lieu of the payment of mortgage insurance premiums. These items are culled "Escrow Items."
<br /> Lender may, at nny ti�ne,collect und hold Funds in an amount not to exceed the maximum amount a Iender for a feJerally __
<br /> • related mortgAge loan ma�•rcquire for Borrower's escrow account under the federal Real Pstate Sctticment Procedures Act of
<br /> 1974 as a►nended fram time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"). unless unother law that applics to the Funds
<br /> sets n lesser amount. If so, l.ender may, at any time, collect and hold Funds in an amount not to excccd the Icsser amount.
<br /> , ' L.ender may estimate the ainount of Funds due on the basis of current data and reasonable esttmates of expenditures of future
<br /> Escrow Items or o¢henvise in uccordance with Applicable law.
<br /> • The Funds shall tx held in nn institution whose deposi�c are insured by a fedtral agcncy, instrumentality, or entiry
<br /> � (including Lender. if L,e�ler is such an institution)or in any Federnl Home Loan Bank. I.ender shall apply the�unds to pay the
<br /> , ' Escrow Ttems.L,ender may r�ot charge Bonower for holding at�d applying the Funds,annually a�utlyzing the escrow nccount,or
<br /> • verifying the Escrow Items, unless Lender pays Bonower interest on the Funds and applicable law permits Lender to make such
<br />; a charge. However, Lender rnay require Bonower to pay a ane-time charge for an independent real estate tux reporting service
<br /> usal bv Lender in cannxtion with this loan, unless applicablc law provides otherwise. Unless an aRreement is made ar
<br /> , applicnt+le law requins iMe�st to be paid. Lender shall not be rcquired ta pay Borrowcr any interest or eamings on thc Funds.
<br /> 8orcow•er und Lendor may agree in writing, howcver, that interest shall be paid on thc Funds. Lender shell give to Borrowor,
<br /> without churge, an annuel accounting of the Funds, showing credits and debits t�the Funds and the purpose for which wch
<br /> � debit to the Funds was m�de_ The Funds ure pledged as addiaonal security for all sums secured by this Securiry Instrument.
<br /> . If the Funds held byLender exceed the amounts permitted to be held by applicable law,Lender shall uccount to Bonower
<br /> ' for ttx excess Funds in aco�rdu►ce with the requirements of applienble law. If the nmount of the Funds held by I.ender at any
<br /> � time is�nat Eufficient to p�y the Escrow Items when due.Lender may so notify Bonower in writiug,and.in such ca�Borrawer
<br /> j shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the defieiency in no mort than
<br /> �' twelve monthly payemnia,at I.ender's solc discretion.
<br /> `'� Upon payment in full of all sums secured by this 5ecurity Instrument, Lender shall promptly refund to Bc�rrower any
<br /> r Funds�held by L,endcr. If,under paragraph 21,i,ender shall acquirc or sell the P�roperty�Lender,prior to the acquisition or salc
<br /> . , of the�raperty.shall apply s:�ny Funds held by L.ender at the time of acquisition or sale as a credit against the sums accurtd by
<br /> � thls Security Instrument.
<br /> 3.A�►pllentlun of P�ymeets.Unless applicable law provides otherwtse,alt payments•received by L.ender under paragraphs '
<br /> .: ,� 1 and 2 shal[6e appliai:first,to a�iy prepayment charges due under the Note;secor�d, to amounts payable under paragraph 2;
<br /> � ' third,tn interat due;fouAh. to pri�kipal due:and last,to any late charges due under the Nate.
<br /> �, , 4.�Charges;Lia�s.9orrower shall pay all taxes, assessments,charges,fines and impositions attributable to the Property
<br /> . which may attain priority over this Security Instrument, and leasehold puyments or ground rents, if any. Borrower shull puy
<br /> s theso obligations in the nunrter provided in paragraph 2.or if not paid in that manner,Borrower shall puy them on ti►tx direcdy
<br /> ' to the�xrson owal payment. Borrower shall promptly furnish to I.ender all notices of amounts to be paid mxler this parag�aph.
<br /> If Borrower makes.these payrnents directly,Borrower shull promptly furnish to Lencier receipts evidencing the payments.
<br /> �rrower shall prornptly discharge any lien whicti has priority aver this Security Instrument unless Borrowcr:(a)agrees in
<br /> writirg to the payment ofthe obligation secured by the lien in a manner accepteble tn I.crxlrr;(B)r.�ntests in good faith the lien
<br /> . by, or defencis against enforament of the lien in, legal proccedings which in the I.endor's �pinion operate to prevent thc
<br /> enforcenxnt of the Iien; nr(c)secures from the l�older of the lien an egrament satisfactory to Lender subordinating the lien to
<br /> ithis Stcurlty Instrument.If Lender determines tliat any part of the Pm�eny is subject to a lien which may attain priority over
<br /> . this Se�urity Instiument,Lender rnay give Borrow�r a notice identifying the licn. Borrower shall satisfy the lien or takc one or
<br /> . cnorc of the actions set fonh above wiihin !0 days of the giving of notice.
<br /> Fam 3028 9l90
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