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<br /> TUaETHER WITH all the irnprovements now or hereafter erected on the property,and all ea.sementa,uppurtenances,and `
<br /> fixtures now �r hercatter a pai*. at the property. All replacement� and eddittons Fhall also be cavered by this 5ecurity
<br /> Instrument.All of the foregaing is nferm�d to in this Secudty Instrument ns thc'Praperty."
<br /> BORROWER COVBNANTS tl�t Bonower is lawfully seised of the cstate hercby cnnreyed and has the right to grunt und
<br /> convey the Property and that the Properry is unencumbered, except for encumbrunees oi'rccord. 0orrower wurrnnte�und will
<br /> defend generelly the tltle to the Prop�r2y a�ainst ull clsims and demandv,subject to uny encumbrances of recurd.
<br /> rHIS SECURITY INSTRUMEIJT combines uniform covenartts for nationel use and aon-uniform covenants with limited
<br /> var[ations by jurisdictton to constitute a uniform secudty Instrument coverin�mal property.
<br /> UNIFORM COVENAN'TS.�otrower and Lender cevenant and egree us fullows: _
<br /> 1. Payment of Principal and Interest; Prepayanent and Late Charges. Borrowcr shall promptly pay when due the
<br /> pdncipal of and interest on the debt ev idenced by the Note nnd eny prepayment and Inte charges due under the Note.
<br /> 2. l�ltnds far T�es and I�surance. Subject to appllcable law ar to u written waiver by Lender. Borrower shall pay to
<br /> I.ender on the day monthly payp►ents arc due under thc Note.until the Note is paid in PoII. a sum("Funds")for:(a)ycarly taxes
<br /> and assessments which may attain prioriry over this Secudry Insuument as a lien on the Property;(b)yearly leasehold payments
<br /> or ground rents on the Property,if any:(c)yearly hazard or property insurance premiums; (d)yearly flood insurance premiums,
<br /> if any; (e)yearly mortgage insuranoe premiums, if any;and(�any sums payable by Borrower to Lender, in accordance with
<br /> the provisions of paragraph 8.in lieu of the payment of mortgage insurance premiums.These items ate called "Escrow Items."
<br /> Lender may, at any time,collect md hotd Funds ln an amount not to exceEd the maxtrnum amount a lender for a federally
<br /> related mortgage toan may require tor Borrower's escrow account under the federal Real Fstate Settlement Procedures Act of
<br /> 1974 as amended from time to 6me,12 U.S.C.Section 26Ui et seq. ("RESPA").uniess aaother law that appiies W the Funds
<br /> sets a:tesser amount. If so, Lencter may. at any time, collect and hold Funds in an amaaunt not ta exceed the lesser amount.
<br /> Y,ender.may estimate the amount ot Fuady due o��the basis of current data and reasonahle estiwatea of eapenditures af funire
<br /> Escraw Items or.atherwise in aaorda�ce with appjicabie law.
<br /> � 'fl�e 1Flinds ahati`ioe held im en institutiori whose deposits are insured by a federal agenay, lnstrumentality,or enHty
<br /> (lnclaaing�L,ender.if L�nder is sucb aa�inst[tution}or in any Federal Homa Loan.Bank.T.-eder sAail apply the Funds ta pay the
<br /> Escra�v�tems.Lender msy t�at chiugc.$orrower for halding and applying"ths Funds. annu�►y anaiyzin$the esecow accow►t.or
<br /> � , verlfying the Escrow Items, unless i.ender puys Borrower interest on tha Funds and applicabl� law permits Lsnder to make such �
<br /> ' a charge.However,i:ender may requim Bonower to pay a ane-time charge for an independent reai ests�te tax reporting service
<br /> used by Lender in coruiettion with this loan, unless upplicable law provides othenvise.Unless an agreement is maaste or
<br /> � applicable law requires interest to be pald.Lender shall not be required to pay Borrower aay interest or earnings on the Funda.
<br /> Borrower and Lender may agree in wridng,howevar. that interest shali be.pald on the Funds.Lender shell give to Borrower,
<br /> without charge.an•annual accounting of the Funde,showing credits•and'd��� �a�e Fuids and the purpose for which each
<br /> det�it t�ttie Fu�-�Ss wss�sadc. Thc�Lr�ar:pl��d�sddisiQna!s�u�Isy�'�±t 21! som�secuted 6y thia S�curlty InstNment.
<br /> If the Funda hrald by Lender ezceed the amounta pemtitted to be held by applicable law, I.endee shatl account to Borrc�wer
<br /> for the excess Funds in nccc�rdence with the requirementa of upplicable taw. If the emount of the Funds held by I.ender at any
<br /> dme is rtot su�cIent to pay thc Escrovv Items when due.Lender may so notify Borrower in writing.and.in such case Borrower
<br /> shull pny ro I,ender the amount naessary to muke up the deticiency.Hormwer shnll make up the deficiency in no mon than
<br /> twelve monthly poyments,IIT LCRdlI'r sole discretion.
<br /> Upon paym�nt in fLll at n!!surns secured by this Security [nstrurrient,Lender Rtiull promptly retiind to Boaower uny
<br /> Funds held by Lcndcr. If,under puagrnph 2l.Lender shntl acquirc or setl the Property. Ltnder,pr.tor to the ucquisition or sale
<br /> Wf thc Pmpeny.shall upply any Fends held by Lender at the time of acquisition or sale as n credit ugainst the sums securod by
<br /> this Security lnstmment.
<br /> 3.Application of Paymertts�Unlass appli�ealsic�iavr.provIdes otherwise.all payments rcoeived by Le�eder undei paragraphs
<br /> 1�nnd��aluili be applied:Crst�taa�y�pr�aym�eno�ch�rges dr..¢�under the Note;sewnd,toertzounts payable under paragraph 2;
<br /> tUjr�d,�to int¢rest due:founh��14 priraipal due;and lest,to a�y�9ate charges due under the Note.
<br /> 4.Charger�Llens.Borrow�r shell pay all taxes.a�sments.charges.fines and irnposidons amibutable to the Pcoperty
<br /> which may attain priority over tliie Security Instrument,and(easehold payments or ground rents. if any. Borrower shap pay
<br /> these obligatIons in the manner provlded in paragraph 2,or if not paid in.that manner.Barnower shall pay tttem on time dtrecdy
<br /> to the petson nwed payment. Borrower shell prompdy fiunish to Lender all notices of amounts W be paid under this paragraph.
<br /> ff gorrower makes these psymentsdlrectly.Bflmower shali promptty furnish to Lender reaipts evidencing the payments.
<br /> Bormwer shal!prompdy disdmrge any lien which has prlodty over this Security Instnuneat unless Borrower: (a)agrees in
<br /> writiag m the payment of the oblig�tion secured Isy the lien in a manner acceptable to Lender; (b)contests ia good faith the llen
<br /> by, or defends against enforce�nem of the lien in, tegel proc�clings whi�9►in th� t.E;hia,'�opinion operate w prevent the
<br /> enforcement of the lien;or(c)seares from G'�e holder of tha Iten an agreement sattsfactory to Leacter subordinating the Gen to
<br /> this Securtty Instrument.If Lender dctermines that any part of the Property is subjecc co a tien which may attain prIority over
<br /> this Securlty Instrument,Lender may give Borrower a notice identifying the lien.Borrowa shaU saHsfy the lien or take one or
<br /> more of the aaions set forth abovewithin 10 days of the giving of nodce.
<br /> FoRn 3028 8/90
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