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<br /> � �� TOGETHER Wt'fH uU thc im{�rovcments now on c�rcaftcr erected an�he property, nnd ull cusements, appu cnun
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<br /> fixtures now or hereafter .� puit of the property. A❑ replaccments and additions shull ulso be covered by this Secur ty
<br />��';;,F;; Instrument.All of thc faregoing is rcfcrrcd to in this Sccuriry instrument as thc"Propeny."
<br /> AORROWF.R CUVENANTS thut Borrower is luwfully ticiscd of the estittc hereby convcyed und has thc right to grant und _
<br /> ° eanvey the Property nnd thut th�Property is unencumbcrecl. exeept fur e�tcumbrances of record. Aorrower warrams 1nd w+i�l �
<br /> �� defend gencrally thc tidc to thc Propcny+►gainst all claims und demunds. subject to any encumbrinces nf recorJ.
<br /> THIS SSCiJR[TY INSTRUNIENT combines uniform covenunts far nationul use and non-uniform covenunts with limited
<br /> •' �`�'� variutiuns by jurisdiction to constiwte a unifarm security instrument covering rcul property.
<br /> �.�.. "`•r UN[FORM COVENANTS.Borrowcr and I.cnder covcnant and agree As follows:
<br /> ���'�� -'' 1. Payment of Principal and Interest; Prepayment and I.ate Charges. Borrowcr shall prampdy pay when duc thc
<br /> -'_��.':�'� principal of and intcrest on thc debt evidenced by the Note and nny prepayment and late charges duc under thc Note.
<br /> ` ''�' '" 2. �nds for'Tnxes and Insurnnce. Subject to applicublc law or to a written waiver by i.ender, Borrowcr shaU pay to
<br />�.,;:y��;�;, earl taxes
<br />'-r��., ;�; Lender on the day monthly paymcnts ure due under thc Note,until the Note is paid in full,a sum("Funds")for:(a)y y
<br /> ' "`'�'` and assessments which may attuin priority over this Security Instcument as a lien on the Property;(b)yearly leasehold payments
<br />�= "'�-�` or ground rentc on the Properry,if uny;(c)yearly hazard or property insurance pretniums; (d)yearly flood tnsurance premiums.
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<br /> -E �cy� if any; (e)yearly martgage insurance premiums, if uny;and(� any sums payable by Borrower to Lender, in nccordance wtt
<br /> =��*��P Qie provisions of paragraph 8, in lieu of the payment of martgage insurance premiums.These items are called "Bscrow Items."
<br /> -=�- 4� I.ender may. at any time, collect and hold Fun ds in an amou n t n o t t o e x c e e d t h e maximum amount u lender for a federully
<br />-,r��rw��?i-- — related mortgage loan may require for Harrowcr's escrow account under the federal Real Estata Settlement�rocedures Act of
<br />'�`�'-'-` '° 1974 us amended from time to time, 12 U.S.C. Section 2601 et ser�. ("RESPA"), unless another lAw thut applies m the Funds
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<br />,=,��;r,��_—�— sets a lesser simount. if so, L.ender may, at any time, collect and hald Funds in an amount not to exceed the lesser amount.
<br /> `;;jq��,'�„�;;;� i,ender may estiniate the amount of Punds due�n th� busis of current data and reusonable estimates of cxpenditures af future
<br /> -=s�� Escrow Items or otherwise in accordance with applicable luw.
<br />=--��9� The Funds shull bc held in ar� institution whosc deposits arc insurcd by a fcderal agency. instrumcntulity, or entity
<br /> ��`}�� ' (including L.cndcr,if Lcnder is such un institution)or in any Fedcral Home Loun Bank. I..endcr shall npply thc Funds to pay thc
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<br /> ;�,.�}� Escrow Items.L.endcr mny nut chargc Borrc�wcr for holding und applying thc Funds,unnually analy�ing t c cscrow uccoun,c
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<br /> ,�n��� verifying the Gscrow Items,unless Lender pays E3orrower interest on the Funds nnJ applicable law pern�its l.ender to muke suc
<br /> ti4i���,'�= a zy�=�� �n;;,�.,�., L���l�r may require Borrawcr to pay u unc-timc churgc for un indcpendent reul estutc tux reporting scrvice
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<br />.�°_��� used by Lender in connection with thin loan, unless npplicable luw provides otherwise. iinic�� an ugi4�iitCn! _° r� � ^r
<br /> =t-��'���-� upplicuble law requires intcrest to bC paid, [.endcr shull not bc reyuircd tc� pay Borrowcr any intcrest or carnings on tha Funds.
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<br /> Burrowcr und I.endcr may agrcc in writing, howcvcr, t hu t in tc r e s t s h n l l b c paid on the Funds. Lendcr shull give to Bonawcr,
<br /> ---- — without churge, an annual accounting of[he Funds, showing crcdits und debits to the Funds and the purpose for which each
<br /> ___"-''� debit to the Funds was madc. The Funds are pledged as nddiNonal security for all sums securcd by this Sec:urity Instrument.
<br /> If the Funds held by Lender exceed the amounts permitted co be held by upplicable law, Lender shall uccount to Borrower
<br /> rmi�s�sn�� for the Qxcess Funds in accordance with the requirements of appltcable luw. If the amount of the Funds held by I.ender At any
<br /> �"������� time is not suf�cient to pay the Escrow Items when due,L.cnder may so notify Borrower in writing,and,in such case Borrower
<br /> -°-'����`s shall pay to Lender th�amount necessary to make up the deficiency. Bonower shall muke up the deficiency in no more than
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<br /> ----'�" twelve monthly payments,nt L.ender's sole discretion.
<br /> __ -�""� Upon payment in full of all sums secureci by this Securiry Instrumcnt, i..ender shall prompdy rcfund to Borrower nny
<br /> _._�:;:-.� Funds hcld by Lender. If,undcr paragraph 21, Lender shall acquire or scU the Property, Lender, prior to the ucyuisition or sale
<br /> -- >>:G�'l of thc Property,shall apply any Funds hcld by Lender at the timc of acquisition�r sale as a credit against thc sums secured by
<br /> -=T°= — this Security Instrument.
<br />=:,,;=`� 3.Appllcatlon��f Payment:�.Unless applicable law providcs otherwise,all paymcnts received by i.c:ndcr under parugraphs
<br />°-- �'"�' 1 and 2 shall be upplied; first,to any prcpayment charges due under the Note;second. to amounts payablo �nder parugraph 2;
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<br /> ""=�� third,to intcrest due;fourth, to principal duc:und Inst,to any late charges duc undcr the Note.
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<br />'=�:a�;:.�'., 4.Charges; Ltens. Borrower shall puy all taxes,assessments, char�cs, fines and impositions atn•ibutablc to t e roperty
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<br /> _ which mAy attein priurity over this Security instnement, and leasehold paymenis or ground rents, if uny. Borrower sh pay
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<br />,_,�.,.. . these obligations in the manner provided in paragraph 2,or if not paid in thut mnnner, Borrower shaU pay them on timc directly
<br /> � -5�'"��', ro the person owed payment. Non�ower shall promptly furnish to L.ender all noticcs of amounts to be paid undcr this paragraph.
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<br /> if Borrowcr makes thesc puyments dircctly, Borrowcr shall promptly furnish to Lendcr receipts evidencing thc payments,
<br /> ° ' Borrower shall promptly discharge any lien which has priarity over this Security instrument unless Borrower:(a)agrees in
<br /> • .� writing to the payment of the obligation securecl by the lien in u munner ucceptable to Lender:(b)contests in goc�d faith the licn
<br /> �► by, or defends uguinst cnforcemcnt of thc licn in, Icgal prncccdings which in the Lender's c�pinion operate to prevent thc
<br /> ' f enforccment of the lien:or(c)secm•es from thc l�oldcr c�f thc licn an agrcemcnt satisfuctory to Lcndcr suborJinatin�thc licn to
<br /> this Sccurity Instrumcnt. If Lcndcr dctermines diat any p:�rc c�f the Property is subjcc:t to a licn which muy nnain priority over
<br /> this Sccuriry Instrument, Lendcr m�ry givc Borrowcr u noticc idcntit'ying thc licn. Borrowcr shall satisfy thc lien or takc one or
<br /> . ; more of thc c�ctions set fc�rtli above within 10 days of the giving of nc�ticc.
<br /> Form 3028 9/90
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