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<br /> y'�•*�•'.�'•> TOdETHER WITH ull the improvements now or hereufter erected an the propc�rty, und idl en'ements,upp�irtenanccs, nnd
<br /> tz�': �~"• fixtures now on c�rcaftcr a pun of �tic pro�erty. All rcplacci»ents and uclditic�ns shull idso hc covcred by this Securlty
<br />--�'r!;. Instrumcnt. All of tfie forcgoing i.r•refcrrccl to in tl�ls Security Instrument as the "Nropeny."
<br /> *- •�rs�'� BORROWER COVENANTS thut Borrowcr is lu�vfully sciscd of thc c�t��tc hcrchy canvcycd and hus thc right to grant und
<br /> runvcy tlia PropenJ�and that the Property is ❑nenc.umhered, except f'nr encumbrui�ces of rerord. E3��rmwer warrants and will �
<br /> w----�--- defend gencrully thc title ta the Properry against ull claims und demunds,subject to uny encumb�uuce�uf record.
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<br /> ���"'•�� THIS SBCURITY INSTRUMENT combines uniform covcnants far nutional usc und non-uniform covcnants with limitcd
<br /> variations by jurisdiction ta constitut�a unifonn sccurity instrument covcrin�rcul property.
<br />— � � UNIFORM COVENANTS.Borrowcr and Lcnder covenunt and:►grcc a�follows:
<br /> . �., .� 1. Payment ot Principal and Interesh Prepuyment und I.ate Charges� Bnrrower shall prumptly puy when duc thc
<br /> principal of and interest on the debt evidencal by the Notc und any prcpaymcnt und late charges due undcr the Note.
<br /> - _ 2. Funds for Tuxc.w and Insurance. Subject to applic�ble luw or to a wriuen waiver by Lcndcr, Borrower shuU pay to
<br /> '_=�;:f;:f� .�� L.ender on the day mnnthly payments are due under the Nate,until the Note is puid in full,a swu ("Funds")for:(a)yearly taxes
<br /> - • °� and assessments which may attain prioricy over this Security Instrument as a licn on thc Propeny: (b)ycarly leaschald puyments
<br /> :. ,.,,;'�,, or graund rents on the Property,if any: (c)yearly hazard ar properry insurs►nce premiums; (d)yearly flood insurunce premiums,
<br />�,'';�e;�r�� if any; (e) ycady rnortgage insurunce premiums, if any; and (t� any sums payable by Borrower to Lender, in uccordance with
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<br />_�4„�_�,a.� . the provisions oF paragrnph 8, in lieu of the payment af mortguge insurnnce premiums.These items are called "Escrow Items.
<br />--;:-.�;:`.:..:.; I.ender may, at uny cime, collect �nd hold FunJs iii an amount not ro exceecl the maxin�um amount e Iendr,r for a federally
<br /> �'`��•x�%�1� related mortgnge loan may require for Bonower's escrow account under the Yederul Real Estate Settlement Procedures Act of
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<br /> • 1974 as amended from timc to time, 12 U.S.C. Section 2601 er seq. ("RESPA"), unless Another law that applies ta the Fun s
<br />',.•�;;��° ' sets u lesser amount. If so, 1Lender may, at any time, coUect and hold Funds in an amount not to excccd the lesser amuunt.
<br /> Lender muy cstimate the amount of Funds due on the bacis of current data and reasonable estimates af expenditures af future
<br />:_�.;;����,Y:,..: Escrow Items or otherwise in accordance with applicable law.
<br /> '-`•"�''r The Funds shall be held in an institution whose deposits are insured by a federal ugency, instrumentality, or entity
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<br />._�,. .: -.,. (includins Lender.if L.ender is such an institution)or in any Federnl Homc Loan Bunk. Lender shall upply thc Funds to pay t e
<br /> '.:xs;:�_.,:,,, Escrow Items.Lender may nat chargc Borrower far hnlding and npplying thc Funds,annually analyzing the escrow account,or
<br /> '��Y�'. _, verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and upplicable law permits Lender!o make such
<br /> '-.��'�:E'�:' a charge. However, Lender may require Borrower to puy a one-time charge for an independcnt rcal estate tax teporting service
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<br /> used by I..ender in Conneciiuu witii tfus laan, unlcss applir;z4�ls ls:e gro�':��s olhPn'!'icr.. ilnlces an aereement is ma e or
<br /> _ upplicable law requires interest ro be paid, Lcnder shnll not bc required to pay Borrower any interest or earnings on the Funds.
<br /> - ' �'��' Borrower and Lcndcr muy agrcc in writing, hawevcr, that interest shull be paid on the Funds. Lender shall give to Borrower.
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<br />�:�`�b :.9�. without charge, an annuul accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
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<br /> :`:xn�.rt•p= dcbit ta the Funds was made.The Funds arc pledge:d as additional security for aU sums secured by this Secunty nstrument.
<br />=''.'w' If the Funds held by I.ender exceed the umounts permit.ed to bc held by applicable luw,Lender shall account to Borrower
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<br />-' •,r_-�.r� for the excess Fu.�ds in accordance with the requirements of applicable law. If the amount of the Funds held by I.cnder at a�iy
<br /> �':,;�;�� time is not sufficient to pay the Escrow Items when duc,Lender may so notify Borrower in writing, and, in such case Eorrower
<br /> '`j��- _, shall pay to Lender the sunount necessary to make up the deticiency. Borrower shull make up the deficiency in no more than
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<br /> -'�••M,:�•a�� twelve monthly paymcnts,at Lender's solc discretion,
<br /> __ _ _�u•�,-� l,'pon payment in full of all sums secured by this Security Instrument, L.ender shall promptly refund to Bono�ver any
<br /> -�`�� Funds held by[.ender.If, undcr paragraph 21. I..endcr shall ucquirc or scll the Property,Lendcr,prior to thc acquisition ur salc
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<br />�L+���;;:` of thc Praperty, shall apply any Funds hcld by Lender at the time of acquisition or sale as u credit against the sums secured by
<br /> 'Y=�' �� this Security Instrument.
<br />�'�"���,�, � 3.Application oF Puynients.Unless applicablc law provides othcrwise, all paymcnts rcceived by Lendcr under paragraphs
<br /> -�';-�;r�F.:• 1 and 2 shall be applied: first, to any prepayme:nt eharges due under the Note; second, to umounts payable under paragraph 2;
<br />—_=-`°,�; third,to interest due; fourth,to principal due; nnd last,to any late charges due undcr the Note.
<br /> ,�'.. *.•. 4. Chat�es;Giens. Borrower shall puy all taxes, asscssments, charges, fincs and impositions attributablc to thc Property
<br /> �-���l�y: ' which may attain priority over this Securiry Instrument. and Ieasehold paynunts �r ground rents, if any, Horrower sha(I pay
<br /> -F�--,, thesc obligations in thc manr.cr provided in paragraph 2,or if not paid in thut manner,Borrowcr shall pay them on timc dirccdy
<br /> _ • [o thc person owecl payment. Borrowcr shall prompNy furnish to Lcndrr all noticcs of amounts to bc paid undcr this paragruph.
<br /> •�'�'?' If E3orrower makcs thcsc a ments dircctl Borrower shall rom tl furnish to Lender recci ts evidcncin the a ments.
<br /> . � P Y Y. P p Y p S p'Y
<br /> Borrowc�shxll prompdy discharge nny licn which has priority over this Security Instrument unle�s Borrower: (a)agrees in
<br /> writing to the payment of the obligation secured by the lien in a marnier accrptable to Lender; (b)contests ir�good faith the lien
<br /> � �
<br /> 1 by, or defends against cnforccment uf thc lien in, Iegal procccciings which in the Lendcr's opinion operatc to prevent t e
<br /> x enforccment of thc licn; or(c)sccures f'rom the liolder of thc licn an agrccment satisfactory to Lendcr suburdinuting the lien to
<br /> . this� Scrurity Instrumcnt. If Lendcr dctcrmineti that any part of'thc Propeny is subjcct to a lien which may attain priority ovcr
<br /> this Sccurity instrumrnt, Lendcr may givc Aorrowcr a noticc idcntifying thc licn. Borrowcr shall satisfy thc licn or tc►kc onc or
<br /> morc af the actions set f<�rth above within 10 days of thc giving of notice.
<br /> Form 3Q28 9/90
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