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<br /> ' TQGBTHER WITH all thc Improvemeni� now on c�rcaf'tcr erect4�d on the property, and all cascments,
<br /> appurtenancea, and fixtures nov� or tsercafter a part af thc property, All replacements m�d additions shall also be
<br /> coverod by this Security Instrumettt, Ali of the foregoing is referreci to In thls Security Instrument as the "Aro�eny."
<br /> BORRQWER COVENANTS that Borrower is IawPully sclsed of thc estate hereby convcyed and has the right to
<br /> grant and convey the Property a��d that the: Property is unencumixred, exccpt for cncwnbrances of record. Horrower
<br /> warc:nts and wflldefend generally the tltle to the Property against all claims a�id demands, subject tu any encumbr�uices
<br /> of record.
<br /> THIS SECURITY INSTRUMENT contbines unifonn covenants for natiunul usc w�d non-unif'orm covcn�uus witl� �
<br /> limltcd varietions by jurisdictlon to constitute a unlform securlty instrumeat covering real property.
<br /> UNIFORM COVENANTS. Borrower and Lender covenant und agree as follows:
<br /> 1. P�yma�t of Priacipal rmd Interest: P�q►tYma►t +md I..�t�(�uBa, Borrower shall pr�mptly pay when due the
<br /> pr[ncipxl of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br /> 2. Pundt for Tues aod Inwraooe• Subject to applicable law or to a written weiver by Lender, Borrower sliaU
<br /> pay to Lender on the day monthly Nayments are due under the Note, until lhe Note is paid ln full,a sum ("Funds")
<br /> for: (a) yearly taxes and assessmen[s which may attain priority over this Securlty Instrument as a lien on the Property;
<br /> (b) yearly lcasehold payments or ground rents on the Property, if any; (c) yearly hazard or property lnsurance
<br /> premiums; (d) yearly flnod Insurance premiums, if a�iy;(e) yearly mortgage insurance premiums, if any; and (� any
<br /> sums payable by Borrower to I.ender, in accordance with the provis;ons of pazagraph 8,ia lleu of the puyrnent of
<br /> nwrtgsge insurance premiums. These ltems tue �alled "Escrow Items." Lender may, at any time, collect and hold
<br /> Funds in an arnount not to exceal the maximum amount a lender for a federally re.lated mortgage loan may require
<br /> for Bonower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time -
<br /> to tiinc, 12 U.S.C.$2601 et seq. ("RESPA"), unles� another law that applies to the Funds sets a lesser amount, If
<br /> so, Ixnder may, at any time, collect and hold Funds in an amount not to exceecl the lesser amount. Lender may
<br /> estimate the amount of Funds due on the basls of current data and reasonable estimates of expenditures of future
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shell be held in an institution whose deposits are insured by a federal agency,instrumentality, or entity
<br /> (including I.ender, if Lender is such an institution) or in any Pederal Home Loan Bunk. I.ender shell apply the Funds
<br /> to pay the Escrnw Items. Le7der may not charge Borrower fur holding and applyinE the Funds, annually analyzing
<br /> the escrow account, or verifying the 8scrow Items, unless I.ender pays Borrower interest on the Funds and applicable
<br /> law permits Lender to make such a charge. However, Ixnder may require Bonower to pay a one•tlme charge for an
<br /> indeQendent real estate tax reponing service used by Lender in connection with this loan, unless applicable law
<br /> provides otherwise. Unless nn agreement is made or applicable law requires lnterest to be paid, I.ender shaii no� bc
<br /> required to pay Borrower any interest or eamings an the Funds. Borrower and l.ender may agree in writing,however,
<br /> thet interest shall be paid on the Funds. Lender shall give to Borrower, wl[hout charge, an annual accounting of the
<br /> Funds, sh�wing credits and debits to the Funds and the puipose for which each debit to the Funds was made. The
<br /> Funds are pledged as additional security for all sums sacured by this Security Instrument.
<br /> If the Funds held by L,ender exceed the amounts perntitted to be held by applicable law.T.ender shall account to
<br /> Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held
<br /> by I.endcr at any time is not sufCcicnt to pay the Escrow itenu when due, Lender inay so notify Borcower in writing,
<br /> and, in such case Borrower shell pay to I..ender the amount necessary to make up the deficiency, Borrower shall malce
<br /> up the deficiency in no more than twelve monthly payments, at Lender's sole discretlon.
<br /> Upon payment in full of a!1 sums secured by this Security Instrument, Lender shall proinptly refund to Borcower
<br /> any Funds held by Lender. If,under pazagraph 21, I.cnder shall acqulre or sett the Property, L,ender, pdor to the
<br /> acquisition or sale of the Property, shall apply any Funds lield by Lender at the time of acquisition or sale as a crodit
<br /> against the swns securod by this Security Instrument.
<br /> 3. Applii;ation of Paymentt. Unless applicable law provides otherwise, all payments received by I.ender under
<br /> para�raphs 1 and 2 shall be applied: first,to any prepayment charges due under the Note; second. to aznounts payable
<br /> under pzragraph 2; third, to interest due; fourth, to principal due; nnd last, to any late charges due under the Note.
<br /> 4. Charges; Lieu�. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the
<br /> Proptrty which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any.
<br /> Bonower shall pay these obligations in the ma►uier provided in paragraph 2,or if n�t paid in that manner, Borrower
<br /> AIggAASCA�ingle FamllyFI1MA/FEII]dC UNII'ORM RdSTRU1NHNT E'orm 302d 9f90
<br />' na�,. sY��.t�.ceoo��v�isw Page 2 of S
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