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<br /> ��� TOCILTHGR WITH all thc i�npr.oven�ents iguw or i►creaRer ceectect on mc�roperty, nnct au cascmcnts,upywi���u���i;,�,�.� =
<br /> flxtureR naw ar hereafter a part of tlie propzny. All rcplaa:mcntA o�d add�t[ons shnil also be covercd by this 5ec:urily
<br /> Instrument. Ali of thc for�going is rcf�;rr�d to in tliis S�cu�ity Instnsment�s the"Propcny." _
<br /> BORRO',VER COVF.NANTS tliat 8orrower is tawfully scisod of thc cstatc hcreby canvcyai aixl l�as thc right to grant eixl —
<br /> , couvey the Propc�ty ai�d that the Pruperty is unencumbered, except for ciicumbrances of record. Amrawer warrunts und will
<br /> defend generuUy the title to die 1'roperty against uN clahns a�td de;uairds,aubjut au auy eucuiilbrances of record. -__
<br /> '�HIS SG�URITY INSTRUMENT cambfnes unif�rni covenanis for nation•rl use ayyd nan•uniform c.ovenants with limitexl
<br /> ---� vuriatians by juriulictian t�conssiwte u uniFonn security instrumcnt covering rea!praperty.
<br /> UNIFQRM COVENANTS.Borrowcr and I.ender covenant nnd agree as ful lows:
<br /> _ �� p�y��„�� �e n.����� �.,a �;.►�.��; Pronnv!*e�nt wnd I.ate CharRes. Borrowcr sliall pratnptiy pay whcn du� the _
<br /> principal of and interest on thc debt evidenced by the Note nnd any prepayment nnd late charges due under the Note.
<br /> � 2. �nds for Taxes and Insurance.Subject tu upplicable Inw ar to a writtcn waiver by Lender, Borro►ver shall pay to _�
<br /> Lender on thc day monthly paymcnts are due un�er tnc Notc.until thc Notc is paid in full,a sum("Fur�ds")far:(a)ycarl�taxes
<br /> and assess�nents which may attain priority over this Security Instrurnent as a lien on�he Property: (b)yearly leaschold payments
<br /> or ground renss on the Froperty.if uny;�c)yearly haznrd or praperty insurance premiums;(d)yearly flood insurancc premiums.
<br /> if any; (e) ycariy mortgage insuranee premiums, if Any; and (�any sums payable by Bonower ta I.ender, in uccordance with
<br /> the provisians of p�ra�ruph 8, in lieu of the payment of mortguge insurance premiums.These items are c.�lled "Escrow It�ms."
<br /> L_ndcr m1y, �c any time, coliect and hold Funds in an umount not to exce�:d the maximum amount a lender for a federnlly
<br /> -- rellted mortguge loan may require far Borrawe�'s escraw account under the federal keal Estate 5e�itement Procedures Act uf
<br /> 1974 as amended from time to time, 12 IT.S.C. Scction 2601 et seq. ("RESPA"),unless another law that applies to the Funds
<br /> �-''"""'�� sets a lesscr amount. If sa. Lcnder may, nt any time, wfie.�i ai�J hold funds in an a�r.onnt r.o! to eycre�� the Icsser 5mount. _`
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<br /> - L.ender may estiinate the amount ot Hnnds due on the bxsi�of cu�rcnt data an3 ruz�an�ble estir+_�� ef ex�rnditures of future _
<br /> ��� Escrow Items or otherwise in accordance with applicable law. —
<br /> The Funds shall be hcld in an institution whose deposiGs are insured by a federa! ugency, instrument:tlity, or entity
<br /> "'� (including l.ender, if i.ender is such un institution)or in any Federnl Home L.oan Bank. L.ender shall apply the Funds to pay the _
<br /> -"'°=-x i cscruw Iic�tis. Lcndri n�ay ��ot<I��;b:.Bo:rca•c:for holding and ap�t�ir.o the F��ad�, �nnually analyzin�thc cscrow account,or =.-----
<br /> ��� verifying the Escrow Ieems, unlcss Lender pays Bonowcr interest on the Funds acid applicable law permits Lender to make such
<br /> -"'"'� a chr�rge. Howevcr, Lender may requtre Borrow�r to pay a onc-time charge for un independent real estate tax reporting service
<br /> :-ti�i y „crd hv L.ender in r.onnection with this loan, unless applicable law provides othenwise. Unless an a�reement is rr�ade or —
<br />--•_-��j,� applicabie law requires interest to be paid,Lender shall not be required to pay tionawer any interes[or eamings on ii�e Fu�ius.
<br /> '�" Borrower and Lender may agnee in writing,ho�vever, that interest shall be puid on the Funds. Lender shall give to Borrower.
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<br />_:;�-;�?�� without charge, an annual accounting of the Funds,showin� credits and debits to the Funds and the purQasc for which eac
<br /> "`°"--°- debit ro the Funds was made.The Funds are pledged as additional security for all sums secured by this Security Instrument.
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<br />-=`��+r�.'_.� If the Funds held by Lender exceeci the amounts permitted to be held by applicable law.Lender shali account to Barrower
<br /> �� for the excess Funds in accordanee with the requirements of applicablc law.If the amount of the Funds held by Lender at any �
<br />=�,� time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing,and,in such case Bonower
<br />._,-._�•r� shall pay to Lender the:unount necessary to make up the deficiency. Borrower shall makc up the def'tciency in no more than �t�
<br />"~'�'7 twclvc monthly payments,at Lender's sole discretion ��;,
<br />;���4;� Upon payment in full of aU sums sec�ired by this Sccurity Instrumcnt, Lcnder shall promptly rcfund tu Bonower any �_;�Y,
<br /> -=:r��a�� Funds held by Lender. If,under paragraph 21, Lender shall acyuire or sell the Property.Lender, prior to the acquisition or sale "°'
<br /> ��'"''� of the Property,shall apply any Funds held by Lendcr at the time of acquisition or sale as a crcdit against the sums secured by �
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<br /> ,s�i�� this Securcry[nstrumcnt. � s
<br />-- " 3.Application oi Payments.Unless appl icablc law provides othenvise,all payments reccived by I.ender under parugruphs �„ _
<br />--�" l and 2 shall be upplied: first, to any prepayment charges due under the Note; second. to amounts payuble under paragraph 2: �,�
<br /> �'i third,to interest duc;fourth,to principal duc: and ls,t, to any late char�es due undcr the Note. �+��;
<br /> '�`"- 4.Charbes: Ltens. Borrower shaU pay all taxcs, assessments, rharges, fines and impositions attributablc to the �roperty ,'�.;
<br /> �r�,� whici� may attain priority over this Sewrity [nstrumcnt, and leasehold paymcnts or ground rents, if any. Bortower shall pay
<br /> �'��-� these obli�ations in the manncr provided in paragraph 2,or if not paid in thut manner, Borrower shall pay them on tirrie directly .��'=
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<br /> '`�.�� to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paiJ under this pnragraph.
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<br /> :.�r.-t If Borrower makes these paymerus directly, Borrower sh�dl promptly furnish to Lender receipts evidencing the payments.
<br />=�s'���','', t . I3orernver shall promptly discharge any lien which has prioriry over this Securiry Instrument unless'Bnrrower: (a)agrees in
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<br /> :?�•t� writing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in gund faith the lien
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<br /> ,•: by, or defends against enforccment of the lien in, legal prucceciings which in thc Lendcr's opinion operatc to prevent the
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<br /> ::__�. :. enturcement of the lien:or(r)sc�:ures from the holder of the lien an agrcement satisfactory to L.ender subordinating the lien to
<br /> �,..,, �' this Security instrument. If'L.ender determines that any part of the Property is subject to a licn which m:�y attain priority over
<br />:=_,.�.^: this Security Instrumcnt, Lcndcr may givc 8orrower s noticc identifying thc l ien. Borrower shall s;itisfy the licn or take one or
<br />._;;-.r � mure of the actions set forth sbove withiu 10 days of the giving of noticc.
<br /> i. Form 3028 9/90
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