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<br /> TOaETHER WITH�11 thc improvcmcnts now or hereuficr crectcd an the property,an���ementA:'1►�p��afs.and
<br /> f3xturer, nu�v or herea!'ter s part ot' the prn�+ert,y. AII repiucernente and udditians Khull alno 6e covered by this Secudty
<br /> Instrument. All af the fure�ain�is ret�rrod to i�thiR Serudty Inslrwnent as the"Pcaperty.` •
<br /> BURROWER COVENANTS thut Bprrowcr i�;lawfully�cfr�ed af ihc estutc hcrcby convcycd and ha5 thc r�ght t�o gmnt and
<br /> convey the Property and tltiat the Prapeny is unencumbered. excepi far encumbrunre� i�f recnrsd. Fforcower wurrnnta and wilt
<br /> defend generidly the title ta the Praperty aguinst utl claims und demunds. subjest ta uny encumbrcuicca af record.
<br /> THIS SECl1RI'PY INSTRUMENT combiacs unifurm cavenants for nutianal use und nun-unifarm covennnta wlth lim�ted
<br /> vnrintions by jurir�iictiun to constitutc�uniform r+ccurity Instrumem cavcring rcnl property. —
<br /> UNIFORM COVE[VANTS. Horrower and Lender covenant cuid ugree as follaws:
<br /> 1. Payment oi Principal and Interest; Prepayment and I.nte CharRes. Earrower shutl pmmptly pay when due tho
<br /> pr�nclp:il of und Interest on the debt evidenced by the iVute and any pmpaymant and lute chorgcw due under the Note.
<br /> 2. F�ads tor Toxes und Insurence. Subject to applicabla law or ta n written v�aiver by 1.ender. Borrower shall pay to
<br /> Lender on the day monthly payments ure duc under the Note,untll the Note Is paid in fu11,u sum("Funds")for:(a)yearly ta�c�
<br /> attd nssessrnents which cnny nttain priortty aver thls 5ecudty Instrument us a Hen on the Propeity:(b)yearly leasehotd payments
<br /> or ground rents on the Property,if any;(c)yes�rly h�nrd or property insurance prer►�3ums;(d)yearly tload insurance premiums,
<br /> if any; (e)yearly mortgage insumnce premiums,if any;and(� suty sums payable by Honower to Lender. in accordance with
<br /> the provisions of purngrnph 8,in lieu of the payment of martgage lnsurance Fremiums. These ltems are called "Escrow Items."
<br /> Ixnder may. at uny time, collect ar►d hold Funds in an umount nat to excetd the maximum amount a lendar for a federaUy
<br /> nlated mortguge toan may require for Borrower's escrow account under the federel Real Bstate Settlement Procedutes Act of
<br /> 1974 us amended from time to time. 12 U.S.C.Section 2601 et seq.("RESPA").unless another law that applies to the Funds
<br /> sets a lesse.r amawtt. if so. Lender may. at ruyy tirac, co!lect and hold Fuctds!n an smount not to exceai the lesser amaunt. -
<br /> Lender may estimata the amount of Funds due on the basls of current data and reasonable estimates of expeaditures o;future
<br /> &,ciuw[terns or atherwise in accar.taace w•ith uppltcabiC iaw.
<br /> The Funds shall be held in un institution whose deposits are ins�red by a federal agency. fnstrumentality, or entity
<br /> (including L.ender.if Lender is such an institution)or In eny Federal Home Laan Bank. l.ender shaq apply the Funds to pay the
<br /> Escrow Items.I.ender may noi char�e Bormwer far holding and epp(ying the Funds,annually unalyzing tbe escrow aoconnt,or
<br /> verifyin$ttte Escmw Items.unless I.ender pays Borrower interest on the Funds and epplicable law permits Lender to make s+�cb
<br /> a charge.Nowever.Ler.asr may require Horrower to pay a one-time charge far an independent real estate tax reporting service
<br /> usad by Lender in connection with this loan, unless applicable law provtdes otherwise. Unless an agreerctent is made or
<br /> applicable law requlres Interest to be pald. I.ender shull not be requirEd to pay Borrower any interest or earnings on the Funds.
<br /> Borrower and Lender may asree in wrlGng,however,that interest shell be paid on the Funds. Lender shall give to Bonower.
<br /> s�fiho�t chszge. sn snssu�!�ccas:ntiag of stse Fsmds.dtso���issg cretliis snd tl�hits i4 t!►� F�srtda And the purQo.�for which each
<br /> debit to the Funds was made.The Funds are pledged as additional setudty for all sums secured by this Securiry Itistrwnent.
<br /> If the Funds held by Lender exceed the amounts petmitted to be held by applicable law,Lender shall aocount to Borrower
<br /> for the exccss Funds in accordance wlth the requirements of applicable law. If the amount af the Funda held by�nder at aay
<br /> time is not sufficient to pay the Escrow Items when due,Lender may so nodfy Bormwer in wdtiog.end. in sueh c�se Borrower
<br /> shalt pay to L�ender the umount neces.gary to make up the deficiency. Borrower shall malce up the deficieacy in no more than
<br /> twelve monthly psyments,at Lender's sole dlscretion.
<br /> Upon payment in fi►ll of ali sums secured by thjs SecurIty Instrument� I.ender shall pmmpdy c+efund to Borrower any
<br /> Funds held by Lender.If,under paragraph 21.I.ender shall acquire or sell the Property.Lender.prior to the acquisition or sale
<br /> of the Pmperty.shati apply uny Funds held by I.ender at the ttme of acquisidon or sale as a credit aga�nst tbse swns secured by
<br /> thts Security Instniment.
<br /> 3.Applicatton oi Peytnents.Unless applicable law provides otherv+ise.all payments received by Lender under parugraphs
<br /> I nnd 2 shall be applied: tirst,to any prepayment charges due wider the Note;second. to amounts payable under paiagragh 2;
<br /> third,to Interest due;fourth.to principal due; und Iast.to any lata charges due under th�Note.
<br /> 4.Cita�ges;LIet�v.Borrower shail puy all wxes. assessments.charges. fiaes and impositions atMbutable to the Property
<br /> which may attain priority over this Se�curiry Instrument,and teasehold payments or ground rents. If ayiy. Bormwer shall pay
<br /> these obllgattons in th�manner provided in paragrnph 2,or if not paid in.that manner,Bomower shull p�y them on tune directly
<br /> to the person owed puyment.Borcower shal!pmmptly fumish to Lende�r all no9ices of amounts to be paid under this paragraph.
<br /> If Borcower makes these paymenu die+e�tly.Borrower shall promptly furnish to Lender mceipts evidencins the payments.
<br /> Horrower shall promptly dischnr�e any Iten which hus priority over this Securiry Instrument unless Bormwer:(a)agrees in
<br /> wrtttng to the payment af the obligatton secured by the Hen in a manner asceptable to L.ender;(b)rnntests in good faith the IfEn
<br /> by. or defends ag�inst enforcement of the lien in. le�al procr.ociings whtch in the L.ender's opinIon operate to prevent thc
<br /> enforcement of tha lien;or(c)stxures from the holder of the lien an agreement sutisfacwry to L.ender subordinuting the lien to
<br /> this Secudty Instrument. If Lender determines that any part of the Property is subject to a lien whtch may ettain priority over
<br /> this Security Instrument.Lender may give Bonnwer n nodce iden�ifying the lien.Horrower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> � Form 3028 9l90
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