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<br /> TOO�TIHBR WIT�i all the improve�nentss now or hereafter ceecsed on the property.a►d alfcu�emen��llReMh�s�und �
<br /> fixtuees naw or heralfter a �art of tho property. All replacements and additlona shail ulso be covered by thiR Secudty
<br /> (nstruimnt.All af tha forcgning is rcfcmed to in this Secudty Instrument as thc"Praperty."
<br /> BORR.OWBR COVENAN'fS thnt Borrower is luwthlly selFCd uf the estate hereby conveyed nnd hos the right to gcunt and
<br /> c;onvey the Property und thut the Praperty is unencumbered.except for enc�unibrwices of rca�rd. Horrower ivarrants aad wiR �
<br /> defend generutty the utte to the Property aguinst ull claims und demnnds,subject w uny encumbrsuicea of record.
<br /> THIS SECURITY iNSTRUMBNT wmbines uniform covenonts for nation�l use and non-nniform covenwus with timited
<br /> vedations by jurisdiction to consUtute n aniform security instrument cover�ag real praperiy
<br /> UNIPORM COVENANTS.8�rrower and Lender mvenunt und agrce ea followR: a when due the
<br /> 1. �eyment of Priuctpai and Intee+est;Prepsyment And I.a3e Charges.Hortowcr shall pmmptly p y
<br /> principal of snd interest on the debt evtdenced by the Nnu and any prepuyment and lute cAarges due ander the Noto.
<br /> 2. Ftmds for Texes suad Ins�uanee.SubJect to applicxibta Iaw or to a wdtten waiver by Lender. Borrower shall pay to
<br /> i,ender on the clay monthly payments are due under the Note.until the Note Is p�id jn full,a sum("Funds")for:(a)yearly taxes
<br /> iu►d ussessments which may atwin priodty overthia Security Instnune���n li�e po�n���►tY�(�b)fl�i I�h�o�l p�a��'
<br /> or ground rents on tha Pcuperty.if any:(c)Yeurly hnzcud or pmperty
<br /> if any;(e)yearly mortgage lnsuran�ce premiam+� if enY�and(�any 6ums payable by Borrower to Lender. ia accordenoe with
<br /> the p�nvisions of paragraph 8,in lieu of the puym�u of mortgage insurance premtums. '1]►ese Items are calle�"F.scmw Itecas."
<br /> Lender may. �t any Nme. collect and hold Funds 1n an amount not to exceeei the max�mum amaunt a lender for a faderally
<br /> nlatad mortgage loan unay require for Borrower's escrow accouat uader the federal Real Estate Settlement Procedures Act of
<br /> 1974 as amende�from dma to time, 12 U.S.C.Se�tlon 2601 et seq. ("RESPA'). unless another law that applies w the Fw�d�
<br /> seta a lesser amount. If so. L.ender may. ut any time, collect and hold Funds ia en aaaount aot to axoeai the lesser aaiount•
<br /> l.ender may estimate the amount of Funds due oA the basis of current data und reasonablc estianates af expenditures of thturo
<br /> Escrow Itema or otherwise in accordance wfth applicable law.
<br /> The Puads shell be held in an inatitution whose deposlts are insured by a fe�teral agency. �nstrumentslity, or entity
<br /> (iacluding Lender.if Lender ia such an insdtution)or ia iu►y Federal Home Loan E�ank• 1.ender shall apply tho Fwtds w paY the
<br /> Escrow Itemg.Lender a�ay not charge Borrower for holding and applying tha�w�ds.annuafly uT�alyzing tbe e.s�row aocount,or
<br /> vedfying the Escrow Itema.w�less Leader paya Borrower interest on We Fuudy and appiicabie!aw pe�it�Lender to make snch _
<br /> ��cgP, fi�wever,L.ender mav require Horrower to pay a one-time charge for an indcpendent real estate tax reporting servlce
<br /> used by I.ender in connection with thie loan, unless applteable law provides otQerwlse: Unless an agc�emeni is ���
<br /> epplicable law requires interest w be pald.Lender shall not be required to pay Borrower any interest or eamings on the Puads.
<br /> Borrower and Lendeit may agree in wrlttng. dowever.that interest shnU be paid on the Punda. I.ender shaU give to Barrower,
<br /> without.char�e, un anuual accuunting of the Fuada. showing c�+adlts and debita ta the Funds and the puppose for whlch each
<br /> debit ta the Funds was made.The Fuads are pind�ed es additional security for all sums secw+ed by this Seauity Insm�raent.
<br /> if the Funds hoid by Lender eaceed the amounts permttced to be held by applicable law,Lender shall account'tb$orrower
<br /> for the excess F�nds in acconlanx with the requirements of applic�ble law.If the amouat of the Fuads held by Lender at ar�y
<br /> dme is not suffic}ent to pay the Escmw Items when due.i.ender may so notify Bort�nwer in wciting,and,in such case Borrovrer
<br /> ehall pay w Lender the amount necessaiy to make up the deticiency.Borrower ehall inake up the deficieucy in ao more than
<br /> twefve raoathly paYmenu,at Lender's sole discretIon. ������yer any
<br /> Upon payment in full of ail swns secured by thia Secudty Instrument. Leader shatl promptly
<br /> Funds hetd by Lender.If.under paregrapL 21,I.ender s6a11 acquirc or sel}the property,I,ender.prior to the acquis�tion or sale
<br />, of the Ptqperty,stiall apply any Funds held by 9render at the t�me af acyuisition or salo as a credit against the sou►s secwed by
<br /> this Sacurity Instrwnent.
<br /> 3.;Applkadoa of P�ymenla.Unless eppifc.�ble law provides otherwise,all paymema received by Lender under parag�aphs
<br /> 1 and 2 shell be�pplied: fust.to any prepayraent chazges�due under the Nqte:second.W amounts payable under paragreph 2;
<br /> thicd,to inurrst du�;foutth,to prinelpal due;and last.to any late eharges cloe under the Note.
<br /> 4.Clt�rges�Lte�.Borrower shali pay all �,assessments,charges, fines and imposittons anributable to the Property
<br /> wtuch may attain prIarlty over this Securicy Insuumeat, and leaseho(d paymeats or gmund�rents, if any. Borrnwer shall pay
<br /> thesse obligatiorta in the munner prflvlded in paragraph 2.or if ttot pnid in.thnt manner:Borrower shall pay them on time directlY
<br /> ro t6e person owed paymtnt.Borrower shutl promptly furniah,tn I.ender sJl nodoes of amounts to be paid under this paragragh.
<br /> If Borrower makes 2hese paYmenis direcdY•B��''ower shall promptly f�misfi to Lender roceipts evidencing the payments.
<br /> Borrower sha!!prompily dischar.ge any Ifen which has priority over tbis Seeudty Insmiment unl�s Borrower:(a)ag�e�in" ,'.
<br /> writing to the payment of the obligcuioa secured by the lien in a manner acceptable to l.ender;(b)eomests in 800d faith the lien
<br /> by. or defends against enforcement of the Uen ia. legal �racee�tings whtch in tha lxnder's opinton opemte to prevent the
<br /> enforcement of the lien:or(c)secures from the hoider of the lien an ugreemem satiafactory to Lender suhordinating the lien to
<br /> this Securicy Inspvment. If L.ender detern�ines that any p$rt of the Property is subjeci to tt(Ien which�y nttuin prtortty over
<br /> this Security Instrument. I.ender may give Bamower a notice identifying the Iton. Borrower shall satisfy the lten or txlce one or
<br /> morc of the acdons set forth above witWn 1Q days of the giving of notioe.
<br /> Fam 30Z8 9/90
<br /> PeQe 2 0�8
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