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<br /> 1�0(iBTHER WITH ull the improvemertts now or hereafter crecteci on the pmpa�ty.cend trll�e3�icnts.uppurtenurtces, and
<br /> fixtures now ar hemafter u purt of th� pruperty. All replacementc and udd'edons shall also be cavered by this Security
<br /> instrument.Ali uf the foregoing is refc�rred ta in this Secudty Instrument ag the °Praperty."
<br /> BORROWfiR COMBNI�NrS that 8arrower is luwfldly selscd of the estnte hcrcby cunveyed nnd hus the�ight eo grnnt and
<br /> convey the Property und thnt the Property ia unencumbered.excepi for encumbmnce.g af record. 8orrawcr warcants nnd will
<br /> defend genernlly the dde to the Pcaperty ngainst ull cluims und demnnds,subjcct to any encumbrances of rerord.
<br /> THIS 5ECURITY INSTRUMBNT mmbines uniform covenants for ngti�nul use and non-uniform mvennnts with Itcr.ited
<br /> v�rlations by Jurtsdiction ta oonstitute o uniform security insttumeat wvertng re�i pmpertY• `
<br /> UNIFORM COV�NANTS.�armwer nnd Lender covenunt and�gree us followa:
<br /> 1. Paymcnt ot Princt�onl and Interest= PrepAyment and Lnte Chs�rge9.Borrower shnll pmmptly puy when due thc
<br /> grincipat of und interest on ttee debt evidenced�y the Note nnd any psepayment and tate charges due under the Note.
<br /> 2.Fiva�ls[or Twces And Insunuice. Subject to upplicable law or to a wdtten wniver by I.ender. Borrower sh�il pay w
<br /> ��p�r.►�t��ny mnnthiy e�yments nre due under the Note.unti!the Note ia paid in futl.n sum("Funds")for:(a)yearly tmces
<br /> und as,essments which mny nttnin priodty over�his Secndty Instn�ment as a lien an the Property:(b)yeariy icaseieoia payuesnss
<br /> or ground crnta on the Property.if any:(c)Yea*ly harunl or progerty inwranoe premiums: (d)Yearly flond insw�unce premiums.
<br /> if eny;(e)yearly mo�tgage insurance p�miums, if any;and(�uny sums puyable by Borrower to Lender, ia ucoordanoe wlth
<br /> the prnvlsions of paragraph 8.in lieu of the payment of mortguge Insumnce premiwns•These jtems nre c������'0w Items."
<br /> L,ender may,ut any dme,collect und hc►Id Fuads in an amount not to exoeed the mnximum amaunt a lender for u federnlly
<br /> �+elnted mortgnge loan muy c+equire for Borrower's escrow acarunt under the federul Reul Estsite Settlement Prcx.'edu�+es Act of
<br /> 197A a.q asc�d from tLne to time, 12 U.S.C.Section 2601 et seq. ("EtESPA"),unless onother law that applies to the Fundr
<br /> seta a lesser amount.If so. [.ender may. at any ttme. collect und hotd Funds in an amount not co e�caeed the lesscr amount.
<br /> Lender msiy estimate the amount of Funds due on the basis of current datn and masonuble est�mates of e�cpendituces of fuwre
<br /> Escrow Items or o[hen�vise in axordance wlth applicable lAw.
<br /> The Funds shall be held in an insdtutton whose deposits are insurad by a federat agency, instnunentality, or entity
<br /> (IncIudins Lender.if I.ender is such c�n institution)or in tu►y 6'�derat Home Lonn Hank.L.ender shnU appl�th�euF���y oi
<br /> Escrow Ite3ns. Leader may nat charge Borrower for holdIng and applying the Fuads. s�nnaally st�ttalYziag
<br /> verifying the Escrow Items,unless Lender pays Borrower interest on the Fw�ds aad appllcable law permita Lender to make such
<br /> a chnrge. Ho�vever.I.ender may require Borrower to pay a one-t�me cdarge for an independent real estate tax r�porting service
<br /> used by E.ender in wrutection with this loan. unless applicable !t►w pmvides othe�wisC• Unless an aSreemeat is made or
<br /> applicable law requires interest to be patd. Lender shall noi 6e required to paY Bomow'er a�►Y inteTest or eamings on the Fw�da.
<br /> �,►�wPr a�xf tender may aenee ia writin�,however.thut intet+est shall be paid on the Funds. L�eader shatl give to Borrmwer•
<br /> wlthout charge�an annual ucwundng of the Funds, showing cradits and debits to the Funds$id the purpose far which e�h
<br /> debit to the Funds was made.The Funds are pledged as addttional securiry for all sunas s�ured bY this Securtty Insuument.
<br /> If the Funda held by Lender excead the amounts permiued w be held by sppAcable iaa.LEnder shall acoount w Borrower
<br /> for the eacess Funds ia accordance with the neqtiieements of applicable law.If the amount of the Funds held by L�ender ai any
<br /> time is aoi sufficient to pay the Hscrow Items when due.Lender may so notify Bomower ia writing.and�in snct►case Borrawer
<br /> shall pay to L.eatder the amovnt nacessary to make up the deficlency.Borrower shatl make up the defideacy tn ao more tl�aa
<br /> tweive monthly paymente,at I.ender's sole discretion.
<br /> Upon payaient in fuli of aU cums secu�d by this Security Instru�rs�nt, I.ender shall prompdy refund ro Borrower any
<br /> Funds held by Ler.der. If,under paragraph 21.Lender shall aoquire or sell the Property.Lender.prloz w the aoquisition or sale
<br /> af tha Pcoperty,shall apply uny Funds held by Lender at the time of soquisItion or sale sis a credit against the swns sacuned EY
<br /> this Security Insttument.
<br /> 3.Appl€atHoa ot Payaaeats.Unless appiicable taw prnvides otheraise,all payments reoeived by I,endea uader ParagiaPhs
<br /> 1 and 2 sbutl�e agplied:first�to anY PrePayment charges due under the Note; secmnd.w amounts payable under paragraph 2:
<br /> th{�d,pu interest due;fourth,to principsil due;and last.to any late churges due under the Note.
<br /> 4.C6arges; Ltens.Boirower shatt pay all taxes.assessmems, charges. �ines and impositions attributable to the Pcoperty
<br /> which may attaia priority over this Security Instn�mEnt, and leasehold payments or gronc�d rents,if:.ny. Borrower sball pay
<br /> these obligations in the manner pmvided in paragraph 2,or if not paid ia that manner.8orrower shall pay them on time direNy
<br /> t�the person owed payment.Borrower shall promptly fumish to Lender all notices of amounts to be paid uader Nis para�cnpb.
<br /> ff Borrowrer malces these payments diractty,Botrower shall promptly 4Stmish to Lender c�eceipis evldencing the payuients.
<br /> Bornawrx shall promptly discharge any lien which t�as priority c�ver this Searity Insuument ualess Borrower:(a)a�grees in
<br /> ' writing to the paymeat of the obligation�ecured by the lien in a manner aoceptable to Lender;(b)oontests in good faith the lien
<br /> by. or defends against eaforoement of the lien �n. legal prooeedings which in the[.ender's opinion operate to prevent che
<br /> eaforoem+etrt�f the lien;or(c)secures tram the holder of the lien F►n agreement satisfactory w Lender subordinadng the l�en to
<br /> thjs Se�vrity Instrumem.If Lender detersnines that any part of the Property is sub3ea to a lien which may attain priority oyer
<br /> this Securiry Instrument,Lender may give Borrower a notice identifying the lien.Borrower shatl satisfy the lien or take one or
<br /> more of the actions set forth ubove wlthin 10 days of the givin,g of rtotloe.
<br /> Fcrm 3028 9i90
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