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<br /> 'fQQ1�iTHCR «/l'I'ai nll tlte impravements nuw o�I�GreaRer�rected on ihe property,uiid all c�iseme����,,c�t>� r���S:��ces,and E;_
<br /> fixtures naw or hercafter n pnrt of thc prnperty. All replacernents and ndditions shall alsc, be covered by this Security =-_
<br /> imi�u�nciii. nil aif ii��fiiiCEjt31:i2i i:re��lx!tu!�e tEil,,�'s�'•.�ir�tY Inrtnm.cnt.^.;�he "Pro(:crtV."
<br /> Htlk�LpiY['sR COV ENANTS th�t Elurrowcr is I��wFully scise�i of thc cstate hePeby convcycd und hns thc right to grant nnd
<br /> convey U�e Pruperry mul thut the Prn�Crt;fe; unencumbered, exeept for encumbr�nces af record. Borrowcr wurr�nts c�nd will
<br /> defend grncrally th�r tille tn the Property n�ninyt nll cl�dms and demunds,subject to any encumbrunces of record.
<br /> rHIS 3L'CURITY lNS'fRUM�[VT comhincs uniform covenants for national usc and non-unifonn cov�nants with limitcd
<br /> vari�ttimts by jurisdi�,Uof�to constitute a uniform hecurity intitrument covering rc::+l prapercy.
<br /> UNI�'URNI COVENANTS. [3orrower nnd I..endcr cavcnant nnd agrec as follows:
<br /> i. Paynient ot I'�°I�xipal und Inter�ct; Prepaynient nnd Le4e Charges. Horrower shall prampdy pay whcri duo tha
<br /> princip:d nf►�nd intcrest on the debt evidenced by the Notc and any prepuyment and late chargcs due under thc Notc.
<br /> 2. Fundy 6or'�ax�w u�td Insurance.Subject to npplicable law or to n wriuen waiver by Lender, Barrower shull pny ta ^
<br /> Lender on tfic day manthiy pitymcnts nre due undcr the Note,until the Note is paid in full,a sum("l�unds")for:(a)yearly tnxes
<br /> :�nd nsscssments whicli may uttain priarity uvcr this Sccurity lnstrument as a lien nn thc Property; (b)ye�rly Ieaschold payments
<br /> or ground rents on the Property,if a�y;(c)ye.lrly h;uard or property insu�-�ncc premiums;(d)yearly flood insurance premiums,
<br /> if wiy; (c) ycurly moitgage insurance prr_miums, if any; nnd(� any sums payable by Barrowcr to I.cnder, in nccordancc with
<br /> the provisions of puragraph 8,in lieu of the payment�f mortgagc insurincepremi�ms. These items nre callod "Escrow Items."
<br /> Lender may, at miy ttmc, collect nrul hald Funds in an amount no�t to exceed the maximum amou��t a lender for a fedcrnlly
<br /> rclatcd mortgage Ivum m�y re,quire for 6arrower's escrovr account under the feAeral Real Estate Seitlement Proc«lures Act of _
<br /> 1974 as nmended from time to time. 12 U.S.C. Section 2601 et seq. ("EtESPA'), unless another law that appltes to the Fun�1s
<br /> scts a Icsser nmount, If so, I.cndcr may. at any timc, collect and hold Funds in an amount not to excecd t9z�lesser nmaunt.
<br /> I.endcr may r,stlmatc the mr:ount nf Funds due on the basis of cur+•ent datu and reasonable estimates of expcndiwres of f.iaturc _
<br /> Escrow Items or otherwise in accordunce with applicable law.
<br /> The Funds shall be held in an institution whose deposits eue insured by u federal agency, instrumentality, or entihj __
<br /> (inclt►ding I.cnder,if Lender is such an institution)er in any Federal Home Loan Bank. Lender shull apply the Funds to pny tha
<br /> Escrow ltems. I..e:►der may i3ot charge Bonower for holding und applying thc�Lnds,annuully analyzing the escr��v nocount,or
<br /> verifying the Escrow Items, unless L.ei�d�:r pays Barcower interest on the Funds and applicu�le luw permits L,ensl�r to m;.•.;e�::}n
<br /> a charge. However, I.ender may require iiorrower to puy a one-time charge for nn independceu eeal estate tax repnrtin��rvice
<br /> used by L.^.nder in connection with this loan, unless applicaM.^.� 3aw provides othenvise. Untess an asreement is inade or _
<br /> nNNiii;u�jc=aw i8a'�ti:iw :u��:S.^.��`i,�.�5:�"P ci�nll nnt hr rt+nnired t[�D2N 8orrower any interest or e�rnings on the Punds.
<br /> Barrower and l.ender may agrce in writing, however, that in�erest shall �e paid on the Funds. Lender s!*.s:13,geve to Bonnwe�,
<br /> wethuut chnrge, �n nnnual accounting of the Funds, showing c�n:dits and debits to die Funds and tl►e pi�zpose for whicli ca�l�
<br /> debft to tho Funds wns made.The Funds arc pledged ns adaitiona]securiry for all sums secured by thfs S�urisy Instnimea�t.
<br /> If thu Funds held�y Lender exaeed the amounts permitted to be held by applicable law, ?l.ender sha11 account to Burmwer
<br /> for tbe excess Funds in lccordunce with the requiarments of applicable l�w.L•��ihe umount of the Funds�Z�ld by I.emicr at any .
<br /> timc is not sufficient ta pay thc Escrow Items when due.L.ender may so t�a�tif3+ 14arrower in writing,and,!n such cuse Bormwex
<br /> shuU puy to l..cndcr the amaunt nccces.sary to mal;c up the deficiency. Baarow�r shall make up the deficiency in no mare thnn ,
<br /> twelvc�nonthly payments,nt Lender's sole d'escretion.
<br /> Upon pay�nent In full of all sums securcd by ►his Secority Instrument, Lender shnll promptly refund to Borrower any
<br /> Funds held by Lender. If,under puragraph 21. Lender shall acquire or se91 thr Ptoperty,Lerider,prior ta tha acquisition or salo
<br /> of the Property. shsill apply any Funds held by Lendcr ut the time of acguisition or sale as a credit asainse 2i�e sums secured by
<br /> this Sccurity Instrumcnt.
<br /> 3.Apjtlicstion of Pnyments.Unless spplic��ble law prov%des otharwlse,ali payments rcceived by Lender ui►dcr paragmphs
<br /> 1 and 2 shall be applieci:first, to any pnPpayment eharges due anc�er ute Note;scxund,�o zrtioums puy+i�ic w���. pa,ubt�N:�;
<br /> tltird,to I!tterest dt!e;frnirth,t�principni due;and last,to uny late charges due under the Note. `
<br /> 4.Ctwrges; I.kns.Borrower shull pay all alrea,assessments, charga, fines and impositions attrtbu'�nbie to the Property
<br /> which n�ay attain prlority ovor this Security Insaumeni, and fensehold payments or ground rents, if a�iy,.Tionower shall pay .
<br /> these obligations in the mnnner provided in parasraph 2,or if e�ot paid in tlut manner, Bonowcr�hnll pay them on tirna�lixecTl:y
<br /> to the person awed payment. Borrower shall promptly fumBsh tc�I.ender all notices of amounls to be puid under ti�is�,nrag�uph.
<br /> If Borrower makes these payments directiy,Borrower shall p:amptly fumisli to Lender receipts evidencing the payments.
<br /> Borrower shall promptly discharge any lien which has pr3nrity over this Security Instrument unless Bors�wer:(a)�agrees in
<br /> � writing to the payment oC the obligation sccured[��'the lien En u mnnner accept�ble to Lender.(b)contests in good faith the lien
<br /> by, or defends Against enforcemesit of the lien in. legal proceedings which in the Lender's opininn operate to pfi.Vsnt the
<br /> enforcement oF the lien;or(c)secures from the holdor of the lien an ngrecment satisfactory to Lender sukaordinating the lien to
<br /> this Scxurity Tnstrument. If L,ender determines th�t Any part of the Propeny is eubjcct to u lien which may attain prnority ovec
<br /> this Security Instrument,Lender may give Barrower a notice identtfying the licn. Borrower shull satisfy the,lien or take one or
<br /> more of the a..tions sct forth above within l0 days oi the giving of notice.
<br /> , Form 3028 9l90
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