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<br /> � TiXl�l'fIGR:VtTt�Gll th2 I�itpi.n2�ik:nia►►uw ur��errafter crecteci on the}�rupe�Yy,�+nd s�ll ea.�emrnfc,ap�x►neiwncec, s�ixl
<br /> ! �xturc� n�iu• or lurcaftcr p part i�f �he property. All repleceerxnts arki �ckiitinnv shall alse� be rnverod by this Sccurity
<br /> IruUVnknt. All of the f.►ie���ia�;i+referreJ tu in this Sa:urity iastrumestit os thc"E'toperty."
<br /> �aon1Y�.°.CL�l��R�1RTS i!'«:t°.:.:.�u':: ��I;:tt:�ity sCi.:.�i af iik Csi«tC i�icb'y i��i�c���u.uw iwa i1i::�i�;id iu bi�u�i iuw
<br /> cv�+n•ey the t�rupcny a�xl Uut thc Pr.�erty is uneixunihenxl, exce�t for c�i:umbrances af nxarcl. &�rraw•er warr.uits uni w�ill
<br /> � dcfrud g:nc:alty the ti�le¢u th�P�o�xety�ainat �II rixinu suxl dcnuncic,subject c�any erxumh�ancec of recvml.
<br /> ; TNIS SECURITl' INSTRUI�IENT combitxs unifortn co�•enantc tor naliwul �u� wul uuu-unifurn�w���:n;uus uitb liiuitcd
<br /> 3 v;ui�tionc hy juriulictiun to coastitutc a unifomi sccuriry in�.trument m�•cring rea! pr�ny. -
<br /> i UNIFOttti1�VENANTS. Burrow•er;uuf I.enJer covenan�and agrce as fallaws:
<br /> � 1. L'�ay�neot of Pt�Inctpal �nd Intcrest; Prcp�ymcut w�d I.ate Cbar�es. &�rrou•cr �f�all promptly pay when dw: the -
<br /> ; ptincipal of and interest��n the dcbt e�•idenc�ai by the Not�and any pmpaym:,nt unJ latc rhar�es due un�r the Note.
<br /> � 2. Fu�Wc for Tsiaces w�d Iar�tustuce. Subject to applicable law ar to a wricten waiver by Lender, Borrower chall pay to
<br /> � l�et►der un the day monthly payraents are due unctec the Note.until the Note is paid in fu�ll,a sunti("Funds")for:(a)yearly taxes
<br /> _ and asse,esnxras which may attain priariry over this Security Instra��ent as a lien on the Froperty; (b)yearly le�cchold paymcnts
<br /> or ground rcnts on the Property,if any;(c)yearly Imzard or property insurnnce premiurtu;(d1 yearly fload insursnce premiums,
<br />_ if any; (e)yeuly �uortgage insur,u►ce premiums, if any; and(�any sunu payable by Borrower to Lender, in xcord:uice with
<br />= the provisionr oi paragraph 8. in licu of the payment of mangage insurance premiums. These items are callal"Escrow Iten�,s."
<br />' L.ender may. at any time, coUect �nd hold Funds in an anwunt not to exceed the m:►ximum amount a lender for a federally
<br />_ related mortgage loan may require for Borrau•er's escrow�ccount under the fcder�l Real Estate Settlement Froccxlures Act of
<br />" 1974�,c an�etKled from time to time, 12 U.S.C. Section 2601 er seq. ("RE5PA"), unless another law that applies to the Funds
<br /> sets a lesser amount. Qf so, L.ender may, �t any time, collect;u�d hold Funds in an amount ru�t to exceed the leuer amount.
<br /> Lender may estimate the�mount of Funds dtte on the basis of curretu dua and reawnable estimates of expen�itures of future
<br />- Fscrow Items or otherwise in aocordance with applicable law.
<br /> The Funds shall be held in an inctitution whose dc;posits are iruurod by a federal agency, instrumentaliry. ar eotity
<br />_ (ineluding i.ender,�f Lxnder is wch an inctitution)ar in any Federal Home I.cun Bank. Lender sha11 apply the Fundc to puy the
<br /> Escrow I:ertu. l.ender may not charge Bonower for holding and applying th�Funds,�nnually analyzing the escrow account,or
<br /> verifying the Escrow Items,unless I.ender pays Borrower interest on the Funds u�d applicable law pernuts Lender to make such
<br /> a charge. However.L.ender may require BorroK�er to pay a onc-time charge for an independent real estate tax reporting service
<br /> used ty i.ender in coiu�ection with this lo�n, udess applicable law provides otherwise. Unless an agreemettt is made or
<br /> applicable law requires interest to be paid, LecKiec shall noi be required to pay Bonow�er any interest or eamings on the Funds.
<br /> Borrower�nd i.cndtr may agree in writing, tx�wever, that interest sha14 be gsid on the Funds. Lender shall give to Borrower.
<br /> without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.The Funds are pledged as additional security for�ll sums secured by this Security Irutrument.
<br /> If the Funds h;,td by l.ender exceed the amounts permittc�l to be held by applicable law,l.ender sf►all account to Borrower
<br /> for the excess Funds in accordance with the mqniremenis of applicable law-. tFthe anwant of the Funds held by Ixnder at ar.y
<br /> time is nat sufficient tu pay the Escrow Items when due. Lertder may so twtiE}•Barrower in writing.and, in such case Borrowu
<br /> shall pay to Lender the amount nooessary to make up the deficiency. SorcoWer shall�r�al•e up the deficieacy ia no more th�a
<br /> twelve awnthly payments,at I.ender's sole discretion.
<br /> upoa payment in tull of yl sumc secured� by thic Security InswmenE, Lender shal! ptomptly refunsi to Borsower�ny
<br /> Fw�ds held by Lender. If,under paragraph 21,E�eader shall acquire or sell tP�e Property, Lender,prior to the acquisition or sale
<br /> of the Property,shall apply any Funds held by�[_e;�der at the time of arquisition or sale as a credit against the sums secured by
<br /> this Security lnstrument.
<br /> 3.Applkatba ot Ps�ymeats.Unless applica�le law provides otherwise, all payments received by Lender under paragraphs
<br /> 1 and 2 st�ll be apglied: first, to anY P��Y��'�charges due under the Notr;second, to amounts p�yablc under paragra}�h 2;
<br /> t}w+d,to inkrest due;fourth,to principal due;and lut,to any tate charges cf�e under the Note.
<br /> 4.Clwrges;I,ieas. Borrower shall pay all taxes. assessmenLc.chargts. fit�es and impositions attriSutable to the Property
<br /> whirh may attain priority over this Security Instrument. and le�sehold p�yments or ground rents, if any. Bomower stsall pay
<br /> these obligations in the marutier pro�idad in paragraph 2.or if not paid in chat manner,Borrowu sha!{pay thtm on time directiy
<br /> to the person owed payment.Borrower sl�all promptly furnish to Lender ali caotioes of anaunts to be paid under this paragraph.
<br /> If Born�wu makes these payments di?�U;.Borrr•wer sha!!prompily�sr:iish so I�.r�er rereipis ecirlenring�.c pay�^.�s;s. -
<br /> 6orrower shall promptly discharge any lien which has priority over this Security Instrunxni unless Borrower: (a1 agtees in —
<br /> writiag to the payment of the obligation secured by the lien in a rttanner aaeptabte to l.ender;(b)contests in good faith the lien •
<br /> by, ar defends against enforcement of thc lien in, legal proceedings which in the Lender's opinion operate to preveni the
<br /> enforcement of the lien; or(c) secures from the holder of the lien an agreecc�ent satisfactory tn Lender wbordinating the lien to
<br /> this Security instrnment. !f Lender detemtines ti�t any part of the Property is subject to a lien whieh may attain priority over
<br /> this Security Iruirument. Lender may give Borrower a notioe identifying tt�e lien. Borrower shall satisfy the Gen or take one or
<br /> more of the actions set forth abo�e within 10 days of the giving of notice. '
<br /> Form 3028 9l90
<br /> Pap�2 of 6
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