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<br /> ' . :�1� 'I'pCll:'fNF?R WI'1'H idl thc impruvcmcnts no�v on c�reuftcr crcctcd on thc propeny,nnd ull ci�scments, uppurtcnunccs, and
<br /> fixtures n�iw un c�rcuRcr ii pnrt of tlic property. All replacenunts u�id additions shnU also be covcrcd hy this Sec:urity
<br /> `�;'t' � .�• • ►nstnimcnt. All of thc forc�{oing is retcrresl to in this Sccudty Instrumcnt us ihc "Pr�pcity." ,
<br /> F�nFtRf►WI?R COVENANTS�hai Barrowcr is I�wfully sciscd of the c5tatc hcrcby convcycd aad hns thc right to grant nnd
<br />•` "�:';.�.;� cc►nvey the Property imd that the Property is unencumberecl,exeept 6sr encwnbrancc:s of record. Hnrro+uer wnrrants nnd will
<br /> , defend generally du tide to the Propc:rty u�ainst lill cluims und dernands, subjcct to any encumbrunces of record.
<br /> .,� ' THIS SEGURITY INSTRUMENT combines uniform covenants for nationul usc und nan-uniforni covenants�vith limited
<br /> '"'�=''"` ' vuriiuionti by jurisdiction to constitute a uniform security instrument covering rcnl property.
<br /> �� UNIFORM COVENANTS.Borrower nnd Lend�r covenant und agrec as f�llows:
<br />_ -` �� 1. Pnyment of Principal nnd Interest; Prepnymcut und Lute Charges. Horrower shnll promptly pay when due thc
<br />�� �•� _�' +� principal of and interest on the debt evidenced by the Nute und any prepuyment and late charges due under the Note,
<br /> � 2. Funds far Taxes und Insurunce. Subject to applicable law or to a written waiver by L.ender, Bonower shall pay to
<br /> ��', Lendcr on the day monthly paymcnts arc due undcr thc Note,until the Note is paid in full, a sum("Funds")for:(a)yearly taxes
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<br /> ��:;•�iru:•.,�. ' and assessments which may attain priority over this Security lnstrument as a lien on the Property;(b)yearly l��sehold payments
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<br /> _.';..�..� or ground rents on thc Property,if uny;(c)yearly hnzard or property insurance premiums; (d)yearly flood insumnce prem�ums,
<br /> - -��'"�� if any; (e)yeurly mortgage insurnnee premiums, if any;and(� any sums payable by Bonowcr to I.,ender, i�accordance with
<br /> .'f ST.6Z�\��
<br /> �.,;7-� the provisiu��s of para�rnph 3, in licu of thc payment of mortgage insurance premiums.These items are called'Escrow Items." _
<br />'�y-=�LL-- Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount u Iender for a federally
<br />�.'�' � relatecl mortgage loan may require for Borrower's escrow account under the federal Reul EstAte Settlement Procedures Act of
<br />-,��°' 1974 as amended from time to time, 12 U.S.C. Section 2601 ct sey. ("RESPA"), unless anothcr law thAt applies to the Funds
<br /> _-��• sets u Icsser amount. If so, Lender may, at uny time. collect and hold Funds in an amount not to exceed the Iesser omount.
<br />__:,,�,;;?� � Lender may estimate the umount of Funds due on the buis of current data and reasonable cstimates of expenditures of future
<br /> :�;� Escrow Items or othenvise in accordance with applicuble law.
<br /> The Funds sl�all be held in an institution whose de�osits nre incured by a federal agency, instn►mentality. or entity
<br />-_�� (including L.ender, if Lender is such An instimtion)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the .
<br /> -_��_�� Escrow Items. Lender may not charge Borrower for holdins und applying the Funds, annually analyzing the escrow account,or
<br /> _-=�,:.��� verifying the Bscrow Items,unless Lender pays Borrower interest an the Funds and applicable law permits Lender to rnake such
<br /> -_=����:a a�h�=b�, ;;Y;;.�;�r� r,�,;;��.;����ti�;r��nrjn4ynr r��,a;a �nP_time charee for an indenendent real estate tax reporting service
<br /> -_ �a�= used by L.ender in connection with this loan, unless applicuble law provides otherwise. Unless an agreement is made or
<br /> __ -__�� applicab(c law reyuires interest to be paid, Lender shall not be required to pay Borrower uny interest or earnings on the Funds.
<br /> -- ---= Bonower nnd l.ender may ngrec in wiitin�, hawever, that interest shall be paid on the Funds. I.ender shall give to Horrower,
<br /> ��=��;,� without chnrge, an annual accounting of the Funds, sho�ving credits and debits to the Funds and the purpose for which euch
<br /> --- debit to the Funds wus made. The Ft►nds are pledged as additional security for a�l sums secured by this Security lnstrument.
<br /> ----- If the Funds held by I.ender exceed the amounts permitted to be held by :►pplicabla law, L.ender shall account to Horrower
<br /> far the excess Funds in accordance with the requirements of applicable law. lf the cunount of the Funds held by Lender at any
<br /> time is not sufficient to pny the Escrow Items when due,Lender may so notify Borrower in writing,and,in such case Borrower
<br /> - — sh�ll pay to I.ender the amount necessary to make up the deficiency. Bonower shalt make up the deficiency in no more than
<br /> _—_ twelve monthly payments,at Lender's sole discretion.
<br /> Upon payment in full of all sums securcd by this Security Instrument. Lender shall promptly ref�nd to Borro+ver any
<br /> Funds held by Lender.If,under paragraph 21, Lender shall ncquere or sell the Property,l.ender,prior to the acquisition or sale
<br /> of the Property,shall apply any Funds held by Lender at the tfine of acquisition or sale as a credit against the sums secured by
<br /> this Security Instrument.
<br /> 3.Applicatton of Payments. Unless Applicuble la�v prQVides otherwise,all paymcnts►�eceived by Lender under pangraphs
<br /> 1 and 2 shall be applied: flrst, to any prepayment charges due under the Nate; second,to amounts payable under paragraph 2;
<br /> third,to interest due;fourth, to principal due;lnd last. to any late charges due under the Note.
<br /> 4. Charges; Litns. Horrower shall pay all taxes, assessments, charges, fines and impositions attributablc to the Property
<br /> which may attain priority over this Security Instrument,and leasehold payments or ground rents, if any. 1Borrawer sh�ll pay
<br /> thcse obligations in the manner provided in paragraph 2,or if not paid in.thai mamier,Borrower shall pay them on time directly
<br /> to the person owed payment. Borrower ahall prompdy fumish to I.endcr all notices nf nmounts to be paid undcr this purngettph.
<br /> - - If Borrower mukes these payments dlrectly,Bor�nwer shull promptly furnish ta I.ender receipts cvidencing the payments.
<br /> Bonower shall promptly dischar�e nny lien�vhich hes prioriry over this Security Instntment ur►less Borrower:(a)agrees in
<br /> writing to the payment of the ublig�tion secured by the lien in a manner acceptuble to Lender; (b)contests in good faith the lien
<br /> --_- a by, or defends against enfarcement of the lien in, legal proceedin�s which in the Lcnder's opinion operate to prevent dte
<br /> _.��_�� enforcement of the lien; or(c)secures from the holder of the lien an agreement satisfactory to I.ender subordinating the lien to
<br /> ___=_�� this Security Instrument. If Lender determines that uny part of the Propetty is subject to a lien which may uttain priority over
<br /> ----� -- - this Security instrument, Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or
<br /> ° '��'= mom of the actions set forth above within 10 days of the givin�of notice.
<br /> --�'=;�,,� Form 3028 9/90
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