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<br /> TOOBTHBR WITH all the improvemcnts now or hereafter erected on the prapeny, and all easements,appartenances, �uid
<br /> fixwres now or hereafter i� purt of the property. All replacements and additiuns shull xlso be covered by this Securiry
<br /> Intitrumcnt. All oi'tho futegoing is refen�ed to in this Security instrument as tha"Properry."
<br /> BORRUWF.R COVENANTS that Dorruwer is luwfully scised of the cstntc hcreby convcyed und hns thc right to grant und
<br /> comey tl�e pmpe�ty cind thut tl►e Propeny is unencumbered, except f�r encumbrances uf record. ��rrower wnrrants und will
<br /> defend generally the tide to tlie PrnJx�rty a�ninst idl cluims nnd Jemands,subject to uny encumbrnnces of record. c
<br /> THIS SGCURITY INSTRUMENT combincs unifi�rm cavcnants far nationul usc und iwn-uniform covcnanth with limitcd
<br /> vurfations by juric�ilctiun to ronstitutc u uniform sccurity instrumenc crncring rcnl property.
<br /> UNIFaRM C�Vf;NANT5. Li�rmwcr und Lcndcr covcnunt iuid ugrcc iis fc�llowti:
<br /> 1. 1'Nyment nf 1'rincl{wl wnd Interestt PrepaYrnent �nd I,wtr ChArK�w. f3orrowcr shall pmmpUy pay when duc �hc
<br /> princlpid nt'iux�interc+t�m thc dcht rvidenccd Uy thc N�itc t�nd any prcpaymcnt mid lutc cliurgcs due undc�•Ihc NWc.
<br /> 2. Fundy f�►r'1'x�ry xnd In�urw��ce. Suhject tu uppUcuhlc Inw or tn u wriucn wuivcr by Ixiidcr, Ik�rrowcr shull puy In
<br /> l.c�xlcr on�lic duy nH►n11dy �+�rymcnty arc duc uixlcr thc Notc. until thc Ni�tc is puld in 1'all,u sum("Pundx")1'or:(n)ycurly taxcs
<br /> u�xl u�sc,snkotti which muy aiurdn prlurity uvcr thls Sccu�i�y Instru��xnt nti u licn on thc Pro}xrty;(hl yr.�rly Icaschald payments
<br /> nt•grnuikl rcnlr u��Ihc 1'ro�xxty. if'i�ny:(c)ycarly hircurd ur pru4x:rty insur�uicc prcmiumti;(dl yc+irly flcxxl insuroncc premiums,
<br /> fi'uny; lel ycarly n�urltiuge imurance premiums. if uny: �uid (� uny sums piiyuble by Hormwer t� t.ender, in accorclunee with
<br /> thc pravlsfuns al'parugruph H, in licu��f ihc paymcnt��f nu►rtgugc Insuruncc prcmiums, Thc+c items are cnllcd "E�:row Itcros,"
<br /> Leixler nwy, nt oay timc, collcct uiid hold Fundti in an amount nrn tn cxcccd the mnximum um�unt a londer for n federully
<br /> relatcd monsage loan muy rcyuire fur Bor�owar's escrciw account un�ier thc fedcral Re�l F?a:ite Se:tdument Procedures Act of _
<br /> 1974 us umc�xlc�1 froui time to tin�c, 12 U.S.C. Scction 26AI et .r•eq. ("RESPA"),unlcss nnother law thut applies to the Fu��ds
<br /> tiets n Icsser unu�unt. if so, l.ender muy, at any time, collect und hold Funds ln an amount not to exceed the lesser amount.
<br /> [..ender nwy estimute the umount of Funds due on the basis af currcnt data und reasanablc estimates of expeixiiwres of ftuure
<br /> Escrow Items or othe►wise in accordance with applicuble Inw.
<br /> Thc Funds shall bc hcld in an ins[itution whose dcposits arc insurcd by u federal agency. instrumentality, ar cntity
<br /> (including l.encler,if l.ender is such un institution)or in any Federal Home Loun Bank.Lender shall apply the Funds to pay the
<br /> Escmw Items. Lender may not charge Borrower for hotding and applying the Funds, unnually unulyzing the escrow account,or
<br /> verifying the Escrow Items,unless[.ender pays Ftorrower intercst on the Funds and upplicable law permits Lender to muke such
<br /> a charge.However, [.ender may require Borrower to pay a one•tinx charge for an independent real estate tax reporting service
<br />- used by I.ender in connection with this lo1n, unless applicable Inw provides otherwise. Unless nn agreement is rnade or
<br /> appiiraoic luw icyuiic5 iidcicsi .:,b:.Fa;u, i.;r.�er sliw�! r.ei�r�eir?�!rn nay Rorrower any intcrest or carnin�s on the Funds.
<br /> Borrower and Lcndcr may agrce in writing, however,that interest shall be puid on tt►e Fands. I.ender shall give to Borrowcr,
<br /> without charga, an annual accounting of the Funds. showing credits and debits to the Funds and the purpose for which cach
<br /> debit to the Funds was made.The Funds are plcdged as additional security for all sums secured by this Security Instnimcnt.
<br /> If tho Funds held by L.ender exceed thc lmoanu permitted to be held by applicable law, Lender shall nccount to Borrower
<br /> • for the excess Funds in accordance with the requirements of applicable Isw. If the amount of the Funds held by Lender at any
<br /> timc is not sufficient to pay the Escrow Items when duc,Lender may so notify Borrower in writing.and.in such case Bonower
<br /> shall pay to Lender the amount necessary to mxke up the deficiency. Horrower shall make up the deficiency in no more than
<br /> i twelve monthly payments,at Lender's sole discretion.
<br /> Upon paymcnt in full of all sums secured by this Security [nstrument, Lender shall promptly rcfund to Borrower any
<br /> - Funds held by Lender. If,under paragraph 21,Lcnder shall acquire or sell the Property,I.ender,prior to the acquisitton or sale
<br /> ' of the Property. shall apply any Funds held by Lender ut tlie time of acquisition or sale as a creclit ngainst the sums securai b3�
<br /> thls Security Instn�ment.
<br /> 3.Appllcatlan of Yayments.Unless mppllcable law pravides otherwise,all payments reccived by Lender under paragraphs
<br /> • 1 and 2 shall be npplied: first, to any prepflyment charges due under the Note; second,to amounts pnyable under paragraph 2;
<br /> � third, to intcrest due; fourth,to principal due;and last,to any late charges due under the Note.
<br /> 4.ChArges;Liens. Borrower shull pay all tuxes, assessmcnts, charges, fines and impositions attributuble to the Property
<br /> whict� may attain priority ovcr this Scc;urity Instmment,;uid leasehold payments or ground rents, if any. Borrower shall pay
<br /> • thcse obligations in the manner�rovided in paragraph 2,or if not pa►d in that mnnner,Borrower shall pay thcm on time dirutly
<br /> �' to the person owed payment.Borrowcr shall promptly fumish to Lender all notices of amounts to be paid under this paragraph.
<br /> If Borrower makes thesc paymcnts directly,Ho�rower shall promptly furnish to Lender reccipts evidencing the payments.
<br /> � Borrower shall promptly dischargc any lien which has priority over this Sccurity Instrunient unless Rorrowcr: (a)agtees in
<br /> writing to the payment of the obligation secured by the lien in u munner ucceptable to Lender; (b)contests in good faith the lien
<br /> �' by,or defends against enforcement of the lien in, lesal proccedings which in thc Lcnder's opinion operate to prevent the
<br /> � cnforcement of thc lien;or(c) secures from the holder of the lien un agreement satisfactory to Lender subordinating the Iien to
<br /> � this Securiry Instrument, If Lender detennines that any parc of the Property is subject to a lien which may attaiii priority over
<br /> this Security instrument, Lendar may give Borrower a noticc idcntifying the lien. Borrowcr shall satisfy the licn or take one or
<br /> �nore of the actions set forth nbove within 10 days of the giving of noticc.
<br /> Form 3028 9190
<br /> Pep�2 ot 8
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