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<br /> TOUETHkR WITH s►U the imprmen�ents now ar'��ealr�cements�c t�J`udd tint�itirtYhull��nitiaehe r���re i�byrt�his1kSecurity
<br /> fixtures ix�w or hereafter u psi� of thc prapecty. A p
<br /> Inytrument. All of'thc forcgoing is refcned to in this Security Instrunxnt u+thc"Propeny."
<br /> BORRUW�R CQV�NANTS ti�at Burrrnti�cr ls la�vfully�eise�l nf the etiUtic licrcby«mvcye�anJ hu+ tlic right U� brunt und ^
<br /> canvey the Property und that tho Prop�;rty is unencumt+ered, rxcept fnr encumbr.inces of remrd. Hurrower wurrants ancf wiil
<br /> dcfcnd gencrally thc titic to the Pmpeny aguinst ull cluims und demands.,ubjcct to uny cncumbrunces of record.
<br /> THfS SECt1RITY INSTRUMENT combines unifunn a�venants for nutional uxe:uid nun-unifarm covenants with limitcd
<br /> variatiuns by juri�iiction to constitute u unifom�sccurity lnstrument rnvcring mal prapeny.
<br /> UNIFOItM CQVENANTS.Bottawer und Lcndcr�cenfnQn�u'�1er�ha f�°�r�WCr shull promp[ly pz+y when duc thc
<br /> 1. Pxymrnt of Principnl and Intcrcsti Pr�pAY �
<br /> principal of aixi inte�est on the debt evidenced by the Note und uriy prcpayment anJ late charges due uixle�•the Notc.
<br /> 2, Ebnds for Twxes and Insurwnce• Subject to applicablc law or ta a wrltten waiver by l.cnder, Borr�wer shall Pay to
<br /> Lender on the day monthly payments are due under thc Note, until thc Note is paid in full,a sum t"Funda")for: (a)ycarly texes
<br /> and ussessments which may attain priority over this Security Inetrument as a lien on the Property:(b)ycarly leasehald payments
<br /> or graund rents on the Property,if any;(c)yearly hazard or pn�perty insurance premiums:(d)yearly fload insurance premlums.
<br /> if any: (c)yearly mortgage insurance premiums, if any:und (fl any�ums payable by F3orrower ta Lender,in accordance with
<br /> the provisions of paragraph 8. in lieu ot'the payment of mortguge i�►su��ance pr�miums.These items are callr.d "F.scrc�w Ieems."
<br /> L.ender may. at any time. rnllect and hold Funds in an umount not to excced the maximum amount a lender for a federally
<br /> related nwrtgoge loan may require for Borrower's esci�ow accaunt under the federal Rcal Estate Settlement Procedures Act of
<br /> 1974 as atnended from timc to time, l2 U.S.C. Seccion 2601 el seq. ("RESPA").unless another law that applics to t�c Funds
<br /> sets a lesser amount. If so, Lender may,at any time. collect and hold Funds in un amount not to exce,ed the lesser amount.
<br /> l.ender may estimate the amount af Funds duc on thc basis of current dnta and reasonable estimates of expenditures of future
<br /> �scrow Items or otherwise in accordance with applicable law.
<br /> The Funds shall be held i�� an institutton whose deposits are insured by a fcderal agency. instrumentality.or entity
<br /> (including Lender,if I,ender is such an institution)or in any Federni Home Loan Bank.Lender shali apply the Funds to pay the
<br /> Escrow Items.f�.ender may not charge Barrower for hol�ing and applying the Funds, annually analyzing the escrow account,or
<br /> verifying tbe Escrow Items,unless Lender pays Bonower interesi on the Funds und applicable law permits Lender to make such
<br /> a charge.However,Lencler muy require$orrower iu pay u o�K-23�rl�arg�ivr sn!rx!_�n�en*_ren!��s�te tez reQorting service
<br /> used by Lender in wnnection with this loan, unless applicablc law provides othenvise. Unless w► agreement is nwde or
<br /> applicuble law requires interest to be paid, Lender shall not be required to pay Borrower any interest or eamings on the Funds.
<br /> Borrower and Lender may agree in writing,howcver, that interest shall be puid 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 whtch each
<br /> debit to the Funds was ms�de.The Funds are plecl8ed as additiunal securiry for all sums secured by this Security Insuument.
<br /> If the Funds held by Lender exceed the amounts permitted to bc held by applicabie la�v, L.ender shall account to Borrower
<br /> for the excess Funds ln accordanre with the requiremPnts of nppltcabte law. If the amount of the Funds held by Lender et any
<br /> � time is not sufticient to pay the Escrow Items when due.L.ender may so notify Borrower in writing.and. in such case Borrowet
<br /> 1 shall pay to Ler+der the amount necessary to make up the deficiency. Borrower shall make up the deficiency tn no mon than
<br /> ' twelve monthly payments,at I,ender's sole discretion.
<br /> - Upon payrnent in full of all sums s�xurcd by this Security Instrument. Lender shall promptly refund to Borrower any
<br /> Funds held by I.ender.If.under paragraph 21, Lender shall acquire or sell the Property,[.ender,prior to the acquisition or sale
<br /> of th�Property, shali apply ar�y Funds held by L.ender at the time of ncquisition or sale as a credit against the sumc secural by
<br /> . . this Security Instr�ment.
<br /> �,ppp�tion ut payments.Unless applicable law provides othenvise,all payments received by L.ender uncler paragraphs
<br /> 1 and 2 shall be applied: first,to any prepayment charges due under the Note: second,to ammounu payable under paregraph 2;
<br /> ttird,to interest due;fourth.to principal due::md last,to any late charges due under the Note.
<br /> 4.Cl�arges;Liens.Borrower shall pay all taxes,assessments, charges,fines and impositions attributable to the Property
<br /> which may attain priorlty over this Securiry Instrument, and leasehold payments or gruund rents. if any. Borrower shall pay
<br /> these obligations in the manner provided in paragraph 2,or if not paid in that manner,Borrower shall pay them on time directly
<br /> to the person owed payment.Bonuwcr shall promptly fumish to Lendcr sill notices of amounts to be paid under this paragraph.
<br /> I�'Borrower makes these paymf:nts dtrectly.Borrower shall promptly furnish to Leixier receipts cvidencing the payments.
<br /> Bonower shall promptly discharge any lien which has prioriry over this Security Instn�ment unless Borcower: (a)agrees in
<br /> writiRg to the payment of the obligation secured by the lien in a munner acceptable to Lender; {b)contests in good faith the lien
<br /> by. or defends against enforcement of the licn in, legal proceedings which in the Lender's opinion operate to prevent tl�e
<br /> e�►forcement oF the lien;or(c)secums from the holder of the lien an agreement satisfactory to Lender subordinating the lien to
<br /> � El�is Securiry Instniment. If Lender determines that uny purt of the Property is subject to a lien which may attain priority over
<br /> this Security Instn►ment.I.ender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or teke one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Form 3028 9190
<br /> P�pe 2 016
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