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<br /> TpG�TFiP.R WITH ull tfao improven►entfi naw or hereafter eratod on the properiy. and all casements,appuaenances,end
<br /> fixtures naw ar I�oreaRar n part uf thc prapcny. All rcplacements and add.itlo�R�all AIEQ be covercd by this Secudty
<br /> Instrument.All of the tnrcgoing is rcierrcd to in thjs 5ecurity Instrument as thc"Pro rt
<br /> BqRRQVlGR COVBNANTS thut Bnnowcr Is luwfully scised of the estate hcreby conveyed and hus the right to grant and �
<br /> convsy the Arnpecty and thet the Proporty is unencumbered,except for encumbtznas of rec:onl. Horrawer w:urarus and will
<br /> defend genernlly the tltla to the Propeny agalnst all clalms and demands,subject to any encumbrances of recard.
<br /> THIS SECURITY IN9T�2UMENT cambines ut►iform covenants far nattonnl use and non•unlfarm covenants with limlted
<br /> vurlations b�judsdiatlon to aanstttute a untform securi[y instmm�nt covedng real property.
<br /> UNIFORM COVB1r1ANTS,Barrower and I.ender covenant and agree as foUows: when due thc
<br /> 1. Peyment of PrSncips�l wnd Uiterest; Peepayment and Late ChArges. Borroaer shall promptly pay
<br /> principal of and interost an the debt evidenced by the Note and any prspayment and late charges due under tha Note.
<br /> 2. Funds tor Taxcs and Insurance- Subject to applicable law or to a wrttten waiver by Lender, Borrower shall pay to
<br /> Lender on the day monthly payments are due under the Note,until the Note is paid'sn full,a sum("Funds")for: (a)ye�uly inaes
<br /> and assess�t�nts which m�►y att�in priority over this Security Instrument as a lien on the Property; (b)yearly leasehold paymenta
<br /> or groun�l rents on the�'roperty,if any;(c)yearly hazard or property insurance premiums;(d)yearly flood insurance premiams.
<br /> if any:(e)yeatlY rr►ortgu�e ir�surance premiums, if any;and(� anY sums payable by Bon�ower ta Lender,in accordanco wich
<br /> the provisians of paragraph B.m Eieu af thc payr.zant of mortgage incumnc:e premiums. These items arc called "Escrow Items."
<br /> Lender may. at any time,collect und hold F�unds in an sunount not ta exceed the mnximum amount a lender for a federally
<br /> nlated mortgage loan muy require for Ronower's escrow account under the federal Reul Estate Settlement Procedura Act of
<br /> 1974 as amended fcom time Yo time, l2 U.S.C.Section 2601 et seq. ('RESPA").unless another law that applies to the Funds
<br /> sets a lesser amount.If so, Lender may, at any time. collat and hold Funds in an amount not to exceed the lesser emount.
<br /> Lender may estimate the amount of Funds due on the basls of curcent dnta und reasonable estimatcs of expenditures of future
<br /> Escrow Items or otherwise In accordancc with applicable law.
<br /> The Fund.r• shall be held in an institution whosc deposits nre Insured by a fcdcral agency, instrumentality, or entity
<br /> (including i..eixlcr. if Lcnder ie such an Instiwtion)or in any Foderal'HnmiMe�Fundsnannualy cinalY ing1t e erow acc u�t,tor
<br /> Escrow Itemc.l.ender may not charge Borrawer far halding and upp y B � p�rmits Lender to make Fuch
<br /> verffying thc Eutnw Ucros,unlcss L.ender pay�Bor^owAr����sne-dme tchsrR nforsan indcpendentare;al estate tax rcporting servicc
<br /> a chArge.i-iowever.t.c��ie�:.�+Y r".,�u3rt FASra.._r� �-Y --
<br /> ; used by Lender in cannation with this loan, unlesa applicable law provtdes otherwise• Unless an agreement is made or
<br /> � applicable law requires intere:st to be paid,I.ender shall not bc nqnired ta PuY Bonower any interest or eiunings on the Funds.
<br /> � Borcower and I.endcr may�gYe in writing, howevcr.that interest shall bc puld on the Funds. Lender shall give to Borrower,
<br /> a wlthout charge, an annual accounting of the Punds. showing cadits and debits ta the Funds and the purpou for which each
<br /> � debit to the Funds was made•7't►e Punds are plWgal as udditional security for all sums secured by this Socurtty Instrument.
<br /> .�t If the Funds held by Ixnder excee� the amounts permitted to be held by applicable law,I.ender shall account to Borrower
<br /> � for the excess Funds tn acc.o�dana with the requirements of applicable law. If the amount of the Funds held by L.ender at any
<br /> 4 tlme is not sufCcient to pay the Escrow Items when due,L.ender may so nottfy Borrower in wdting,and.in such case Borrower
<br /> ' shall pay to Lcnder the amount mcessary to make up the deficiency.Borrower shall make up tha deficiency in na mon than
<br /> i twelve monthly payments,at Lender's sole discretion.
<br /> � ppon payment in full of all sun�s secured by this Securiry Instcument, Lender shall promptly refund to Borrower anY
<br /> of the Property shall apply any Funds held by Lendcr t�the t9me of ecqnis tion�or sale ais a credt against�theu ms se uorod by
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<br /> ; . this Security In�trument.
<br /> � 3.Appitadion of 1'�y�nents�Unless applicable law provides otherwise, �Il payments recelved by L,endcr under parugrap s
<br /> s 1 and 2 sfiall be appliod:tirst.to any prepuyment charges due under the Note;second,to amounts payable under pazagreph 2;
<br /> � thirct,to interest due;fourth.to principal due;and last,to any lute charges due under the Note.
<br /> - 4,Charges; Liens.Sarrower shall pay all tnxes,sssessrnents.charges.fines and impositions attrlbutable to the 1Property
<br /> � which may atcnin pdoriry over this Security Inst�ument. and lcasehold payments or ground rents, if any. Borrower shall pay
<br /> ! these obiigations in the manner provided in paragraph 2. ar if not paid in thut manner.Bonower shall pay them on time dlrectly
<br /> � to the person owed payment.Borrower shall prompdy furnish to Lender all nottces of amounts to be paid under this paragruph.
<br /> j If gorrower makes these payments direcily,Borrower shall promptly turnish to Lender receipts evidencing the payments.
<br /> � Borrower shall promptly discharge any lten which has priority over this 5ecurlty Instrument unless Bonower:(a)agrees in
<br /> � writing co the payn�ent of ti�e obiigation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the lien
<br /> + by, or defends against cnforcement of the Ilen in. legal proceedings which in the Lender's opinion operate to prev�nt the
<br /> � enforcement of the lien;or (c)secures from the holder of the lien an ugreement satisfactory to Lender subordinating the lien to
<br /> this Security instrwnc:nt.If Lender determines that any pan of the Froperry is subject to a lien which may attain priority ovcr
<br /> - this Security Instrument,L.ender may give Borrawer a not(ce idcntifying the lien.Bonower sh�ll satisfy the licn or take one or
<br /> - more of the uctinns set fortr above within 10 days of the giving of naice.
<br /> Form 3028 9190
<br /> Pap�2 of 0
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