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<br /> ;� TOGETHER WITH ull chc improvcmentc now on c�reaftcr crected an the property, unJ ull raument�,appurtcn:�nreti.and =
<br /> � fixwreti imw or here:►fter a purt of the praperty. All replacements and udditions ,hull al��� be c��vcred by thiti Security =
<br /> � , ,(� Instrument. All af thc foregoing is referrcd to in this Sccuriry Instrumcnt ati thc"Prnperty." —
<br /> � BORROW�R COVENANTS thut Sorruwer is luwfutly seisec!uf ehe estute hcrcby rnnveycd anci huti the right to grunt and
<br /> � �omey the Property and thut the Propeny iti unencumbered, except for encumbranceti c,f recurd. Bc�rrower wurrantti xnd will _
<br />" �S�t'' Y�'..�1 r.
<br /> ,, defend benerully che title to the Property ugainst all claims and demunds,subject to uny encumhrunces ot rrrurJ.
<br /> �� THIS SECURITY INSTRUM�NT combines uniform covenants f'or nationul use and non-uniform cc�venunts with limited
<br />""'""°- ,; vurintions by jurisdictian to constitute a uniform security instrument covering reul propeny. _
<br />° ,�. UNIFORM CAVENANTS.Borrower and Lender covenant and agrec as fallows: _
<br /> � i 1. Payment oP Principal und Interest; Prepuyment und Late Charges. Borrower shull promptly puy when due thc
<br /> ' principul of snd interest on the debt evidenced by the Note and uny prepayment and late churges duc under the Notc.
<br /> , ; Z. Funds Por Taxes and Insuntnce. Subject to applicable law or to a written wuiver by Lcndcr, Barrowcr shull pay to
<br /> - ' � Lender on the day monthly paymeuts are due under the Note,until the Note is paid in fult,a sum("Funds")for:(a)yeurly taxes
<br />- and assessments which muy attain priority over this Security Instrument as a lien on the Propeny; (b) ycarly lesisehald payments _
<br />.,- . � or ground rents un the Property,if any; (c)yearly huzard or property insurance premiums;(d)yeurly flood insurnnce premiums,
<br /> • �':'�• .p:. if any: (e)yearly mort�age insumnce premiums, if any; und (fl uny sums payable by Bonower to Lender, in accordance with
<br /> ,�"'_�� ,�' the provisions of paragrnph 8. in lieu of the puyment of mart�age insurance premiums.These items are caUed "6scrow Items."
<br /> L.ender may, at any time, collect and hold Funds in an amount not to exceed the maximum arnnunt a lender for a federally
<br />;-�,,..'`�.• � related mortgage loan may require for Barrower'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 et.req. ("RESPA"),unless a��other law that applies to the Funds
<br /> . sets a le�ser amount. If•so, Lender may, at any time, collect and hald Funds in an amount not to exceed the lesser amount.
<br />��`'"'"' Lender mny estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
<br /> Escrow Items or otherwise in accordunce with upplicable law. __
<br /> • ' '° . Thc Funds shull be lield in un institutian whose deposits are insured by a federal agency, instrumentality, or entity
<br /> � ��"' (including i.ender,if Lender is such an institution)or in any Federal Home Loan Bank. l.ender shall apply the Funds to puy the
<br /> Escrow ltems,Lender may not charge Barrower for holding and applying the Funds,annuatly analyzing the escrow account, or
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<br />::�_•;-.•,� verifying the Escrow ltems,unless Lender pays Bonower interest on the Funds and applicable law permits Lender t�make such
<br /> "�'^'f?� �';, a char€e.However, I.ender may require Bonower to pay a one-time churge for an independent real estate taac reporting service
<br />`,�'�_;,,�s�,,� useo oy L.C��dc� +r� c�nncctian •r:h thi: losn. unless �prlicabie law provides otherwise. Unless an a�reement is made or
<br />-��•'%�;_�:�� applicable law requires intetest to be patd,Lender shall not be required to pay Borrawer any intercst or earnings on the Funds.
<br /> '°—f�'�•�;. Bonower and Lender may ngree in writing, however, that interest shall be paid on the Funds. I.ender shall give to Borrower,
<br />---�=�==�r r•� without charge, an annuai accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
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<br />- �-�'r�l;,'°�� debit to the Funds was made.The Funds are pledged as udditional security for all sums secured by this Secunty nstrumet►t.
<br /> ���'"-�`��.:�°=� If the Funds held by Lender exceed the amounts perntitted to be held by applicuble luw, Lender shall account to Borrower
<br /> �=-'�'-�� for the excess Funds tn accordance with the requirements of applicablc luw.If the amount of thc Funds held by Lender at any
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<br /> ��'-=",� time is not sufficient to pay the�scrow uems when due,i.eude�u�uy �J i1JLI� BOCfOC:cr i.^.u�r�tin�, and. in such case Bonower
<br /> ��'"'` ''�� shdll pay to I.ender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more chan
<br /> ==�_-= twelve monthly payments,ut Lender's sole discretion.
<br /> -�"`� Upon payment in fuU of all sums secured by this Security Instrument, Lender shall promptly refund tu Borrower any
<br />— �"--���. Funds held by Lender.If,undar parasruph 21,L.ender shall acquire or sell the Property,Lender,prior to the acquisition or sale
<br />_=- _=—= of the Properry. shalt apply nny Funds held by[.ender at the time of acquisition or sale as a credit against the sums secuted by
<br /> "`°'"'��� this Security[nstrument.
<br /> v=ti:�;'"-'0.� 3�Applfcatlon of Payments.Unless applicable law provides otherwise,all payments received by Lender under puragraphs
<br />���`��'`� 1 and 2 s}�all be applied: first, to any prepayment charges due under the Note; second, to amounts payable under pamgraph 2;
<br /> , ,,:.�'��'���� third. to interest due;fourth,to principnl due:and last,to any late charges due under the Note.
<br />-:::;�,�-��;,� 4.Chacges:Liens. Bonower shall pay all ta�ces,assessments, charges, fines and impc�sitions attributable to the Property
<br /> which may attain priority over this Security Instrument, and teasehold payments or ground rents, if any. Bormwer shall pay
<br /> _=��,r�,T� these obligations in the manner provided in paragruph 2,or if not paid in that manncr. Bonower shall pay them on time directly
<br /> -°`"—"'�= to the person oweci payment. Borrowcr shall promptly furnish to I.ender all notices of amounts to be paid under this paragraph.
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<br />�.-•� .,,,�,. _ If Borrower makes these payments directly, Bormwer shall promptly furnish to L.ender receipts evidencing t e payments.
<br /> �;;�:}�''°' Borcower shall promptly discharge uny lien which has priority over this Security Instrument unless$orrower: (a)agrees in
<br /> � ;�;.., ' writing to the payment of the obligation sccured by the lien in u manncr•acceptable to l.ender; (b)cnntests in good faith the lien
<br /> '�' by, or defends against enforcement of the tien in, legal proceedings which in the Lender's opinion operate to prcvent the
<br />_',J,, ,' ' enforcement of the lien; or(c)secures from the holder of the lien an a�reemcnt satisfactory to Lender subordinating the lien to
<br /> ' this Saurity Instrument. if Lcndcr detcrmincs that ary part of the Property is subject to a lien which may attain priority over
<br /> � this Security Instrument, Lender may give Borcower a notice identifying the lien. Borrower shall satisfy the lien or take one or
<br /> �. . �,( more of the actions set forth above within 10 days of the giving of notice.
<br /> Form 3028 8190
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