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<br /> 'f(X7ETHER WITH ull the improve►nents now un c�rcafter ercctcd on the pro{xny.unv :dl eu+emcntx, appurtenanrea•und �.
<br /> fixturcs nuw itt hcrcaftcr ii pnrt af du pruperty. All rcpluc�mcnt.r and adJitiuns shnll .d�o hc ruvcrcd by thiti Srrurity
<br /> 1n,trumcnt. AU��f ihc forcE�aing is referred to in thiti Scrurity In�trwncnt n�the"Pra�x:rty•° �
<br /> BORROWCR CO�'�NANTS that 8orra��er i, I�nvl'ully+riud of tltc r+u�tc hcrchy cunveycd :md ha+ihc right to grunt and �
<br /> '�'��`'� comey the Prapeny und thut the Pn�perty is unencumhered. except f�,r eurumbrance� uf cewrd. Burro�ver wurrant, uuJ will
<br /> �.r+�'"� defcnd gencr.illy thc titic tu thc Propeny aguinst iiU clnimti and dcm.►ndti. �ubjcrt tu uny cncumbranccy of rerorci. �
<br /> '�--�-�-�"r THIS SECIJRITY INSTRUMEN'f combines unif��r�i cavenant�Pi�r nati��md u.e und non•uniFurm covcnant��yith limited
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<br />� variutions by juriulicti�m tu canstiwtc a unif'orm sccurity instrumcnt covcring rc:d pmperty.
<br /> UNIFORM COVENANTS. Born�wcr und I.endcr r�wcnunt und i�grcc u+f��lluws: �`
<br /> 1. 1'Nyment ot Princlpal and Interesh Pre(wyment and Latc Charqc�s. Borrowcr �all promptly pay when due thc L
<br /> � principal of and intemst on the debt evidenced by the Note and any pmpayment und lute rhurges due under the Note. _
<br /> ' 2. �unds for Tuxes And InsurAnce. Suhject to.ipplicuhlc Ic�w or to a writtcn w�aivcr by l.cndcr. Borcowcr shull pay to
<br /> Lender on the duy munthly payments ure due under thc Note, until the Note is paid in full.a �um ("Funds") for: (al yearly twces _
<br /> • , and assessments whirh may attatn prioriry over this Securiry Imtrument ac n lien an the Pro�eny: (b)ycarly leasehold payments _.
<br /> I� �'• or ground rents on tixe Propeny. if uny:(c)yearly hazurd or pmpr.ny insurancc prcmium�:(d)ycarly flood insur.�nce premiums.
<br /> �' : if any;(e)yearly mortgage insurance premiums, if uny: and (0 uny�ums pay�abte by Borrower to L.ender. in uccurdance with
<br />'�;�.'�.° the provisions of p�graph 8, in lieu uf the paymr�u of mortgage insurance premiums. These itemc nte caUed "Escrow Items."
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<br /> �� L.ender may, at any time, callect nnd hold Funds in un umount not ta excced the muximum amoum a lender for a federally
<br /> ' ''.,. related mortgage loan may require for Borrower's escruw account under the federnl Real Fstute Settlement Procedures Act of —
<br />;_,t���• ' 1974 us amended(rom time ro time. 12 U.S.C.Section 2601 er sey. ("RESPA"),unless andher law that applics ro the Funds
<br /> sets u lesser umount. If so, Lender may, ut any time, collect und hold Funds in an amaunt not ta exceed the lesser amount.
<br /> ,����• f,'•� Lcnder may estimate the amount of Funds due on thc ba,is of cuRCnt data and reasanable atinnates of expenditurcs of future
<br />���� " � Escrow Items or cxherwise in accordance with appljcable Inw. __
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<br />-• `;�";t. The Funds shall be held in an institutian whose depositc are insured by a federal agency, instrumentulity, or entty
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<br /> =;,:•-.. (includins Lender,if Lender is such an institution)or in nny Feder.�l Home Lo:ui Bank. Lender shall apply the Funds to pay the
<br />`-`4,t',�i�, Escrow Items. I.ender may not charge Borrower for holding and applying the Funds,annually analyzing the escruw account.or
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<br /> „ .,,, u verifying the Escrow Items,unless Lender pays Borrower interest on the Funds:►nd Applicable law perm►ts L.ender to make suc
<br /> � ='�i'�fi a charge. However, iender may reyuire Buiia�e�to pay a are s3nw chsfge f^r�n indencndent real cstate tax reporting service
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<br /> ;. ,.. used by Lender in connectian with this laan. unless applicable luw provides otherwlse. Unless an agreement is made or
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<br /> •;',��v;,;� applicable law requires interest to be paid. Lender shall not be required to pay Bonower any interest or earnings an the F s.
<br />-_.:�.��� Rorrower and Lender may ngree in writing,however.t6at interest shall be paid on the Funds. Lender shall give to Borrower.
<br /> �'?�=�"� without churge. an annual accounting of the Funds,showing credits and debits ro the Funds and the purpose for which.ach
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<br /> �-::�� debit to the F�tnds was made.The Funds are ptedged as additional securiry for all sums secured by thfs Security nstrument.
<br /> -=----� If the Funds held by I.eader exceed the amounts pernutted to be held by applicable law,I.ender shall account to Borrower
<br />— ��;�: for the excess runtis in acconiuuca wit�� t�c r..:,c::em��ts af Q���i�Ahle law. If the amount of the Funds held by Lender at any
<br /> --��° time is not sufficient to p�y the Escrow Items when due.Lender may so notify Borrower in writing,and.in such case Borrower
<br /> --`_-,`� shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no morc than
<br /> --�— twelve monthly payments.nt I.ender's sole discretion.
<br /> Upon payment in full of all sums secured by�his Security Instrument, Ixnder shall promptly refund to Borrower any
<br /> --�-°II-- Funds held by Lender.If,m�der paragraph 21,Lender shaq ucquire or seU the Property.L.ender,prior to the acquisition or sale
<br /> _ --- of the Property.shall epply uny Funds held by Lender at the time of acquisition or sale a.s a credit against the sums secured by
<br /> ' —-=� this Secudry Instrument.
<br /> ��h� 3.Applies�Non of Payments.Unless applicable law provides otherwise,all payments received by Lender under paraBcuphs
<br /> =-`"—'�� 1 and 2 shaU be applicd: first, to any prepayment charges due under the Note; second,to amounts payable under paragraph 2:
<br /> —�.;r.��y third,to interest due:fourth,to princip:il due;and last,to any late charges due under the Notz.
<br /> _— 4.Cha�'ges; Llens. Bonower shall puy all taxes. assessments, charges, fines and impositions attributable to the Property
<br /> ;,,�,z,y_1� which may attain priority over this Security Instrument,and leasehold payments or ground renu, if any. Borrower shall pay
<br /> =--�N�=� these obligations in the manner providcd in paragraph 2,or if not paid in that manner.Borrower shall pay them on time direcdy
<br />- �'r'� ta the person owed payment. Bormwer shall promptly fumish to I.ender all notices of amounts to be paid under this paragreph.
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<br /> ..,�:�.,. � If Bonower makes these payments directly,Borrower yh�l(promptly fumish to Lender receipts evidencing the payments.
<br /> `'' Borrower shatl promptly discharge any lien which has prioriry over this Security Instrument un(esc Borrower: (a)agrees in
<br /> _ _ �_•��i^� writing to the payment of the obligation secured by the lien in a mnnner ucceptable ro Lender. (b)contests in good faith the lien
<br /> � by, or defends against enforcement of the lien in, tegal proceedings which in the Lender's opinion operate to prevent the
<br /> ' " enforcement of the lien; or(c)secures from tt�e holder of the lien an agreement satisfuctory to Lender subordinating the lien to
<br /> " this Security Instrument. [f Lender determines that any part nf the Property is subject to a lien which may attain priority over
<br /> ' this Security Instrurnent.Lender may give Borrower 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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