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<br /> TOCiETNBR WiTH all thc Impravcments naw ar herGafter erecta4 on the property,und ull casemcnts,appurtenanccs,ancl
<br /> flxtures now or hereafter u part of the property. All ttplacsments and adJitians shap also be cuvcrecl by tttie; Security
<br /> Fnstr.�mcnt.All of the foregoing is rcfcrred ta in this Sccudty lnstrumcnt ae the"Aroperty."
<br /> BORROW6R COdENANTS that Aorrouer is lawfully seiscd af the c�tate I�ereby convcycd und hus thc rlght to grant und
<br /> convey the Praperty and ihut the Property is unencumbered.except for encumbrances af record. Borrower wurrnnts and wlll
<br /> Jefend ge�xrully t4e tide w the Frupeiiy ugniust ull clai�ny anJ demands,subjcc;t ta uny encumbr�inctw uf��ord.
<br /> THIS S�CURITY INSTRUMENT cumbincs uniform cavenants for nattonal us�and non-untform covenants with Ilmital
<br /> variations by jurisdictlon to constttute a uniform Fecurity instrument covering real property.
<br /> UNIFORM COV�NANTS.Bonower and f..ender covenant and asree es follows:
<br /> 1. Payment ot Principwl and Intetest; Prepayment And l.ate Ci�arges. Horrower ahall promptly pay whcn due the
<br /> princ(pal of und intcrest on the debt evidonccd by the Note and any prepaymeut and latc cl�argcs duc under the Note.
<br /> 2. �un�lv for Tw�ces and I�uursu�ce. SubJect tu uppllc�ble luw or ta u written waiver by I.ender, Borrower shall puy to
<br /> I.endcr on thc dny monthly paymeirts arc due under tha Note.until the Note ls paId in full,a sum("Funds")for:(a)yea�ly taxag
<br /> And ussassme:nts which may attain priority over this Security Instrument as a llen on the Property;(b)yearly leasehold payments
<br /> ar ground renGS on the Propeerty. if any;(c)ye,arly h�zard or prope.rty insurance premlums;(d)yearly flood incurance prcminms,
<br /> if nny; (e),yearly mortguge insurancc premlums, if any; und(�any sums payablc by Harrawer to I.ender, in accordance wIth
<br /> the provisions of paragraph 8,In lteu of the payment of mortgase insurunce premiums.These items are r.nlled "Escrow Items."
<br /> I.ender muy, at any time,callect a�d hold Fur.ds in an nmaunt not to exceed the maximum amount s lender for a fede�ally
<br /> �;lutai martgage,loan may requiro for Borrower'9 escrow account under the federal Real Estate Settlement Prceedures Act of
<br /> 1974 as umended fcom time to time. 12 U.S.C. Sectian 2601 et srq. ("RESPA"),unless another law that applies to the Funds
<br /> sets n Iesser amount. If so, Lencter may, ut any time, collect und hold Funds in an umount not to exceed the lesser amaunt.
<br /> Lender nwy estimate the amaunt of Funds duc on thc basis of cunent data and reasonable estimates of expenditurey of futuro
<br /> Escrow Items or othenvise In accordance with applIcable law.
<br /> The Funds shall t�e held in an institutton whosc depasits are insured by a fi�cral agency, lnstrument�lity. or cntity
<br /> lincluding I.ender,if I.endcr is such an institutlon)or in any Faferal Homc Loan Bank. Lender shall apply thc Futxis to poy the
<br /> Bscraw Items. I..encler may aat charge Barrower for holding ancl applying tha Funds.annuully unaly�ing the esc:row account, �ir
<br /> verlfying tho�scrow itema, unles�[..cnder puye Bc►rrnwcr intercst on thc Funds and appiicuble law permits Lender to make ruch
<br /> n ctwrge. liawevcr. l�ender n�ay requirc Borro«�er ta pay a onc-timc Charge for an iixleJxndent rcal e�tata tsx rcportin8 Kervice
<br /> usoci by Lcndcr in connection with this loan, unless applicablc law provldes otherwise. Unless nn ugroement is ms�ie nr
<br /> eppilc�ble law rcqulns intenst to be paid,L.cndcr�shall not bc rcyuirod to pay Aormwer eny interest or wrnings on the Fund�.
<br /> Burrower and l.ender may agreo in writing, hpwever, that interest ehall bc puid on ti�c Fu►�ds. Lender shall givc ta Borrower�
<br /> without charge, an ennual accounting of the Funds, showing craiits and debits to the Funds and the pucpc�se far which each
<br /> debit to the Funds wes mede.Thc Funds�rc plalged as uddiclonal sccuriry for all sums securod by this Secudty Inatrument.
<br /> If the Funds held by L.erxier excad the amountg permittal to bc held by appltcable law, I.endor shall eccount to&�rrower
<br /> for tho excess Funds in accordAnce with the requic+ements of applicable Isw. If the amount af the Funds held by Lender�t ony
<br /> time is not sufficIent to pay the Escrow Ttems whcn due,Lender may sn natify Borrower in wdting,and,in such case Borrower
<br /> WF.:.':pay to l.e►kicr the amount necessary to makc up the deficiency. Borrower s}uill malce up the dcficiency in no man then
<br /> , twelve mnnthly payments,at Lender's sole discrctlon.
<br /> Upon paymenR in full of all sums secured by this Securlty Instn�ment, I.ender shall promptly refund to Borrower any
<br /> �unds held by Lender.If,under paragraph 21,i.ender shall acquire or sell the Propeny,L,ender.prior to the acquisition ar sale
<br /> of thc Propeny,shall apply any Funds hcld by Lcnder at the time of acquisition or sale as a cr�dtt against the sums secured by
<br /> this Security lnstrument.
<br /> 3.Applic�tio�oP�ymenls.Unless apQlicablc law provides otherwise.ull payments receivod by Lcnder under paregrephs
<br /> : 1 arxi 2 shall be appliod:first,to nny prepay�ment charges due under the Notc;socond,to umounts payable under paragraph 2;
<br /> � third,to intercst due;fourth.to principal due:und last.to any late chazges due under the Note.
<br /> 4. CharRes;Liens.Borrowor sh�ll pay all k�txec,assessments,chnrge�s, fines nn�i�positions attributable to the Property
<br /> � which may attain priority over this Security Instrument, and lensehold payments or ground rents, if any. Aorrower shnll pay
<br /> f thesc obligations in the menner providod in paragrnph 2.or if not patd in that manner�Borrower shull pay ifi�em on time directly
<br /> y to the person owed payment.Borrower shal(promptly furnish to Lcndcr all notices of tunounts to be paid under thls paragc�ph.
<br /> f lf Borcower makes these payments dircctly,Borrower shall promptly fumish to Lcndcr rcccipts cvidcncing the peyments.
<br /> � Borrower shall promptly��ischurge any Ilen wh{ch has priori.ty over this Sxudty Instrument unless Horrower:(a)agras in
<br /> �' writing to the payment of the obligation securcd hy the iien in a manner ucceptable to Le►xi�r;(b)contests in good faith the lien
<br /> � by, or defends against enforccmenr of th;; �Scn in, legul proceedings which 3n thc I.ender's opinion ap¢rate to prevent tha
<br /> + enforcement of the lien: or(c)sc�cures from tlie holder of die lien an ngreemcnt satisfactory to I..ender subordinating the lien to
<br /> a this Security instrument. If I.cncicr determines thut any part of the Pmperty is subject to a l{en which may nttain priority over
<br /> this Security instrun�ent. Lender may give Borrower u nottcc idcntifying thc licn. Borrowcr shall sutisfy thc licn or takc ono or
<br /> more af the actions set forth above within 10 days of the giving of notice.
<br /> a
<br /> � Form 3028 9190
<br /> N.wsoee
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