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<br /> TO(3ETIiER WITH all the impravemcnts now or hereafter erected on the property,and ull cuscments,upp� en cs.sind
<br /> �xtures now or hereufter n part of the praperty. All replaccments and Additions shall Altip bc covered by this Securlty
<br /> InStrument. All c�f'the foregoing isrcfcrred tn in thi5 Securtty Instrument as the"Propcny."
<br /> BORRQW�lt COVI?NANTS thut Bonowcr is lawfully sei.r•ed of thc estutc hereby canvcycd und h:►s the right to grnnt and
<br /> canvey the Praperty und thut the Property is unencumbered, except fnr encumbrunees af recRrd. Borrnwer warrunts und will
<br /> defend generully the title ta the Property ugain,t�II clnlms and dcmands,subjcct ta any encumbrnnces of recorci.
<br /> THIS SECURITY 1NSTRUMENT cc�mbines uniform cove�iunts for national use mid non-uniform rovenunts with Iimited
<br /> ��ariutions by jurisctiction ta constitutc u unifarm sccurity instrumcnt covcring rcal property.
<br /> UNIFORM COVENANTS.Earrower und L.ender covenant and usree us follows:
<br /> 1. Pwyu�ent of Pri�xlp+►1 Ancl Intcrest; Prepaymcnt u��d I.ute Churgcs. Bonowcr shall promptly pny when due the __.
<br /> principal of end interest an tNe debt evidenced by the Note and any prepayment nnd Inte chargeti due under the Note.
<br /> 2. Ftinds tor Tux�.w and Insurance. SubJect to applicnble Iaw or to a written wnivcr by Lendcr, Borrawer shull pay to
<br /> Lendcr on the duy manthly paymcnts arc due undcr the Note,until the Notc is paid in full,a sum("Funds")for:(u)ycarly taxes
<br /> and assessments which muy attain priority over this Secudty Instrument ns a Iten on the Property;(b)yearly leasehold payments
<br /> or graund rents on the Property. if any;(c)yearly hazard or property insurance premiums;(d)yearly tlood insurance premiums.
<br /> if any; ie) yes�rly mortgage insurance premiums,if nny; and (�any sums paynble by Borro+ver to Lender, in accordance with
<br /> the provisions of paragraph 8,in lieu of the payment af mort�age Insurancc premIums.These items arc called "Escrow items."
<br /> i.ender may, at any t1me, collect and hold Funds in nn amouut not to exceed the maximum amount a lcnder far a federatly
<br /> relatcd mortgage loun may require for Borrower's escrow account under the federnl Real Estate Settlement Procedurss Act of
<br /> 1974 ss amended fr�m time to time, 12 U.5.C. Sectton 2601 et seq. ("RESPA"),unless another law that applies to thc Funds
<br /> sets a Iesser umount. If so. Lender may. at any time, collxt and hold Funds in an amount not to exceed the tesser amount.
<br /> Lender muy 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 accordance with applicable law.
<br /> '!'he Funds shall bc held in an institution whose deposits arc i�sureil by a federal agency. instrumentality, or entity
<br /> (including Lender,if Lender is such an institutlon)or in any Federal Home Loan Bank.Lender shaU apply the Funds to pay the
<br /> Escrow Items.Lender may not chuge Borrower for holding and applying the Funds,annually analyzing the escrow account.or
<br /> verifying the Escrow Items. unless Lender pays Borrower interest on the Funds and appltcable law permits Lender to make such
<br /> a charga However. L.ender may require Borrower to pay a one-dme charge for an independent real estate tax reporting service
<br /> used by Lender in connection with this loan, unless appllcable law provides otherwise. U�less an agreement Is made or
<br /> appltcable law requires interest ta be paid.Lender shall not be reqaired to pay Borrower any interest or eamings on the Fuads.
<br /> Be�rrower and Lender may agrx in wrlting, however,that interest shall be paid on the Funds. L.ender shall give to Horrower.
<br /> without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for wh[ch each
<br /> debit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Securily Insnument.
<br /> if the Funds held by L.ender excad the amounts pernutted to be heid by applicable iaw.I.ender shaji account to&�rcvwcr
<br /> for the excess Funds�n acccirdance with the requirements of applicable law. If the amount of the Funds held by Ixnder at eny
<br /> time is not sufficient to pay the Escrow Items when due,I.ender may so notify Bonower in writing. and.in such case Borrower
<br /> shall pay to I.ender the amount necessary to make up the deficiency. Borrower shall make up the deficieacy in no more than
<br /> twelve munthly payments.at I.�ndcr's sole discretion.
<br /> Upon payment in fu11 of all sums securod by this Security Instrument,Le�xler sl�all promptly refund to Bonower any
<br /> Funds held by I.ender.If.under paragraph Zl,iznder shall acquire or sell the Property,Lender,priar to the acquisition or sale
<br /> of thc Proper[y.shal(apply any Funds held by Lender at the time af acquisition or sale as a credit against the sums secured by
<br /> this Secttrity Instru[rxnt.
<br /> 3.Applkatbn ot Paymenb,Unless applirable law provides otherwise.aU payments rxeived by L.ender under paragraphs
<br /> 1 and 2 shall be applied: first, to any prepayment charges dae under the Note;second.to amounts payable under paragrxph 2;
<br /> thic�d.to Interost due;fourth.to principal due;and last,to any late charges due under the Note.
<br /> 4.CMarges;Liens.Borrower shafl pay all taxes,assessments,oharge.c.fines and impositions utuibutable to the Yrope�ty
<br /> which may attain priority over this Securiry Instrument. and ieasehold payments or ground rents, if any. Borrower shall pay
<br /> these obligtnions in the manner provided in paragcaph 2,or if not paid in that manner. Borro�ver shall pay them on time directly
<br /> to the person owod payment.Bortower shall promptly fumish to Ixnder all nottces of amounts to be paid under this paragraph.
<br /> If Borrowsr makes these paymenis directly,Borrower shall promptly furnish to L.ender ceceipts evidencing the payments.
<br /> Borrower shall promptly diuhurge any lien which has priority over this Security Instrument unless Bonower:(a)agrcts in
<br /> writing to the payment of the obligation securcd by the lien in u manner acceptable to Lender;(b)contests in good faith the lien
<br /> by, or dcfGnds against enforoement of the lien in. legal prooeedings which in the Lender's opinion operate to provent the
<br /> enfoc+cxment of the lien;or(c) secures from the holder of the lien an agreement sattsfactory to Lender subonlinating the lien to
<br /> this Security Instntment. If Ixnder determines that any part of the Property is subject io a lien which may attain prioriry over
<br /> this Security Instrument, Lender may give Borrower a notice identifying the lien.Bonower shall satisfy the Iten or take one ar
<br /> more of ti�e actions set forth above within 10 days of the giving of notice.
<br /> Form 302a 9190
<br /> Pap�2 ot 6
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