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<br /> TOGETHEYt W1TH all the lmprovements now or he:eafter ecected on the propeny, and all easements, appurcenances, and _
<br /> �xcures now or hereaher a put of the propeny. All replscements and edditions shall also be cavereA by this Security
<br /> Irutrumer,t, All of ihe fore�oina fo referred to in this Security lnscrument as�he"Propeny."
<br />' BORROW�R COVENANTS th�t�onower is lawfully seised of the estatc hereby c�nveyW and has the right to grant and
<br /> ccnvey the Property And th�t �he Propen�� ic unencumbered, except for aacumUrances of recard. Borrower warrants and will
<br /> defend goner�lly the title tu the Propeny against all claims and demands, subject to any encumbrances of racord.
<br /> TH1S SECURITY INSTRUMENT combines uniform covenants for na[ional use and non-unifocm covenants with lin�i�ed
<br /> varia�ions by jurisdiction to constituce a unlform securiq�instrument covcring real propetty.
<br /> UNIFORM COVENANTS. Borrower and l.ender covenant�nd agree u lollows:
<br /> 1. Ppyment of Princlpal and Interest; PrepAg�ment nnd Late Chtraes. Borrower shall pr�mptly pa�� when due the
<br /> princip�l af and interest on the debt evidnnced b��the Note and any prepayment and late charges due under the Nace.
<br /> 2. Fbndi for Taxes and Insurance. SubJect to applicable law or to a written waiver by� l.tnder, Borrower shali pay to
<br /> I,ender on the day monthly payments are due under the Note,until the Note is paid ln full, a sum("Funds")for: (a)yeazly taxes
<br /> and ussessments which may attxin prioriq�over this Security lnscrument as e lien on the Prop�rtp; (b)yearly leasehold payments
<br /> or ground rents on the Property, �f any; (c)yeazl}�hazard or propeny insurance premiums; (d)yearly flood insurance premiums,
<br /> if any; (e)yeazly mortgage insurance premiums, if any; and (� any sums payable by Botrower to I.,ender, in accordance with
<br /> the provisions of paragrnph 8,in lieu of the paymenT of mortgage insurance prcrniums.These items aze called "Escrow Items."
<br /> Lender may, at any time, collect and hold Funds in an amount not to exceed the muimum amount a lender for a federally
<br /> relezed martgage loan may require for Borrower's escrnw account under tho federal Aeal Es�ate Settlemeat Procedures Ac[of
<br /> 1974 as amended from time to time, 12 U.S.C. Section 2601 er seq. ("RESPA"),unless another law that applies to the Funds
<br /> sets a lesur amount. If so, Lender may, at any time, collcet and hold Funds in an amount not to exceed the lesser unount.
<br /> Lendar may estimate the amount of Funds due on the basis of cunent da�a and reasonable estimates of ex}�endituras of futun
<br /> Escraw Icems or othcrwis�in accordana«�ith applicable law.
<br /> The Funds shall be held in an institution whose deposics are insured by a federal agency, instrumentaliq�, or en[i[y
<br /> . (including T..ender,if Lender is such an institution)or in any Federal Home Loan Ban1;.Lender sha11 apply the Funds to pay ehe
<br /> Fscrow Items.Lend�r may nat charge Borrower fur holding and applying the Fur�ds, annually analyzing the escrow account, or
<br /> verifying the Escrow Items, unless I.ender pays Borrower interest an the Funds and applicablG laK�permits L.ender to make such
<br /> a cbarge.However, I.ender may require Borrower to pay a one-time charge for an independent real estate tax reponing service
<br /> used by Lender in connection with this loan, unless applicable law provides othenvise. Unless an agreement is made or
<br /> applicable law requires interest to be paid, Ltnder shall not be required to pay Borrowtr an}� incerest or earnings on the Funds.
<br /> Bonower and L,ender may� agree in writing, however, diat interest shall be paid on the Funds. L.ender shall give to Bonower,
<br /> without chuge, an aiu►nal accountiag of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funcis K�as made.The Funds aze pledged as additional securin�for all sums secured by this Securiry Instrumenc.
<br /> if w� zW����1�1Lt���������n���i th��mm�r�tc Y�rm�rt�ri tn he hdd by annlicable law. Lender sh211 account ro Bortou'CL
<br /> for[he excess F�mds in accardance with the requiremencs of applicable la��. If thc amount of the Funds held b�� Lender at an��
<br /> time is not sufficient to pt)•the Hscrow Icems when due, Lender may so notii}�Borrower in writing, and, in such case Barrow::
<br /> sh�ll pa}�to Ixader the amount necessary to make up the deficiency. Borrower shall ma1:e up the deficirncy in no more tb�u�
<br /> twelve tnoathly payments, at Lender's sole discrecion.
<br /> Upoa pryment in full of all sums secured by this Se�urih� Inscrument, Lender shall promptly refund to Etorrower anp
<br /> Fuads held by I.ende*. If, under puagraph 21,Lender shall acquire or se11 the ITroperq�, I.ender,prior to the acquisition or snle
<br /> of the Property, shall apply an�� Funds held b��I_ender ac the cime oi acquisicion or sale as a credir agains[the sums sceured bp
<br /> this Securit}�Iustrumen[.
<br /> 3.Appllaition of Paymeats.Unless applicable law�provides otherwise,all payments received by L.ender under paragraphs
<br /> 1 �ad 2 ahall be applied: first, to any prepaymenc chuges due under the Note; second,[o amounts payable under puagraph 2;
<br /> third,to interest due; fourth,to principal due;and lasc,to an��late charges due under the Note.
<br /> 4. Chnrges;Liens. Honower shall pa��all taxes,assessments, charges, fines and imposicions attributable to the Properry
<br /> which may attain prioriry over this Securit�� Insnument, and leasehold paymeats or ground rents, if any. Borrower sh�11 pay
<br /> these obligations in the manner provided in paragraph 2,or if not paid in that manner,Borrowcr shall pay them on time directly
<br /> to the penon owed payment.Borrower s6a11 promptly furnish to L,ender all notices of unounts ta be paid under this paragraph.
<br /> If Borrower aukes thex paymenu directl��, Bonower shall promptly furnish to Lender teceipts evidencing the payments.
<br /> Borrower shatl promptly discl�arge my lien which has priority over this Security instruuient unless Borrower: (a)agrees in
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the lien
<br /> by, or defcnds against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
<br /> enforcemeat of the lian;or(c)securos from the holder of the lien an agreement satisfxtory•to Lender subordinating the lien to
<br /> this Securiq� Instrument. If Lender deeercnines that any part of the Propeny is subjec�co a lien which may actain priorit}� over
<br /> tLis Security Instrument, L.ender ma��give Horruwer a notice identifying the lien.Bonower shall satisfj• the lien or take one or
<br /> more of the actions set forth above within 10 days of tbe giving of notice.
<br /> Form 3028 9190
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