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<br />--��=>i. TOGBTHER WITH all the improvcmcnts now ar hereafter crected on the property, and all casements, appurcen:,nces, and
<br /> ���j� fixwre� now or hereafter a part of the propeny. All replacements and additions shall also be covercd by tliis Securi�y
<br /> ����':'�L� Instcument.All of the foregoing is refcrred to in this Socurity Instrument as the "Property."
<br />��.r..�,
<br /> .:,..��'�i� f10RR(yWER CUVENANTS that Borrower is I�wfully seised of tlie estate hercby convcycd 1nd has the right to grant and
<br />��'"rx� convey the Propeny azid that the Property is unencumbered, except for encumbrancey of record. Borrower warrants and will
<br /> "^';�``�`; - defend generally the title to the Propeny against all claims and dtrnands, subject to any encumbrances of rccord,
<br /> _,_,_.•;
<br /> '`' `" THIS SECURITY INS�'RUh9ENT combines uniform cnvenants for national use and non-uniform covcnants with limited
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<br /> � variations by Jurisdlction to constltute a uniform security instniment covering real propeny.
<br /> �J���'y� UNIFORM COVFNANTS.Borrower and I.ender covenant and agree as follows:
<br /> -Ld� 1. Payment uf Principstl �nd Inter�►t; Nrepriy�iieui aud [,ate Charges. I3orrowcr �hall promptly pay +�rhen duc thc �
<br /> �J�i��• principal of and interest on the debt evidenced by the Note and any prepayment and late cha�ges due under thc hote.
<br /> ,,�L 2. �nda for Tpxes and Incurance. Subject to applicablc law or to a written waiver by L.ender, Borrower shall pa�� to
<br /> l.ciider on tho day monthly payments are due under ttie Notc,until the Note is�aid in full,a sum("Funds") far (a)ycarly taxcs
<br /> �:t.� annd a�sessments whic.h may attain priurity ovec this Sccurity Instrument as a licn on thc Property; (b)yearly leasehold payments
<br />-":�'•�; or ground rents on the Property,if any;(c)yearly hazard or propeny insurancc premlums;(d)yearly fluod insurance premiums,
<br /> -_-,:��;� if any; (e)yearly mortgage insurance pren►iun�s, if any; and(�any sums payablc by Barrower to I.,cnder, in accor�lance with
<br /> _,:L;��,,; the pruvisions of paragraph 8, in iteu of the paymeat of mortgage insurance premiums. These ltems are callcd "Escrow ltems."
<br /> -_-_�� Lender may, at any time, collect and hold Funds in an amaunt not to exceed the maxlmwn amount a lender for a federally
<br />__=�� related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br />-- —_.�.. -�.. 197A as amended from time to time, 12 U,S.C, Section 2601 e1 seq. ("RESPA"), unless another law that applies co the Funds
<br /> --- scts a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount.
<br /> ' H'�. Lende�r may estimate the amount of Funds due on the basis of current data:uid reasnnable estimates of cxpenditures of future
<br /> µ`�:r�.� Escrow Items or otherwise in accardance with applicable law.
<br />_����— The Funds shall bG held in an institution whosc deposits aze insured by a fecleral Ygency, instrumentaliry, or entity
<br /> (including Lender,if Lender is such an institution)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the
<br /> �� -- Escrow Items,Lender may not chazge Bonower for holding and ap�lying the Funds,annually analyzing the escrow account,or
<br /> _---_ _-- veritying the Escrow Items,unlass Lcnder pays Borrower interest on the Funds and applicable law permita I.ender to make such
<br /> a cherge.However, I.ender may require Borrower to pay a one-time chazge for an independent roal estate tax reporting service
<br /> _� usul by Lender in connxtion with this loan, unless applicable law provides otherwise. Unless an agraxnent is made or
<br /> _� applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> v--— Honower and Lendar may agra in writing, however, that interest shall be paid on the Funds. Lender shall give to Bonower,
<br /> without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Security Instn�ment.
<br /> -- If the Funds held by Lender exceed thr,amounts permit[ed eo be heid'oy appiiwuic iuw,Lc�iue►�Yia�1 y:.wu�a:�ncr:��cr
<br /> for the excess Funds in accordana with the requiremcnts of applicable law. If the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay the Escrow Items when due, Lender may so notify Bonower in writing,and,in such casc Borrower
<br /> shali pay to Lender the amount necessary to make up the deficiency. Bonower shall make up the deficiency in no more than
<br /> twclve montlily payments,at Lender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, Lender shali promptly refund to Bon�wcr any
<br /> Funds held by Lender. If,under paragraph 21, Lender shall acquire or sel!the Property,I.ender,prior ta the acquisition or sale
<br /> of the Property, shalx apply any Funds hcld by Lender at the time of acquisition or sale as a credit against the sums se�cured by
<br /> this Security Instrument.
<br /> 3. Appllcation ot PAyments.Unless appl'scable law provides otherwise, all payments received by l,ender under paragraphs
<br /> 1 and 2 shall be applied: first, to any prepayment charges due under the Note;second, to amounts payable under pazagraph 2;
<br /> third, to interest due; fourth,to principal duc;and last,to any late charges due under the Note.
<br /> 4. ChArges;Liens: 6atmwer shall pay all taaes,assessments, charges, fines and impositions attributable to the Properry
<br /> � which m�y attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay
<br /> these obligations in the rnannor provided in paragraph 2,or if not paid in that manncr, Borrower shall pay them on time dirtctly
<br /> to the petson owed payment. Horrower shall prompdy furnish to t.ender all noticcs of amounts to be paid under tnis paragraph.
<br /> � If Bonower makes these payments directly, Borrowcr shall promptly fumish to I.�ndcr receipts evidcacing the payments,
<br /> Sonower sha11 promptly dischazge u�y lien wl�tch has priarity over this Security Instrument unless Borrower:(a)�grces in
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable to L.ender;(b)contests in good faith the lien
<br /> by, or deCends against enforcement of thc lien in, legal p:oceedings which in the Lender's opinion operatr, to prevent the
<br /> !.-' enforccment of the iien; or(c)secures from the holder of the lien an agreement satisfactory to Lcnder subordinadng the Iien to
<br /> -� this Security Instrumcnt, If L.ender dctermines that any part of the Property is subject to a licn which may attain priority �ver
<br /> -""`"'�� this Security Instrumenc, L.ender may give Borrower a nocice identifying the iien. Borrower shall satisfy the lien or take one or
<br /> -=""��-'�� more of the actions set fonh above within 10 days of the giving of noNcc.
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<br /> ;-^A�:: Form 3028 9190
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