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<br /> Tooen�6A wrrw.0 the impror«a�nt.�,ov�►a h«�..ner a�tea on the aape�+�►,ma.r�en.rhen..�pun�h.aoes..ra
<br /> A�un� amw ar beraRar � p�tt of the prapotty. All eepl�cemeM� �nd �dditioa� �hdl dso be o�wt�ed by bis �au�ilY
<br /> IMh+�eat. All of dk Pora�ala�is re�ened w fa�hls l�ecudty I�at�umeM n the'PmpeRY•"
<br /> �tROW�7R OOVBAIA[V'1'S ti�at�vrtuwer Is I�w'fWly�el�ed ot 1be eWte heroby aonvsyed and ba tl�e d�ht ta�nnt in!
<br /> aanve�•�bc Teopatty n�d tA�t tbo �wpaty fs una�oumba�l�oxapt far e�nibanoa of taoo�d. ��ro�er waar�w�d wYl ,
<br /> defead rae�nlly the Ntla u+the Propeny a4+i�t all clnim�and dmamds�wbJeci W+wq encumbnnaa of r�oo�d.
<br /> 7'H1S SB+CURITY INSTRUMgNT caN�ina unifam ooveniM�tor rwiotil we and ane�wiitoraa oovaww wi�b IlaiiMd
<br /> v�ri�tion�by JuMidlction to oo�pue a ualtarm�eaidty in�trumaK mverin{n�l prc�pe�ty.
<br /> UNIPORM C01►@NAfV7'S. 8orrower ud t,ender oavennt�ad q�ee�fdlows:
<br /> 1. h�tMeM o�Pti�dpd a�i Lta+e�t� fh+epy�u�t w�d 1.�te C�r�er. Burtower �lwU P��Y NY wheu duo tha
<br /> pri�l of md inter�at an the debt evldeooed by Uw�Note and�nY P�Yment�nd la�e duirga due urda the Note.
<br /> 2. F'w�d�[or T�atl�aroe. Subjat to�pP�ic�bk aw or to�wrltten w�iver by I.ender. Bonower�IWI p�y to
<br /> La�er oa tl�e d�y monthlY P�Y�+�dua uada tha Noto.u�ail�ho Note i�paid in full.a wm("Furds")for:(�)Y�Y�
<br /> �ad use�undMs wbich r�y anain priodty over thlc Securiry Inurument�a lien on the Pmpetty:tb)Y�Y��P�Y�+
<br /> w•�ioa�d r�'x�aa i�L'sa�ty.itarty�(c)yrearlY learae+d a PraP�Y�su�an�.�e preft+�ums�(d)Ye�rly Aood inwraaoe p�ntiuwa.
<br /> it wy:(e)YeulY mortQa�e inwrancc prcmiuma.if my:md(fl Any suma p�yabk by Borrower eo Lendcr. in acxordoncc with
<br /> the provido�u of panigr+�h 8.in lieu of the pnymeat of mc►rtgage insurarKx prcmiunw.71�sc+itam4 aro callad'F.s�row Itaw."
<br /> Ln�der m�y.at aay time.oollect �nd hold Fund� in on amount nat to esaeed the maximum u�wunt a lender tor a feder�lly
<br /> rclated mort�age loar may roquiro for Borrower's escrow�ccuum under the federal Reai Estate Settktnent Procedura Ad of
<br /> 1974 aa amended fram dme to time. 12 U.S.C. Section 2601 er seq. ("RFSPA").unless uwther law th�t applies to�he Funds
<br /> xts a k�ser�mount.If so. I.ender rnay. st any timo. edlect and hoid Funds in an Atnount not ta exooed �he leuer anau�t.
<br /> I,ender may�m�te the�riount of Funds duc on the basis of cu�rant dat�and reasawbk�of expendiwnss of fwu�
<br /> Ecerow Itans or a�l�vvlse in acoarAs�nce with applic�ble aw.
<br /> 71�e Fw�ds �hall ba held in an instituUon whase deposits�re insurod by a fode�al �ger�cy. insuumentedty. or enifty
<br /> (ineluding I.ender,if L.�snder is such an institution)or in any Fedenl Home lrnan Banic.I.ender shall apply the Funds w p�y 1he
<br /> Ecerow Iw�u. l.eader may not charge Borrower for talding and npplyin�the Fu�ds.uumally Analyzing the escrow aoeount,or
<br /> verifying the Escrow Items,unlecg Leider pays Borrower intercat on Ihe Funds a�d applicabt�law permits Len�ler to make such
<br /> a clwrge.However, Leoder mny rcquirc Borrowtr to pay a one-time cLuge for an indepa�dent real estate tan repoRin�servioe
<br /> used by Lender in oonnection with thia Man. unless applicable law pmvides oti�erwisc. Untess an agrament is made or
<br /> appli�ble law rr.quirca inurcst to 6e paid.Lender shall not be raquired to pay Borrower any intercat or eamings on the Funds.
<br /> Borrower and Lender may agree in wsiting,however.that i�ten�st shall be paid on d►c Funds. I.ender sFwll give to Bomower.
<br /> without chuge, an annual accounting of the Funds,showing cnedits and debits to the Fnnds and the purpose for which esch
<br /> debit to the Funds was�iwde.The Funds are pledged as additional security for ali sums socured by this Security Instrumait.
<br /> If the Funds held by I.ender exoeed dk amaunts permitted to be hetd by applicable law.Lender st�l1 a�ecount w Horrower
<br /> fo��he excess Runds in accor�Wnce with the requi�ments of appiic.�ble law. if the amount of th�;Funds held by l.ender at any
<br /> tlme is not sufticient to Qay the Escrow Items when due.I.ender m�y so notify Borrower in writing,and.in such cASe Borrower
<br /> 61ia11 pay to L.ender the amount necessary to make up the deficiency. Borrower shall ms�ke up the deficiency in no m��ti�n
<br /> twelve monthly paym�mts,at I.ender's�sole discretion.
<br /> Upon puyment in full of all sums secured by this Securiry Inurument, L.ender shult promptly reti�nd to Borrower any
<br /> Funds held by Lender.lf,under puagrnph 21,Lender shall acquire or sell the Property,Lender, prior to the aequisition or sale
<br /> of the Property. slwll apply any Funds held by I.ender at the time of acquisition or sale as a credit against the sumc secured by
<br /> this Security Instrument.
<br /> 3.Applic�tion ot PoymeaGs.Unless applicable law pru�•ides otherwiu:,all payments received by Lender under puagraphs
<br /> I and 2 ahell be applied:first,to any prepayment charges due undcr the Note; second.to amounts payaWe under paragraph 2;
<br /> third.to interest due;fourth,to principal due;a�d lau,to any lote charges due under the Note.
<br /> 4.Ch�ges;L.ien.c.Borrower shall puy all taxes, assessments, charges, fines and impositions attribulablc to the Property
<br /> which may attain priority over thix Security Instrument,and leasehald pAyments or grourr,�l rents, if any. Borrower shsdl p�y
<br /> �hese obligations in the manner provided in pAragraph 2,or if not paid in thAt manner.Borrau�er shull pay them on ti�ne directly
<br /> to the person owed payment. Sorrower shall promptly fumi�h to l.ender all nolices of amoun�s to be paid under this piragraph.
<br /> !f Borrower makes these payments direcNy,Borrower shall promp�ly furnish to Lender receipts evidencing the ps�yments.
<br /> Borrower shali pramptly dischArge any lien which has prinri�y over this Security Instrument unless Borrawer:(A)agrees in
<br /> writing to tt�e payment of the obligatian secured by the lien in n manner uccepwble to Lender:(b)contests In good faith the lien
<br /> by. or defends ngainst enforcement of the lien in, Iegal praceedings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien; ar(cl securcs from tl�e halder of the lien an agreement wtisfACtory lo Lender subordinAtins tAe lirn to
<br /> this 5ecurlty Instrument. If Lender determineti that any part of thc Propeny i�subject to u lien whirh muy a�ts�in priority over
<br /> this Security Instniment, Lender n�ry givc&xrou•er a ncNirc identifying the lien. &�rroaer sh•rll wti,fy the lien or take one or
<br /> more of the actions set fonh ubove within IU days af the giving of notice.
<br /> Form 3028 9190
<br /> Pp�]d8
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