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<br /> •moeTHBfe wrfH�I�the iaapnovema�q row ur nereaRer e,nctoa on tlw propaty,mb.=)au�ea�t..a�purterunod�.pa
<br /> ' tGcWro� now or hero�ttu • pat ot tbe property. All repl�oanont� ud wddilions �htll �la be ooverod by this Seauity
<br /> Ia�pament.All of the fore�ia�is rofared to ln lhis Saa�riry Ia+tn�ment a��he'FruputY.'�
<br /> BORROWBR COV6NANTS that Borrowcr ii I�wfully ai�ed ot tha e�tc hereby convayed and has the rlQht w�rant and
<br /> aonvay the Prope�iy uK!tl�at the Property is unencumberod,exapt for encumbranoa of remrd. Bormwar w�eruMr iud wW
<br /> defad gener+dly thc title to the PropeRy�yainst all claiau ard dcmond�,RubJoct to any encumbr�noa oP rec�rd.
<br /> THIS&ECURITY INSTRUMENT oombines unifo�m oovenantt for�ution+�l �ue and non•uniform cnveiunta witb limited
<br /> _ varWions by juri�diction to rnnstitute a unifotm secu�ity ioatcument coverinQ real property.
<br /> � � UMFORM COVENANTS.Borrower and Lendar covenAnt�nd agree a�follawo:
<br /> 1. P�ynawt ot Prlacip�l sad IAter�ct; Pre�ya�mt and Late Chuga. Aorrower ahail promptlY psy wlxn due the
<br /> principal of and intercst on the debt evidencod by tho Note and any prcppyment uid latc chuQes due under the Note.
<br /> 2.F�nd�tor T�eo�ad[nwrance. Subject w opplicable law or to a wdtten waiver by Lender.Aorrower siwll poy w
<br /> Lc�nder on the d�y monthly payments iue due under the Note.until Uu Note is paid in full,a sum("Furid�")for:(a)ycarly luxa
<br /> and assessmcnts wMlch may anain priority ovar this 3ecurity instrument as u licn on the Property:(b)yearly lea�elwld payment�
<br /> or grcwnci raus an the Propecty. if rmy:(c)Yearly heza�d or PropertY insuraike premiuma:(d)Yearly fla�d insurar�ce pramiuma.
<br /> if any; (e)yeady mortgege insurance prcmiums.if any;and(�any sums payeble by Barrower to I.ender. in ucoo�dance with
<br /> tho prnvisions of patagraph 8,in lieu of the payment of mortgage inauranoc premiums.Thesa items are callod"6scrow itema."
<br /> Lender may. at nny time,collect and hold Funds in an wnount nat w excced the maximum amount a letder for a federaUy
<br /> relatod mortgage loam m�y requirc for Borrower's escrow accaunt w�dcr the fedcral Real Estate Senlement Prooalures Act of
<br /> 1974 as arnended from time to timo. 12 U.S.C. Section 2601 et seq. ("RBSPA"). unless another law that applies w the Funds
<br /> _ __ seta a lex�er amcwnt. If so, [.a�der may,at any time. oollect and hold Funds in en amount not to axcoed the lesaer amount.
<br /> Lender may estimate the amount of Funds duc on the basis of currcnt data and reasonable astfmates af e�cpenditures of tLturo
<br /> Bccrow Items or otherwise ln accordance with applicable law.
<br /> The Funds shall be held in an institution whose deposits ere insurod by a federal agency, instrumentnlity, or entity
<br /> (including Lender.if L.ender is such an instltudon)or in eny Poderal Home Loan Benk. I.eoder ahall apply the Funds to pay the
<br /> Escrow Items.I.ender mey not cherge Borrawer for holding and applying the Funds,annually analyzing the escrow eccuunt,or
<br /> verifying the Fscrow Itcros.unless L.ender paya Borrower interest on the Funds ond applicable law permits I.ender to make such
<br /> a charge. Howevar,Lender may require Borrower to pay a one-time charge for an independent real eatate tax reporting service
<br /> used by Ler�ler in connaction wlth this loan, unlesa applicable lew pmvides otherwise. Unless an agree+neot ia made or
<br /> applicable law rcquire�interest to be paid,L.ender shall not be required to pay Borrower eny interest ar earniags on the Funds.
<br /> -= Borrower and Lender may agree in writing, however. that intemst shall be paid o��he Funds. I.ender shall give to Bormwer,
<br /> without charae, en annual accounting oP the Funds. showing credits anci debits to the Funds and the purpose for which exh
<br /> debit to the Funds was�iwde.7'he Funda ere pledged as additional gecu�ity for all sums secured by thia Secu�ity Tnstrument.
<br />-- --- If the Funds held by I.ender exceeci lhe amounts permitted to be held by Applicable law,Lender�hull account to Borrower
<br /> '�'� for the exass Funds in a�:cordance with the requirements of applicable law. If the amaunt of the Funds beld by Lender at any
<br />=-""� time is not sufficient to pay the Escrow Itenu when due,Lender may so notify Borrower in writing,ond,in such case BoROwer
<br /> :`i� shall pay to[.ender the amaunt necessary to make up the deficiency. Borrower sh�ll make up the deficiency in no more than
<br /> "�� tweWe monthly payments,at[.ender's sole discretion.
<br /> ;.� Upon payment in full of all sums secured by this Secu�ity instrument, l.ender shell promptly refund to Borrawer any
<br /> a Funds Neld by Lender.If,under parngrnph 21, l.endcr shull ucquire or sell�he Pmperty.I.ender,prior to the acyuisition ar tiule
<br /> ..w.� of the Property,shull Apply uny Funds held by I.ender at the�ime nP acquisition or xale as a credit aguinst the suma secured by
<br /> this Security Instrument.
<br /> -'••"`� 3.Applicatton oP Poymentx.Unless upplicable Inw provides otherwiu,all ps�yments receivod by I.ender under paragrophs
<br /> ". 1 and 2 shall be applied: first, to any prepayment charges due under the Note;kronJ, to unx�untx pryablc under paragruph 2:
<br /> - third,to interest duc:fourth,to prin.ipal due;and lust,to ony Intc chnrges due under the Note.
<br />=-.,;`�;:� 4.Clwrge.v;Llens. Bnrrowcr shall pay aU taxes,assessmentw,charges, fines ancl impn�itions uttributable tc►the Pmpeny
<br /> -�;�� which may atwin priorlty avcr this Security Instrument, and lea,ehold payment.r or ga�unJ rcmx. il'urry. &irrower shall pay
<br /> ' •� these obligations in the mnnner provided in puragruph 2,or if not paid in that munner.&►rrower.hull p•ry them on timc directly
<br />` �� to the per�►n owed payment.Bnrrower sholl prompUy furnish ta I.endcr ull noticcti of umuuntr to t►e paid undcr this puragraph.
<br /> , If Borrower makes these puyments directly, Borrower shuli prompdy furnish to Lender receiptr rviJenring thr paymentx.
<br /> t� Borrower shull promptly dischurge any lien which hns prfority over this Securily Instrunknt unle,�Borrowcr: lu)ugrees in
<br />;;t��l`� writing to the payment of the obligution secural by thc lien in a munner ucceptAble to Lcndcr;lb)r�imest.in g�xxl faith the lien
<br /> = by, or defends ogoinst enfarcement of 1he lien in, legal proceedings which in thc l..enJcr'� upiniun operule to prevent the
<br /> "�y° enforcement of the lien;ar(c)securcs from thc holder of the lien un agrecment suti�fuctary to l.enJer sutx►rdinating the lien to
<br /> .. this Secu�ity Instrument. !f Ixnder determines that any pun of thc Propeny is suMjcct tu a lirn wliirh muy ullain pri�irity over
<br /> ,;,.;� this Security Instrumenl, LenJer may givc Borcower u noti�e identifying the lien. &ircuwcr tihall �a�i.l'y dic licn ar ts�ke onc or
<br /> i=L� morc of the actions set forth above within l0 duys of the givfng of notice.
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<br /> Fam 3026 a190
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