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<br /> 'i'�ETHER WITH all the Improvcmentc aow or hereafter ertcted on the prop�tty,and all l��naaces�u�d
<br /> fixtures now ar hereaRer a part of the pmperty A11 replacements and additlons ahalt also be cover� by thls 5ocurlty
<br /> Instn�ment.All of the foregoing is referred to In th[s Security Insmiment as the"Praperty."
<br /> BQRROWER COVSNANT6 tbat$arrower ia lawfully seised of the estnte hereby conveyed and has the r�ght ro Srant and
<br /> convey the Praperty and tbat the Property ia unencwnbered,except for encumbraaces of record. Borrower waizants end w�li
<br /> defond geasrally the title to the Property agc�inst al!claims end demanda,aubject to any encumbrances of record.
<br /> THIS SECiJRITY INSTRUMENT aareibines uniform covenants for national use cnd nan•uaiform covenants wlth limtted
<br /> variati�ns by jurisdiction to constitute a unlform security instrument covedag mal property.
<br /> UNIk�ORM COVENANTS. Barrower and Lender covenant and agree as followe:
<br /> �i. Yeymeat of Y'rinctpstl and Interes3; Prepayment and Lute G`iia�es. Borrower shalt prompttY paY wi�C,i d-.0 tt�a
<br /> principal of and interest on the debt evidenced by the Note and any ptepayment and late charges due uuder the Note.
<br /> 2.�ads for Tnxes and insurance. Subject to applicable law or to e wrttten waiver by Lender. Horrower shail pay to
<br /> i,ender on tha day manthly payments are due uader the Note.until the Note is pa�d in full. a sum("Funds")for:(a)yearly taxes
<br /> and assessments which may attain prtor�ty over this Security Instnrment as a lien on the Ptoperty: (b)yearly leasehoid paymeats
<br /> or graund rents on the Property,if any;(c)yearly hazard or pmperty insurance premiums; (d)yearly flood insurance pnmiums,
<br /> ,,�.�';, If any; (e) yearly mortgage insurance premiums, if any,;and(� any sums payable by Borrower ta L,ender, in accordance with
<br /> � ,�`� the provisions of paragraph 8. in lleu of the payment of mortgage insurance premiums.T'hcse Items are called"Escrow Iteras_"
<br /> ���
<br /> L.ender may,at any dme, collect and hold Funds in an amaunt not to exceed the meximum amount a lender for a federally
<br /> related mortgags loae may requlre for Borrower's escrow account under the fedetal Real Estate Settiement Procedums Act of
<br /> 1974 as iur►eude�l from time to dme, 12 U.S.C.Sectian 2601 et seq. ("RESPA"),unless anothcr law that applies to the Funda
<br /> aets a tesser amount: If so. Lender may,nt uny time, cotlect snd hold Funds!n an emount not to exceed the lesser amouat.
<br /> I,ender may estimate the amount of Funds due on the basis of curtent data and reasonable cst�[aates af expenditures of funtre
<br /> Fscrow Items or otherwise In accc�rdance wtth applicable law.
<br /> The Funds ehall be held In an inst�tution whose deposits are insured by a fefleral a�ency, ins[rumentaliry. or entity ,�;'
<br /> ~ (including Lender,if Lender is such an institutlon)or in any Perleral Home Loan Bank.Leader shalt apply the Ftu�da to pay the �
<br /> "'��'f:�":";� Escrow Items. Lender may not charge Borrower for holdin�end applying the Funds. annually analyc�ng the es�TOw account,or ',;�`;i
<br /> � ., verifying the Escrow Items.untess Lender pays Bonower Interest on the Funds and applicable taw permits L.ender to make such �"''�
<br /> ;';'s,:
<br /> , r a charge. However. I.ender may rec{uire Borrower to puy a ane-time charge fur an Independent real estate tax reporting service y;r;q
<br /> � '�' •+,. • used by Lender in wnnection with this loan, unless applicable law provides othervvise. Unless an agreement is made or -''
<br /> '" licable law uires interest to be aid, Lender shall not be uired to a Borrowet an imerest or eemin s on thc Funds. �'
<br /> '„ry �,i�,, aPP� �9 P �1 P Y Y b J
<br /> �. i�;�.�,.,, Botrower and I.ender may agree in writing. however. that interest shall be paid on thc Funds. L.endcr shell give to Borrower, ,•'��,
<br /> . :' • " w�ltl�out chargc, ars anaua! �xoansing of she Fands. Shotiving rTt�lts � de�+it� to the Fund�and the rnrs+�cP f�r which es��h
<br /> � ��y a�y q��.�.rr: debit to the Funds was made.The Funds ere pledged as addidonal securlty for ali sums secured by this Secudty Instrument. ,"�,:
<br /> �''��;:;'.i"'z,'��"• If the Funds held by Lender excee�the amounts permitted to be held by applicable law. Lender shall account to Borrowet �'.?��"
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<br /> � r��.';'�:��,-: ;... for the excess Funds in accordance with the requtrements of appticable law. If the amount of the Funds held by Lender at any
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<br /> - ��-''`i�,';'''�^r`-'• tirae is not suffcient to a the Escrow Items when due,Lender may so notify Borrower in writing,end,fn such case Burrowet
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<br /> �r.:,.uw�'A::�.; ahall pay to Lender the amount necessary to make up the deficlency. Borrower shall make up the deficiency in no more than
<br /> �{�^�i��v��`�+' twelve monthly paymenu,at L.ender's sole discretion. ' '`
<br /> �''e'�t'..
<br /> � Upon payment in full of all sums secured by this Security Instrument. Lender shall promptiy refund to Bonower any ' �
<br /> � �=-'%�"V�• ° � Fuads held by Lender. If,under parasraph 21, Lender shall acquite or sell the Property, Lender,prior to the acquisition or sale '
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<br /> .,�..ti of the Property.shall apply any Funds held by Lender at the dme of acquisftton or sale as a credit against the sums secured by .
<br /> this Secudty Instrument.
<br /> � � 3.ApplicaUon of Payments.Unless applicable law provides otherwise,aU payments received by I.ender under paragraphs
<br /> 1 and 2 shali be appljed:first,to any pmpayment charges due under the Note;second,to emounts payable under paragraph 2;
<br /> third.to interest due;fourth.W principal due;and last,to any late charges due under the Note.
<br /> '. 4.Chacges=Llens.Borrower shall pay all taxes.assessments, charges, fines and imposittons attributable to the Property
<br /> � �,� which may attein prIor�ty over this Securlty Instrument, and leasehoid payments or ground rents. if any. Borrawer shall pay
<br /> '`''��,,�.:�, these obligadons in the manner provided in paragraph 2,or if not paid in that menner.Borrower shall pay them on dme directly •
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<br /> '`F�°"--�`•'�''� to tAe rson owed a ment. Borrower shall rom tl fumish to Lender all notices of emounts to be �d under this ara ra h.
<br /> ' � �.�t':;:...; •.•-. � Pe P Y P P Y P� P S P ,.
<br /> If Borrower makes these payments directly. Borrower shall promptly fumish to Lender receipts evidencing the payments.
<br /> Borrower shall promptly discherge any lien whIch has priority over this Security Instrument unless Borrower:(a)agrees in
<br /> ..,w;` �. �` wridng to the payment of tbe obligation se�ured by the lien in a manner acceptable to Lender; (b)contests in gaod faith the lien
<br /> '' ''� by. or defends against enforcement of the lien in. legal proceedings which in the Len�er's opinion operate ta prevent the
<br /> .t;.,. . ,
<br /> �;.:.-; �� enforcement of the lien;or(c)secures fmm the holder of the lien an agreement satisfactory to I.ender subordinating the lien to
<br /> . .;7::�;:..•' thia Security Instrument. If Lender determiaes that any part of the Property is subject to a lien which may attnin priodty over
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<br /> =' ;K�:..;:, thls Security Insuument.Lender may give Barrower a notice identifying the lien. Borrower shall satisfy the lien or take one or
<br /> "w� ��`-`�•'-� '��� more Qf U�e actions set forth above within 10 days of the giving of notice.
<br /> sx�'�..`, ,� r�l.
<br /> fi" � • '.. '.�. : Form 3028 9190
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