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<br /> TO(iETHER W1TE{nl) the improvanents now or hereaftcr ereaed on the preperty,cu�d a11 easemente.uppurtcttancea.and
<br /> - fixtueey now �� tsereaRer n purt �if the pmpetiy. AU replucements ar.d additlons shall c�l.sc► i� cover� by thls Se.curity
<br /> Instrument. All af dte fnregolnB is rcfcrred to in this Sccurity Instrum�nt nK the"Froperty."
<br /> BQItROWER CQV�NANTS thut Donowcr iK Inwfully sei�d af th��:stntc hcrcby cUnvcycd und has tho right to grant cuxf
<br /> convey the Proyerty and thr,t the Prop�;cty is unencumts�rai,oxcept for encumbrunces af record. Aorrawer wnrrants and will
<br /> defend genemily tho title ta the Property a ainst nll claims and demunds,�ubjcct t��any encumbrunccw of record.
<br /> THIS SECURtTY INSTRUMENT�mbines ur�lfotm covenante far natianal use arni non•uniFurm�bvetu►nte w�th limited
<br /> vael:,tiuns by Juelsdlction ro cfln�titutc a unlfortn secudty lnstn�nnen�rnver�n�renl pmparty.
<br /> UNlPORM COVBNANTS.Aam►wer und I.endcr covetwtt und Agtee us follows:
<br /> d. �ayment of P�incipnl ancl Interes� Prep�yment ond I.�te Clwrges. Barrowcr shnll pramplly pay when duc the
<br /> pdnclpul af nnd intcrest an the debt evidenccd by the Note und any prepaymcnt ursd Inte chur�es dao under thc Note.
<br /> Z.Funds tor Taxes and insurance. Subject to npplIcable Inw or to a written wulvcr by I.ender. Barrower shall pay to
<br /> Lertder on the duy monthly payments ure due under ehe Note,undi the Nate is patd in full.u sum("Funds"1 for:(a)yearly taxes
<br /> and pss�sments�vhich n�ay attain prloriry over thia Security lnstrument ps a lien an the Property;(b)yearly lcasehald pay�sxnts
<br /> or ground renta an the Praperty. it uny:(c)yearly hazard or pnoperty insurance premiums:(d)yeurly flood inswana premium9,
<br /> if nny; (e)yearly martgugc insurancc premiums.if any;And(�a��y surus payable by Borrowcr to Lender.in acoordunce with
<br /> the pravisions of pamgraph 8,in lieu of tho payment af martgage iasurartce premiums.Thesa items nre called"Exrow I�ems.°
<br /> Lender mny.at any time, collect and hold Fwids in an umonnt not to exceed the maxlmum amourtt u lender for A faierally
<br /> related mortgage lonn may requirc for Bornnwer's escmw account under the federal Real Estate Seutement Procaduns Act of
<br /> 197A as umended from time to time, 12 U.S.C. Sectlon 2601 et seq. ("RESPA").uNess another luw that applir�to the Funds
<br /> sets u tesser amount. ➢f so. i.ender may. at atry time,rnitect and hold FuuJs Iu w�a�i�ount noi to eacrzed the lesser au�Awrt.
<br /> Lender may estlmute the umount of Fur.ds due on thc basis of current datu and reasonable est�mates of eapendltures of ti�ture
<br /> Escrow Items or atherwise in accordar►ce with applicable law.
<br /> The Funds sitall be held in an institudon whose deposits cue Insureci by a federal agency, insuumenwlity. or entity
<br /> (including Lender,if Lender is such an Institutiun)or in any Fe�erel Home Loan Bank.Lender ahull appiy the Ftu�ds to pay the
<br /> Escrow Items. Lender may not charse Borrower for hotdinq und upplying the Funds.annuaUy analyzin� the escsow nccount,ar
<br /> ver�fying tha Escrow Items.unless Lender pays Borrower interest on the Funds and applicable!aw permits L,crnder to make such
<br /> a charge. However, Lender may re�uire Borrower to pay a one-tlme charge for an indepe.ndent t+eal estate twt reporting servio�
<br /> used by Lender in ca�ection wlth this loan. unless applIcable law provides othenvise. Unless an ugreement is made or
<br /> ' upplicable latv requires interegt to be paid. I.e.nder shall rtot be requlred to pay Borrower any interest or c�rnings on the Fw�ds.
<br /> ��'''' ' Bomower and I..ender may ugrce in writin�.however,that interest ahall be paid on the Funds. Lender shall give to Borrower,
<br /> wi�ouc chacge. an annual awuun6ng of i�ic Fu�nl�, SY��W�fl�CR�IiS�3v'�Y�i.S 28 2hG FiftiilS�iC i�FC���t iB�C�i i�t
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<br /> " � debit to the Funds was made.The Funds s�ne pledged as additional security for all sums secural by this Security Insuument.
<br /> ..�;r�r;,, �. ��. � If the FuRds held by Lender excesd the amounts pe�mitted to be held by applicable luw.I.ender shaU account to Borrower
<br /> . �:.t�� ;.�' _. for the excess Funds in accordance with the requirements of appltcable law. If the amouat af the Funds held by i.etider st any
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<br /> ,:�r. time is not sufficient to pay the Escrow Items when due.Lender mny so notify Borrower in wridng.and. {n such case Borrowar
<br /> �t �'�:'�'�•��-f��•� s6a11 pay to Lender the amount necessary to make up the defciency. Borrower shall make up the deficiency in no more than
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<br /> + � • �`�" �` twelve monthly paymenu.at Lender's sole diccretlon.
<br /> '�'M�'t^`' Upon payment in full of all sums s�cured by this Securiry Instcument, Lender shall prompt}y refund to Borrower eny
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<br /> ''���i,�is�,.u�,' '° Funds held by L.ender.If,under puragraph 21,Lender shall acqnire or sell the Property.Lcader.prior to the r.cquisition or sale
<br /> �.���'�:-+:��'' of the Property.sh�ll apply any Funds held by I.ender at the time of aequisirion or sale as a eredlt against the sums securec!by
<br /> �� �"���'� this Securtty lnstrument.
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<br /> �*.s, 3.Applicadon of Peyments.Unless applicable law provides otherwise.atl payments c�eceived by i.ender under paragrapha
<br /> Y'��'�'��`� I artd 2 shall be a lied:first, to an re ment chtu es due under the Note; second.to amounts a able undor h 2;
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<br /> F�v.�,�,w...,.•�w•, third,to interest due;foucth,to q�rincipal due;und last,to any late charges due under the Note.
<br /> .:,�:��,:, "� • �•� • 4.Charges;Ltens.Bonower shall pay all taxes,assessments.eharges. fines and imposittons attrlbutabte to the Property
<br /> �` "'� ' '' "� which ma attaln rIorit over this Securi Insmtment, nnd leasehold a ents or round rents. if an Borrower shall
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<br /> �.;,, • these ubligations in the manner provided in pamgrnph 2,ar if not paid in that marmer.Borrower ehatl pay them on dme directly
<br /> � ' to the person owed payment. Borrower shall promptly tiirnish to l.ender all notices of amounts to be paid under RhLs patagraph.
<br /> ' � ff Borrower makes these payments dlrectly, Borrower�hell promptly furnish to Lender receipu evtdencing the payments.
<br /> w...''' ' Borrower shnll promptly discharge uny lie�which has priodty over this Security Instrument unless Borrower:(a)agrees in
<br /> � . � writin�to the payment uf the obligution securcd by the lien in a manner acceptable to Lender;(b)contests in$ood falth the lien
<br /> :�` . by, or defends aguinst enfonement of the lien in, tegal proccedin�s which in the L.ender's opinian operute to prevent the
<br /> '' 4''" � enforcement of the iien;or�c)secums from the holder of the lien un agreement satisfactory to Lender subordinating the lien to
<br /> �^. ° this Security Instrument. If Lender determines that any pan of the Pmperty is subject to n lien whtch may attain prior[ty over
<br /> ° thls Security Instrument, Lendcr mny give Borrower u notice identifying the lien. Borrowcr shall satisfy the lien or take�ne or
<br /> mot+e of tite actions sct forth ubove�vithin 10 days of the giving of notice.
<br /> � �� Form 8028 8190
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