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<br /> TOOETHBR WITH nll the improvements now or hereaftec erected on the property.and al l ensements,appurtenances,nnd i
<br /> fxtures now oe hereafter a pnrt of the pmperry. AU mplacements and addltions �hail alsu be cavered by this Secudty �
<br /> Instrument.All of the foregoins is referred to in this Security Inswment os the"Property."
<br /> BORROWER COVENANTS q�ut Borrower is lawfully setsed of the estate hereby conveyed and has the risht to�cant and
<br /> convey the Property and d►at the ProPertY �s unencumbcrcd.eucept far eacumbrattces of record. i3orcower warrants and will ,__
<br /> defend generally the title to the Property against al!claims and demands,subject to any encumbr.urces of record.
<br /> TH1S SECUAITY INSTRUMENT combines uniform covenunts for national ase artd non-uniform covenants with lirtuted
<br /> vsulntions by jurisdiction to constitute a uniform securiry instrument cover�ng real pmperty.
<br /> UNIFORM COVENANTS.Borrower and Lettder covenant and agreE as follows:
<br /> 1. PaymeM of Prtnclpal aad Iaterest+ PrePayment and Late Charges. Borrower ehall promptly pay when due the
<br /> Ntiu�iNtil uf a.-z3 3�t:,r.,�t a�tk�d�s�'�s4�:cx:!►�;tti=H`�t°=nd Any pre�ayment and late char�es due under the Note. _
<br /> 2. Fwtds for Taxes sud Ir�rance. Subject to applicable law or to a wdtten waiver by Lender. Borrower shall pay to
<br /> Lender on the day monthly pa}�ments ure due undcr the Note.until the Note ia paid in full.a sum("Funds")for:(a)yearly taxes
<br /> nnd assessmenis which may attain priority over this Security lnsuument as a lien on the Pcoperty;(b)Year1Y leasehold payments
<br /> or$round rents on the Property.if any:(c)yearly hazerd or property tnsurance premiums; (d)yearly flood insurance premiums,
<br /> if uny;(e)yearly mortgage insurance premt�ms.�f ury:and(�a�►Y sums payable by Borrower to Lender. in accordance with
<br /> the pmvislons of patagraph 8.in itea of the payment of mortgage insutance premiums.These items are called"Escrow Items.'
<br /> Lender muy. at any time. collect aad hold Funds in an amount not to eaceed the maxlmwu auiount a tender for a fcderaily
<br /> related mortgage toan may re9uire fos Borrower's escrow a000unt under ttce federel Rea1 Estate Setdemeat Procedures Act of
<br /> 1974 us amended from time to time, 12 U.S.C.Section 2601 et seq. ("RESPA").unless another law that applies to ths Funds
<br /> seu a lesser emount. If so, Lender may. at any cime, cullect aud hold Funds in an amount not to excerci the lesser amount.
<br /> Lender may estimate the amount of Funds due on the basis of ciurent data and reasonable estimates of expenditures of funue
<br /> Escmw Items or otherwise in accotdance with applicable la�v.
<br /> Ttte Funds shstll be held in an insritution whose deposiu are insured by a federal ageacy. instrumentality. or entity
<br /> (including Lender.if Lender is such an insdtutioa)or in any Federal Home Loan Bank.Lender ahall apply the Funds to pay dte
<br /> Escmw Items.Lender may not char�e Bormwer for hotding and uppiying the Funds,annuallY �Y�S�e�MO�account,�r _
<br /> verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law pemuts Lender to make such
<br /> a charSe.However.I..ender may requlre Bomower to pay a on�time charge for an independent real estaie tax reporting serv[ce.
<br /> used by Lender in vonnection with this toan. uniess appIicable taw pruvic#i;.; Bi�iBiiti7bg. UiIIC^�S � 8$TC�a1CA! !3 S�L' 4F =
<br /> applicable law res��ires interest to be patd.Lender shall not be required to Qay Borrower any interest or eamings on'We Funds.
<br /> Borrow�r and Lender may agree in writing,however. that iniemst shall be paid on the Funds.Lender shali give to Borrower.
<br /> without charge, an annual acoountieE of the Funds.showipg credtts end debits to the Funds end the purpose for which each
<br /> debit to tne Funds was made.The Funds are ptedged as addidonal secwicy for atl suros secured by tl�is Securicy Instnunent. _
<br /> If tho Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall accoune co Borrower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by L.ender at any
<br /> time is not sufficiemt to pay the F.sccow Items when due,Lender may so notify Bomower in wri6ng,and,in such case Borrower
<br /> shali pay to Lender the amount necessary to make up tlxe deficiency. Borrower shall make up the de�sciency in no more than
<br /> twelve monthly payments,'at Lender's sole discm,tion.
<br /> Llpoa payment in futl of eil sums secured by this Securlry Insuument. Lender shall pmmptly refund to Borrower aay
<br /> Funds held by Lender.If.under ParaSmPh Z 1.Lender shall acqutre or sell the Propeny.L.eader,prior to the acquisition or sale
<br /> of tt!e Pmperty.shall apply any Funds held by Lender at the time of acquisttion or sale as a credit against the sums secumd by
<br /> this Security Instrument.
<br /> 3.Application ot Aayments.Unless applicable law pmvldes otherwise,all payments received by I.ender uader pa�agrapbs
<br /> 1 and 2 sha!!be applied: first.w any prepaYment charges due under the Noto;second,to amouats payable under paragraph 2:
<br /> third,so interest dne;fourth.to principal due:end last.to any late charges due under the Note. •
<br /> 4.Charges;Liens.Borrower shall pay all taxes,assessmints.ci�as8es. Mes at►d impasiaons atMbutabte to the Propercy
<br /> which may attain priority over th3s Security Instrument. and leasehold payments or ground rents. if any. Boaower shall pay
<br /> these abligadons in tfle roanner provided in paragraph 2.or if not paid in that manner,Borrower shall pay them on dme directly
<br /> to the person owed payment.Borcower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
<br /> I�Borrower makes these payments dicectly,Borrowe�'shall prompt�y fumish to Lender receipts evideacing the payments.
<br /> Borrower shall promptty discharge ai►Y lien which has priority over this Security Insaument unless Borrower:(a)agrces in
<br /> writing to the payment of the obligation secured by the lien in a manner accepiable to Lender. (b1 oontests in�ood faith the lien
<br /> by.or defends against enforaement of the liea in, legal proceadings which in the Lender's opinion operate to prevent the
<br /> enforcement of the t[en;ur(c)secur�s from the holder of the lien an agmzment sadsfactory to Lender subordinating the lien to
<br /> this Security Instnunent. If Lender determ[nes that any part of the Property is subject to a lien which may attain priority over
<br /> tflis Security Instru�nent. Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of nodce.
<br /> Form 3Q28 8190
<br /> Pege 2 W 9
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