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<br /> TOGETHER�VlTH uU the improvements now or hereafter erected on the property,and allg6 ment���r��s� und =
<br /> � fixtures now oi' hercafter n part of the prop�rty. Ail replacements and ndditions shall also bc cuvered by this Security -
<br /> - Instrument. AU c�f thc f'orcguin�;iti rcfcrrul w in thi4 Security Instrumcut us the"i=roperty." ��
<br /> � BORR0INEFY COVENANTS d�at Borro�ver is lawfully seiscd of the estate hereby conveyed and has tlie right to grnnt and -
<br /> ` ���" convey die Pmpeny und that thc Fru�;i:►ty is u;�e��cum8ercd, ezc:,pt fr.r cncumbra�ues pf recard. �orrower w��rnnts nnd will _
<br /> � t°� � defend�ener�lly the tide to the Property against nll claims nnd demunds.subject to nhy encumbrances�f recard. _
<br /> -�,t�' :'�� THIS SF.CURITY INSTRUMP.NT combines uniform covenants for nutionoJ use and non-unifann covenants with limited -
<br /> varintiiins by jurisdiction to constitutc a uniform security instrument covering real propr:rty.
<br /> ' ' UNINUFtM CUV�NAN'1'S�. dorrower and Lender wvenant nnd agree as fallows: •
<br />"'"-`"��'�`��' 1. �'ayment of Pri�xipal and Intcrest; Prepayment und Lute Charges. Horrower shall promptly puy when due the
<br />�"'!��`i'� principal of nnd interest n�i the debt evidenced by the Note nnd any prepayment und late charges due under the Note.
<br />- W,•,�. .
<br /> - - 2. Funds �or Tax�.w pud Insurance. Subject to applicable Isw or to a written waiver by Lender, Borrower shall pay to
<br /> _= I..ender on the dny monthly payments arc due undcr the Nate, until the Note is paid in full,a sum("Funds")far: (a)ycudy taxes
<br /> �I`.u� and assessments which niay attain priority over this Security lnstrumen[as a lien on the Prope►ty;(b)yearly leasehold payments
<br /> �,�.•..::,: � or ground rents on the Property,if nny;(c)yearly hazard or praperty insurnnce premiums: (J)yearly(lood insurauce prenuunu, °
<br />'�'�'�`�� if any; (e) ye.lrly mongnge insurance premiums, if any; and (�any sums payable by H�rrower to Lender. in accordancE���ith
<br /> ;,i,;�,X,.,�`
<br /> 't �~�• die provisions of parn��ph 8, in lieu of the payment of mor4gage insurance premiums. These itenu are called "Escrow Ite.ms."
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<br /> �:���,��{ Lender may, at any time, collect and hald Funds in an nmount not ro exceed t(ie maximum amount u lender for a feclemlly
<br /> Y '��`':;�"��; related mort�age lo;vi may require for Bonower's escrow ac:count under the federal Ideal Estnte Settlement Procedures Act of
<br />������A=�+� 197A as amended from time ro time, l2 U.S.C. Section 2601 er sey. ("RESPA"),unless another law that applies to the Funds
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<br /> ���-i*�� sets u lesser amount. If so, I.ender muy, st uny time, collect und hold Funds in an amount not ta excoed the leaser umc�unt.
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<br />_,����;��� Lender ma,y estimate the amount uf Funds due on the bnsis of current data and reasonable estimat�s of expenditures of futuve
<br /> -= Escrow Items or otherwise in accordance with applicable law.
<br /> ;.-��,T=•-�- -
<br />_-�_�;;:.�1� The Funds shull be held in un institutioii whose depc�sits are insured by a federal agcncy, instiumentality, or entiry
<br /> m°-,�,""''" (including Lender,if Lender is such An institution)or in any Fedaral Hon�e l.oan Bank.I.ender shall apply the Funds to p:►y d�e
<br />.a�i;,�'�� Escmw Iteins. F..ender may not charBe Barrower for holding and applying the Funds, annually analyzing the escrow uccount,or
<br /> - _ verifying the Escrow Items,unless Lender pays Borrower interest an the Funds and applicable law permits L.ender to make sucri
<br /> : -_��?� n churgt. Ho�vevcr, Lender may require Borrowc:e to pay u one-timc charge for an independent rcal estate tnx reporting scrvice
<br /> - : used by Lender in connection with this loan, unless applicable law provides athenvisc. Unless an ugreement is made or
<br /> =v'"� applicable law requires interest to be paid, Lender shall not be required to pay Borrmver any interest or eurnings on the Funds.
<br /> Borrowcr and C.ender may agree in writing, howevcr, that interest shall be paid on the Funds. Lender shall give to Borrower,
<br /> ----- - wid�out chargc, an annual accounttng of thc Funds, showin� crulits and dcbits W thc Funds and the purposc for which rach
<br /> ___-—_= debit to the Funds was made.The Funds are pledged as additional security far all sums secured by thls Security Tnstrument.
<br /> __-,�._� If the Funds held by Lender exceed thc umounts permitted to be held by applicuble law,Lender shuil acwunt to Bonower
<br /> ---- for the excess Funds in accordance with the requirements of applicable law. If the smount of the Funds held by Lender at any
<br /> -=�� time is not sufficient to pay the Lscrow ltems when due,L.ender may so notify Bonower in writing,and,in sucli c��se�onower
<br /> - sha)I pny to I.ender the amount nece.asary to make up the deficiency. Borro�ver shall make up the deficiency in no more than
<br /> --- twelve mnnthly Z�ayments.at L.cnder's sole discretian.
<br /> - Upon paymsnt in full.of all sums secured by this Security Instrument, Lender shall promptly re;und to Horruwar any
<br /> - -- Funds lield by Lender.If,under purngrnph 21,I.ender shall acquiro or sell the Propeny,Lender,prior to the acquisition or sale
<br /> ���� of the Property, shall upply uny�Funds held by I.ender at the time of acquisition or sale as a credit against the sums secured by
<br /> this Security InstrumYnt.
<br /> — 3.Applicstton ue Payments.Unless applicable law provides otherwise,all payments received by Lender under paragraphs
<br /> t nnd 2 shall be applied: first, to any prepayment charges due under the Note; second,to amounts payable under paragraph 2;
<br /> _ third,to interest due;fourth,to principa!due;and lest,to any late charges due under the Note. __
<br /> = A.Churges;Lien9. Bonowcr sh�ll pay all taxes, assessments,charae5, 6nes und impositions attributable to the Property
<br /> ------� �rhich may attain priority ovcr this Sccurity Instrumcnt, and Ieasehold paymcnts or ground rents, if uny. Horro�ver shall pay
<br /> _ these obligutions in the manner providcd in paragraph 2,or if not paid in that macmer,Borrower shull pay them on time directly
<br /> ___ to the person owed payment.Borrower shnll p�bmpdy furnish to Lendcr all notices of amounts to be paid under this paragraph.
<br /> - If Borrower makes these payments directly,Borrower sha11 pramptly furnish to L.ender receipts evidencing the paymants.
<br /> Borrower shall promptly discharge uny lien which has priarity over this Security Instrument unless Borrower:(a}u�rcea in
<br /> writing to the paymen4 of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> = by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate tn prevent the
<br /> — enforcement of the lien;a•(c)secures from the holder of the lien an agrecment satisfnctory to I.e.nder subardinating the lien to
<br /> this Security Instrument. [f Lender determines that any�part of the Property is subject to a lien which muy attain priority over
<br /> - this Security Instrument, Lendcr may give Borrower a notice identifying the lien.Bonowcr shall satisfy thc licn or tlkc one or
<br /> more of the actions set forth above within LO days of the giving of notice.
<br /> - _ Form 3028 9190
<br /> Pede 2 ot 0
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