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<br /> 96-� 103'72� ,
<br /> TQ��T�:E�!':'!TH»Il th��lmprnven=���!e aovu or I�ereaftcr erectccf un tite properiy,und uU casr.mcnts,appurtcnancca,nnd
<br /> iixtu�'es u�x•� n� hcreaRcr n part �F tl�e pr��periy. All �cplTCetncnts nnd ndditlnns shull idso I�e covereQ by this Securfty
<br /> InatitaiitcuL �II ni thc f��re�;oln�i����cf6ri•cd�a in�hir3 Sc��urlty Iir�trwncul mi thc"i�ro���rty,"
<br /> RQ[t[tQWGR�04�1?NANTS thnt finrrowcr Ix InwP�tlly selscil oP tlio cs�utc hc��cby antvcycd und I�t�s t{ic right t��grnnt nn�l ,
<br /> convey the Propeny aud that the Pro{x�ty Is wiencumbered. except 6i�r enciu►tihrunces uf'record. l3nrrower warrmus un�l will
<br /> dr,fcnd gcncrully ihc ddc to thc Fm(Krty t�Hnlnst all clnlots nnd dcntmxlh,Fun�ecS to nny cncumhrunres�f r�cor�l.
<br /> '1'HlS SECUl2(TY INS7'RUM�N'1'combincs unifi�mi covcnunte fiir nntto��ul u��and nnn-unifurm cavcnunis with limlted
<br /> varl.�tions 6y JurlsdicNon ro a�nsUtutc ti iu�ifnrm necurlty in5tnm�cnt cuvcring rcul prc�perty.
<br /> i1N1rUfiM CQV[:NANxS, ik�s�oslc�•an�I.cn�cr cnvenant and agrcc as follot���:
<br /> 1, Fiwyment a►i Princlpwl wnd IntereRt; I'rep�yment pnA t.ate CnnrRes. �sorra�vcr sni►ii prompiiy puy wi�c��uuo ti��
<br /> principal of nnd interest�m the debt evldenced by the Note nnd nny prepnyment and Inte clinrges due�mder the Nc�te.
<br /> 2.F'unds [or TAxes pnd Insurwnce. SubJcct ta upplisublc luw or to n writtcn wuivcr by Lcndcr, Barrowcr Fliull puy to !
<br /> Lender on thc day n�ionthly payments nre duc u��dcr thc Notc. unti!the Note is paid ln Pull,a sum("Funds")far:(t►)yearly rnxes
<br /> und ussessments which mny attnin prlority ovcr this Secarlty Instrument as a lien on die Property;(b)yearly Ieaselinld payments
<br /> ar ground rents on tho Property,if any;(s)ycarly huu►rd or properry lnsurance pretniums;(d)yearly flncxl iasurunce premiwns,
<br /> if nny;(e) yeerly mortgago insurance prcmiums,if any; and (� any rums pnyablc by Borrowcr to Lender, in acwrdancc with
<br /> the provtsions af paragruph 8, in licu of thc p�yment of mortgage insurnncc premiums. These items arc culled "Escrow It�ms."
<br /> Lender may, nt any time, collect and hold Funds in an umount not ta exceed the muximum umount a lender far a federully
<br /> ralateci mortgage loan may requirc for E3onowcr's escrow flccount under the fedeiul Real Estate Settlement Procedures Act of
<br /> 1974 as amended from timc to time. 12 tJ.S.C.Section 26Q1 et se�. ("RESPA"),unless another law that npplies to tha Funds
<br /> sets a lesscr mnount. If sa, Ia:nder muy, ut any time, wllect and hold Funds in un amount not to cr.cced thc lesscr amount.
<br /> L�nd.�r may estimate the lmount of Funds due on the basis of current duta und reasonable rstimates uC expe��dituras of futur�
<br /> F,crow Items..:othenvise in nccordance with applicuble law.
<br /> The Funds shall bc held in an institution whose depasits are insurr.d by a federal agency, instrumentality. or entity
<br /> (including Lender,if I.cndcr is such an institution)ar in any Federul Home.Loan Bank. Lcnder shall apply the Funds to pay the
<br /> Escrow Items. Lender may not ehazge Borrower for holding and a�plying the Funds,nnnually a�ialyzing the escrow account,or
<br /> verifying the Escrow Items,unless Lender pays Borrower interest un the Funds und applicable law permits Lender to make such
<br /> a charge. However, Lender mny require Horcowcr to pay a one-tlme chnrge for an independent re.�l cstate tax reponing scrvice
<br />: used by L.ender {n connection with this loan, unless applicable law provides otherwise. ilnless an agreem�nt is rr►ade or
<br /> applicablc luw requires interest to be patd,Lender shull not be requlred to pay Bonowcr uny interest or eamings on thc Funds.
<br />' Borrower and I.cnder may agrec in writing,hawever, thst interest shall be paId on the Funds. Lender shall give to Borrower,
<br /> without charge. an nnnual accountins of the Funds,showing credits and debits to the Funds und tfi�e purpose for which each
<br /> debit to the t'unas was mnde.��e Funas are piedged as addiiiunni sccurity ior u1i nu�iis:a:iiia"�vy 2�;��.-u�iiy ir.struzzs;,�i.
<br /> If the Funds he�d by Lender exceed the amounts permitted to be held by applic�ble law,Lender shall account to Borrower
<br /> for the excess Funds in accordance with tl�e requicements af applicable law. If the amount of the Funds held by Lender at any
<br /> ttme is not sufficient to pay the Bscrow Iterns wl�en due,Lender muy so notlfy Eiorrower�n wrttins,nnd. in such cuse Honower
<br /> shatl pay to L.ender the arnount necessary to make up the deficiency. Bottawer shall n�ake up the deficiency in no more than
<br /> twclve monthly payments,at I.ender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, i.endcr sliall promptly refund to Borrower any
<br />� Funds held by Lender. If,under paragraFh 21,Lendcr shall acquirc or Ecll thc Propcny,L,ender,prior to the acquisition or sale
<br /> of the Property.shall upply any Funds held by Le�xler nt the timo of ncquisition or sale ns a credit against tl�e sums secured by
<br /> , this Security Instrument. �
<br /> 3.Applicsttlon of Ps►yments.Unless applicnblc law provides otherwise,ull payments rec;cived by[.ender undcr paragraphs
<br /> 1 and 2 shall be appliod: first, to any prepayrnent charges due under the Note; second,to amounts payuble under paragraph 2;
<br /> third,to intcrest duc;fourth,ta principal due: and last.to any latc charges due under thc Notc.
<br /> 4.Cha�es;I.fens.}3orrower shall pay all taxes, assessme»ts, chargos, Cnes and impositions attributable to ihc Property
<br /> which mt►y Attain priocity over this :�ecurity Instrutnent, and leaseliold payments or ground rents, if pny. Borrower shal!pay
<br /> these obligationa in the manner provided in pnragraph 2,or if not pa�d in that mattner,i3orrowcr shall pay them on timc dircctly
<br /> to the person owcd paycncnt.Borrower shatl promptly furnish ta Lendcr sll noticcs of amounts to be paid under this paragraph.
<br /> 1f Laorcowe*makrs rhe.e rnyments direcdy.Borrower shall promptly furnish to Le�xler receipts evidencing the payments.
<br /> Borrower shall pro�nptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in
<br /> writing to the payment�f tl�e ob(igation secured by tlie lien in n manner acceptable to Lender;(b)contests in gooci fuith the lien
<br /> by, or defends ngainst enforcement of thc lien in, Iebal proccedings which in the Lender's opinian operate to prevent the
<br /> enPorcement of tt�e lien;or(c)securc•s from tl�e holder of the lien un agreement satisfactory to Lendcr subordinatin�the lien to
<br /> this Security Instrument. If l,ender determfnes that nny part of the Property is subject to a licn which may ait�in priority ovtr
<br /> this Security instrument, I.ender may give Borro�vcr u notice identifying thc lien.Boi7awer shall satisfy the licn or take onc ar
<br /> morc of tho actions set furth ntwvc within 10 days of thc�iving of noticc.
<br /> Form 3028 9190
<br /> P�pe 2 010
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