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<br /> `f'OC3GTH8� NITH all tlie i►npravc��unt�now c►n c�rcatter cr;,ctcd an��rf0}1CI'�,�i�i�Yl�n�cments, uppurt�nanGes, nnd �
<br /> fixtures nu�v or f�crcaRcr n tj:i�t of Ihc pro��crty. Ail rcplccenicnta nnd ndditions �hall nlso bc :ovci•cc1 ltiy this Sccurity �,,,�
<br /> Instrumemt,AU��f U�c foregoi�g�ti referrcd to i�z this Securlty 7nstrument as►he"PRaperty."
<br /> [lORROWCR COVF?NANTS that 13orrower is Inwfully sciscd of tt,�e estntc I�ercby corvcycc!and has thc rigl►t to gmnt and
<br /> convey the Pea�n:rty nnd Nu�t the Property Is unencumberaf, except for encumbrunre5 af recard. 13orrow�r wnrrants and will
<br /> d�Pcnd generully eha titte to Uie Pmperty ugulnst nll clnims and demunds,subject to uny cncumbrunccs of rccard.
<br /> THlS SECURITY INSTt2UM�NT cambincs uniform n�vcnants for nntionul uFC cmd nmruniform covznants with IimitcAl
<br /> vo.r(attons bv.iurisdictian to constitutc u u�iifu►�iu Ecc�ariry inhhu�ucnt covcring rcal pruperty. —
<br /> UNIFOR,M COVENANTS.&�rrowcr und LcnQer covcnant and ugrcc u�i�»iuw:. :
<br /> 1. Puymc�st ut Ih�lnclpal snd Intcrest; Prepwyment nnd Late Chprqes. Horrowcr sl�all promptly pay wlicn due thc
<br /> prlrtcipal of nnd Interest on the debt evidenced by tl�c Note nnd any prepayment and lute charges due under the Note.
<br /> 2. rl�nds for Tex�Wnd Insurwnce. Subject ta npnlicnble law or to u written wniver by Lender, 8orrower shuU pny to
<br /> [.ender on the day monthly paynxnts urc due undcr thc Natc,until thc Note is pnid in full,u sum("Funds")for:(n)ycarly taxes
<br /> nnci assessmc�ts which muy uttain priurity avej�this Securiry Instn�mcnt as n I�en on the Proj►crty;(b)yenrly leaschold puyn3ents _
<br /> or ground rents on the Property,if nny;(c)yeurly haznrd or properry insurance premiums;(d)yearly flood insuranee premlu►ns.
<br /> if any; (o)yenrly mo��tgage insurance prcrniums, if nny; and (� any Sums payable by Borrower to Lender, in accorduncc with
<br /> the provisfons of paragruph&. in lieu of the payment af mortgnge insurance premiums. These items nrc called"Escrow items."
<br /> L.erider may, at nny time. collect nnd hold Funds in nn wnount not to exceed the mwcimum amaunt a lender for a federnlly
<br /> related martgage loan muy require for Borrower's escrow nccount under the feclernl ReAI �stute�ettlement Procedures Act of
<br /> 197a os amcndcd from timc to time, 12 U.S.C. Section Z601 et seq. ("R�SPA"). unless another law that ap�lies to thc Funds
<br /> sats n I�sser amount. If su, L.ender mAy, at any time, collect and hold Funds in un amount not tu exceed the lesser amount. --
<br /> Lender may esNmste the umount af Funda due on the basis of cuerent datu and reusanable estimates of expenditures of future =
<br /> Escrow Items or otherwise in uccordance with applicable law.
<br /> Thc Funds shall l� held in an institution whose deposi�s are insurecl by u federai ngency, instn�mentality, or eatity
<br /> (including Lendcr,if Lendcr is such an institution)or in any Fcderal Home Loan Bank.'Lendcr shaU apply th�Funds to pny the
<br /> �scrow Items.Lender may not charge Bonower for holding and applying the Funds,annuaUy annlyzin�the escrow nccount,or
<br /> vcrifying the Escrow Items,wilcss I.cnder pays Borrower interest on the Funds and upplicublc lnw permits Ltndcr to makc such
<br /> n chsuge.However,l,ender may require Borrower to pay a one-time charge for an irtdependent real estate tux reportin�servlce
<br /> used by Lender in connection with this loan, unless applicable Inw provicies utherwise. Unless un agrer.ment is made or
<br /> applicublc luw rcyuires intcrest to be puid,Lender shall not be requircd to pay Borrower any interest or earnings on the Funds.
<br /> Borrower and Lender may agrec in writing, however,diat interest shall be paid on die Funds. Lender shull give to Borrower.
<br /> without churge, an annunl accounting of the Funds, showing craiits ana debics io ihe Fu,�d� n��d ti;��u��£a:::hicts e;.sh
<br /> debit to the Funds was made. The Funds are pledged as additional security for all suins secured by this Security Instrument.�
<br /> If the Funds held by I.ender exceed the:unounts permittc�d to be held by applicable law, Lender shal! account to Bono�ver
<br />� for the excess Funds in nceordance wid�the reyuirements af appllcuble Inw. Tf thc amount of the Funds held by L.ender at any
<br /> time is not sufficient to pay tho Escrow Items when due.Lcnder muy so notify Bonower in writing.und,in such case Bo�YOwer
<br /> shall pay to Lcndcr the amaunt necessary to make up the defic'sency. Horiower shall make up the deficiency in no more than
<br /> twelva monthly payma�ts,at Lender's sole discretion.
<br /> Upon paymcnt In PoII of all sums secured by this Security Instrument, Lender shall promptly refund to Bonower nny
<br /> Funds held by Lender.If,under paragraph 21, Lender shal!acquiro or sell the Property,I.ender,prior to the acquisition or sale
<br /> of the Property, shall npply any Funds held by Lender at the time of acquisition or sale as A cralit ugainst the sums secured by
<br /> this Security Instrument.
<br /> 3. Applkat[on of Pa�yments.Unless applicable!aw provides otherwise.all payments roceival by l.ender undcr paragraphs
<br /> 1 and 2 shall be applial: first,to any prepayment churges duc under thc Note;scwnd.tu wnounts payablc under parngraph 2;
<br /> thjrd,tu interest due;fourth,to pri�icipal due;and last,to any late charges due w�der the Note.
<br /> 4. ChArges;Liens.13orrower shull pay ull taxes, usscssments, charges, fincs and impositions uttributablc to the Property
<br /> which n�ay attain priority over this Security lnstrument,and leasehold payments or ground rents, if uny. Borrower shall pay
<br /> tlxese oUligations in thr,mnm�er provided in paragraph 2.or if not paid in thut manner. Bonower shuli pny thcm on time dirccdy
<br />• ta thc�cr�on otred psysnent.Benotaer sl�a!!�+mmndy furnish to Lender ull notiees of�unounts to�l�e patd under this paragraph.
<br /> If Borrower malces these payments directly,Borrower sitiall promptly furnlsh to L.ei�der receipts evidencing the puyments.
<br /> Borrower shall promptiy discharge uny licn w�ilh tias priority ovcr tl�is Security Instrument unless Borrower:(o)agrecs in
<br /> writing ta the payment of the obligation securod b�+the lien in H manner lcceptnble to Lender; (b)contests in good!aith the lien
<br /> by, or defends aguinst enforcement of the I�n in, Iegal proceedings which in the Lender s opinion operate to prevent the
<br /> enforCemcnt of the lien; or(c)�ecures from itic holder of thc licn an agreement satisfactory to I.ender subordinuting the lien to
<br /> this Security Instmmcnt. If l.ender dctermi'nes that any part of the Property is subject to n lien which may attuin priority over
<br /> tl�is Security Instrument, Lender may give Borrower u notice identifying thc lien. Borro�ver shall satisfy the lien or talce one or
<br /> more af the actions set forth above within 10 days of tho giving of notice.
<br /> Form 3028 8190
<br /> P�pe 3 016
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