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<br /> �'0(i{?'1'19Nli�'llTli nll tl�c improvciiicntr now an c�roaf'tcr ce�cted an thc peopanY, cm n cascmcnt�, ❑ppurtenunccs, nnd �_
<br /> i'Ixtu�cy iiaw un c�rcn(tcr u part uf Ih� propc�'ty, All i•c�lnccmcitts und nddiU�my �;holl niso hc n►vcrecl hy thfs ticct�rlty �.
<br /> Instrumcnt. All cif'tlic furcguin�Is rcfcrrcd to in this Sccurity In,trumcnt ns thc "Pr��perty." _
<br /> I3QRRn'N�'R CUVLNAN'I'�thnt tiorrowcr in IuwfuNy nciscd of thc cstntc I�creBy canvcycd nnd luis tltc right tn gri�nt nnd
<br /> convey ti►c Nrn4xriy iuid thut tlic {'ropcny is unencumhercd, exccpt f'or encumbrancc� ��f reccird. Bnrriiwer wnrrnnts nnd wili --
<br /> dcfend gcncrnlly dtio Utle to thc Pro�rty nguinst«II clnims nnd�lemands, subJect tn iuiy encumbrnnces of record.
<br /> TWIS S(?CQIRITX INSTRUMLNT coinhinew unifann cav�nant�;for nntionnl us�uncl non-unifiirm covemu�ts with limited Y
<br /> �.,.,,,«. �.�;�a,�;�,�„t,����msii�utc n wiiform sccurfty Instrumcnt cuv�riug��ri�l p►•opc�iy. .
<br /> r����"UNIFURM COVENAN'1'S, Borrowcr und I.cndc�r cavennnt and i+grcc ns tolrows:
<br /> 1. Payment ot Princlpal ae�tl Intcrest; PrepAymc��t nnd Lute Chnrgc.v. Barrowcr shnll promptly pay �vhcn duc Ihc
<br /> principal of nnd intcrest an the dcbt evidencecl by the Note und uny prcpayment und late chargcs duc imder the Notc.
<br /> 2, i�'unds tor Taxes attd Insurnnze. Subject to applicablc In�v ar to a writtcn wuiver by Lender, Qorrowcr shs►Il pay to
<br /> Lendcr on the day munthly payments are due under the Note,until the Note is paid in full,a swn("Fu�ear, Icaseho d aymc ts �.
<br /> and ussessmcnts which may attain priority over this Security Instrumcnt as a lien an thc Propert��b)flp�insurance emiums.
<br /> or ground rents on the Property,if auy; (c}yearly hazard or property insurance premiums:!d)y y P �,
<br /> if any; (c)yeur�Y mort�nge insurance premiums, if any; and(�any sums payable by Borrower to Lender, in accordacce with
<br /> the provisions of paragraph 8,in lieu of the payment of martgage insurAnce premiums. These items are calted"Escrow ttems."
<br /> Lender may, at any time, collect uad hold Funds in an amaunt not to exceed the maximum a�nount a lender far a federully
<br /> • related mortguge loan may require for Bonower's escrow accaunt under the feiteral Real Estate Settlement Procedures Act of
<br /> 1974 tts amendcd from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless enother law that applies to the Funds
<br /> sets t►lesser amount. If so, Lender may, at any time, collect and hold Funds tn an amount not to excecci tl�e lesser amount.
<br /> Lender may estimate the amount of Funds due on the basis of current data and reasonable esdmates of expenditures of fiiture
<br /> Escrow Items or othenvise in accordance with applicable law.
<br /> The Funds shall be held in an institution whose deposits are insured by a federal ugency, instrumentality, or entity
<br /> (including I.ender,if Lender is such an inseitution)or in any Federal Home l.oan Bank. Lcnder shall apply the Funds to pay the
<br /> flscrow Items. L.ender may not charge Borrower for holding and applying the i'unds,nnnunl�y anulyzing the csGrow accouat, or
<br /> verifyin�the Escrow Items, unless Lender pays Borrower interest an the Funds and applicable law permits Lcnder to mnke such
<br /> n charge. However.Lender may require aorrower to pny a one-time charge for an independent rcal estnte tax reporting service
<br /> used by Lender in connection with this loan, unless applicable law provides atherwise. Untess :ut agreement is rrtade or
<br /> applicable lctw requires interest to be paid, L,ender shall not be required to pay Bonower any interest or earnings on the Funds.
<br /> 8��;:,:�c;;.r.s3 Lrr.�PT may aaree in writin�,however, that intcrest shall be paid on the Punds. Lender shall givc to Borrower.
<br /> without charge, an annual accountin� of the Funds, showtng credits and debits to the runas and ii�C pu�N�s�f�r •::hich^.�h •
<br /> debit to the Fonds was made.The Funds are pledged us additional srcurity for all sums secured by this Security Instrument.
<br /> If thc Funds hcld by L.ender excecd the amounts permitted to be held by applicable law,Lender shall account to Bonower _
<br /> for the excess Funds in accordance with thc requirements of appticable law. If the amount of the Funds held by l.ender at any
<br /> timo is not sufficient to pay the Escrow Items when due, Lender may so notify Borro�ver in writing,und,in such case Borrower
<br /> sl►all pay to Lender thc amount necessary to make up the deficiency. Bonowcr shall mai:e up the deficiency in no more than
<br /> twelve monthly payments, at Lendeti•'s sole discretion.
<br /> Upon paymcnt in full of all sums secured by this Security Instrument, I.ender shall pramptly� refund to Borrowcr any
<br /> Punds hcld by Lender.If, «ndcr�unds hcld b� [.ender tathc dme of acqu'is ti nropr sa e�aIs a crrcdi a�atnst the sumstsecured by
<br /> of the Property, shali apply any Y
<br /> this Security Instrument.
<br /> 3,Appiicatfon oi Paymenu.Unless applicable luw provides othcrwise,all payments received by Lender under psragraPhs
<br /> l and 2 shall bc applied: first, to nny prepayment clinrges due under the Note;sccond, ta ttmounts payable under parugraph 2;
<br /> third,to interest duc;fourth,to principal due;and last,ro nny late charges due under the Note.
<br /> 4. Charg�es; Llens. Borrowcr shall pay all taxes, assessments,churges, tines and impositions attributaCle to ttie Property
<br /> whtch may attntn priority over this Security Instrument, and leasehold pnyments or sround rents, if uny. Borrower shall puy
<br /> these obligntions in the manner provideci in paragmph 2,or if not paid in that masiner,Borrower shnll pay them on time dicecdy
<br /> �__.._..... 0...«..+.o�chnll�r�n,ndy fi�rnish to Lender all notices of amounts to be ptid under this paragrapl�•
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<br /> If Bormwer makes tltese payments directly,Borrower shull promptly furnish to Lender receipts evidencin�the payments.
<br /> Honower shali promptly discharge any lien which hns priority over this Security Instrument unless Bnrrower: (a)agrecs in
<br /> writing to the p�yment of the obligation secured by tl�e lien in a manner acceptable to Lender;(b)conYCSts in good faith the lien
<br /> by, or defends ugainst enforcemcnt of thc lien in, legal proceedings which in the Lcnder's opinion operatc to prev�etlt thc
<br /> enforcement of the lien;or(c) secures from tlie holder of thc licn an usreement satisfactory to I.ender subordinacing the lien to
<br /> ti�is Se:curity Instrument. If Lender detcrmines that nny pan of the Property is subject to a lier► which may attain priority over
<br /> this Securiry Tnstrament, Lender may give Borrower a notice identifying the lien.Bonower shall sntisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the�;iving of notice.
<br /> - Form 3028 9190
<br /> PaCo Y of 8
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