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<br /> TOf36TH6R�VITH all thc improveme�ts now or hereafter err.cted on the property,and all easements, appurtcnanses, and
<br /> fixtures now ar I�ceeattc•r a pai•t of thc prapwrty. All rcplaaements and udditzons shull nlso be c�verecl by this Security
<br /> Iustrument.All af thc forcgoin�is rafcrrc�!to in this Sccurity Instrumcnt ns thc"Property." �,�;
<br /> BqREtOWER COVEIVANTS Ihut Borrower is lnw[ully seisul of the estate hereby corrveyul i�ad lias the right to grant nnd =__
<br /> convey the Propercy and thnt the Pr�p�rty is unencumbered, except i'or encumbrnnccs af record. Harrowc�• wnrrnnts and will
<br /> (]cfe�ui gcncrally dic title to tiic Propc:rty asninst all claims und demflnds.subject to nny encumbrnnces of record. _
<br /> T,���egrU�lTy tNS'�RUMBNT combines unifarm covenants for national use and nm�-unifnrm covennnts with limited
<br /> vnrintions by.iurisdiction ta consdtutc n uniform security instrument covering nesd pruperty. _
<br /> .,.n���niu�nyr�n(aNTS.Bnrrowcr nnd Lcnder covcnant nnd ag►�ee ns follaws: -
<br /> •I�\��v�w.� ar.�
<br /> 1. PAyment of Principal and Interest� PrepaYment snd I.ute �harg�. tiorrower shaii pru�►►Nt,y Nai uh�:. due :h�
<br /> principa!of nnd interest on die debt evldenced by the Note und any prepayment ar�d lute charges due under the Note.
<br /> 2.Ft�nd9 for Taxe� pnd Insurance. 5ubject to applicnble law or to a written wniv�r by Lender. Borrower shall pay w
<br /> i,euder on thc duy nionthly payments are dua under tiic Note,until thc Notc is puid in full, a sum("Funds")far:(a)ycarly taxes
<br /> and assessments which may attain priority over this Securi�y Instrument as a lien on the Property;(b)yearly 1eASehold pnyments
<br /> or ground rents on the Prope»y,if any;(c�ycarly hazard or property insura�ice premiums; (d)yearly fload insurance premiums. �_ _
<br /> if any; (e)yearly mangAge insurance prGmiums, if w�y; and (�any sums payable by Bonower to Lender, in accordance with
<br /> the pravisions uf paragraph 8, in lieu of the payment of mortgage insurunce premiums.These items are cnlled"Escrow Items."
<br /> Lender may, at any time, colle;ct and hold Funds in an amount not to exceed the mvcimum �unount a lender for a fecierally
<br /> related mortgage loan may require far Borrower's escrow accaunt under the federal Real Estute Settlement Procedures Act of
<br /> 197�4 as amended from timc to time. 12 U.S.C. Section 2601 et seq. ( RESPA'),uiiless anothej•law that applies to thc Funds
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<br /> scts a les�er aEnnunt.If so, Lender may, ut any time, c�llect and hold Funds in un amount not to excecd the lesser a�nount.
<br /> L.ender niay estimate the amount of Funds due on thc buris of current data and reasanablc estimates of expendltui�es of fnnirc
<br /> I?scrow Items or otlienvise in aceordnnce with upplicable law.
<br /> The Funds shult bc l�eld in an institution whose deposits are insured b�� a federal ugency, instntmentallty. or entity
<br /> (including Lender,if Lender is such an institutionj or in any Fcderal Home Loan Bank.l.ender shall apply the Funds to pay the
<br /> 8scrow Items. Lender may not chaf�e Bonower for hulding and Applyin�die Funds, tumually annlyzing the escrow ucsount,ar
<br /> verifying the Escrow Items,unless Lender pays Banower interest on thc Funds und applicc�ble law permits Lender to make such
<br /> ' a charge. However. I.ender may requ9ro Borrower to pay a or.c•time charge for an independent rcal estute tax reporting scrvice
<br /> used by Lender in connection with this loan, unless applicuble law provides othe�wise. Unless an agreement is made or
<br /> applical�le Inw rec�uires in¢erest to be paid,L.ender shall not be required to pay Bonower uny interest or earnings on thc Funds.
<br /> .Borrower and Lender may agrce in writing, hawever,that interest sUall be paid on the Funds. L,ender shall give to 8orrower,
<br /> �u���gt ���raor_.. �n mmu:�l•accounting of the Funds, shawing credits and dcbits to the Funds and the purposc for which each
<br /> debit to the Funds was made.The Funds are pledged ns additional security for alt sums secured'oy ihia Su:u��ry:���sr'ti"�i.
<br /> If the Funds held by Lender exceed the amounts permltted to be held by upplicable law, Lender shall �ecount to Borrower
<br /> � far the cxcess Funds in accordance with the requirements of applicable law. If the nmount of the Funds held by Lender at any
<br /> ' dme is not sufGcier�t to pay the 8scrow Items when due, Lcuder may so notity Bottower in writing,and,in such case Botto�ver
<br /> � shall pay to Lender the a�nount necessary to make up the deficiency. Bonower shall make up the deficiency in no more than
<br /> ' twclvc monthly payments,at Lender's sole discretion.
<br /> � Upon payment in full of all sums secured by this Security Instrumcnt, Lender shall promptly rcfund to Borrower nny
<br /> Funds lield by l,ender. If,under parugraph 21,L.endar shall acquire or sell the Property, Lender,prior to the acquisition or sale •
<br /> ' nf the Property,shall npply any Funds hcld by i.ender at the time of acquisition or sale as a ciredit against the sums secured by
<br /> this Secarity Instmment.
<br /> 3.Appltea[fon of Payments.Unless applicublc law pravides othcrwise.all payments rca:eived by Lender under paragraphs
<br /> 1 and 2 shall be applied: first,to any prepayment charges due under the Note; second, to amounts payabte under paragraph 2;
<br /> third,to intcrest due;fourth,to prtn.cipal due;and last,to nny late charges due under the Note.
<br /> 4. Ctir�rges; Llens.8orrower shall pay all 4axes, assessments, charges, fines and impositions attributubl�tu the Property
<br /> � which mny attain pdority over this Security Inst�ument, and leasehold payments or ground rents, if a��y. Borrowcr shall pay
<br /> these obligattons in thc manner provided in purngraph 2.or if not paid in t4�at mAnner,Iiottowcr shull pay them on timc dircctly
<br /> - to the person owod paymcnt. Bonower shall promptfy fumish to Lender all notices of amounts to be pa{d under this puragraph.
<br /> = if 8uc�uwci f��{�CS�11V��Ny.^1.CCir'!':'C=!!Y,R��''�'^wrr r.hall promntly furnish to Lender receipts cvidencing the payments.
<br /> Borrower shal(p;omptly discharge any lien which has prioriry over this Security Instrument unless B�nower: (a)agrees in
<br /> writing to the payment of ti�e obligation secured by the lien in u manner ncceptable to Lender;(b)contests in good f:tith the l'een
<br /> ' by, or defends ngainst euforcement of the lien in, legal procee.�ings which it� tlie Lender's opinion opernte to prevent the
<br /> enforcement of the lien; or(c)secures from the holder of the lien an ugrcement satisfactary to Lender subordinating the lien to
<br /> this Security Instrumcnt. If Lender determines that any parc of the Propercy is subject to u licn which may attain priarity over
<br /> this Security Instrument,Lender may give$orro�ver a notice identifying the lien. Borrower shall satisfy the lien or take one or
<br /> more of the actions set forth abovc within 10 days of the giving nf noticc.
<br /> Form 3028 9190
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