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<br /> TQCiETI-L�R WITH nll the improvements now or hereafter erected on tlie property,and e��easements, appurtcnnnccs, 1nd ;��
<br /> fixt�u•c:� no�v an c�rcai'ter n part of tlic praperty. All rcplacements and additions shnll ulso bz covered by this Sccurity i�
<br /> Inst�vmcnt.All of thc foregoin�is refcrrcd to in this Sccurity lnstniment as Qtc"I'roperrty."
<br /> BORROW�R COVCNANT5 thut Burrowcr is lnwfully seised of thc cstnse hcrchy conveycd mid has thc right ta grant and I_-
<br /> c�nvey tiie Property ar►d that the Property is unencumbered, except for encumbranees of recorci. Horrower warrnnts und will i�
<br /> defend generally the title to the Property agaanst ull elaims and demsnds,subJect to nny cncumbrnnces of recorJ. i �
<br /> TtilJ JLrU�1T?� lNSTRt►MF.NT combines uniform covenants for nationul use nnd non•unifunn covenants with limited
<br /> vui•iatious Gy juds�iiction tn c.onstitutc a uniform sccurity instrument covcrins rcal property. ;_�.-
<br /> ��������S�,�veNeuT$. �u,nowcr and T.ender covenant and agrec as fol!ows: M^ a..o „V
<br /> 1. Pnyment o! 1'r inc ipa l a n d I n t e r e s t i �'e P a y m e n t a n d L a te Cha r ges. Horrowcr snnii proiupiiy pay w���r ,.....
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<br /> principal of and interest an the debt evidenced by the Note nnd any nrepayment and late charges due under tlie Note.
<br /> 2. F�nds tor Taxes�uid Insurance. Subject to applicnble law or to a wri4ten waiver by Lender. Borrower shall pay to
<br /> l,ender on the day monthly payments are due under the Note,until the Notc is paid in full,a sum("Fun�Tl) Ieuselia payme ts
<br /> and assessmer.ts�vhich may attnin priority over this Security Instrument as a licn�n the Frope�ty��)flood lnsurance prerniiims, �
<br /> or Eround rents on the Property, if any;(c)yearly hazard or property insurancc premiums;(d)y
<br /> if any;(e)yearly mortgage insurance premiums. if any: and(� uny sums pay:�ble by Honowee to I.ender, in accordance with
<br /> the provi3ions of parusrnph 8,in lieu of tl�e payment of mortba�e insurance premiums.These ltems are called "Escrow Items."
<br /> I.ender may, ut nny time, collect and hold Funds in un amount not to excr,�d the maximum amount n lender for a federally -
<br /> relutecl mortgage loan may require for Borrower's escrow accaunt under thc federal Rcal Estnte Sctticment Procedures Aat of I
<br /> 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RE+SPA"),unless another law that applies to the Funds �
<br /> sets a lesser amount. If so. Ler.dcr may, at any tilne, colloct and hold Funds in nn amount not to exceed the lesser emflunt.
<br /> Lender may estimate the amount of Funds due on the basis of curcent data and reasonable estimates of expenditures of Cuture i
<br /> Escrow Itetns or otherwise in accordancc�vith upplicablc law.
<br /> The Hunds shtdl be hcld in an institution whose deposits are insurcd by n federal agency, ppt�umentality, or entit��
<br /> (including Lender,if Lender is such an institution)or 4n any Federal Home Loan Bank.l..ender sball a 1 the Funds to pay thc
<br /> Escrow Items.I.ender may not chw�ge Borrower for holding and applying the Funds, amivally analyzing the escro�v�ccount,or
<br /> verifying the Escrow Items.unless Lender gays Bonower interest on the Funds and applicable law permits Lender to make such
<br /> n ct�arge. Howev�r,I.ender may require Borru�ver to pay a one-time charge for un independent re�l estate tax reportins seivice
<br /> used by Lender in connection with this lonn, unlcss applicable law provides otherwise. Unless an agreement is made or
<br /> applicable law requires interest to be p�id, Lender shall not be rcquired to pay Borcower any interest or carnings on the Funds.
<br /> Borrower and Lender may agree in writing,howevcr, that interest shall be paid on the Funds. I.ender shall�g'e►vf T°wh°ch cach
<br /> withou� ch:ugc, u��a����� a�ur.tir.a ^f th?Fimdc; �hnwina credlts attd debitS ro the Punds and the purp
<br /> debit to the Funds was made.The Funds are Qledged us additional security far all sums secured by this�eeurity Insiruu�ciii.
<br /> If the Funds held by L.ender exceed the amounts permitteci to be hcld by applicable law,L.ender shAll uccount to Borrawer
<br /> fur the excess Funds in accordance with the requirements of applicable law. If the amouut of the Funds held by Lender at w�y
<br /> time is not sufficient ta pay the Escro�v Items when due,Lender may so notify Boaower in writing,and.in such a�se Borrower
<br /> shall pay to i.endcr the amaunt necessary to make up the deficiency. Borrower shall make up the deficiency in no more thun
<br /> twelve monthly payments. at Lender's sole discretion.
<br /> Upon payment in full of ail sums secured by this Security Instrument, I.ender shall promptly refund to Borrower eny
<br /> of the Property�shell upplYnanY F nd rl cld by Lender t�thc!ime of acquisit n�oP sale uIs a credt agninst he sumstsecured by
<br /> this Security Instrument.
<br /> 3.Applicatlon oi Paymente.Unlcss applicable luw providcs otherwise, all payments rcceived by Lender under paragrap s
<br /> 1 and 2 shall be applied: tir�t. ta nny prepayment charges due under die Note: second,to amounts payable under paragraph 2;
<br /> third,to interest due:fourth,to principal due; and last,to any late charges due under the Note.
<br /> 4.Cl�arges;Liens. Horrower shall pay all taxes, assessments, charges. fnes and impositions attributable to the Pruperty
<br /> , wliict� may att�'�in priority over this Security Instrument, and leusehold payments or ground rents, if any. Sorrower shull pay
<br /> t6ese obligatiotts in the manner provided in paragrnph 2,or if not paid in that manner,Borrower sliull pay them on time diroctly
<br /> to ti:e person owed paymcnt.Borrower shall promptly fumish to L.ender nll noticcs of amounts to be paid under tl►is paragraph.
<br /> if norrower maRw titiFs��,ayrncnt�direcel;.�orrow�r�hall gromotly furnish to Lcnder rcceipts evidencing the paymcnts.
<br /> Borrowcr shall promptly dischnrge any licn wliich has priority over this Suurity Instewnent unless Bonower:(a)agzees in
<br /> writing to the payment of the obligation s�cured by the lien in a manner dca:ptable to Lender; (b)contests in good faith the lien
<br /> ' by, or defends agninst enforcement of the lien in, legal pro�ecdings which in the Lender's opinion opernte to prevent the
<br /> e��forcement of the lien; or(c)secures from the liolder of thc lieti an agreement satisfactory to Lender subordinating the licn to
<br /> , this Security Instrumcnt. If L.endcr detcrmines that any part of the Propeny is subject to a lien which may attain prioiity over
<br /> , this Security Instmment, Lender may give Borrower a notice tdentifyiug tlie lien.Aorrower shall satisfy the licn or take ane or
<br /> more of the actions set forth above within 10 days of the�iving of noticc.
<br /> Form 3028 9190
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