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<br /> 'TOUETHER WITtI all the improvemc�its naw on c�reafter erectecl on the prop�.rty, :��d all eascments,appu►�tcuuiues, und �'_.
<br /> Nxtures �nw or hereafter a part of the prope�ly. Ali replucements nnd ndditians shall alsa b� coverecl by this Securfty
<br /> Instrumcnt. All of thc forcgoing is rcferrut to in tt►is Sccurity Instrum�nt as thc "Prapeny."
<br /> BARROWFR COVBNAN?S thut Horrowcr is Inwtully scisccf of ti�c cstntc hcreby conveycd and hns tl�e right ta grnnt and
<br /> convey the Property and that the Property is unencuml�erecl. exeept for encumbrances nf recard. Borrawer wurcunts and will
<br /> defend gcnerally tf�e ti�le to the:r�p:rcy against all claims mid demm�ds,subJa:t to Any encwiibtt+nces of record. _
<br /> TH1S SECURI'CY II3STltUMBNT combines uniforn�covenants for national use and non-uniform covenants witl►lin�ited
<br /> vn�iations b.y jurisdiction to constitute�unifarm security instrument cov�ring real property•
<br /> UNIFORM COVENANTS.Borrower and I.ender�cnt s d I.AteiCharges��ortower shall promptly pay when due the �
<br /> 1. Payment of Yrlacipnl and Interest; 1'repay
<br /> principal of und interest on the debt evidenced by tho Nate and nny prepnyment and late churges due under the Note.
<br /> 2. Fundy[or Taxes and Ynsurance. Subje�t to app��c:►ble Inw or to a written waiver by Lcndcr. B�rrower sh�ll pay to
<br /> l,,ender on the day monthly paymer.ts are due under the Note.until the Note is paid 'en full,u sum("Fun�r`)�°J�.eho d n�ymeats
<br /> and asscssments which may attain�riorirj ouer this Security Instrument as a licn on the 1'roperty;(b)y y
<br /> or ground rents an due Pn�perty.if a,��:(c) 7ca�i)°hn�•'u'd or prope►ty insurvux.prem�ums;(d)yearly flocrd insurunce�rentcu+zts,
<br /> if any: fe1 yearty mat:l�ab�insv�3�=r��"-��umn, ir any; and (� any sums nayahle by Borrower to Lcrn�'er, �n accord:,�sc r�ith
<br /> the provi�iv�is af parugraph B, in li,e+r.ol'the payr��:nt of mortgage insurnnee pmmiums.7CU.x ieeir.s ac�:called"Escrow ltems."
<br /> I,enr!r�r. ,�3.y, at any time. collect arrd hold Funds in nn ainount not to excced the m:ucinr,�im a►nuunt a lender for a,goderally
<br /> rr:lillcd.n;ar.cr�age loan may require for Borrower's�cruw account under the federa!Reai ��tate Settl=ment Proccx�:ar,�s Act of _
<br /> ►q7�;�smended from ttme to time. 12 U.S.C• Seciion 2601 et seq. ("RFSPA"). unless unather lau�rJhat a�p�ics to ehs Erands
<br /> sets a[esscr amount. If so,Lender muy, at any time, cullect and hold Fwids in an emount not to exeeod the lesscr umo�mt.
<br /> I.�MIe�rrt�y estimate tho amount of Funds due on the basis of current data and reasonable estimates of exgtenditures of futuro
<br /> Escrow Items or otlierwise in accordance with applicable Inw.
<br /> The Funds shall be hcld in an institution whose depnsits arc insurod by n fcderal agency, i�strumentality, ur entity
<br /> (including l.ender,if Lender is such an institution)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the
<br /> Escrow Items. L.ender may not charge Bc�rrower ibr holding and applying the Funds,nnnually analyzing�he escrow uccount,or
<br /> verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such
<br /> a charga. L-Iowever, Lcnder may require Borcower to pay a one-time charge for an independent real estate tax reparting service
<br /> used by I.ender in canne.ction w�ith this loan. unless npplicabfe law p^avad�oP�wcr�anv nterest or earningsnon�the Fundsr
<br /> applicable law requires�nteresc co be paiu.ici��e�sha!!nai�requics�t-g-Y -
<br /> Borrower and I.ender may agree in writing,however, that intere:st shall be paid on�ne Funds. Lender shall give to Born�wer,
<br /> without charge, an annual ec�:ounting of the Funds. showing credits and debits to the Funds ar�d the purpose for which each
<br /> debit to t�n�Funds was made.The Funds are pledged us additional security for nll sums s+xured by this Security Insttument.
<br /> If t:h•e Pureds held by Lender exceed the amounts pennittetl s++bc hcld by applicable lu�v,Lender shall account to Bonower
<br /> for the excess Funds in accordnnce with the requirements of applicable law. If the aniount of the Funds held by Lender at any
<br /> time is nat sufiicient to pay the E.scrow Items when doe,I.ender n�ay so notify Elnrrower in writing,and,in such case Borrower
<br /> shall pay [o Lender tlie amwunt necessary to make up the deficiency. Borrower shall make up che de�ciency in no mom than
<br /> twelve mnnthly payments.et i..ender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Burrower any
<br /> Funds held by Lcnder.Lf,under paragraph 21, Lender siiall acq►tire or sell the Property.Lender. prior to the acquisiiion or sale
<br /> of the Property.shall apply any Funds held by Lend�r at the time of acyuisition or sale as a credit against thc sums secured by
<br /> this Security Instrument.
<br /> 3�,Applics�tion ot P�yments.Unless applicable law provides othcrwfse.all payments rcceived by I..cnder under paragraphs
<br /> 1 acx12 sitall be applied: fimt.to any prepayment charges dae under the Note;suund, to�mounts payable under paragraph 2:
<br /> third,to interest dae:fourh, to principal due;and last.to any late charg�s due under the Note.
<br /> q,Charges;I,;enc. Borrowcr shall pay all taxes.essessments, charges,fines and impositions attributable to the Property
<br /> which may attain priority over this Securiry Instrumcnt, aad leasehold E+�yrnen�� or�round rents,if any. Borrower shall p�y
<br /> these oflligntions in the ma�uier provided in paragraph 2,or if not paid in that manner,Borrower shall pay them on time directly
<br /> to the pExson owed payment. Borrower shall promptly furnish to Lender atl notices of amounts to be paid under this paragraph.
<br /> If Borrower tnakes these payrnenu directly,Borrower s6a11 promptly furnish to Lender receipts evidencing the paymcnts.
<br /> �onower shall prornptiy discharge uny tien which has priority over this Security dnstniraent unle�s Borsower: (a)agrecs in
<br /> � writing to the payment of the obligation secured by the lien in n manner ucceptable to L,r.nder:(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal procced'mgs which in the Lender's opinion operate to prevent the
<br /> enforr�:r.nent of the licn; or(c)secures from thc holder of the lien an agroemxn:satisfactory to I.ender subordinatinr,the lien t�
<br /> thjs SEC:urity Instrurnent.If L.ender determines that any part c�a the Property is s�tbject to a licn which may attain pri:�rity over
<br /> this Security Instrument.Lender may givc Borrower a notice identifying the lien. Bonower shall satisfy the lien a�t��Ce onc or
<br /> mon of tiie actions set fonh above within 10 days of the givin�of notice.
<br /> Form 8028 9190
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