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<br /> TO(il':PIII?}i WI'1'H ull �hc in�provemcnte now or IicrsvRcr crccted on t ic prnperty,u�►d ull ca�cments, i�ppiirtcn�encc+. nml
<br /> iixlures naw �n• hc��ciillcr u ��art of thc prnpctty. All rcplarcmcuu; +ind ndditions shidl nly�► bc ruvcrcd hy this Sccurity
<br /> Instruincnt,All ul'Ihd furcguing fy rcfcrr;rd tu iti Uiis ticcurUy Im�tiumcnl uti Uic "I'ru�zc�ly...
<br /> Ift)RR(aWl?R COVI?f�IAN'I'S thut R�►rrowcr Is luwfully h�'i+ct6 uf Ihc c5iatc hcr�lry�uuvcy.:d imd hah Ihc right ti� Hrnnt nnd
<br /> COOYCy IIIC I�f�1�R;�ly IUTA Illitt IIIC I�f0�1CPlY I5 Utll'IIl'21i11I1L•PC�I. exrcpt f„r cucunrhr�mc�:ti ul' rccurd. Harruwcr �vurrnnts nnd wfll
<br /> dcfcnd gcncrully tlic IMIc tn Ihc 1'r�►�►city og+dn�,t ull clnlnts cm��dcmundw, nuli�crt�i��my cncumhranccs of rcco�•d.
<br /> THIS SI?CUltl'I'Y INS'fRUMf?N'C cun�hincs uniforin c�►vcnimty f'ur nadanul usc imd nnn-unlform covcniuuy with limltal
<br /> vi�rloil�ms hv iurlsdtctiuu tu consdwtc i►unif��nei sccurity insu�u�nciu covcring rc:d prupzrty.
<br /> I1N11'UItM COVf:NAN'fS, li��rrowcr nnd L.cndcr cuvcnunt und ugrcc c�w foU�►ws:
<br /> l. Ppyment ot 1'rhxa{wl and Inicrtcl: 1'rc�u►yn�ent wnst I.wte Churges. I�nrrowcr sl�ull pnmtptly pay when duc ihc
<br /> Nrincipal of und intcrest un U�c dchl cvldcnrcd by Ihc Ni�tc imd iuiy prcpaymcnt und lutc cl�iirgcs duc undcr thc N�ilc,
<br /> Z, Funds for TWxtw Wn�l I��.�ur�ucc. Suhjcct to nppllcnhlc Inw ur to n writtcn wiifvcr by l.endcr, E�orrowcr shall pay tu
<br /> la:ndcr on thc dny montlily paymcnts nrc duc undcr thc Nntc,undl thc Notc is paid in full,n sum("Funds")far: (a)yciuly[axcs
<br /> mid nsnessaunts which ntny uu�dn prlority ovcr thi:;Security Insinimcnt ns n Ifen an th�Property;(b)ycarly Ic;►schold payments
<br /> or�round n:nts on thc Pruperty,if any:(c)ycnrly I►iu.ard or propeny insunncc prcmiums;(d)ycnrly flood insurancc prcmiums,
<br /> if nny;(c)ycarly +nortgugG in�urancc prcmlums, if uny; unJ (t)nny suma paynblc by Bonowcr t�Lendcr, in:xccard�ncc with
<br /> the provlsions of parugraph S, in Ueu of the paynzent of mortgnge insurunco prcmiums.Ti�esc items are called"Es,crow Items."
<br /> I.endcr muy, at nny timc, coilcct nnd hald Funds In nn amount not to excecd thc nk�ximum amount n lendcr for u faferally
<br /> related martguge loan may require far Bonower's escrow nccount wider the federnl Real Estute Settlement Pracedures Act af
<br /> 1974 as mnettded fram time t�time. 12 U.S.C. Scctian 2601 et�er�. ("RESPA"),unlcss another law that upplies to the Funds
<br /> iscts a Iesscr a�nouns. If so. Lender mny, at any time, rnllect nnd hi�ld Funds in nn amount nut to exceed the iesser��m.ount. _
<br /> Lender may sstimatc thc amount of Funds duc on the b�.sis of current data u�id reusonnble cstimates of expenditures uf Puture
<br /> Escrow Itcros or otherwise in Accorctance with applicable law.
<br /> The Funds shull bc hcld in an insti:uci��n wf�osc deposits are insureJ by n federai ngency, instrumentality, or e�itiry
<br /> (including l.ender,if I.ender is such an insticut�i�;i)or in any Falernl H�me I.oun Bank.I.ende�shall a�ply the Funds to pay the
<br /> Escrow Items. Lender mny not charg�.�orru��er for holding and wppfying the Funds, annunlly analyzing th�escrow xccvmnt,ar
<br /> verifying the Escrow Items, u.nless Lender pays Bonower interest on the Funds and upplicable luw permits Lend�r to make such
<br /> u charge. However,Lender may require Barnower to pay u one-time charge for an independent real estate tax reporting service
<br /> used by l.euder in connecti�n with this loan, unless applicable law Nrovides otherwise. Unless �n agreement is made or
<br />� applicablc law rcyuires interest to bc paid. Lcnder shall not he required to pay Bonowcr any interest ar carnings on the Fur�ds.
<br /> Borrowcr and Ir.nder may agree in writing,however,that intcrest shall be paid on t�e Funds. Lender shall givc to Borrowcr,
<br /> .uf�uj��,.�oP, �,����?I ar��o��ntinv of�he Funds. showin� credits anA debits ta the Funds and the puxpcisc fur which each
<br /> debit to che Funds was made.The Funds are pledsed as ndditional sccurity for ull sums secured by this Security Instrur�nent.
<br /> If the Funds held by Lender cxceed the amaunts peimitted to be hetd by applicuble luw,L.ender shall uccount to Borrower
<br /> for the excess Funds in accflrdance with the requirements af applicab(e luw. If the amount af the Funds hcld by Lender o.t any
<br /> time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrcwer in writing.and,in such case liorrower
<br /> shaU pay to Lender d�e amount necessary to makc up the deficicncy. Borrowcr shall mnlce up the deficiency in no rnore than
<br /> swelve monthly payments,at I.ender's sole discretion.
<br /> Upon puyment in ful: of all sums secured by this Security [nstnmient, Lender shall promptly refund to Borrower any
<br /> Funds held by Lemfer.If,under paragraph 21. Lender shall acquire or sell the Property,Ixnder,prior to the acquisitian or sal�
<br /> of the Property,shall apply w�y Funds held by Lender at the time af acquisition or sa[e as a credit against the sums securGd by
<br /> this Sccurity Instrument.
<br /> , 3.Appllcation of Paymeuta.Unless applicabte!nw p�uvides otherwise,ull payments nzceivod by l,ender under paragraphs
<br /> • 1 nnd 2 shall be applied:first,to any prepayme.nt charges due undcr the Note; second,to amounts payxble under paragraph 2:
<br /> third,to intcrest tlae;fourth,to princi�al due;And last,to any lutc charges due undcr the Note.
<br /> 4. Chnraec: Llena.Bonower shall Fay all taxcs,ass�ssments,charge.,, fine,e and imgositions nttributable to the ProFerry
<br /> which may atwin priority ovcr this Security Instrurnent. and leaseliold payments or ground rents, if any. Borro�tie•r shali pay
<br /> thesc obligations in the manner provided in pasagraph 1.,or if not paid iri that mann�r. Borrower shall pay thcm on time di:ectly
<br /> to thc person owed paymcnt. Bonower shall prampdy furnish ta L.ender nll notices of amounts to be paid under this paragraph.
<br /> If Borrower makes these payments directly,Borcawer shall promptly furnish to Lender receipts evid�ncing the paymcnts.
<br /> Ronower sha(1 promptly dtschargc any lien which has priority over this Security Instn�ment unless Borrower:(a)agrees in
<br /> writing to the payment of the obl3gation s��cured by the lien in a manner acceptnble to Len�er;{b)comests in good faith the lien
<br /> by. or defends against enforcement of the licn ln, legnl praceedings which in the Lender's opin9on operate to prevenc the
<br /> enforcement of the lien:or(c)securc;s from t�he�older of tho 1{en un agneement sutisfactory to Lender subonitnating thc licn to
<br /> this Secutity Instr�u7�ent. If Lendcr determines thut any pnrt af the Propeny is subject to a 1[en which may uttain priority over
<br /> this 5ecuriry Instrument,Lender may givc Borrower a notice idcntifying tlie lien.Sorro�ver shall satisfy thc lien or take one or
<br /> marc of d►e uctions set forth above withii� 10 days of the giving of notice.
<br /> Form 3028 9190
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