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<br /> TOG�THER WITH ull thc impravcments now an c�rcaftcr crected on the pmperty, and all ru�cment..appurtenanc�+.und ��
<br /> fixtures �x�w on c�rcut'ter a part ��f the pruperty. All replaremcntti and additians shall ul.o hc ruvcrcd hy thiy Sccurity �i
<br /> Instrument.All nf thc furcgaing i ti rcfcrrc.�i to in thiti Sccurity Intitrument uti thc"Property." ,. ,.r'-
<br /> AnRROWER COVF.NANTS thut Burruwcr is luwt'ully�ciscd of thc estatn c�rcby ronvcycd and ha�thc ri�ht tu grunt and • � ;�A–
<br /> " convcy thc Property und thut thc Pruperty is uncncumbcrcd. �xccpt ti�r cncumbruixr, uf rr�urJ. Aurruwcr warrant.and�ti�ill , _
<br /> ,,,;,,«,+ defend generally the tide to the Property uguintit aU rluim�und demunds,suhjeet tc�any encumbranreti uf recurd. � �•_.� � `=-
<br /> .,. :••�► THIS SECURII'Y INSTRU M�NT cumbines uniform covenunts for nution:►I use and nan•uniform cuvcnunts wiih limited ':•:., ,. ,: ,
<br /> vuriations by,jurisdictian to const itutc a uniform sccurity instrumcnt covcring rcul property. ','��;_
<br /> UNIFORM COVENANTS. &�rrowcr and Lr.ndcr covenant und agrcc us f'ollows: ���_.
<br /> 1. Puyment of Princ[pal and Interesh, Prepayment nnd Latc Char�es. Borrawcr slwll promptly pay whcn duc thc .�_._=-:__
<br /> principal of and intcrest on thc dcbt evidcnccd by thc Note und any prcpuyment and lutc c:harges due under thc Notc. �_�="'-�"�
<br /> 2. Funds for Tax�und Insurance. Subjcct to applicablc law or to a written waiver by Lender. Borrawer shall pay tn _
<br /> i.endcr on thc day monthly payments are due undcr the Notc,until the Note is paid in full,a sum("Funds")for: (a)yesrly taxe� �y--
<br /> and as�essments which may cittain priority over this Sccurity In�:trument us a licn on the Property: (b)yearly leasehold payments �:'
<br /> ' or ground rents on the Property, if any;(c)yearl,y hazard or property insurance premiums;(d)yeurly flcwd insurance premiums, ���_
<br /> if any: (e)yeArly mortguge insurancc premiums, if any: und(f>any sums puyable by Borrower ta Lender, in uccordance with _
<br /> �- thc provisions of paragruph 8,in lieu of the payment of mongage insurance premiums. These iterns ure culled "Escrow Items." =;=�
<br /> , l.ender may, at any time, collect and hold Funds in an amount not to exceed the maximun�amount a Iender for a federally ;K,�-
<br /> related mortgage loan may require for Borrower's escraw uccount under the federal Real Estate Settlement Procedures Act of _��
<br /> , 1974 as umended fmm tinx to timc. 12 U.S.C.Sectian 2601 er sey. ("RESPA"),unlcss another law that applies to the Funds ,p�`-�..
<br /> � sets u lesser amount. if so, Len�er may, at any time, callect and hold Funds in un amount not to exceed the Iesser amaunt. �`••"',
<br /> Lender may etitimute the amount of Funds due nn the basis of current data and reasonable estimates of expcnditures of future [":-"
<br /> Escrow Items or otherwise in accordance with upplicable law. �`��
<br /> '� The Funds shnll be held in an institution whose deposi[s are insureci by a federal agency, instrumentality, or entity — _
<br /> (including Lender,if I.ender is such an institution)or in any Federul Home I.oun Bank. L.ender shall apply the Funds ta pay the �- - —__
<br /> •�, Escrow Itcros, l.ender may na charge Borrower for holding and applying the Funds, annually analyzin�the escrow account,or
<br /> r, verifying the Escrow Itemc, unless Lender pays Borrower interest on the Funds and upplicable law permits L.ender to make such _
<br />_ _ � s�h„*�;e.H�wev��, i�nder niay require Borrower to pay a one-time churge for un indepcndent real estute tax reponing servicc --
<br /> ' used by Lender in connection with this laan, unless applicuble law provides otherwise. Unless un agreement is mado ar ��
<br /> �� applicable law requires interest to be paid, I,endcr shall not be required to pay Borrower any intere.st or earnings on the Funds. _
<br /> A Borrower and l..ender mu��agrec in writing, however, thut intcrest shall bc paid an the Funds.Lender shall give to Bottower, _
<br /> without charge, an annual acmunting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to ihe Funds was made.The Funds are pledged us additional security for all sums secured by this Security Instrument.
<br /> If the Funds held by L.ender exceed the mnaunts permitted to be held by upplicable law,Lender shall account to Borrower
<br /> � for the excess Funds in accordance with the requirements of upplicable law. If the amount of the Funds held by Lender at any .
<br /> timc iti not suCficient to p�►y thc Escrow Items when due,i.cndcr may so notify Borrower in writing,and, in such case Borrower
<br /> �. shall pay to Lender the amount nccessnry to make up thc deficicncy. Borrowcr shult make up the deficiency in no more then
<br /> twelve manthly payments,at LenJcr's sole discretion.
<br /> � �� Upan paymcnt in full of ull sums securcd by tbis Security Inxtrument. L.cnder shall promptly rcfund to Borrawer any
<br /> Funds hcld by Lender. if,undcr paragraph 21,Lender shall acquire or scll the Property,Lendcr. prior to thc acquisition or sale
<br /> � of the Property, shull upply any Funds hcld by Lcndcr at the time of ncquisition or sule as a credit against thc sums secured by
<br /> � this 5ecurity Inxtrument.
<br /> 3.Application of Payments,Unlcss applicublc luw provides otherwise,all paymcnts received by l.ender undcr paragraphs
<br /> '� 1 and 2 shall be applicd: first, to any prcpaymcnt chargcs duc under the Nnte: second, to amounts puyuble undcr paragruph 2;
<br /> � third, to interest due;founh,to principal Jue;and Ixst, to uny latc rhurgcs duc under the Note, _
<br /> ' 4.Charges; L[ens. Bortower shall pay ull taxes, assessments, chargcs, Cines und impositions uttributable to thc Property
<br /> �►" which may attain priority cn�er this Sccurity Instrument, m�d leasehald payments or ground rents, if uny. Borrower shall pay _�
<br /> thc;e obligations in thc manncr providcd in paragraph 2.or if not paid in that manncr, Borrowcr shall pay them on timc dircctly ���,,_
<br /> � to thc perscm owcd paymcnt.Bottower shall prompdy furnish to Lender all notices of'anu�unts to bc paid under this parugraph. —____ __ ____
<br /> � If Borrower muke,these payments directly. Borrower shall prompdy furnish to Lcnder receipts evidencing the payments. �.,—�mm�r:
<br /> �.�.��..a.�:..
<br /> , Burrower shall prumptly di�ch.►rge any licn which has prioriry aver this Scrurity Instrument unlcss Borrowcr: (a) agrees in =— r,�•=,�.'.�.=�;n,
<br /> writing lu the payment uf thc ohligation sceurcd hy thc licn in a manncr acccptublc ro Lcndcr;(b)contests in good taith the licn .
<br /> by, i�r defenJs :►�aintit enf'orcenxnt of thc licn in, Icgal proreedings whirli in the Lcncicr's <ipinion oper:tte W prevent the _ `'� '',.
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<br /> enforecmcnt of the lien:or (cl �ecure�from the holJer c�f thr lien an agreement satisfartory to Lender suborJinating tiie lien to �• �,� ��..�,�.,_
<br /> .41.'...�,.
<br /> this Scrurity instrwncnt. (i�Lc�iJcr dctcrminr.that any p<<rt i�f'thr Praperty iti tiuhjcct to a licn which m:�y attain priority ovcr • , .
<br /> this 5ccurity Instruntutt.Lcnd�r may�±ivc Barrower a noticc identit'ying the lirn.Bc�rrourr shall satisl'y the licn ett take one or �.�t:
<br /> mu�� crt the artiun+xt furth ahuec within 10 Jays af thc gi�•in�,uf noticc. � �
<br /> Form 3028 9190
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