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<br /> . 'I'OGtiTHER WITH aU the improvc�nent,nuw ur hercafler erected on the prnpcny. �ind:�U cutirmrntti, nppurtenunrc+, und ,
<br /> lixtures nuw on c�rcaflcr u pun ��f thc ��raperty. All rcpluccnunts unJ additiunti ,ludl al,u hc ruvrrc�l by thi� Sccurity
<br /> Instrumcnt. All uf thc forcguing i�rcfcrrcd to in this 5ccuriry lnstruntcnt :is tl�c"Pruperry.” .
<br /> BORROWER COVENANTS thut I3iirn�wcr iy lawfully+cised of thc r�tutc hcrchy canvcyrd�and hu+thc right to grant und
<br /> ' convey thc Pr��perty ;md thnt thc Property iti unrncumhcrcd, exrepl tin• cncumbrunres ul rra�rd. Btirruwrr wurrunts iind will
<br /> . .. defend genernlly the tiNe te�the Prnperty agninst idl cluims and demundti, tiubjcct t��uny encumbranreti of record.
<br /> � THIS SECURITY INSTRUMENT combincx unitii�•m covenants G�r natiunul u�r .md nnn-unitirrm cuvrnuntti �viQ� limitcu
<br /> ��^ru*`'" variaticros by jurisdiction to con,titutc a uniform scrurity instiUnunt covcring rcul pn�perry.
<br /> ' •' '"�� UNIFORM COVENANTS. �c�rrowcr und Lendcr covenunt unJ iigrecas full��ws:
<br /> l. Payment of PrincipAl mid 6�terest; 1'repnyment und Lute Chnry;es. I�urri�wcr ,hull prumptly pay whcn duc thc
<br /> • principal of und intcrest on thc debt cvidenccd by thc Notc und uny prcpayment and lutc rharticr duc undcr thc Notc.
<br /> � 2. Funds for Tnxe.s und Insurnnce. Suhject to upplicuhle luw nr t��u �vritten wuivcr hy I.ender, E3urrower shull pay tu
<br /> Lender on the day monthly payments urc duc under the Notc,until the Note is paid in t'ull,a suni("Funds")ti�r: (u)yearly tuxes �
<br /> and assc5sments which may attain priority ovcr this Security Instrumcnt us a licn on thc Property;(b)ycarly IcaschnlJ paymems
<br /> :_, ' or ground rents on thc Property, if uny;(c)ycarly haaard or propc�Yy insurancc premiunn:(d)ycarly fli�od in�ur,inrc premiurns,
<br />. , .. '% if uny; (c) ycarly mortgagc insurancc premiums, if�my: and (�any sums payablc by Borrowcr to Lendcr, in accorduncc with �-
<br /> . � the provisions of paragraph 8, in licu of the payment of mortgagc insurancc premiums. Thcse items•arc ralled "Escrow Items." _�t'`
<br /> „ �` Lender may, at any time, collect and hold Funds in an amount not to ezcecd the maxitnunt amount a lender for a federally f.
<br /> related mortgage loam m�y require for Borrower's e+crow account under the federal Rexl Estute Sctdement Procedures Act of �,A.��'
<br /> 1974 us amended from�ime to time, I2 U.S.C. Section 2601 er seq. ("1tESPA"), unlcss another law that upplics to the Funds f�':-_
<br />_ :� sets a Icsser amount. If so, LcitJcr tna)�, ut any time, collect and hold Funds in an umount not to cxcced thc lesscr amount. ..
<br /> Lender may estimate thc amount of Funds duc on the basis of current data und reasonuble cstimates of ex�enditures of futurc ;
<br /> Escrow Items or otherwise in accorduncc with appl icable law. �„�_
<br /> ' • The Funds shall be hetd in an ins[itution whose deposits are insured by n federal ugency, instrumentality, or entiry a=rs�
<br />_ (including Lender, if Lender is such an in�titution)ar in any Federul Honu L.oan Bank. Lender shall apply the Funds to pny the �_-
<br /> Escrow Items. L.ender ma not char e Borrower for holdin and a I m the Funds,annuall anal r.in the escrow account. or ���
<br /> Y s s PP Y� B Y ' Y 6
<br /> � verifying the Escrow Items,unless Lender pays Borrower interest on the Fundx and applicablc law permits Lender to make such _
<br /> s,•. a churge. However, L.ender muy requirc Dorcowcr to pay a one-timc chargc for an indepcndent rcal estatc tax reporting service —
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<br /> «.°.."�. �`� �.^C�.�! :^ �^nn�t�nn ::':Sh thlg I�n�;. �rla�g wYYI:`SIVI� Ig�y rrnvtijac ntti�r�y;cn, i inlncc �n r�aornnm�+nt ic rparl�± nr
<br /> r � � applicable law rcquires interest to be paid,L.ender shall not be requircd to pay Borrower any intcrest or carnings on the Funds.
<br /> - ` ' � Borrowcr and Lcnder may agree in writing, however, thut interest shall be psid on the Funds. Lender shall give to Borrower,
<br />"�' without charga an annual accounting of[hc Funds,showing cmdits nnd dcbits to thc Funds und thc purpose for which each
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<br />=�� , • �'' debit to the Funds was made.The Funds are pledged as additional securiry(or all sums secureci by this Security Inslrument.
<br /> - - �.,,N, [f the Funds held by Lcnder cxcced the amounts permiued to be hcld by ��pplicnble luw, Lender shall account to Borrower =
<br /> ��;,,;-; for the excess Funds in accordnnce with the requirements of applicable law. If the amount of the Funds held by Lender nt any
<br />-_--_--�' $`�� 1 timc is not sufficient to pay the Escrow Items when due, Lender may so notify Borrowcr in writing, and, in such case Bottower
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<br />�= �' shall pay to C,ender the amount nccessary to mnke up the deficiency. Borrowcr shall makc up the deficiency in no more than
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<br />`L=;-��. • twelve monthly paymcnts, at Lender's sole discrction.
<br /> '��' '�' '::�'"' U on a ment in full of all sums sccured b this Securit Instrurnent, Lc:nder shall mm tl refund to Borrower an
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<br /> __�-�%�� Funds held by Lender.If, under paragruph 21,Lcnder shall ncquire or seDl the Property,Lender,prior to the ucquisition or sale --
<br /> -;�-�-�;��__•y of the Property, shall npply any Funds held by Lender at the time of ucquisition or salc as a crcdit Against thc sums secured by
<br />---- =�'� this Security Instrument.
<br /> �=�=�a 3.Applleution of Puyments.Unless applicable law provides otherwise, all payments receiveci by Lender under paragruphs -
<br /> _.—.;s 1 and 2 shall be applicd: �rst, to any prepayment char�es duc under thc Note;second, ro umounts payable under parageaph 2;
<br /> -.—--_° third,to interest duc; fourth,to principal �ue: und last, to nny latc charges duc under the Notc.
<br /> ~�R`"—"= 4.Charges; Lie��s. Borrower shnll pay aU taxes, assessments, chargcs, fines und impositions attributable to thc Property ---
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<br /> __:°f$fu�3� _. which may attain prioriry over this S�urity Instrument, und Ieasehold payments or ground rents, if'uny. Borrower shnll pay
<br /> —_ __ these obligutions in dlc manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly —
<br /> --�� to the person owed payment. Borrower shnll promptly furnish to C.endcr all notices of umounts to be paid under this paragraph.
<br /> '-���+��� If Borrower makes these a ments directl ,Borrower sh�ll rom tl fumish to Lender rer.ei ts evidencin the u ments. ����
<br /> I� Y Y P P Y p fi P Y ��•.''`
<br /> s_�.:�:t� Borrower shaU promptly discharge any lien which hfls prioriry over this Security Instrument unless Borrower: (a)agrees in _
<br /> " .�`;� writing to the paymenl of the obligation securod by the lien in a manner acceptable to Lende�; (b)contests in good faith the lien
<br /> - ' "�r-°�" by, or defends against cnforccmr,nt of the lien in, legal proccedings which in the i.endcr's opinion operate to prevent the �
<br /> "-" •�"�1�=A cnfo�cement of the licn:or(c) sccures from thc holder of the lien an agrecment satisfactory to l,cndcr subordinating the lien to �---
<br /> ., this Securiry Instrument. If Le:�der detern»nes that any pnrt of the Property is subjcct to a lien which may attain priority over --
<br /> _ ' this Securiry Instrumcnt, L.endcr may give Borrowcr u noticc idcntifying the lien. Borrowcr shall satisfy the licn or take one or Q`'s`
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<br /> more of the actions set forth above within 10 days of the giving of notice. ��':
<br /> .• • Form 3028 9190
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