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<br /> 1'OGF.THER WI'I'tl ;di thc improvemcnts nc�w on c�rcuftcr crcctcd on thc properry.and all ca��ffent,. appurtenanccti,and
<br /> tixturcti nrnv un c�rcaflcr a part �il' thc pruperty. All rcplucenunts nnd adJition, �hall alsa hc c��vcrcd by this Sccurity
<br /> Instrumcnt. All ul thc ti,rrguing i.rclrrrrd tu in thi,Scruriry Imtrumeni u,thr"Properry." .�
<br /> f30RRUW fiR COVF:NANTS thut Borrowcr iti luwFully+ciscd uf�hc cstatc hcrchy«�nvcycd und hu�thc right tc�gr,tnt cntd
<br /> cunvcy llic {'rupert� and that d�e Pmperty i, unencumhrred. exrcpt for cnrumhr:uuey uf r�corJ. Borrowcr warrant� and will
<br /> +� dcfenJ gcncrally dic titic to thc Prnperty against ull cluims and dcmands.tiuhject tu any cncumbranr�s�,f mcurd.
<br /> THIS SECURITY INS7'RUNIENT combincs unifurm ri�venants (or national usc und nan-unifi�rm ci�vcnants with limitcd
<br /> :;�:»�'�'� variutii�m by jurisdiction[o cun�titutc a uniform scruriry instrument covcring rcal property.
<br /> - �" UNIFORM CO`1FNANTS. B�urower and l.ender cuvenunt und agree us fiillowti:
<br /> 1. Payment of Principul und Interest: 1'repnyment und Late Chur�es. 8orrower tihc�ll prc�mptly pay when due the ,
<br /> pnncipal ut'and interetit on the dcht evidenced by the Note und any prepayment and late charges duc under the Nute. .
<br /> 2. l�wids for Tnxes and Insurnnce. SuUjcr.t to applirable law ur to a wriucn waivcr by l.c:nder, Borrowcr shali pay tu :r,.•
<br /> � Lcnder on thc day monthly payments urc duc under thc Note, until thc Note is paid in full,a sum("Funds")far. (a)yearly tsxes ��w`:
<br /> and assessments which muy utt3in priority over this Sccuriry Instrument us a lien on the Property: (b)yeurly leasehold puyments ,.i-y,�
<br /> or ground rents on the Property,if uny: (cl yearly har.urd or propeny insurance prerniwns;(d)yearly flond insurunce premiums,
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<br /> if any: (e)yearly mortgage insurance premiums, if any; and (fl uny sums payable by Borrower to I,ender, in uccordanee with �;;5
<br /> the provisions of paragruph 8, m lieu of the payment of mortgage insurance premiums. These items are caUed "Escrow Items." _°_
<br /> Lender may, ut any time, coilect anJ hold Funds in an amount not to �xceed the maximum amount a Iender for a federally �� ..
<br /> related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Proceciures Act of �:r:°::
<br /> 1974 as amended from time to timc. 12 U.S.C. Scction 2601 er seq. ("RESPA"), unless anothcr law that applies to the Funds �5
<br /> sets u Iesser amount. If so, Lender may,ut any time, collect and hald Funds in an a�nuunt not to exceed the Iesser umount. �y,=:_
<br />- l.endcr may estimate the amounc of Funds due on the basis of current data and reasonable estimates of expendiwres of future !
<br /> Esr.row Items or othcrwisc in accordancc with applicablc law. �`�
<br /> The Funds shall be held in an institution whose deposits are insured by a fecieral agency, instrumentality, or 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. Lender m�y not charge Borrower for hotding and applying the Funds,annually analyzing the cscrow account, or —.
<br /> , verifyin�the Escrow Items,unless I.ender pays Borrower interest on the Funds and applicable law permits Lender to make such
<br /> a charge. However. Lender mny require Borrower to pay a one-time cha.rge for un independent real estute tax repoctin� service
<br /> �-�w,-,�•`.:� used by i.ender iu cuwicctio�� Wit� tt;is la«r, un!sss s�F�!rAbd� �aw �rovides other��•ise. Unless an agrerment is made or
<br /> ` applicablc law requires interest to bc paid. L.ender shaU not be required to pay Borrower any intemst or earnings on the Funds,
<br />- � '' Borrower And Lender may agrec in writing. howevcr, that interest shall be puid on thc Funds. Lendcr shuU give to Borrowcr,
<br /> •� without churge, an annual accounting of thc Funds, showing credits und debits to the Funds and the purpose for which each
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<br /> _;?w��`;: debit to the Funds was made.The Funds are pledged as additional security for all sums secured by this Securiry Instrument.
<br /> ==�.;,t� If the Funds held by I.ender exceed chc amounts permittcd co be hcld by applicable la�v, Lender shall account to Borrower
<br /> =-��'�i�_ for the excess Funds in accordnnce with the requirements of upplicable law. If the amount of the Funds held by Lender ut any
<br /> �"'� time is not sufficient ta pay the Escrow Items when due,Lender may so notify Borrawer in writing,nnd,in such case Borrower
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<br /> ` "'�r'� shall pay to Lender the amount necessary to make up the deticiency. Borrower shall make up the deficiency in no more than
<br /> ��' ��� twelve monthly payments,ut I.ender's sale discretion.
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<br /> -__ !�: Upon payment in full of all sums secured by this Security Instrumcnt, L.ender shall promptly refund to Bottower any
<br /> -_--��' Funds held by Lender.If,under parograph 21,Lender shall acquire or sell the Pruperty,L.ender, priar to the acquisition or sale
<br /> �=��*��� of the Propecty,shall upply any Funds held by L.ender at the time of acquisition or sale as a aedit against the sums secured by
<br /> ""'�'�� this Security Inst►vment.
<br /> "°'�-'�='F'�: 3.Appllcntion of�ayments.Unless applicable law provides otherwise,all puyments received by Lender under paragraphs
<br /> _�"��� 1 and 2 shall be applied: first,to any prepayment charges due under the Note: second,to amounts payable under pflragraph Z; —
<br /> - third,to interest due; fourth,to principal due;and last,to any late charges due under the Note.
<br /> N��..� 4.Charges; Liens. Borrnwcr shall pay nU taxes, assessments, charges, fines and impositions attributable to the Properry i
<br /> ;r,..,.� which mny attuin priority over this 5ecurity Instrument, and leasehold payments or ground rents, if any. Borcower stiall pay
<br /> ° "�^ - these obligations in the manner provided in parag�aph 2,or if not paid in that manner, Horrowcr shall pay them on time directly
<br /> :;,�`:��� to thc persan owed payment. Borrower shall promptly furnish to Lender nll notices of amounts ta be paid under this paragraph.
<br />__i,�;� If Borrower makes these payments directly,Borrower shall promptly furnish to Lender receipts evidencing the payments.
<br /> _�=�.,-� Borrower shull promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in
<br />='�= . writing to the payment of the obligation secured by the lien in a manner acceptuble to I.ender;(b)contests in good fnith the lien
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<br /> , ..,;,;�.. by, or defends against enforcement of the lien in, Icgal proceedings which in the Lender's opinion opernte to prevent t e
<br /> '� ":�-1 enforcement of the lien:or(c)secures from the holder of the lien an agreement satisfactory to Lendcr suborciinatina the lien to �
<br /> � ; ��;`� this Se:.uriry Instrument. If Lender determines thnt any part of the Property is subject to a licn which muy attain priority over _
<br /> ;��" this Security Instrument, Lender may give Horrower a notice identifying the lien. Borrower shall satisfy thc lien or takc onc or _
<br /> i ' more of the actions set forth above within 10 days of the giving o(notice.� �_,
<br /> - Form 3028 9190
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