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<br /> 'TUO�'Y'IiER 1V1TH sll the inlpm�emerit+now or hereafter erected on the property, and all eascincn[s.�ppurtena�ucs,and --
<br /> fixwres now or hercaRer a paat of tht� pnupeny. All re�ilacements and additions shall also be covered by tbis Securit�+
<br /> Instn�nxnt. All of the foregoing is refeReA tcr in thi�Secur[ty Instrument aa the"Propeny."
<br /> BORROWER COVENANTS that�omc�w�r is lawfully seised of thc estate hercby conveyed and has the right to grant And _
<br /> convey the Propeny and that the Prope:�ty�.s unancumbered, except for encumbrances of record. Bonower warrants and will
<br /> defend generally the titlo to che Pinpexry ogalnst all claims and demands,subJect to any encumbrances of record.
<br /> TH1S SE�URITY INSTRl1�bi�NT cort�bines uniform covenants for nadonal use and uon-miiform covenazits with limited _
<br /> variattons by jurisdiction to canstituta a unifhrm security instrument covering n:al property.
<br /> UNIFORM COVENANTS.B�orrower�nd L.cnder covenant and agrce as follows:
<br /> 1. PAymcnt o[ Principal �nd lnter�t;Peepayment �nd 1.Ate Charges. Borrower shall prompcly pay when due the _
<br /> principal of and i�uerest on the debt evld�nr,t:sl by t�e Note and any prepayment and late chazges due under the Nots. _
<br />' 2. Fuada [or Taxes ond Insu�n�a Subject to applicable law or to a wrltten walver by Lender,Borrower shall pay to
<br /> Leader on the day rmmthly p�ynxats are due under the Note,until thc Note is paid in full,a sum("Funds")for: Ea)yearly taxes
<br /> and assessments which may attain priority uvec thls Secutity Instrnment as a lien on the Propecty; (b)yearly leasehold payments _
<br /> or ground rents on the Property,if:uiy; (c)yeuly hazazd or property insurance premiums;(d)yearly flood insurance pcemiums.
<br /> if any; (e)yearly mortgage insurance pnmium.c. if any; and(� any sums payable by Borrawer to Lender.ia accordance with
<br /> the provisions of paragraph 8, in lia;u of ihe payment of mortgage insurance premiums.These items are called"Escrow Items."
<br /> LenCer may. at any time. collect and huld Funds in an amount not to exceed the ma�cimum anwuat a leader for a federally
<br /> related mortgage loan may reqidrr, for Bor.aouer's escrow account under We federal Real Estate S�ttlement Proceduns Act of
<br /> 1974 su amended from time to timo, 12 U.S.C. Section 2601 et seq. ('RESPA"),unless another law that applies to tha Funds
<br /> seW a lesser amouut. If so, L.cndGr m�y,zt any time. collcet and hold Funds ia an aznount not to exceed the lesser aawunt.
<br /> L.ender mxy estimate [he anwunt of Funds due on the basis of cuacnt data and reasonable estimates of expenditures of future
<br /> Escmw ltems ar otherwise in uccordaace with applicable law.
<br /> Thc Funds shall be held In aa inuitutlon whose deposits are insured by a federal agency, insuvmentality, or entity
<br /> (lACtutiitig icuuci,ii T.ciucY�u 5i2Gu�u :r,�ii:�;an)or iss«n,Ft@LS".��C'S..1P.,t..C°.�^.T?3^k. �!II��F�1 a��,ly the Funds to oay the
<br /> Escrow Items. Lender may not chargo Botrower for holding and applying the Funds,annually analyzing the escrow account,or
<br /> verlfying the F.scmw Items,unla�a I.under pay�Borrow�r interest ou the�unds and applicable law permtts Lender to m�lce such
<br /> a charga However, Lender mAy requfm Borrower ro pay a onrtime charqe for an independent real estete tu reporting servia
<br />• ; usod by Lender in coanectlan with thiR loan, unless apglicable law provides otherwise. Unless an agnemsnt is made or -
<br /> applicable law requina intere�t to ba paid,I.�ender shall not be required to pay Bortower any interest or eamings nn the Funds.
<br /> , Borrower u�d Lender may agroe in writing, howevcr. that interest sh�ll be paid on the Funds. i.eiider shall gtve to Borrowar,
<br /> �svithout chuge, an anaual xcowtting of the Fwnds, shawing credits aad debits to the Funda and the pu=pose for which esch
<br /> � dtbit to the Funds was made.Tl►a F�wds ua pledgal as additional securiry for all sams secured by this Securiry Insuutaent.
<br /> .�� If the Funda held by I,encicr excoed the amounts pecmitted to be held by appltcable law,Lender shall account to Sorrower
<br /> for tha excess Funds in accord�uacs with che ttquinmcnts of applicable law. If the amotuit of the Funde held by Lender at�ny
<br /> time is not sufficient to pay tha Escrow Items when due,I.ender may so notlfy Borrower in writing,and,in such c�se Bonowa
<br /> shdl pay to L.ander the amount noceasary to make up the deficiency. Borrower shall make up the deficienry in no more than
<br /> , twr�ve monthly p�yments.at L.emter'a sole discreNon.
<br /> • Upoa paymcat in fuil of�11 sums securcd by this Security Instnumnt, i.�nder shall pmmptly refund to Borcower nnny
<br /> � Funds heid by I.snder.If.under paragrapd 21,L.ender ahall acquire or sell the Property.Lender,prior ro the acquisition or sale -
<br /> of the Property, shall apply any F�uuls held by Lender at the time of acquisition or sale as a credit agunst the sums securad by
<br /> this Securiry Inatruirnnt.
<br /> 3.Applicatlon ot Paymenta.Unless applicable law providas otherwise,all psyments receivod b�Lender under puagraphs �
<br /> 1 and 2 shaU be applied: fint, to aay prepaymsnt cliarges due under the Note; second,to unounts payable uader paragraph 2;
<br /> third.to intecest due; fourth,to principnl due;and last,[o any late charges due under the Note.
<br /> 4.CItA�es;I.tero. Borrower shall pay all taxes,assessments, charges, fines and irapositions attdbutable ro the Prope:ty
<br /> which may attain priodty ovor this Secudty Inswment, and leasehold payments or gmund rents, if any.Borrower shall pay
<br /> the�e obligations in the inanner pmvidat in pazagraph 2.or if not paid in that manner.Bormw�r shall pay c4em on t9me dinctly
<br /> • to tfie person owed payment.�anow�r shall promptly fumish to Lender all notices af aznounts to be pald under�is paragraph.
<br /> IIf Borrower nui,�es tliese pa}rtuenis directly. Borrower shall promptly fumish to Lender receipts evtdencing the payments. .
<br /> Bottower shall promptly dischargo u►y llen which has priorlry over this Securiry Instruaxnt nntesa Sorrower:(a)agxas in —
<br /> : writing to the payment of the obligation secured by the iien in a maziner acceptable to Lender; (b)contests in good faith the lien —
<br />— by, or defends against enforcement nf the Iien in, legal ,proceedings which in the i.,ender's opinion operate tu pnvent ths --
<br /> eaforcement of the 1iea;or(c)securos fcom the holder of the lien an agreement sacisfactory to Lender aubordiiaating the lien to °-
<br /> this Security Insuvment. If Londer deurmina that any part of the Properry is aubject to a lien which may actain priority over
<br /> this Security Instrument, Lcncier may give Borcower a notice identifying the liea.�orrower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Form 3Q28 8/��
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