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<br />'2„';�.� TOGGTH�R WITH all thc impravements now or hercaflcr crected on thc praperty,and all c3semcnts,appurtcnuncrs,and
<br />°=-`.; fixtureti ni�w on c�r�.dtcr n p.►n of the propeRy. All repinccments und ndditians shall also be covered by this Securiry
<br /> - �'� Insirumcnt. All uf tlir forcguing is r�fcrrcd ta in this Security Instrumcnt.0 thc'Property."
<br />-'t� HURROWGEt COVF.NANTS thut&�rrow•cr is lawfully uiticd of thc c�tutc hcreby convcycJ and ha�thc right tu grant and
<br /> _?'�� cunvcy Uic Pro�rty and that the prupeity is unencumbered,except fur encumbrances of rceord. Borrower warrants and will
<br /> defend g�n�rtdly l{tc litic lu lh�Frupe�'ty ui;uinsl ull claima anJ d�:mnnds, tiubjcct���any cncumbrances of record.
<br />_�:� THIS SECURITY INSTI2UMENT c�nnbines uniforni cavennnts f'or natiunal use and non-uniform cavenunts with limited
<br /> variatiuns by juriuliction to constiwte u uniform sccurity instrumcnt covoring rGd praperty.
<br />''�� UNIFORM COV6NANTS. Borrowcr and Lendcr covc:nunt und ugr�T as follows:
<br /> � 1. Ps�yment ot Principul and lnterest; Prepayment and [ate C:hArg�. Borrowcr shall pramptly pay when duc the
<br /> ,:.��,,;; principal of and interest on the debt evidenced by the Note und nny prepi�yment and Inte churges due under the Note.
<br /> ',.' 2. Fw�ds tor Taxes and 1i�.5urance. Subject to applicable law ur to a written waiver by Lender, Borrower sh:ill pay ro
<br /> ��'' Lender un the duy monthly puyments are duc under the Note,until th�Note is paid in full,a sum("Funds")for:(u)yeady texes
<br /> •'�X� und ussessments which ma attain riorit over this Securit Instrumant as a lien on the Pro rt (b)yearl leasehold a ments
<br /> ���� Y P Y Y P� Y� Y pY
<br />_� or ground rents on the Property,if any;(c)ycarly ha�ard or propcity in�uxuncc premiums;(d)yearly flood insurunce prcmiums,
<br /> s if any: (e) yeurly mortguge insurance prcmiums, if any; and(� any sums payable by Borrower to Lender, in accordancc with
<br /> the provisionfi of para�raph 8, in lieu of the pAyment of mortgu�e inaur.uice premiums.These items are called"Escrow Items."
<br />=� Lender mAy, at uny time, cullect und hold Funds in un amaunt noc to execed the maximum umount a Icnder for a federaliy
<br /> ;;:�� related mortguge loan may require for Bonower's escrow account urvi:� tt� federal Real Estate Setdement Procedures Act af -
<br />:;�_n� 1974 as umended from time to time, 12 U.S.C. Sectiun 26(ll e�sey. ("RESPA"),unless another law that applies ro the Funds
<br />�°'�%°R sets :s lesser amount. If sa, l.ender m:ty, at any tim�, collcct and hold Funds in an amount not to exceed the lesser nmount.
<br />- ��
<br /> -��� Lcndor may estimAte the amount of Funds duc on the busis of current dsta and reasonable estimates of expendituTes of future
<br />_-,;,� Bscrow Items or athunvise in uccordatue with apnlicnble lav+.
<br /> — Thr. Funds shull b� hi:ld in an institutiai whusc deposits ure in�ured by a federal agency, instrumentality, or entity
<br />_," (Including Lender,if L,ender is such un inatitution)or in any Fedecal Home Loan Bank.Lender shall upply the Funds to puy the
<br /> — Escrow Items.l.ender muy not churga Borrower for holding and applying the Funds, nnnuaUy analyzing the escrow account,or
<br />-��. verifying the Escrow It¢ms,unlaxa l.�;nder pays Borrawer interest on the Funds and applicable law permits L.ender to make such
<br /> - a charge. However. Lendur may require Bonower to pay a one-time charge for an indcpendent rcal estate tux reporting service
<br /> ___ used by L.endor u► connsction with this loan, unless upplicablc law pYOVides otherwise. Unless an agreement is made or
<br /> .,,�,�m,,,= applicable law requires interest to be paid, Lender shall not be required to pay Horrower any interest or earnings on the Funcis.
<br /> --= Honawer and l.ender may agree in writing,however, that interest shall be paid on the Funds. Ixnder shall give to Horrower,
<br />"-=— without charge, an annual accounting af the Funds, showing credits and debits to the Funds anc! the purpose for which each
<br /> , debit to the Funds was made. The Funds are pledged as udditional security for all sums secured by this Security Instmment.
<br /> If the Funds held by Lender exceed ttr:amounts permittal to be held by applicable law,L.ender shall acwunt to Ronower _
<br /> � i; for the excess Funds in accordance with tl�e requiremcnts of applicable la�v. If the amount of the Ft�nds held by Lender ut any
<br /> time is not sufficient to pay the 6scrow Items when due, Lender may so notify Borrower in writing,and, in such case Borrower
<br /> shall pay to I.ender the amount•necessary to mal:e up the defiriency. Borrower shall make up the deftciency in no nwre than
<br /> twelve monthly payments,at t.ender's sole discretion.
<br /> Upon paym:nt in full of all sutns �ecured by this Security Instrument, Lender shull promptly refund to Bonower uny
<br /> Funds held by Lender.If, under paragi�aph 21, Lender shall ocyuire or sell the Property.Lender,prior to the acquisition or sale
<br /> . of the Property, shall apply nny Funds held by I.ender ut the time of acquisition or sale as a credit against the sums secured by
<br /> this Security Instrument.
<br /> 3.Application of Payments.Unless applicable Inw provides otherwise, all payments received by Lender under parttgraphs
<br /> l nnd'1 shall be applied: first, to any prepayment charges due under the Note;second,to amounts payable under parngraph 2;
<br /> third,to interest due; fourth,to principal due;nnd last,to any tate charges due under the Note.
<br /> 4.Charges; Llens. Borrower shall pay all tuxes,assessments, charges. fines and impositions attributable to the Property
<br /> which may attain priority ovcr this Security Instrument, a»d leaschold payments or ground rents, if any. Borrower shall pay
<br /> these obligations in thc manner provided in paragraph 2, or if not paid in that manncr, Borrower shull pay them on time directly
<br /> to the person owed payment. Borrower shall promptly furnish to Lender all notices of umaunts to be paid undar this paragraph.
<br /> If Borrower makes thcse payments dircctly,Bunowcr shall promptly furnish to Lender receipts evidencing the payments.
<br /> donower shall promptly discharge uny 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 aaeptable to Lender; (b)contests in good faith the lien �
<br /> — by, or defends a�ainst enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of thc lien un agreement satisfactory to Lender subordinatin� the lien to
<br /> _-__— . this Security Instrument. If Lender determines tliat any pun of the Property is subject to a lien which may attain priority over
<br /> -- _- this Security instrument, Lender may give 9orrower a notire identifying the lien. Borrower shall sutisfy thc licn or takc one or
<br /> _.�„� ; more of the actions set forth above within IU days of the giving of notice.
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<br />'""`:v""� Form 3028 919A
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