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<br /> ;� .�� T023ETNER WITH all the imprnvements naw or hereufter erecte�t on the propeny.und uU cu+cmcnts,uppunenunces,und
<br /> ,,�.. fixtures now or hereatter a part ot the property. All replacements nnd uddiduns shal! ntsc� be rnvemd by this Security _
<br /> _:_,� lnstrument.All vf the foregoing is refernd to in this�ecu�ity instrwnent us the"Pn�perty."
<br /> '. � BORRUWER COVENANTS that Borrower is Inwfully selscd af thc estate hcreby c��nvcycd and h�ss the riQht to srunt und
<br />� � •�. wnvey the Property und that the Property is unencumbered, except fn�encumbrunces af rcc��rd. Bc►tn�wcr �varrnntx mid will
<br /> • defend generally the title to the Property usainst all cluims and demnndc,subject ta any encumhrunces uf record. _
<br />__.,w,�, THIS SECURITY INSTRUMSNT cumbines unifonn cuvenunts!or nadimal use unJ non-unitimn covenants with limited
<br /> ' ;� vurintions by Jur�sdiction to consdtute�uniform secutity I�strnment covertng re.�+l pmperty.
<br /> UNIFmRM COVENANTS.�3orrc�wcr and LcnJcr cuvcn;u�t and ag�ec as follo�vs: �
<br /> ';:;.,,_� �. 1. Yayment oi Principal and Interest; Prcpayment and I.ate ChstrR�.w. Barmwer shuti pramptly pay when duc the
<br /> -=� principal of ana interest on the debt evidenced by the Nate and any prepayment und latc char�cs duc under the Note.
<br /> �-�_,: � 2. Furtds for Ta�tes and Insuramce. Subject ta applicable lu�v ur M u written waiver by [.ender. Borrower shatl pay to
<br />-°"� Lender an the day monthly payment�are due under the Note,uatil the Naie is paid in full.o sum("Fundx"?for:(�►)yauly tnxes
<br /> . _'�, •� attd assessments which may attain pd�rity over this Seturity Instrument as a lie�on the Prc�perty;(b>yenrly lea.ehald payments
<br /> �'.,;•�; or ground rents on the Property,if eny:(c)Ycariy huzard ar pmp�rty insumnce premiums:(d)ycurly flcxnl in*umnce pmmiums. _
<br /> �' "� if any; (e)yearly martgAge insums�ce pmmiums. if any;and(�any sum.s puyuble by Bomuwer to Lendor, in ucxordance with
<br />'��,4�?ti��:'` the pmvlsionsof paragraph 8. in lieu af the p.�yment of mortgt�e insurant�a premiums.These items uro calted"Escrow Items."
<br />-�-�;°;�`t;�„'� I.ender tnay. at any time. collect and hold Funds in an amaunt nat ta oxcced the moximum umount a lender for a fe�eraily
<br /> �;�',�t..;, � related mortgage loan may requir+e for Borrower's escro►v uccaunt under the federal Reul Sstute Settlement Procedures Act of
<br />__���"j�;�_, 1974 as amended frora time to tima,l2 U.S.C. Section 2bU1 et seq. ("RESPA"),unl�unother luw that appties to the E�unds
<br /> sets a tesser amount. If so. L.ender may, at any time. collect and hold Fuads In en amount nat to exceed �he lesser amouat.
<br />�=':�:"��.` • I.ender may estimate the amount of Funds due on the basis of current data and reasonabie estimatc�of tlxpendiwres of future °
<br /> �:'��}k'�A.� Escrow Iteuuxs or otherwise jn acoordance wlth applIcable law.
<br /> a' � � The Funds shall be held in nn institution whose d sits are insured b a federnl a en ty. or endty
<br /> � y g cy. instrumentuli
<br /> -��_�.�` (irts4az�ietg Lender.if Lender is suchun instirution)or in any Federal Home Laan Bsinlc.[.ender shall apply the�nds to pay the
<br /> "'T"�'� Esce�pw��te�s.Lender may not charge Borrower for holdIng and applying the Funds.annually analyzing the esemw a000unt,or
<br />`�''v%��'� veriffyira$t14e Fsrro�v Items,wiless Lender pays Bomower interest on the Funds and applicable law permit�Lender to make such
<br />'-'"�� a cfuuge.}6o�tq�zr,3.eader may require Barrower to pay a one-time charge for an independent real estate tax reporting service
<br /> . asea6 by I.eaydea;-�a connection with this loan, unless sippltcable law pr�vides otherwtse. Unless an agreement is made or
<br />`�1�i,_ applicablelaw t•.quires intetesR to 6e paid. Lender shall not bs reguired to pay Borrower any interes�or eamings on the Funds.
<br />-�=�.�r� Borrower and Lender may agarae ix�writing�however.that intemst shalt be paid on the Funds. i.ender shall give to Bomnwes,
<br /> ---- -- vrlthout chaage.-a�►s�n�ual accountiag of the Funds, showIng credits and debits to the Funds and the purpose for which eacDn .
<br /> _,�y-:� debit to the �uaiis v�as made.i he Ivncis are pledged as additionat aa.-uriiy fo�'nii suris�ut�i!sy tltis°.�ccu, �ity Issotsussxtst. i
<br /> - - ,If the Fund��h�ld by I.ender exceed the eraounts permitted to be held by applicable law.I,ender shall eccouae to Hornower
<br />- - = fo;g�h��¢xcess Funds in accordance with the requireime�tcs�of�pplicable law. If the araount of the Funds hetd by II�ueder at any
<br /> -- tim����ot sufficient to pay tl�e Escrow Items when due;���x may so nottfy Borrower in writlns,and.in s�cch case Bomower
<br /> shall pay to I.ender the amount neassary to make up ttie�ciency. �orrower shal!make up the de�ccieBCy in no raore than
<br />" -� twelve monthly.payntents,at L.ender's sote diecretion.
<br /> Upon payme.nt in full of all sums secured by this Sxcueiry instrument. i.ender shall promptly rcfund to Borrower any
<br /> Funds held by Lender.If.umtEer paregraph 21,Lender shall acquire or sell the Property.Lender,prior to the acquisition or saie
<br /> ,-- --- of the Propetty. shall apply aznjr�uads held by L.ender at the time of acquisition or sale as a credit against the sums secured by
<br /> ------ this Security Instrytuent.
<br /> � � � 3. Appltca48o�qf Payments.Unless applicable law provIdes otherwise,all payments received by Lender urtder paragraphs
<br /> � 1 artc�2 shall ba'�pplFed:fiist, to any prepayment charges due under the Note; second.to amounu payable under paragrapb 2;
<br /> thi'v�.im;lnterest due;fourth,to principal due;aad last,to aay late charges due under the Note.
<br /> "•? ��_";C#a�es;Ltens.Borrower shall pay all ta�tes.assessmeats. charges, fines and impositions umibutabie to the Property
<br /> i wti�ah smdy �ltaea��Iprity over this 5ecurity Insttumenj,,.pnc�leasehold payments or groand rents. if any. Borrower shali pay , -
<br /> thesa'o�i�lgatioiisein ii�C;manner provlded in paragraph 2.uor if.aot paid in that msinner,Borrower shall pay them on time dinectYy
<br /> to the persvn owed puyrnent, &mrower shail pr��pily f�vmish W Lender all not�ces of amounts to be paid under this para�raph. . '
<br /> -- -- If�2�Yt+ower mnkes these pay�en�i 8i�+ectly.Bort+bwer shaIlfl y�romptly furnish to Lender receipts evldencing the paymenu.
<br />`���;� `' •��orrower shall pmmptly i�isc�arge any lien which has priarity over this Security Ic�stcument unless Borrower:(a)agrees In -
<br /> writing to the payment of the otiitga�on secu�ed by the lien in a manner acxeptable to Lender;(b)rnatests in good faith Ute Iten . ,
<br /> � by. or defends agalnst enforcement of the I�ea� in, legal proceedings which in the Lender's opinion operate ta prevent t�he
<br /> • enfonement of the t[en;or(c)secures ho�t$o�holder of the lien an agt+eement satisfectory to Ixnder subordinating the lien to
<br /> ' ' tltis SeCUdty Insttument. If Lender determines that any part of the Pmperty is subject to a lien which may ututin priority over
<br /> tlits FSecurity Insuument,Lender rnay give Borrower a nodce idendfying the lien.Borrower shall satisfy the llen or w�ke one or
<br /> rttote qf the uctiains set forth above wiWin 10 days of the giving of notice.
<br /> � . � Form 3028 9/9D
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