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<br /> . � • ._ TOCiETHER WITH nU the improvements now or hereafter erected on the praperty,and all easemenGg,uppurtensu�ces.and
<br /> _-� ftxtures now or hereafter a part of the property. All repl�cements and udditions shuli ulso be cavcred by thic+ Secudty j
<br />- .> .,�;•�� Instrument. AU of thc fo�going is refermd to in this Security•In�u'ument as the"Property." ;
<br /> •� .,4 BORROWER COVENANTS that Bonawer is Iawfully Waised of the cstatc hcreby canveycd unJ hus the right t4 b�ant and '
<br /> • canvey the Praperty and that the Property fs unencumberod. except for encumbrances of mcord. Bonower wnrrnnta nnd wtll �
<br /> defertd genetully the title to the Property a�ainst all cleims and demands,subject to any encumbrnnces of recorct. ',
<br />•"�:�:�'�H '� THIS SECURITY 1NSTRUMBNT cambines unifarm covenants for nnttonal use and nan-uniform cavenunts with Iimited
<br /> vuriutions by Jurisdiction to constitute u uniform secudty instrument covering reul property.
<br /> UNIFORM COYENANTS. Botrower and Lxnder covenunt artd agree ac fol lows:
<br /> :�;,�r �..,�! l. Payment of Prirtcipnl and Interesh Prepayment nnd I.ute Churges.Borrower shull promptly pay when due the
<br /> principul af and interest on the debt evtdenced by the Note and uny prepayment und Inte charges due undor the Note.
<br /> 2.Funds for Toxes und Insurance. Subject to npplicablc law or to a written wniver by Lender, Borrower shall pay to
<br /> - - Lender on the day monthly payment are due under the Note.until the Note is paid in fuQ,a sum("Funds")for:(a>yearly uixes
<br /> ` nnd ossessments wh(ch may attoin pdoriry over this Socurity [nstrument as a lien on the Property;(b)yearly lcasehotd payments
<br />�'1`..' �. or ground rents on the Propeny,if any;(c)yearly haurd or pmperty insurance premiums; (d)yearly flood insurance premiums.
<br />�n;F,� � if any;(e) yeurly mort�age insurance pmmiums. if any;and(�any sums payable by Borrower tn Lander. in accordance with
<br />- "� ' �� the provistons of paragraph 8.in lieu of the paymentof mortgage insurance premiums.These itsms er�celled"F.scmw Items."
<br />� • � Leader may.at any time, collec3 anc�hold Funds in an amount not to exceEd the cnaximum amount a lender for a.federelly
<br /> � related mortgage loan may require fvr Borrower's escrow acrnunt under the fedetal Rettl Estata Settlement Prooedut�es Act of
<br />,;;;'�';=>�. 1974 as emended from time to dme, l2 U.S.C. Sectbn 2601 et seq. ("RESPA"),unless another law that applies tq the Fannds
<br /> '`��`�:•- se2s a lesser amount. If so, I.ender may, at any time, collect and hold Funds in an amount not to exceEd the lessar surtount.
<br /> �'`� ��r' Lender may estimate the amoant of Funds due an ttie basis of curnent data and .reasonable estimates of expenditures vf fvtune
<br />--``'-� ``�-` Escrow Items or otherwise in accordar�ce with applicable law.
<br /> T3�e Funds shall be held in am institution whose deposits are insured by a federal agency, instnunentality, or entity
<br /> °�-���'!� __ (including Lencler.if Lender is such an insdtution)or in any Federal Home Loan Bank.C�ender shall apply the Funds to pay the
<br /> ���:�•-;. � Escrow Items. Lender may not charge Borrawer for holding and applying the Funds, annualiy analyzing the escrow acoouat,or
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<br /> r,,�. verifying the Escrow Items,ualess Lender pays borrower interest on the Funds and applicable!aw�oenmits Lender to make such
<br />--';=;,t'f a charge.However. Lender may rc,qu ire Borrower to pay a one-time charge for an independent real estate tau reporting�service
<br />`:`�,�'�;_ used by L.ender in connect€on with this loan. unless applicable law pnovides ahenvise. Unless an agre�ment Is made or
<br />:_„�ta:,�.
<br /> ___ ��,►y, applicable law requires interest to be paid.Lereder shdl not be requie+ed to pay Borrower mny interest or eamings on the Funds.
<br /> __=-- Borrower and[.ender may agtee in wriring,however,that interest shall be paid on the Fuads. L.ender shall give to Borrower.
<br /> �_'�-=° without charge,an annual acoounting of the Funds,showinR credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.The Funds are pledged as addisional security for all sums secumd by this Security Instrument.
<br /> ,�::�~-�' E€the Purtds held b I.endtr exceed the amounts rmitted to be held b a I�cabie law. Lender shall account to taormwer
<br /> ,�.,�;L�� Y Pe Y PP
<br /> for"•Pa�excess Funds in accordance with the reyuirements of applicable Iaw. If the amount of the Funds held by Lender at any
<br /> — tutte�ns not sutttetent to pay me�scrow t[ems wnen due,iender may so noury no�wer in wriw�g.d�u.iu�u�i►uuc av�.uwc�
<br /> ,____=— sh�ll pay to I.ender the amount ncxessary to e►�ake up the defiriency. Borrower shall make up the deficiency in no more than
<br /> ----- twelve monthly payments,at I,endrr.'s sole discrerion.
<br /> -r;,,.�o;o� Upon payment In full of�na4 sums secured by this Securlty Instrument, I.ender st�all p�mpdy refund to Borrower any
<br /> Funsls hald by Lender.If.under pamgraph 21,L.ereder shall aoquire or sell the Property,Lender.pdor to the acquisition or sale
<br /> of the P�Upert}(,shall apply any Funcis held by Lender at the tlme of acquisition or sale as a credit against the sucns secu�+ed by
<br /> --- • this$e�tirlly�sesu.mEnt.
<br /> �..App�ics4imm of Payments.Unless applicablc law provides otherwise.all paycnents received by Lender under paragraphs
<br /> 1 apdf 2.yhaU be ap�ilied:first,to any prepayment charges due under the Note; semnd,to emounts payable under paragraph 2;
<br /> thir�,to'lnterest due;fourth,to principal due;and lau, m ar�p tate charges due under the Note.
<br /> 4.Charges;Liens.Borrower shall pay all tax�s. asse�sments.charges.fines and impositions amibutable w the Property
<br /> - which may attain priority over this�ecurity lnstrunxnt,and leasehold payments or ground rents. if any. Borrower shall pay
<br /> -- these obligations in the manner pmvided in paragraph 2,or if not paid in that marmer.Borrower shall pay them on ume directly
<br /> °:��'�s ` to the person awed payment.Horrower shall promptly furnish to Lender ali notices of amounts to be paid under this paragraph.
<br /> --•��-- If Borrower makes thes�paymants directly.Bomower shaU promptly fumish to I.ender reoeipis evidencing the paymenu.
<br /> ��— Borrower shall promptty discharge any lien which has prtority over this Security Instrument ualess Borrower:(a)a�s ia
<br /> � �. wrtting to the paymem of the obligation secured by the iien in a manner aooeptabie to Lender:(b)�ntests in goad faiih tho licn
<br /> � by, or defends against enforcement of the lien in,legal proceediq�s wh9ch in the Lender's opinion operate to prevent tite
<br /> enforcement of the lien;or(c)secures from the holder of the lien an.�gXeement sarisfactory to Lender subordinating ehe lien to
<br /> - this Security Insuument.if Lender detemunes that any pact of thc Property is subject to a lien which may atmin prioriry over
<br /> -==-— this Security Insuument.I.ender may give Bornower a notice identifying the lien.Borrower shall sadsfy thB tien oi lake one or
<br />--'�_��'� mone of the actions set forth above wnthin 10 days of the giving of notice.
<br /> -�'_�-�� Fomt 3028 8f80
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