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<br /> TQdETH�R�✓ITH all the improvements now or herenfter erccted on thc property. u►x1«II c:uements.+►ppurtcnunres,und
<br /> f xturcs now or hereafter a part of the property. All rcplucenxnts und additions shull ulso be c��vered by this Sccurity
<br /> Instrument. All of the foregoing is refcrrcd tci in this SecurUy�Piy`ru`n`�„cshac Pcr bytcc�nvcycd and has thc right ta griint und
<br /> BORRUWBR COVENANTS t{iut Durrc�wcr is la�vfully �-_
<br /> convey the Property and thut the Property is unencumbercd, cxrept for encumbrunces af rccard. Burrower warram� ui��l will
<br /> detend generally the tide ta the Property+►gAinst ull cluimti nnd demund+.�ubJect to iuiy enrumhrances uf recurd.
<br /> THIS SECURITY INSTRUM�NT combines unifonn mvenuntti for nutionnl use and ncm-uniform covenants with limited
<br /> vuriations by jurisdictian to constitute a uniform security instrument covering reul property.
<br /> UN[FORM COVENANTS.13orrnwcr and Lender cment And LaterCharRes�Bonowcr shall pramptly puy when due the
<br /> 1. Payment of Prtnct�wl and Intcrcst; Prepay —
<br /> principal of und interest on the debt evidenced by the Note and uny prepayment and Iate churges due under the Note.
<br /> 2. Funds for Taxes and Insuraetiee. Subject ta applicab:e t�w or to a writter►wsuver hy L.ender. Borrower shull pay to
<br /> L.ender on the day mondily paymen�s are duc undcr ttie Note,untit the Notc is puid in full.n�.su���"�unds")for:(u)ycar�Y taxes
<br /> and assessments whicl�niay attain prtority over this Securicy Instrument as a lien an the Pro rt • (b)yeurly leusehold payments
<br /> or ground rents on the Property,if any:(c)yearly hazard or property insurance premiums:ld)yearly fload insurance premiums.
<br /> if any: (el yearly mortgage insurnnce premiums,if any; und (�uny Sums PaYable by Borrower to l.endor, tn accordance with
<br /> the provisions of paragraph 8,tn lieu of the paymenc of mortgage insurance premiums• Th��'1te������"Escrow Items."
<br /> i,ender may. at any time,collect and hold Funds in an amount not to exceed the maximum amount u lender for a federally
<br /> relate�t mortguge loan may require for Borrower's sscrow account under the federnl Real Estute Senlement Pracedures Act of
<br /> 1974 as amended from time to time, 12 U.5.C. Section 2601 et seg.("RESPA"). unless another law that applies to the Funds
<br /> sets a lesser amount. If so. Lender may, at any time, collect nnd hold Funds in an amount not ta exceed the lesset emount.
<br /> L.ender may estimate the amount of Funds due on the basis of cucrent data and reasonable estimates of expenditures of future
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shull be held in an institutton whose deposits are insured by a federal agency. instrumentality. or entity
<br /> (including I.ender. if L.ender is such an institution)or ln any Federal Home Loan Bunk• L.ender shall apply the Funds to pay the
<br /> Escrow Items.Lender may not charge Borrower for holding and applying the Funds,annualty analyzing the escrow account,or
<br /> verifying the Escrow Items.unless Lender pays Ronower interest on the Funds and appliable law permits L,ender to make such
<br /> a charge. However.Lender may require Fsorrower iu pny a unc-=irne charae for an independent real estace cax reporttng service
<br /> used by Lender in connection with this loan, unless appllcable law pmvides otherwise• Unlcss an agreement is made or
<br /> ; appltcabte law requires interest to be paid.LenQer shall not be required to pay Borrower eny Interest or earc►Ings on the Funds.
<br /> ` Borrowcr and Lender may agree in writtng,however, that interest shall be paid on the Funds. Lender shall�ivf i����ch
<br /> ' without chnrge, an annual acoounting of the Funds,showing credits and debits to the Funds and the Purpo
<br /> debit to the Funds was cnade.Thc Funds aze pledged es additia�w!security for a1�ii ble nw,Lender sha�ll account o Borrower
<br /> If the FuMls held by Lender exceed the amounts pern�itted to be hcld by upp
<br /> - for the excess Funds in accordance with the requirements of applicable]nw. If the amount of the Funds held by Lender at any
<br /> time is not suf6cient to pay the Escrow Items when due.l.ender may so notify Bormwer In writing,end,In such case Bonower
<br /> shalt pay to L.ender the nmount necessary to make up tbe deficlency. Borruwer shall make up the deficiency in no more than
<br /> '• twelve monthly payments.at Lcnder's sole discretian.
<br /> ' Upon payment in full of all sums secured by this Security Instrument, L.ender sh��c pritor o ttie acqui�sidon or sale
<br /> . Fumds hcld by Lender.If.under paragraph 21,Lender shall acquire or sell the Property.
<br /> ' of the Pruperry, shall apply any Funds held by Lender ut the dme of acqu�s�tion or sale as a crodit against the sums sxurod bY
<br /> this Security Instrument.
<br /> all payments receivai bY Lender under paragraphs
<br /> 3.Applkation of Payments•Unless appltcable law pravldes otherwise.
<br /> . t and Z shall be applied: first.to any prepayment churges dua under the Nou: second.to amounts payable under parngraph 2;
<br /> third,to interest due;fourth,to principal du�;and last.to any late charges due under the Note.
<br /> 4.Charges;Liens. Borrower shall pay nll taxes.assessments,charges.fines and imposirions attributable to the Pcoperty
<br /> which may attain priorlty over this Securiry Instrument,and leasehold payments or gmund rents. if any. iiorrower shall pay
<br /> these obligations in the manner provided In paragruph 2,or if not paid in that manner.
<br /> Borrower shall pay chem on Wne dirxtly
<br /> - to the person owed payment.Bonower shall promptly fumish to Lender aU notices of amounts to be paid under this paragraph•
<br /> If Borrower makes these payments direcdy.Bonower shell prorriptly fumish to L.ender receipts ev[denciag the payments.
<br /> Borrower shall promptly discharge any licn which has prtoriry over this Security Instrument unless Bonower: (a)ugrxs in
<br /> ` writing to the payment of the obligation secured by the lfen in a m�nner acceptable to Lender:(b)wntests in good faith the lien
<br /> , by. or defends pgainst enforeement of the licn in, legal proceedings whlch in the Lender's opinion operate to prevent the
<br /> enfarcement of the lien; or(c)secures fmm the holder of the Ilen an agreement satisfACtory to I.ender subordinating the liece to
<br /> this Security Instn►ment. if Lender determines that any part of tlu Property is subject to a Iten whlch may attain priority over
<br /> _� this Securtty Instrument. Lender may give Bonower a notice idendfying the lien.Borrower shall sat[sfy the lien or take one or
<br /> more of the actions set forth above within 10 days of the glving of notice.
<br /> Form 3028 9/�0
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