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<br /> TOCl�THER WITH ull thc improvcmcnts naw or hercafter erccted on the praperty, and ull eu..r�nt�����es,an�
<br /> fixtures now or hereafter u paR of the property. All rcplUCements and odditions shall AISO be a�vered by this Security
<br /> Instntment. All of thc foregoing iz refe.rred to in this Security Insirum�nt us thc "Pmperty."
<br /> BQRROWER COVENANTS thut Banower is lawfully seised of the estate hercby conveyed and has the right ta grant and
<br /> canvey the Property and thut the Property is unencumbered, except far encumbrances of record. Borcower wnrrunts and will
<br /> defend generally the title to the Propeny aguinst�11 claims and demands,subject to any encumbrances of record.
<br /> THIS SECURITY 1NSTRUMBNT combines unifarm covenunts for nationul use and non-uniform covenunts with limltP,d
<br /> vuriutions by jurisdiction ta constitute u unlform security instrument covering reul property.
<br /> UNIFORM COVENANTS. Borcower und Lender covenant nnd ugree as follows:
<br /> 1. Payment of Pr(netpal and Interest; Prepayment Qnd Late Charges. Borrower shall promptly pay whcn due the
<br /> principal af and interest on the debt evidencod by the IVote and any prepayment���late ch:uges due under the Note.
<br /> 2. kttads far Taxes and Insucance. Subject to appticable law or to a written waiver by Lender. Borrower shull pay to
<br /> Lender an the day manthly payments arc due under the Note,until the Note is paid in full,a sum("Funds")for:(a)yearly taxes
<br /> and assessments which muy atGvn priority aver this Security Instrument us a lien on the Pn-►perty;(b)yearly leasehold paycnents
<br /> or ground rents on the Property,if any; (c)yearly hazard or property insurance premiums;(d)yearly flocid insurance premIums.
<br /> if w�y; (e) yearly nwrtgage iusurance premiums. if any;and(�any sums payable by Bonan��r ta I.ender, in accordanre�vith
<br /> the provisions of paragraph 8, iu lieu of the payment of mortgage insurance premiums.These items are cnlled "Escrow Items."
<br /> Lender may, at any time, collect nnd hold Funds in an a�nount not to exceed the ma�cimam am�unt a lender for a federally
<br /> related mortgage loan may require for Borrower's escrow account under the federal Reul Estste Setdernent Proceduns Act of
<br /> 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"l,unless unc�ther Iaw that applies to the Funds
<br /> sets a lesser amount. If so, Lender muy, at any time. collect and hold Funds in s�amount not to exc�ed thc lesser Amount.
<br /> Lender may estimate the amount of Fuads duc on the basis of current data and masonable estimates of expendltures of future
<br /> Escrow Items or otherwise in accordence with applicable law.
<br /> • The Funds shall be held in an institution whosc deposits are insured by a federnl agency,instrumentallty. or entity
<br /> (including Lender,if Lender is such an institutIon)or in any Federal Home L.oan Bank.Lender shall epply the Fitnds to pay the
<br /> Escrow Items.L.ender muy not charge Barrower for holding nnd applying the Funds. annually analyzing the escrow account,or
<br /> - vs�rlfyi�g tl:c Escm;a;Ii�ms. u�l,;.,�Lender pa;s Y.,^^�:ver interesi Qn th�Fands end agpliC3L�IP IflSY�R!'[l12�L L.!�II�pC�O I�_�P CIIC�
<br /> a char�e. However, L.ender may reyuire Borrower tu pny a oree-dme chnrge for an independent real atate tax reporting service
<br /> . , used by L.ender in connection with thls loan, unless applicable lew provides otherwise. Unless en agn�:ment is mnde or
<br /> ' � appliatble law requires interest to be paid.Lender shull not bz mqaircd to pay Bormwer any interest or eamings on the Funds.
<br /> Borrower and Lendar may agree in writing, however. that fnterest shall be paid on the Funds. Lender shnll give to Banuwer.
<br /> �•� without charge, en unnual accounting of the Funde, showing credits and debits to the Funds and the purpose for which each
<br /> ' debit to the Funds was made. The Funds are pledged as additional security for all snms secured by thls Secutity Instrument.
<br /> ,' If the Funds held by Lender exceed the amounts permitted to be held by applIcable law, L.ender shall account to Borrower
<br /> ' far the excess Funds in accordance with the requirements of a�plicuble law. If the amount of the Funds held by L.ender at any
<br /> �� time is not sufficient to pay the Escrow Items when due,L.ender may so notify Borrower in writing,and.in such case Borrower
<br /> � shall pay to Lender tha amount necessary to make up the deficiency. Bonower shall make up the deficienty In no mon than
<br /> -t twelve monthly payments,at x.cnder's sole discretion.
<br /> 1. Upon puyment in full of all sums secure�i by this Securiry Instrument, Lender shall prom�tiy rtfund to Borrower any
<br /> � Punds held by I.ender.If,under paragraph 21,I.ender shall acquire or sell the Property,Lender,prior to the acquisition or sale
<br /> of the Property, shall apply any Funds held by Leader at the time of acquisidon or sale as a creciit ageinst the sums secured by
<br /> " this Securlty Instrument.
<br /> � 3.Applkatlon of�'ayments.Unless applicable(aw provides otherwise,all payments received by L,ender under parngraphs
<br /> 1 and 2 shull be appli�: first.to any prepayment charges due ander the Note; secbnd,to umounts payaDle under paragraph 2:
<br /> ' - third,to intsrost due; fourth.to principal due;and last.to any late charges due under the Note.
<br /> 4. Charges;Ltens.Borrower shall pay all texes.assessmenis,charges,fir�es and impositions attributable ro the Property
<br /> whtch cnay attain priority over this Security Instrument, and leasehold payments or ground rents. if any, Borrower shall pay
<br /> these obligations in the munner provided in paragrnph 2,or if not paid In that manntr.Bonower shall pay them on time dlrectly
<br /> to the person owed payment. Borrower shall promptly fumish to L.ender all noticcs of amounts to be paid under this puragraph.
<br /> ' If Bonower mskes these payments diroctly,Borrower shall prompdy furnish tn Lender receipts evidencing the paymcnts.
<br /> � Borrower shall prompily discharge any lien which has priority over this Security Instrument unless Borrower: (u)ngras in
<br /> ; writin�to the payment of the obligation secured by the Ifen in a manner acczptable to Lender; (b)contests in good faith the lien
<br /> by. or defends against enforcement of the tien in, legal proceedings which in the Lender's opinfon operate to pr�vent the
<br /> � enforcemont of the Ilen;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to
<br /> this Security Instrument. If I.ender detemtines that any part of the Property is subject to a lien which rnay attpin priortry over
<br /> , this Security Instrument,Lcnder may give Borrower a notice identifying the lien.Borrower shall satisfy the licn or take onc or
<br /> ' more of the actions set forth above�vithin]0 days of the giving of notice.
<br /> Form 3028 9180
<br /> " Pspe 2 of 6
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