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<br /> �-- TOOETH�R WITH�ll the fmprovememi raw a heroaRer erocted on the prqxrty. �nd+�K .�nd
<br /> 8xtu�u now os hercaRer r prrt of the property. Ait rep4cements and �dditioru ahall �lso bo covued by thin S�aitlty
<br /> Ia�Wma�t.AII ut'the farc�anQ t�r+e�erred to in ihis Securi�y icuurumeni a��i�e"�+ropany.-
<br /> BORROWBR COVENANTS tlwt Bc�rrowce ie lawfully seired of the estatc hercby wnveyed and haa the d�ht to Rn,nt�nd
<br /> canvey tUe Prc�perty u�d th�t the Propony f�unenrumberat,exapt for encumbrwias of roconi. Horrawer wurau�uw1 wlll
<br /> defaxi generutly the tide to the Property n��irtct rll cl�inu wtid don�nds,wbject to Any encumbronces of raoed.
<br /> TFIIS S�CURITY INSTRUMEMT combines unifonn coven�nts for natiotwl use and non•uniform covetuws wit6limited
<br /> �-------------� vtriNinm hy ju:isdiction to c»n+titnte n uniforn��udty in�trument onvering roal propecty.
<br /> UNIFORM�OVENANTS.Borrawer and I.cncler cnvcnant and agroc as follows:
<br /> 1. P�}�ment ot IMncipal and Interest; Prep�yment ond i.�te CfuirQee. Borrower shatl promptly pay when due tho
<br /> princlps4l qf�ix1 interest an the debt evidenced by the Note and any prcpayment und late charges due unde�the Nate.
<br /> _ — 2. FMNd�for T�xes and Inw►ranoe. Subjxt ta applicable law ur to a written waiver by Lender. Borrower shali pay to
<br /> Leoder on thc dxy monthly p�►ymcnts ere due undcr thc Note,until the Ncxe is paid in full.a sum("Funds")for:(A)ycarly taxes
<br /> �._�t_.._�_ _ ,__�.__ and Asscs.snnents which may attuin prfority ovcr this Sccurity Instrument as a lien on thc Prop�rty;(b)yearly Icaschold payments
<br /> — or graund rents on the Property,if any;(c)ycarly hazand or property insurance premiums;(d)yearly 8aod insuranre prcmiums.
<br /> i if any: (e)yearly mortBaBe insarance premiums, jf any;s�nd 1�any sums payable by Borrower to Lender,in eccordance wlth
<br /> `�� tfic provisions of paragraph 8. in licu of the payment of mortgage inwrance premiums.These items arc c�lled 'Escrow Items."
<br /> Lender may. at any time. rnllect a��d hold Funds in an amount not to exceed the ma�cimum amount a lender for� federally
<br /> ----- relatod mortgagc loan may rcquirc f�r Borrower's cscrow Account under the federal Real Estate Setd�ment Procedumc Act of
<br /> 1974 as amendod from timc to time, l2 U.S.C. Section 2601 et seq. ("RESPA").unlcss anothcr law that Applies to thc Fl�nds
<br /> - ,� - sets a tesscr amount. if so, Lcndcr may, at any timc, collcct and hold Funds in an amount not to cxcecd the lesser ameunt. --.
<br /> _ Lender may estimatc the amount of Funds due on the basis of cunent data and reasonable estimatcs of expenditures of tuture
<br />- Fserow Itrms or aherwicc:in accordance with applicable law�.
<br /> The Funds shall be held in an institution whose deposits are insured by a fcxlerul asency, instrumentality, or entity
<br /> (including L.ende�.if l.cnder is such an institutian)or in any Fecieral Home[.aan Bank.Lender shall apply the Funds to pAy the
<br /> ;, ,f � F.�crow Items. Lender may not charge Bormwer far holding arxi epplying the Funds.annnally analyzing the escrow account,or _
<br /> �• verifying the Fscmw Items,unicss I.cnder pays Borrower interest on the Funds and applicable law permits Lendcr to mafce such
<br /> - a chuge.Howcver, Lcnder may rcquirc Botrower to pay a one-time chugc for an lndependent real estate tax rcporting scrvice
<br /> usod by Lender in connection with this Ic�an, unless upplicable law provides otherwise. Unless an agroement is mude or
<br /> _' ' applicable luw rcquires interest to be paid, Lcnder shall not bc requircd to pay Bomower nny interest or camings on the Funds.
<br /> -= Borrower and Lcndcr may agree in writing, howcver,that interest shall t►c paid on the Funds. Lcnder shall sive to Borrowcr.
<br />__, =,� �;��,�,: �is4�sss cl�rge, an snnua! accuunting of the Punds,show':ng cmlits n.n!1 drF+it� to the Fundc and the Qurpose for which each ,
<br /> �;�, ..;;i�;�,:,; debit ta thc Fundc was rriade.The Fundx arc plodgud;is additional uxurity for all sun�s secured by this Security Instniment.
<br /> •��,^�}�'r;. '. � If the Funds keid by I.ender exceed the amounis pem�itted to be held by applicable Iaw, L.ender shall account to Borrower
<br />' ;�,;,.���,'::��,;, � . far the excess Funds in accordancc with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> ,;.il1;ii�,.;;,',�`_�.'s' time ic�x�t wfficient to pay the Hscraw Item�when due.I.ender mry su notify Borrower in writing,and,in such case Borrower
<br />�` ,j��'.'.::•-•$v�:+�: shall pay to [.ender the amount neceswry t�make up the deficiency. Borrower shall make up the deficiency in no more than
<br /> '°" ' �'�=•��'"�`'�"���` twelve rtxmthly paymcnts,at Lendcr's wle dixretion.
<br /> ��'"°'"""�``; Upon piyment in full of all wms uxurai by thix Securiry Instrument. I.ender shall promptly refund to Borrower any
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<br /> • .�,�M�.�,.. ..,..r,'. Funds held by Lender.If,under par•rgraph 21.Lender�hall acyuire or ull the PropeRy, Lender,prior to the acquisition or sale _
<br /> - ,.,k• y��A,.,„� of the Property,sh•rll app(y any Funds held by I.cnJcr ut the time uf acyuirition or w(c as a craiit against the sums secured by
<br /> �qq . . this Socu�ity Instrument.
<br /> -�� �,..:,;,,.. 3.ApplicAtion of P�yments.Unles�applicabic law pr�widcti utherwicc,all paynknts reccivcd by l.ender undcr paragraphs
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<br /> � 1 and 2 shall be applied: fint, to any prepayment charge.duc undcr the Note: uwond,tc�amounts puyable under puragruph 2;
<br />' ' third,to interest due;fourth,to principal due:and last,to any lute charges due under the Note.
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<br /> _�t,. . 4.Ctwrg�; l.iens. Borrowcr shall pay all tuxe,, •r�x,timentti,charges. f3nr�and impo�itionti attributuble to the Property
<br /> . which may attain priarity over this 5ecurity lnrtrunxnt. :►�xi leatiehulJ payment�or gmund rentx, if any. Borrower shall pay
<br />"'� ' � thcse obli ations in the manner roviJed in ar,� ru h 2.or if nut �iJ in that manncr. Bormwcr.hall r�them on time dircetl
<br /> . •.•.. . 8 P P' F P P' P') Y
<br /> �?'���''�'. � ' � � to the penc►n owed payment. &�rcowcr+hall promptly furnitih to I.rnJer atl n�uic�+of aroount,to Nc paid under this paragraph.
<br /> �'� ' '• • � If Borrower mukes these u mentx dimctl &rrrower ahall rum d furni�h ti�[.ender rccci ts e�•idencin�the ments.
<br /> ` �:(�.;:;: P Y Y• P P Y p b P�Y
<br /> 8orrower stull promptly dischargc any licn w�hirh has priority over thi,Serurity In.trunnnt unless Burcower: la)ugrc�es in
<br /> 1� �^ fi"� ':^���� writing to the payment of the obligution secur��i by the lien in a mamxr arceptaMe to Ixndcr, �b)contests in good tuith the licn
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<br /> " ���ti by, or defends ag•rimt cnforccmcnt of thc licn in. IcFil prck�ti�ding� whirh in thc I.endcr'. ��pini�m ��per.tte to prevcnt thc
<br /> - enforcement of the lien;or(c)securer frum thr huld�r nf the lien an agreement ,•rusfactory tei LenJer�ubottlirwting the lien to
<br /> r• ~ ,:::T`• � this Sccurity Instrument. If L,cndcr dctcrminr�that any part of thc Property i.�uh�rct a�a Iicn whirh may acwin priority ovcr
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<br /> � . this Security Instrumeni. Lendcr may giv�: S��rrowcr a noticc idrntifying the licn. i3�rrowcr.hall sati.ty thc lien ar C�{;e o��e or
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<br /> ;;;- , �_+!�: more of the actions set forth.►bove within 10 Jays�if the giving of notice. _
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<br />�: �� Fam 3028 �1�0 F
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