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<br /> TOC3ETH�R W1TH�II thc improvrnxnts raw or hereaRer erated on the property.and all easements.oppurtcn�nca,w�d
<br /> fiaturea nuw un c�reafter a part of thc property. All rcplACxment� and wdditiona sholl �I�o be oovored by thir 5acurity
<br /> In�trument.All of thc for�egoin�is roferrod to in 1hi�Secu�ity instrumcnt�the'Propeny."
<br /> BORROWER COVENANT311wt Bortower is lawfully sciised of tho crawtc hcr�by convoyod end has ttie ri�ht to�rant iud
<br /> — convey the Propeny w�d tlwt th� Property iR unencumberod.eacept for cncumbrancen af rernrd. Bonrwcr wrmn�ancl wfll
<br /> , dofend gena�lly the title to tho Propeny again�t all cluims und demaruls.subject to any encumbrnncc�of record.
<br /> "�� THIS SECURITY INSTRUMENT combines unifonn covetu+nts for ru►tiarwl ure and non•uniForm cavetwnls wi�h limited
<br /> --� " verirtiona by Jurisdiclian ta constitute o uniform secu�ity instrument cover�ng real pmperty.
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<br /> "`= ��� •��� UNfFORM COVENANTS. BoROwer And l.ender wvenant c�nd ugree as fo�lows:
<br /> .�� 1. PAyment oi Princip�d And Interestt Prepoyment pnd I.Ate Charges. Bc�rmwer s h a l l prompt iy pay w h en dua t h e `
<br /> '"�' princips+l of and intercst an the debt evWenoecl by the Note und uny prepayment and lule churges duc under the Note.
<br /> • � � �' 2.Fumie for TAxes�nd Insurnnce.Subjert ta applicuble law or ta u written waiver by l.endcr. Borrower xhull pay to
<br /> � l.ender an�he day monthly payments are due under thc Nate.until the Natc is pnid in full.a sum("Funds')ior: (u)yearly ta�ces
<br /> °���"� �r►d u�sessments which may nttuin priority ovcr this Secu�fty Iostrument As u lien on Ihe Property; (b)yearly leasehold payments
<br /> ��--....� or ground rents on the Property,if any;(c)yearly heznrd or property insurance premiuma;(d)yearly ftood insurance premiums.
<br /> �- -_�=,...�,.�
<br /> �_;1,�.-�. � - . if nny; (e)yea�ly mortgAge insurunce premiums, if any;and (�any sums puyuble by Barrower to L.ender. in accordance wilh
<br /> the provision:of paragrnph 8.in lieu of'the puyment uf mortguge insurance premiums.These items are called "Escraw Items."
<br /> ".4i..1';•
<br /> _ `' � � Lender muy, nt any time. rallect und huld Funds in an amount nat to exceed the mnximum nmount a lender for a federally
<br /> ���r� T�+m�-�;�,�: rclvted mortgage Icwn muy require for BoROwer's escrow acrnunt under the federal Real Es�are Seulement Procedures Act of
<br /> ,�� r'��"��'� � ' ' 1974 us anxnded fram time to time. 12 U.S.C. 3ection 2601 e�seq. ("RESPA"),unless anather luw that applies to the Funds
<br /> =��, ti,.,�._ . ....�s::.�: '
<br /> ` � � " `:''.�� sets a lesser amnunt. If so, L.ender may. at any time, collec�and hold FundF in an amount not to exceed thR lesser amount.
<br /> � °��� 'v�; [.endcr may cxtimnte the umounl oP Funds duc on Ihe basis of currenl datu and rca.cmaMle eaUmates af expenditures of future _
<br /> .� "` •���. .� Eserow Items ar otherwise in accordance with applicable luw.
<br /> °' " ° The Funds shnll be held in an institutian whosc deposits ure insured by u federnl agency, instrumentality, or cntiry
<br /> � ,.. n n�.•.� •
<br /> • , 4 . (including I.ender,if Lender is such an mctitution)ar in uny FederAl Home Loun Bank. I.enJer shall apply ihe Funds to pay thc
<br /> • „ Bscrow items. I.ender muy not charge Borrower for holding and upplying the Funds,unnually unulyzing the escrow acrnunt, or
<br /> "` , ' ,, ,•� verifying the Escrow Items,unless Lender pays Borrower inlerest on the Funds and applicuble law permits l.ender to malce such
<br /> +�� ` a charge. However. Lender may require Bnrrawer to pay a one-time charge for an independont real estate tar repohing service
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<br /> ' � , used by l.ender in connectian with this loan, unless applicnblc law provide� otherwisc. Unless an agreement is mnde or
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<br /> ' �,��,,,,_„�,,.,��',,,; ,• applicable law requires interest to he paid,Lender shall not be required to pay Borrower pny interest or earnings on the Funds.
<br /> � � � � Horrower and Lender may agrec in writing, hawever, that interest shall bc paid on the Fundg. l.endcr shsll givc to Borrawcr,
<br /> �r.:i.'x�,:1: :�..�;
<br /> „ �- . • wilhout charge, un annuul aca�unting af the Funds, showing cr«litg and debits to the Funds and the purpase for which each
<br /> ,_ ���'��=�,-�-_.=_'-�-_='_�'-_- - Qeblt to the Funds w�s mnde, Th?Fuod�nre pledged as additional securi�y for�II sums secured b,y this Securlty Instrument.
<br /> ,�, .,,._ :.
<br /> � ° '.,ti If the Funds held by l.ender excecd the amounts permitted la bc held by uppli�ublc law. Lender shall account to Bonower
<br /> , for the excess Funds in uccordance with the requirements of up�licuble law. IP the amaunt of Ihe Funds heM by l.ender ut any
<br /> " ," " time is not sufficient to pay the Eacrow Items when due, L.cndcr mny ro natify Borrower in writing,a�xi,in such casc Borrower
<br /> ' "������ shall pay to L.ender the amount necessury to make up the deficiency. BaROwer shall make up the deficiency in no morc than E
<br /> • • � • .. � ; twelve monthly paymentr�,nt Lender's sole Jiscretion.
<br /> i ;; � •� Upon payment in full of all wmti secured by this 5erurily In,trument. Lcnder shall promptly refund to Bonower any
<br /> - ' ' ''�.' Funds held by Lender.lf, under parugraph 21, Lender xhull ucyuire or s�ll the Property, Lender,prfor to the ucquisition ar sale
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<br /> '__ ;.� of the Property, shall upply any Funds held by Lender ut Ihe time nl'ucqui�itfon nr.ule ns n credit again�t the sums secured by _
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<br /> �'-:��; •.�,;�;::{;, ... , ,� this Security Instrument.
<br /> "��`-1�� " ..' �, 3.ApplicaNnn of Peyments.Unless applicuble luw providcti inherwise,all paynxnts reccived by Lendcr unJer paragrAphs _
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<br /> �„;.' ��,� I 1 ond 2 shall bc applied: Grst,to uny preprymcnt rhargc,duc under thc Note: .econd, to amnunts puyable undcr parngruph 2;
<br /> •, • •��r'-�d�'�`��vF'��';., I third.to interest due:fouhh,to prinripal duc;and lus1,to uny lutc chur�es due uncicr thc N��te.
<br /> �� '. � '���'"'. , 4.Charses; I.ien.�. Burrower shnll pay ull tuxes, usxessments, churge+, linc.u�nl impositions attributeblc to the Pmperty
<br /> r `M��� ° . I which ma attain riorit over this Securit Inxtrument, and Icuschold u �mnt�or ���und rents, iP un Bonower shall n
<br /> y,., f � ,,': ,: , Y P Y Y P Y B Y• P Y _.
<br /> o ., these obligadons in tlx:munner provided in piirugruph 2,or if not puid in thut manner, Born�wer shull pay them on time direcdy
<br /> , � � . • ' ' to the person owed payment. Bormwcr shnll promptly furnish t�i Lender ull notice+uf umounts to be paid under�his pnrugraph. �
<br /> '� if Borrowcr mnkes thcse puytnents directly.&�rrower shall promptly furni�h to Lendcr rcrcipts evidrnring the paymenlw.
<br /> _., . �. :�
<br /> ` t.#=��:,, Borrowrr shull promptly dischurge s�ny Ilen which hu�prioriry over thiti Sccurity h�strumcn� unless&�rmwer: (u)a�rees in
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<br /> =-- ��. ���-;:: writing to the pAymcnt af the obligation sccun.�l by thc lien in u mm�ner ucceptable ta l.ender; Ib)contc�t�in gcxxi tui�h thc licn
<br /> - '.��'�' �� ��'`� by, or dePends uguinu enforcement of the licn in. Ic�ul pnxrcJings which in thc Lendcr's ��pini�m �iperotc tci prevent thc
<br /> W �•''"� , � ' enforcement oi thc licn;or(c)securc�from thc holJrr nt'�hr lirn un ugrerment wdsfuc�ory ta Lcixicr�utxirdinuting thc lien to -
<br /> �' '""` � this Securit insttument. If Lcndcr Jetennincs Ihat un urt of the Pro n i.,uh'�ct t�i u licn which nw uttuin riorit over
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<br /> �.� � - this Securiry Instrument, Lender may givr Borcowcr u noticc idcmifying tlir licn. Barrowcr shull sati�fy the tien or�ake unc or =
<br /> , • more nf the actiona set forth ubove within W duy.r•of the giving af natice. F
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<br /> ,�Y_' Fam 3028 9/00 �
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