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<br /> i � ' TQ(3ETHER WIT�i aU the improvanknts naw or tiereaftel'arected on the pmperty,and all cisemtnte��P'Patton�aa,amd
<br /> ixturts now or herazfter a part of the propeny. All replscren�ents aud additia�ns shull also bc covar�ci by this StictiriCy
<br /> � Instrumcnt.AU of the faregaing ls rcferred to in this Secarity InStcumcnt ns thc"Praperty."
<br /> � �30RRUWF.�t COV�NA�ITS th,zt liorcower is lawfuUy seised of thc cstate hemby rnnveycd and has the dght w grant and
<br /> ` � canvcy thc Prapetty ur�d that ehe Property is urxncambemci. except far encumbranr.es of recnrd. 8anower warrant� apd wiU
<br /> � defen�generally the dtle to the Pcoperty a uinst nll ela�ms and demands,xubject to eny encumbrances of rerard. ,
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<br /> THIS SBCURITY tNSTRUM�Nr mbines uniform ravenanta foX narional use and non-unlform covenants with 1€�qittd
<br /> � vud�tians by f urisdtction to const[tutc n uniform securtty instrument covcr�ng m,�l property.
<br /> ! UNIFORM COVLNANTS.Bormwer and i.ender covFnant anct agrce t�s follows:
<br /> 1. Paym�ent of Princlps!wnd Interesl; Prepsty�ne�►t and LAtc Ch�e'Bes. Borrower shall promptiy pay when due tt�e
<br /> pr(r►cipal of und fnterest on the debt evidenced by the Note and any prepayment and tata charges duo under the Nau.
<br /> 2.Fltnds Cor Ta�ces and Insurance.Subject to applicable law or to a wdtten waiver by I.ender, Borrower ahstli pay to
<br /> I.ender on tf�e day monthly puymenta nre due nnder the Nata,until tha Notc is patd in full,a sum("Funds")for:(a)yearly taa�.w
<br /> and assegamenta which muy attuin prEortty over iMs Securiry Instrumant as a lien on tha Property;(b)yearly lea,sehold paymeats
<br /> or g�uund rents on tho Property,if any;(c)yeacly hazard or praperty insurancc premiums:(d)yearly ftood insurancc pnemiums,
<br /> If any: (e)yearly mortgage insuranco prsa►iums.iY any; and(�any sums payable by Borrower to Lender,in accordance with
<br /> thc QrovlsIons of ptuugraph 8, in tieu of tbe payment of mortgage insurancc premiwns.These items are called"Bscrow Itoms."
<br /> L,snder may. at any tiras,co!lect and hold Funds in an amou4t not to exceed the maximum amount a lender for a federally
<br /> related mortgagc loan may requ3re for Sarrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> t9T4 os amended from ame co drue. 12 U.S.C. Sectton 2601 et seq. ("RESPA"),unless another law that applies to the Funds
<br /> sets a lesser umount. If so. Lender may. at eny time,collect and hold F�nds in an amount nat ta exceed the lpsser umount.
<br /> 1.�nder may esdmate the amount of Funds duc on ttte basia of current data and reasanable esttmates of expenditures of future
<br /> E.c�:row Items o�otherwise in aecordance with applicable law.
<br /> Tbe Funds shall be held in an institution whase depasits are insyred by a federal agency. lnstrumentality, or entiry
<br /> (including/xnder.if Lender is such an institution)or in any Fe�eral Homa Loan Bank.Lender aliall apply the Funds to pay the
<br /> � Escmw Items. I.ender may not charge Bonower for holdins and applyin�the Punda,annually an�lyzing t!►e escrow accaunt.or
<br /> ( vedfyIng the Fscrow Items.unless L.ertder pays Borrower interest on the Funds and appltcable law permits I.ender to make such
<br /> � a charge, However,Lender may require Borrower to pay a one•time charge for an independent real estate tax reporting servIce
<br /> u$ed by Lender in connectIon wtth this loan. unless npplfcable law provides otherwise. Unless an agreement is made or
<br /> ! appllcxible law oequires Interest ta be paid,Lendcr shall itot be ra�uired to pay Aorrower any interest or cAminge on the Funds.
<br /> Horrower and Lender muy ag�ee in�vdting, however,that interest ahall be paid on the Funds. L.ender shall give to Borrower.
<br /> w���4���}��gP, A�Annunl acc�,untine of the Funds. shuwln� credits and debits to the Funds and the purpose for wriich each
<br /> debit to the Funds was ii�ade.The Funds are pledged as additional security for all sums secured by this Securlty Instrument.
<br /> If the Funds hetd by Lender exceed the amounts permitted to be held by applicable luw,Lender shall account to Horrower
<br /> for the exces�Furtds ln accordance with the tequirements of applicable law. Tf the umoant of the Funds held by [.ender at any
<br /> time is not sufficient to pay the Escrow Items when due. I.ender mny so notify Barrower in writing,urd. in such case Hurrower
<br /> shall pay to I.ender the amount necessary to make up the deficiency. H�rrower shaU make up the deftciency in no more than
<br /> twelve moethly payments,At Le�nier's sole discretion.
<br /> IIpon payment fn fult of all sums secured by this Security Instcument. Lendor shull pmmptly refund to Borcower su�y
<br /> Funds held by Lender. If,under paragraph 21, I.ender sh�lt ucquire or sell the Property,Lender,prior to the acquisition or sale
<br /> of the l�roperty.shall apply any Funds held by L.ender ut the time of acquisition or sale as n credit a�alnst the sums sccured by
<br /> this Secur�ty Insuvment. •t�
<br /> 3.Applicutfon of Peyments. Unless applicable law provides atherwise.ull payments received by L.ender under puragraphs
<br /> 1 aad 2 shall be applfed:first.to any prepayment charges due under the Note: second,to amounts payablc under paragraph 2;
<br /> third,ta interest due;founh,to princtpa!due:und IaSt,to uny Inte charges due under the Note.
<br /> 4.Charges; Liens.Horrower shall pay ull taxcs,a.gsessments.charges.fines and impositions attdbuutble to the Property
<br /> which may attain pdorlry over this Security Instrument. and leasehold payments or�round rents, if any. Bomower shall pay
<br /> these obligatEons in the manner ptovided in paragraph 2.or if not paid in that manner,Borrower shaq pay them on time directly �y'
<br /> to the pe►xon awed payment. Borrower shall promptly fumish to L.ender ull not{ces of amounts to be patd under this parugraph.
<br /> If Borrower makes these payments directly.Borrower shall promptly furnish to Lender receipts evidencin�the payments.
<br /> Borrower shall promptly dischurge uny Iten which has priority over this Security Instrument unless Borrower:(a)ugrees in
<br /> writing to the payment of the obli�ation secured by the lien in n manner acceptable to Lender; (b)contests in qoad fatth the Iian �:°�.
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<br /> by, or defends against enforcement of the lien in. legul proceedin�s which in the Lender's optnion operate to prevent the ,.,-
<br /> enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to '+:'�
<br /> this Security Instsument. If[.ender determines that uny part of the Property is subject to a lien which may uttain priority over g �'�
<br /> this Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the Itcn or take one or � .
<br /> more of the actions set fonh above wtthin 10 duys of the giving of notice. �'
<br /> Fotm 8028 8/80
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