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<br /> 'i'OGtE7'H�R i1ViTH all tAe improverntnia now or heraifter esxted on the PFnpercy,arKi wll exs�mer+tn,appu��.�
<br /> t7atures now or hsreafter a paR of tho property. �411 rcplacements and addltians shal! alsa t�c c�overrd by tiiis Sccurisy
<br /> Instnimient, All of tha fongoing is refened to in this Securtty Ir►strument as Qic"Property."
<br /> BORItOV►!BR COVBNANTS ttiut Borrower is lawiblly s�ised n£tho estata hereby convcyed and has the dght to gru�zt m�d
<br /> convey the Prapetty aud tbat the Pnoperty ia uncncumbsred.exccpt tor encumbrances of record. Horrower wanurus and will
<br /> defend generally the title to the Property againat all claims and demnnda.subject to nny encumbrances of record. .
<br /> TI�IIS SECUltITY INSTRlT1NIEW!'combines uniform coveaants for nations!use and rwn-unifarm covenaata with iimitod
<br /> varieti�ns by jurtsdiction to constituta a unifarm r,ecurity fnstrument cover�ng rtul pmperty. •
<br /> UNIFOAM COVEIVANTS. Bo�rnwer and I..ender covenan[and agree a�followa:
<br /> 1. Paym�.nt ot Principai�nd Interest; Prepnyinent and I.Ate Chatges. Borrower shall prampdy pay when due the
<br /> principal of and interest on the debt Bvidenced by the Note and any prepayment and late ch�es due under the Note.
<br /> 2.Fuads for Taxes end Iagurance. Subject to applicable law or to a written waiver by Lender, Bomower sbatl pay to,
<br /> l,,endcr on tho day monthly payments are due under the Note.until the Note is paid in full,a sum("Funds")for.�p)year[y t�c�a'�
<br /> ,•ancd assessraents which may attatn pr�oriry over thia Security[nsuument as n lien on the Property: (b)yearly lea5ehatd payment�
<br /> oc�ound rents on the Property,if any;(c)yearly hezard ot•property insurance premIums;(d)yearly flood Insw�auce premiuma,
<br /> if�tny: (e)yearly mortgage insurance premiums. if any:and(�xny sums payable by Borrower ta Lender,In accordance witb
<br /> 'the provisions of paragraph 8,in liei�of the payment of mortgage inaurance prem[ums.These items are called "Escrow Items."
<br /> Lender may.at aay dme,cailect und hold Funds in un amount not to exceed che maximum amoune a lencler�for a fecterally
<br /> relatal mortgage loam m�y require for Borrower's eacrow account under the federnl Real Estnte Settlement Procedures Act of
<br /> 1974 as amended from time to timo. l2 U.S.C.Section 2601 et seq.("RPSPA").unless another law that applies to the Funds
<br /> sete a Eesser amonnt. !f so, Lcndcr rn�y, at any time. soitect nnd hold Fund�in an emount nat to exceecl the le.�.scr amnunt.
<br /> L,ender may estimat�thc umaunt of Funda duc an the basis af current dnta und rcasanublc estimatcw of oxpenditures af Cuture
<br /> Escrow Items or otherwiso in uccardancc with nppltcublo law.
<br /> The Funda sh�l� ho hcid ie�+m instltutian whasc depuvits urc insurcd b}+ n fcctcrnl ugency, instrumcntnlity, or entity
<br /> (inrluding l.cndcr.if Lcndcr ia r�uch un institutian)ur in uny Fcdcrul Humo l.um�Bank.l.endcr hhall apply thc Funds tA p�y the
<br /> F.�crow items. Lender trury��ut cltursc Barrower for hnlding and applying thc Funds.annually unuly�Eng thc escrow uccaunt.ar
<br /> varifyfng tho Escrow Items, unle4s I..ender puys Borrower intercwt on the Funds«�xl upplicubie law permi�ti Lender to mnke such
<br /> a ch�rge.Hawever. Lender may require Horrower to pay u one•time chur�e far nn independent real estnte tox mparting service
<br /> used by l.endcr in wnncction with thfe laun. unlesti applicnble law pmvFdcw othcrwixc. Unless an ugreement is mnde or
<br /> applicable luw rnqalres intereat to be puid,Lender xhnli not be rcquired to pay Horrower nny interest or es�mings on tt�e Fundg.
<br /> Bortower ttnd l.ender may a�ree in v�ridns. however. that lnterest shaU be pnid on the Funds. I.cnder shall giva to Borrower.
<br /> uiilro�i charga. �ss�naus!scsoundng of the Funds.stiowing rresltts ensl de�+SS� to thP F��ncis und the purQose for which each
<br /> debit to the Funds was mnde.The Funds are pledged as sdditional s�urlty for�il sums secured by this Secudry Instrument.
<br /> If the Funds held hy I.ender excee�the amounu permitted to be held by applicable luw,I.ender shall account to Borrower
<br /> for the ea�cess Funds in accordance with the requirements of appltcable law. If the amount of the Funds held by Lender at any
<br /> time is not su�cient to pay the Escrow Items when dae,L,ender may so notify�orrawer in writing,and, in such casc Borrowe�
<br /> shall pay to Lender the amount necessary to muke up the deficiency. Borcower shall muke up the deficiency in no more then
<br /> twelve monthly paymenta,at I.ertder's sole discretton.
<br /> Upon payment in t�ll of all sums securtd by this Security Instrument. I.ender shall promptly refund to Borrower eny
<br /> Funds held by i.ender.If,under paragrnph 21. [.ender shall acquire or sell the Property.Lender.prlor to the acquisition or sale
<br /> of the Praperty.ahall apply any Funds held by Lender at the time of acquisition or sale as u credit against the sums secured by
<br /> this Seatrity Insuvment.
<br /> 3.ApplicaUon oi Peyments.Unless applicable law pmvides otherwise, ull paymenu received by Lender under paragraphs
<br /> 1 und 2 shall be applied:first,to nny prepayment chargea due under the Note:second,to amounts payable uader purngraph 2;
<br /> third, to interest due;foutth.to pdncipai Jue;end lest,to any lute chazges dae under the Note.
<br /> 4.ChArses;Llens.Borrower shall pay all taues.assessments, churges. fines and impositions attributable to the Propem+
<br /> wt�ich may attaln prIority over this Security Instcument, and leasehold pnyments or ground rents, if any.Borrower shall pay
<br /> �hese obli�atIons in the manner pmvided in para�raph 2,or if not paid in that manner,Bomower shall pay them an dme dlrectly
<br /> to ihe perwn owed payment.Borrower shall prompdy furnish to Lender all notices of amounts to bc Qaid under thi�s parngrnph.
<br /> If 1Borrower makes these payments directly.Borrower shall promptly furnish to Lender receipts evjdencin�the payments.
<br /> Borrower shull promptly discharge any lien which hes prior�ty over this Security Instrument unless Bartower: (u)agrees in
<br /> wdting to the payment of the obltgation secured by the 11en In n manncr acceptable to Lender;(b)contests in�ood fuith the lien
<br /> .by.or defends aguinst enforcement of the Iten in, legal proceedings which in the Lender's opinion opert�te to prevent the
<br /> enforcement of the lien;or(c)secures from the holder of the lien an agreement suttsfactory to Lender subordinating the lien to
<br /> this Security Instcument.If L�mder determines that uny part of the Property is subJect to a lien whi�h may attuin priority over ,t,
<br /> thIs Security Instcument.Lender msty give Borrower a notice identifyin�the Ii�n.Barrower shall satisfy the lien or take one or '�;
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Form 3028 8l8Q
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