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<br /> TadETHER WiT[i att thc Intpmvemen�W nnw or tuxeatter erected on the ptopcMy,und ull catiemcnts.appunenances,nnd _
<br /> fixtures now or hereatser n parl of the property. Ail replacemente and additions shu11 also be covered by thls 5ecurity
<br /> [nstrucnent. All of'the faregoing is refened t�in this Security Instrument a9 ehe"Propetty."
<br /> BORROWEA COVSNAI�iTS that Bormwcr is fuwtLlly seiRed af the esutte her�by conveyed and ha�the right to grant and
<br /> convey the Property and thut th¢ Property is anencumbered, except for encumbmnces of record. Borrower warr.u�ts nnd wlli
<br /> defend genernity the title t�the Property agninst all clatms and demunds.subjcct¢o any encumbranees af tecard•
<br /> TH1S SECURITY IiVS11tUMBNT combines uniform c4venante for nutions�l use and non-uniform covenants wilb lin�itcd
<br /> variadans by judsdictian to wnstitute a aniform security Instniment rnvedng rea!prnpertY•
<br /> UMFORM COVBNANTS.Borrower und L.ender covenant und agrea as follows: i
<br /> l. Wymer►t of Prirt�ctpal and Interest; Prepayment and LAte Charges.Borrower shall promptly pay when due the
<br /> pdncipal of and intcrsst on the debt evidenced by the Nata aad any prepayment w�d late charges due under the Note.
<br /> Z.FLnds far Taxes and Insurance. Subject to applicable law or to a wrltten wa�ver by Lender.Borroover shall pay to
<br /> Lender on the day monthly payments ara due under the Nate,until the Plote is paid in fu{t.a sum("Funds")for:(a)yeariy t�ces —
<br /> and assessment�which may anain pdadry over this Serurity Instwnent as a lien on the Property:(b)yearly loasebald payments
<br /> or�iouud rerita an the Praperly.if any:(c)Yearly hazard or propertY in.9utaucn picmi�mx:.(d)Yearty tlaod insumnce•premiums,.
<br /> if zu+y: (e)yesrl�moasag��nsur�nce premiums,if nny;and_(�any sums:payable Q�y Bn�rawar to Lender, ln accordenee wIth
<br /> the provisians af p�graph 6. in lleu af the payment af mortgage insuranoe premiwns.These items are called "F.�aro►v Itoms."
<br /> Lender may.at any t�me. collect and hold Funds in an amount not to exceed the maximum �nount a lender for n fedemlly
<br /> retatal npttgase(osn may mquire for Burroever's escrow account under tha fedetal Real �state Settlement Proc�dures Act of
<br /> 1974 as emended from time to dme, 12 U.S.C.Section 2641 et seq.("RESPA"), unless another law thuc upplies to the Funda
<br /> sets a lesser wnount. If so.L,cndsr muy. n¢nny time. collect aad hold Funds in tut amount rtot w eacxd ttta Issser amount.
<br /> Lender may cstimate the umount at Funda due an thc bagix of current data nnd re:isonablu estimata�oP expend[tures of fitturo
<br /> Escrow[tcros or atherwise in uaurdance vuith npplicablc law.
<br /> "I'!ro Funds xhull be Neld in nn institutian whiisc deposits arc insurul by a fcdcrui ogcncy. insirurnentulity,ar cnttty
<br /> lincluding l.zncicr,if t.ctxlcr is tiuch un intititutionf ur in uny Foderul Hotne L+uun Bstnk•l.cndcr FhuQ upply thc Pundn to�y tho
<br /> Bssrow Itemy. I.ender muy iwt chutgs&irruwer far halding und applying tho Puntls,uRnuutly cmalyiing the escrc►w nec�unt.or
<br /> vsrjlj�ing thc�tc�nw Itcmy,unics�l..cndcr puyx f�rruwcr intcrcst an the Pundx und iipplicu6lc luw permita l.cndcr t�makc euch
<br /> u chnrge,However. I.c��der may requiro Burrawer to puy u one-tink churge far an indepernlent aenl esute twc re{wrltng servico
<br /> used by L.cndcr in cannccilon with this loun, unless applicnble luw Qravidcw otherwire. Unlcss c+n ngrcement is madc or
<br /> ����t8�a��u{�}n����gal�,t��P�.hui!not be requlrcd to pa}r Bormwer uny intcrest or earnings on tAe Funde.
<br /> Horrower end L,cnder muy ogrec in writing.howr.ver.thut interest shall be paid on the Funds. I.ender shafl give to Hornower.
<br /> w[thout chargs. an annual accounting of the Funds,showIng credits and debits to the Funda end the purpose for which each
<br /> debtt to the Furds wsis made.The Funds ure pledged as additional saurity fur all sums secure�i by this Secur3ty Insttvment.
<br /> If the Funds held by Lender caceed the amounts permitted to be held by applicable law.I.ender ehall account to Borrnwer
<br /> for the excess Funds in accoc+dernce with the requlrements of appliceble law. If the amount of the Fund.g held 6y I.euder at anY.
<br /> tIme is not sufficIent to pay the F.scrow Items when due.Lender may so notify Borrower in writing,und;in such case Borrower
<br /> shall pay to I.ender the amount necessary to make up the defiatency. Horro�ver shall make up tho deRo�anpy in aa more tban,
<br /> twelve monthly paymenu.at Lender's sold discretion� '
<br /> Upon payment in full of all sums secured by this Security Insteument, Lender shall pmmptly�mfi�nQ to Borrowor sny.
<br /> �usxls held by Lender.If.under paragraph Z 1.I,ender shall'aoquim or sell the Property.Lender.prior to the aaqulsldon or sale
<br /> p'�the Prv}�erty.shall apply.�ny Funds held by Lender nt the dmo of acquisition or sale as a credil against the�ums secwxd by
<br /> th�s Scxurity Inatrumeut.
<br /> 3.Application ot Ps�yments.Unless Applicable law ptovides other�vtse,all payments received by Lender under paragraph�
<br /> ! and 2 shall'be appliod: first,to eny prepayment charges due under ttie Note:second,to�nounts payaisle under parag�sPh 2:
<br /> third.to interest due;fourth, to principat due:and last.to any lute charges due uader the Note.
<br /> 4.Ciwrges;Lien9. Borrower shull pay ull taxes.assessments,charges,fines aad imposidons atuibutable to the Property
<br /> which may atit►in priority over this Sec�ty Instrument, and leasehold payments or ground rents, if amy.Borrower sheA paY
<br /> these obllgatlons in the manner provided in paragraph 2,or if not paid in.that manner.Borrowe,r shall pay them on time directly
<br /> to the person awed payment. Borrower ahall promptly fi�rnish to T.eacier alt notices of aatounts to be paid under this puragruph.
<br />. If l3orro+ver malces thPCa pnyments directly.Borrower shall procnpdY fur�dsh to Lender recdpts evidencing,�he paYaxms.
<br /> Borrower shnll promptly discharge any lien whtch has prlority over this Securiry Iast�ument unless�otrowe*: (a)agrees In
<br /> k•�iting ro the�ayment of the obligation�secured by tfie lien in a manner acceptabte to Lender;(b)confxsts In g�od feich the lten
<br /> by,or defenda against enforcement of the lien in, legal proccedin��which In the Lender's opinion opecate to prevent the
<br /> enforcement of the lien;ar.(c)s�fmm the holder of the lien an agt+eement satisfactory to Lender subordinatir�g the lien•to
<br /> this Security instrument. If i..ender determines thut any part of the k'�roperty is subject to a lien which may attain pdority over
<br /> thts Security Insnument. I.ender may give Horrower a notice identifying the lien. Borrower shall satlsf}r the lien or take one or
<br /> more of the ncttons set forth above wtthin 10 days of the givin�of notico.
<br /> Form 3028 618D
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