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<br />._�' � � 95= 104'�4S _
<br />•�� TQOETHER WITH nll the improvcmenta now at heteufter erected on the property.und ull cusements, appurtennrtces. and
<br /> �;�.. Gxwt� naw or hereafler a pun �f the prape�ty. All teplucements und additians shuq ulso be cavered by this Secucity
<br /> '��'' Intitrument.All of the forcboing le referrcd ta in this Security Instrument n.4 the "Property."
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<br /> y;,�. f30RRO�VBR COVENAIVTS thnt Borrawer is lawfully�eis�!of the euatc hcreby conveycd und hus the right to gmnt and ,
<br />,:�:�, � cun�ey the Pmperty and thut the Property iK unencumbered. excepi for encumbranccti of record. Burrower wnrrant� und wlll
<br /> defencl generully tbe tiQe tn the Praperty against all cluims and demurtds.subject to any encumbran�x.s of recard.
<br /> _��� ; THIS S�CURlTY INS'fRUM6NT combines uniform covenanes far nattonal use und nan•�cniform cAVenan�c witt�limited
<br /> =-- � v:uiutians by juritidictiun to con�titute c�uniform secur�ry instrument covering real pmpecty•
<br />-:�.;, UNIFORM COVENANTS.Barmwer and lxnder covenant und a�ree as follows:
<br /> -_,• 1. I'uymcn! af EMncipAl n�d lnterestt �pnyment and Late Char�es. Borrowcr shal! promptly pny when due the _
<br /> °�• princigal af and interest on the debt evidemc�d by the Noie and any prepayment and late charges due under the Note. -
<br />-°����`t� �.Fund4[or Tex�uttd Insnrance. Subject ta applicuble Inw or to a wdtten waiver by L.ertder. Borrower shall puy to
<br /> T��'.. L.e►xier on thc dny manthly payments um due undcr the Note.until the IVote is paid in full.a sum ("Funds') for:(a)yeurly taxes
<br /> _�` und assessmentx�vhich may attain pdurity ovcr this Secudty Instrument es a Iten on the Properry: lb)yearlY�easehold puy►r�ents
<br /> ar ground ren�s an the Property.lf any:(c)yearly ha7ard oc property Insurance premiums:(d)yearly flood insurance premiums.
<br /> _ � if uny; (e)yearly mortsnge insurance premiums. if uny;and(�any sums payable by Borrower to Leader. in uccord3nce wIth
<br /> -=�� the pravisions of parngmph 8. in 1 ieu of the payment of mortguge insura�sce peemiums.Thcse items are called "Escrow Items.' _
<br /> ��'� L.ender may. nt uny time. collect cu�d hold Funds in an amount not to exaeed the ma�cimum iunount a lender for n fedarally
<br /> _�-� reluted mon�age lanm m�y require fur Burruwer's a;crow account unde� tAe federal Real Estate Senlement Pr+ncedures Act of _
<br /> 1974 as amended from time to tirne, 12 U.S.C.Section 2601 et seq. ('ItFSPA'). unless nnother law that applies to the Funds
<br /> L�_,� sets n lesscr nmount. !f so, Lender may, at uny time. wliect and hold Funds in nn�smount not to cac�eed the lesser amount.
<br /> Lender may estimate the amount of Funds due on the basis of curnnt datn and reasortuble esdmutes of expendltures of futare
<br /> --= Escrow Items or othenvise in acmrdunce w8h appiic;able Inw. __
<br /> a.„ The Funds shall be held in an institution whose deposits are insured by a federal agency. instnimentality, or entity
<br /> (inclnding Lender.if Lender is such nn institution)or in uny Federal Home I.oan Bunk. Lcrtder shall apply the Funds to pay the
<br /> - Escrow Items.Lender may n�t charge Borrower for holding and applying the Funds.suinually analyzing the escrow account.or
<br /> �'�� ver�fying the Fscrow Ieems,unless I.ender pays Borrower interest on the Fwds aad upplicable law permits I.ender to make such
<br /> " :� a charge. i�Iowever.�.ender may nequiie 8orrowcc t��i.y a ot�-tiitte cl�isge far ass iss�x�nt ��s!estate ta�repc►rtin�+�ruiee .
<br /> =y used by l.ender in connection �vith this luan. unless applicable Inw pmvida otherwise. Unless nn agreement is made ar
<br />-__=�,� appticable law requires interest to be paid. [.ender shall not be required to pay Borrower any interest or earnings on the Funda.
<br /> �_� Borrower und Lender may ag�ee i n writtn�.however. that intere5t shall be p3id on the Funds. Lender shall give to Borrower.
<br /> ____ viithout charge.ar►ennual aaounting of the Funds,showing credIts and debits to the Funds amd the pucpose tor which each
<br /> -_� debit to the Funds was made.The Funds are p18dEed as additionW secudty for ull sums secutcd by this Serurity Insttument.
<br /> •�' If the Funds held by I.endu exoaed the amounts pertnitted to be held by applicable Iaw.l�e�►der shuli aocaunt to Bamower
<br /> -' for the exc�ess Funds in eccordance with the requirements of applica6le la�v. If the amount of the Funds held by I.ender ax any
<br /> s time is not su�cient to pay the Fscrow Items when due.L.ender may so nodfy 8orrower in writins.and,In such case Bomower
<br /> = shall pay to Lender the amount rtece.csar}+ to muke up the deficiency. Borrow+er shall muke up the deficiency in no more th�rt
<br /> - twelve monthly paymenu.at L.ender's sole discretIon.
<br /> Upon payment in full of al1 sums secure� by this Secudty Instrument.Lender shnll prompdy refund to BomoH•er nny
<br /> - Funds held by I.ender.If.under paragraph 21.I.ender shell acquire or sell the Property.Lender,prior to the ucquiaittdn or sale
<br /> -- of the Propsrty,shall appty any Funds held by Lender at the time of�cquisition or sale as a credit against the sums secured by
<br /> - this Secudty Instrument.
<br /> - 3.Appllcstion oi Payme�ts.Unless applicab�e Iaw provides athene+isc, all paymenu received by I.ertder under p:uqqraphs
<br /> = I and 2 shall be applied: first. to any prepayment chnrges due under the Note;secnnd.to amounts paynble under paragtaph 2;
<br /> ' third,to interest due:fourth.to peincipat due:and tast.to any late churge,�due urtder the Note.
<br /> : 4.Cbarges; Liens. Borrow�r sh�ll pay�ll taxes.assessments,cliarga. fines and imposirions uttributable to the Property
<br /> _--_= which may attnin priorlty over this Security Instrument,and Itasehold payinents or grourtd rents. If any. Burrower shall pay
<br /> = these obligations in the munner provtded in paragraph 2,or if not paid in.tlmt m�nner.Borcnwer shull pay them on dme dit+ectly
<br /> to the person owed payment.Bomo�ver shrill prompdy fumish to L,ender �ll nvtioes of amounts to be puid under this pivagraph.
<br /> -' lf Borrawer makes these puyments directly.Borrower shall promptly fumish to I.ender receipts evtdencing the puyments.
<br /> -= Borrower shall pmmptly discharge any 1[en which has priority over t�is Socurity InstTUment unicss Bottower:(a)agrees in
<br /> � writing to the p3yment of the obligudon sesurad by the lien in a nusnrter acaepmble to Lender.lb)contests in�oad feith the lien
<br /> -�=� by.or defends against enforcement of the lien in, le$ul prooeedin�s which in the Lender's opinion operate to prcvent the
<br />__._::�.�.� enforcement of the lien;or(c)secures ftom the holder of the lien an agreement sutisf3ctory to Lender subordinating the lien to
<br /> - this Secur�ty Instrument. If Lender determines thcit uny part of the Propeery is subject to a lien which may ntts�n priority over
<br /> --_'�� this Secudty Inswment. Lender may give Bnrrower a natice Identifying tl�e lien. Borrower shall sudsfy the lien or tulce one or
<br />- mon of the actions set fonh above within 10 days of the giving of notice.
<br /> ".�:'�1�� Form 3028 8►BO
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