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<br /> TOGETHER WITH nll the improvcmcnte nc�won c�r�.�fter erected on the property,and ull eascments,uppurtcnances,�nd —
<br /> Cxwres now or hereaR+:r a part of the property. �II repincemenis and ndditions shnll also 6e cavered by this Security r
<br /> [nstruntcnt. Ali of the forc�oin�is rcfcrred to in thi�Sccurity lnstrument us thc "Pn�perty." �-
<br /> BORRQWER COVENAN'i'S tltat Borrowcr islnav8illy sciscd of thc estotc hcreby conveycd and hns tl�c right tn srant and
<br /> convey the Property nnd that th� I'ropeny is unc�ncunibered, except for encumbrances of record. Horrower wnrrants nnd will
<br /> defend gencraUy the title to the Properry ugui�ist�eJlcluims und dsmaads,subjcc:t ro aay encumbrances of recnrd. ,
<br /> Tii15 SECURI'PY INSTRUMBNT combinesunifonn covenants fo:natiunal usc: and nan-uniform covenunts with limiteci
<br /> variatiaus by jurisdiction to corstitute a uniform�;ecnr;ty instrument coverinF reul property. L
<br /> UNI�ORM COVENANTS.Borr6wer and Le�ler covenant and agree as foilowr:
<br /> I. Payment oY PrinciPal ttnd Interest;Prepayment and LAte Churg�. llarrower shall promptly pay whcn due ihe
<br /> principal of nnci interest on the debt ovidenced by ihe Note und any prepaymenl and Inte charEes due under the Note.
<br /> 2.Funds [or T�uces end Insm�ance, Subject lo applicablc luw or to a written wniver �y Lender, Borrower shall pay to
<br /> Lender on the day monthly payments arr,duc underihe Note,until the Note is paid in full,a sum("Funds")for:(u)yc�rly tuxes
<br /> �nd assessmcnts which may attain priority over thisSecurity Instrument os u lien on the PropertJ�; (b)yearly Icnsehold payments
<br /> or ground rents on the Prcperty,if aay;(c)yearly hnzard or property insuranco prcmiums;(d)ycarly tlaod insurance prcmiums.
<br /> if any;(�) yearly mortSAge insurance prcmiums, if any:and(�uny sums payuble by Borrower to Lender, in nccordance wfth
<br /> the provisions of paragraph 8, in lieu af the payrnent of mort�age insurance premiums.Thcse items are cnlled"Escrow Items."
<br /> Lender may, at any time, collect and hold Funds ira an amount nat to exceed the maximum amaunt a lender for a federally
<br /> related mortga�e loan may require for Horro�ver's escrow uccount under the federal Real Estate Settlement Procedures Act of
<br /> 1974 t�nmended from tlma to time, 12 U S.C. Scction 2b01 et,seq. ("RESPA"),unless anather luw that applics to the Funds
<br /> sets u lesser umount. 11 sa, 1".endcr may,at any lintC,collect and hald Funds in un nmot�nt not to exceed the lesser amount. _
<br /> Lcnder may estimate the amount af Funds due on the basis of cu�Tent data unsi reasonablc estimates of cxpenditures of future
<br /> Escruw Itoms or othet�vtse in accordance with applic3ble law.
<br /> The Funds shall be held in an institution�vtiosc depc�sits are insurcd by u fe�leml agcncy, instrumentality, or cntity
<br /> (including I..endcr, if Lander is such un institution)�r in any Federal Home LoAn�ank.L.enaer shall apply the Funds to pay the
<br /> Escrow Items. Lender may not chorge Borrawer for holding and applying the Funds, annually analyzing tlie cscrov�nccount,or
<br /> verifying the Escrow Items, unless Lender pays Borco�tir.r interesr on the Funds and applicabie law permits Lender to make such
<br /> a char�e. However. Lcnder may require Borrowcr to pay a one-time char�c for an independent rcal estate tsx reporting service
<br /> used by I.cnder in conncction witt� this loan. unless applicable law pruvides othcnvisr,. Unless nn agreement is made or
<br /> applicable law requires interest to be paid, under siiull nuc be cequircd to pay 8orrower any interest or earnings on the Funds.
<br /> Borrawer and Lender may ngree in writing,ho�vever,th:,t interest shall bc paid on the Funds. Lender shall give to Borrou�er.
<br /> without cnnrge,an annual accou�diug u;i�e i:irNs. s":.���g �reclits snd debir��� �hP Funds and the Qurpose far wluch eaclt
<br /> debit to the Funds wns made.The FUnds are pledgecl es udditional security for all sums secured by this Security Instrument.
<br /> If the Funds held by Lender exceed the anrtaunts permitted co be held by applicable luw,Lender shall account to Borrower
<br /> for the exccss Funds in uccardttnce wieh the requiresnents of applicable law, if the�mount of thc Funds l�eld by Lendcr at any
<br /> time is not suffictent to puy tho�scrow Iterns when alue, Lender may so notify Anrrower in writing,and,in such case Borrower
<br /> shall pay to Lender the amount necos.gnry to make up the doficiency. aorrower shall make up the deficiertcy in no more tlian
<br /> . twelve monthly payments,at I.endar's sole discrdion.
<br /> Upon payrtient ln full of alt sums secured by this Security Instrument, i.ender shall promptly refitnd to Bonower any
<br /> l�unds held by I.ender. If,under Qaragraph 21, Lender shall acyuire or sell the Property,I.cnder, prior to the acquisition or salo
<br /> of the Property,shall apply any Funds held by Lender at the time of acyuisition or sale as a credit ag�inst the sums secured by
<br /> this Security Instrument.
<br /> , 3..�lpplicatton of paymentw.Unlas appliable law providcs otherwise,all paymcnts reccivcd by Lendcr ui�der pnragrnphs
<br /> 1 nnd 2 sli�i: tti a;.p!ir!�:��'st, tv any prcpayrricnt charges due under thc Notc: second,to amdunts payabte under puragraph 2;
<br /> � third.to interest due;k'ourth,to principal due;and last,to miy late chargcs due under the Note.
<br /> 4.Charges; L9ene•Borr<►wer shull pay n.11 ioxes,ussessments,churges. fines und impositions attributable to the Property
<br /> which muy attain pdority ove� this Sccurity Inslrument. and leasehold puyments or ground rents, if any. Bureower shall puy
<br /> these obligations ia tbe munner pcovidcd in paragraph 2. or if not paid in that manner,Borrower shnll pay thcm on time dircctly
<br /> to the person owed puyment.Hc,�:o�ver shull promptly fumish to Lender all notices of nmounts to be paid under this pnraaruph.
<br /> If Borm��er m�kes t3�ese payments directly,Borrow�r shall promptly fumish to Lender receipu evidencing the payments.
<br /> Borrower shall promptly discliarge ony lien�vhich has priority over this Security Instrument unless Borrower: (a)agrees in
<br /> writins to the payment of the ot�ligntion securedby the lien in a manner acceptz�ble to i.ender;(b)contests in good faith the lien
<br /> by. or defeceds agutnst enforcement of the lien in, legal proceedings which ia the ILender's opinion operute to prevent the
<br /> enforcement of the lien;or(c)sacures from th�holder of tlie lien an ngreement satisfactory tn Lender subordinating tlie lien to
<br /> this Security Instrument.If Lendor determines+hat any part of the Property is subject to a lien which mny nttain priority over
<br /> tl�is Seturity Instcument,Lender n�ny g��e Bca�rro�ver a notice identifyins the lien. Doaower shall salisfy the lien or take one or
<br /> mot�e of t3te actlons seY forth above withiti 10 d�ys of the givin�of nottce.
<br /> Form 8028 9/SO
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