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<br /> TOGETEI�l2 Wl'P�{nll thc impmvements no�v or Itcrc�fter crected mt Ihe praperty,nnd;dl cnsenunts, i�ppurtcn,uiccs,nncl
<br /> fixwrc� nu�v ctin c�r�aftcr n part c�f thr, propc�ty. AU rc;�lnccntcnts aitd nddiiiuns sh�dl also hc ccrvci'cd bp this Sccurlty (
<br /> Instrumdnt, �II of Ihe fore�oinB is rcf;;rrcd to in tlds Scrurit�Instrument ny tl�e "Property."
<br /> EORP.QVNFitt COl��NRNTS tl�a?n�rrowcr is Inwfully sci�ctl�f fl1c cstntr,licrchy cmivcyed und ha9 thc rigiu ro grant tind _
<br /> canvey Ihe Prapcily und thnt the Praperty iy uncncumbcmd, cxcept for encumbra�nces of rccm•d, flnrrower wiirrnnts and wlll
<br /> defend geneadly the tide to the Propeny nb+�inst nll claims and dem�n�ls, suhJect to iiny cifcumhrimces of record.
<br /> THFS SECURITY INSTRUM�NT combir►es u»ifor+n covenimts for nntirni�l usc und n�m-unlform covcnnivs with Ilmited
<br /> vnriatians by jurisdiction to constitutc a unifarn�sccurlty instrum�nt covcring rcal propert��. �
<br /> UNIFQRM COV�IVANTS. }3orrawcr und I.endcr covcnant and agrcc us fnllows:
<br /> !. Payment of PrEnc(pal end Interest; Peepayment und l.ate Char��. Bnrrower shnll promptly pay when duc tl�e
<br /> principal of nnd liiterest on the debt evidenced by t}�c Notc aiid any prepayment mid late charges duc undcr the Notc.
<br /> l. funds fc�r Taxes nncD Insurnnee. Subject to applicable law or to a written waiver by Lencler, Barrower shnll pay to
<br /> [.cndcr on the duy m�nthly pay�nents ure duc widcr the Notc,muil the Note is paid in full,n sum("Funds") for: (A)yearly tnxes
<br /> end�,sessments�vhich may att�zin{�riority over tl�is Securiry Instrument as s lien on the Property; (b)yearly Icasehald payments -
<br /> or ground rents on the Property, if ar►y;(c)yearly ha�.ard or propeny insurance premiums;(d)yeurly flnod insurance premiums,
<br /> if any; (e)yearly mortgage ioss+rance premiums, if any; and(� any sums pnyuble by Horrower to Lender, in accordance with
<br /> thc provision:�of paraBraph 8.ir.lieu of thc puyinent of aiortgage insura➢�c:premiums. These itetns are cullcxl "Escro�v Items."
<br /> L.ender may, at any time, col(ect imd hold Funds in a.n a�noimt not to excecci [he maximum amount u lender for n federnlly
<br /> rclated mortgage loan may reyuir�fcr Borrower's escro���account under the fedcral Real Lstate Sctdement Procc�i�n,s Act of
<br /> 1974 as umendcd from time,to time, 12 U.S.C. Section 26�1 et seq. ("t��ESPA"), unlcss another luw thnt applios to the Eunds
<br /> szts a lesser amount. If so, i.ender may, ac 1ny time, collect and hold 3�unds in an Amount not to exce«i the lesser ama��iit. -
<br /> Lender may esti�nate the nmounc of Funds due on the basis of current data and reaso«a[�le estimates of expenditures of futuru
<br /> Ecr.rotiv IYCms or othcnvise in arcord:uice with applicable luw.
<br /> Thc Funds shall be hcld in un institution whose dcposits are insuced by a federal agency. instrumentalir}, or entity .
<br /> (including Lender,if Lender is such an institutian)or in any Federal H�rne Loan Bar►k. Lender shall npply the Funds ta pay tht�
<br /> �scrow items. L.e:nder muy not char�e Borrower for holding and applyin�tho Funds,annunlly analy-_ing die escrow uocount,+;r.
<br /> verifyin�the 8scrow Items.unlcss L.ender pays Barrowtr interest on the Funds and applicable IA�v permits L.ender to makG sa�M
<br /> u charge. However, Lender may require Borrower to pay u one-time charge far an independent real estnte tux reponing FQrvlee
<br /> used by Lender in cannection with this loun, unless npplicable lnw provides otherwise. Unless wi agreeme��t es m�do or
<br /> ppplicable luw requ3res interest to be paid, I.ender shall not 6e required to pay Borrower any interest or earnings an th�Fun�a•.
<br /> Borro�ver nnd Lender mAy agrec in writing,ho�vever, that interest shall be paid on tne Funds. lrender shall give to Barrn�`�;r,
<br /> wiuwui cL;ugc, xn annuai uccouming oi tn� Funds, snowing credics and debi[s to ti�e Funds and tite purpuse for wD�A�.o'aGy
<br /> debit to the Funds was made.The Fnnds are pledsed us udditional security for all sums secured by thi:,Security Jnstiument�
<br /> If the Funds held by Lender exceed the nmounts perinit�ed to be held by upplicable law,Lender shall accouni t�Aanativsr
<br />' for dic excess Funds in accordnnce with the requirements of applicable luw, if the antount of the Funds held by Y.snder n�.nny
<br /> timc is not suffcient to pay tha Escrow ltems when duc, Lcnder may so notify 8orrower in writing,un�,in such case Bammer
<br /> shall pay to Les►dcr the amount necessary to make up the deficiency. Borrower shall make up the de�c�ency in na morc thnn
<br /> twelve mondily puyments,at I.ender's sole discretion.
<br /> Upon payment in full�or Atl sums secured by this Security Instruarent, Lcnder shnll promptly refund to �orcower nny
<br /> Funds held by Lender.[f,under paragraph 21,Lender sh�ll acquire or seU die Property,Lender.prior ro d�e acquisitian or sale
<br /> of the Propeny,shall apply any Fw�ds held by Lcnder at the dme of acquisition or salc as a credit ag�inst the sums secured by
<br /> • this Security Instrument.
<br /> 3.Application of Payments.Unless uppliruble l:►w provides otherwise,all payments received by Lender undoc paragraphs
<br /> 1 and 2 shall be upplicd: first,to nny prepayment chnrges duc under the Nate: second, to umounts payable under pAragrnph 2;
<br /> �niiri,�o imeresc due;iourtn.�o prineiUai due;ana iasc,[o any iute cn«rges uue unuer[ne itioie.
<br /> 4.Charges;Ltens. Borrower shall pay all taxes,assessments,chttrges, fines And impusitions:�ttributable to the Property -
<br /> which may attain�priority over this 5ecurity Instrument, and Icusehuld payments or ground rents, if any. Borrower sha11 pay
<br /> these obligations in the mnnner provided in paragraph 2,or if not paid in that mnnner,Borrowcr shall pay them on time directly
<br /> to tlie person owecl paymcnt. Borrower shall promptly fumish to L.ender all notices of aniounts to be pald under this paragraph.
<br /> If Borrower makes these payments directly,Bonower shall promptty furnish to I.ender receipts evidencing the paymcnts.
<br /> Borruwer shull ptomptly discharge any lien�vhich has priority over this Securtty Instniment unluss Borrower:(a)agrees in
<br /> � writing to tfie payment of tl�e obligation secured by the lien in a manner acceptable to Lender;(b)contests in gual faith the lien
<br />: by, or dcfcnds against enforccment of the lien in, lcgal pmcccdings which in the L,ender's op9rtion operate to prevent the
<br /> enfarccment of the licn;or(c)secures from the tioldcr of the lien an agrcement satisfact�ry to Lcnder subordinating the ltcn to
<br />� this Sccurity Instrument. If Lendcr detcrmines thnt nny part of the Property is subjcct to a licn which may attuln priarity over
<br /> this Security Instrument, L.ender may give Borrowcr��notia;idcntifying the licn.Borrowcr shall satisfy the lien nr take cne ar
<br /> more of thG actions sct fortlt nbove within 10 days of tlie giving of notice.
<br /> Fam 3028 9/80
<br /> POpe 2 ot 0
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