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<br /> 96- l�l�'70'�
<br /> TQGETNER WITH aU thc f�npi�avcments now or hereafter erected on the propeny, und iall cuscmcnts,appurtcnanccs,nnd
<br /> fixtures now on c�reaRcr n pnrt nf the property. All repincements nnd udditions shaU also be cavcred by this Sccurity _
<br /> Instn►ment. All of tlie forsgoing is a•eferred to in this 3ecurity Instrament as the"Prape�iy."
<br /> BORROW�It CAVLNANTS that Borrotvcr is lawfully seised of thc estatc hercby convcyeci and hns the right to grant and
<br /> coitvey the FiaFx;ity ai�d thut tiic Pio4x:riy l, uueucu�i��crui, exrepi for encumbrances of record. F3orrower warrants nnd will
<br /> detend gcncrally the titic to thc Property against all claims and demands,subjcct to�ny encwnbrances of record.
<br /> Ti HIS SECURITY INSTRUMENT combines uniforni covenants for national use anri non-uniforni covcnants with limited
<br /> variations by jurisdiction ro constitute a uniform security instrument covering real property.
<br /> UNIFORM COVENANTS. Borrower And l.ender covenant and agree as follows:
<br /> 1. Pnyment of Frincipal and interest; I'�epnyment and Late Charges. Bonowcr shall pramptly pay when duc the
<br /> principal of and interest on tt►e dcbt cvidcnced by the Note and any prepayment and fate chorges due under du Note.
<br /> 2. Itinds for Tnxes attd Insurnnce. Subjcct to applic�ble law or to a written waiver by Lender. Dorco�ver sh�ll p�y to
<br /> l.�nder on the day monthly pay�ents are due under the N��e,antil tlie Notc is paid in full.a sum("Funds")for: (;�)yearly tnaces
<br /> n�cl assessments v�hich may attain priority over this Sccariry inti3rument as n lien on the Property;(b)yrarly li;aseS�r�ld payments
<br /> ar ground rents on tl►e Progerty,if ar►y;(c)yearly hazard or property insurance premiums;(d)yearly flood insurance premiums,
<br /> if nny; (e)yearly mort�;age insur�mce premiums, lf any;und(� any sums payablc by Borrower to Lender. in accordnnce with
<br /> the nrovisions of paragrsph S, in lieu of the payment of mortgnge insurunce preuiiums.These items are called "Escrow Items."
<br /> Lender may, at any time, coltect and hold Fmids in un amount not to exces�cl the maximum amount a Icndcr for a fedcrilly
<br /> relnted mongage lonn rnay require for Borrower's es�row account under the federal Real F.state Setttcment Procedures Aci of
<br /> 1974 as nmcnded from timc to time, 12 U.a.C. Scctian 26Q1 e�ser�. ("RE5PA"), unlcss nnother Inw th:it i+pplics to thc Funds
<br /> sets s lesscr amount. If so, L��ider muy, ut nny dnze, a�llect and he�ld Fuitda in an �ntount not tn excccd d:c Icsscr amount.
<br /> I.cn�cr may cstimatc thc nmaunt of Funds duc an thc bnsiy of currcnt dntn und reasannblc c�dnu�tcs�if expcnditures i�P futurc
<br /> Escrow It�n�s or athcrwisc in nca�rdnncc with nppllcnblc In�v,
<br /> 7'hc Funds nhnll i�c hcld in un InsdtuUon whosc dcpositx nrc Insurcd lry u Fcdcr,d ugcncy, iitstrumcntidity, or cnUty
<br /> (i�icluding I.AUdcr,if I,axlcr ix such un instituNa�>or in imy Fccicral Homo Loun Dank.I.endcr nh.dl upply thc Funds to pny thc
<br /> Escrow Itenia. L.cndcr mny nat chuPgc[3ormwcr for holJing und npplyin�thc Funds, «nnuully unnlyting thc cscrow uccuunt,or
<br /> vcrifyi��g the�?scrnw Iteme;, unless Lcncler pay�Y3c�rrower interer;t an Ih�s Funds nnd nppllcublo law pennitg L�ender t�m:ake such
<br /> a chargc.Howcvcr, I,cndcr mny rcyuire Bor��uwer to piry a onc-timc chnrge far un indepcndcnt rcal estate tax repurti��g scrvice
<br /> uscd by l.endcr in conncction with thie loan, unlcss upplicublc !uw providcs athcrwisa Unless Un ngrecment is madc or
<br /> npplicnble law rcquires interest ta bc paid, Lendcr shull not be requlred to pny Borrowtr any intcrest or carnings on the Funds.
<br /> Barrowcr unJ L.ender may agree in writina, l�owevcr, that intcrest shall bc paid an the Fundb. Lender shall give to Borrawer,
<br /> witltmlt chr►ra�; an�nnnt�) arrni�ntj�loo nf rhr F��„�Ic, �h��,jna�f,�i�� s,•!��Pbii�f�»he FsndS ssid t4:e L•. �- uh'sCli �,�h
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<br /> debit to the Funds wus made.The Funds are pled;ed as additional security for all sums securcd by this Security Instrument.
<br /> If tho Funds held by/.t:nder excecd the iunounts permttted to be hcld by applicnble luw, I,endcr shall account to Bonower
<br /> for thc exce.cs Funds in accordunce tivith the requirements of applicublc Ixw. If the amount of the Funds hcld by l,ender at any
<br /> time is not sufficient to pay the Escraw Items when due.Lender muy so notify Borrower in writing,and,in such ense Borrower
<br /> shall puy ta I.ender the amount necessnry to make up dic deficiency. Borrower shal{ make up tl�e deficiency in no more thmi
<br /> twelve monthly payments,At Lender's sole discretIon.
<br /> Upon pnymant In full of nll sums secured by this Security Instrument, Lendcr shall promptly refund tu Borrowcr any
<br /> Funds hcld by[.cndcr.If, undcr para�raph 21,Lendcr shall acquire or sell tlie Prnperty,Lender,prior to the acquisitioti or sa�e
<br /> • af the Property, shull Apply any Funds hr,ld fiy Lender at tho time of acquisition or sale ns a creclit against the sums secured by
<br /> th;s Security Instrumcnt.
<br /> 3.Appltcation of Puyments.Unless applicable luw providca othorwisc.all payments received by Lender under paragrnphs
<br /> 1�nnd 2 shall be upplied: t3rst, to uny prepayment charges due undcr the Note; second,to amounts�ayable undcr pnrngr�sph 2;
<br /> third,to in4erest duc:fourth,to nrrinctoal due:and last.to anv late charg�s duc under the Note.
<br /> 4. Charges; Liec�s. Borrower sl�aQ nay all t�xes, assessments, charges, fines und impositions attributable to the Propetty
<br /> wtilc{� uiay attaln pr[ority over li�is SeCUrity Instsuute�u, �tnd leaiselwlJ puyntents or ground rents, if any. Borrower shall pay
<br /> these oblig�tions in the manner provided in�uragraph 2,or if not pald in that manner.8orrower shall vay tl�em on time dircctly
<br /> to the person owed payment. Borrower siwli promptly furnish to I.ender all nntices of amountx to be paid under this paragraph.
<br /> If Horrowcr makes these paymcnts directly, Borrower shall promptly furnish to L.endcr reccipts evidencing the{�ayments.
<br /> Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonowet:(a)agrces in
<br /> writing ta the payment of tha abligation secured by the lien in a mannes acceptable to I.e:tder; (b)contests in good'fnith the lien
<br /> by, or defends �guinst enforcement of thc lien in, legal procec:dings which in the I�endcr's opinion operate to prevent the
<br /> anforcement of tlie lien;or(c)secures from die holder of the lien an 1�rcement sntisfactory to Lendcr subaidinAdng the lien to
<br /> this Security Instrument. If Lcnder determines that any part of the Propcny is subject to a lien wliich may attain priority over
<br /> thia Security Instrument,Lendcr ntay give Borrowcr a notice identifying the licn.Borrower shall satisfy the lien ar tnkc onc or
<br /> more of tlte actiais sct fortli above within 10 days of thc giving of noticc.
<br /> Form 3028 8/80
<br /> PaQU s m e
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