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<br /> TOGCTH�R WIl'FI ull the in�ro��e�o�ents naw or t+ereaftcr eroctacl un the prope�ty,�uxl all e:►�ei��ents,u{�purtri�YS.+ix1
<br /> tixwres n.�w o� heruflcr y p�rt uf the pr�zrty. All rLpl�cn'�ctus :uid ualditiun.r stwll �laei t+e �u�•crcJ by Ihi. Sctiurit�.
<br /> ltutronx:�u. 1ii�f the toRFoing is rcfern::l ta in tl�is S�tiurity Ii�.�uw�kut+s t}k"Fru�ti�ty » �
<br /> HORROWER CdVE1�iANl'S tlut &+�►.►w�r i� laW fully�is..S��f tlx csi:�fc hc�rt+y�u�tt•e��ed attid tu�s the ri�;ht tu 6r�nt a�Ki =
<br /> convcy the Nn�crty� �tul th:►t tltir !'roperty i� uix�xwi�r�vl, e+c�rpt f��r eikun�t+r�k�.r uP ra+►rJ. 13urruw•�r uzrr:►nts;utd uilf _
<br /> �kfen.i�enerally the tiUc to thr F'rti��rty:�aii�.�t all cl�inu�u!dem:uxls, subJctit tu uny tikumbrancec��f rny,nl. _
<br /> TIi1S SECURITY IN5TRUAI�NT�Y�mbines unifnmi rnvcnantx frr natiu�ul u�r a�xl �x�n-uaifann mvcnant� with liuutitl °
<br /> variatians by juriuliction to cnn�titute a aiifurm secutity irtctrument ro�•crii�nal pn�peny. _
<br /> UNlFORI�1 COVENANTS. &�rcowcr wx!I.cnctcr����ciw�u;uxl a�rx a. f��lk�w�: _
<br /> !. P_�mtxt e� Ptlnci;?o! end Ini!!+t�!: P�;�atm�t r.�.i I�.er('Iwr�. E3.xr.�wee �1►rtl pr�H�wtiv Q:+�� whsti� �iu,c t�.: �'
<br /> PTIf1tK1(�1 oi atlu inlCrc«on iiu�uchi c��iuciw�uy i1u:i�.Kr aw tu�y Fn�Nitj%�iai�i w.3 iuii Cii«.bC:���iS:'.i.�.'T:�:��:•`:�- _
<br /> 2. Eu;ui�Sur i�;:e� �ui i::;u�a;::2. Sub,jnt tu�p�►licat+te t�w ur tu u v��ritten w�aevcr by Lettder.Burmwer shall �y to -
<br /> I.etjdcr�ui the day munthly p:+ymenls are due undcr the Note,until the Ncxe is paid in full,a sum("Funds")f��r:(a)yearty taxes =
<br /> and assessn�ents which may attain prio�ily over this Security In.urument ati a lien on the Ptoperty;(b)y�early Ic�hol�i paynx�nts,
<br /> or ground mnts on the Prapeny, if any; (cl ycarly h:,v.�rd or property incurance premiums;(dl�•early flood insuranc,�e prcmiunu, —
<br /> if any;(c) yearty nwrtgage insurancc prcnuunu, if any;and(fl any sumc paysb�e by Borcawer ta Lender, in uccordance with
<br /> the pmvisiot�of paragraph 8,in liea of the payment of nzortgagc i�uur.uxe premiunu.'i'hesf:itenu are cal�rd 'Escrow Itenu."
<br /> Lencier may, at any time, coflect and hold Funds in an anxwnt not to exceed the maximum amount a tender for�federally
<br /> related martgage iaan may rcquire for Borrower's escrow account und..r the foderal Real Estate Settlenxnt Procrdums Act of
<br /> 1974 as sunended from time to tirx. 12 U.S.C. Sertion 2601 et seq. ("IiESPA"), unless another law t1�at applics to the Fu�xls
<br /> sets p Ic;s�er anwunt. If w, L.e�xler may, at any time, collect and holJ Funds in an a�nount not to excerd the le.cser amount.
<br /> l.endcr may estimate the anwunt of Funds due on the basis of current data And reasonable estimztes af expetxlitums of fuwre
<br /> Escrow itemc or otherwise in accordvtce with�pplicable law.
<br /> The Funds shall be held in an institution whose deposits suc insured by a fvderal agen:y, instrwnentulity, or entity
<br /> (including l.ender,if Lender is such an inctitution)or in any Federal Home[.oan Bank.i.ender shall apply the Funds to pay the
<br /> Fccmw�temc. [.enier may mt chuae Bormwer for holding and anplying the Funds,annually an�lyzing the escrow account.or
<br /> verifying the Escrow Items,unless Lender pays Borrower ituerest on the Funds u�d applicable I�w pernuts Lender to m11cc such
<br /> a charge. Efiowever. L.ender may require Borrower tn pay a ane-time charge for an indepe�dent i�eal estate tax reporting service
<br /> used by L.ender in conneccion wit� this loan, unless applicable law provides otherwise. Untess an agreement is made or
<br /> applicable law requires icuert�st to be paid.Lender s}mll not be required to pa}Borruwer any interest or eamings on the Funds.
<br /> Borrower and Lender may agn;; in writing,however,that interest shall be paid on the Funds. Lender shall give to Borcower,
<br /> without charge, �n annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was macle.The Funds are pledged as acWitional security for all sums secura�l by this Security Instrument.
<br /> If the Funds hcld by Lender cxceed the amount�pertnitted to be held by applicable law.Lender shsli x,�count to Botrower
<br /> for the excess Funds in accordan..,e with the requirements of applicuble law. If the amount of the Funds he:d by I.ender al any
<br /> time is not sufficient to pay the Escrow Items when due.Lender may so notifv Borrower in writing,and,in such case Borrower
<br /> shall pay to l.ender the amount neassary to malce up the deficiency. Borror��er shall make up the deficiency in no more thace
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> Upv�ca payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
<br /> Funds heid by Lender.If,under paragraph 21,Lender shall zcquire or sell the Property,Ixnder,prior to the acquisition or sale
<br /> . af:t`�°:::rt;y.S,h�!!�Y1�!sfi F� � l�l�!�y L�!+�et?i I!X tim?of arnnicitinn or cale a:a cre.�iit a¢ainst the sums secured by _
<br /> this Securiry Inst�vment.
<br /> 3.A�p[icatiom of Paya�eats.ilnless applicable law ptovides otherwise. all payments reoeived by Lender under paragraphs
<br /> t and 2 shall be applied: first,to any prepayment charges due under the Note;second.co amounts payable u��der paragraph 2:
<br /> third,to interest due;fwuth,to principal due;and last,to any l�te charges due under the Note.
<br /> 4. Ch�rges;Lien�. Borrower shall pay all taxes,assessments, chargcs, fines and impositions amib�Ule to the Property
<br /> which may attain priority ovet this Se:.uriry Instiument, ar�d leasehold paymeius or ground rents, if any. Borcower shall pay
<br /> ttuse obligations in the manner�rovided in paragraph 2,or if not paid in that maiuier,Botrowzr shall pay them on time dircctly
<br /> to the person owed payment. Borrower shall promptly furnish to li.ender all notias of amounts to be paid under this par-�y^raph.
<br /> If Borrower maices these payments directly,Borrower slnll protttp¢3y fumish to l.er�der roceipts evidencing the paymenu.
<br /> Borrower slwll protnptly discharge any lien wEtic�' •s priority over this Securety Instwnent unless Borrower: (a)agrees in
<br /> writing to the payment of the obligation secured b}•the uen in a m�nner acceptable to Ler�der;(b)caruests in good faith the lien
<br /> by. or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion op,.,rau to prevent the
<br /> enfarcernent of 1he lien;or(c)secures trom the holder of the iien an agreement satisfactarv to Lender sut�ordinating thc lien w
<br /> this Security U�stwr►ent. If Lender determines thai any part of the Property is sub,ject to a fien which may attain prioriry over
<br /> this Securiry IrutrwneuE,i.ender may give Borrower a notice identifying the tiea.Botrower shall satisfy the lien nr t�lce one or
<br /> �nare of the actions set:�rth abovt within 10 days of the giving of notice.
<br /> Form 3028 91a0
<br /> P�p2d•
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