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<br />° 'fnG�TH�R�VI'd'I�nll ihe impeovemc►us no���or he��caficr crcctcc!an the p�Y�pei•ey,nnd i�ll casenunts,npp��rteyinnc�:;,n�zd I
<br /> fixtu��es �imv orr Iicr�aRer u part ��fr the hrpp:rty. All replrce�uent, and addidon�� rhall idso b� covc��ed by thir; Sccurity
<br />= Insti�imcnt. All of tl�e feregoing is rcfcrrcal ta in tl�is Sccurity Instrument ns the"I�roperty." �
<br /> DORROWER COVENAN fS that 8arrowcr is lawfully selsed of tlie estnte hcreby convcy�d nnd lia.y Nie right to prAnt nnd
<br /> canvcy thc Propeny nnd thnt the Prupcny is unencumbered, exccpt for cncumbrnnces of recc�rd. 8orrowcr wcirmnls nnd will '
<br />- defenci arnerally the title ta tl�e Pra�erty nguinst ull claims and demands,subj�ct to any encu�nbrunc�s af record.
<br />__ TH[S SECURITY INSTRUM�NT combinca unlfar�n covcnants far national uss nnd uon-uniform covcnants with 13m1ted
<br />- variutiuns by jurisd(clion to canstitu2e n�uiCa�•�i�seeurity imt�u���en►cuvering re:d pro�rerty.
<br /> •��ttn�n��n��rnl�%titili.nt)_ UW�C�..1. f!�,7CC CUYCtl..i2[fli2l!B�iL`9°IOl.U�!'9: .
<br /> ut'��l•a nlval.alVC.v l� 1�t1 i� n lt i ..
<br /> 1. Fayment o!Principal and Intetrst; Prepayment attd Y.ate Charg�s. llorrowcr shall prornptly pay �vhen due the
<br /> pcineipal of und interest on the debt evidenced by the Note and any prepAyment und lute cl�arges due u�ider the Note.
<br /> 2. FYinds tor Taxcs und Insura�xc. Subject to upplicablc law or to n written waiver by Lcnder, Horrower shall pay to '
<br /> Lendcr on thc duy monthly paymcnts are due undcr the Notc, until the Notc is paid in full,a sum("Fands")for: (u)yearly taxes '
<br /> 1nd asscssments which may attain priorlty aver this Security Inst�-ucnent ns t�licn on the Properry;(b)yc�lriy Icusehold payments �
<br /> or ground rents on the Property. if any;(c)yearly hr�zard or pmperty insuruncc premiumv; (d)ycarly flond insurance�remiomg, '
<br /> if any; (e) yearly mort�age insurnnce premiums, if any; and(n an� sums psyable by Borrower to Lender. in accardance with
<br /> the provisions�f paragraph 8, in licu of the puyment of mortgsgc ins�!runce premiums.Thes�items nre called "Escrow Items." �
<br /> I.�nct;,r m�.y, at any t�cn?, colkct aeid hc,ld Fwi.ia in uu amount not to exc�d the maximum amon:�t a Icndcr for a fcdcrally
<br /> related morigage loan may require for Borrower's escrow uccount under the fedcral Real Estate Settlement Procedures Aet of
<br /> 1974 c�s umended from time to time, 12 U.S.C. Section 2601 et ser�. ("RESPA"),unless another law that applies to the Funds
<br /> sets n Icsser umount. If sa, L.ender may, at any time, collect and hold Funds in an amount not to exceed the(esser wnount. ,
<br /> ;.ender i„ay �stimat� �he amaunt of Funds due on the basis of cunent data and reasonable estinates of expenditures of flature
<br /> Escrow Items or otherwise in accordance with applicable Iaw.
<br /> The Punds shall be l�eld in an institution whose deposits are insured by a federal agency. instrumentality, or entity
<br /> (includinfi I.ender,if L.ender es sucl�un institution)or in any Federal Home Loan Bank. I.endcr shall apply�he Funds:o pay the
<br /> Escrow Items.Lender may not churge Bonower for holding and applying the Funds,annuully analyzing the escrow account,ar
<br /> verifying the Escrow Items, unlcss[.ender pays Borcower intcrest on thc Funds and appl�cable law permits Ixnder to nsake such
<br /> n charge. However, I.ender may require Borrower to pay n one-time charge for an independent real estate tax reporting service
<br /> used by I.,ender in wnnection with this lo�n, unless applicablc !aw provides otherwise. Unless a�� �grcc�r.ent ls made or
<br /> appljcahle law requires interest to be paid, Lender shall not be required to pay Borrower uny interest or earnings on thc Funds.
<br /> Borrower and Lender may agree in writins, however, that lnterest shall bc paid on the Funds. Lendcr sh�ll give to Borrower,
<br /> without charge, an annuat stccounting of the Funds, showing credits and debits to the Fupds and the purpose for which cach
<br /> debit to the Funds was mude.The Funds are pledged as udditiona!security for all sums sccured by d�is Sccurity Instrument.
<br /> If the Punds held by I.ender exceed the a�nounts permitted to be held by applicable ladv,Lender shall accaunt to HoiYOwer
<br /> for the excess Funds in uccordunce with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> time is not suf�cient to pay the Escrow Items when due,Lender may so notify Aorrower in writing,and,in such tase}3orcawar
<br /> shall pay to Ixnder the amount necessary ta make up th.e deficiency. Borruwer shall muke up the de6ciency in no more than
<br /> twelve montlily payments,ut Lender's sole discretion.
<br /> Upon payment in full of nll sums secured by thia Security Instrument, Lender shall pmmptly refund ta Borrower any
<br /> Funds held by J.ender. If.under puragraph 21, Lender shall acquire or sell the Property,Lender,prior to the ncquisition or sale
<br /> of the Properry, shail apply any Funds hcld by Lender at thc tlm�of acquisition or sale ns a credit aguinst the sums secured by
<br /> this Security Instrument.
<br /> 3.Ap�►lication of Payments.Unless applicable law pmvidcs otherwise,ull payments received by Lender under paregraphs
<br /> 1 and 2 shal(be applied: �rst, to nny prepayment charges due under the Note;second,to amounts pnysble under puragraph 2;
<br /> third,to interesf due;fourth,to principnl due;and last.to any late churges due under the Note.
<br /> 4.Charges;I 1ens. Borrower shail pay all taxes.ussessmenGS, charges, fines und impositions attributable to che Property
<br /> which may attniu priority over this Security Instrument, and Ieasehold puyments or ground rents,if any. Borrower shall pay
<br /> thcse Qbliguttons in the manner provided in paragrapl�2,or if not paid in Rhat manncr, Borrower shall pay them on time directly
<br /> to the person owed payment. I3orrower sha11 promptly tnrnish to I.ender c�ll notices of amounts to be paid under this para�ranb. _
<br /> If fiorrower makes these payments dlrectly,Borrower shatl prompdy furnish to Lender reccipts evidencing the payments. —
<br /> Borrower srall promptly dischargc any lien which has priority ovcr this Sccurity Instiument unless Bono�ver:(a)agrees in
<br /> writing to the puyment of the obligation secured by the lien in a manner Acccptable to Lender;(bl contests in good faith the licn
<br /> by, or defsnds agaiust enforcement of the lien in, Iegal proceedings which in the I.,ender's c►pinion operate to prevent the
<br /> enforcement of the lien; or(c)secures from the holder of the lien a�i agrecment satisfactory to i.ender subordinating tfte lien to
<br /> this Security Instrument. If Lender determines that any part of the Property i�subjcct to a lien which may attain priority o��er
<br /> this Security Instrument,Lender mny give Borrower a notice idcntifying thc lien. Borrowcr sl�all sntis�y the lien or tuke one or -
<br />. more of the actions set fotth above�vithin 10 days of the giving of notice.
<br />" Fo►m 3028 S/fi0
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