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<br /> . •nd all eascTiicri�a��na���1�i _
<br /> " . rOG�THFK WITH all the improvcments now on c�rcufter ere�tcd on tl�e property, a p�
<br /> ` � fixtures now on c�rcaftcr a part of thc property, AU rcpl�ccrncnts nnd additions shull alsa bc covcred hy this Sccurity
<br /> Insn�umcnt. AU of the fureboing is refcrred to in this Sccurity In�trmnent as the"Propei�ty.'
<br /> i �% BORROWER COVENANTS that Borrowcr is IawfuUy seiscd of the estatc hereby canvcycd und hati thc right to grunt and
<br /> '�� convey the Property und that the Property is unencumberui, except for encumbrances ��(record. Borrower warr,mts und wili
<br /> t defcnd generally the title to the Property against uil clnims nnd dernands,subject to any cnwmbrances of recurd.
<br /> - ��''•� THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform rnvenaius with limited
<br /> - variations by jurisdiction to constitute a uniform securiry instrument covering reAl propeny.
<br /> _��,�,�' UNIFORM COVENANTS.Borrowcr und L.endcr cover�ant and agree�.s follo�vs: ;-
<br /> -, 1. Payment of PrinslpAl nnd Interest; Prepayment and Latc Char�es. Borrowcr shall promptly puy when due the �
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<br /> � � � ' principal of and interest on the dcbt evidenced by thc Note und any prepayment und latc charges due under thc Note. `
<br /> , �.. � Z. Funds for Taxes and Insurnnce. Subject to applicable law or to a written waiver by Lender. Borruwer sltiall pay to
<br /> � Le�idcr on the day monthly puymcnts are due under thc IVotc,until thc Note is paid in full,a sum("Funds") for:(u)ycurly taxes _
<br /> �� � ��' and assessments which may attain priority over this Security Instrument as a lien on the Property;(b)yeurly leusehold payments
<br />- or graund rents on the Property,if any;(c)yexrly hazttrd or propeny insurance premiums;(d)yearly ftood insurunce premiums,
<br />-_ s���:�; ' if any; (e) yearly mortgage insurunce premiums, if any: and (� any sums payable by�orrower to Lender, in uccordance with
<br /> �'�.�:��5':
<br /> �.�:,�k- the provisions of paragraph 8, in lieu of the payment of mortgage insurnnce premiums. These items are called"Escrow Items."
<br />�'`� ���"'�`, Lender may, at any time, collect and hold Funds in an nmount not to exceed the maacimum amount a lender for a federally
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<br /> -t1:�z�.},,�� related mortgage loan may require for Borrower's�scrow account uncler the federal Real Estate Setdement Pro�edures Act af
<br />_- 1974 as amended from time to time, 12 U.S.C. Section 26Q1 et seq. ("RESPA°), unless another law that applies to the Funds
<br /> � '.-��� sets a lesser amount. If so, Lender may. at any time, collect and hold Funds in an tunounl not to excced the lesser amount. -.
<br /> �7.�:� � L.ender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
<br /> ' � '• Escrow Items or otherwise in accordance with applicable law.
<br /> -�'�`�������t The Funds shall be held in an institution whose deposits are insured by a federnl agency, instrumentality, or entity
<br /> ;,;,,,,�` (including Lender,if Lender is such an institution)or in any Federal Home Loan Bank. [.ender shall apply the Funds to pay thc
<br /> �:,,,;��;;�. Escrow]tems. Lender may not churge Bonower for holding and applying the Funds,nnnunlly analyzing the escrow account,or
<br /> °`�,x,;;; ' verifying the Escrow items,unless I.ender pays Borrower interest on the Funds and applicable lew permits Lender to make such
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<br />-_.�,�:,��� n charge. However, L.ender may require Borrower to pay a one-time charge for an independent real estatc tax reporting scrvicc
<br /> =-°°`=�..— �:se� by LPn.der 4n Cnn�Frticin with this loan, unless applicabte law provides otherwise. Unless nn agreement is made or
<br /> "�'w;u--,�- applicable law requires interest to bc ptud,Lender shall not be required to pay Bonower any interest or earnings on the Funds.
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<br /> _.,�;;�,,;;;,.� Borrawer and L,ender may a�ree in writing, however,that interest shall be paid on the Funds,Lender shall give to arrower,
<br /> ---=L.:,�;°;5 without charge, an annual accounting of the Funds, showing credits and debits to the Funds and thc purpose for which each
<br /> - --'�'—' debit to the Punds was made. The Funds are pled�ed as additional security for all sums secured by this Security Instrument.
<br />_-_°=*=`�;���'� If the Funds held by l.ender exceed the amounts perniitted to be held by epplicable law, i,ender shall account to Borrower
<br /> for the excess Funds in accordunca with the requirements of applicuble law. If the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay ehe Escrow Items when due, Lender may so notify Borrower in writing,and,in such case Bonower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shell make up the deficiency in no more than
<br /> twelve monthly payments.ut Lendcr's sole discretion.
<br /> Y Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower uny
<br /> - Funds held by Lender.If. under parngraph 2l, I.ender shali acquire or sell the Properry.Lender, prior to the acquisition or sule
<br /> of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit aguinst the sums secured by
<br /> --- this Security Instrument.
<br /> 3.Applicatton of Payments.Unless applicable law provides otherwise.all pnyments receiveci�by I.ender under paragraphs
<br /> 1 and 2 shall be applied: first,to eny prepayment charges due under the Note;second. to amounts payable under paragraph 2:
<br /> - third,to intcrest due;faurth.to principal due;and last,to any late chazges due under the Note.
<br /> --.------ 4.Charges;I.iens. Borrowcr shtill pay ull taxes, assessments, chargcs.fines and impositions attributable to the Property
<br /> which may attain priority over this Security Instrument, and leASChold payments or ground rents,if any. Horrower shnil puy
<br /> these abligations in the manner provided in parngrph 2,or if not paid in that munner,Borrower shall puy them on time directly
<br /> to the person owed payment. Borrowcr shall promptly furnish to Lendcr ull notices of amounts to be puid under this paragraph.
<br /> � Cf Borrower makes thes�payments dirc�:tly,Borrowcr shall promptly furnish to Lender receipts evidcncing the paymcnts.
<br /> Borrower shall promptly discAarge any licn which has priority over this Security Instrument unless Horro�ver: (a)n6rees in
<br /> ----- - writing to the payment of the abligation secured by the lien in a manner acceptable to L.ender;(b) wntests in good faith the lien
<br />_�-�� by, or defends aguinst enforcement of the lien in. Iegal proceedings which in the I.ender's opinion operate to prevent the
<br /> �- - enforcement of the lien; or(c)secures from thc holder of the lien un agreement satisfactory to Lender subordinating the lien to
<br /> -±c��= this Security Instrument. If Lcndcr dctermines that nny part of the Property is subject to u lien which may attain priority over
<br /> _"-*"��'^�''� this 3ecu�7ty Instrument. Lendcr may give Borrower a nottce identifying the lien. Borcower shall satisfy the lien or take one or
<br /> '"`�''�`{�` more of the actions set fonh above within 10 days of ti�e giving of notice.
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<br /> __°�;r#���� . Form 3028 9l80
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