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<br /> TOGFTNfiR WI'1'N i�ll tbc irnprovenicnts now�r hereafter ercetcd on thc property.und ull cascment�:. up�t� nccs��x1
<br /> fixturcti nmv on c�rr.uRcr u pan uf thc property. All rcpluccmcnts and additians shidl :uso bc covcrcd by this Sccurfty
<br /> Instrumcnt. All ot'thc 1'arcgoingis rcfcrrcd to in this accuriry Distrumcnt iis thc"Property."
<br /> BORRO�yER COVENANTS that 8orrowcr i�Inwfully sciscd of thc cstntc hcreby conv�yed anJ has thc right tn gr�►n!urxl
<br /> convey ttte Prn�rty und thut the Propeny is unencwttbered, exccp� fm•encumbran�c,of record. Qorm�:�et�varrants and �vill �--
<br /> defei�d genernlly thc tide to the Properry ugainst all ciaims and demands.subject to any encumbrances of recurd.
<br /> THIS S�CURITY WSTRUMGNT combines unifnrm cavenants fur national use and non•uniform covenunts with limitecl
<br /> varintions by jurihdiction to constitute u uniform securiry instrument covering real propc»y.
<br /> UNIFORM COVENANTS. Aorrower and L.cnder covenant nnd agrec�.ti fullaws:
<br /> 1. Peyment o[ Princl��al and lnterest; Pre�uyrn:ent and LAte Chxrqes. Borrowcr shall promptly pay when duc the
<br /> princips�l of 1nd interest on Ute debt evidenced by the Noce and any prepay�nent and late charges due under the Note. —
<br /> 2. Fundx for Tsuces and Insurance. Subject to��rplicable law nr to a written waiver by I.ender, Borrower shall pay to
<br /> Lendcr on t)te dny monthly payments arc due under die Note, until the Note is paid in fufl,a sum("Funds")for: (a)yearly tuxes
<br /> and�ssessments wbich mny�►ttain priority over diis Security Instrument as a lien on the Property; (b)ycarly leasehold paynxnts
<br /> ar 6round rentE on the Praperty,if nny;(c)yearly htuard or property insurance prcmiums; (d)yearly flood insurance prcmiums,
<br /> if any; (e)yearly ma�tguge insurance premiums, if n�iy: nnd (�any sums payable by Borrower to Lender.in accordance with
<br /> the pravisic►nF nf par:iBroph 8,in lieu of the plyment of mortguge insurance premiums.These items are called "Escrow Items." �
<br /> Lender mny, nt tu�y 2ime, cullect nnd hold Funds in an amount not to exceed the maximum amount a lender for a federally
<br /> related mongaga lonn may mqulre for Borrower's escr�w account under the federal Real Estate Settlement Prcxedures Act of
<br /> 1974 fl��mendcd from time fo iirne, 12 U.S.C. Sc;ction Z6�1 et ceq. ("RESPA"),unless another Iaw that applies to the Punds
<br /> scts a i�.sscr amount. If sa, Lender may, at uny time, cvllect and hold Funds in an fltn�nt not to cxceed the lesser amount.
<br /> I.cndcr may estimutc Nic umount of Funds duc on tl�e basis of current data and re.�.�qnnble estimates of expenditures of futurc
<br /> Escrow Items or ottie�u•ise in uccordnnce with�►ppiicaUle law.
<br /> Thc Funds sluu.� (�e held in an institutiun whose deposits are insured by a fedetal agency, instrumentality, or entity
<br /> (including[.endpr,iF Lender is such tui institutian)or in:tny Federal Home L.van Bank.Lender shnll apply the Funds to pay the
<br /> 8scrotiv Items.i.n:!ider may not charge Barrower for ltalcling and applying tht Funds, annually analyzing the escrow account,or
<br /> ver[fying thc Esr►�rU�Icems. unlcss I.ender pays Burrow¢r interest on the Fmncls t►nd applicable law permits Lender to make such
<br /> a chnrec.}io�vever, i.ender muy require Bonower to pay a one-time charge f'or an independent real estate tax reporting servia
<br /> useci by L.endar In conncction with this loan, unless npplicable law provides otherwise. uniess an agreement is made or
<br /> applicable luw rcyuires intcr�cst to be paid,I.cnder shell rtot be required to pay Bonawer any interest or eamings on the Funds.
<br /> Borrowcr and Laixlcr may ugrce in writing, however, U�ut intcrest shall be paid on the Funds. L.ender shall give to Borrower,
<br /> without chargo. an annuul accounting of the Funds, showing credits and debits to the Funds and the puipose for which each
<br /> debit ta thc�unds wus madc.Tiie Funds are ptedgcd as idditional security for all sums secured by this Secadry Instrument.
<br /> If 1he Funds h�ld by Lender exceal the amount�nermittod to be held by applicable law,Lender shall account to Borrow�r
<br /> fac the excesc Functs in accorduue with the requirements of applicable law. If the amount of the Funds held by L.ender at xny
<br /> time is not sufficicnt to puy tlx Escrow Items wl�cn duc,Lender may so uotify Borrower in writing,A�xl, in such cuse Borrower
<br /> shall pay to Lcnder thc amaunt necessary ta make up �he de�icien<:y. Bortotivcr shall make up thc deficiency in no mure thu►
<br /> twelvc momhly pxymcnts,at l.ender's sc�le discrotion.
<br /> Upon pnyment In full of all sums secureci by this Security Instrument, I.ender shall promptly refw�d to Bonnwer any
<br /> Funds hold by l.endcr.If,undcr paragreph 21, L.cnder sliall acquire or sell the Property. Lender,prior to the acquisition or sale
<br /> of�he Pro�►erty, shull apply any Funds held by Lender ac the time of acquisition or sale as a credit agninst the sums securod by
<br /> this Socurity Insttument.
<br /> 3.Applit�tton qf 1'aymmts.Unless applicublc luw pmvides otl�erwise,all puyments reccived by Lender undcr paragraphs
<br /> 1 and 2 shall bc appliod: f�ut,to uny prepaymcnt cha•ges due undsr the Note; second,to amounts payable under paragraph 2;
<br /> third,to intcrest due;founh,to principal due;and liist,Co any late charges due under the Note.
<br /> 4.Cher�eeer.Llens. Bonov�•er sha11 pay ail tuxes, usscssments,charges, fines and impositions attributable to tiie Property
<br /> which may att:un priority ovcr this Security Instiumcnt,and Icaschold payments or ground rents, if any.Bonower shall pay
<br /> these obligutions in the munner provided in paragruph 2.or if not paid in that manner,Boccower shall pay them on time diroctly
<br /> to the person owod payment.Borrower shall promplly fumish to L.ender all notices of umounts to be paid under this paragraph.
<br /> If Borrou�er mal:e.g these puyments directly,Borrower shull promptly fumish to Lender receipts evidencing the payments.
<br /> Borct�wer shall prumptly dischnrge any lien�vhich has priority over this Security Inctniment unless L3orrower: (a)agrees in
<br /> writing to the payrm�nt of tl�e obligaron secured by the lien in a��anner acceptable to I.ender;(b)contests in good faith the lien
<br /> by, or defcnds :►gainst cnforcement of tlic lien in, tegal procecdings which in zlie Lender's opinion operate to prevent the
<br /> enforcement of the lien:or (c)secures from tl�c hnlder af the lien an agreemcnt satisfactory to L.ender subordinating the lien to
<br /> this Security(nstrument. If Lender detcrn�ines thnt any part of the Property is subject to a lien which may attain priority over
<br /> tl�is Sccurity Instrument, Lendcr may give E3or�ower n notice idcntifying thc lien.Borrower shall satisfy the lien or take one or
<br /> more of thc actions sct forth abovc�vithin 10 duyy of thc giving of notice.
<br /> Form 302a 8/�0
<br /> N.q.zme
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