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<br /> TO(iETH�R WITH nll�he improvements naw ar hereaRer erected on the praperty, atlflldl casements, appunenunces,und
<br /> fixtures now or hercaftcr n pan of thc property. All replacements and additions shall also bc covcrcd by this Security
<br /> Instrument. All nf thc forcEtoin�; is rel'srrcJ to in this Sccurity Instrument us dic"Prop�:rty."
<br /> BORROW�R CQVENANTS thut Iicvrrower is lawfully seised of the c�tate hereby comeyai and has[hc right ca grant und
<br /> convey thc Property and thet tne Property ia unencumbcred, cxcept for cncumbrance�of record. Borrower warriints u�x1 will
<br /> defend senernlly the title to the Property uguinst�II claim�mxi demunds,subject ta uny encumbrances of recard.
<br /> TH1S SECURITY INSTRUMENT combincs uniform covennnts for nationul use nnd nmruniform covennnts with limiteif
<br /> variations by jurisdicoion ta rnnstitute a uniform security instrument covering reul property.
<br /> UNIFORM COV6NANTS.Borrower oncl Lencler covenant and ugree us follows:
<br /> l. PAyment ot PrinclpAl And Interest; Prepayment and L.ate Charges. Borrowcr shall promptly pay when duc the
<br /> principal of and interest on the debt evide�tced by the Nate and any prepayment and late charges due under the Note.
<br /> 2. F�nds tur Taxes wnd Ittsurnnce. Subject to applicable law or to a written waiver by Lender, Banuwer shall pay to
<br /> Lendcr on the day monthly paymcnts are duc under the Note,until the Notc is paid in full,a sum("Funds") for:(a)ycarly taxes
<br /> and assessments which may attain priority ovor this.°,ecurity Instrument.as a lien on the Property;(by yearly Ieasehold payments
<br /> or ground rents on rhe Prapeny.if any;(c1 yearly hazard or propeRy insurana premiums;(d)yearly flood insurance prexniums,
<br /> if any; (e}yearty martga3c insurancc premiums, iF any;and tfl nt►;sums payable by Borrower to Lender, in aceordance with
<br /> the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums.These items are called"Escrow Items."
<br /> Lender muy. at any timc, callect and hold Funds in an amount nat to exceed thc maximum emount a lender for a federally
<br /> related mortgage loan may require for Borrower's eserow accuunt under the federul Real Estate Settlement Proceiiures Act of
<br /> 1974 as amended from time to time, 12 U.S.C. Scction 2601 et seq. ("RESPA"),unless another law that applies to the Funds
<br /> sets a lesser nmount. If so. Lender may. at any time,collect and hold Funds in an amount not to exceed the lesser amount.
<br /> I.cndor n�ay estimate the amount of Funds due on the basis of current data and reasonable astimates of expenditures of futune
<br /> Escrow Items or otherwise in accardunce with applica6le law.
<br /> The Funds shall t►e held in an institution whose deposits ac�e insure,d by a federal agency, instninxntality, or entity
<br /> (including Lender,if L.endcr is such an institution)or in any Fcderal Home Loan Bank.Lender shall apply the Funds to pa�y the
<br /> Escrow Items. Lender may not charge Borrower for holding and applying the Funds, unnually analyzing the escrow accouns.or
<br /> :•�rif;i:sg thz�.cs�::�I.er.is,snlP.�s!Pnde*�;s�rr�►we� interest on the Punds sztd applicable Isw permits Lender to make such
<br /> a charge.Howev�r,Lender may requirc Botrowcr to pay a one-time chazge for an independtnt rcal estate tax reporting scrvice
<br /> used by l.ender in cunnection with this loan, unless npplicnble law provides otherwise. Unless an agrament is made ar
<br /> applicable law requires interost to be paid.Lender shall not be required to pay Borrower any intcrest or earnings on tne Funds.
<br /> Borrower and Lender may agree in writing,t�owever,that Interest shall be paid on the Funds.L.endec ehall give to Borrower,
<br /> without charge, un annual accounting of the Funds. shou�ing credits and debits to the Funds and the purpose for which each
<br /> debit to the Funds was made.l'he Funds are pledga! as additional security for ali sums secured by this Security Instrument.
<br /> 1�F ihe Funds held by Lender exceal the amounts permitted to be held by applicable law, Lender shall sucount to Borrower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by L.ender at sny
<br /> time is not sufficient to pay the Escrow Items when due,Lerxier may so notify Borrower in writing,and,in such case Bortower
<br /> shall pay to Lender the cimount txassary to make up the deftciency. Borrower shall make up the deficiency in no more then
<br /> twelve monthly payments,at L.cnder's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refu��d to Borrower any
<br /> Funds held by Lcnder.If,under paragraph 2l. Lender shall acquire or sell the Psnperty,Lender,prior to the acquisition or sale
<br /> of the Property,shap apply any Funds held by Lender at the time of acquisition or sale ras a credit against the sums securcd by
<br /> this Security Insta�ment.
<br /> 3.Appllcation ot Payments.Unless applicable law provides otherwise,all paymencs recelved by Lender under paragraphs
<br /> 1 and 2 shall be applied: first, to a►�y prepayment charges d►►e under the Note; second,to arnounts payable under pa��agraph 2;
<br /> third,4a Interest due;fourth,to pri�xipal due: and last,to any Iate charges due undsr the Note.
<br /> 4.Clwrges; Lkns. Borrower shall pay all taxes,assessments,chargcs,fines and irnpositions attributable to the Property
<br /> which may attnin priority over this Security Instrument. and leasehold payments or ground rents, if uny. Borrower shall pay �
<br /> these obligations in the manner provided in paragreph 2,or if not paid in that manner,Borrower shall pay them on time directly
<br /> to the person owod payment.Borrower shall promptly(urnish to Lcndcr all noticcs of umounts to be paid under this pan�graph.
<br /> If Borrower makcs these payments directly,Borrower shall promptly fum9sh to Lender reoeip�s eviderocing the payments.
<br /> Borcower shall pro�nptly discharge any lien wliich lias priority over this Security Instrumrnt unless 13orrower:(a)agrces in
<br /> writing to tha payment of the obligatio�i secured by thc lien in a manner acceptable to Lender;(b)conteses in gaad f'aith the lien
<br /> by. or defends against enForcement of the lien in. Iegal proce�.�dings which in the Lender's opinion opera[e to pcevent the
<br /> enfon:ement of the lien;or(c)secures from the holder of the lien an agreement satisfacrory to Lender subordinating the lien to
<br /> this Security [nstrument. [f i.ender determines tl�at any part of the Propcny is subject to a lien which may uttain priority over
<br /> this Security Instn�ment, I.endcr may give Horrower a notice identifying the licn.Borrower shall satisfy thc lien or tuke one er
<br /> more of the actions set forth above within 10 days of the giving of noticc.
<br /> Form 3028 9180
<br /> Paga 2 01 8
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