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<br /> TOOETHLR WITIi all thc improvcments nuw on c�reafter erected on thc property.unJ �II et+semcntz,��ppunemuiccs, und
<br /> fixwres now on c�rcaftcr �� p:�rt of ihc proncrty. All replucements nnd udditicros shull ulso hc covcmd hy this Security
<br /> Instrumcnt.All nF thc furcg�+inp is rct'crrcd to in this Sccurity Instrumcnt us thc"Pmperty•"
<br /> 130KRQW�N CQVGNANTS iha�t Burrowcr is luwfully tciscd af thc cstiUc hcrcby cunvuycJ und h�a,thc right tu gr.mt and
<br /> convey the Propeny nnel thut the Property is unencumben:d, except for cncumbrunccs uf rra�rd. Aorr��we�wurnmtti and wil!
<br /> defcnd generally thc tiAc tu thc Property ngumst ull rluims und dcmunJ,,subjcrt to uny encumbrunces uf rccnrJ.
<br /> THIS SECURITY INSTRUM�NT cambincs uniform cnvcnunts for natiunul usc and ntm•uniform a�ventuits wid� limital
<br /> vnriutions by juriuticUim to c�mstitutc a uniform securiry instrument covering reul property•
<br /> UNIHORM CUV�NANTS.Iknr�m•cc and l.cndcr cnvennitt nnd az!rcc us folluws: _
<br /> 1. Payment ot Prtnclpwl And lnteresti Prep�►y
<br /> ment Ynd l.�tte Ctwrys�. &ttrowcr ,hall promptly pay whru du�;Ihc
<br /> principal of anJ interest un the debt evidenced by the Note and any prepayment u��J lute chnrges duc under thc N��te.
<br /> 2. Fund�for Tox�v wnd Insurnnce. Subject t� applicable law�r ro u writtcn wui�•er by [.ender. Burrower tihall puy tt�
<br /> Lender on thc day monthly payments are duc uncier the Note.until the Natc is paiJ in full,a sum ("Funds"1 for: (nl ycarly t�cs
<br /> und a.ssessments which may attain priority over this Security lnstrument as a lien on tlie Propeny: lb)yearly Ieasehald payrrxnts
<br /> or ground rems an ttic ProNerty,if nny;(c)yearly hazard or property uny�naC ble by Borrowcr tpyL.��d r n n s�ic•urdan e�uwitt�
<br /> if any: (e)yearly mortgage insurnncc premiums, if any:and(� a�►Y• P'Y
<br /> the provisions of paragraph 8,in lieu of the payment of mortgage insurnnce prcmiurr�.s.These items are culled "Escrow Items."
<br /> L.ender may. at nny time, coUect and hold Funds in an amount not to cxcced the maximum amount a Ierxler for u federolly
<br /> related martgage loan may require for Barrower's escmw uccount undee the federal Real Estate Sctticment Proeedures Ac!of
<br /> 1974 as amended from time to time. 12 U.S.C. Seccion 2601 et seq. ("RESPA"),unless another law chat applies to tha Funds
<br /> sccs�lesscr umount. If so. Lender n►ay. at nny time, collect and hold Funds tn nn amount not to exceed the lesscr amount.
<br /> Lender muy esttmnte the amount of Funds due on thc b;�i�uf carrent data and reasonable estimates of cxpenditures of future •
<br /> Es�:row Items or otherwise tn uccordance with applicab�e law.
<br /> The Funds shall be held in an institution whase deposits are insured by a federal agency. instrumentality, or entity
<br /> (including l.ender,if l.ender is such an institution)or in any Federal Hon�e Loan Bank.l.ender shall upply the�unds to pay the
<br /> Escrow Items.Lender may not charge Borrower for holding and upplying the Funds, annually analYzing the escrow account,or
<br /> verifying the Escrow Items. unless Lender pays Horrower interest on the Funds and applicable law permits Lender to make wch
<br /> u charge. However.l.ender may require Borrower to pay a one-time charge for an independent rea�estate tex reporting service
<br /> ased by I.ender in connection with this loan. unless applicable law provides othenvise. Untcss an agreement is madc or
<br /> applicable law requires interest to be paid.Lender shall not bc reyuired to pay Borrower enY interest or earr►ings on the Funds.
<br /> Borrower and Ler�der may agrce in writing. how�ver,that interest shall be paid on the Fands. i.ender shall�ivfor hich esch
<br /> without charge. an annual accounting of the Funds, showing credits and debits to the Funds and the parpo
<br /> debit to the Funds was made.'t'he runcis are pIaigat+ti a.�di:ics�!�curit;f�r a!1 s��mc cecured by this Security Inshnment.
<br /> If the Furds held by L.ender exceed the amounts permitted to be held by applicable law,Lender shall eccount to Borrower
<br /> for the excess Funds in accordance with the requiremenu of applicable Inw. If the amount of the Funds held by Lencler at any
<br /> t�me is not sufficient co pay the Escrow Items when due,I.ender may sa�natifY BorroWCr in wdting.and,in such c�sse Borrower
<br /> sha{I pay to Lender the unwunt necessary to make up the def clency. Borrowar shall make up d�e deficiancy in no more than
<br /> twetve monthly payments, at L,ender's sale discretion.
<br /> Upon payment in full of all sums secured by this Securiry Instrument. I.ender shall prompnl c�����on at sale
<br /> Funds heid by Lender.If, under paragraph 2�. I.ender shall acquin ar seq the Property.I.cnder•P �
<br /> of the Property.shall�PPIY ar►Y Funds held by Lender at the tinne of aoquisition or sale as a c*edit eBa�nst the sums securtd by
<br /> this Security Insttument.
<br /> 3.Applkatlouu ot PsYments.Unless applicable law provides otherwise,all payments raeived b�y tder under��ra8� s
<br /> 1 end 2 shall be appl�od: frst, to any prepaYment charges due under the Note; second,to amounts ablc undcr 2:
<br /> third.to interest due;fourth,tci principal due:arxl�ast,to any late charges due under the Note.
<br /> 4.Chargea;LM�s. Borrowcr shall pay all taxes.assessmeats.charges. fines and impositions attribucable to the Property
<br /> which may actain priority over this Securiry Instrument, and leauhold payments or gcound rencs.if az►Y• B°R'°�"'°r shsl�pay
<br /> these obligations in the manner provided in pa�agraph 2.or if not patd in that manner,Borrower shall psy them on ame dirocdy
<br /> to the person owed payment.Borrower shall pmmptly furnish to I.ender all notioes of emounts to be paid under this paragtpl�•
<br /> If Borrower makes these payments diroctly,Borrower shall promptly fumish to Lender raxipts evtdencing the peyments.
<br /> Borrower ehall promptly discharge any lien which has priority over this 5ecurity Tnstrumenc unless�orno`"er.(a)ugroes in
<br /> writing to tho payment of the obligation securod by the lien in a u�anner aoceptabic xo Lender: (b)contests in good faith tue liea
<br /> by. or defends against enforcement of the lien irt. le�al proccedings which in the Lender's opinion aperate to pnvent the
<br /> enforcement of the Iien; or(c)secures from the holder of the lien a��ag�eement satisfactory to Lender subordiaating tha lien to
<br /> this Security Insttument. If Lender dotermines that ony parc af the Properry+s subject to a lien whtch may attain prioriry over
<br /> this Secudty lnstrument. �.ender mny give Aorrower a notice identifying the lien. Borrowor shall satisfy the lien or take one or
<br /> more of the actions set forth above wtthin 10 days of the giving of notice.
<br /> Forn►3024 �NO
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