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<br /> ''Tt�ls1'lIER�WITH uU thc impruvemcnts now or Itctcnftcr crcctcd an ihc �rnperty,imJ nll ci�scments, nppurtcnanccs, unJ
<br /> • fixn�res now on c�roaftcr si pnrt ��f thc pruperty. AU rcpliicemcnts nnJ nddUluns shaU alsi� bc covcrcd by thi� Sccu�ity
<br /> Instrument. All uf thc furegoing is rcfcrrcd t��in�hiz Sccuriry Instrumcnt as the "Pruperty."
<br /> BORRQ�lBR COVENANTS thc�t Borrowcr is I�iwfully xciscd of thc es�ntc hcreby ranvcycd anJ has thc right tn grant nnd
<br /> � ronvcy thc PruFx;rty und thul ll�c Pru{wity is uncncumbcrcd. cxcepl fiu cucua�tbranccr uf rccurJ. [3urruwcr warr.mlti ui�J will �
<br /> �.�l� defend�enernlly the tide to the Property nguinst all rinims und demnnds,subjcct tn any encumbrunces of rcrurd.
<br /> fF:}A�1¢.
<br /> THIS SECUR(TY INSTRUMEN'I'ccimbincs uniform ccrvcnants for nnticmal usc nnd non-uniform covenants with IimitcJ
<br /> variations by jurisdiction to constiwte n unifurm secu�iry instrument covering renl property.
<br /> �� � UNIFORM COVENANTS. Barrowcr and Lcndcr rovennnt s+nd agrcc as t'ollows:
<br /> -'� 1. Payment of PrinclpAl nnd Intcrest; Prepayment nnd I.ate Chnr�;es.Borrowcr shull prompUy puy when duc thc
<br /> ' principnl of und interest on the debt evide�ice�l by Qie Nute i►nd imy prepnyment nid tpte churges due undtr tha Note.
<br /> n 2. Funds for Tuxcc aud lnsurance. SubJert to npplicnble law or to n wriuen wuiver by I.ender, Borrower shnll pay to
<br /> ;S:-.i � .O� l.cnder on the day monthly payments are due undcr the Note, undl the Note is paid in full,u sum("Funds") for. (u)ycarly tnxcs
<br /> " ��' and assessments which may nttain priority over this Securiry Instrument as n Ifenon the Property; (b)yenrly leusehold payments
<br />:�{'��':'��','. � �` or ground rents on the Property,if any;(c)yeurly haznrd or property insurance premiums;(d)yes�rly flood insurunce premiutns,
<br /> ��t��;:'�� � if any; (e) yearly mortgage insurnnce premiums,if any; and (Q any sums payablo by Bottower to L.ender, in accordunce with
<br /> .: lhe pravisions of'pnragrnpl�8, in lieu of the payment af mortgnge insurance premiums. These items ure culled"Escrow [tems."
<br /> ' Lender may, nt any timc, collect und hald Funds in an mm�unt not to excced Ihe maximum nmount a lender fnr a federully
<br />_ �� J,�- ' relnted martgage lonn may require for Borrower's escrow nccount under the federnl Real Estate Settlament Procedures Act af
<br /> �,•'...,.,.
<br /> � . 1974�.s Amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA'), unless unother law dint upplies to the Funds
<br />'�,;��.����, sets a lesscr umount. If so, I.endcr mny. nt uny timc, collect und hold Funds in an amount not to excecd the lesscr umount.
<br /> : �a'• I.ender mny estimute the amount of Funds due an the basis of current data at�d reasonable esdmutes of expenditures of future
<br />��,:_t;;.��?`',. . Escrow Items or otherwise in accordance with npplicable law.
<br /> ''� "���� The Funds shull bc held in an institutian whose deposits are insured by a federnl agency. instrumentulity, or entity
<br />`"'y;'��`"� (including L.endcr,if L.cnder is such an in�;titution)or in any Federal Home Loan6ank. L.ender shall upply the Funds to puy the
<br /> '=_��'�^� '2� Escrow Items.L.ender mny nat charge Bonower for holding and applying the Funds,annually anulyzing the escrow uccaunt.or
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<br /> �'�'�,�a•�� vcrifying the Escrow Items.unless Lendcr pays Borrower intcrest on the Funds and upplIcable law permits L.endcr to mnke such
<br />.�^`_-.n+�'M.v
<br />._:,�:�.,�.,_ n charge. However, Lender mny require Burrower to pay u one-time chnrge for an independent real e.atate tax rapnrNng service
<br /> �1*T. �:t�,�; used by Lender in connection with this loan, unless applicablc law provldes otherwise. Unless an agreement fs made or
<br /> =;:''�'��� npplicAble law rcquires intcrest ta bc paid. I.ender shall not be required to pay Borrower uny interest or earnings on the Funds.
<br /> --'='?'t� Borrower and L.ender muy agree in writing,however,thAt intcrest shall be puid on the Funds. [..ender shall give to Borrowcr,
<br /> ==�-_�= without charae, un annual accounting of the Funds. showing credits und debits ta the Funds and the purpose for which each
<br /> debit to the Funds was made.The Funds ure pledgeci as additional security for all sums securec!by this Security instrument.
<br /> -- If the Funds held by I.ender exceed tlie mnaunGs permitted to be lield by applicable law,Lender shall acwunt to Borrower
<br /> � for tlu exress Funds in accordance with the requirements of upplicnble luw.If Ihe umount of the Funds held by Lender at any
<br /> ---= ' time is not suffictent to pay the Escmw Ilems when due, l.cnder may so notify Barrower in writing, end.in suclt case Bortowet
<br /> -� � shall pAy to I.ender the amount necessury to muke up the deCciency. Borrower shall make up the deficiency in no more than
<br /> — ; twclve monthly puyments,at Lender's sole discretf�n.
<br /> ' Upon payment in full of all sums securcd by �his Security Instrument. Lender shall promptly retund to Borrower nny
<br /> ; Funds helci by Lender. If,undcr parngruph 21.Lcnder shall ucquire or sell the Property.Lendcr. prlor to the acquisttion nr salc
<br /> of the Pr�perty. shall apply any Funds I�cld by Lender at the time of acquisition or sule as a cred[t against thc sums secured by
<br /> , thls Security Instrument.
<br /> 3.Appltcation of Payments.Unless applicable law provides otherwise,�11 p�yments received by l.ender under parngrnphs
<br /> 1 and 2 shall be applied: first, to nny prepnyment charges dus under the Note;second, to umounts payable uncler paragraph 2;
<br /> thtrd,to interest duc: fourth.tn principnl duc;and last,to any late charges duc under thc Note.
<br /> �-__ � 4. Charges; Liens. Borrower sh�il pay all tnxes,assessments,chnrges, flnes and impositions uttributable to the Prapecty
<br /> ' wh[ch may nttain priority over tliis 5ecurity Instrurnent. and Ieasehold paymenls or ground rents, tf any. &�rrower shnll pay
<br /> • ' tluse obl3gations in the munncr provided in paragrnph 2. or if not paid in that�nanner,Borrower shull puy thcm on timc dircctly
<br /> to the person owed payment.Borrower sh�ll promptly furnish to L.endcr all notias of amounts to bc paid under this paragraph.
<br /> If Borrower makes thesc puymcnts directly,Borrower shull promptly tLrnish to Lender receipts evidencing the puyn�ents.
<br /> Borrower shall promptly discharge any lien whicli has priority over thls Security Instrument unless Borrower: (a)agrees!n
<br /> • writing to the payment of the obligntion securecl by the lien in n manner ncceptable to Lender;(b)contests in good faith the llen
<br /> -- by. or defends agoinst cnforcemcnt oF thc lien in. legul pracceclings which in the Lendcr's opinion operate to pn:vent thc
<br /> --_„�W, enforcement of the lien;or(c)secures from the hnlder of the lien an ugreement sutisfactory to Lender subordinuting the lien to
<br /> --- this Security Instn�ment. if Lender determines th,d tmy part of the Prnperty is subject to u lien which may attuin privrity over
<br /> =-_-- this Securiry Instrument,Lcnder mny gi�•c Horrower a nnticc identifying the 1 ien,Borrowcr shall sutisfy tlic licn or takc onc or
<br /> - more of the nctions set fonh above within 10 daya of the�iving of notice. .
<br /> --�� Form 3028 9180
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