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<br /> TOOGTH�R WITH ull thc improvementF now or hereafter erected on the pruperty.und ull cuscments,uppurtcnanccs, unJ
<br /> fixturey nnw ��r liereaster a pan of the property. Ali replacements and Additions shull ulso be c��vered by this Security
<br /> Instrument, All of thc foregaing is rcfettcd to in this Sccurity Instrument as thc"Propeny."
<br /> BORRnW�R COVENANTS that Barrower is lawfuliy scised of the cstate licrchy conveycd nnd hus thc right to grunt and _
<br /> canvey the Property und that the Property is unencumbered, except for encmnbrnnces oY record. Bc�rcower wurrunts wxf wlll
<br /> defe�Kl generully the title to the Pwpeny ugain:;t all claims and clemt►nds,suhject tn uny encumbrunces af record. �
<br /> THIS SBCURITY INSTRUMBNT cumbines unifarm covenants far nutionnl use ond non-unifarm cc�venants with limited
<br /> vUriutians by judsdictiun to constitute a uniform security instrument covering real prc,peny.
<br /> [7NIFORM COVENANTS,Borrowerand Lendermcnt p d nI.ate Charges�Borcower shall promptly pay when duc the
<br /> 1. Ppyment ot Prtnclpal and Interest; Prepay
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and lute charges Jue under the Note.
<br /> 2.Fttnds ror Twxes and l��urance.Subject to uppllcable law or to a written walver by Lcnder. Borrawcr shall pay to
<br /> Lender on the duy monthly payments are due under the Note.until the Note is paid in full.A sum("Funds")for:(a)year�Y�uxcs
<br /> und ussessments which may attain priority over this Securiry Instrument as u lien on the Property;(b)yearly leasehold paymenls
<br /> or ground rents on the Property,if uny:(c)yearly hazard or property Insurancc premiums;(d)yearly fto�d insurnnce premiunu,
<br /> if uny: (e)yearly mortgage insumnce premiums,if any:nnd(� unY sums payable by Borrower ta L.ender. In accordance with
<br /> the provisions of pw'agraPh B• in lieu of the payment af mortguge insurnnce premiums.These items are called"Escrow Items.'
<br /> Lender may. at any time. collect and hold Funds in un amount not to exceed the maximum amount a lender for a foderally
<br /> related mortgage ioan may require for Barrower's eaerow accoui►t under the fecieral Real Estate Settlement Procedures Aet of
<br /> 1974 as amended ftom timc to timc, 12 U.S.C.Sectfon 2601 et seq. ("RESPA"),unless another law that applies to the Funds
<br /> sets a lesser amount. If so,Lender may. at any time. collect ar►d hold Funds in an amount not to exceed the tesser amount.
<br /> Lender may estimate the amount of Funds due on the basis af current datu and reasonable esdmates of expenditures of future
<br /> Escrow Items or otherwise in accordance with oppl icable law.
<br /> The Funds sh�ll be held in an insdtution whose deposits are insured by a federal agency. instrumentality, ar endry
<br /> (inctuding Lender,if L.ender is such an institution)or in any Federal Home I.oan Bank•Lender shall apply the Fun�is to pay the
<br /> Escrow Items.Lender may not charge Bonawer for holding and applying the Funds.annually analyzing the escrow account,or
<br /> verifying the Escrow Items,unless Lender pays Bonower interest on the Funds and applicable law permits Lender to malce such
<br /> n charge.However,Lender may reqa�re Bon'�wer to pay a one-time charge for an independent real estate tax reporting servk�
<br /> used by L.ender in connection with this loan, unless applicable la�w p�rovide���rwlsey nurest or aeaminA nonithe�F►udsr
<br /> Appl[cable law requires interest to bc paid,Lender shall�K,i�requ� F3+
<br /> Bonower and Lender may egrce in writing, however. that interest shall be paid on the Funds. Lender shall give to Borrower.
<br /> without charge. an anr►ual accounting of the Funds,showin�credits and debits to the Funds end die purpose far whfch uch
<br /> debit to the Funds was made. The Funds are pledSed as additional secudty for all sums securod by this Security Isistntment.
<br /> If the Funds held by I.endor exceed the amounts pemiitted to be held by applicable Iaw.
<br /> L,ender shall Aocaunt to Borrower
<br /> far the excess Funds in accordance with the ra�uinments of nppltcable law.If the amount of the Funds held by Lender at�ny
<br /> time is not sufficient to pay the Escrow Items when due,Lender may so natify Borrower in writing.and,in such case Bonvwer
<br /> shall puy to I.ender the amount necesssc�ry ta make up the deficiency. Borrower shall make up the deficicncy in no more tlun'
<br /> twelvc monthly payments,at Lender's sole discretion.
<br /> Upon payment in full af all sums secur�d by this Secuctty Insuument, L.ender shall promptly refund to 8orrower a►Y
<br /> of the Propercyi shall apply any Funds he d by L.ender at�th��me of acquisi i n or�sale�as a ceredp�oaga�nst the s ms tisocurod by
<br /> this Sccuiity lnstrument.
<br /> 3.Application ot PAymmts.Unless applicable luw provides otherwise,all payments received by Lender undcr peta8 8
<br /> 1 and 2 shall be applicd:first,to uny grepayment charges due under the Note; second,to amounts payable under parngraph 2;
<br /> third,to intercst due;foucth. to principal due;and last.to any lato charges due under the Note.
<br /> 4.Charges;Lie�s•Borro�"'er shall pay all texes.assessments.chazgac, fines and imposidons attributable to the Prope�t�r
<br /> which may attain priority over this Security Instrument, and lcaschold payments or ground nnt3,if any. Barrower shall p�y
<br /> th�obligations[n the manner provided in paragraph 2,or if not paid ln that manner,Borrower shsll pay them oa time diratly
<br /> to the pecson owed payment.Borrower shall promptly furnish to Lender all notices of emounts to be paid under 3his peragnptz.
<br /> If Borrower makes these paYments direcdy, '13orcower shail promptly tlirnlsh ro Lender receipts evidtncing the payments.
<br /> Borrower shall promptly dischurg�any lien which has prioriry over this Security lnstrument unless Borrou+er:(a)agras i n
<br /> writing to the payment of the obligution secured by thc lien in a manner accepcable to Lender;(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal proceedings which in the I.ender's opinion operate to prevent ttae
<br /> enforcement of the 1ien;or (c)se;cures from the holder of the lien an agreement satisfactory to Lender subocdinating the llen to
<br /> this Securisy Instn�rnent.If I.ender determines d�at anY Part of the Property is subject to a liea w3�ich may attain priority over
<br /> this 5ecurity Instrument,Ixnder may give Bottuwer a nottce identifying the lien. Borrower shall satisfy the lien or take one ut
<br /> more of the ucttons set forth above wlthin 1 O days of the giving of noticc.
<br /> Forim f1028 i180
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