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<br /> 'rQU$THER WITH al! tho improvements now or hereafter orecud on the property.nnd nll easem,nta, uppurtenances.and
<br /> fixtures now on c�rcaftcr n p�rt of thc property. All rcpl¢ccments and addltiona shall alxa bo covcred by this Security
<br /> InRtnament.All of the foregoing is referred to in thia Security Instrument us tho"Property."
<br /> BORROWER COVENANT3 that aorrower is la�vtt�lly sei�ed of the estate hereby conveyed and has the right to gcant and
<br /> convey the Property and that the Propetty is unencumbered,except tor encumbronces of record. Borrawar warrants and will
<br /> defetxl generelly the dtle to the Pcoperty againat all clxims and demands.subject to any encumbrances oP record.
<br /> TH1S SECURITY INSIRUMENT wmbines uniform covenants for national use and non-uniform rnvsnants with limited
<br /> variuttons by judsdiction to conatttute a unifvrm secudty instcument rnverir�g reul property.
<br /> UIVIFORM�COVENANTS.Horrower nnd Lemter covenant and agtEe us foilows:
<br /> !. Psyment af Prit►.ciNal and Interest= Prepeyment and Lute Charqes. Borrower shall prortiptly pny when due the
<br /> pr�flclput of and tnterest on the debt evidenced by the Note und any prepayment and IatP charges dae under the Note.
<br /> 2.Ftiutda tor Txacea end Insurance. 5ubject to applicable law or to a written waiver by Lender.Borrower shull pay to
<br /> Lender on the duy rnonthly payments ane dua under the Note,untit the Note Is paid in full.a sum("Funds')for:(a)yearly taxes
<br /> and assessments whic6 may attain priority over thls Security Insuument as a Iten on the Property;(b)yearly leasehold payments
<br /> or ground rents on the Property,if any;(c)yearly hazard or property lnsurance premiums;(d)yearly tlood insurance premiums.
<br /> if any;(e)yeaziy mortgage insurance pmmiums, if any;and(�any sums payable by Horrower to I.ender. ia accordartce with
<br /> the provIsioas of paragraph 8.in lieu of tha payment of mortgage insurance premiums.These items are called"Bscrow Items."
<br /> Lender may, at any dme,collect and hold Funds in an amount nat to exc•xed the maximum amount a lender for a federally
<br /> related raortgage toan may reguire for Borrower's esctow aceount uader the federal Real Estate Settlement Praoe�ures Act of
<br /> 1974 as amendad from time to time, 12 U.S.C. Section 2�b01 �t seq:("RESPA"),usiless another Iaw thet applies to the Funda _..
<br /> sets a lesser artiount.Jf so, I,ender may, at any time, coilect and ho!d Fuads in an amount aot W exceed the lesser amount.
<br /> I�eador may estimate the amount of Funds due on the basis of curmnt data and reasoaable estimates of eacpendiWres of fuwre
<br /> Escrow Items or othenvlsg in accordance wIth applicable law.
<br /> The Funds shaU be hr�ld ia an InstItution whase�leposits are iasw�ed by a fedetal agency. inswmen�lity, or entIty
<br /> (including T.ender, if Lender is�such an institution)or in acny Federal Home Loan Ba►�,k.Lender shall apply the Funds to pay the
<br /> Escrow Items. Leader may iiot charge Borrower for hoads�ig and applying the Funds,rwnualIy analyzIng the esciriw accouat,or
<br /> verifying the Fscrow Items,ualess Lender pays Borrower interest on the Funds and applicable law perauiu Lender W make such
<br /> a chazge. Hawcver.Lender may requine Borrower to pay a on�time c6arge for an independent real estate tax re�tarting service
<br /> used by Lend�r In connectloa with this loan. ualess applicuble law provldca othervvise. Uriless an agreem�u4 Is msde or
<br /> appllcable law requires interest to ba patd,l.ender shall mat be required to puy B�nower any interest or eamings on the Funds.
<br /> Bornow.es and Le�der may a$c�e in wrtting,however. tha!interest shaU be paid on the Funds. Le�ctder shall give to Borrower.
<br /> without ch�e,:an�ennual accounting of•th�Funds. showing cc�ciits�and debita w the Fuads and the pwpose for which each P
<br /> debit W the�tinils_'was rnade.'19�e Fands ac�e�ledged as addidonal security for aU swns secured by this Scxurity Insnument.
<br /> 1f the FuiiJs held by i;eltdor excoed tfce amouats permitted to de hgld by applicable law.L�eude,�sh all acoount to Bormwer
<br /> for the excess Funds in acepx6ance with the requirements of applicable Iaw.If the amount of the Fuads held by L,e�der at any
<br /> tirne is noi sufFic�ent to pay thc Escrow Items when due,Lender may so norify Borrower in writing;.end.in such case Borrower
<br /> shall pay to 1.Endcr the a�nowu necessary w raake up the de&cieaoy,:gorrower sdall make up t1�Q deficiency ia no more Wan
<br /> ewelye ma»thljr i�ayments.at Le�tder's sole cliscmtion.
<br /> Upon payment in ful! of all sums secured by this Security Instrumen� I.ender shall pmcapdy nefuc�to Borrower aay
<br /> Fsmds hcld 6y Lender. if.under paragraph 21.I.ender s6a11 acquic+e or sell the Property,Lender.prior to the acqutsidon or sale -
<br /> of the Pcoperty,ahaU apply aay Funds held by I.ender et t6e time of acquisition or sale as a credit ageinst the suins secured by
<br /> thts Security It�.9tn�men� ,;
<br /> 3.App19�t+IHon ot P�ymente.L3nless applicable law provides o2t�orwise.atl payments receive��by L_eader under paragr�ptas :
<br /> 1 and 2 sh�`;ti�:applied:first,w enY P�Ymeni charges dua under�the Note; seoond,to amoun'!5 PaYable actder paragraph 2�...,.
<br /> . :ii�d:•Lfl ipf ,dt!e:folt�h;:xo,pn.'n�+p,��lup:eM L�!.t�?ny lete c�?s�es d��e���er dw NnrP '
<br /> �``,x�;:•.,:�4.�;d�iy�Ltens.�titrrower shall pay atl taxes;es5es�tuents.charBes.tines and im�wsitlons,attributable QQ the Prol�rtY
<br /> wliich�ii�y':�ttai prlority dver this Security Instn�me.qt��and'leaset}old payments or ground rents, if any. Borrower shall pay
<br /> these obllgpdoih's�the manner provIded:in�atsgr.+ph 2,ioir if not p�id in;that raanner,Borrower sbaU pay them on t�rae direcdy
<br /> ta the perspii;Q�vtd payment. Borrower s21td1;pmraptly;i�rq�sh to Letiifet all noticey of umounts to 6e paid under this paragraPh.
<br /> :Yt.'�qtrower makes these paymenta dim,ctly.Son+ower'Shn'tt�:promptly fumish w i:ender,receipts evidenciaag the paymems.
<br /> ::�':•'Bo�to1}r�,shall prmmptiq discharge any tlen wlilch h�s priority over tdis Security insm�ment uniess Borrower:(u)agr�es in _
<br /> ���qitfj�tig to��e:g�ywent of the obl�gatlon secured by the lien in a raanner aoceptable to Lettder;(b)comests in good faith the Ilen
<br /> b�r; oi de�'snds:against enforoement of ttte lien in. legal proceediwgs;which in thB Leader's opinian operate W pnevent tt�
<br /> , ,�floroeme�o��the lien;or(c)secures froni the holder of the lien an�ment saqsfactory to Le�er subordinating the lien to�•.�
<br /> � thiA Secutlty Instrument.If Lender determines that any"part of the Pnaperty is subjc.ct 4i�a lien whtch znay attain priority over
<br /> • ��;ctiB�,Serutity,inaw�n�Leuder may give Bomower u�nacice identifying the lien.$orro�ver shel!satisfy the lien or take ono or
<br /> ��riinna of tlie�ctions set forth above within 10 days of tttm�g�ving of notice. •
<br /> � . • � , . Form 30T8 @i9�
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