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<br /> `• TOt3ETHER WITH a1l tlae improvements now or hercafter erectet!on the property,and al1 easoments,appurtenances,end kw;
<br /> � fixtures now or hereatter a part of the property. A11 replucementa und additlona shall aiso be covered by �hts Security �
<br /> � Instntment.All of the foregoing fa referred to ia this Securiry Iastrument as the"PropertY•"
<br /> -t E";
<br /> �f BORROWER COVBNANTS that Bornower is lawfully seised of the eatate hereby conveyed ar�d has the right to gcent and � �,
<br /> canvey the Property and that the Propetty ls unencumbered. except for encumbrances of record. Borrower wanants and wiA Qy
<br /> ' f defend generally ehe title co the Properry against all elaims end demaads.subject io any encumbrances of record. � ��
<br /> � THIS SECURITY INSTRUMENT combines uniform covenants for nationai use�td non-uniform covenants with limited -=,_
<br /> , ;�� vartatioas by judsdiction to conatitute a uniform secu�iry instrument cavering rcal property. C'=.
<br /> UNIFORM COVENANTS.Borrower and Lender covenaat and agree as follows: _.
<br /> ,�`�� 1. Poyment oP I'ristcipal end I¢�tcrest; Prepny�ent pad 1,nte Char�es. Borrower shsll promptly pay when due the %-.
<br /> � principal of and interest on the debt evldenced by the Note and eny prepayment and late charges due under the Note.
<br /> 2.Funds Por Taxes and Wsurance• Subject to applicable law or to a wrinen waiver by Lender. Borrower shal!pay to _
<br /> I.ender on the day monthly paymencs are due uader the Note,until the Note is paid In futl.a sum("Funds")for: (a)yearly r.axes
<br />--- � and assessments which may a[taG►pdoriry over this Secudty Instrument as a lien on the Property;(b)yearly leasehold payments
<br /> . � or grouad rents an the Property,if any:(c)Yearly hazard or pmperty insurance premiums: (d)Yearly tlood insurance premiums.
<br /> ' if aay:(e)Year1Y mongage inswance premiums. if any: aad(�any sums payable by Borrower to Lender, in accardance with
<br /> the pmvisioas of paragraph 8. in lieu of the payment of mortgage insurance preminms•These��ems are called"Fscrow Items."
<br />_ � � Lender may, at any time.collect and hold Funds in aa amount not to exceed the ma�cimum amount a lender for a federally
<br /> , .�: related mortyage loaa may require for Borrower's escrow eccount under the federal Real Fstate Settlement Procedures Acc uf
<br /> � ��' 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RFSPA")�ua1�s another law that applies to the Fuads
<br />;:�;:•.•,.... ::� seu a lesser amount. if so,L.ender m�Y, at aaY time� collect aad bald Fuads ia aa amount not to exceed the less�r aaaount. _._
<br />�� ' L,cnder may estimate the alnount of Fuads due on the basis of current data aad reasonable estimates of expenditures of future
<br /> � �'�. Escrow Items or otherwise in aaardance with applicabl�law. �
<br /> -;' ,•• The Funds shall be held in an iasticution whose deposits are insured by a federal agency. insuumeatatiry. or entiry _.
<br /> . ' (including Lendet,if Lender is such an institution)or in any Federal Home Loan Baak•Lender shall apply the Funds co pay the
<br /> � `''`' . Fscrow Items.Lender may not charge Borrower for holding and applying the Fuads.annuaAy aaalYzin8 the escrow accou°t,or
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<br /> �'•�.:°y.,..�, verlfying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicable law pezmits Lender to make such
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<br />=����,;�;;��;�•�' '�, a charge.Aowever,Lender may xequira Borrower to pay a ane-time charge for an independent real estate tax repor[ing serv ce
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<br />�!,•;;x� used by Ixnder �n wnaecdon with this loan. unless applicabl� law provides othecwise. UNess an a$reement is e or
<br />=�•�:" � _F applicable law requires interest to be paid. Lender shall aot be required co pay Borrower anY interesc or eamings on the Funds.
<br /> yM��'','� Borrower and I.ender may agree in writing.however, that interest shall be paid on the Fuads.T.cnder shaU give to I3orcower,
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<br />-y;,;,�;,•.�� without charge, an annual accounting of the Fuads.showjng credits and debits to the Funds and the purpose for which
<br />��„�� debit to the Funds was made. 'lhe Funds are pledged as addldontil sxuriry for all swns securad by this Securlty Insmiment.
<br /> _-`_-; ' If the Funcls beld b�i.enGer cxctxd the amounts per,:iitted ta bc t�cld 4s}agg2ir,sble la�. L�d�r chalt accc�unt to Borrower
<br />����� for the excess Funds in accardaace with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> � . time is not sufficient to pay the Estrow Items when due,Leader may so not�fy Borrower in writing,and, in such case Borrower
<br />-��'"�� shall pay to Lender the amount aecessary to make up the deflciency. Borrower shall malce up the deficlency in no more tha�►
<br />-- — — twelve moatWy payments.at Lender's sole discretion.
<br /> '� • Upon payment in�'uU of aU suws secured by this Security InstHment. LEnder shaU pmmptly refund co Borcower any
<br />� -- -- Fnnds held by Lendes;I�,under paragraph 21,Leader shaU acquire or sell the properry.I.ender.Prlor to the acquisition or sate
<br /> -" ..�,�.,�„��, of the Property.she11 sPp1Y aa9 Fuads 1�eld by Lender at the time of acquisition or sale as a credit against the sums seaurcd by
<br />—_-.-=.,�o this Saurlry Instrument.
<br />_°°_�_= 3.Appltcallon of Paynaeats.Unless applicable law pmv�des oiheiwise.aU payments received pY Lender under paragrap2
<br />--__- 1 and 2 shall be app3iM.: fust,to anY PrePayment charges due uader the Note;second,to amounts a able uada psuagrap
<br /> �� � � third.to fnterest due;foutth. to principal due;and last.to aay late charges due under the Note.
<br /> -- ,. 4.Charges;Uens.Borrower shall pay a11 taxes.assessments.charges, fines and imposi �' „�utable�to the Property
<br />--_--- which maY attain P?dorltY ova ttds Securtry Insuument, and�easehold paymenu or ground n�.�y. Bonower shall pay .
<br /> thesa abligAdons ia tt►ee rnaaner provided in paragraph 2.or if not paid ia that�nner.Borrower sha11 PaY��on cime direc[1y
<br /> to the person owed.pay�mont. Borrower shail pmmpdy fumish to l,ender aU aodce.s of amounts co be paid uadu this pat�agraph.
<br /> --_-— lf Bomnwer makes these PaYments directly.Bo�ower sha11 pmmptly•furnish to l.ender receipu evidendn$the paymenu.
<br /> - --__- Bonower sha11 prompdy discharge any lien which has prlority.over this Saurity Insuument ualess Borrower.(a)aBras ia
<br />_=t�� writing ta the paymeac of the obligation secured by tbe lien in a maaner acaptable to Leader;(b)contests in good faith thc lien
<br /> by, ar defends a$ainst enforameal of the lien in, legal prooeedings wtuch in the Laader's opinion operate to pnwent tht
<br /> -- --- enforce�ent of the lien; or(c)secures from the holder of ttte liaa an agceement satisfactory to Lender subordinatjng the lien to
<br /> - -- this Sec{ltity lasuumeut.If Lender detern�ines ttlat any part of the Property is subject to a lien which may actain priority over �.�: •,
<br /> -��._�_-�= tbis Sec�rlty Iasuument.Lender may give Borrower a notioe idenafying the lien. Bomower shall satisfy the lien or calce one or .
<br /> = mon of the actions sa forth above within 10 days of the giving of notice. _
<br />—`-'`;•,,""�`� . Form 3018 919b
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