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<br /> T0C3ETHER WITH all the impravcmcn�5 now ar hereafter orected on the property,nnd all entiements,uppur[enunccs,und _
<br /> fixtures now or hereufter a part of the property. A!1 replacementa and Additions shail alsa be covered by this Sccuriry ,-
<br /> Instrument.All of!he foregoing is referrcd to in thla Security lnstrument as thc"Property.��
<br /> HORROWER COVENANTS that Barrower is Iswfully seised af the estutc hcreby conveycd and hus thc right to grant and �,
<br /> convey the Property and thut the Propeny is uncncumbereal,except for cacumbranccs af record, Honower worrunts tind wifl _
<br /> defend generally the titte to the Property egainst all cinims and demands,subject ta any encumbrances of recard.
<br /> THIS SECURITY INSTRUMENT combines uniform covenants for national use und non•uniform covcnants with limited
<br /> varlations by jurisdiction to cansdmte a uniform securlty instrument covering reul property.
<br /> UNIFORM COVENANTS.Borrower and Lender cavenant and agree as follows: ,
<br /> 1. Payment of Pr(ncipal and Interest; Prepayment and Late Chargrs. Bonower shail promptly pay when due thc
<br /> principal of and interest on the debt evidenced by the Note und nny prepayment und late churges due under the Note. _
<br /> 2. Funds for Taxes and Insurance. Subject to applicable law or ta a written waiver by Lender, Borrower shall pay to
<br /> I.ender on the day monthly payments are due under thc Note,until the Note is paid fn full,a sum("Funds")for:(a)yearly taxes
<br /> � and assessments which may uttain priarity over this Securiry Instrument ns a Ilen on the Property;(b)yearly leasehold payments
<br /> ar ground rents on the Property,if any;(c)yearly hazard or properry insurance premiums;(d) yearly flaod insurance premiums, —
<br /> if any; (e)yearly mortgage Insurance premiums, if any;and(� a�►y sums payable by Bonower to Lender,in accurdance with
<br /> the provisions of paragraph 8, in Iteu of the payment of mortgage insurance premiums.These items aze called "Escrow Items."
<br /> Lender may, at nny time. collect and hold Funds in nn amount not to exceed the ma�cimum amount a lender for a federally
<br /> related mortgage loan may require far Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 as tunended from time to time, 12 U.S.C. Section 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 and hold�unds in an amount not to exceed the lesser amount.
<br /> I.ender may estimate the amount of Funds due on the basis of cunent data and reasonuble estimates of expenditures of future �
<br /> Escrow Items or otherwise in accordance with appllcable law. ,
<br /> � The Funds shall be held in an instttut[on whose deposits are insured by a federal agency. instrumentality, or entity
<br /> ' (Including Lender,if I.endcr is such an institution)or in any Pederal Home Loan Bank.Lender shall apply the Funds to pay th�
<br /> Escrow Items. L.ender may not charge Borrower for holding and applying the Funds,annually analyzing the escrow account.ar
<br /> � verifying the Escrow Items,unless I.cnder pays Borrower interest on the Funds and applicable law permits Lender to make such �
<br /> � a charAC. However, Lender may require Bonowcr to pay a one-time charge for an independent real estate tax reporting service
<br /> ' used by Lender in connectton wlth this loan, unless applicable law provides otherwise. t7nless an agrccu;ciii Ss ►na�e ar
<br /> applicable law requires interest to be paid.Lender shell not be requlred to pay Borrower any interest or eamings on the Funds.
<br /> Borrower and Lender may agree in writing. however, thnt interest shall be paid on the Funds.Lender shall give to Borrower,
<br /> '' without charge, an annual accounttns of the Funds, showing credits and debits to the Funds and ehe purpose for whtch each
<br /> ` debit to the Funds was made.The Funds are pledged us additional security for all sums secured by this Secudty Instrument.
<br /> If the Funds held by Lender exceed the amounts permitted to be held by applicable law. L.ender shall accaunt to Borrower
<br /> for the excess Funds in accordnnce with the requirements of agplicable law. If the amount of the Funds held by Lender nt any
<br /> time is not sufficient to pay the Escrow Items wl�en due,Lender may so notify Borrower in wdting,and. in such casu Bonower
<br /> "� shall pay to I.ender the dmount necesssuy to make up the deficiency. Borrower shall make up the deficIency in no more than
<br /> � twe.ve monthly payments.at I.ender's sole discretion.
<br /> Upon payment in full of all sums secured by this 5ecuriry Instrument. Lender shall promptly refund to Borrower any
<br /> '� Funds held by Lender.If.under paragraph 21,Lender shall acqu{re or sell the Property.I.ender,prior to the acquisition or sale
<br /> ' of the Pcoperty,shall apply any Funds held by I.ender at the time of acquisition or sale as a credit against the sums secured by .
<br /> � this Security Instnunent.
<br /> �� 3.Application ot Payments.Unless appllcable law provides otherwise,all payments rectived by Lender under paragraphs
<br /> � 1 and 2 shall be applied: first.to any prepayment charges due under the Note; second,to amounts payable under paragraph 2;
<br /> third,to interest due: fourth,to principul due;and last.to any late churges due under the Note.
<br /> � 4.CltArges;Liens.Borrower shall pay all taxes,ossessments, charges,fines and impositions anribuwble to the Property
<br /> - , which may attain prlority over this Security Iasuument, and leasehold paymen�5 ar sraund rents. if any.Borrower shall pay
<br /> these obligattons in the manner provided in paragcaph 2,or if not paid in that manner.Borrnwer shall pay them on time directly
<br /> to the person owed payment. Borrower shall promptly furnish to Lender ali notices of amounts to be patd under thts paragraph.
<br /> If Borrower makes these payments directly.Bonower shall promptly furnish to L'ender receipts evIdencing the payments.
<br /> Borrower shall promptly dischazge any lien wktich has priority over this Security Instrument unless Borrower: (a)agrees in
<br /> � writing to the payment of the obligation secured by the lien in a manner acceptable to L.ender;(b)contests in good faith the lien
<br /> , by, or defends against enforcement of the lien fn, legal proceedin�s whlch in the Lender's opinion operate to prevent the
<br /> enforcement of the lien; or(c)secures from the holder of thc lien an agreement sattsfactory to Lender subordinating the lien to
<br /> this Security Instrument. If L.ender determines that�ny part of the Property is subject to a lien which may attain priority over
<br /> this 5ecnrity Instrument.L.ender may give Bonower n notice identifying the lien.Borrower shall satisfy the lien or take une or
<br />- mor�of the act[ons set forth above wtthin 10 days of thc giving of notice.
<br /> Form 3028 9180
<br /> PeOe 2 018
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