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<br /> ���i�� TOUETHER WITi�1 all thc improvements now or hereufter erected on the property, und ull cuscments,uppurtenanccs, und
<br /> �.�''Y� fixtures naw or hereaftcr A purt af the properry. All replucernents und additions shull idso bc covcrcd by this Sccurity
<br /> Instrumcnt. All of Nu foregoing is referred to in this Sccurity Instrumcnt ns the"Propcny."
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<br /> =- - BORROWER COVENANTS that Borrowcr is lawlully seisul of the eslate hereby conveyra unJ hus Qte riglu tu grunt und
<br /> '- convey the Prapeny and thut the Property is unencumbered, except for encumbrances of record. Bnrcower wurrants and will
<br />_��� dcfend genernlly the titic to the Property against all claims and demands,subject to uny encumbrunc�s of record.
<br /> ••=�+�� THIS SBCURITY INSTRUMENT combines uniform coeenants for national use and non-uniform covenants with limitcd
<br /> r�'�• variations by jurisdiction ta constitute a uniform security instrument covering real property.
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<br /> --•��•�� UNIFORM COVENANTS.Borrower and I.endcr covenant and agree as follows:
<br /> -=u,�;'�
<br />�_���� 1. Puyment uf Prirtclpal and Interest; Prepayment and Late Cl�arbes. Borrower shall proinpdy pay when due the
<br /> ?-__�:���� principal of and i�ttarest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br /> _--��$� 2. Funds for Taxes and Insurance. Subject to applicuble law or to a written waiver by Lender, Rarrower shnU pay to
<br /> --°=_�� Lender on the duy monthly pnyments are due under the Note,until ihe Note is paid in full,u sum("Funds")for:(a)yearly taxes
<br />=� and assessments which may attuin priority over this Security Instrument as a lien on the Property;(b)ycarly leusehold payments
<br /> � �� ar ground rents on the Propeny,if any; (c)yeurly huzard�r propeny insurance premiums;(d)yearly Flood insurance premiums,
<br /> ____ - if any; (e) yesirly mortgage insurstnce premiums, if any; and(� any sums payable by Borrower to Lender, in accordance with
<br /> _-"�� the provisiuns of paragraph 8, in lieu of the puyment of mortgage insurance premiums.These items are called "Escrow Items."
<br /> _=�_= i..ender may, at any time, collect and hold Punds in an amount not to exceed the maximum a�nount a lender for a federally
<br /> - �'�' - relutt:d mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> .-�'-�� 1974 ns amended from timc to time, 12 U.S.C. Scction 2601 er seq. ("RESPA"), unless another law that applies ta the Funds
<br /> °�;;u;_�.��� sets a lesser amount. if so, Lcndcr may, at any time, collect and hold Funds in nn amount not to excced the lesscr amount.
<br />"`"�''`,�"� L.ender may estimute the amnunt of Funds due on the basis of current datn and reasonable estimates of expenditures of future
<br /> -_='�'°= Escrow Items or otherwise in uccordance with applicuble law.
<br /> �;;'is,,� The Funds shall be hcld in sn instiwtion whose deposits are insured by a fedrral agency, instrumentality, ar entiry
<br /> -__-_— (including Lcnder,if Lender is such an instinuion)or in any Federal Hame Loan Bank. L.cnder shaU apply the Funds to pay the
<br /> v.:��� Escrow Items. Lendcr may not charge Borrowcr for halding and applying the Funds, annually analyzing the escrow account,or
<br /> _�`�`_.�� vcrifying thc Escrow Items, unlcss I..endcr pays Borrower interest on thc Funds and applicable law permits Lender to make such
<br /> rt��� a charge. However, Lender may require Borrower to pay a onc-time charge fdr an independent real estate tax reponing service
<br /> ������ used by L.ender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or
<br />_:�;�_�� applicable law requires interest to be paid, Lender shaU not be required to pay Borrower any interest or earnings on the Funds.
<br /> -�'� Borrower and Lcnder may agree in writing, howcver, that intcrest shall be paid on thc Funds. I.ender shall give to Borrower,
<br /> _�' without charge, an annual accounting of the Funds, showing credits and debits tu the Funds and ttie purpose for which each
<br />-_-°---- debit to the Funds wus mude.The Funds are pledged as udditional sccurity far all sums secured by this Security Instrument.
<br /> If the Funds held by Lender excecd thc amounts permitted to be held by applicable law, Lender shall account to Borrowcr
<br />"�;�'�,� for the excess Funds in accordunce with the rcquirements of applicable IAw. If the umount of the Funds hcld by i.ender a�ttny
<br /> ,,�.�:m� time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing, and, in such case Borrower
<br /> shall pay to Lender the amount necessary to make up the; deficieixy. Borrower shall make up the deficicncy in no more than
<br /> _..= twclvc monthly paymcnts,at[.endcr's solc discrction.
<br /> Upon payment in full of all sums secured by this Sccurity instrument, L.cnder shall promptly refund to Horrower any
<br /> Funds held by Lender. If,under puragraph 21, Lender shall ucquire or sell the Property.I.ender,prior to the acquisition or sale
<br /> '~`°'� of the Property, shall apply uny Funds held by I.ender at the time of acquisition or sale as a credit against the sums secured by
<br />��=--= this Security In�►rument. �-
<br /> _� �3.Applicatlon ot Payments. Unlcss upplicuble law provides othenvise,all payments recei�ed by L.ender under paragraphs
<br /> �"if� 1 and 2 shall be applied: first, to any prcpnyment chargcs duc un.dcr thc Notc; sccond, to amounts payable undcr parugraph 2;
<br /> --�—a� third,to interest due;founh,to principal due;and last,to any late charges due under the Note.
<br /> ,��^;x=�� A. Charges;Liens. Borrowcr shall puy all taxes,assessmcnts,charges, fines and impositions attributablc to the Property
<br /> -- -.� which may nttain priority over this Security [nstrument, and Ieaschold payments or ground rents, it any. Borrower shall pay
<br /> �=r=,-'� these obligations in thc munner provided in paragraph 2,or if not paid in that manncr, Borrowcr shall pay them on timc dircctly
<br />`"-�FT'� p p'Y p P Y P P S P
<br /> - .�,� to the erson owed r mcnt. Borrowcr shall rom tl turnish to Lendcr all noticcs of'amounts to be aid undcr this ara ra h.
<br /> ry�"" -��� If Borrower maikes Nuse a mentti direcd Borrower shall rom tl turnish to Lender recei t�evidencin�the .► ments.
<br />-::'�`T'.^_� P Y Y� p P Y P� b P'Y
<br /> v`•-�'�`: Borrower shall promptly dischurge any lien which has priurity ovcr this Sccuriry Instrument unless Borrower: (a)agrees in
<br /> . . �vriting to the paymcnt of thc obligation securcd by the lien in a rnanncr ucccptablc to L.endcr; (b)contc�ts in gond f�iith the licn
<br /> by, or defends against enforccment of thc licn in. Icgal proccedinbs which in thc L,cndcr's opinion operutc to prcvent the -
<br /> enfurrentcnt of thc licn: ur(c) secures from thc holdcr of thc licn an agrcemcnt satisfactory to Lendcr subordinuting the lien to -
<br /> this Sc.urity �nstrumcnt. (f Lcndcr dctci7nincs that any part of thc Property is subject to a licn which may .�ttain priority over -_
<br /> this Sccuriry Instrumcnt. Lcndcr may gi��c Borrnwcr a notice identifying the licn. 13orrowcr sh.dl s�itisl'y thc lien or takc one or -
<br /> morc uf thc uctions�ct forth abovc within l0 Jays of'thc giving ot'noticc. -
<br /> Form 3028 9180
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