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<br /> TOGETHkR WITH nll the imqrovemem,�now�rr heranf!u erocted on thc pm�rrty. ancl a'.I rr�sr�nct��.�J
<br /> ftxturac tww un c�reYlter r �wrt uC tlu prvpetiy. A1l rr�lxcn�ent� a�kl wiJi�i��na +��all ul.�i tx �u�crc� by lh�� Sec:�rity
<br /> Instrument. All uf the fur�oi��ix re(erra!w in this Saurity Irwwnrcrst as the"Ptvperty."
<br /> BORRQWER�OVENANTS that Borrawer i�ipwfully �it�ed of 1he atate hereby oamveyed�nd hss the ri�ht w�r�nt and
<br /> uonvry the Praperty and Uut the Property is umncumberat.exaspt Por mcumbranca af rocord. Brnrower wamnu and �vitl
<br /> defs+d�a�anlly tM titk to�he Propaty+�f�rt all clair�and demu�ds.swbject to�ny mcvmbnuk�x of nccad.
<br /> THIS SF,CUR17'Y dNSTRUMF.NT cornbinc.s unitorm rnvcronts for rwlla►ul u�e�nd rK►n-vniform coverwm� ++•iih Ifmited
<br /> v�riatiau by Juri�dic��on�o oo�wlwte e uniParm�ecurity Irutrument cnvenng rW proprny. -
<br /> UPIIFORM NVENANTS, �ornower and L�er�d�r rnverw�t ard aan�e n Po�trnvs:
<br /> 1, PryaneM o( pryNtip�l �Nd latereM� Prep�rn�ent u�d 1.�te Ch�r�a. Fk�ru�wcr xhal! pmmM�Y P�Y whrn duc �he
<br /> pdncipal af and inte�ort�M the debt cviden��ai by the Nde utid anY prcpNYmrnt wid latt chorscs due unJer Ihe Na1e.
<br /> 2. �ade fer T�xe�apd Inwrance. Suhject te�appHcrble law r�r t�n written wriver hy l.rnicr, Bormwer �Pwll p�y to
<br /> [.encicr nn the Jay monthly{wyment��re due urxler thr Nnte.unlil the Nae ia prld in fuli,��um("Funiw")fur:(�)ycufy taxea
<br /> �nd or�e�rmente which ttuy att�in p�iority u�•er this Security in�tcument aa a lien on the Prcv,�ny:(b)yr�uly 1z«�huW pWymenu
<br /> ur Qnwtxi renta�►n�hc�'roperty,if any;(c)yearly hur.ard or pmperly insurance premiumn;(d)ye,�rly flond iniw�w�cx pnemiume,
<br /> if any;(e)ya�ly mnregnge insurance premlums, if any:und(�any sums paynble by Hc�rmwtr to I.ender,in acc�rdnnce with
<br /> the provisionn of parrgraph 8, in lieu uf the paymcnt of rru�rtgage insurunce prcmiums.The+e itemv are calltd "Escrow Items."
<br /> [.erwier may, at any time, colla�t anJ hold Funds in un unx,unt not to exceexi tht maximum w�wunt a Ir.nder far a fc�ierally
<br /> related nxirtgage I�r►r►uiy rcquire for&,rcnwer's escrow ac:count under the fedtral Real Etiuta Setdemcnt Procalures A�K of
<br /> 1974 a.r• wncnded from time to time. 12 U.S.C. Section 2601 et sry. ("RESPA"), unless anixher law that applies to the Futxla _
<br /> scts a lesser amount. if so. Lencir.r muy, :►t any timc. collett and hold Fuexis in xn anxiunt niit to exccxid the l�stt wixwnt.
<br /> [,rode�may esdmate the amcxmt of Funds due on the basis of zumnt datu and rcason�f�le estimates of exptndiwres of tuture
<br /> Escrow Ctems or athr.rwise in accordance with iipPlicabl�law.
<br /> The Funds shall be hetd in an in.stitution whosc deposits are insured by •r fedcral agency, iostrumentality, or entiry
<br /> (including l.ender,e9�.er�der is such an institutiou)or in any Federal Home Ln:+n Bank.L.encicr�hall apply the�unds co pay the
<br /> Escrow Items.I.ender inpy not charge Burrower for holding and applying the Pundti,annually analyzing the escrow account,or
<br /> verifying tha Bscraw Items,unless Lender pays Borrower interest on the FunJs nncl applicable law permits I.ender to make such
<br /> a ctearge. Flawevcr, Le.nder may require Borrawer to p•ry a onc-time chsu•gc for an independent rcal estate tax reporting scrvice
<br /> usal by Lender in connection with this loan, unless applial'�ie law provides othenvisc. Unless an agreement is made or
<br /> applicable law requires interest eo be paid, Len�ler shall not bc requircd to pay Borrower any imerest or eari2ings on the Funds.
<br /> Honower utxi L.ecxler may agrce in writing,howeyer, thut intcrest sha11 bc paid on thc Funds. Lendcr shall�;ive to Borrou•ee,
<br /> without charge, an annual accQUnting of the Furids, showing credits and dcbits to thc Funds and the purpose tor whicn eaci�
<br /> debit to the Cuncls was�riade.The Fu-�.ds are pledged us additianul sccurity for all sums securcd by this S��curity Iastrument.
<br /> IF the Funds held by Lcnder cxcettd thc amuunts permittai to bc held by applicable law.L.endcr shall account to Iiorrowcr
<br /> for the excess Punds in accordance with the re��uirement�s of applicable law. ➢f the mnount of the Funds held by Lender at any
<br /> cime is not sufficient to pay the Escrow Items«•hen due.Lender may so notify Borrower in writing,and,in such case Borrower
<br /> shall pay to I.ender the:unount necessary to mn�e up the deficicncy. Horcower shall make up the deficiency in no more th�n
<br /> twelve monthly payments,at L.cnder's sole discmtion.
<br /> Upon payment in full of ull sums sccurcd by this Security Instrumcnt, Lc:ndcr shall pramptly refund to Borrowcr any
<br /> Funds held by[.ender. [f,undcr pamgrapti 21, l.�nder shall acquirc or scli the Property. l.cnder,prior tu the acyuisition or sale
<br /> of the Property, shall apply any Funds held by Lend:r at the time of acquisitian or sale as a credit agains::hu sums secured by
<br /> this Security Instrument.
<br /> 3. Appllcatton of PaymenLti.Unless appliwb�c law provides uthcnvisc,all payments rc:eived by I.�nder und�r pi�tvgr.�phs
<br /> I and 2 shall be appltcd:first,to nny pt�epayment chargcs due undcr the Notc; ticcond, to u�nounts payablc undur punigraph 2;
<br /> third,to intcrest duc:fourth,to principal duc:and I�.st,to any lnte charges due undcr the Note.
<br /> a. Chargp; Liens.Bc►rrower shall pay uta n�.res,ussessments,chxrge�, fines and impositions atu�butablu ta tUe� Aropcct}r
<br /> which may attain prlority over this Security Instrument, and leasehold payments or gn�wiJ rents, if amJ. 13or�o�ver�hnll�puy
<br /> these obligations in the manner provided in paragraph 2,or if not paid in�hat manncr,Borrowcr shall puy�.hrm un timu diiLCdy
<br /> to thc{xr�un ov�ed payment. Borrower shall promptly furnish to l.ender all noticcs of'a�nounts to be p;iid under tl�ie;pnn►graph.
<br /> If Borcower makes these payments dircctly,Bormwcr shall pmmptly furnish to Lender reccints evidencing the pirymente.
<br /> Borrower shall promptly Jisrharge any licn which has priority over this Security Instrument unless Barro�vcr. (a►ugrees in
<br /> writing to the payment of tlie obligation secured by thc licn in a mamter accept.ible to I.ender:(b)contests in goal fuith the lien
<br /> by, or defends against enforcement oT thc licn in, legal pmreedings which in the Lcnd�r'� opinion operat� t�� �m�vent the
<br /> enforcement uf Uic lien;ar(c)sccures fram thc holdcr of thc licn an agreemcnt s�itisfactory to I.cnder.uboniinutin�thc licn to
<br /> thcs Sccurity Instrumcnt. If Lendcr detcrmincs that any part of thc Prupeny is subj�tit tu a lien whirh�m�y attnin prioriry nvcr
<br /> this 5ocurity lntitrLmene,Le�nder may givc Borrower a nczticc idcntifying thc lien. Burruwcr shall satir.ty thc liun or take une or
<br /> more of thc actions set forth abovc within IO d.iys of thc giving of noticc.
<br /> Fonn 3028 8180
<br /> CaQe I of 6
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