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<br /> � TC?�iETHER WI1'Ei ;dl the improvemcnta naw on c�c+e�tter erected on thE Proptrty:��easanent�.eppuete�wrtioa, and
<br /> I fiatures now on c�roafter a pnrt of tha property. All r�plscements mid additinns sh�ll elsu bc ca�end by thi� Sccurity
<br /> ! lnstrument.All 4f the foregoing is refcned to in this Sr�curity InStnuncnt c�.9 thc"Praperiy." �
<br /> I BORROWETt COVBNANT3 thu�Borcuwer ie lawfi►lly scir�ed af die estate hereby cm�veyesl ur►d h�.s the�ig0t to grant and •
<br /> i convey the Propeny cuai that thc Prnperty is unencumbered,except for e�u:umbranc°.s of record. Bcirrower war[ante nnd wUl
<br /> � defend generally the t�ile to the Property n einst¢11 cluiqis nnd demands,subjcct to any encumbranccs of record.
<br /> i THIS S�CUR17`Y INSTRUME�AiT�ombines unifomi covenants for natlonul,use ami non-anifarm covenunts wlth limitcd
<br /> vmrintions by jur�sdiction to constiate a uNform security fngtrumenc covering real praperiy.
<br /> UNIFORM COV[iNANiTS. Borrower and Lender covenant and agree as follows:
<br /> ; 1. P�ymmt of Pri�ipal and Intenvt; Pnp�yment anel I.cte Chargea. Bormwcr ahall prompdy pay when due the
<br /> principal of wid intercst an the debt�vidcnced by tho Note und any prepayment und luto chnrges due under thc Note.
<br /> Z. Funds for Twceg and Insurance.Subject to applicuble luw or to u written wuiver by Lendcr. Borrawer shail�puy to
<br /> Lender un tho day monthiy payments are due under thc�Note,until the Note is paid in full,a sum("Hunds")for:(a)yeurly taxes
<br /> and assessments which ms�y uttain pr�ority over thjs Secudry Instrument as a lien on the Property;(b)yearly 1euHehold paymantG
<br /> ar�round rents an the Praperty,if eny;(c)yearly haznrd or properry insurnnce premlumv;(d)yearly flood Insuran�premlums.
<br /> if any:(e)yearly martgnge in:urance premiums, if�u�y;and(�any sums payable by Borrower to I.ertder,in accordnrtcx with
<br /> the provisions of paragraph S.in lieu of the payment of mortgage insurance premiums.These items ace called "Fscrow Items."
<br /> Lender may, at Finy lime.collect and hold Funds in an amount not to exreed the maximum amount a lender for u federally
<br /> rclated mortgaga loan may requlre for Borrower's escrow account under the federal RNaI Estate Sett4:ment Proc�ures Act of
<br /> 1974 as umended from tirne ta tlme. 12 U.S.C.Sectton 2601 et seq. ("RESPA").unless another law that applies to the Funds
<br /> sete n lesser umount. If so, Lender muy, at any time. collect and hold Funds in an amaunt not to encced the lesser amount.
<br /> Lcndc.K may cstimato cho a�ttount of Funds dua on thc basis of currcm data uad reasonablc csNmatcs oF cxpcadttura of futurc
<br /> Escro�v Items or otherwise in accordance with a}iplicable law.
<br /> The Funds shsll be hetd in an InsNtutInn whose deposlts ere lnsured by a federal agency, inatr�mentality, or entt�►
<br /> (including Lender.!f Lender ts such an 3nstitution)or in any Federal Home Loan Bank.Lender shell8pply the Funds to pay tha
<br /> Escrow Items.l.ender may not charge 9orrower for holding and applyfn$the Funds,annuaQy analyzing the escrow aecoui�t.or
<br /> verifyiilg tho Bscrow Itema.unless l,ender pays Borrower interest on the Funds and applicable law permita I.ender to make auch
<br /> a chaegc: However;Lender may mquire Borrawer to puy u one-time charge for an independent real estate tax reporting servlce
<br /> used by Lender in connection with this laun, unless applicable law provides otherwise. U�ess an agreement is made or
<br /> opplicable Iaw requires interest to be paid.[.ender shall not be requircd to pay Horrower any interest or earninga on the Funda.
<br /> Barrawer and I.ender may agre� in writins, however, that interest shall be pnid on the Funds. I.ender shall give to Borrower.
<br /> wlthout chergo, en annual accaundn�of the Funds, showing credits and debtts to the Funds and the purpose Far which estch
<br /> �hit to ihe Fsuxis sves�.Ths Funcis sre pledged a°,3dclidonsi�ecurity for a4!sums�ecxsmd 9y thiy Seasrity Instrsmss�t.
<br /> If the Funds hald by Lender excee�the amounts permttted to be held by applicable law,Lender shall account to Botrower
<br /> for the excess Funds in uccordance with the requlmments af applicable law. If the umount of the Funcls held by L.ender at any
<br /> time is not su�cient to pay the Escrow Items when due,I..ender may so notify Borrower in writing. and,in such case Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shal! make up the deficiency in no more than
<br /> twelve monthly payments.at Lcnder's sole discretion.
<br /> Upon payinent in full of all sums securod by this Security Instrument, Lender shall promptly refund to Horrower siny
<br /> Funds held by Lender.If,under peragraph 21,Lendcr shall acquire or sell the Property,Lender,prior to the acquisidon or sale
<br /> of the Prnperty, shnll apply any Funds held by Lender at the time of acqutsition or sale as a credit against the sums secured by
<br /> thls Security Instrument.
<br /> 3.Applteation of Payments.Unfess applicable lxw provides otherwise,all payments received by I.ender under paragraphs
<br /> 1 and 2 shalf bc applied: first,to any prepayment charges duc under the Note; second.to wnounta payable under paragraph 2:
<br /> third.to interest due; fourth.to principal due;und last,ta any late charges due under the Note.
<br /> 4.Charges;Uens. Bonower shall pay all taxes.assessments, churges. tines and impositions attributable to the Property
<br /> which may atWin priority over this Securlty Instrument, and leasehold paymen�s or �round rents. if any. Borrower shull pay
<br /> the.ve obligatIons ia the manner provided in pata�raph 2,or if not paid!n that manner. [iorrower shall pay them on time dire�tly
<br /> to the person owed payment. Horrower shall promptly furntsh to Lender all notices of amounts to be pald under this paragraph.
<br /> If Borrower makes these payments directiy,Bono�ver shall promptiy furrtish to Lender receipts evidencing the psyments. ��
<br /> Borrower shnll promptly dtschnrge any Iidn which has pr�ority over this Securiry Instrument unless Borrower: (a)agrees in �
<br /> writing to the payment of the obligntion secured by the lien in n manner acceptable to Lender;(b)cantests in�oai faith the lien �„, '
<br /> by. or defends against enforcement nf the lien in, legnl proceedtngs which in the Lender's opinion operute to prevent the ,:�
<br /> enforcement of the IIen;or(c)secureg from the holder of the lien an agreement sadsfactary to Lender subordinating the lIen to �`��
<br /> this Securi Instrument. If I.ender determines thut un '�
<br /> =y y part of the Propeny is subject to u lien which may attain prlority over �'`�=
<br /> this Security Instrument, I.ec�der may give Borrower a notice identtfyin�the lien. Borrower shult satisfy thc lien or take ane or �'%;
<br /> rnore of the aMions set forth above within 10 days of the givtn�of notice. '.:`«'
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<br /> Form 3028 9180 .'.���
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