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<br /> 'CQCgfiTI�ER WiTH all thc improvamenGS na?V on c�reafter Cr�cta!on the pmperty.ancl�11 rs�rc�enis,�t�un��s�sd
<br /> fixturey nuw ar ItcreZRcr n y��rt �f thc prapcny. All �-�pfac�mcnt, and additEons shaU alsa ba cavercd by thia Secudty
<br /> Insttuiixnt.All of the f�r��ain�is rcferred to in[his Stcudty Instmment as the"Praperty."
<br /> �RRUWE�3 GOV�NA�I'�'9 tF�a�Forcower i�lAwfutly�selsed of th�estate her�by eonveyed anci has the right G��rAn1 w�d „
<br /> convey�6e Pmperty and ihaR the Praperty is uarn�umbere�. except fur encumbtances of racon[. Sormwei'wam�ms ancl will
<br /> ckfrnd;etsera!!y the�ide to the Pr�peerty againat xl{claims and derrunds,suhject to any enec�mbrances af rosorci.
<br /> ' TNIS SECU1tITY INSTR[JML?NT combjnes uniform covenan�i far nadon�l use and r�on-uniform cnvenantx wlth Umitad
<br /> variations by jurix�iictiva�w consaitut�a unifix•���ccwrlty iauirum::nt covcritag tcal p+n�'►tY•
<br /> UNiCORM COV�NANT&.Borrower and l.e�cder ooverwnt and egrce us follaws: �
<br /> l.Payenent o!1Mndp�i ent� Int�st; Prepo�yrnent and Gxte Clu�rgai. B�nrrower shnll pramptly pay when due thc
<br /> prit�ipil of and intercst an the debt cvldenad by the Kote and uny prcPaYmcnt ur►d late charges due undcr thc Naie.
<br /> 2.�nds for Tax�cncl Imuranoe.Subject to upplicable lnw or ta n wriuen waiver by I.ender, �orrawer sha11 pay to
<br /> i.ender on�he dey n�nthly payments arc due undcr the Natc,untlt the Note ja paid!n full�a sum("Funds")for:(a)ycarly wxes
<br /> and ass�sments v►fiicl�may nttafn prtoriry ovcz ih�s Sccu�ity Instrument as a�Een on tfie F�roperty;(b)yearly lessehold paym�nts
<br /> ur gc+ound rents on the Propeny. if any;(c)yea�ly huzard or pnoperty insurance promlwns:(d)yearly flood insurance premiums.
<br /> if any:(e)yearlY martgago insurance premiums.if any: and(fl�►y sums payabfe by Borrower w L.ender,in accordance with
<br /> the�rovisions of paragruph 8,in lieu of the payment of mortgage insurnnce pretniums.Thase Items are called"Escrow Itecas.`
<br /> [.ender may, �t uny time,oollxt und hold Funds Ia an amount not to excetd the maxlmum amount a lender for a federully
<br /> relaud mortgage Ioan may requin far Borrower's escmw soa►unt under the federal Rcal Bstate Settleutent Proceduns Act of
<br /> t974 as amended f�nm time to time. 12 U.S.C.Section 2501 et seq. ("RESPA"),unle�4 another!aw that applies to tlie Funds
<br /> sets a lesser nmaunt. if so. Lender muy, at any tlme,collect und hold Funds in an att�unt not to axceed thc tesscr amav�st.
<br /> Lender may est�mate the amount of Fuads due on the basIs of cucrent data and reasonsble estimat�s of eapenditures of fumre
<br /> Escrow Items or oiherwise in accord�nce�vith applicnble law.
<br /> The Funds shall be held in on Institution whose deposlts are insured by a federaf agency, instrumenutlity, or entity
<br /> (jncluding Lender.ff Lender is such ar►institut�on)or in any Fe�leral Horae Loan Bank• Lender shafa apply the F�nds to pay thE
<br /> Fscrow Items.Lender may aot charge Horrower for holding artd applying the Fwtds,annually anatyzins the escmw account.ar
<br /> verifying the Bscrow Items.unl�ss Lender pays Borrower lnterest on the Funds and applicuble law permits I.ender to mako sur.�i
<br /> a churge. However.Lender may requine Bomower to pay a one-tlme charge for en iadependent real estate tax reparting service
<br /> usod by L.ender in connxtion with this loan. unless upplicable law pmv[des othenvise. Unless an agreemem is made or
<br /> applicable law r�equires iruerest to be pald.I.ender shall not be requlred to pay Bomower any interest or eamings on the Funds.
<br /> Borrvwer and Lender may agroe in writins.however,that interest sh�ll be pald on the Funds. Lender shull�ivc to Borrower.
<br /> without charse, an annual acoounting ot ttie t�unds.showing credits aud dcbitn io the f�u�aad thc pu�gcr'ac far�hids�k
<br /> debit to the Fnnds was made.The Funds sire pledged�.s additional security for all sums secure�by this�ecurity Insm�ment.
<br /> If the Funds held by Lender excee�the amoun�c permitted to be held by applicabfe law,l.endzr shall acoount w Borrower
<br /> far the excess Funds in accordance with the requirements of applicuble law. If the amount of the Funds hetd by I.ender ut any
<br /> time is not sufficient to pay the E.urow Items when due.I.ender may so�otify Borrower in writing.and. in such case Borrower
<br /> shall pay to L,ender the amount necessary to make up the deficiency.Borrower shsill make up the deficiency in no moie than
<br /> twelve monthly paymeats,at Lender's sole discretion.
<br /> ppon payment in PoU of all sums secured by this Security Instnirdent. I.ender shall promptly refund to Borrower a�iy
<br /> Furtds held by Lender.If,under paragrdph 21. Lender shall acquire or sell the Property.Lender,prior to the acquisltion or sale
<br /> af the Property, shall apply any Furtds held by Lertder at the time of acquisition or sale as a credit against the sums secured by
<br /> this Security Insmiment.
<br /> 3.Applicadon of Pay�mnt�.Unless upplipble luw provtdes otherwise.all paymentc rereived by Lender under paragraphs
<br /> 1 and 2 shall be applied:firat,to uny prepayment charges due under the Note:seoond.to a�nounts payuble under paragraph 2:
<br /> third.to interest due;foucth.to principat due;and last,to any late charges due under the Note.
<br /> 4,�^harges;I.tens.Born�wer shall pay all wxes,assessmenu. charge�. fines sutd impositions amibatable to thc Pmperty
<br /> which may uttain prioriry over this Security ir�saument. and leasehold payments or ground renu. if any. Borrower shull pay
<br /> these obligations in the muuier provided in paragraph 2.or if not paid in thut manner.Bon+ower shall pay them on time directly
<br /> ta�e person owed payment.Borrov►er shall pmmptly fumish to Lender all nottoes of:unounts to he paid undcr this para�r:ipfi.
<br /> If Borrower makes these payments dire�tly,Borrower shall prnmptly fumish to Lendcr rereipts evidencin�the payments.
<br /> 1?orrower shall promptly discharge any lien which has pri�rlry over this Security Instrument unles.s Borro�ver:(a)a�rees in
<br /> writing to the payment of tlie obligat�on secured by the lien ia a rt�nner acreptable to Lender;(b)rnntests in good fuith the lien
<br /> by, or defends against enforcement of the lien in, legal pmcc.'edings which in the I.ender's opinion uperate to pre��ent the '?�
<br /> enforoement of the lien;or(c)secures from the holder of the lien an agmement satisfactory tu Lender subordinuting the�ien to �;,,��
<br /> th{s Security instrument.If Leader determines that any patt of the Propetty is subject to a lien which may attain prioriry over ,,�
<br /> :• t Uus Securiry Instniment.Lender may give Borrower a ttoti�identifyin�the lien.Borrower shall�atisfy the lien ur take oae or
<br /> ��. _' _
<br /> more of the actions set focth above within 10 days nf the giving of notice. .,..
<br /> Fann 3628 8180 �"J
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