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<br /> ' TUGL�liBR W1TH all the Inn�mvements now or hernRer eroctod aa tl�e pnaparry�1�������j��a�nce+.�wcl • .
<br /> Qixtures nc�w ur hereaftec a part af tf�e praperty. All replacenunts ww uddition� shall also 1x cuvcrtK! by thia Sccurity "
<br /> Ynstrumeut.AII oPtbe far�gnin�is ccfct�'Cd tu(oi this Sccueity Instruincrt as the"t'rapccty."
<br /> BO[tRq1�J�R�OVGNANTS that 8onowcr is IuwfUlty rciscd o�'the estate hercby canieyod�d has the rlgi�t�to grant and
<br /> j sonvey the Propeny and that the Praperty is unencumbered,oxcept for tncumbrances of rxord. Borro,�ar ware�nts�tu�d'wlil
<br /> ( deferM generaity tho title to thc Pmperty a ainst ull cfaims aml demands�subject to uny encuinbrnnc�s oS rxasd.
<br /> THIS SBCURITY INSTRUM6NT�mbine9 u��form covenanta far nat�onal uso arrd non•unifomn covenanta wfth Iln►Jta1,
<br /> vurlations by jurl�iicdon to c�nsdtute n uniform security insuvment covering real property.
<br /> UIVIFORM COVENANTS.Borrower and l.cndcr covcnant and agra as foltows:
<br /> , 1. Pxyment ot Princtps!and Ieterestt Pr�p►yment and L.�te Ciwrges. Borrower aball pmmptly pey when�due the
<br /> principul ot'and interese an th�debt evidenced by the Naie and any prepayment and late chruges due under the Noto.
<br /> 2.Funds fo� Taxes w►d WsurAnce. Subj�t ta appltcable law or ta a wrltten waiver by Lender.Borrower shali�say td
<br /> I.ender an the day monthly payments are dec under the Noto�undl ttte Note ls paid Irt full.a sum("Funds")for:(a)yearly tmces
<br /> a��d assessmencs whicd may attain prlority over this Securtty Insmunent as a lien on the Property;(b)yearly leasehvld payrnenta
<br /> or graund rents on tho Pmperty,if any: (c)Yearly hazard or property inswrance premiums: (d)Yearly ll�wd lnsarauco�re�uiuru9.
<br /> i�uny:(e) Yearly mort�Age insurance precniums. if any; and tt)a�Y sums puynble by Rorrower ta Lender, in accordance w[th
<br /> the provistons of paragraph 8. in lieu of the payment of mortgage lnsurance premiums.These ltems are calted"Escrow Items.^
<br /> L.ender may, ut any tlrtte,collect sind hold Funds In an a�nount nat to exceed the maximura amount a lender for a fedet�ally
<br /> related mortga�e loan may reyuire for Borrower's escrow account undec tbe federal Real Estete Setttement Procedures Act of
<br /> 1�174 as aenended from time w time, 12 U.S.C. Section 260! et seq.("RESPA").unless another law that applies to tha Fuuds
<br /> sets a Ie.aeer arnounc.If ao, Iret�der may. at any t�ne.collect aad hold Funds in an amouat not to excxed the lesser amount.
<br /> l.ender msy estimate the amauat of Funds due on the basia of cunent datn and reasonable estimates of expenditures of futu�
<br /> Hscmw Items or otherwise in nccordance with appl[cuble law.
<br /> The Funds shali be held in un institutlon whose deposIts are i�nsured by a federal agency, insUUmenta!!ty. or endty
<br /> (including Lertder, if Ixrtder is such an institution)or Ia any Federal Nome[..oan Bank.Lender shall apply the Funds to pay the
<br /> Escrow Items. [.ender may not charge Borrower for liolding nnd applying the Funds.annually analyzing the escrow account,or
<br /> � vertfying the Escrow Items.unless L,ender pays Borrower interest on the Funds and applicable law pernilts Lender so make such
<br /> a charge. However. Lender may reqt�ire Horrower to pay a one-time ch�►rge for an independent real estate tax reporting service
<br /> used by L.ender In mruiertion wtth this loan. unless applicable Iaw provides otherwjse. Unless an agr+eemem Is mede ar
<br /> applicable law requires interest to be paid.Lender shall nat be requimd to pay Borrower any interest or earninge on tha Funds.
<br /> Borrower and Lender may a6ree in writIng,however.that interest shall be p�id on the Funds.Lender shall give to Borrower.
<br /> without charge,an ennual accounting af the Funds, showing cmdita end dehits to the Funds and the purpose for which each
<br /> debit to the Funds wa�mude.The Funds are pledge�as addirional secur�ty for ail sums secured by this Security Instrument.
<br /> If the Funds held by Lender exceed the amoants permitted to be held by applicabls law,I.endcr shall account to BorrUwer
<br /> for the excess Funds in accordanc�wlth thc requirements of applicable law. If the amount of the Funds held by Lcnder at any
<br /> time is nat aufficient to pay the Escrow Items when due.L.ender may so notify Borrower in writing,and,ln such case Borrower
<br /> .:, sha{� pay tu Lender the amount necessary ro msike up the deficiency. Borrower shall make up the deficiency in no more than r,
<br /> ! twelve monthly payments,at Lender's sole discretion.
<br /> � Upon payment in full of ell sums secured by this Securiry Instrument. L.ender shall promptly refund to Horrower any
<br /> ; Funds held by Lender. If,under parngcaph 21, Lender shall acquire or sell the Property. L.ender, prior to the acquisitton or sale
<br /> ; of the Property,shall upply any Funds held by Lender nt the tlme of acquisition or sale as a credit a�ainst the sums secured by
<br /> j this Security Inst�ument.
<br /> � 3.Appl[sation of Payments. Unless npplicable law pmvides otherwise.all payments received by l,ender under Faragraphs
<br /> ; 1 and 2 shali be applied:first. to any prepuyment charges due under the Note;second,to cunounts payable under paragraph 2;
<br /> third.to interest due;fourth,to principul due:und tast,to any lute char�es duc under the Note.
<br /> 4.Cl�ar�es;Liens.Borrower shail pay alt taxes,assessments.chargcs. fines und impositions uttdbutable to the Property Y h
<br /> which muy atta►in pdority over thts Securiry Instrument, and leusehold payments or ground rents,if any. Borrower shall pAy t �
<br /> t,„�;�,,.. � these obligntions in the munner provided in parngrnph 2,or if not puid in that manner.Borrower shull pay them on time directly s,,;.
<br /> �_�::�:;:::t ,e to the person owed payrnent. Borrower shall promptly fumish to L.ender all notices of amounts to be paid under this paragraph. •••.
<br /> a,'..:.�t If Borrower raakes these payments dir�edy,Borrower shall promptly furnish to I.ender receipts evidencing the payments. ,�''th
<br /> ,r,.. Borrow�r shali promptly discharge nny lien which has priority over this Security Instrument unless Borrower:(a)agrees jn
<br /> '-�+ ���"' writing to the payment of the obligation securecl by the lien in a manner acceptable to Lender:(b) contests in good fuith the lien
<br /> �:tlr'_ w.a
<br /> ,.,,�_, by, or defends against enforcement of the Iten in, legel proceeciings which in the I�ender's opinion operate to prevent the
<br /> �� '���" enforcement of the lien;or(c) secures from the holder of the lien nn ugreement satisfACtory to[.ender subordinating thc lien to
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<br /> �`"�� ` this Security Instrument.If Lender detettnines thnt any pan of the Propeny is subject to a lien which may attain priority over
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<br /> t'�'��°x.•'._:i� this Security Instcument,Lender may�ive Borrower a n�tice identifying the lien. Borrower shall satisfy ti�e lien or taka one or
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<br /> t;;;;,.�,;�;,;��,�,�� more of the actions set forth ubove witi�in 10 d�ys of the�iving of notice.
<br /> �• A F'�,`:'�". ,.., Form 3088 9180
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