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<br /> TOCiBTHER WI'CH uli the impravement� now or hereafter erected on the pn�perty.und uit cusemcnt�.uppurtcnunccs. und
<br /> flxtun.� now an c�reafter u putt af the property. AU replacer►tenta und u�stditiana �hull ulna Ne cavered by this Sccu�lty
<br /> Instnrmcnt.All of the facegaing is reftrrcd ta in this Security Instrument us the"Property."
<br /> �ORROWER CAV�NANTS that Bottaw�r is lawtltlly seiseci oP the estc�te hereby c�►nveyai und hus the rjght tu g�nnt und �
<br /> convey the Pcuperty nnd thot the Property i�unencumbered.except far encumbmnces of'reconi. Borrower wnrrunts nnd will
<br /> defernl generuily the title to the Property uguEnst aii cinims nnd demanda.subject to any cncumbrance.c of rccard.
<br /> TH1S SECURITY lNSTRl1M�NT combines uniform w�enant�for nationul ure und tton•uniform covcnunts with iimited
<br /> varinttons by juriisdic�i�»i tc►canstitute n uniform secudty insteument cavering real pn►pertY•
<br /> UNlFOl2M COVENANTS.Barrower and Lender covenunt und ogree as follows: when due the
<br /> l. Payment ot lMncipat an� Iaterest; Prepaymeat end i.wte Clwrges. Barcower shnli promptly pay
<br /> Qrincipai of s�nd interest on the d�bt evtdertced by the Note and a»y prepuyment und lnte churgc.w duc under the Note.
<br /> 2. Funds for Taxes und Ingurance. Subject to applic�ble luw or to a wdtten w�iver by l.ender. Borrower shsill pay to
<br /> Lender on the duy monthly payments are due ue�der the Note,untit the Note is paid in full,u sum("Funds")for:(a)yearly wxes
<br /> und ussessments whict�may uttain prlodty avcr this Secutlty Instrument us a lien on thcr Property:(b)yeurly leacehold paymenta
<br /> or�round rents on the Property.if any;(c)yeaxly hazard or pmperry insurencc premiums;(�)yeurly flood irtsu�anco premiums.
<br /> if any; (e)yesrly mortgage insuranee premiums.if anY.end(� unY sums payable by Borrower to L.ender. in accordanre w1Q►
<br /> the provistous of p�ragruph 8.in Iieu uf the payment of mortgnse insur+u►�premiums.Thc.aa items ace c�!!ed°Essrow[tems,"
<br /> Lender may. at any t�me. calfect und hold Fwxis in an amount noi to exceed the mauimum amount u iender for a federally
<br /> related mort�age loan may requtre for Borrower's escrow account under the iederai RraI Fatatc Sctticmait Proc�dures Aet of
<br /> 1974 as umended from time tu t�me. l2 U.S.C.Scction 21i01 et seq. ("RESPA").unless anothcr law that applfes to the Funds
<br /> sets a lesser amount. lf so, Lender may. at any time. a�llect and hold Funds in an amount not to exc�d the I�sser amount.
<br /> Lcnder may estimate the amuunt of Funds due pn the basis of current datu and reasonable est�mates of eapendi[ures of fntture
<br /> Escrow Items or otherwise in aocordance widi�pplicuble luw.
<br /> The Funds shnll be held in un inst�tutian whose deposits ar�e insured by a federai agency. instn�mentality. or endty
<br /> (including i.ender.tf i,ender is such an institutIon)or jn any Federal Home Loan Bank.L.ender shall arply the Funds ta pay the
<br /> Escrow Items.Lender may not charge Borrow�r for holding and a�plyin�the Funds.annually unalyzing the escrow aGOaunt,or
<br /> verjfying the Escrow Icerres,unless L.ender pays Bormwer interest on the Funds aced appl(cable law permits Lender to nwke sueh
<br /> a charge.However.Lender may requi�c Borrower to p�sy u o�ie-time charg�far:sn i�dr�ens s�!essate ssx rPpnrt��g xervlce -
<br /> us�d by Lender in connection wjth thia l�an, un(ess appl(cable law pmvides otherwise. Unless an a�reernent is made or
<br /> applicable law tequires iaterest to be paid.Lender shell not be require�to pay Borrower any interest or eamings on tbe Funds.
<br /> $orrower and Lender may a�ree in wdting.however. that lnterest shall 6e puid an the Funds. L.ender shsll give to Borrower.
<br /> without ehar�e. an amual accounttng of the Funds,showing credits and debits to tha Funds and the puipose for which each
<br /> . debit td ti►o Funds wus made.The Funds are pledBed as additlone{sscurity for ell sums secur�d by this Secudty lnstn►meat.
<br /> If the Funds hcld by Lender exceal the amounts pern�itted to be held by applicabla law.Lender shall accQUnt to Bon+nwer
<br /> for the exc:ess Funds in ac�cordunce with the requ[rements af applicable law. if the amount of tha Funds held by Lender at any
<br /> dme is not sufficient ao pay the Escmw[tems when due,Lender rnsiy so notify Borrower in wridng.and.in such cose Borrower
<br /> shall pay to Lender the cimount neceassry to make up the deflciency. Borrower shall malce up the deficieney in no more than
<br /> twelve monthly payments.at L.ender's:aale discretlon.
<br /> Upon payment in flill of ull sums secured by thia Securiry Instrument,Lender shell promptly refund to Borrbwa�r any
<br /> Funds held by Lender.!f,under paragruph 21,Lender shaq acquire or sell the Praperty.I.ender.prlar ta thB acquisition or sale
<br /> of the Property. shell apply u�ry Funds held by Lender at the t�me of acquisition or sale as a credit against�the sums setvned by
<br /> this Secudty Insuvment.
<br /> 3.Applka�lon of Payments.Unless applicable law provides otherwlse,alt paymenta,reo�lved by Lender under pnmgcaphs
<br /> 1 and 2 shuU bo applied: first,to any pr�epayrnent charges dua undet the Note;&��•to'amounts payabte�nder paragraph 2;
<br /> third,to intarest due: fourth.w pr�rtcipai dua; artd last.to uny late charges due under thc Note.
<br /> 4.Clyargesi Llere. Borrower shell pay aU taxes.sssessments.charges.flnes and Impositions attributable to the Property
<br /> which m�ty ucuiin priority over this Secudty Instrument, and ieasehold payments or ground rents. if any. Borrower shall pay
<br /> these oblisations in the manner providvd in parngrnph 2,or if not paid in.that marmer.Barrower shalt pay them on drnedieectly
<br /> to the person owed payment.Borrower shull pmmptly furnish to I.ender�ll notices of umounts to be paid under this pacagraph.
<br /> If Bomnwer makes these payments directly,Borrtewer shull promptly furnish to Lender reoaiptx evidencin$.xhe payments.
<br /> Borrower shal{promptly discl�arge any lien whtch has priodty over this Securtty Insuument unless borrower.(a)agreea in
<br />- wdtins ro the payment of the obligatlon secured by the lien In a mtmner aoceptable to I.ender,(b)contests in good faith the Ifen
<br />� by,or defemfs aguinst enforcement of the lien in, legal proceedings which in the ixnder's opinion operate w p�vent the
<br /> enforcement of the lien;or(c)secures from the holder of tha lien an ag�+eement satiafuMory to Lender subordtnudeg tha lien to
<br /> this Security Instn►ment. If Lender determines that nny part of the Praperty ia subject to u Iten which m�y attajn prlority over
<br /> _ " thes Security Instn�ment. l.endcr may give Borrower a notice identifying the Iien.Borrower shal!sutisfy the lien or tcike ona or
<br />.- more of the uctinns set forth ubove within 10 days of tha gtving of nottce.
<br /> Form 3028 8/80
<br />--- Paps 4 of 8
<br /> 7
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