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<br /> TOOETHBR WITH all the improvements now or hereafter erected on the pmperty.and t eASCments,appa enoncea.und
<br /> tlxtures naw ar hercufter n purt af the property. All replacementx und additians ahal! cilaa be covered by this Secudty
<br /> Instrumcnt.All of thc forcgaing is refencd ta in ihiR Security instrument cw thc"Property.'� �
<br /> aQP.RUW�R CUVENANI'5 thut&,rruwcr ix luwfully seised of the estutE heraby canvcycd artd has thc right ta grant au� �
<br /> cc►nvey th� Pro�erty and thnt the Prc�perty iR unencumberesl,axcept for encumbrunees�f rocard. Barrower warrnntx und will
<br /> defend gcnemtiy the t[tic ta the Property aguinst all claims and demands,subject to nny ensumbrartces af recard.
<br /> THtS S�CURITY INSTkUM�NT rombinex uniform covenunt� fur natfonnl uae nnd non•unifarm cavenuntx with timitod
<br /> varlutians by JuriFdiction ta canaittute a unlform Recurity instrument covering real property.
<br /> UNINUitM Cl)VHNANTS,8orrower nnd L.ender covcnartt and agrcc ns foltows: `
<br /> l. Payment of Prtncipal end Intemst; Prepwyment and I.ste Charges. Honower shall promptly pny when duo thc
<br /> princfpal of und interest on thc debt evidenced by the Note and uny prepayment and late chargas due under the 1�'ote.
<br /> E. Fund�for Taxes and Insucance. Subject ta appltcable taw or ta a written walver by I.ender. Harrawer sh�ll pay to
<br /> I.ender on the day monthly puyments are du�under the Note,untjl the Note is paid ln full,u sum("Funds")for:(a)yearly texes ,
<br /> and assessments which may attain pdority over this Security Inst�ument as a lien on thu Propetty:(b)yearly leasehold pgyment�
<br /> or ground rents on the PropeRy.lf sny;(c)yearly hazard or property insurance premiums;(d)yearly flood insurnnce premiums. -
<br /> if amr; (e)yearly mortga�e insutance Premiums.if any:und(� any suma payable by Borrower to I.ender, in accocdance with
<br /> the provisions of paragraph 8. in Jieu of the payment of mort�age insurance premiums.These hems are cx�lled"Escrow Items."
<br /> Lender may. ut any t�m�.callect and hold Furtds in an amount not to exceed the m�cimum amount a lender fur a federally
<br /> related mort�age loan m.�y requi�+e for Borrower's escraw uccuu,�t uuder the federel Real Estate Settlement Procedures Act of
<br /> 1974 as amended from time to tlme, 12 U.S.C. Section 26Q1 et sey. ("RFSPA").unless another law thgi appllea w the Funds
<br /> sets a lesser amovut. If so, I.ender may. at any time. collect and hold Funds in an umount not to exceed the lesser amaunt. _
<br /> Lender may estimnte the amount of Funds due on the 6asls of cument data and reasonable estimates of expenditures of futuce
<br /> Escrow Items or athenvise in accardance with applicable law.
<br />` The F�ands shatl he held ia an in�.�tudon �.+�kc�e deposlts�re iasured by a fzder�i ag�.uury, insuvmcatslity. or cndry �
<br /> (including l,ender,if Lender is such en institution)or in any Federal Home Loan Bank.Lender shal!apply tha Fuads to pay the
<br />� Escrou Items. lxnder may not charge�orrower for holding and applyIng the Funds.annually analyzing the escrow account.or
<br /> verifying the Bscrow ltems,unit�s l,ender pays Borrawer interest on the Funds and applicable law permtts I.ender to make such
<br />, a charge. However. Lencter may requtre Borrower to pay a one-ticne ch�e for ea independent real estate tax reportjng service
<br />. usod by Lender in connect�on wlth this loar�. unless applicable.law pravides oth�rurise. Unless an agreement !s r.rade ar
<br />� appUcable!aw re�uires interest to be paid,Lender shall nat be re�uirod to pay Borrowet,any,interest or eamings on the Funde.,
<br /> Borrowcr and ff.ender may agree in wridng. however.that inter�t shall be paid on the:Fancls. Lend$r shall give to Borrawier.
<br /> wtthout charge, an nnnuat uccounting of the Funds. showing credits und debfts w the•1?uads and the purpose for which each '
<br /> debit to the Funds was made.The Funds are pledged ns ndditIonal securIty for ull sums seeu�!by this Security Ic�swment.
<br /> If the Fands held by I.ender e�cced tlte art�ounts petmitted to be held by appltcuble law, Lender shall account to Borrower
<br /> for the excess Fwtds in ucw�ance with the caquiremenis of appltcable law. If the amaunt of ttie Funds held by Lender t►t any
<br /> tIme is not sufficient to pay the�.scmw Items when due.I.ender may so notify Borrower in wrlting.and.in such case Somower
<br /> shal!pay to Lender the nmo•.uit necesscuy to make up the deftciency. Borrower shall make up the deficiency in no more than
<br /> tweive monthly payments.nt I.ender's sole discredon.
<br /> Upon payment in full oF al{ sums secured by this SecuRty Instcume�t. Lender shall promptly refund to Bormwer any
<br /> Furzds held tsy!_endtr.If.under para�aph 21. Lender shall aoquire or sell the Property.Lender.prior to the ecquisition or sale
<br /> of the Property.shsilt uppty any Funds held by l.ender nt the time of ucquisidon or sale t�a credlt against the sums s�cured ay
<br /> this Security Insttument.
<br /> 3.Appltcation o!Pnyiments.U�1ess applicable law pmvtdes otherwlse�all payments reoeivod by LendGt under puregraphs
<br /> I and 2 shali bc applied: first,to any prepay�nent cIwrges due under the Note;seoond,to acnounts payabie under garogruph 2;
<br /> thicd.to interest due:fouKh,to princip�D due;s�nd las�.to ony late cluirges due ur�der the Note.
<br /> 4.C6�rges;Lieng.Borrower shall pay all taxes.assessments.charges,Hnes and impos[Hons attrlbutable to the Ptoperiy
<br /> whtch may uttuin priority over this Secudty Instrument.nnd leasehoid payct�ents or genund rents, if uny. Bormwer shal!paX•
<br /> these oblbgations in the manner provided in paragraph 2.or if aot paid in.that marmer.Boaowu shall pay them on dme diroctly
<br /> to the person owcd payment. Bomower shull promptly fumish ro Lender aU noGces of uneounts to be paid under this paragraph.
<br /> If Barrowe�makes these payments dic�ctly.Borvower shnll pmmptly fumish to Lender receipts evidencing the payments. —
<br /> Borrower shall pmmpUy dlscht�rge any lien which has pdorlty over thts Securlry insmunent unless Borrower:(a)egtees in
<br /> writing to the payment of the obligntto�seeured by the lien in a manner acreptabie to Lender;(b)wntcsts in good fuith tne lien
<br /> by. ot defends against entorcement of the Iten in, le�gnl proceedings which in the Leaarr's c�e.�sion e�cate to pnevG:t the
<br /> e�orcement of the lien;or(c)secures from the holder of the lien an c►greement satisf2�tory to L�ender subord3a�ting the Uen to
<br /> tI�s Securtty Instiument. If Lender detemtines that any part of the Pmperty is subjeci to a lien which mfly nttain priority over
<br /> thfs Security Inst�ument.,I.eader may give Borrower a notice fdentifying the lien.Borrower shall satisfy the lIen or taice one or
<br /> more of tAe actions set forth ubove withtn 10 days of the giving of notice.
<br /> • Fo�m 3028 8180
<br /> vpe 4 ot 8
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