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<br /> 7YK;GTH�3R WITH�ll tho imf�rov�ments naw�n c�reaftar e�ectal on the pr4perty. and a11 ca.�ements.��e��es.ax!
<br /> fixn�res �ww c,r hrn�Rcr o part of the propcny. All r�►lncem�ente and aiidd{ti�ns sh�ll utso bo coverorl by thia Secttdty
<br /> Instrument.All af thc forcgoing iR referrcd¢o in thie Sccuriry Instrunxnt u9 the"�roperty." �
<br /> BORIdU�i1NER COVBNAlVTS ttwt Borrower ls IAwiLlly eetsod oP tho eatato hereby convtyod and h�s tlic dgiit to grarat�nd
<br /> canec;y tho�'ropeny nnd that thc Properry Is uncncumbere�,exccpt for cncumbranocn of.r¢cord. Aorrawcr warcauits end wiU ,
<br /> --- deteixl generally the dde So the Propesty nga3,nrt ati ctaiims Rrul�ffrmands,�ubj�ect ta any encumbrances of rec�ord.
<br /> TFiIS S�CURITY INS'Y'RUMENT combines uniform covenanta Far nadonal use and ram-unifann coven�ntR with Umited
<br /> �� vuriations by Jurisdicdon to constitute a aniforcr►secur�ty instrlitnem covering real property.
<br /> � UNiFQRM COVENANTS.Borrower and Lcndcr covenant And ag�ee as follows:
<br /> 1. Ifiyment ot Pr[ncipal and Interest; Prep�yment und I.ote Cluirges. Borrov✓er shaU pmmptty pay whcn due thn
<br /> prfncipal of and intemt on the debt evidenzed by the Nate and nny prcpayment and late charges due unctccr the Notc.
<br /> -� 2.�unds for Twres and i�rance.Subject to applicuble luw or to u written wuiver by Lender. Borrower shat!pay to
<br /> Lender on the day montlily payments�are due uttder the Note,until tite Note is p�id in fuA.a sum("Funds")for:(a)yearly taues
<br /> end agsessments which may attain priodty over this Securlty Insuument as a lten an the Property;(b)yearly leusehold payments
<br /> or grouad mnts an the Property,if aay;(c)yearly hauud or property insurance premiums:(d)yearly tloud insurance premiums,
<br /> .__ _ _ if any;(e)yearly rrtortgage•insurance premiutns,if any;and(f�any suens payable by Borrower ta Lender. ln uccorduncs with
<br /> - --— the pmvisians of paragcaph 8, in Neu of the paym$nt of mortguge insurance prerntums.Thase Items ere called"Escrow Items."
<br />_ .-_ ..— L,ender may, ut any time, coltect aad hold Funds in an amount not to a�cc�ed the maximum ainount a lender for a fedetally
<br /> rclated monguge loaa may require for 8orrower's escrow account under the federal Real Estate Settlement Procedures Act of
<br /> 1974 uv umende�from time to time.•12 U.S.C.Section 2601 pt scq.("RESPA"),unless anottwr law that applIes to the Funds
<br /> _� sets a lesser amount. If so. Lender may, ut any tima. collect and hold Funds in an uatount not to exceed the lesser umount.
<br /> L.ender may estimate the amount of Funds due on the basis of current data and reasonuble estimates of eapenditures of fi�ture
<br /> �r,a Escrow Items or atherwise ia accordanae with applicable law.
<br /> -- The Funds shall be held in an Institutlon whose deposit� are insured by a federal agsncy. iastrumentality, or entiry
<br /> -� (iacludin�Lender,if Lender is such un 1nstItutlon)or in any Fe�eral Home Loan Bank.Lender shall opply the Funds to pay the
<br /> _'_� Escrow ltems.Lender may not charge Borrower for holding nnd npplyin�the Furnis,annually analyzin�the escrnw acCUUnt,or
<br /> :'� vedfyln� the Bscrow Items.unless I.ender pays Borrower interest on the Funds and applicuble law permits L.ender w malte such
<br /> :',ip� a charge. However. Lender may require Barrower to pay a one-time charRe for an indeE►endent real estate tax repo�ting servtee
<br />-- --�"�� used by I.ea�ter in curmection with this toan, unless applienble law provides ntherwise. Unleas an agreement is made or
<br /> ';— applicable Iaw requires interest to be paid,I,ender shall not be mquired to pay Borrower any inte�st or earrtings on the Funds.
<br /> _�-�:�.� Borrower and Lender muy a��+eme in wdtins,however. that interest ahall be puid on the Funds. l.ertder shall gtve to Horrower.
<br /> -- ° without chnr$e, an annual accounting of the Funds,showing credits und debtts to the Funda and the purpose for whiah each
<br /> -- -'"'`� debit to the Funds wns made.The Fumis am pledged as addlttonal securtty for aii sums secured by this Security Instrument.
<br />___::�m ` If the Funds held by i.ender excoed the amoumts pem�iued to he held by appticable law,Lender shell account to Borrower
<br /> =-=�''° for the excess Funds in accardunce with the requirements of npplicable Inw. If the amount of the Funds held.by Lender at uny
<br /> �.:�;;�:_� time is not sufficient to pay the Escrow Items when due,Ltnder may so notify Borrower in wrfttng,nnd.in auch tx�se Bartower
<br /> =_� shalt pay to L.ender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
<br />•;�:-.�-.,�� twelve monthly payments,at Lender's sole discretion.
<br />.;� `� Upon paymeni in full of all sums secured by this Securiry [nstrument. Lcndcr shalt promptly refund to Borrower any
<br />�����,� Funds held by L.ender.If, under paragrnph 2l. Lender shull acquire or sell the Property,lxnder.priar to the acqulsition or sale
<br />�.�7;.,�'�`; of the Property, shall appty uny Funds held by I.ender at the time of acquisition or sale as a credit against the sums secure�by
<br />__NU.;�.;�,;;; thisSecurlrylnstrument.
<br /> ---=;;;;i=,; 3.Application of PeymenW.Unless applicable law provides otherwise,aq payments received by l.ender under paragraphs
<br /> _= 1 and 2 shull be applled: first, to uny prepayment charges due under the Nate: second.to umounts payable under paragraph 2;
<br /> ���� thfrd,to interest due:fourth,to principal due:and last,to any lute charges due uader the Note.
<br />--�:�. ,: 4,Chut�es;Liens. Borrowcr shall pay ull taxes,assessments,churges, fines and impositions attributable to the l�roperty
<br /> ur! which may attuin prtority over this Security Instrument, und leasehold payments or ground rents, if any. Borrowcr shall pay
<br /> these obligutions in the manner provided in paragraph 2,or if not paid in that manner, Borrower shall pay them on time directly
<br /> to the person owcd payment.Borrower shull promptly fumish to Lender ull notices af umounts to be paid under this paragraph.
<br /> -- - tf Borrowcr niakes these payments dir�tty,Burruwc�aliull prump►ty furnish to Ixnder receipts evidencing the payments.
<br /> ` Borrower shall promptly dischurge any lien which h�priority over this Security Instrument unless Borrower:(a)agm.es in
<br /> .r`�� '#� writing to the payment nf the obligation secumd by the lien in a manner acceptabte to[.ender;(b)contests in good fnith the lien
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<br />�;:��; by, or defends aguinst enforcement of thc lien in. Icgal proceedings which in the Lender's opinion operate tn prevent the
<br />:Y: enforcement of the lien;or(c)secures from the hofder of the lien an ugrcemcnt satisfactory to Lender subordinating the licn to
<br /> ��•� ' this Securiry Instntrnent. If Lender determines that uny part of the Property is subject to a lien which muy attain priodty over
<br /> ""'% ��' titia Security Instrument, L.ender may give Borrower a nodce identifying the lien.Borrower shnll satisfy the lien or tnke one or
<br />='�':'�a .� ` more of the actions set forth nbovc within IQ days of the giving of notire.
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<br /> ��=''.;:� :;,�.� Fo►m3028 9180
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