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<br /> TODETH!?R WfTH cdl thc improvement�now or hereufter erected on the propzrty.uiid uli e�sse�cnts,appurtenmiccs.and �.
<br /> Pixtunw now ar hercufter a part uf tha property. All �epincements and udditione �hall alr�a bc covercA by this Serurity
<br /> Instrumcnt.All uf tito farcgoinA Ia rcfcrrul ta in this Sccurfty IastNmcnt ua the"Prop^.rty."
<br /> BOItRQWBR COVf:NANTS thut 8nmrwer iy lawfully c+cisal o�the estuto hereby canveycd und hns the right to grunt nnd
<br /> canvcy thc Ampeny nnd thnt the Pruperly iK unencumberal. exccpt for encumbrance�:uf rcrnrd. &�rrowcr wuauntA und wi��
<br /> drfC��J gencriitty tt�a dtle ta thc Proprny n�nU�yt�d�clnim�nnd demnrtds,subj�ct ta uny encumbrunccw��f cccard. �
<br /> THIS Sf:GUEt1TY INSI'ItUMRN'1'��nmbinc+unlG�rrn cewcnante for u;►tlonsxl use iu►d nun-unif'arm cavenantg with{ia�ite�i
<br /> vnriati�ms by jurisJicti.�n toconwtitutc n uniform ticcurlty instrumcnt�avcring rcul propeny.
<br /> UNI�ORM CQV1iNANTS.Ha�rruwernnd l�:ndcrment and nl.aterCharges�Boreower ahull pmmptty pay when due the
<br /> 1. 1*ayment of !'rincipal and lnterrsti �pny
<br /> principal of und Intere`t an ihe debt evtdenced by tho Note nnd any prepayment and!c►te churges duc under the Note.
<br /> 2. I�ads tur Tax�s end�asorence•Suhject to epplicable luw or ta n wrltten waiver by I.ender. Borrawer shnll pay to
<br /> Lendcr on the day monthly paymcnts are due undcr the Note. antil ihe Nate is puid in fuU,a sum("Fun�'')i�eho d ay enta
<br /> und assessments which may c�ttnin prturity over this Securiry Instrument us a Iten on the Property:N)Y Y P Ym
<br /> or ground ronts an tBe Property,if any:(c)yearly hward or pmperty insurance premlums:(d)yearly flood insurance premlums.
<br /> if any:(e)yearly martgage imsurance premiumg. tf uny; and (4 anY sums puyablu by Borrower to Lender, ln eccotdnnce with
<br /> the praviai�ns of puragrnph�L.in lieu of the payment of mortguse insurance prerniums.These ltems are called'Escrow Items."
<br /> Lender muy, ac anY time.collcct nnd hold Funds in nn amount not to exceed the maximum umount a lender for a fe�erally
<br /> reluted Pnartgage loan may require for Burruwer's escrow accaunt under the federal Ra►1 �state Sectlement Pmcedures Act of
<br /> 1974 as amended from time to tlme, 12 U.S.C.Section 1601 et seq.("RESPA")� unless another law that applies to the Funds
<br /> sets a tesscr amaunt. !f so, Lender may, at any tlme,collect and hold Funds in�n amount not to exceed the lesser amount.
<br /> Lender may estimate tbe aittount of Funds due on the bns3s of current data und reasonable est(mates of expenditure.s of furu�
<br /> Escrow Items or otherwise in nccordance wtth appltcable law.
<br /> 'Fhe Funds shall be helJ in an insdtution whose deposits ure insured by a federal agency. instNmentality� or entity
<br /> {tncluding l.ender,lf I.ender is such un institution)or in uny Federal Home Loan Bank.Lender shall apply the Funds to pay�
<br /> Escrow Items. Lender may not charge Borrower for holding and applying the Funds,annually analy�ng t6�:escmw As�'ant,or.
<br /> ver�fying the Escrow Items, unless i,ender pays Rorrower interest an the Furtds and appl{cuble law permits L.ender ta matce such
<br /> a chacge. However.Lender may requtre Borrower to pay a one-dme charge for an independent c+eat estate tau r�ePortipS semce
<br /> used by Lender in connection with this loan, unless applicable law provides othenvise. Unless un agreement ia made or
<br /> npplicable iuw requir+es iatccest i�t�pald.L�,'adas'sh�!! not!�e r�qsiired t°pny�17°wer eny interest ot eantings on the Funds. .
<br /> Borrower und Lender may agree in writing. however,that interest shsll be puid on the Fuads. Leader shall gfve to Borrower,
<br /> without charge. an annual accounting of the Funds,showfng credits and debits to the Funda end the�urpose for which each
<br /> debit to the Funds was made•The Funds are pledsed es addicional security for a!1 sums secured by this Sectutty Instrument.
<br /> If the Fuads held by Lender exceed ehe amounta permittc:d to be held by appllcable Iaw.Lender shaU acoount to BQrrower
<br /> for the excess�ur►ds in accordance wtth the requiremenu of applicable law.If the amount of the Funds held by Lender at any
<br /> d►ne is not sufficient W�pay the Escrow Items when due,Lender may so notlfy Bortower in wdcing.end.in such case Borro.ver
<br /> shall pay ta L.endcr the amount neeessery to make up the deficiency. �orrower shalt make up the defictency in no more then
<br /> twelve monthly payments,at Lender's sole discretian.
<br /> Upon p�yment in fuil of all sums se.:ured by this Securtty Insuvment, Lender shall promptly reflu►d to Borrower any
<br /> Funds held by Lender.If,und�r paragraph 21,I.ender shall acquire or seq the Property,i.ender.pdor to the acquisition or sale
<br /> pp�he propercy,shal l apply any Funds held by I.ender at the time of acquisiti�n or sale as a credit agatnst the sums secnred by
<br /> this Security Instiument. �
<br /> 3.Application of Wyrnents•Unless applicable law provides othe�wise.a1�payments c�eoeived by Lender under paragraphs •
<br /> I and 2 shaii be npplied:fi rst,to any prepayment charges due under the Note;seeond,to amounts payable under pacagraph 2;
<br /> third.to interesi due;fQUrth,to princ�pai due;and last, to any late charges due under the Note. .
<br /> 4.Charges;Ltens.Borrower ahall pay ull taxes. assessments,churges,fines und imp�s{rions attributable W the Froperty
<br /> which may attain priortty over thia Secudty Instivment,nnd leasehold paymenta or ground renta. if any. Borrower shail pay
<br /> t�ese obligadons ln ehe manner provided in parngraph 2.or if not paid in.that rnanner,Horrower shatl pay them on time df�+ecdy
<br /> tp the person awed puyment.Borrower shall pmmptly fumish to Licnder all notices of amounts to be paid under thie parasraph•
<br /> If Borrower makes these paymentx directly. 13orrower shati prompt�y furid�i►tu Lendcr reccipts evid�ciag the payments•
<br /> Horruwer shall promptly discharge any lien which hes prlority over this Security Instrument unless Borrower:(a)agrees in
<br /> writing to the paymem of the obligation secured by the 11en in a manner uccepi�ble to I.ender;(b)contests in good fatth the t[en
<br /> by. or defends against cnforcement of the lien in, legat ptna�edings which in the I.ender's opinion operate to prevent the
<br /> enforcement of the lien;or�c)secures from the hoider of the lien an agrPxment satisfactory to I.ender subordtnatlns thr iten w
<br /> this Security Instrument.If Lender determines that any part of the Property is subject to a lien which muy attain prlorlty over
<br /> tl�is Securicy Instrument,I.ender may give Borrower a notice identifying the lien.Barrower shall satisfy the I[e�or take one or
<br /> more of the actions set forth above within l0 duys of the givin�of natice.
<br /> Fwm 3028 8180
<br /> Poge 2 ot 8
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