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<br /> 7'0C3ETHBR WITH ali the impravement�rtow or hereatter erected on the pmperty. ot►d nl!ensemca�g.uppurtenunces,and
<br /> flxtures now or herexfter a purt af the praperty. A11 replacementa und udditions shall ulsa be covered hy this Secudty
<br /> htatrument.All of the foreguing fs refcrral to in this Secudty Instrument as the"f'ropertY•°
<br /> BORROWSR COVQNANT�that Bar[ower ia lnwfully setsed of the estate hereby conveyai and hus the right to grnnt nnd
<br /> convey the Property nnd that the Property is unencumbered,except for encumbrances oF rccord. 8oecower wnman�g nnd�vlll �—
<br /> defend generully the ttde to the Prope�iy a�ainst alt clnims und demands.sub]ect to any encumbrnnce.g af record.
<br /> THIS SECURITY INSTRUMENT combfnes uniform cnvenanta for national use u�d nan-uniform covenants with limited
<br /> vsviutiaas by judsdlctton to coactitute a uniforr.i secudty instrurnent covedn�real propertY.
<br /> UNIFORM COVENANTS.H�rrower and l�nder wvenant and ag�'ec ns fnflows:
<br /> 1. Payment of Yti�ictpsti aetq inte�i i'�Nn�' , *°•" ri......m u...«..��► �hell nmmody �y when due thC
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<br /> principul of and interest un the�ebt ovidenced by the Note and anY prepaYment su►d�aee Charges duc under the Nate.
<br /> 2.Funds fi►r Taxes artd Iasurance. Subject to applicable Inw or to a written waiver by L.ender.Eorrower shall pay to
<br /> I.en�ter on the day monthly payment�nre due under the Note.until ti�e Note is Raid in full.a sum("Funds")for:(s)yearly taxes
<br /> und assessments which cnuy attain prlor�ty over this Security Tnsttument as a llen on the Property;(b)yearly leasehold payments
<br /> or ground rents on the Praperty.if any:(c)Yearly hezard or property insurance ptemiums:(d)Yearly Qood insurance premiwns,
<br /> if sny:(e)yearly martg�e insurance premiums. if nny;and(fl any sums payable by Borrower to L.ender. in aocordana with
<br /> ti�e provtsions of p.�tgt�tph 8,in lieu of the payment of mortgege insurance premiums.These items arc called "Escrow Items."
<br /> Lenrier may, at any cime,coltect and ha:d Funds in an emount ��� �� exceed the maximum amount a lender for•a federalty
<br /> reiated mortgage laan may require for Borrower's escrow account under the fectercil Retu Es.ate Set� ^ment Procedw'ea Act of
<br /> 1974 as amended fram cime to time, l2 U.S.C. Sectlon 2601 et seq. ("RESPA"),unless enother law that applies to the Funds
<br />� stts a[esser smount. If so, Lender may, at any time.collert and hold Funds in an amount not to exceed the lesser amouat.
<br /> Lender may esdmate the amount af Funds due on the basis of current duta and�easonuble estimates of expenditures of futute
<br /> Escrow Items or otherwlse in accordance with applicabla law.
<br /> The FundR shall be tc�ld in an institudon whose depostts ara insured hy a federat agency. Instrumentality. or entiry
<br /> (incfudins Lender�if Lender is such an institudon)or in any Federal Home Loan Bank. I.ender shall apply the Funds to pay the
<br /> Escmw Iterns.Lender may rtot charge Borrower far holding and applying the Funds,annuallY atoalYzing the escrow account.or
<br /> verifytng the Fscrow Items,unless Lender pays Borrower interest on the Fands and applicable Iaw permits I.ender to malce such
<br /> a�ksass�.Iia".'EYS�.LQn�er�Y req����wer to pay tt one-tlme char�e for an independent ceal estate tax reporting servir�
<br /> usetl by L.ender in c:o.nnection with this loan. unless applicable law provides otherwtse. Untess an c►gceeeme� is made or
<br /> apglicable law requires interest to be paid, Lender shrill not be requit+ed to pay Borrower any interest oi earnings�on the Funds.
<br /> Borrower und I.eader may agree in wr�ting.however.that interest shall be�raid on the Funds. Lxnd�r ahall give to Bonower,
<br /> with�ut charge,an annual accoundng of the Funds. showing credits and debTits co the Funds and the purposa for which each
<br /> debit ro the Funds was made.The Funds at+e pledged ns addidonal secur�ry for sU i�le+���nde eshall account t�o�Bornower
<br /> If the Funds held by L.endnt�xceed the amoants permitted to be held by app
<br /> for the excess Fuads in accordance wlth the requirements of appllcable taw.If the amount of the Fuixts held by I.ender at any
<br /> titue is not sufficient co pay the Escra►a+Items ahen due,Lertder may so npdfy Bomower in wrlting.and.in such case�3orrower
<br /> shaU pay to Lendee the amount necessary t6 muke up the de�ic[sncy. Aornnwer shall muke up the deficitncy in no mot�e tt�an ,
<br /> tweivc monthly payments,at Lender's sole discretion.
<br /> ,�Upon paymcnt In ti►il of all sums secured by thls 5e�urity Instivment. Lender shull pmmptly refund to Borrower any
<br /> F►inds held by Ixnder.If,under paragrnph 2l, Lender shall soqui�+e ur seli the Propeay.L.endcr. prior to the acquisitton or sate
<br /> � of the Property, shalt apply any Funds held by Lxnder at the tima of acquisltlan or sale as a credit against the sums secured by
<br /> this Security Inscrument.
<br /> 3.Appl6cation of Paymente.Unless applicable law provide�otherwlse,all payments rereived by I.ender under paragraphs
<br /> t and 2 shall be applied:flrst,so any prepayment charges due under the Note:second;to umounts payable under parugraph 2:
<br /> ttusd,to intemst due;fourth,to principal due:and tast,to uny lute cher8es due under the Note. � •
<br /> 4.Chsirgea;Liens.Borrower shell pay al! texes,assessmems.cherses� tines and lmposinons attributable to the Prop�ny. � -
<br /> wbich may attai�priority over this Security Instnunent, and leasehold payments ot ground rents. if any. Borrower shall pay°'
<br /> the.se nbligatlons la the manner pmvIded in patag�aph 2.or if not paid in.that manner,Botrower shsli�ay them vn�ime directly
<br /> to tho person owed payment.Bor[ower shall prompdy fumish to Lender alt notices of tunoiu►ts to bcs Faid uttder this paragrttph.
<br /> If Borrower makes these payments dinECtly,Borrower shall pmmpdy furnish to I.cnder receipt�evIdencing the pay�rients.
<br /> Bornower shall promptly discharge any lien which ha�prtority over this Securiry Instrument unless Borrower:(a)agc+ees in
<br /> wridng to the payment of the obligation securr.d by the lien in a manner acceptable W Lender;(b)contests in good f�ith the liem
<br /> by. or defends ugninst enforcement of the lien in. legsil proceedings which in the I.ender's opinion operate to prevent the
<br /> enforcement of the lIen;or(c)setures from the hnlder of the lien an agreement eatisfnctory to Lender subord[nating the lien to
<br /> tbis Security Iastrutnent.If Lender determines that any part of the Property is subject to a lien which may attain priority over
<br /> � this Security Inshument.Lender may givs Bartew�r n notice{dentifying the lien. Borrower ahnll satisfy the lien or take ane or
<br /> more of the activns set forth above within l�days of the giving of rtotice. �
<br /> . Wrm 3018 9f80
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