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<br /> TOQETI•lER WITH all the improvementa now or hereafter erected oa tha pmperry. and all casements.appuRenances.and
<br /> fixtures now or herea4ter a part of the property. All replacemente and addidons shall also be covered by thia Security
<br /> Instn�ment.All of the foregoing Ps referred to in this Security Instrument as the"Progerty."
<br /> BORROWER COVBNANTS that Borrower ta lawfully seisad of tho estate hereby conveyod and has the right W g�nt and
<br /> convey the Property and that the Praperty is unencnmbered, except fur encumbrancxs of record. Borrower watrattts and will ;
<br /> defcnd generally the t�tle to the Property aseinst ell claims aad demanda,subjecc to ar�y encumbraetces af recard.
<br /> THIS SECURTfY INSTRUMBNT combines uniform covenanta for national use and non•unlfarm covenents with limited �
<br /> varladans by jut�sdfction to conatitute a uniform securlry instrument covering reul ptoperty.
<br /> LTIVIFORM COVENANT3. Borrower and Lender coveaant and agree as follows:
<br /> i. Payment of Princlpat and Interest; Prepayment attd I.ate Charges. Borrower shsll pmmptly pay when dua the
<br /> prirtcipal oP and taterest on the debt evtdenced by the Note and sny pmpayment and late charges due under thc Note.
<br /> 2.Funds tor Taxes und Insurente. Subject to applica8le luw or to a wr�aen waiver by Lender. Horrower shall pay to �
<br /> Lender on the day monthly payments are due uader the Note, antit the Note is paid la tWl,a aum('Funds")for:(a)yearly taxes
<br /> ead assessments which may atta�n pdorlry aver thls Security Inswment as a tierrort the Property: (b)yearly leasehold payments
<br /> or ground rente on the Pcoperty,if any:(c)Yearly hazerd or prnperty insuranca premiusns:(d)yesrly flood insurenca premiume,
<br /> if any; (e)yearly mortgage insurance preminms. if any:and (fl any suma payable by Borrower to I.ender. in aceordanco wlth
<br /> the provisions of paragreph S,in liou of the payment of martgage insw�ance premiunns•These ltems are calied "Escrow Items." '
<br /> Ltmdcr may, at any time.coltcoC antt fioid Funds in an amaunt noi to exceed the maxlraum amount a leuder far a Pedaally
<br /> related mortgage loan muy m,quire for Bornower's escmw account under the federal Real Estate Settlement Pmcedunes Act of ,
<br /> 1974 as amended from dme to tlme, 12 U.S.C. Section 2601 et seq. ("RESPA"),unless another lew that applIes W the Funda
<br /> sets a laaser ajuount. If su, Lender may. at uny time.coftcet aad bold Funds in an suuount aot w exeee�the lesser umount.
<br /> I.ender.may estimata the emount oi Funds due on the basis of current data and reasonable esdmates of eapenditures of futuro
<br /> Bscrow Items or otherwlse in accardance with appllcabte law.
<br /> The Funda shaU be held in an institudon whose deposlta ere insured by a federal agency. lnaKUmenWity, or endty
<br /> (including Lender,if Lender is such an 1nsHtutlon)or In any Federal Home Loan Bank.Lender shell apply the Funds to pay the
<br /> Bscrow Items. I.ender may not chatge Borrower for holding and applying the Funds. annually analyring the escmw account.or
<br /> vedfying the Bscrow Items,unless I.ender puys Horrower interest on the Funds aad appllcable law permits Lender io malce such
<br /> a charge. However. Lender may requlre Bonower to pay a one-time charge for an independent real estate tax mporting servica
<br /> ss�d !s3 I.Easier 3ss conaecston s:•Ish t3�s loan. srrsless apylfssble law gmvit�•� othPnvi�, Crnl�s �n eorep�nt ie m�is or
<br /> applicable law requlres intemst ro be paid.I.endcr shaU not be requined ta pay Borrawer any interest or earninga on thc Funds.
<br /> Borrower aud I.ender muy agrai in writing, however, that lnt�rest shall be paid on the Funds.L.ender shafl give t�Borrower,
<br /> withaut charge,an annua!accountins of che�unds, showin� credits and deblta to the Fuads aad the purpose for which each
<br /> debit to the Funds was made. The Funds are pledged as addidanal secudty for atl sums secured by thia Secudty Instrnment.
<br /> lf the Funds held by L.ender exceed the amounts permltted to be held by applicable law.L.ender sh�ll account W Hornower
<br /> for the excess Funds!n acco�dauce w�th the reguirements of applicable law. If the amount af the Funds held by I.ender at any
<br /> time is not sufflcient to pay the Escrow Items when due,Lender may so aotify Borrower in wridng,and,in such case Rorrower
<br /> shall pay ro Lender the amount neoessary to make up the deficiency. Borrower shall make up th�deficlency in no mom than
<br /> twelve rttonthly payments,at I.ender's sole dlscretian.
<br /> Upon payment In full of all sum.g secured by tQ�is Se�urIty Insuument, Lender shall pmmptly refund to Bornower any
<br /> Funds held by Ixnder.If.under paragraph 21,L.ender shail acqutre or sell the Property,Lender, pdor to EAe acqufsitton or salo
<br /> of t4Na Pc�p�_sty,shal!apply any Furtds held by Lender at the ttu�e of acyui�itlon or sale as a crodit against the sums sxuced by
<br /> thia Securiry Instrnmem.
<br /> 3.Applicatton of Peyments.Unless epplicable Isw provides otherwlse,all paymenta receive�by Lender tuider paragraphe
<br /> i and 2 shaii be appltod:fust,to any prepayment chargcs duc under the Note;semnd,to emounta payable under paragraph 2;
<br /> third.w interest due;fourth, to pr�ncipal due:and lest.to any late charges due under the Note.
<br /> 4.Chsrges; Llens.Bornower shal!pay uil tar.es.essessments.charges. flnes artd impositions attrlbutable w the Property
<br /> which may attain priority over thia Securlty Iasm�ment.and le�hold payments or ground renta, if any. Borrower shall p�y
<br /> thcse o6ligations in the manner provide+l in paragraph 2,or lf not paid in.Wat maMer.Borrower shall pay them on time dircctly
<br /> w the person owed payment. Bortower shaU promptly flunish to L.ender all nodces of amaunts to be paid under this pacagrnph:
<br /> If Borwwer makes these payments direcdy.Borrawer sball promptly fun�ish w Lcnder c+eceipts evidencing the payments.
<br /> Borrower ahalt prompity discharge eny lien which has prlodty over this Security Instrument uniess Bormwer: (a)agrces in
<br /> writing to the payment of the obligadon secwefl by the lien in a nwnner soceptuble to Lcnder;(b)contests in good faith the lien
<br /> by, or defends against eaforoement of the tien in. legal praceedings which in the I.ender's opinion operate to prevent Yhe
<br /> enforcement of the IIen;or(c)secures from the holder of the iien an agre�nent satisfactory to Lender.subordinadng the lien to
<br /> this Secudty Instrucr�nt. If Lender detercnines thai any part of the Property is subJect to a lien which may attain pr[o�3ty aver
<br /> thls 3ecurity Instrumont,Lender may�ive Borrower u notice identifying the lien.Bonower ahall satisfy the lten or take one or
<br /> more of the actions set forth above within 10 days of the giving of notice.
<br /> Farm SOZB 8180
<br /> Pape 4 of 6
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