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<br /> TOflETHER W]TI-1 atl the improvemcnts naw o�r ietreafte�r Ienr�ed�a adjti ns shafl also beQ coveredpby�thisnS urity --_
<br /> �xtures now dr hereuftcr a part of the pruperty. p =
<br /> lnstrument.All of the foreguing fe referred to in this Secudty Instrument us the"Property."
<br /> SOFiROWF.R COVENANTS that Borrower is luwfully seised of thc cstute hereby conveyed und has the dght to grnnt end �
<br /> convey the Property and that the Propetty Is unencumbered. except tbr encumbrances of re�.urd. Borrower w;►rranu and wll!
<br /> d�efend�enerutly the title to the Property against all claims and demands,subject to uny encumbrances of record.
<br /> THIS SECURITY INSTRUMENT combines unifona covenants for nutionul use and non-uniform rnvenants with limited
<br /> variutiona by jurisdiction to constitute u unifarm secur�ty instrument covering rea1 pmperty.
<br /> UNIFORM COVENANTS.�orrower and Lender covenant and agree as follows: _
<br /> i. �,y;;;�,-.i s:I':Ia:,l�x!s� !�te�?�t; Pre3�aYment and i.ate Charges. Bormwer shall pmmptly pay when due ths
<br /> principal of and interest on the debt�videnced by the Note and eny prepayment and late charges due under che►�oic.
<br /> 2. Funds for Taxes end Insurance.Subject ta appl[cable taw or to a�vdtten waiver by L.ender.Borrower st►all pay to
<br /> I.ender on the day monthly puyments are due under the Notc. undl the Note is pa[d in full.a sum("Fuads")for:(a)yearly texes
<br /> and assessments which may atwin prlority over this Security Instrument as a lien on the Property:(b)Year1Y leasehold paymenta
<br /> or smund rents on the PropeRy.it'any:(c)yearly hnzsrd or pmperry insurance premiums;(d)yearly flood inswance premiwns.
<br /> if any:(e)yearly mort�age insurunce prerhiums,if any; and (�an9 sums payoble by Bornnwer to Lender. in accordance with
<br /> the provisiuns of psuagraph 8. in lteu of the payment of mortgage lnsurance premiums.These items are called'Escrow Items." `.
<br /> I.ender may. at any dme. collect and hold Funds in an amount not to exceed the maximum amount a leader for a federally
<br /> related mortgage loan may require for Bonower's escrow account under the federal Real Estate Settlement Pmcedures Act of
<br /> 1974 as amended fcom drne to tlme.•12 U.S.C.Sectton 26UI et seq. ("RESPA").unless another law that appltes to the Funds
<br /> sets a tesser amount.If so.Ixnder may. at any time, collect and hold Funds in en amount not w exceEd the lesser amouat.
<br /> Lender may estlmatc the amount of Fuads due on the basis of current data and reasonabte estimates of expenditures of tuture
<br /> Escrow Items or othetwise in accordaace with epplicabie law.
<br /> The Funds shell be beld in an institudon whose deposits are insured by a federal agency, instrumentality. or entity
<br /> (jncluding Lender. it Lender i��ucii an instituNoo)or ia 3ny Federd Homa Loan Bank.Lender shatl apply the Funds to pay the
<br /> �scrow Items.Lender may not char�e Borrower for holdin�and applying the Funda.annuallY analYzing the escrow accounc,or
<br /> vedfyir�g the Bscrow Items.uniess Lender pays Borrower interest an the Funds nnsl appUcable law permits I.ender to make such
<br /> �����,�au.�;�.���Z�y���tre Borrower to pay a one-time charge for an independent real estate ta�c reporting servtce
<br /> used by Lender in oonnection with this loan, unless applicable law provides otherwise. Unless an agreemenc is made u:
<br /> appllcable law cequires interest to be paid.Lender shall not be required to paY BoTrower any interest or eamings on We Fwtds.
<br /> Borrower and l.ender may agrce in writing, however.that interest shall be paid on the Funds. Lender shaU give to Barrower,
<br /> without charge,an ennual accounting of the Funds. showing credits and debits to the Funds and the parpose for which each
<br /> debit to the Funds was m�de.The Funds ere pledged as additlonal aecurity for all sums secured by 4his Security Iastcument.
<br /> If the Funds held by Lender exceed the amounts permitte�l to be held by applicable Iaw. I.ender sheU accoant w Borrower
<br /> for the excess Funds in accordence alch the recluirements of applicable law. If the amount of the Funds held by Lender at any
<br /> tlme is not sufficient to pay che Escrow Items when due.Lender may so nodfy Borrower in wrtting,and.in sucb case Borrower
<br /> sliall pay to Lender the amount necessary eo make up the deficiency.Borrower shall make up tlie deficiency in no more than
<br /> twelve monthly payments.at L,ender's sole dIscretion.
<br /> Upon pay�nent in full vf all sums secured by this Security Insttument. I.ei►der shaU pmmpdy refuttd to Borrower any
<br /> Funds held by Lender.If,under parag�aph 21,Lender shall acquire or seA the Property.I.ender.prior to the acquisltion or sale
<br /> of the Propet¢y.shall apply any Funds held by Lender at the time of acquisiaon or sale as a credit against the sums secured by
<br /> this Security Insuvn►ent.
<br /> 3.Appllcatfon oi Payments.Unless applicable law provides ott�erwlse.al�puYments received by Lender under paia8raplis
<br /> •Y and 2 shall be applied: first,to any prepayment charges due under the Note;second.to amounts payable under paragraQh 2�
<br /> third,to interest d�►e; fourth.to principal due:and tast.to any late charges due under the Note.
<br /> 4.Charges; Ltens. Bor.rower shall pay a!1 taxes.assessments. cl�arges.fines and imposidons attrlbutable to the Property
<br /> wtuc6 may attain pdodty over this Securiry Instcument,and leasehold payments or ground rents,if any. Horrower shell pay
<br /> these obligations in the manner provided in paragcaph 2,or if not paid in that manaer,Borrower shaU pay them on time directly
<br /> to the person owed payment.Borrower shall prompdy fumish ta Lendec a11 notices of amounts to be paid under this paragrapd.
<br /> If Bortnwer makes these payments die+ectly,Borrower shnll prompdy fumish to L.ender recefpts ev�den¢ing the payments.
<br /> Borrawer shatl pcomptly discharge any Iied whlch has pdoriry over this Security Iaswment unless Borrower:(a)aSrees�n
<br /> writing to the payment of the obligatlon secured by the lien tn a manner aoceptable to Lender;(b)contestsc in good faith the lien
<br /> . by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
<br /> enforcement of the iten;or(c)sec�ms from the hotder of the lien an agreetttent sztisfactory to Iw:nder subordinating the lien to
<br /> this Securlty Instrument. If Lender deternunes that any part of the Property is subject to a lien which may attain prioriry over
<br /> this Security Instrwnent, Ixnder may give Bort+ower a nottce identifying the lien.Borrower shall satisfy the lien or take one or
<br />— more oF the actions set forth above within 10 days of the giving of nodce.
<br />— Form 3028 8180
<br />- Pgo 2 a B
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