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<br /> • TOOETHBR WITH nll the improvements now or hereutter et�ted on the property.and Wi easements,appurtcnartces,nnd
<br /> ftxtums now or herenRer n part of the property. A11 replacemenfts and additions ahall nlso be covered by thia Security
<br /> Insuument.All of the foregoing is�efern:d to in this Secudty Instru�rtent as the"Propercy."
<br /> BO�iROWER COVENANT5 that Borrawer is lawfuliy sefsed of the estate hereby conveycd and haw the right to grant und
<br /> convey the PropeRy and that the Property is unencumbered,except for encumbrnnces of record. Durrower warrantx und wfll
<br /> defend generally the title to the Property aguinst alt clalms and demartds,subject to eny encumbrances of record.
<br /> THIS SECUttITY INS'lCRUMENT combines uniform covenmit�for nationnl use und non-uniform covenants wlth Ifmited
<br /> variat[ons by,�udsdiction ro conatitute a uniform security instnunent cavering real property.
<br /> UNIFORM COVENANTS. Horrower and I.ender�nt and I.ete Charges�Borrower shali promptly pay whcn due the
<br /> 1. Payment of Prit►cipul and Interest; Prepaym
<br /> prin�ipal of and lnterest on the de6t ev[dencxd by the Note and any prepayment and late charges due under the Note.
<br /> 2. Funds for Taxes and Insw�ar►ee•Subject to applicable law or to a written wniver by I.ender. Borrower shall psy to
<br />' i.ender on the day inonthly payments are due under the Note,ur�til the Note is paid in full,a sum("Funds")for.(aj yearly taxa
<br /> and assessments which may attatn Prlodty over this Secudty Instcument as a lien on the Property:(b)yearly teasehold paymenta
<br />. or ground rents on the Property,if any;(c)yearlY hazai'd or properiy insurance premiums,(d)yeatly flood insurance premiuma,
<br /> lf any:(e)yearly mortgage insurance premlums.if eny:and(� any sums payable by Borrower W Lender, in accordancc with
<br /> tbe pmviatons of paregraph 8,in lieu of the payment of mortgage insurence premiums.These items are called"Escc'°W Items.�
<br /> , I�ender may. at any time,collett and hold Funds in an amount not to exceEd the meximum amoun�a lender for a federally
<br /> � related mort�age loaa may require for Bonowar's escrow aaonnt under the federal Real Estate Settlement Proce�ures Act af
<br /> 1974 as amended from time to tisne. t2 U.S.C.Section 2601 et seq. ("RFSPA"),unless another law that applies to the Funds
<br /> i sets a lesser amount.If so. I.ender may, at any time. collea and hold Funds in an amount rtot to exceed the lesser amounG
<br /> Lender may esdmate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of futum
<br /> ' Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shatl be held in an institutIan whoae deposits are instued by a federai agency, instrumentalhy, or entIry
<br /> • (inciuding I.ender. if Lender is auch an insdtudon)or in any Federal Hame I�oan Bank•Lender shall apply the Funds to pay the
<br /> Escrow Items.L.ender may not chArge Borrower for holding end applying We Funds.aMUa1lY analY�ng�e escrow ac¢ouat.a
<br /> verifying the Bscrow Icema. unless L.ender pays Borrower interest on the Funds and appUcable law permits Lender w make such
<br /> �� a charge.However,I.ender muy require Borrower to pay a ane-time charge for aa independeat real estate tax�reP=rtis g�s�ia
<br /> used by L.ender in connection wlth this loan, unless applicabie law provIdes otherwise. Unless az► agree
<br /> ' appllcable law requires imerest W be paid.Lender shall not 6e required to pay Bonower any interest or earnings on the Fuads.
<br /> `, Borrower and Lender u�ny agreE ia u'ritiag. lui���e�'. thg?fnrPre.ct shalt be paid on the Fuads. Lender shaq glve w Borrower,
<br /> wtthout charge,an annual accoundnB of the Funds,showing credits end debits co che Funds and the purpose for which each
<br /> debit w the Funds wes made.The Punds are pledsed es nddidonal secudty 4'or�ll sums sacured bY thts Se�vrlty Instrument.
<br /> If the Funds held by L.ender exceed the umounta permitted to be held by applicable law.Lender shall account W Borrower
<br /> for the excess Funds in acca:dtu►ce with the requirements oE applicuble law. If the amoucet of the Funds held by Ixnder at eny
<br /> dcne is not sufficient to pay the Escrow Items when due.Lender may so notify Horrower in wrttjng.and.in such cese Borrower
<br /> shaU pay so Lender the anount necessary to make up the deticiency. Borrower shall make up the deficiency in no more tha�►
<br /> twelve monthly pmymenu,at Lender's so(e discretion.
<br /> � Upan payment in full of all sums secured by this Security Instmment, Lender shall prnmptly refund to Boreawer auY
<br /> � Furtds held by Ler�der. lf,under paragcaph 21.Lender shall acquire or sell the PropercY.Lender.prior to the acqaisition or sale
<br /> af the Property,s6all apply eny Funds held by I.ender at the dme oY acquisition or sale as a credit against the sums secuned by
<br /> thla Secudty Instrument.
<br /> i 3.Appllcatton oi Peymet�te.Unless applicable law provides otherwise.all payments received by Lender under paregraphs
<br /> 1 and 2 shall be applied:�iist. to any prepayment charges due under the Note:serand,to amounts payable under parag�aph 2;
<br /> third�to intenst due;€ourtl�,to principa►duec and�as�•to anY late cherges due under the Note.
<br /> 4.Charges; Uens,Borrower shall pay all taxes.assevssments. charSes. fines and impositions amibutable to the Property
<br /> whlc6 may attain priorlty over this Security Instrume.nt, and leasehold paymenis ar ground rents.if any. Borrower shall pay
<br /> these obligatians in U�c ate.-uter prov{drd in psragt�ph 2.or if+nnt paid in that manner.Borrower shall pay them on time direcdy _
<br /> to the person owed payment.Bornower shall prompdY furaish to Lender all noticea of amounta to be paid under this paragraph.
<br /> If Borrower makes these payments dirertly.Borrower shall promptly fumish w Lender reoeipts evidencin�the paytaents.
<br /> B�rmwer shall promptly discharge any lien which haspriority over this Security Instrument unless Borrov�+er.(a)agree�+in
<br /> wrlflng to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)oontests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal proceedings wluch in the Lender's opinion operate to prevent the
<br /> ' enforcement of the lien;or(c)secw�es�+om the holder of the lien an agreement sattsfactory to Lender subordinacing the lien to
<br /> this Seca�rity Instrument.If Lender detemiines ihat any part of the Proper�y is subject to e Uen which msy attain priority over
<br /> this Security lnsuvment,L.�ader may give Borrower a nodoe identifying the lien.Borrower shall satisfy the lien ar take one or
<br /> more of the acdons set forth above within 10 days of the giving of notice.
<br /> Form 3048 8180
<br /> . Pcsge 2 Of 8
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