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<br /> ��`� 1Q��,��� =
<br /> 'fQGE7'H�'!t\'JTPFi all�lie impr�vemcnts no�v or her�af�cr ercc:ir,d u�t�lic property,mtil ull e:�sem:nts, iip� c �s, nn�l ,_
<br /> fixtures now ur h�rcaftcr a part uf �hc pri�perty. All rr,pinr.cmont�, uit�l nd�1{tions simll al�,u hr. cm-crcil by I�titi Sccurity �_
<br /> Instrumcnt.AU uf tl�e forc�oing is rc:frrreJ to in�his Sccuri.ty Inr;trrimt:nt u5 thc°Property." _.
<br /> RnRRQWF.R CC�VENANTS thnt Bc�rro�vcr is luwfully sciscd of tha�r�tntc hcrctsy convcycd imd h.►ti dia right to gr.►nt anrl L
<br /> cnnvey the Property und tl�cn the Pmpeny is unencumnerr�i, exccpt tor eni�umt►runres of record. i��rriuwer w;irramis unct +vilt _
<br /> defcnd gene�ally thc titic tei the Property uguinst nll clidms nnd dc:mnndf�,sabJcxt eo nny cncumbrimccs af recoril,
<br /> THIS SECURITY INSTRUMENT cumbines uniform covenante fc►r nntiunal use und nomunif��rm coven�mts wlth Ihnited
<br /> variutions l�y jurisdiction to constftutc a unif��rm sccurity ins�ruinent.:uv�rinF{��cal p��y����y. —
<br /> UNIFORM COVLNANTS.&�rrowcr mui l.cndcr covennnt mid u�rco ns f��llcnvr:
<br /> 1: Puyment nf Princip�l end Intnresh Prepnyment and i.utc C!uirgay. Uorrowcr shall prumptly pay �vhen due Uin
<br /> principal of and interest on thc debt evidenccd by tho Note mid uny prr.puymcnt nnd Int�churges duc undcr thc Nat�:_
<br /> 2. Funds for Taxes und Insurancc. Subjcct to npplic:abla luw or to a+vrittGn waivcr by L.endcr, Borrawcr shall pay to
<br /> I..endcr on the duy monihly payments Arc duc under tho Notc,untii rh�:Natc is prad in futl,n sum("Punds") far:(�1 ycnrly tsxes
<br /> . and assessments which muy atG3in priar+ty ovcr this Security Iunn��ment as a licn nn the Prnperty; (b)ycnrly Ie��seholJ paynients
<br /> or sround mnts on the Property,if any;(c)yca�ly hn�.nrd or propert.y insur.ince premiums;(d)yearly flcx�d insuraizce premiuntiy,
<br /> if any; (c)ye�rly mortgage insurance premiums, if uny; and(�anp sums pfryobla by Ba:rawer to l.cnder. in nG�ordan�e�vith
<br /> the provisions of paragraph 8, in lieu oF thc paymcnt of martBnyo insurance prnmiums.These items arc cnlled"1�scraw Iterr�,3."
<br /> l�ndcr may, ut any time, collect 1nd hold Funds in an amount not to excced tl�a ma�cimum amount n Icnd:r for a federally
<br /> related mortgage loan may require for Borrower's escro�v account under the federrl Rer►I Estate Settlement Pracedures Act of
<br /> 1974 ns amended fro�n time to timc, 12 U.S.C. Section 2GOl et seq. ("RESPA"),unless another law that applies to thc Funds
<br /> sets� lesser antaunt. If so, l.endcr may. zt uny timc, collf:ct and hald Funds in un amoun[ not to cxcc�xl tl►e lesser amount. �
<br /> 1J:nder mAy estimate the amount of Funds dua on d�e b�is of curcent data and reasonable estimates of expendjtures af future
<br /> I��;row Items or odierwise in nccordance with applic45!�:a�v.
<br /> '!'6c Eunds shull be held in �n institution �vhose c�ep�sitr. :ue insured by � federai ngency, instrumentality, or entity
<br /> (�rtclaclu�ru:n�er,ir Lcndcr is,u�i�a��i;,stituticnl or in::r.;Fedcr.e! Home l.oan Bank. C.ender sh:ill appty thr.Funds to pay the
<br /> �scro�v 3t�:.�ms, l;cnder may not cher�e Bornower for hold�ng and un�l3i.nB the Funds.'annually analyzing the escro�v accou�?,or
<br /> ver.9}•9ng the�scrow Items,unless Lender pAys Borrowca'_ntorest��n the�unds and applicablc law pernxits I.ender to mnke such
<br /> n charge. However, Lendcsr mAy require Borrower to p.�� �one-time char�e for An independent real estnte tati reporting service
<br /> uscd by L.ender in connection with this IoAn, unlo6s applicable Inw pravides otherwise. Unless an agre.�ment is made or
<br /> upplicable!nw requires intcrcst to be puid, Lendor sl�ull not be required to pay Barrower any int�sest or earnings on thc Fu++rds.
<br /> Borrower nnd Lcnder may agrea in wrltinE, however, that inicrest shall be paid on the Funds. ➢.ender shnll give to Borrower.
<br /> wSthout churge, an annual accounting of the Funds, showiug creslftL and debits to tne�unds und 'u�e puiEh,se ��r:�hjsh a:in
<br /> �lebit to the Funds was made.Tha Funds urc pledpcd as additional securiry for all surns secured by thls Security Iosuument.
<br /> If the Funds held by Lcnder exceed tha nmaunte�er.rnftted to be hcld by�+r,rlicable law,I.ender shall sccount to Borrower
<br /> far the exe�ss Funds in accordance with tho rGquiir:ments of applicuble luw. If the amount of the Funds he1A by Lender at any
<br /> time in not sa'tficienY to pay tho Escro�v Items�vhou dnc,Lender may so notify Borrower in wrlting,und,ln such casc Borrower
<br /> shall pay to Lender the amuunt necessary ta msilse up the deficicncy. Borrower shall make up the deticiency in no more d'u�n
<br /> thvelve monthly paymente.at I.endar's solc�die,cration.
<br /> Upon paymcnt in full of all sums scxunA !�y 11�is Security Instrumcnt. Lender sl�all promptly rcfurtd to Ilorrower any
<br /> Punds held by Lender.If,undor pnwi�raph 21, I.ender s�al(acquire or sell the Property,I..�nder.prior to the acquisition or sule
<br /> of the Property, shall upply Any FunsiE hcld by Lendcr ut thc timc of acquisition or snlc as a crtdit against the sums securtd by
<br /> this Security Instniment.
<br /> 3.Applicatlon of�Aymente.Unluss;�pplio�bla la�v provldes utherwisc,all paymonts received by Lender under paragraphs
<br /> 1 and 2 stial! be applied: flr�t, to any prupayment cheJbes due undcr the Note; sccond,to amounts payable undcr pamgraph 2;
<br /> ahird,to intem,st duc; fourth,to princ�pal du�;and last,ta tu►y latc ch�irges duc undcr tho Notc.
<br /> 4.Chttrt;es; Lfens. Borro�v�r stir.tl�pay ull taxes,assessments.charges, fincs and imgositions nttributnble to thc Fcvperty
<br /> which may n:tn�n prloriq� ovor thls�9c�:urity Instrument. und leasehold payments nr ground rents, if any. Borrower shal!pay
<br /> these obligations in thx m�rn�:r provid�in parngraph 2,or if nat p�id in thnt mnnncr,Bonower shall pay them on time direcdy
<br /> to the persoi�owed paym:.�i. Horro�vcr shall promptly furnish to Lender all norices of amounts to be p�id uuder this puragraph.
<br /> If Borrower mukes tliese payments dircctly,Borrower shall promptly furnish to l.enJer receipts cvidencing the FAyments.
<br /> Borrower shall promptly dischtirse any lien which has priority over this Secudty Instrument unless Bonuwer: (n)agrces in
<br /> writing to thc payment of tl�e obligation sccured by the lien in a manner acceptable to Lcndcr; (b)contests in good faith thc lien
<br /> by, ur defends a�ainst enforcement of the lien in, legal proceedin�s which in the I.ender's opinion operate to prevent the
<br /> enforcemcnt of the lien;or(c)secures from tl�c holder of the licn un ugreement satisfactory to I.endcr subordlnating the lien:o
<br /> this Security Ins¢rument. If l.ender determines thut nny part of tlie Property is subject to a lien which may ttttctin priority over
<br /> this Se,�;urity Instrument, Lender mey�ive Borrower u notice identifytng the lien.Bocrower shall satisfy the lien or tnke one or
<br /> morc of tt:e artions set fortli ubove�viY3in 10 days of the�ivin�of natice.
<br /> Form 3028 8180
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