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<br /> 'COt3E l HFR 1�U3Ti H nll tliu improvements no�v oe hercaftee er..c;eci on d►e praperry,�nd nll easements,appurtenance�,nnd _-
<br /> tixtures now on c�reaftcr ;► pars of tl�c propc:�ry. All �cplucementa und acfditions r�h�ll ulso bc cuycrcd by this S�curjty �_��
<br /> Instrument.Ail of the foregoing is rcferred to in this Security instcument ns thc "Properiy."
<br /> BORROWER COVENANTS that Banower is lawfully scised uf the estate hereby conveycd a�id t��s the right Yo grant and
<br /> canvey the Property und thnt the Praperry i�unencumbercd, except f�r encumbrances of record. Bnrrower warrnnts an�f wll!
<br /> defend generally thc title to the Property ngainst all clalms and dcmunds. subJect t�any encumbrances of record.
<br /> THIS SBC'i1RITY iNSTRl7MENT combines unifarm cov�na�its for national u.e and non-uniform coveriants with tirnited
<br /> ...._s..•i....o 1..,:...�c�ti�r�„o►��.,naNeute a uniform securitv insqument covedng real propsny.
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<br /> UNIFORM COVENANTS.Borrower And l.rnderment und LAte�Char�es�Borrower shnll pramptly pay when due the
<br /> 1. Ps�ymeat of Prlacipal and Interest; Prepay
<br /> principal of und interest un the dcbt e�idenced by che Note and any prepayment ard late chargcs due undcr the Note.
<br /> 2. �nds for Taxes and Insura�tce. Subject to applicablc law or to a written waivcr by Lender, Bonower shall puy to
<br /> l.ender on thc dny mc�nthly payments Are due undcr thc Note,until the Note is paid in full,u sum("Funds")for:(a)ycarly taxes
<br /> und assessmcats which n�uy attain priority avcr this Security Instrument as a lien on the Praperty;(b)Yeur�Y leusehold paymenxs
<br /> or ground rents an the Yraperty. if any;(cj yeurly har.ard or p:operty insucanc�pre:niums;(d)yenrly flood insurnnce premiums, _
<br /> if any; (e)ywrly mortgage insurance preuuums, if any; and(�any sums payable by Barrower to Lender, in sccurdance with
<br /> thc nrovision�of parat�raph 8, in lieu of the payment of mortgAge insurancc premiunu. Thesc items arc callcd"Escrow Yten�s."
<br /> I.ender may, at eny time. col[ect and hold Funds in an :unount not to exceed the muximiun 2mount a le,�Jci fo�a f�z�al.y
<br /> related mortgage loan may requii�e for Borrower's escrow uccuunt under the federal R�al Estate Settle�nsnt Pracedures Act of
<br /> 1974 as ame�iuc;il6�o�n time to iim�, 12 U.S.C. Sectian 2601 P�BP.I]. �"RESPA'). unless another law that applies to the Funds
<br /> sets s lesser amount. If so, Lender may, at any time,collect and hold Funds in an rsmount nat to excee� the lesser amount.
<br /> Lender reiay estimate thc amount of Funds duc on the basis of current deta and reasonuble estimntes of expenditures of future
<br /> Escruw Items or otherwise in accordance wlth applicable law.
<br /> 1'he Funds shall 6e held in an institution whosc deposits are insured by t� federal agency, instrumentality, or cntity
<br /> (insluding Letidcr,if L.ender is sach an institution)ar in any Federal Home Loan Bank. Lender simll apply the Funds to �ay the
<br /> �scrow Ttems. L.ender may not charge Rorrower for holding and applying the Funds,a�ually wnalyzing tha escrow account, or
<br /> ��erifying the Escrow Items,unless I.ender pays Horrower interest on the Punds and applicable law pennits Lender to make such
<br /> a churge. Howaver, Lender may require Horrower to pay a one-time charge for an independent rcal cstate tax reporting service
<br /> used by Lender in :om�ection with this loan. unless applicable law provides otherwise. Unless an agreement is made or
<br /> applic;able law requires interest to be paid. Lender shall not bc rcquired to pay Boi�►•ower any intcrest or eucnings on the Funds.
<br /> uoi;i,:�c�PI'M L.:sxi�r�s:.�agree in�riLng,!?oW�ver;chat interest shall be paid�n the Funds. Lender sh�11 give to Borrowsr,
<br /> wiihnut charge, an anm�al accountinR of the Fmids. showing credits and debits to the Funds and the purpose for wnice cach
<br /> debit to the Funds was made.T'he Funds are pledgeci as addttiatal securlty for all sums secureci by ti�is Sec��rity instrument.
<br /> If the Funds held by Lender exceed the amounts permlttcd to bc held by applicable law,T.ender sl�all account to iiottower
<br /> for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender nt any
<br /> time is not sufficient to puy the Bscrow Items when due, Lender may so notify Borrower in writing,und,in such case Borrower
<br /> shall pay to Lender the amaunt necessary to make up the deficiency. Borrower shall make up the deCciency in no more than
<br /> twelve monthly payments,at Lcnder's sole discretion.
<br /> Upon payment in full of all sums securod by �his Security Instrument,I.ender shall promptly refund to Borrower any
<br /> Funds held by Lender.If,under paragraph Z 1. Lender shull acqu6re or scll the Arope;rty,[.ender,prior to the acquisition or sale
<br /> of the Property, sl�all apply any Funds held by Len�er at the time�f acquisition or sale as a credit against the sums secured by
<br /> this Securiry Instrunnent.
<br /> � 3.Applics�tlon ot Faycnents.Unless applicable la�v provides otherwise. all payments received by I.ender under parugraphs
<br /> 1 a��d� s1�al1 he applied: fir�t, to any prepayment charges due under tt�e Nate;second,to sunounts paynble under paragraph 2;
<br /> third,to intcrest due;fourch,to principal due; und last,to any late charges due undcr the Note.
<br /> 4. ChArgey;Ltens. Borrower slisll pay all iaxes, assessments,chargcs, fines a�d im�sitions uttributable to the Property
<br /> which may attsin priority over t8is Sccuriry Instrument, a�id leasehotd payments or ground rents, if any. �orrower st�all pay
<br /> these obligutions in the manner provided in paragraph 2, or if no:pald in that m,lnrier.Borrower shall pay them on time directiy
<br /> _. .,,.__....._..w..0...,,.......��c...,,�ah tn 1 nnrior all ��tirr.c nf amaunts to bc o:iid utidet this pitraQPitph.
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<br /> If Borruwer makes these puyments air�.ctly,Borrower shall prompdy fumish to Lender receipts xvidcncing ttie payments.
<br /> Borrower st�ail promptly discliarge any lien which has priority over this Security Instrument unless Bonower:(u)agrees in
<br /> writing to the pay►nent of the obligation secured by the lien in a manner ecceptable t�Lender; (b)oontests in good faith the lien
<br /> by, or defends ngainst enforcement of tl�� lien in,lesal procecdings which in the I.ender's opinion oper�te to prevent the
<br /> enforcr.ment of tlie lien: or(c}secures from the holder of the lien an agree�nent satisfactory to L.euder subordinuting the lien to
<br /> this Securily Instrument. If Lender determines that dny part of tbe Property is subject to u lien which may attuin priority��ver
<br /> this Security Insttument, Lcnder may give Borruwer u notice identifying the licn.Borrower sha11 sutisfy the lien or take one or
<br /> mare of the actions set fortA above within ]0 days of the giving of noticr..
<br /> Form 3028 9180
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