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<br /> '1'O�B'f�iBR W1TH aft thc tmpravcmcnts now on c�r-•.aftcr cratcd on thc propsrty,and alt easemcnts, appurtcrtanxs,and --
<br /> tixtuces now or hercatter a put of the propeny. All rr.placemencs and additions shall also be covered by this Security
<br /> Ituuumeat.All o�the toregoin�is rcierrod co in this Security Instrumeni�the"Propcny." �
<br /> BORROWEAt COYBNANTS thu Bonower Is lawfully seised of the escate hcreby canveyed and has che dght ca grant and
<br /> �..+���� wt�� D�.��w�ynel �i�n rh� �n�rr�le .sR�n����,lvr�d. �xecn�for eacumbraaces of record. Bonower warrants aud wiU __
<br /> defend�enerally the title to the Propeny analnet all cltitnt and de�zunds.subject to any encumbrancts of record.
<br /> THIS SECURITY tNSTRUMENT combinea untfortn covenaixs for nati�na!use and non-uniform covenants with limited
<br /> varia�ions by jurisdiction ro conseitute a uniform security instcument covedng real propeny.
<br /> UNIFORM COV�NANTS. Borrower aad Lender covenint and agr�e as follows:
<br /> 1. Pmymeat at Principal and Interesl: Prepa�yment and L�te Charees. Borrower shall promptly pay when due t�e
<br /> pMncipal of and interest on the debt evideaced by the Note and any propayment and lut chuges due under che Noce.
<br /> 2. Fuad�for Taxea And Insuraa,ce. Subject to applicable law or to a wricten wsiver by Lender. Aorrower shatl pay to
<br /> l.ender on the d�y monthly payments�re due under the Note,unti! the Note i�paid in full.a sum("Funds')for: (a)yeuly ta�ces
<br /> and usessraenu which may actain pdodty over this Secudty Instrumeat as a Ilen on the Properry;(b)yearly leasehold paymena
<br /> or ground renu on the Property,if any;(c)yearly hazazd or property insuranc�premiums;(d)yearly flood insurancc prcmiums,
<br /> if any: (e)yearly mortgage insuraace premium.s. if any;and(fl any sum�payable by Bonower co Gender, in accordu�ce with
<br /> the provisiona of paragraph 8.in lieu of the payment of inengage imurance premiums.T'hese icems are called"Escrow Iterns.'
<br /> Lender may. su any time, collect aad hold Funds in an amount not to exceed che ma�cimum amonnc a lender for a fed�rally
<br /> related mortgage loan may requin for Borrower's escrow account under tha federal Real Estate Settlemen[ Proccdures Act of
<br /> 1974 as amended from time to time, 12 U.S.C. Section 2601 et scq. ("RESPA"),unless aaother law that applies to tAe Funds
<br /> sets i lesser araount. If so, Lender tnay, ae any time, collect and hoid Funds in aa a�aount not to exceed the lesser amount. -
<br /> L,ender may esdmate the amouat of Funds due oa the buis of curnnt data and reasonable estimates of expenditures of futute _
<br /> Escmw Itrms or otherwise in accordance with applleable law. -
<br /> Tha I'unds shall be held in an institution whose dCposits are insured by a fe�ieral agency, insuumentaliry, or eptity
<br /> (lncluding Lender.if Lender is such aa inscitution)or in aay Federal Home Loan Bank.Lehder ahall apply the Funds to pAy the =
<br /> Esemw Items.I.ender raay noc char&e Borrower for holding azed applying the Funds.annually azialyzing the escrow acccunt,or
<br /> v�rifyin�the P.�cmw Itemc,unless i,ender pays F3�rrower interesc oa the Punds attd applicable law perinita Lender to mal:e such
<br /> a ehuge.Hawever,Lender may requice Borrower to pay a onatime c8arge for an Independent real estau tax reporting service
<br /> used by Lender in connectfon with this loan, entess appUcable law provtdes ochernise. Unless an agree�aeat is made oc
<br /> applicable law requlres interest to be p�id,Lender shall not be required to pay Borrower any interest or earnings on the Fuads. =
<br /> Boaower and Lerder may agm in wttting,however.that interest shall be paid on the Fu�ds. Lender shall give to$arrow¢r,
<br /> wittwut chuge, an annual accouating of the Funds. showIag crcdits and debics to the Funds and the purpose for whick each
<br /> dehIt ro the�uada was made.The Funds an pledgect as Addicional securiry far e�l sums secured by t63a Securlty Insuumeat.
<br /> ff sttt Funds txld b;Lx�er s��tht atae�*.s per�nirr�t r•�be held by a{�niicable law. Leuder shall account to Bocrower
<br /> far the eacess Funds in xeorduice with tPte cequirements of applicable law.Tf the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay fhe�scrow items when due,Lender miy so aatify Borrower in wrldag,and.tn such case Borrower
<br /> shall pay to t,eudet the amouat nxesaary to tnalce up the de�ciency. Bocrower ahaU make up the deficiency ia no more thui
<br /> neetve monthly paymr,nca,st Lender's sole discntion. _
<br /> Upon pryaunt in full of aIl sums secured by tlils Secudry Iascrument, Leader ahall promptly nthad to 8ortower anY
<br /> Funds hcld by Leader.If.under paragraph 21.Lender shafl�cquin or seU[he Propercy,L.eader,pdor to the acquisidon or sak
<br /> oP the Pcoperty. shall apply�any Funds held by Lender at the time of acqutsition or sale u a credic igainsc t6e suma secuced by
<br /> this Securiry Instrument.
<br /> 3.Applieatio�ot Paymenta.Unless+pplicable law pmvidex othecwise,�lE�ymeau received by L�ender widet Patagtapbs
<br /> I aad 2�hall be apptied: flrat,co u�Y pcepsymeac charges due uader ehe Nae: saond.to�ounts payable�nder pangr�ph 2;
<br /> third,co interat due;fourth,eo pdncipal due:aad lst,co aay lue charga due under the Note. ,
<br /> 4. Ch�rta;Litm.Borrower sh�11 pa�r �ll tua.ataeasmenu,chuga.fines and impoaitioas utributablc to the Ptoperty
<br /> wAich may anain Pdortty over this Seeuriry Insuument, and leasehotd payments or ground rents,ii any. BocmW�r�u wr
<br /> these obligations in the manner pmvidal in paragcaph 2,or if not paW �n ctuc manner,B�n'ower shall pay t1�em oa time directiy
<br /> t�thc persori owed payment.Botrower shtll pmmptly furniste to Leader oll notias of ununats to be pxid under this par�ph. ,
<br /> 'lc".',�rrower maices thesa payments directly,Borrower shall prompdy furalsh to Lender recelpts evidencing the paysaean.
<br /> Borrowet shall prompdy discharge any Uen which has prioriry over thie Secudry Insuunxnt unless Botrowu:(a)agrees in
<br /> wrldng to th�pay nt of the obligation securod by the lten in a�mwior accepcable to Leader;(b)concesW In good faith the lien
<br /> by.or defes�s�tf�ii��rament of the liea in. legai proceedings which in the Lender'a opinion operue to preveat thd,�
<br /> enforceme�:t of tbe lien;ar(c)secures fcom the hotder of the lien u►agreement suisfxtory to Leader subordinating the lien to
<br /> thia Securiry Iastnunept.If L.ender determines thu any part of che Property is subject to a lien wdich may attain priortry over ,
<br /> thi�SecurE�Inscrument.L.ender may give Borrower.a notice idendfying the iden.Borrower shnll sutsry tht lien or taice oao or
<br /> mon of tit¢actions set forth above withln 10 days of Ne giving oinocice.
<br /> Fam aoze g�eo
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