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<br /> • TOGETN�R W1TM all the Improvemc:nts now on c�reafter erectecl on thc properTyMand1al����� —
<br /> appurtenauccs, ond fixtures now or hereaRer a pan of thc propeny. Ali rcpiacemrn►s and a�iui�ivu� st►a11 also be �
<br /> covered by thia Secudty lnstrumeat. All of the foregotng is referced to in thie Secudty Insttwt�ent as the "Praperty."
<br /> BORROWBR COVENANT5 that Borrower ls lawflilly seisM of the est�tr hereby conveyed und h�s the rlght to
<br /> grant �nd coavey the Propeay and that tde Propecty ie unencumbered, exeept far eneum6ranec�s of recard. Horrower
<br /> wanants and will defend generally the title to the Property agaiast aU clnims and deniande,subject to any encumbmncrs
<br /> of tecurd. `
<br /> TH1S SECURITY INSTRUMENT combines uniform cavenants for aationel uae and non-unifarm covenants with
<br /> llmited varittions by Jurlsdiction to canstltute a unif'arm secudry iustnunent covedng mal property.
<br /> UNIFORM COVBNANTS. Borrower and l.ender�ve�t an�����eL�"'�piomptly pay whon due tho
<br /> 1. Payment of Priacip�l aod Intuest; Pre�yymco�
<br /> principal of and interest on the debt evidenceci by the Note azzd eay p�?aynae�e �nd 1!ate clva►8rs due under the Note.
<br /> 2. Puod,s{a Tua aod Inwraxe. SuT�lecs to applicabic law oc ea a u,riecezx w�iver ny 1Lemde�r.. Borrower suall
<br /> pay to Leader on the day monthly paymeats ace cP.rae uu�der ttee Nate. unte� t�ie Note is paid in 1�q,a suR►("Fw►ds")
<br /> for: (a) Yearly taxes and assesscz�mc� wA.icR�n�ca�y attain pri�riex ovaR tbi:>Serr�cciry IIustrrseaeezn as a 8ien:va the Property;
<br /> (b) Yearly leasehold payineutS ort grouuid rents on the Pra��gecty> iS an�r; (c! X�1��azazd or propetty Ias�
<br /> pnmiums: (d) Ye�cly flood icessvraca�e pn�nzraa�s, if any;�e1 F�ly tao�tbage insuraur.� premiums. if any:and 4��Y
<br /> sums payable by�o�►wer to Lcnder, iu t�000rd.aove wiW ttee provisians aE pacagraph 8.ln lieu of the paynneat of
<br /> mortgage tasurair,� �►remiums• 'Chae itettss a�e ca�led "Escrow Iteus�." F.endea may,at any tiece, coUect and tnold
<br /> Funds ia aa asnount not to�xceed the maneanu�u:amount x lender for a federally ceriac�l uwi�tgage [oan may tr�,c�re
<br /> for Borrower's escrow account uader the federal Real Fstace Settiement Procedures A.�t of 1974 as uaeaded frone r�me
<br /> to dtne, 12 U.S.C.§2601 et seq.�i'RIESPA"�.unless acso�M.�c 1�w that applles to the Flu�ds sets a lesser amouut. If
<br /> so.I.ender mav.a� �Y �. �u�t � �Q'�� �6�� � � �0�t not to oxceed the lesser acn�a,arat. I.eader may
<br /> estiivate the sma�t of Funds due om rtl� Cmi�s�+t currens �aw and r,c��wuaLlC ut;;aat:N a::xa��'tura nf futtsre
<br /> Es�x+a� Items or othetwlse in acxoTdance w3vh-applicablr law.
<br /> '�r;Funds shall be held ia an institution whose de�:�nts•�us insurcd�a federa! �eacy,ins�ntelity, or entiry
<br /> (inciucQ�sng Lender, if Leader is such an institudon) or iu t;ny:Federal Home Loan B�. a.evder sh�ll apply the Fuads
<br /> to pay the Escrow Item4. I,eader may not charge Bono�vPr for holding and appl}•�R�� Funde. annusllY �Y�B
<br /> the escrow Ac�oount, or verlfying the Escmw It�m9. unless Lender pays Borrower interest on the F1mds aad ppplicable
<br /> law permius Lender to malcc such a chuge. However.Lender may requ�re Borrower to pay a onat8aae charge for aa
<br /> independent ral estue tax repordng service used by I.ender in w�,i�a:ttou wi�h ihis laaa, u�:�ss sgglfcabl= law
<br /> pmvides othenvise. Unless an agre�ment Is made or applicable law requires iaterest to he paid,fxmler shaU not be
<br /> required to pay Borrower aa�y intorest or earnittgs on the Fuads. Borrower and I.ender may ugt�c in�wdting�however.
<br /> that inurest shall be paid on the Fuada. Lender shall give to Borrowa, without chsurge, an atwu�l aecouating of the
<br /> hltnde, sDowing Ct'edtte and debits to We Funds pnd tlsc gis�:t for�hirh rar.h dehit tn thr hti�nr7� was m�de. The
<br /> Fuads are pledged ac eddittonal secucity for all sums secured by thia Sacurlty Inetn�nent. .
<br /> If thc Ftu�ds Leld by Leadcr exoeed the amounis permltted to ba held by apPllcable law.Leader shall account to
<br /> Borcower for tbe excas Fnnd.s in accordanoe with the requircu�entfi of applicable law. If the amount of the Fund�deld
<br /> by I.ender �t �ny time is aot suffictrnt to pay the �sc�ow Items whea due. I.ender may so notiFy Borrowa ln wrlting,
<br /> and.la such cue Borrower shall pay to I.eader the�mount neceasary to mnlca up th� deticiency. Borrower sliall m�ke
<br /> up the deficteacy ia no moro th�n cwelve monthly payments. u I.ender's sole disc�etlon.
<br /> Upoa paymeat ia full of all sums aecured by ttils Securiry lastnu�nt. Imder shall pmmpdy ret�nd to Bortowa
<br /> any Funds held by Lender. If,under para�niph 21.Ixnder shell acquire or sell the Piroperty. Lendec'. prior to the
<br /> � aoquIdtion or sale of the Propercy.s1�a11 aPp19 anY Fuads b�ld by I�ender at the tlroe qf acquisition or sale u a cndit
<br /> . against the suu�s socumd by this Securlty iaistnuuent. � �iveci b I.ender uader
<br /> � 3. Applio+�ioa of Arymedr. Unless applicable l�w provides othcnviso, all ps►ynun Y
<br /> p�regnphs 1 and 2 shall be appliod: first�to at►Y P�Paymmt ch�rgea due under the Note;Recofld.•to aihounta �ay#ble
<br /> under par�gr�ph 2:third.to interat dur. fourth, to priacipal dur,nnd last,to anF �ate e�tges due uuder t1tc�Nntc.
<br /> 4. C�es:19Rat. Borrower shill pay�ll taxes.assasnxnta� chuges,fin�aat�U i�positlons atMbuable td tLe
<br /> � pmperty which m�,y atta9n priority over thie Securtry Iasmimeat. and leaseholk �ayiu�nta or gt�tnd reats, if�nY• .
<br /> Borrower shall pay tDese obliguions in the m�naer pmvided !n paragraph 2,Qr fE ro�i:�p�id in th�t m�oner. Borrowa
<br /> I�A�ASWie Fam11Y•PlOIAO�kOG'NNA�ORM IIiS'lRUI(ffi�f Eiota 302i 9VDD
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