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<br /> T'Q(lB'THSR WITH ell the Improvementa now or hereafter erected on the propeny,and nil ei��e nK.u�j p�urT s�'S nd
<br /> fixtur� now or heresfter a part of the property. All replacements and additions shall ui�a bc cavcrc�,d by this Securlty
<br /> Insuriment.Ali of the foregoing is rcferred to in thlx Securiry Inatrument aw the"Property."
<br /> BURROWER COVENANTS thut Borrower ia lnwfully seised of the cswte hereby conveycd nnd hus the right to grunt and
<br /> convey the Property urtd that the Property ts unencumbered.except far encumbmnces of recard. Borrower warrantx and wlil
<br /> defend generally the dtle ta th�Pmperty against ull clalms nnd demands,subject ta any encumbrunces of mcord.
<br /> THIS SBCURITY INSC1RUJvi�NT rombines un.iforrn covenants for nattonat ur+e and non•uniform covenants with limital
<br /> variations by jurisdictian to s�ap�tjtute a untform security instrument covedng real property.
<br /> UNIFORM COVENAN'1'S.Borrotiy$r and Leader covenant and agree tis follows:
<br /> 1. Peyment.ot'P�ttdpal and.Ittt�t Prepayment uad Late Cluirges. Bonower shall promptly pay when due thc
<br /> principal of and:iptarest on the debt ovddcmAed�hK the Note and any prepayment and late charges due under the Note.
<br /> 2.�utds for Taxes and Insut+�tt�.,Sq�tKi to applicable law or to a wr�tten wniver by L.ender.Borrower shall pay to
<br /> Lender un the day manthly p�ym�nis ats du�under.th�Noto,until the Note is paid in fuli,a aum("Funds")for:(a)yearly taxes
<br /> end assessments wbiqh,may•attain�pdbrity over thls S�urlty Instr�ment as a lien on the Properry;(b)yearly leasehold paymenus
<br /> or bmouad rentA an�th�Propprty.iP tu►ytt tp)yqsriy hai.�rd vr property insurance premiums:(d)Yearly flaod insurance premiuma,
<br /> if any;(e)yearly�•martgage ittsut�asic�,ptem�ums�if any; and(fl any sums payable by Borrower to I.ender. in acoordance wlth
<br /> the provisions af paragrdph,�:.in,liqu�oflt�tB�t�yu�ent of morigage insurance premiums.These items are called"Esr.row Itema."
<br /> Leqd�r may, at any tita�,oall�:t and,bald�.�ids in an :.rc�aunt not to exoce�i tha maximum emount a lender for a federaUy
<br /> rel�tod,mortga$e Ioan may.�i�tt►r#qh�wer's escro�w account under thB federat Real Esiate Settlament Procedums Act of
<br /> 1974 as amendqd&otn tima tA.t�me, 1R��",S.C. Scxtion 2601 et seq. ("RESPA"),unless another law that applies to the Funds
<br /> sets a lesser a�iount. If so, Lendar rilaj���s any tirae.colkct and hold Fuada in an amount not to exce�cl the lesser amount.
<br /> L.eader may estiaptte the amaunt;of�7Fuads due on the basis of cumeat date and reasanable estimates of expercditures of fuNre
<br /> Escrow Items or otherwiso iti,�arnrdu�nce with applIcable laa.
<br /> 'i'Dp Funds shall be hp3d,in an institution whose deposits are insucpd by a federal agency, insuumentality, or entiry
<br /> (inclttdin��LCptt�rr i.f l.ender is such an institudon)or In any Federal Home I.oan Bank.Lender shal!apply the Funds to pay the
<br /> Escrow.Itmna,.J..���4��tap rtot charge Bormwer for holding and agp1�+�IIaig the Funds.aanually enaiyaing the escrow account,or
<br /> verifyinffi�tho Bst�aiv flcenas,,ttnless I.endar p€�ys Borrower interest on dl�e Funds and applicable law permits Lender to make such
<br /> a charge. However. Lendommay reqaire Botrower to pa;+ a e�e-tune chgrge for an independent real estate tax rego[ting service
<br /> nsad by Lender In wnnecdao�.with this loan, unless a�rp�ac.�ble law provides otherwise. Unless an agn�mcn¢is made or
<br /> applicable law requires interest to be pa[d,Leader sha!!raat.be required to pay Borrower any iatgrest or�gs'on the Fwds.
<br /> Bomower and Lender may agree in writing,however,that iaterest sh�t);be patd on the Funds.Lender shall give to Boaawer,
<br /> without charga, an anuuel avcounting of the Funds. sho�v�qg cc+edit��:�nd�debits to the Funds and the purpose for which each.
<br /> debit w the Funds w2s m.�Ja. The Fuc:ds�re gle�ged 2s ac�di#idna!secti#It�j+for a!�sums�ecure�l hy this Security Ins3twnent.
<br /> if the Funds held ay I.ender exc:eed the amounts per.Knitt�d to be h�ld by applicable Iaw.Lender shatl acooqnt to:,Borrower
<br /> for t&e e�ccess�unds ia saordance with the requIrcments'of applicatite'`law.If the amount of the Funds held by f.�euder at aay . '
<br /> time Is not suffi'c�ea�t,to pay the Escrow Items when due,Leader may so�no'tify Sorrower in wrlting�ar�sl,in suc,�Aase,Borrasrsr,_
<br /> shall pay to i�ender the amount necessary to roake up the d�ficiency.'�Dr�+ower shall make up We deflcieaoy.in ttd more t�aq:_,
<br /> twelve monthlY Papmenta.at�L,ender's sole dlscretion. �• ' . '.. ;:, , , -
<br /> Upon payment in fhU,of•aU sums secured by this 5'e�urity Insuument, Lendet shall pmmptly refund�to Somower auy
<br /> Fuads held by Y.tnder.ff,under paragtaph 21.Lender s�x�l acquire or sell the Property.Lender,priar to the arqtutsidon or sale
<br /> of the Aroperty.shall agply any Funds held by Lender at t6e dme of acquis3don or sale as a credit against t4e�st�ms secu�+ed by
<br /> thls Secudtg lnsuurnent.
<br /> 3.Appl[c�tion of Pay�teeats.Unless applicable law provtdes oWerwise,all paytaents received by Lender under paragraphs
<br /> 1 and 2 shall be applied: first,to,any prepayment charges.due under the Note; second,w amounts payable under�patagrapb 2;
<br /> third,to inunst due;foueth,to principal due:and lasY,tsti any,late chazges due under the Note. • •
<br /> 4.C6atges;Lims.Bor�+ower shall pay all taxes.as�ments.d�arges�fines and impositions amibutable to the Pcopaty
<br /> wt�lch ms►y aua9c��pdority over ttus Securlty Insaumeni. and Ieasei�qId'�payments or gm�und rents.if any. Borrower shalII pay
<br /> these obligarions in the manner provided ia paragreph 2.or�f aot paiclr'�•iti�fat manner,Borcower shatl pay them oa time diredly
<br /> to the person owed payment. Bomower shall promptty fuuaG�t►to Ixnder atl aodces dS iimounts to be paid under this paragraph.
<br /> If$prnower makps these payments directly.Bomower s�I}rromptly furnish to Len�teoeipts ev�cing ttFe payments.
<br /> Bomnwer;§hull promptly discharge any tien which h,xu,prlorlty ovGr this Secur[ty Insmtment ess Botrower: (a)agt+ees in
<br /> wrEting co t&e p�}i�em of the obiigation�curat by tiec iiCU;W a nuumer aoceptable to L,ender.(b)oontesta in gaod Paith the lien
<br /> ' by. or defecnis against enfor�cement of the Iien in. leg�.-proceedings wiuch in the Leader's opinion operate to prevent the
<br /> e�P�r.+Cement of the lien;or(c)secures fmm the holder miff the�lien an agreement satisfa�ctory W Lender suboidimatimg the lien to
<br /> t1y���Securiry Insuumeat. If I.eader detemunes that any;p�ri of the Property is subject to a lien which may att�in�p�riority over
<br /> tAis Seta�rity Ia�zument, I.ender may give Borrower a anii�identifying the llen.Bon+ower shsll satisfy the lieri or take one or
<br /> more af tbe act�ions set forth a6ove withia 1�days af the giving of notice:
<br /> • . . -� Form 8048 9180
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