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<br /> 'i'OCifsTHF.R WtTH ull thc hnprav�nkntr nuw on c�rcufter crectcd on thc property.und ull cnR�mcntr+,uppunenan�ag.
<br /> and fixwres naw��n c��eaf'ter u part of the pmpeny All replucements nnd uddidonw et�ull alsa be covered by thix See:urity
<br /> Instrument. All af the furcgoing is rcferced co in thix Security Inxtnuncnt nx�hc "Roperly:'
<br /> HUFtKUW�R CUY�NANTS�hal Iloauwcr is la���fully seised�f the esii�te hereby canveycd atid lius thc right ta grnnt `
<br /> and convey the Property and that the Property is unencumbered,except for encumbrnnces of ru:ord. Borrowcr wiurauts und
<br /> wlll dcfend generaily the dtle to the Properry ngainst all cluima and derr,ands.RubJect to uny encumbrances of rocard.
<br /> THIS SECURITY 1NSTRUMENT' combines uniform covenant� for nadonul use and non-uniform cavenantq wlth
<br /> limRed variaQons by Judsdicdon to constitute a untfomi secudty Instrument covedng reul property.
<br /> UNIFORM COVENANTS. Bonowcr and Lendcr ent w�d Late ChargeaQ11Bonower shall prompdy pay when due thc
<br /> 1, Pityment oi Principal wnd Interest;Prepaym _
<br /> princlpal of and intcrest on the dobt avldenced by the Note and any prepayment and late charges due under tha Note.
<br /> 2, Funds for'lhxes And Insuranca Subject to applicable law or to a wdtten waiver by Lender.Borcower shall pay to
<br /> Lender on the day monthly paymcnts are due under the Note,unt�l die Note is paid in full,a s�"Funds")f�oi ta�Y hold
<br /> taxes and asussments which may attain pdority over this Security Instrument as a»�jnsurance premlwnts:�(d) yearly flood
<br /> payments or ground rents on the Property. if any; (c) yearly haz�ud or property gonawer to
<br /> insurance premiwns, if any; (e)yearly mortgage insurance premiums, If any;and(fl any sums payable by
<br /> I.ender,in accordance with the provls[ons of pAragcaph 8,in lieu of the payment of mortgage insurance premiums• These
<br /> items nre called"Escrow Items.' Lender may,at any time,collect und hnld Funcic in an amount not to exceed the maximum
<br /> amount a lender for a federally related mortgsge loan may require for Borrower s escrow account under the federal Rca1
<br /> Estate Setdement Procedures Act of 1974 as aruended from ame to dme. 12 U.S.C.§?.C�(11 et seq.('RFSP?► ).unless another
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<br /> law that upplies to the fi�nds sets a lesser emount. If so,Lender may,at any time,collect and hold Ft�nds in an amount nat to
<br /> exceed the lesser amount. Lender may estimate the amount of FUnds due on the basis of current data and reasonr�ble
<br /> esdmptes of expenditures of future�scrow Items or otherwise in accordance with appltcable law.
<br /> 'i'he �►nds shaU be held in un insdtutlon whose dcposits are Insured by a federal agency, instrumentality,or endty
<br /> (including Lender,if Ixnder is such un institudon)or in any Federal Home Loan Bank. Lender ahall apply ehn��eS��P w
<br /> the Escrow Items. Lender mav nat charge Borrower for holding and applying the Funds, annually analYz 8
<br /> account, or verifying the Escrow Items,unless T.ender pays Borrower interest on the FUnds nnd applicable law permits
<br /> Lender to make such a charge. However,Lender may requlre Bo►rower to pay a one-dme charge for an lndependent real
<br /> estate tax reporting service used by lxnder in wnnecdon with this loan,unless applicable law provides otherwise. Unless an
<br /> - $��mPnt is made or appHcable law requires interest to be paid,Lender shall not be c�equired ta paY Borrower any interest or
<br /> eaznings on the Funds. Borcower and I.ender may agcce in wricing,howavci.ihai intcrest»ha14 bc ga3�^n the Funds. Lr,nder
<br /> ,' shall givfor w h each debit to the��nds was m de.�ThenFands are pledged es addiH�al securlty for�all sumsnsecured bY
<br /> _ P��
<br /> . this Securlry Insnvment.
<br /> : L,ender shall account to
<br /> If the Funds held by Lender excad the amounts permitted to be held by applicable law.
<br /> Borrower for the excess P1u►ds in accordence with the�equirements of applicable law. If the amount of the Pwxis lxld by
<br /> - Lender at any time is not su�cient to pay the Escrow Items when due.Lender may so notify Bomnwer in writin8.end+i�►
<br /> such case Bonower ahnU pay to I..ender the amount necessary to make up the d�ficiency. Borrower shall make aP the
<br /> detictoncy 1n no more than twelve monthly payments,nt Lender's sole discretion.
<br /> Upon payment ta full of all sums secured by this 5ecnrlcy Insut►anent. Lender shall prompdy�re'od���i i�a
<br /> Funds held by Lender. If,under pa[agraph 2l,L.ender shaQ acqui�e or sell the Property.l.endcr.p
<br /> - sale of the Property.ahall apply any ll�nds held by Lcnder at the dme of acquisidon or sale as a orcdit egctiast the sums
<br /> sr,cured by thjs Securlty Insocument.
<br /> 3. Applkation ot Paymente. Unless applicable law provides otherwise,all payments received by Len�kc r
<br /> : paragraphs 1 and 2 shall be applied:t'irst,to any p�epayment charges due under the Nots;s�cond,to emounts payable under
<br /> ? paragraph 2;third,to inunst due;fourth,to principal due:and last,to eny late chargts due under the Nou.
<br /> - 4. Chargtai i.koe. Borrow�r ahall pay ull taxes, assessments�chargcs.fm��d �P°d r�nts i�at�iy Barower
<br /> property which msy�tta�n pdority over this Seciulty Instrument,and leasehold payme S�n
<br /> shall pay these obl(gadons in ttie ma�uxr provided In paragcaph 2,or if not paid ia tbat manmr.Boirower shaU pay ae�r
<br /> tune direcdy to ti�pecson owed paymenG Borrowu shall promptly furnish to Lender ��sh t Lender receipts d encing
<br /> this paragraph. If Borrower makes�hese payments directly.Borrower shall promptlY
<br /> �P�Y�nts.
<br /> Bomower shall prompdy dischacge any lien which has priority over this SecurIry Insuument unless Borrower:(a)aSrees
<br /> nt of tht ob1J auon securcd by the lien in a manner acceptable to Lender,(b)contests in good feith the
<br /> - in writing to the paymc 8 veat the
<br /> lien by.or defends aga�nst enfovicement of tha lien in,legal procadings whicd in the Lender's optnion operxte w pre
<br /> enforcement of the lien;or(c)secures from the holder of the lien an agceement satisfactory to L.ender subordintHng the lien
<br /> .� to this 5ecurity L►strument If Lender determines that any part of the I'ropenY is subjxt to a lien which may stG�in Pdority •
<br /> ! over this Securiry Instrument,Lender may give Bomower a nodce identifying the lien. Borrower s6�11 sudsfy the lien or teke
<br /> � one or more of the acaons set forth above within 10 duys of the giving of notice.
<br /> 5� Ha�rd or property Iniuranea Borrower shall keep the unpcovements now euiadng or hereafter erected on the
<br /> � Property insureci ngainst loss by fire,hazards included within tlie teem"eatended coverage"and any other hazards,uicluding
<br /> floods or floodfng. for whicl�Lender reyuires insurance. This Insurana shaU he maintained ir�the anwants end for the
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