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<br />�`^'TM�R� 'I'D�lBTH6Ct WITM atl thc impmvcmcn��naw an c�reaf►cr crcctccl an thc pmperty,nn all ca�cmcn 9, urtcnancc+,and
<br /> ��.r��;�� Gxturc.v now an c�rcufu;r n part of ihc prapeny.All rcpleccmenGg and uddiUons c+hull aka bc cavcrcd by lhis Sccurlty Instrumcnt.
<br />.:�:,,�,b.,�,, AI!o(ti�cfaregatng is rcfcn�cd ta in this Sccuri�y Insuumcnt aq thc"Praperty:'
<br />, : .�� BORROWBR COVSNANT5 Ihat Boaowcr is lawfully sciscd of thc estetc hereby convcycd and hus tha rlght to granl and
<br /> �~'y r�-�-ti
<br /> �,- convcy tho Property and that tho Properry i9 uneneumbered,except for encumbrnnces of recard. Harrower wnnant�and will
<br />�`•°`�'���� � - def��d genereUy thr,dqe to the Propecty agalnstall claims and demanda.subject w any encumbrancc.9 of record.
<br />`s-�.�'�-- �'aS aE��i 1Ti fI'�u'I�j3iv`�i�T CAiiiuGicS Ulita` �u► CdSV�i7Htiia fGP i�&i30T3t it��u'�uud•tiiil�iiuil 1:uvGntut't�t wiih IimllCd
<br /> �'```�`��� vnrniauor�s by jurlscilction t�cons6tute a uniform securlty instrumcnt covedng rcal property. _
<br />- '��•�"-'-'3 UNlFORM COVfiNANTS.Horrowec and Lcndu covenant tu�d agree av follows: -
<br /> 1���� 1,Pnyment of PrincipAl and Interestt�'ep�yment And Late Charqe�. Borrowcr shell promptly pay when duc the
<br /> .��� prinapal of and interest on the debt evldenced by the IJote and eny prepayment and late charges due under the Note.
<br /> 2.F'uads tor TAxq and Inaurjtnce. SubJect W applicable law or to a wr(tten waiver by Lender.Borrower shall pay to
<br /> v��;.,�_�� Lendcr on the day monthly payments arc duc under thc Nota,untll thc Notc is paid in full,a sum("Funds")for.(a)ycxrly texes
<br />` �`_ .�� and asscssments which may attain priority ovcr this Securlty Instrument as a lien on the Prnperty;(b)Yearly leasehold payments
<br />--:r'•h�er r1
<br /> =��i:�:� or ground rents on the Propeity,if any; (c)yearly hezard or property fisurancc prcmiums;(d)yeacly flood insurance premiums.if
<br /> _-_=--_ any;(e) yesuly mortgage insurance premiums,if any; and (�any sums payable by Borrower to L.ender,in accordance with the
<br /> -°_°� provisions of paragraph 8, In lieu of tho payment of mortgage insurance premiums. 'Ihese items are caUed "Bscrow Items."
<br /> =�-�R'� Lender may.at any time.collect aad hold Funds in an amount not to exceed the mmcimum amount a Zender far a federally related
<br /> ��'����"� mongage loan may requira for Borrower's escrow a.ccount under the federal Real Estate Seulement Procedures Act of 1974 as
<br /> Y��„=�� amended trom time to dme,12 U.S.C.Secdon 2601 et seq. ("RESPA"),unless anothcr law that applies to the Funds sets a lesser
<br /> �� — aman� 1f so.Lender may,at any time,collect and hold Funds in an amount not to exceed the lesser amoun� Lender may
<br />�-�s� estimete Ihe amount of Funds dua on the basis of current dais and reasonable esdmat�s of expenditures of fuwre Bscrnw Items or
<br /> othernise in eccordance wlth appHcable law.
<br /> -��`���a� '�e Funds shall ba held in en insfltudon whose deposits are insured by a fedecal agency,instrumentaliry,or enHty(ineluding
<br /> _ _"���
<br /> Lender. lf L.ender is such an institudon)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the Escrow
<br /> a�`T.,,._.� Iterns,I..ender may not charge Borrower for holding and applying the Funds,annuelly analyzing the escrow account,or verlfying
<br /> "'°" the Bscrow Items,unless Lender pays Borcower interest on the Funds and applicable law permits L.ender w make such a charge.
<br /> --= - However,L.ender may require Borrower to pay a one-dme cherge for an independent mai estate tax reporting scrvice used by
<br /> rn� Lender in connecdon with this loan,unless applicable law provides otherwise.Unless an agreement is made or applicable law
<br /> ____ nquires interest to be paid,L.ender shall noi be required to pay Borrower any interest or earnings on the F�wds.Borrower and
<br /> I,ender may agree in writing,howevcr. thet interest shall be paid on the Funds.Lender shaU give to Borrower.without charge.an
<br /> - annuel accaunting of the Funds,showing credits and debits to the Funds and the purpose for which eaah debit to the Funds was
<br /> ---�--. made,The Funds ere pledged as addidonal secur[ty for all sums secured by this security insuvmen[.
<br /> - If the Funds held by Lender excced the amounts pem►iued to be held by nppHcable law,Lender shail account co Bormwu for
<br /> the excess Funds in accordance with the nquirements of appllcable law.If the amount of the Funds held by L,ender at any time is
<br /> not auffictent to pay the Escrow Items when due.Lender may so noqfy Bornowcr in wrlting,and,in such cate Horrower s6all pay
<br /> to I.enda tha amount nocessary w make up U�e deficiency. Bocrowu shaU make up tho de�iciency Ia no more than twelve
<br /> modhly paymenYS,at Lendu's sole discretion.
<br /> Upon payment in foll of all suma secured by this Socurlty Instniment.L.ender shall prompdy cefund to Borrowu any Fu��ds
<br /> held by Lendu.If,under paragreph 21.Lendu shaU acquire or sell tha Peopetty,Lender,prlor to the acquisidon or sale of the
<br /> � Propaty,RhaU apply eny Funds held �y L.ender at the dme of acquisidon or sele as a credit agatnst tba sums securcd by this
<br /> Socwity InstrumenG
<br /> J.Applicatioa ot Paymen�. Unless applicabla law provldcs otherwise.all payments received by Lendu under paragrephs
<br /> 1 and 2 ahall Ue applied: fust,oo any prepayment chargcs due under the Noto;scx.�nd.w amounts payebb undu para�raph 2;
<br /> third,to interest due;fourlh,to princlpal duc:and last,w eny late charges due undcr the Note.
<br /> /.C6arges;Lieat. Borrowu shall pay all taues,assessments. charges, fines and imposidons auributable to the Property
<br /> which may attain prioriry ovu this Sec�uity Insuument,and leasehold payments or ground rents,If any.Borrower st�all pay these
<br /> obligetions in the manner provlde�in paregr�aph 2,or if not paid in that manner,Bon�owu shall pay them on ame dircctly to the
<br /> person owed paymen� Borrower shall promptly fumish to Lender all nodces of amounts to be paid under this pnregrsph. If
<br /> Botrower makes these payments directly.Bo:rower ahall prompdy fnrnish to Lender receipts evidencing the nayments.
<br /> Borrowcr shall promptly discharge any llen whtch has prlority ovcr this SeciulRy Insuument unless Borrower. (a)agroes in
<br /> wridng W the payment of the obligaaon secured by the uen in a manner acceptable W I,ender.(b)contes�in good faith tho lien
<br /> ---�--= by.or dcfends against enforcement of Ihe Gen in, lcgal proceedings which in the Lender's opinion operate to prevent the
<br /> �� enfacement of the Gen;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinadng the Hen w
<br /> --�__��� this Secudty Insmimen�If I.cnder determines that any part of the Property is subject to a lien which may attaiti priorfry over this
<br /> �Ty"``"'�'�� Scxurity Instrument,Lender may give Barower a notice identifying the lien.Borrower shall sadsfy the den or take one or more
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<br />-_'=�'_���� of t�e acdons set forth above within 10 days of the giving of norice.
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