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<br /> • 'TOGE'TNER WITH all tho impruvomente now on c�reaftcr erxted an the property, �nd all usomente,
<br /> eppurtenancea,end tiYturea now or hereafter n part ot the property.All replacemente end edditions ahdl aleo bo c�vnrod
<br /> by thie Security lnetrument.All of the fore�oin�is referred to in this Socurity Inetrument es the"Property'
<br /> BORROWER COVENAN'I'S thet Borrower ie lewfully seised ot the estate heroby conveyod �nd hu tho right t�
<br /> grant and convey tho Pruperty end th�t tho Praperty ie unencumbered, except for encumbrances ot rocord. Borrower
<br /> werrsnta end will d�fond gener.ally the title to tho Property againet all cl�ime snd domends,eubject ta eny encumbrencea
<br /> of rocord.
<br /> THIS SECURITY IN3TRUMP.NT combines unitorm covenente for netional use and non-uniform covenente with
<br /> limited viri�tiona by jurlediction to conetitute e uniform eecurity inetrument covering r�a1 prop�rty.
<br /> UNIFORM COVENANTS.Borrower nrid I,ei�d�r covenant and agrez ae followe:
<br /> l.Payment oi Principal and Iateraat;Prep�ymaat �nd L�te Char�es. Borrowes shnll promptly pay when dun `
<br /> the principal of an.d interest on tho debt evidencod by the Note and eny prepeymant and lete chnrgcs due under the Note.
<br /> 2. Fund� for Taxcs �ad Ineurance,Subjoct to applicable lnw or to n written waiver by I.ender, Borrower ehnll
<br /> y to I.ender on tt►e day monthly paymenta aro due under tho Note,until tho Note ie psid in full,a sum ('Funds")for:
<br /> (�a) yoarly taYea nnd es�monts which may atwin priority over thie Socurity Instrument ae a lien on thoProperty; (b)
<br /> yearly ladschold payments ar ground rente on the Praperty.it any; (c) yaarly hezard or property inaurance premiume;
<br /> (d)yearly flood ineuranr,�premiume,if any; (e)yeerly mortgage insurance prcmiume, if eny; and (f)any eume pnyablo
<br /> by Borrower to Lender,in accordanco with the provisiona of paragraph 8,in lieu of the payment of mortgege ineurance
<br /> premiums.Thcso itoms are called"Fscrow Iteme."L.ender mey,et any time,collect and hold Funds in an amount not
<br /> to exceed tho maximum amount a lender for a federelly related mortgage loan may require for Borrower's escrow
<br />= accaunt under the federal Real Estate Sattlement Proccdures Act of 1974 es amemded from time to time. 12 U.S.C.
<br /> Section 2601 et seq. �"RESPA"),unl�sa another law thst a�plies to the FundA iseta a lesser amount,It so,L.snder mey,
<br /> nt any time,collect end hald Funde in nn nmount not to oxoad the lesser amount.I.ender may estimnto th�emount of
<br /> Funda due on the baeie of current data and roasonabla estimatcs oE expenditures of future Escraw Iteme or otherwiea ia
<br /> accordancn with applicable laa.
<br /> The Funds ehell be held in an inetitution whose deposite aro ineural by a taleral sgency, inetrumentality,or encity
<br /> (inr,luding L,ender,if L,ender ie euch nn inetitution)or in eny Foderel Home Loen Bank.Lender ehall tpP1y the Funde to
<br /> pay the F.scrow Iteme.I.ende: may not char�o Iiorrower for holdin�and applying tho Funds,ennwlly�ndyzin� tha
<br /> eecrow account,or verityin�tho Eecrow Iteme,unlesa I,ender p�ys Barrower interest on the Funda md�pplicable l�N
<br /> permite L,endor tn meke euch R char�e. fiowever, Lcnder may require 13orrower w p�y s one'timo char�e tor �n
<br /> indapendent real estate tax reporting service ueed by Londer in connxtion wtth thie lan,unleae�ppNc�ble I�w providee
<br /> �therwiee.Unleee�n s�rooment ie mede or app1ic�blo l�w reyuItae intereet to be p�id, Lender ehall not he required to
<br /> p�y Abrrower�ny intereet ur earnin�e on tho Funde. }3nrrower and L.cnder m�y�Zree in wrftin�,huweva,th�3 intereet
<br /> ehdl be paid on the Funds.Lender ehall �ivo to Aorrower, without ch�r�o,Rn�nnwl�ccountin�of the Pund�,showin�
<br /> credite rnd debita to the Funde�nd the purpaee for which e�ch debit to the Funde w�e m�de. The Funds�re pled�ed�e
<br /> �ddicional nxuritv tor n118ums secured by thie Security inetrument.
<br /> I[the Funds held by Lender eYCeed tho emounte permitted to ba held by�pplicable l�w,Lender alull �ccount to
<br /> $ortower for the excees Funde in accordhnce with the requiromente ot applicable laN. If tho amount of the Funde held
<br /> by Lender at�ny time ie not sufficient to pay the Eecrow Iteme when du�e,Lender may so notity Bocr4Mec in writin�,
<br /> bnd,in such case Borrower ehall pay to Lender the amount nxeaeary to mako up tho deticiency. BorroNer ehall make
<br /> up the deficiency in no more than twetve mnnthly wyments,et Lender's eole diecretion.
<br /> Upon payment in full of sll sume sxured by thie Security Instrument,l.�nder shell prornptly rofund to Bonower
<br /> any Funde held by Lender. If, under peregreph 21, Lender shall acquire or sell the Property, Lender, prior to the
<br /> ecquisition or eale of the Property,ehall epply nny Funda held by Lender et the time of acquisition or e�le�s s credit
<br /> against the sums eocured by this Socurity Instrument.
<br /> 3. Applic�tion oi P�ymeats. Unleas appliceble law provides otherwiso,ell payment� rxeived by Lander undor
<br /> paragraphe 1 nnd 2 shall be nppliod: firet,to any prepayment chergee due under the Noto;eocond,to amounts p�yable
<br /> under parngcaph 2;third,to int�rest due;fourth,to principel due;nnd laet,to any lato charges dvo under the Note.
<br /> 4. Ch�r=ea; Liene. Borrower ehall pay all texes,assesements, cherges, finea and impositione attributeble to the
<br /> Property ahich may ettain priority over thie Security Inatrument,end lcasehold payments or ground rents, if any.
<br /> Borrower ehnll pay these obligations in the menner provided ia pgragraph 2,or if not paid in that mann�r,$orrower
<br /> shall psy them on timo directly to the person owed payment,Borrower ehall promptly furnieh to Lender nll notices of
<br /> amounta to bo peid�under thie paragraph.If Borrower mekes these payments directly,Borrower sh�ll promptly turnish
<br /> to Lender reccipte evidencing the paymente.
<br /> Borrower shell promptly discharge eny lien which has priority over this Security Instrurnent unlese Borrower: (a)
<br /> agrees in wrxting to the payment of the obligation sect�red by the lien in a menner eccepteble to Lender;(b)contesta in
<br /> good faith the lien by,or defends against�ntorcement of the lien in,legal proceedinge which in the Lender's opinion
<br /> operato to prevent the enforcement of tha lien;or(c)secures from tha holder of the lien an agreement satietactory to
<br /> Lender subordinsting the lien to thie Security Inetrument.Ii L,�nder doterminea that nny pert of the Property is subject
<br />— to a lien which may attein priority over thie Security Inatrument,I.ender may give Borrower a notice identifying the
<br /> lien. Borrower ehall satisfy the lien or take ono or more of the ectione set forth above within 10 days ot tha giving of
<br />— notice.
<br /> — Frm 302{ !I!0
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