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<br /> TOG�'fHfiR�V1T�i a11 th2 imProv�nts nnw aa hereat4er eraxed on thE pmpetly.and all eaccmQnu.apPurten:inces.and _
<br /> 6uum now or he�eafter a past of the prapeaty �111 repl�oements aB� �ditians shall also tre covered by this Security _
<br /> Insuum�a��.All of the foragoing is ieferred ta in this�ECUrity lnsuuinent as tne"Fia�zty" �
<br /> �j��W��C�Y�;:AT3Tw t�t E�m��er is lawfelly seised of the esmte hQSeby oonveyed mtd has the right to�tant sud C�
<br /> aonvey the Property aasl that the Frcperty is urtectcum�cre�.eAcept for encumbrances of record. Borrower waminnts acid eviil a
<br /> d.fend�eaerally the tide to the Froge�ty ugainst al1 claims and dem�ds,subject eo uny encum�rar�ses of r�rrd. �
<br /> TIdIS SECUATfY INS1'R13NiENT combines uniform covenants far�arional�e an�non-uniform covenan�s�vith linute� �
<br /> vari�ions hy jurisdictioa to canstituee a ur�ifu3m sr,�xiry instrument coverin��al property. •
<br /> UNIFOR1Vi COVENANTS.Borrower rstd Lender oovenant un�agr�as fallo�vs:
<br /> t. �y��t o!Prladgal aa�dnse�s� 1�rePaYmerat an� Late C�arges. BBrro.�er sl�1! pramptlY Pay wheai due the Q? --
<br /> prinrigal af un�intemst on thE debt evidena�d by the Nate tutd anY Preg�ym2�►t aitd late charges duE un�er the 1+Iote.
<br /> Z, �uads Por Ta�es aad Iasurance.Subl�c to nppiicable taw or to a written waiver by Lender.Sarrotv�r sh.all g�y to
<br /> t,erxte:an the day►�msuBSY FaY��xs aee due s�der tke PIate.until the Note is paid in fuU.a sa�m t"Fua�s°)for: (a)Yearly tai¢es �
<br /> �s1 as�ess�nents�rhicd may attain prioriry over this Seturity Instru�ent as a lien on the PrupertY: (b)Y�srly 1$asehold payntents
<br /> or�rourtd rents on th2 Property.if Bny:(c)Yearly h��rd or pmpe�ty insuraIISe piemiums:(d)YeaT1Y flaod insuranoe premiums.
<br /> if any:(e)year�y nsortgag•:uuura.rtce premiums,if any;ar�(fl�S+��FaYahle by Borrotver to i.ender,in txocordance witb
<br /> tlie provisians of pasagmpS�8.in lieu of the�sayment of retortgaoe insumasce prxauums.'Chese ite�s are called"Escrow Ite�."
<br /> (,�nder may. at any 6me.oollect and hoid Funds in an amnunt n�i to exoeed the maxim�.un umount a leudes for a fe�.eia7ly
<br /> telat�rcortgage la�a ma��uire for Banovler's escmw acoauns uader th�federa! Real fEstate SeW�t P�noadures Act of
<br /> 1974 as amended fru�r tim:to t+me.12 U.S.C.�tion 2601 et seq.("Y��PA").unless suatl�ss lavr that upplias w the F�ads
<br /> s�s u Iesser aaiaucR.�1F so, Lender may.at any tiffie, coliect aad hald�ru.-�!s in an amQans rtot to exeeed tha Lesser antormi.
<br /> p.,ender may estimate the amount af Fands due on ths 6asis of current data and reasonafs=e esun�tes of expeIIdinu�s o£future
<br /> Fscro* Items ar aiherwise in accoidaace vrit6 a�plicabie law.
<br /> The Fnnds sl�l€ be hetd 'm an insdtutian w4sosc Qepasits ars +nsuied by a federal agerecy. uistmmentaiity, cr entity
<br /> Finrluding Lend$r,if Leader is such an instituti�)or in any Federal Hoiue Iaan Bank.L�dQC st�al!a�*;�y th�Fun�s W pay the
<br /> Escrow IE�s.i.ender may not ch�rge Bonnwer for holding aa�applying the Funds.�a11y analY�ng tt�es�r°w aoe°vni,or
<br /> verifyin�the Escrow Items.�nles��der pays Bo�wer intESest an the F�nds and applicabl�law permiu l.eude�to ma4ce�ch
<br /> a char;e.However.l�ee may r�uire Somnwer to pay a a�charge for an ind���1 estate tax repo�tinB s�ice
<br /> used 6y L�ender in conneciion with this loan. unless aPPlic-able law pmvides oihenvise. Un!ess an apeeas2.zt is m�de or
<br /> apt.+licable iaw mx{uires inierzst to 6e paid.Lender shall noE 6e r�uired to pay Bomnaer any inL�rest or eamings on the Funds.
<br /> Bomncver and L�eader may agree in writiag. haarever.that interest shaU be paid on the Fun�ls. �rr shall give m Boa�wEr.
<br /> withaut charge. an annual aocountins of the Fuads.showing crzdits a�cd debits to the Fun�az�d the P�se for which each
<br /> debit to the Funds was made.l'f�Funds are pled$ed as additional security far all sums s�ruted by this Security Inst�ent.
<br /> If the Funds 6eld by L.e�'xz eacceed the amauius Permitted to be held by applirable law,Lender shall ncoanat co Bomo�Er
<br /> for the excess F�in acco 'nce w►th the�qu're�s of applicable law.If the amnunt of th�Fu�a h.2d by Lender at anJi
<br /> time is not sufficient t�pay t�� -�.��crow Items when due.Lender may so Rotify Borrawer in writing,:�x4.in su�h case Borsew�r
<br /> shall.Fay to I.�nder tt:e arr.�s.r':�sa�Y to make up the deficie�cy. B.orro�er shail�-.a7;�up W:d.fic%�cy in no mnra thnn
<br /> tw�:Iv�monthlY PaYments.ut E�'6 sole di�cretioa
<br /> iJpon payment in fuq of�.ii sums secured by this 3a�rity Inswmsnt, Len�er shall pmm?�ly refund to Borcower any
<br /> � Fw-^.�s ije?d by HxnCes.If.under paragraph 21.Lender shall acquire or seU the Prapzrty, L.ender,priQ=tfl t�ar9u�sitioa or�1e
<br /> of the Propertg+,shaU app1Y anY Fands held by L�ender at the ti�of aoquisidon or sale a3 a�adit u?�:t thZ sums secur�by
<br /> this�ecurity IIIStniment.
<br /> 3.Appllation�f F�y�t�ts.Unless applicabl$law provid2�:olherwise,ail Qaymeta�s rarxived by I.Ender und�e��sapaphQ
<br /> 1 and 2 shall be applied:first,to any prepayment charges due under the Note:seoond,to amounts payable under�s.�gaph 2:
<br /> tttird,to interest due;fovrth.to principal due:and last.to any laze charges due under the Note.
<br /> 4.Chai'ges:Llens.Borrower shall pay all taxes.assessments,charges.fines anQ impositions�c'�ibntable to th�Property
<br /> which may attain priority over ehis Security Instrumens, and leasehold payments or grauud mnts. if amy. Bor�+dwer shall pay
<br /> tfi�'r c�bi:gations in the manner�r.tiv�ded in puagraph 2,or if aot paid in that manr�er.l�motiver shall psy them on ti[ne dirzctl j
<br /> to tlu:pressan owed paym:nt.Ba:tower shaU prompily fumish to Lender all nouces of a�r.1<r_ts to be paid under this para�h.
<br /> If Barrower in�1���.�ese payments direccly.Borrower shall promptty fumish to Y.ender r�cei�ts ev:d�esi�3 tt►e PaYments.
<br /> Bomnwc��siudl'promptty discharge any lien which has priority over t?t::�Securaty Irrtrument ur��,r�.�?orrower.(a)agrzes in
<br /> writin�to trie pay:'nent of the obligation sezuted by the lien��a mannea aca�tabie to I.ende�;(b)cont�'as in good fadth the lien
<br /> by, o:defends agaiasi enforcement of the lien in. le�al �Srrsceedings which in the Lender's opinifln operate to prevent ttce
<br /> enfc�r�ent og the lien;or(c)secures from the holder of Uic ti�:n un aSreement satisftxiory to I.etid�r subordittatirrg tha lien to
<br /> this Security ln;�.-umen�If L.endei determine�t�+ai any p4rt�S'ehe Pro,*�enS+is subjPCt to a lien whizh may attnin priority o�er
<br /> this Serurity I�;tn.:ment,Lender may$ive�arn;�:�er a norioe identifyin4i�i.e lie��.Borrawer shall�.�s:`�f'y the lien or tafce one or
<br /> �rwre cf the actiors sei forth above within 10 oay�of the gtc-i�g.of aotin:.
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