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<br /> 7�OCi$7��R W��Il I�O iA�tqyl►af belOiROf OTOCfOd oll lllo pfO�Of[y��YI �e�10111��,� •
<br /> Mld/IiM1�M IIOW Of f111�i{�t O�lht�. l�lu 1'O��IWII�Mfit)Nt��Utl���� �i
<br /> Tp�lliqllal�. Al�0�iQ0�OIOtOIK�11��fI0d ID ul •�Op11�lY�111111111101M�t 1�10"PIO�yN
<br /> BQRItOW�t COVBNA[�1'S that Bartowar i�I�wfWly sei�ed of tho auue harebY conveyed�nd hiu tha d4ht�o�rant
<br /> �nd caave ihe �nd dut d�a Propnty ie unencumberod,axcapt for encumb�nce�of rocord. Barrower wart�nt��nd
<br /> wW detae�d��thle to the Property�inu�11 cldm��nd deaw�d�,wbject to�ny oncumbnu�oo�oi rocard.
<br /> THtS SB�C[IRITY INSIRUMRNT aombines uniform coven�nu fa natlanal uie and nomunifam covan�nu with
<br /> ��ed��riWons by juri�iction to co�ul�tute a uniform�xu�ity instrument coverina rcu propetly. --
<br /> �pp�y Cp�►gN�NTg. Borrowee ud l.ender cova��nt and a�nee u tollowr. whan dun Ihe
<br /> 1. Payta�nt ot Pr4iciP�1�ud I�terati proMY�t�ad Late Ch�a. Bottowar ah�ll praimM�Y WY
<br /> �ot�ad intcrast an the dcbt cvidet�ced by Ihe[Votc and enY PKWYment and i�te chnrges due under 1he Note.
<br /> �y�(�1l���d Iaa�ance. Subjxt to�pplicAblo law or to�wrltten wuver by Lender.Bo�mwcr shdl p�y to
<br /> ����y montbly pwyrnenta wre duo utider tho Note.untfl thc Nac is paid in full,a eum("i�nd�")for.(A)yeuly
<br /> uxea n��sse�menu which aa�ty ottain Pdority over Wis Security lnsltument ac a Ik�on�he Pr�perty:(b)Yeuly leruehold
<br /> WY� a ��rant an tl�e PropeitY•if r�ny; lc) YeulY h�u,ard ar property inwranca pr+emiume� (d) yearly flood
<br /> iasu�moe premiwms.if�ny:(e)Yeuiy matWiB�inswa�� P�iuma,if any: And(� an9 �a PpYable by Bomower to
<br /> �����C wlth the povislons oi p�u�gr�ph 8,in lieu af tthee p�yment of moRgage insurance{�emiums. 7Lese
<br /> items�u�e c�lled"Esetaw Items." Lender may,at Any tirtrc�rnlkct�nd hold Funds in en umount nw to eaceed lhe maximum
<br /> �mount A lender for a federally Rlaad mongage loan m�y requiro far Ra�uwer�s escrow account under�he federal Real
<br /> Ipw tt�t appl��se�s�lesseramoun��n�lc-�may at uny cime.cdlx�t aad Shdd�wH�ndsPn„an amount�noth o
<br /> excr�l�he lecce��wu�. l.ecnde�' may esdmate the s�mount of timcic due on the ba•.�s of cument dala snd reu�ble
<br /> aitim�tea of oxpenditunea of futun Escraw[tems or otherwise in accondeace with applica�k law.
<br /> 'ltie Funds shall be held in an inatitudom whoso deposits are insured by a federAl aRency. instrumentality,or entity
<br /> (including l.ender,if l.ender is such an instimaan)or in uny Federal Home l.oan Bank. [.ender shall epply the Funds to pay
<br /> the �scrow Items. Lender may not char8e Borrower for holding and applying the FY�nds, annually annlYzing the escrow
<br /> accr�nt, or verifying the Fscrc�w Items. unkss l.ender pays Borrower interest on thc �unds and applicAble law pertnits
<br /> Leraclet w make such a charge. However,l.ender may reqairo Borrower to pay a one-time charge for an indepen�lenl resil
<br /> estate tax neporting service used by l.ender in c�onnecdon with Ihls loan,unless applicable law provides otherwise. l)r�l�ss an
<br /> ng�nent is made or applicaWe low requires ir�terest ta be paid.L.endor shall�ot be required w pay Borrower any interest or
<br /> ecuainge on the PWnds• Borrowe�and Lend�r mAy agree in wrfdng.however.that intcrest shell be paid on�he Funds. I..ender
<br /> purpo e fa wl�iich exh debit to the�eFknds wac m�dB 'i'he Fu�ndshare pledged as jadd�tia�a�l saurity for�all sumsn ecur d by
<br /> thi�5ccurity Insdumen�
<br /> !f the PUnde heid by I.ender ea��i t� amatmt� persntticd to Ix ixld by app!lcab!=Inw, Lender chail account to
<br /> Bormwer for the eacess Funds in accotdance�vi�h the requ�rements of a�plicable law. If the unoun�ot the FYinds hald by
<br /> Lender at any dme ia rwt sufticirnt to pay 1he Escrow Items when due,Lender may so notify Borro�ti-�r in writing.and.in
<br /> sucf+case Borrower shall ppy to Lender Ihe amount neccss� to meke up the deficiency. Borrower shall make up the
<br /> �f iciency In no moro thon twelve monlhly payments.at�.ender sole discretion.
<br /> Upon payment in full of all surns secured by this Securiry Instrument.L.ender shall prompdy nefund to Barrower any
<br /> eale of thle Pro�n�h�e dl r an�F�nds held by Lender atihe time of acquirsit on or sak as a�credit gaina uithc sums
<br /> �m�• �y
<br /> secured by this Security Inswment.
<br /> a� �Pa��on ot p�ymeots. Unless applicable law provides otherwise, all paymeMS received by Le AbJe under
<br /> P�rAgrnpt�:� and 2 shall be opplied: fi�rst,to any prepayment charges due under the Note;seaond.to amounts pc�y
<br /> peragriph 2;thi�d,to inurest due:fourth.to principal due;and last,to any late cherges due under the Note.
<br /> 4. Chsu^�es; Lieas. Bo�rower shall ptiy all tuxes, assessments, charges, Mes and impasidons attributable to the
<br /> property which may attain prioriry over this Secu�lty Inswment,and leasehold payments or gound rents,if�ny. Horrower
<br /> sha��pAy lhese oblig�ttons in the manner provided in paragraph 2,or lf na paid in that manner,Borrower shul!puy ihem on
<br /> time directly to ttie person owed payment. Borrower sh�l1 promptly fumish to Lender all notices of omounls to be puid under
<br /> tP�is paragreph. If Borrower makes these payments directly. Borrower shall promptly furnish to Lender reeeipts evidencing
<br /> the payments.
<br /> Borrower shall promptly discharge any lien which has priority over this Securiry Inswment unless Bomower:(a)agrees
<br />- in wridng to the payment of Ihe oblig�t�on secured by Ihe lien In a munner accaptable to Lender,(b)contests in gaod faith the
<br /> lien by,or defends against enforcement of the Ilen in,legal proceeciings which in the Lender's opinion operate to prevent the _
<br /> enff�rcemant of the Iicn;or(c)saures from the holder of the lien an agreement satisf:�cc►ry to Lender subordinating�he lien
<br /> ta this Security Instrument. If I.ender determines that any prn of the Propeny is subjec►�o a lien which may Atl�in prlority
<br />- dver ihis Security Inatrument,Lender may give Horrower a no�ice identifying the lien. Botrower shali satisfy the lier�or take
<br />- one or ma�e of the acttons sd fath above within 10 days of the giving of nouce.
<br /> S. H�ard or Property Insuronce. Bvrrower shall keep the improvements now exis�ing or herea(ter erected on ihe
<br /> Property insured ugainst loss by fire,huzards included wilhin the term"extcnded covernge"and uny other hAZ�rds,including
<br /> fl�or flooding.for which Lender reyuires insurance. This insutunce sl�all be maintained in the amounts and for ihe
<br />_ Form J02s 9/96 �lwRe 1 oj o paRtt► `
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