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<br /> ToaBnraR wrrH a!�u�e improvetne�t.now or 1�ra.ner eroctaa aa the property�.na�I�ea�aem�.�ppuAa�noe��.oa
<br /> A� Now ar hqro�alter • p�rt of tho ptq�e�tY• All rcpl�ctiniait� �nd uddilla�x ihall alw b� oovKed by Ihi� Sa�eity
<br /> Le�t�wneat.All ot tbe torojoln�io re;prtod w in U�ls Seourlty IrwNma�t��he"PrnpatY."
<br /> lOIRROWBR OOViIlVAMI'3 thM Hono�i� I�wlWly�eired ot the atMe hdroby uonvsyed�ad hoi the ri�Nt to pant�d
<br /> oonvey the Ptopa'ty�u�d IhM�he Pmnetty i�unaia�mbei+ed�eucept far aaa�mbtu�e�of record. 8onower wrrnuM��pd wW
<br /> d�'pid Yener�lly the Ifde ta the Proporty�inct�II cidrrr and de,�trwsd��wbJacl to�ny cncumbnnoa of roco�d.
<br /> THi3 SBCURITY 1NS7RUM�MT oombines uniform wvenUtu for natloiu!ur�e�d t�n-uaiionn aovp�nq with Umited
<br /> vitiMlont by juridictfon w caWlwte a uaifonn�ecudty instrumant oovcrin�ra!pmperty.
<br /> UMFORM COVENAiVT'S.Borma�er a�x! l�ender cbvenent ancl agnx e+�fnllown:
<br /> l. P�ymaM at PNocipd �nd L�tenNi �i'�� �C�ia. Borrowcr�iull P��Y WY when due tbe
<br /> principal of�nd Intercst an the debt avldenced by the Noto and any p�yment w�d luo ch�r�ea duo under the Ndo.
<br /> 2. I+�nds for Tua aud la�unaoe. Subjact to�pplicrblo I�w or to a writtan waivcr by Lender. Borrower ahpll pwy to
<br /> L,emkr on tha d�y monthly payme�tt�are duo undor tho Note.u�tll�he Note is p�id in Ibll.A sum('Fund�')for:(a)yarly tuca
<br /> arad�w.,auwc►aa wfikh may anain prioriry ovcr this 3ccurity Instrumcnt as a ttcn an thc Property:(b)Yr.+uly 1r.�rr3�uiJ pwy���cnt�
<br /> wr�ro�md�ots ow th�e 1'roperty.if ony:(c)yeiurly l�rd or property irtsurir�oe pceaaiums:(d) Yeuly flood inwranoe premiunu,
<br /> if aqy:tel Y�Y�incuraace prem�uo�s*ii'a�:and(f�awp'a�anos PwPable�r Boaower ta Lende�. in accord�noe wltA
<br /> 16o pro�isim�of ParaB�aph 8,in tie�of tl.�pa�ren�nt a6 aov�t��ge�ut�ance p�cm�iwms.'I'hese items a�e called"FscroW haus.'
<br /> L�aaider�qy. at�ny time, oollect and hoW F¢ode ia�n ars�oun not to eacoed the�uaxirewn�e�aoount A krdcr for a fodnal�r
<br /> rc+iraod martgago laaa may roquim for Borrower's escmw�rcoount under�he federal Ra� Esrate Settiement Procxdu�es Act d'
<br /> 1974 ut�mended from time to time. 12 U.9.C. Soctlan 2601 et seq. ('RESPA").unkss aoother ta�r tBat applies to the Funda
<br /> ��lescer amount. If ca. l.ender nwy. at any time, wlloet nnd hold Funds in an Amount not oo eaoeed 1he lexsu amount.
<br /> Lender mey eufmate the wuount of Funde due an tha lwsis of current J�t�and r�anable esuinwtec of expenditures of futura
<br /> Rsorow Itans or wl�erwlse in�ocordanoe wilh appliaable I�w.
<br /> The Furrla stwll be held in an insNtution whose deposits an insurod by a fe�cral agency, instrumcntality, or entity
<br /> (including I.oaler. fE I�.endar ia such a�t insHtution)ar In any Federal Home Loen Bank.l.ender shall apply the Funds to pay the
<br /> Hscrow Itans.Lender may nat chwrge Borrower��r holding wid rpplying the Funds.annually anulyzing the escrow aocount.or
<br /> verlfying ihe Escrow ltemc.unlcss I.cndcr paya Hamawer interest on tha Funds wid npplicaMc law permits L.cnder to make such
<br /> a charge.However.l.ender may rcqui�c Barrower to pay a ane-time charge for an indepBr�de�tt rcal estete tan r�eporting scrvicc
<br /> used b� I.Gnder ln rnnt�octian wilh this loan. unless eppUcable law provides otherwise. Unless an agroement is made ot
<br /> �ppNatble law requlrec inter�est to bo paid.l.cnder siwll not be requi�ed ta pay Borrower any intercst or eamings on the�unds.
<br /> Bormwu and Lender may agr�ee in wriling,however,ttwt iMerest ahall be paid an the Funds. I.ender shall glve to 8ormwer,
<br /> without char�r,an �nnual x�unting of the Funds. showing credits and debits to the Funds and the purpose for which each
<br /> de3�ii ia d�•�utriu vv�u�d�rk.7'iw Fwkir�a piea�ge.i tu additional sccurity for a!!sussu stcura!by this Stasrity lasttu�cai.
<br /> If the T�unds held by Lender eaooed the amaunts permitted to be held by applicable law, I.ender shall account to Borrawer
<br /> for the eaccess Funds in accordance with the requirements of applicable law. If the a�nuunt of Ihe Funds held by Lender at any
<br /> time is na sufficient to pay the Escrt►w Items wi�an due.Lender may ro notify Borrower in writing.and.in such case Burrower
<br /> shall pay to l.ender Ihe amount neccssury to make up the deflciency. Borrower shall meke up the deficiency in no more then
<br /> twelve monihly payments,at I.ender's solc dircretion. •
<br /> Upon payment in full of all sums sccured by this Security Instrutnent, L.ender shell promptly r�ef�nd to Borrower eny
<br /> Runds held by I.ender. If,under paragrnph 21,I.ender shnll ucqui�e or sell the Property,I.ender.pr�or to the acquisition or sale
<br /> af the Property.shall apply any Funds h61d by I.ender a�th�tfine of acquisitian or sale os e crodit against the sums secured by
<br /> Ihia Secudty Instrument.
<br /> 3.ApplMatlon ot Pnyments.Unless applicable law provides o�herwise, all payments rec�Ivod by Lencler under puragrephs
<br /> 1 and 2 shall be Applied: firat,to nny prepaymen�churgcg due under the Note;r�econd,to umounta peyable uncle�pa�agraph 2;
<br /> third,to lntcrest due;fourth,to p�lncipal due:and last,to ony lotc charges due under the Note.
<br /> 4. Cbargesi Lleos. Borrower shall pay all �axes,assessments, charges, tines and impositions utttibuwble to the Property -
<br /> whicb may attain priority over this Sucurity Inslrurnent,and leasehold paymenis or grouod renls, if any. Bormwer shall pay
<br /> these obligatians in Ihe msnner providal in purngroph 2,or if n�n paid in that munncr,Son•awer�hull pay them on time dircctly
<br /> tn the perwn owed paymcnt. Bnrrower shull promptly Pumish to l.ender all notices of amounis to be paid under this parugraph.
<br /> If Borrower makes these payments directly,Borrower shull promptly furni�h tn L.ender receiptv evidencing the payments.
<br /> Borrower siwll promptly dir,chnrge any lien which ha�priority over this Sezurity Instrument uniess Borrower:fA)ngrees in
<br /> writing to the p�yment of the nbligation securecl by the lien in u mnnner ncceptahle to I.erxler: (b)contesls in gaod fuilh Ihe lien
<br /> by, or defends against enfbrcement af the lien in. legal pmceedingti which in �he Lender's npinion operate tn prevent the
<br /> enforcement of the lien;or(r)secures fmm�he hnider of the lien un ugreemen�xu�isfuctory to LenJer subutdinuting the lien to
<br /> this Securny Instrument. If Lender determines tha� :ury part ol tlic Pr��perty i�qubjech t��a lien whirh muy atluin pricxily over
<br /> this Sixurlty Instrument. Lender nwy givc Bc►nower u n�Nirc idrn�ifyinF thc lirn. At�t�ower shall wtisi'y the lien or take one or
<br /> more of the actions set tonh a6ove within 10 duys n0'the giving uf mnice. -
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