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<br /> , �rooaTN�fe v+rm�v�we i�mvema�u aow a h.ra.n�r aec�ea an rne p��pmty.�wa.0 ea�aneat.,app�n�aCa,
<br /> aM tiuq�na aow or h�na�tet a qR of tMe piop�aty. Ail ��nd ddiNaas�IWI dw be oovud by this S�wit,yr
<br /> tnwwnad. AI�or the rareQoin��t refarnca w ln ws sea�rity rmwir�ap a.the°Hropercy.°
<br /> BORROWBR G�VENANTS th�t Borrowar ia l�wfeiliy�eifad of tito eshte her�eby ronveyed and hiu the right w�nt
<br /> �nd convey NeP�p�ty and tluu Ihe(hnpeny ia unencum6erod,oxcept for encumbr�nces of rocorcl. Borrower wamnt�and
<br /> wlp detaxl�enerdiy die dtle to the P�uperty aQainu all cl�inu�nd dern�wds.wbject w�ny a�cumb�nces of rocqd.
<br /> THt3 SF.CiJRITX 1NSIRUMENT combines unifam covananu for nat�on�! use wnd non-unitorm cova�sntr with
<br /> !. —� limioed vari�tfans by,iuri�dicdon ro caut�tuu a uniform�uity iuul�ument coverb��e�l property,
<br /> UNI�O�RI►�G�OVBDiAM'S. Bamower u�d Lender coven�nt�pd a�ee a followa:
<br /> 1. !"aijn�eat ot iMaclpai aad Irtsf+ati Prep�7u�eat apd L�te Ch�r�a. Borrower ahalt prompdy p�y when due the
<br /> princi af�nd interost on tha debt evidenced by the Note pnd any pnp�yrncnt�nd lue chugea due under tha Notc.
<br /> ��ads(br 71ua�d Inournnca SubJoct to applkAbM I�w�nr to a written w�iver by Lender.Bomower sh�ll pny to
<br /> Lender on the d�y monWy p�ymenis nro due under�he Nate.undl the Notc is paid in fLll.a sum("Funds")for(a)ycarly
<br /> taxea and useasmenw which m�y attain pdority over thfa Security Inawrnent as a Nen on tha Properly:lb)ycarly ie�wd�old �
<br /> r�ymwits or ground ants an the Pmperty. if any: (c) Yeuly h�zard or property insuranoe p�pai�►s; (d) YeadY Oood
<br /> uurance p�ums. if any;(e)yearly mortgago insunnce premiuma,if any; and (� aqy awas QayA`b1¢ by &xrower to
<br /> Lender�lo acco�dance wlth the provisions of parngrnph 8.in lieu of 1he payment of mo�tgage it�+bxAr�ee premiwns. 7lieso
<br /> items Aro called"Escrow Items." Lender may.at ony Nme,collect and hold Funds fn en�a�ouat n4t to eaceed the m��tnum
<br /> anw�u�t a lender for a fakrAlly relatod mort�age Ic�an may requim for Bamnwerlc escrow Actaunt under the C��eri►1 Real
<br /> E.gt�to Settlement�mcedu�s Act of 1974 as amended from dme to t�me,l2 U.S.C.�260t et seq.("RESPA"),unless unother
<br /> I�w thu applfes to the Plmds sets a lesser amount. If so,Lender may.at aeiy dme.collect pnd hold f-la�ds in an amoupt noi to
<br /> cxcecd ttw Icsse�r �aiouat. l.rnd¢r may csdmatc thc amaunt of F�r�ls duc cn th�:basis of cumca data pnd maso�►blc
<br /> e�tbnates oi expeocticures nS future Fscrow Items or odkrwise in accotde�x�e with applicabk law.
<br /> - '11ie F�nds slwill be de3d in an institudon whose deposits am insured by a feder�l agency, instrwmentuqity, ar entity
<br /> (including i.ender.ii Lender is such an institution)or in any Feder�l Hwnc Loan Bw�k. Lende�sha10 ap�ly the Punds ta pay
<br /> — �e F.scrow Itenss.. Lxnder may rwt charge Borrower ior holding and applying the RincJs,annua�l}•ur�lyzing the escrow
<br /> account,or re�ifying the Escrow 11ems, unlcss Lender pays Bortower inter�est on the Funda and Applicable law permits
<br /> L.et�ier to mal:r such a cherge. However,l.ender may r�e.qui�Horrower to pay a one-time chatge'ior an independent real
<br /> estua!wc reparting service used by Lender in connectioa with this loan,unless applicable law pruvidcs otherwise. Unless an
<br /> •gtr+e�.iraent ia mmde or applicable law requires interest to be paid,Lender shall not be requirCd ta pay Bbtrower eny in�erest or
<br />� cxPnings on the Pbnds. Barrower and Lxnder may agrce in wridng,howe��er,that inte�esi shall be paid on the Flmds. L.ender
<br /> -. sh�ll.give to Borrower,without chuge.un an�ual accaunting of the FLnds,showing c�dits and debits to the Flmds und the
<br /> - purpnse for which each debit to 1he Wnds woa made. The Pbnds ue ptedg.d as additional security for all sums secured by
<br />___ — thi�Security Instrument.
<br />- � if�he Funds heid by Lender exceed �he amounts permined to be �3d by a}�pl�cable law. Lender sheii account to
<br />,=��-�;� Brnrower for the excess bluids in accordance wilh the requirements of AppHcable I�w. Ii the amount of th�FLnds held by
<br /> :; �;r;�,� l..ender at any time is not sufficient to pay the Escrow Items when due,l.cnder may�o notlfy Borrower in writing,und.in
<br />-• '���'� such case Bomower azhell pay to Lender the amount necessary to make up the deficiency. Homower ahall make up the
<br /> �` deficiency in no more than twelve monthly payments.at Lenderk sole discretion.
<br /> - Upon payment in full of all sums secured by this Security Instrume�ot,Lender shall promptly refund to 6orrower eny
<br /> Funds held by LerKier. If,under pamp�raph 21,l.ender shall acqui�or r,�ll the Propeny.Lender,prior to the ucquisition or
<br /> safe of the Property,shall apply uny Funds held by I.ender at the time of acquisiUon or sale as a credit against the sums
<br /> . secured by this Securiry Instrumen�.
<br />- . 3. Applieatbn of P�ymeofs. Unl�ss applicablc law provides othenvfse. �11 payments received by l.ender under -
<br /> — psuapaphs 1 and 2 shall be npplied:first,to nny prepuyment charges due under the Nate;second,to amounis payable under
<br /> ';�� - paragraph 2;thirA,ta interest due;faurth,to principal due;pnd last,lo any late charges due under 1he Note.
<br /> 4, CAarQes; Llens. Bonower shall puy all taxes.ossessments, charges, fines and impositions attributable to the
<br /> � }'roperry which may attain pric+rlry over�his Secu�ity Instrument.and leasehold payments or�uound rents,if any. Bomower
<br /> ehtil!pay these obligation�in:he m�nner provided in pamgroph 2.or i(not paid in tha�manner.Borrower shall pay tl�em on
<br /> • t�me direcdy to the person oa•e�puyment. Borrower shull promptly furnish to I.ender all nntices of s�mounts to be paid under
<br /> this paragrnph. 16 Born►a�er mAkes these payments directly,Sorrawer shal!promp�ly fumish to Lender receiptc avldencing
<br /> the payments.
<br /> w -; Bomowcr shall promptly discharge any lien which has priority over this Security Instrument unlcss Borrower:(a)agrees
<br /> � ln writing to the payment of the obligation r,ecured by the 1 ien in u munner Acceptable ta Lender;(b)contests in good fai�h the -
<br />_ ���''Y•:' lien by,or defends against eniorcement of the lien in.legul praceedings which in the Lenderk opinion operttte to prevent the _
<br /> enforcement of the Ifen;or(c)secures from the holder of the lien an ogreement satiafactory to Lender subordinating 1he lien -
<br />�:-��� to lhis Securiry Insuument. li lxnder determines Ihat uny part of the Property is subject to o lien which may auain priority _
<br /> over this Security lnswment,Lender muy give 8orrower s�notke identifying the lien. Borrower shafl satisfy the lien or take
<br />_ �, one or more of the actions set forlh above within 10 days of 1he giving of notice.
<br /> ' � 5. H�rd or Property 7nsurance. Borrower shall keep the improvements�o��•existing or here�►Rer erected on the =
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<br /> .••.>,,�� Psc�rty insured aguinst loss hy fire,huzurds included within the term"extended cover�ge"and uny other hazards,including �:�
<br /> -- r;,.,.:_, ,:•,, tloods ur flooding. for which l.ender requires insurance. This insurAnce shull be maM�eined in the amounts end tor the =
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