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<br /> — ----. �w���!��. .�!!tiM!4!!!!!!!!p!R�M�!!ni'�'n[@!r!i'!!d q!!!�!!�r--n�rw�2!i.!�!��,1�!iw�!w�!!.Mri�ler�s
<br /> �d Axaiw now a ha�aha��wt d th� All ropi�a�n�w and�dditiora dWl d�o b�osrw�d by I�ir�e�y
<br /> IMIYI�ML All of dM fol�dl��i t�Nfrd b���3�CYlity 61�M M�"t1�OpNtr.M "-
<br /> BORROWBR G�OVBNAM'S 1iW flannwer ie 4�w(Wly Ni�ed d the Mta1s M�try oonwy�d�ad 1w Ih�rl�ht Io p�t
<br /> md oonvey tbe Proparty�nd dwt�Pt+npeetY 1�wia�aaabe�ed.axc�ept far a�aimbrMioa of ncard. Barowar ware�ew�ad
<br /> �vlll delad Sa�rlly tb�dtb to the PropeAY yaicut aU cWnu�nd demmd�.wbjxt a�ny a�nwnbr�noa of ncord.
<br /> 'INL4 SBLURt1Y INS71lUM8IVT ooMbina unUorm cov�en�nb for ardoml u�e atd nat•unlfatm oov�a�MS w11Y
<br /> .----. wmoea rmt.dons by 3ur��nion to�on�nn,�e.u+�r�+,recu�y����na�.��o�ny.
<br /> UNIPORM COVRNAIV'I'S. Ban+awa�ad l.dndar wvaw�t�nd apee u folbwi:
<br /> 1. rr�ac or PrMdpN..a IneWa�:�7�t r.a l,.le c�i.rp.. 9o�rower stuit!a+'nn►Pdr P�9 whai aw di.
<br /> prioc of uid intemek on the debt evidenced by the Note and any prep�yymart u�d latc ch�ei due wider the Note.
<br /> �i+bNds Ior 71��a�d l�a�ra Subject to ic�We law or to�wripen w�ivet by l.ex�der.Bomowa sludl py W
<br /> I�+���Y��Y P�Y�u+�����de,nndl tho Note i:p�W in full.�wm("Punds")for:(q yoarlY
<br /> tues�nd�u++eunbnu whfch nuy atWn priairy over lhii 5ocurity Insaurnent as�lien on�he P�op�My:(b)9cady leu�ehold
<br /> P�Y�s or g�ow�d renu an the Rq�eAy. if anyi (�) Y�Y �'d a ProP�Y ��w�P�'��ums: (d) ycufy ilood
<br /> inwnu�oe promium�if�r►y: (e) Yeacly mort�ge incunu�ce pe�emfums. if any: uid(� +u►Y �+P�Y�ble by 8ortower w
<br /> Ler��in�ococd�noe wlth the provi:iau of par��rnph 8,in lieu of the payment of matRa�e inwruKx premlunu. 'lUet�e
<br /> itemc ac�e callod"F.scraw Items' L.Cnder may.at any time.coilect�nd hold Eiu�d�in an anwunt not to excoed the m�xGnum
<br /> amount a lender far a fedciatiy relatod mortgage loan may roquine for Barowert ese:row account urder the federa!Rsal
<br /> Fuate Setdement Procedures Rct of 1974 as ameoded from time to tIme. 12 U.S.C.$Z601�t seq.("RFSPA").unles�uwther
<br /> ltw tlat applies to the fi�nd�set:a ksser anaunG If so.l.ender may.at any time.colloct�ad hold fiuuto in�n unount not to
<br /> ___ excad ihe laser atrwune. i.ender may estimste the �mount of Rmds due on the b�sis of cunra�t data and rc�wntbb
<br /> estfmates af expa�diturcs of futuro Escrow Itemc or aherwise in�ccor�du�ce with�pplicabk law.
<br /> The Fimds shall be held in an institution whose depaits are insured by a fodersl ageocy.in:wmentality.or entity
<br /> (Incladi�g I.encler,if[.endcr is such�n insdtuuon)or in any Nede�al Hane Lou�B�nk. Lender sFnll�pply the Fundr w pAY
<br /> - the Escrow Items. l.ender mAy not charge Bortower for holding and applying the Fur�ds,annuslly analyzing tl►e escrow
<br /> �ccount, or verifying the Escrow It¢ms.unless Lender pays Barower interest on tha Funds and applicable Inw permita
<br /> — Lrnder to make such a chArge. However,l.ender may roquire Borrower to pay�or►e-time ctwrge foc an independent neal
<br /> e�tata wx reporting serv[a asod by Lender in cannection with this loan,unlesy applicable law provides dherwise. Unless sn
<br /> = — �gceement I:made or app8cable law roquires intei+est to be paid.Lender shall not be required to pay Bomower any Interest or
<br /> - eunings on the Wnds. Bwrnwer and I.ender may agr�e in wdting,however,that inteRSt shall be pa9d un thc FLnds. Lrnder
<br /> sholl give to Bortower,without chArge.an annual accounting of the FLnds.showing credits and debits to the fi�nda and the
<br /> pu�pose for which each debit to the FLnds was made. 'il�e F'rutds nre pledged ss�ddid�l security for all sums secured by
<br /> "� thls Secudty instrument.
<br />--r -- s._. , _ � If tl�e Rndg h!+ld by I�t�r �zrre,l�Iu am<wntc permitted to be held by applicable law. Lx�der shall eccount to
<br /> Borrower for the excexs Futtds in accordance with ihe requirements of applicable law. If the amount of the Funds held by
<br /> Lender at any timc ie not sufticient to pay the Escrow Itenss when due,l.ender may so notify Bocrower in writing,and,in
<br /> - such cxse Borrower shall pay to C.ender the amaunt necessary to make up the doficiency. Bortower shall rnake u�the
<br /> :« deficiency in no more then twelve monthly payments,at Lender!c sole discrction.
<br /> • �,:�,w, Upon payment in full of all sums secu�+ed by this Securirty Inurume�t,Lender shall prompdy nefund to F3orrower any
<br />, �%,�•..�i's� FLnds held by Lender. If,under paragraph 2l,I..ender shafl acquine or selt the Properry.I.ender.prior to tha acquisition or
<br /> ,. ,. sale of the Property,shall apply any Funds held by L.ender at the time of acquisition or sale as e credit against the aums
<br />- ' secured by thls Securiry Insdument.
<br /> . � ?�':;':� 3. Applicatlon r.f P�yme�ts. Unless upplicable luw provides otherwIse,all payments rrceived by Lender under
<br /> paragraphs I unJ 2 shult be applied:first,to any prcpayment charges due under thc Note;second.to amounts payable undcr
<br />._• 4h?�;�'.��,;;';S;.�; paragreph 2;third,to intcrest due;foucth.to principal due;and last,to any laa charges due under the Note.
<br /> M ��,.�+��. ' .. 4. Charges; Liens. Borrowcr sholl pay all taxcr, axsc.sments, charges, �nes and impositions attribuwble to the
<br /> �� •.j���•'-•:- Pro tt which ma attain norit over this Securit instrum.:nt,:+nd leauhold a ments or round rents,if an Bonnwer
<br /> � i� > , �•. Pe Y Y P � Y Y P Y 8 Y•
<br /> •�t�14'IYC'X��aa�+'�7:`h.��` c shall pay these obligutions in the manncr provided in parugruph 2,or if not puid in that munner,Borrowcr shuU pay tl�em on
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<br /> • time directly to the person owed payment. BaROwer shall promptly fumish to l.ender all notices of•rmounts to be paid under
<br /> ��?'�°��`� � this paragruph. if Borrower makes lhese puyments directly.Borcower shull pmmptly fumish to C.ender mceipts evideacing
<br /> ' �� � `'�.��' the payments.
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<br /> �:`�" Borrower shall promptly discharge any lien which has priarity over this Securiry Instrument unlcs,Borrower:(a)agrees
<br /> ._:,.-;:" � in writins to the payment of the obligation secured by the lien in u manner acceptable to Lender:(b>conterts in good faith the
<br /> ticn by,or defcnds ugainst cnforcemcnt of thr licn in,legal pra:eedings which in the Lender's opinion operate ta prevent the
<br /> enforcement of the lien; or(c)secures fram the holdcr of thc licn an agrecment satisfactory to Lender subordinatin�the lien
<br /> F��=��'•'� '� to this Security Inswment. If Lender determines that any paR of thc Property is subject to a lien which mAy uttnin priaity
<br /> t, ,�j over this Security Inshument,Lender mny give Bortower u notice identifying the lien. Borrower shall sutisfy the lien or take
<br />-- - ��'=��": one or moro of thc actions set forth above within 10 duys of the biving of natice.
<br /> . S. Hau►rd or Property Insurance. Horrower shall keep the impravements now existing or hereafter erected on the
<br /> ':.:� Property Insured against loss by fire,hazurds included within the tcrtn"extended covcrogc"and any other hazards,including -
<br />. floods or flooding, for which Lender mquires insurunce. 7'his insurunce shall be maintained in the amounts and for the
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