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<br /> rnd fixtura no�v ar hercefler a put oP�he pmpeKy. Ali rcplacemenu atd o�ditian��iu�ii�iro br oowno by thi�t S�curiiy .
<br /> la�purne�t. AI!of the fare�aina is neferrod a in thi�Secutity lnawmrnt ar�he"PropertY,"
<br /> BORROWER COVENANTS that Bom�wer is Iwwlully�ei�ed o[the esute ixrcby ca�voycd and!uu the ti�ht ta�uant
<br /> and convey ihe Propecty and th�t 1he�upeny ix unencumbeiod,ezrept for cncumb�w�cea of rocad. Harowcr wrrnnu�uid
<br /> will defaid�enarally tite titk la the Propetty��+�itut�II claimt and denw�d�,wbJec�a�ny encumbnnoe+of renmd.
<br /> -'_°`���"�"-£`"" 'I'HIS SECURiTY INS'PRUM�lVT cambiner w�ifan�cuve+uuia fur �wtiuswl u`c �uwl �xK�-wtlCorm �:ovenanta with
<br /> limlted vuiatians by judxliction to constitute p un�farm iecudty in�cument cnverinE real prvperty.
<br /> UNIPORM COVENANTS. Bocrower�nd Lender wven�nt pnd agra�s tolbwa:
<br /> 1. PayiqeNt o('Pri�dpd ud IntereW;PreWY�oent ud I.ste Cfuu�e�. Bamwer�all P�P��Y P�Y when due the
<br /> princjp�l of and interest on the dcbt evidencod by�he Nae And any pc�cp+�yment and I�te charges due under tlx Notc.
<br /> Z. ��ds for'lUxa and I�wwrance. Subject to apptic�blo IAw a to�wdtten waiv¢r by L.ender,Borrowcr shall pay to
<br /> L.endcr on thc day manthly payments ue due unde�thc IVote,until thc Note ie paid in full.a sum{"Funds")for:(a)yeuly
<br /> tracec and assessments whleh msy utain prioricy over thle Secucity Instn+ment as a lien an th�Propecty:(b)yeuly k�set�ald
<br /> payments oc ground mnGg on the Prc�erty, If u►y: (c) yeady ha7.wr�d a p�ropeRy inaurance pirmiums: (d) yeuly flood
<br /> insurance premiums, ff any; (e) yeuly mort�ege fnsurancc premiums, if Rny: u�d(�wty sums payablc by Borrower to
<br /> L,ender,in accordance with the provisions of par+gr�ph S.in lieu of the pyment of mortgage lnsuruice prcmiums. 77�est
<br /> items s�ne cAlled"Escrow Items." l.ender may.at any time.colloct and hold F�nds in an�mount not to eacad the muimum
<br /> amount a lendcr for A federally nlated mortgage loan m�y rcyuirc for Borrower�s escrow ucount under the fodeal Real
<br /> Est�te Settlement Procedures Act of 19T4 ac amended from time ro time. 12 U.S.C.¢2601�t s�q.("RESPA").unless uathcr
<br /> --- ----- -� Ivw that npplici to thc Punds sets a lesser amounG [f�.Lender may.at any ti+ne,c�llect and hold R►nds in an unount�wt to
<br /> excxd thc lesser amount. I.ender may estimate the amount of Fl�nds due on the basis of cument data and rcaconable
<br /> = estirtu�tea of expenditures of futurc Escmw Items or otherwise in accadance with applicable law.
<br /> '"� ,,.,-. Tf�FLnds stwll be field in an institution whose deposits arc Insund by a fedenl agancy, insdvmentaliry. a ent�ry
<br />- (irtcluding L.ender.if Lender is such an institution)or in any Federal Homc Loan Bank. l.endcr shall apply the FwNls to pay
<br />� the Escrow Items. L.ender may not charge Bomower for holding and applying the Funds,annually analyzing the escrow
<br />_ wccount, or verifying the Escrow Items, unless [,ender pays Borrower interest on the Funds and applicable law pertnits
<br /> . '� Lender to make such a chuge. However.Lender may rcquioe Borrower to pny a one-time ciwrge for an independent real
<br /> , estate tax repo�ting servia used by L.ender in connection with this loan,unkss applicable law provides othecwlse. Unless an
<br /> �����`" agrctment is made or applicable law requines interest to be paid.Lender stull not be required to pay Bomower any intercst or
<br /> earnings on the Hmds. Borrowcr and Lende�may agrec in writing,however.that interest shali be paid on the E�nds. Lrnder
<br /> � � shall give to Botrower.without charge,an annual accounting of the Fvnds,showing credlts and debits to the Funds u�d the
<br /> -;;�" purpose for which each debit to the Funds was made. The FLnds xre pledged as additiaial securicy for all sums secured by
<br /> - �� ° Wa�ecurity insuument. `
<br /> '- If the Funds hetd by Lender exceed the umounts pecmitted to be held by applicuble law, L.ender shall account to
<br /> � �f`� '���' Borrower for the excess Funds in accordance wtth the requirements of applicabie law. If ttie amount of the FLnds held by
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<br /> :,yk;�, ,;.�r;r � Lendar at any time is not sufficient to pay the Escrow Items when duc,l.ender may so notify Borrower in writing,and,in
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<br /> .,;,�,�,,,4,��, •.;:��.. such case Borrower shuU pay to Lender the amount necessary to make up the deficiency. Borrower shaU make up the
<br /> �—'' '" �'�`°� '` deficiene in no more than twelve monthly puyments,ut l.endert sole discrction.
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<br /> �:'J'�. : y�;.. : . Upon payment in full of alt sums secured by this Securiry lnstcument. Lender shall promptly refund to Borrower any
<br /> ;;�pw,h�;;;,::�r.:;•,,•.;:.... Funds held by L.endcr. if,under paragraph 21,I.endcr shull acquire or scll the Property,Lender,prior to the acquisition or
<br /> - •�:k�,:.��,.., .�r:y ,: sale of the Property,shull apply any Funds held by Lcndcr at thc time aF acquisition or sale as a credit against the sums
<br /> ',�„4,.,.,,�;,...;.,�,, : � securcd by this Security Insaument.
<br /> *•' �. �,, ..,,� 3. Application of Ppyments. Unless s►pplicable 1:►w provides ahenvise, all payments received by Lender under
<br /> '= . �.'�'�''y''i°"'"' : patagraphs 1 and 2 shall bc upplicd:tirst, to any prepayment charges duc under the Note;second,to amounts payable under
<br /> :� ,•�t.'��'�`•'�•"*`` paragraph 2;third,to interest due;fourth,to principsl due;and last,to any latc charges due under the Note.
<br /> , t-C'�;:r�-;::K.��.. •":� 4. Charges;Liens. Harrowcr shall pay all tuxcs, asscssments, charges. fines and impositions attributnble to the
<br /> Y . Roperty which may attain priority over this Security InstrumeaG:u�d Ieauhold payments or ground rcnts,if any. Borcower
<br /> -•.• � �� ' shyl!pay these obligations in the m:inner provided in paragraph 2,or if not paid in thut mann�r,BoROwer shall pay them on
<br />:. time directly to the person owed payment. Borrower shall promptly fumish to Lender all notices of simounts to be paid under
<br /> , � : , ::;�.::'-x- ' . this puagraph. If Botrower makes these payments directly,Borrower shall promptly fumish to Lendcr reccipts evidencing
<br /> the paytnents.
<br /> . Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees
<br /> �� ..,`;,'., in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender.(b)contests in good faith the
<br /> �. ' ; licn by.or defends ugainst enforcement of the licn in,legal proccedings which in thc Lenderl opinion operate to prcvent the
<br /> ,;;,�',. �r� _ -•z•..;;,1 , enforeement of the lien;or(c)secures from the holder of the lien an agreement satisfactory ro Lender subordinating tht lien
<br /> •::;.. � to this Security instrument. If Lender detertnines that any pan of the Property is�ubject to n lien which may attain priority
<br />`��- � over this Security Instcument,Lender may give Borrower a notice identifying the lien. Bonower shall satisfy the lien or take
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<br /> -• ,•ti,. .: one ar more of the actions set forth above within 10 days of the giving of notice.
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<br /> - a+ S. Harnrd ur Property Insurance. Bormwcr shull kecp the improvements now existing on c�reafter crected on the
<br /> s�!` •`���,:..,, - Propetty insured against loss by fire,hazards included within the term"exiended coverage"and any other hazards.including _
<br />��'- " ' flaod+or tloodin for which [.ender rc uires insurance. 'Ihis insurance ahall be maintained in the amounts und for the
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