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<br /> TtXiETNEIt WITH�II the impruvert�tc naw or hercafter erocted an tlK prapertY.wnd�li ea,ementr.�ppunenancey,
<br /> �nd fixturcs naw or here�fter�put af tix pnopeny. All replscementR�nd addidon�rJwll�Isso bc covuod by thi�Sccurity
<br /> - ---�- - -- -� In�i�uui���t. Alt�t th�:far�oiag ic tei:7s�cd te ist tltis SrceritY ln�tsu%n!�eet es the"Pro�ty."
<br /> HORROVY�R CQVENAM'S that Bam�we�ix I�wfuily cefiod of the estatc hereby conveyed and hax the d�ht w�rant
<br /> �nd ca►vey the Property and that the Nropeny is unsncumberod.acept fa encumbrmces of rocard. &Kraw�er wwr�ntc�nd
<br /> wiU defend�eneally the titk to the Pcoperty ag�in,t�lt ctdrtw�nd dertwnds.cubkct to�ny encumb�nce:of rcrwd.
<br /> THIS S�CURITY INS7'RUMENT ecxnbines uniform cov¢nrnts fnr ruiNawl u`e �nd non•unifcxm rove�unw with
<br /> - �� ��"� limited vuiationa by jurisdictiu��tu wnrtitute�uniform�urity i►utrumcnt cuvcring rcal pr�xrty.
<br /> ._— — UNIFORM C�OV8NAN1'S. Borrower and Lender eovenant and rgree ac fdlowc:
<br /> -- 1. Paymeut of Prinefpal�nd latere�ti�pyu�nt a�d Lwte Clu�r=a. Bortower shxll pramptlY prY whrn due the
<br /> = p[incipal of and interest an lhe debt evickncal by the Nate wM any prepayment And late charges duc under thc Nute.
<br /> 2. �nds tar'lhies snd Inwr�nca SubJxt ta applicnbte I�w or to a written waivcr by I.ender,Bamwcr st�ll p�y to
<br /> - — l.cndcr on the dAy monthly paymcnte xrc due under thc Note,until the Noto is paid in full,A sum("Funds")for:(a)ycArly
<br /> _ __ _ _� tazes and acsessment�which rru�y attain priority ave�this Securiry Instrument as a lien on thc Property;(b)yeuly Icaseha(d
<br /> - � pnymentc or ground nnts on the Property. if any; (c) ycariy tu�zud or pro{xny insunnae prcmiums: (d) yearly tlood
<br /> insurancc prcmiums, if any; {e)ycady mortgage insurance pr�emiuma.ff any; And (� any sums payablc by 8omower w
<br /> Lender,in accordance with the provlslons of paragraph 8,in lieu of the payment of mongage insuruue premiums. 7'Mse
<br />--��•i items arc called"kscrow ltems.' L.ender muy.at any time,collect und hald Rmd�in an amount not ta exccod the maximum
<br /> -- amount a lender for a federally relatod mortgagc Iwut may requinc for Borcower's cscrow ucount under thc fcderal Real
<br /> Estatc Settlement Prnccdures Act of 1974 as amendcd from t�me to time,l2 U.S.C.$2601 et sey.("RESPA").unless s�nolher
<br /> law that applies to the Funds sets a Iesser amount. if w,i.e�i�r,nay,at any time,coltect and hotd i'unds in an an�au�t noi to
<br /> �f,�� cxcecd the losser umaunt. Lender may estimate the amount of Rmds due nn the basi4 nf cu�rent dyn and ma.wniMe
<br /> ` � Y�', esGmates of expenditures of future Escrow Items or othenvise in accordwrce with ApplicAble law.
<br /> . 'Ilu Funds shall bc held in an institution whose deposits ue insurcd by a federal agency, instrumentality,or entity
<br /> •''t. . � ! (including Lender,if Lender is such un institution)or in any Federal Home Loun Bank. Lendcr xhall apply the Funds to pay
<br /> :=��` �: the Escrow Items. I.ender may not chatge Hotrower for holding and applytng the Punds,annually anutyr.ing the e.scrow
<br /> �; , , �;•:�,�,� y account,or verifying the kscruw Items, unless Lencier pxys Borcawer bterest on thc I�nds and applicable law permits
<br /> »�i°� "•,e:'._,;; ;�, L.ender to make such a cha�e. F��wever,Lender may require Rorrawer to pay a one-[ime charge for an independent real
<br /> �':`�"��%' r estate tax rc rtin cervice usecl b Lcnder in co�nc�ction with this loan,unless a luable law v�dec othcrwisc. Unless an
<br /> '' �� agrcement is made��applicable law requires interest to be paid,Leoder shall nopbe required t�pay Bomower any interest or
<br /> .�• ." eamings on the Ponds. Bortower and l.ender may agree in writtng,fwwe�•er,d�at intercst shall be pafd on the Funds. l.ender
<br />- ���,+ '; � shall give to Borrower,without charga,an annuAl accounting of ihe FLnds.showing credtts and debits to the FY�txls and the
<br /> � •:.^�`��- ' pwpose for which each debit to the Fi�nds was made. The Funds are pledged as additional security for all sums sccured by
<br /> ' �'� this Security Insuument.
<br /> - -'..; �,�;:,,•~��;�r, ` If che Fuad+�eid by LcnJrr excrcd ti�r au�outtts pz�titied to be:K�� by appiicabic iau. Le�:.r s:sali srrauni io
<br /> `��.,��:.•*'�'�=.'••,•• "' ' Borrower for die excess Funds in nccordance wii?:the mquirements of�pplir:►bie law. If the amount of�he Funds held by
<br /> • � � Lender ot any time is not sufficient to pny the£scrow Items when duc.Lender may so notify Borrower ir�w•riting,and, in
<br /> .,,;,,{�;,.�.y. ; such case Borrower shall pny to Lender the amount necessnry to make up the deficiency. Borrower shail m�ke up the
<br /> <.�;,��l!!y• deficiency in no more than twelve manthly paymentx,at Lender i sole discretion.
<br /> ���:r r :�� '�� Upon payment in full of all sums secured by this Secuaty Inshument,Lender shall promptly refund to Bonower any
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<br /> „ • Funds held by Lender. If,un<ler paragraph 21,Lender shall acquire or sell the Property.Lender,prior to the acqui�i[ian or -
<br /> . sale of the Property, shaU apply any Funds heid hy Ixnder at the �ime ot'acyuisition or sale as a credit against the sums
<br /> secured by this Securiry Inswment.
<br /> M ;.,�,:�_�,,�,..�,. 3. Applicatbn of Payment�. Unlcss applicablc law prnvideti ahcrwisc, aU payments received by Lender un@er
<br /> � , paragraphs 1 and 2 shall tx applied:first,to any prepayment charges duc under thc Notc:second.to nmounts payable under
<br /> -. ._``'r t.`""' '``' paragraph 2:third,to interest due;fourth,to principal due;and last,to any late charges due under the Note.
<br /> � ;��y``,z•��:- 4. Chargesj Liens. Borrower shall pay aU taxes, assessments,charges, fines and impositions attributable to the -
<br /> �:.�:w � Property which mu��attain priority ovcr this Sccurity instrument,and Icasehald payments or ground rents,if any. Borrower
<br /> ;��! .. . . . •n shall pay these obligutions in the manncr provided in paragraph 2,or if not paid in that manner.Borrow�er xhall pay them un
<br /> �,.,, timc directly to thc person aweJ paymcnt. Borrow�er shrll prompAy furnisl�to Lendcr all notices of ameunts to be paid under -
<br /> . ;� ;��'� � • this paragraph. If Borrower makes these payments directly.Bora�wer shail promptly fumish to Lender receipts e�i�lcncing
<br /> . '�t,��..,�;���. the payments.
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<br /> Borrower shall promptly discha�ge any licn which hus priority over ihis 5ecurity Instrument unless 8orrower:(u)agrees
<br /> :��:•._. _ in writing to the payment uf the obligation secured by the lien in a mannerarceptable ro l.ender;(b)contests in good faith the
<br /> '� '"" lien by,or defends against enforeement of the lien in,Icgal procceding,which in the Lendcr's opinion vperate to prcvent the -
<br /> �° t enforcement of the lien;or(c)secures from the holder of the lien an abreement satisfactory to Lender subocdinating the lien `
<br /> '��b.�.,,; : to this Security Inswment. If L.ender detertnines that any part of the Property is subject to n lien which may attain priority
<br /> :�,. over thi�Security Insuument,Lender may give Borrowcr a no[ice identifying the lien. Borrower shall satisfy the lien or take
<br /> :=r � one or more of the actions set forttt above within 10 days of the giving of natice.
<br /> .i''. • �~�� .:�'' S. Narard or Property Insurance. Bc+rrowcr shall keep the im�rovements now existing or hereafter erected on the
<br /> � � Property insured against 14ss by fire,hazards i+x.luded within the tertn "eatrnded coverage"and any aher fiazards,including
<br /> � `��'°.•''�� • floods or floodi�g, for whtch L.ender requires insurunce. This insurance shaU be maintained in the amounts and for the •
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