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<br /> 'I'OUL�'fHLR WITH all the improvemenu now or heroafter crected on thr propeny.�d all wsmenu.�p�wnenancea,
<br /> �nd fl�twr,:i�i,w a't�iawtt�r a p�t af thc property. At!reEttace�rsea�s and add�tians shall also be wvaad by tt�is Socurlty
<br /> Imwment. All of the forc�dn�i�rcferted w in this Security Inswmant�s the"Property."
<br /> BORROWE4t�COVENAlV1'S that Borrowu ie lawfully selsed of thc aatwte herchy aanveyed w�d has ihe ri�ht w�nt
<br /> and convey the Pmperty and that the Propeny is unencumbeced,except far encumM�ae�ces of mord. Borrower wamnu ar�d
<br /> wiu defeao�eneraiiy c�o�i►ie w�Pn�iy.�ah�cc�lt claimt�nd acm:.nes.su��sa t�y ertsnmbrmct�of recocd.
<br /> THIS SECURITY INSTRUMENT combfnes unifam covcnantx for iwt3anal use u�d noo•un�fomi ¢oveMnts wlth
<br /> `.�-•'�`-""" limited vui�tions iw jurixiiqion to constiwte a w�ifom�cecurlty inw-wnent coverin�re�l propeny.
<br /> UNIFORM COVENAM'S. BO�fOWCr AI�I.C11dEiCOVGfl�llf Sild tg[rC pRfOIJOW�:
<br /> 1. Paymeot ot Arincipal�nd Isterest;Prep�ymeat aud L�te Chujes. Bamwer shall promptly pay when duc the
<br /> princip�l of u�d intenest on the debt evidenced by the Note u�d my prcpayman��nd tate chuges d�e under tlu Note.
<br /> Z. �s tor'jfiucee aad Iaaunna. Subjoct to Applicxblo low or tu a wcitten waiver 6y Lender,�orrower sh�ll pay to
<br /> I,ender on the day monthly payments en due undcr the Note.untIl the Ncxo is p�id in full,a sum("Pundr'y foc:tA�y��y
<br /> taxes and nxsessments which may attain priodty over this Secu�iry Insirumant as�lien on the PropeRy;(b)ywly leasehold
<br /> paymentc or ground rents on the Property.if any; (c) yearly hazard or propeRy insuruue p�miums; (d)yetuly flood
<br /> insurance prcmiums. if any;(e) yeArly mortgage insurance premiumF. if any; and (� any sums pnyable by Bomower to
<br /> Lender.in accordance wlth the provisior�s of pazagrrph 8.in lieu of thQ payment of mortgage insurance prcmiums. 'I7iese
<br /> Items sue called"Bscrow Items." Lendcr may.at eny timc.collcct and hold Wnds in an artwunt not to excad the rtwximum
<br /> amount a lender for a federrtiy reiated mongage loan may require for B�xrower'c escrow account under the federal Real
<br /> Estue Settlement Yrocedures Act of 1974 Ys amended f�om timc tu timc.i t u.a.�.§�bOI rt seq.("RFSPA"),unless another
<br /> law that�pplir,�u,ti►�Funda sets a lesscr anwunt. If so,l.ender muy,at any W�e,collxt and hold Wnds in an amount not to
<br /> - - -- cxaai the lesser amuunG Lender may estimnte the emount of fiind�duc on the basis of current data and rrasonable
<br /> � estinmates of expenditures of future Escrow Items or otherwlse in accondstnce with npplicable law.
<br /> '11�e Funds slnll be hcld in an insdtudon whose deposits am insured by a federal �gency. Instrumentality,a entity
<br /> (including Lender,if Lender is such an lnstttution)or in any Federal Noma LAan Bank. Lender shall apply the Funds to pay
<br /> t}�e Escrow ltems. Lender may na charge Borrower for holding and applying the Ponds, annually analyzing the escrow
<br /> —_ —_——_ accottnt,or verifyfng ti►e F.scrow Items,unkss Lender pays Borrower inusrest on the Funds and applicable law permits
<br /> ----� Lxnder to make�such a charga. However, Lender may rcquire Borrower to pay a one-time charge for an independent rcal
<br /> � est�te t�rcporting servlce used by l.ender in connection with this loan, unluss applicable law provides otherwise. Unless an
<br /> agrcement is madc or applicabic law requires interest to be paid,Lendcr shult not be required to pay Borrower any interest or
<br /> - camings on the PUnds. Borrower and Lender may agrce in writing,however,that interest shall be paid on the Funds. Lender
<br /> -- sh�ll gtve to Borrower,without chatge.an annual accounting of the Wnds,sAowing crcdits and debits to the Funds and the
<br /> _ _ pucpose for wbich each debit to the Funds was made. The FLnds arc pledg¢d as additional security for�I(sums secured by
<br /> thia 3ccurity Instnunent. _
<br /> " '--_—__— �f the f'vnds hrid by IxnJer exccrd fhe amuuni.v permitted iv be iusid by appiicabie Jaw. Ixnder si�ali account to
<br /> �"'��,� Bortower for L':c excess Ftmds in accordance with the reyuimments of applicable law. If the amount of the l�Lnds held by
<br /> - �,�:•� Lender at any time is not sufficient to pay the Escrow Items when due.Lender may so notify Borrower in writing,and,in
<br /> � such case Borrower shall pay to Lender the amount �ecessary to make up tix deficiency. Borrower shall make up the
<br /> !�'i,�' t..:�,.:
<br /> ,..� or..: " deficiency in no more than twelve monthly payments,at Lendert sole diacretian.
<br /> •'�' '• Upon payment in full of all sums ucured by this Security Insirumenc,Lender shall promptly refund ta Borrower any
<br /> e; r�^�:�* �nds held by Lender. If.undcr paragraph 21,l.ender shall acquire or sell the Praperty,Lender,prior to the acquisition or
<br /> �f �"'�� �� sale of the Pro shall a 1 an Funds held b Lendar at the timQ of ac uisition or sale as a credit a aunst the sums
<br /> . .�.,,.:;: PeRS'• PP Y Y Y 9 8 �
<br /> � �������'��'�"� secured by this Securiry Instrument.
<br /> ' -••�*�•�''' 3. Appliwtion of Puyments. Unicss applicable law provideti ahcrwise,all payments received by Lender under -
<br /> �� K a, ~� ra S 1 and 2 shnll be n lied:Crst,to un re a ment char es duc under the Notc;second,to amounts -
<br /> ' �4. P�B Ph� PP Y P P Y F paYable under
<br /> �µj j, "'r� ` � paragraph 2;third,to interest due;fouRh.to principal due;and last,to uny lute charges due under the Note.
<br /> ,c ff,:�;:: 4. Char�es; Liens. Borrower shall pay all taxes, asses,mentrc,charges,fines and imposipons attributable to the
<br /> �.r. ..,�,,�.,�, . Property which may attsun priority over thi�Security Instn►ment, and 1¢asehold payments or ground rents,if any. Borrower
<br /> � wh/,y y°'•r shall pay these obligations in the munncr providcd in paragraph 2,or if not paiJ in that m:umcr,BoROwer shall pay them on
<br /> ;.:.;�:.. � . .� ttme directly to the person owed puyment. Borrower shall promptly fumixh toLender�ll notices of amounts to be paid under
<br /> '��°"�'�` � this paragraph. lf Borrower makes these puyments directly,Borrowcr shali prompQy f'urnish to l.ender receipts evidencing
<br /> '„e,�f�:. •=..'-
<br /> • �fi' •. . thC�1ayf17Ci►ts.
<br /> '�'� �``�' ' '' r Borrower shall promptly discharge any lien which has priority ovc�thia Security Instrument unless Bortower:(a)agrees
<br /> .,�',�,r�"n;, �,�;'.�,�a'
<br /> ����_p_w+'=;: .,;,-, , in writing to the payment of the obligation secured by the lien in n munner acceptable to Lender:(b)contests in good faith the
<br /> - '�°�t�`,-;�,;��� lien by,or defends against enforcement of the lien in,Icgal proccedings which in the Lcnder's opinion operate to prevent the
<br /> enfac�cement of the lien;or(c)secures from the holder of the lien:u�agrecment sutisfactory to Lender subordinating the lien
<br /> -- - - =`="��=�-�'.::� to this Securi Inswment. if I.ender determines th•rt un dn of the n is sub'ect to u lien which ma attain riorit
<br /> _-_ � ..;. h! Y P' � Y J Y P Y
<br /> �;,.,,�,�•;,;c:.,�_: ,_, over this Secunty Instrument,Lender may give Borrower a notice identi fying ihe lien. Borcower shall satisfy the lien or take
<br /> ���a»:�► one or mon of the actions set fath above within 10 days of the givin�of notice.
<br /> �. H�rd or Property InsurAnce. Borrowcr shall kcep the improvcments now existing or hemafter erected on the
<br /> '•4� �� �' Property insured against loss by fire,hazords included within the tertn"extcnded covcrage"and any other hazards,including
<br /> ---�' floods or flooding, for which Lender mquires insurance. 'Chis insurance shatt be maintained in the amounts and for the
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