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<br /> TO(3�TH�R W1TH dl the improvemenu now qr Itei+pi(tar eancted otr tho pmpeny.strd nll wemonts,appurtenatt��ee.�ad
<br /> — fixturo� naw cx bene�et � D� ui the D�v. All �s �d eddition� 4ha11 �Iw be ooverod bY Ws 9�a.ut�y _
<br /> la�uumnu. Alt uf the forcQnin���retemai to in thi�Serudty Gutrumeot�a the"Property."
<br /> �ORROW�R COV@NANTS tfw Borruwcr is I�wfuUy ieisod of the euate hercby conve)•ai atd hu the ri�ht to�r�nt�nd
<br /> oonvay the Property�nd if�t the Property is uneixvmbercd, except far encumbnixYS oF raY�t+cl. Borrower warranuc�od will
<br /> _ defend�ener�lly�he titic to thc Property•rQ�nu rll cl:�imc and dcmu�di.whJcct to any encumbrrnc¢s of rocoM. "
<br /> THIS SECURITY INSTRUM�NT c�m�bine+�uniform coveauups for natio►W ure ond ron•uniforn�ooven�w with limilad
<br /> �_ -- --�� variattons by Jurisdictlon to constitutc u unifUrm�:rurlty i�ulruuti;nt wv�ring ru►1 prupc�ty.
<br /> , UNINORM CAVBNANTS. Bornnwer nn�l i.ender coven�utt and a�rce sw follows:
<br /> ' 1. Paymeot oP Priactp�l aad latensti�P�Yment and I.ste Chary�a►. Bormwer shall promP�Y P�Y What due tbe
<br /> -- — princlpd of and interat on the debt evidencocl by the Note arKl any prcpayment w�d late charges due under the Note.
<br /> 2. Fund�for Tazes aud Imur�nce. Su6ject ta applicable law or to a written w:iver by Lender. Borrower sFwl!pay ta
<br /> Lender on the dxy monthly payments ue due uador the Note,until thc Note is paid in full.a sum("Funds')for:(a)yearly taxes
<br /> - and�.ssessments which may nttain priority ovcrthis Security Instrument�s a licn on the Property:(b)ycariy Icaxiu�ld pctyments
<br /> or ground rcnts on the Prope�ty,if nriy;(c)yeul y t�rd or propecty insurauice prcmiwns;(d)yearly tloal insurance premiums.
<br /> if any; (e)yeiuly mortgage in�urance prcmiunu. if any; and(�uny sums payabls by Borrower to Lender.ln accprdrU� with
<br /> the provisions of p�ragraph 8, in lieu of the p�yment of mortgage jnsurance premiums.These items are called "Escrow Items.'
<br /> Lender may. at any time,coUext and hold Funds in an anwunt not to axcoal the nuximum atnount a lender for a fodernlly
<br /> - - �— -"— rclatod mortgage loan may roquire far Borrower's escrow acccwnt urder the fodarnl Real Fstato SetHement Procedures Act of
<br /> 1974 As amended from time to titne. 12 U.S.C. Section 2601 et seq. ('RESPA"),unlsss another law that applics to the Funds
<br /> = �i sets a lauer arrxwnt. If so, i.ender may, At any time. collect and hold Funds in an amount�wt to excacl the lesscr�unt. -
<br /> _�i: Lender may atimate the amount of Funds duc on the basis of currcnt d�ta and reaso�wble cstimata of expenditurcs of futurc
<br /> , ��� Eccrow Items or otherwise in accordance with opplicable law.
<br /> The Funds shall be hcld in an itutitution whose deposits are insured by a federrl ugency, instramentality, or entity
<br /> (irx:luding L.ender,if Lender is such an institution)or in any Fedcrnl Home Lain Bank. Lender shall npply the Funds to pay the
<br /> �+ Escrow Items.L.eixlec may not charge Borrower for holding and applying tlie Fwdx,annually:uialyzing the escrow account,or
<br /> verifying the Escrow Items,unless l.ender pays Borrower interest on the Funds and applicable law permits Lender t�makc such
<br /> a charge. However. I.ender tnay raquire Bonower to pay a one-time charge for an indepandent real estate tux reporting service
<br /> used by Lender in connoction with this loan, unl�s applicable law provides otherwise. Unless an agreement is rtwde or
<br /> applicable Iaw roquires intcrest to be paid.Lerder shalt not bc required to pay�orcuwer any interest or earnings�n the Fu�xis.
<br /> = Bc�rrower and Lender may agrce in writing, however. ttut interest shall be paid an the Funds. Lender shall givc to Fiorrowcr.
<br />_ _ :.zthavi ch�rge, an annual ac.c�ut-ititig ni ti�c FwKi., showing crodits and ciebics to the Funds and the purpose i'ar.which exh `
<br /> debit to the Funds was ntade.The Funds are pledgad as additional security for all sums secured by this Security Instivment.
<br /> � `���.�t^ ,,�� If the Funds held by Lender excecd the sunounts permitted ta be held by applicablc law.I.ender+hr,ll account ta Barr�wsr
<br /> �•'''�3��' � for the excess Funds in accordance with the requiremems nf applicablc law. lf the amount of the Funds held by I.ender at any
<br /> ."��'�`';f�� �`��,'���> time is not wfficient to the Escrow Items when due, l.ender ma so notif Bonower in writin and,in such case Borrower
<br /> �L:F.:. � ;:;�s�..�',�._r.�: P�Y Y� Y B�
<br /> •,:��;`�,;,,1�"ur�" shall pay to Lender the amount nesessary to m►ke up the deficiency. Borrower sh�ll make up the deficiency in no morc tl�n
<br /> , . ,..,�,rt�,. ;v�:
<br />. - • ,:��� twelve monthly paymenus,at I.ender's u�le discretion.
<br /> , ;:;":;t�?�. . �, Upon payment in full of all sums securcd by this S�xuriry lnstr�ment. Lender shull promptly refund to Rorrower :u�y
<br /> ,.,�, ;.;,.;, :,��. • Funds heid by Lender.If,undcr paragraph 21,L.ender shall acquire or xll the Property. Lender, prior to the ucquisitipn or s�le
<br /> � � i • of the Property, shall apply any Funds held by Lender at the time of acquisition or sale us a credit against the sums securod by
<br /> - '�''`}•"��• this Sccu�ity Instrument.
<br /> I-W c;s�: ;t.�.•�_ •�.`,� 3.Applk�tion of Payments.Unless applicublc law provides otherwisc.•rll payments reccivc�by C.ender under paragraphs
<br /> �"°"'`�i�"`'"' " �� 1 and 2 shull be a licd: first, tn an re • ment chur es due under the Notc; �rrund, to amowits n uble under .�ra�r h 2;
<br /> .. . ,.. 1 PP Y P Pd)' S P'Y P' b�P
<br /> . . . third,to interest duc:fiiurth,to principal dur:and last,to uny late rhArge}due under the Note,
<br /> �: 4.Chatges; Lieas. Borrower shal{ pay all taxrs,assessments,chargcs, tincs utxi imExnitiom•rUributable to the Properiy
<br /> � which nuay attain priority over this Security Imtrumeot, �nd lcaschold paymentti or grounJ rent,, if •rny. Borruwer shall pay -
<br /> »+�.��;-;�w;;�.•..••:= •: these obligatians in the manner provided in p;�ragr•rpl�2,or if not paid in thut manncr. Borr.�wer,haU pay them on time directly
<br /> ��'' • to the perxm owed payment. Borrowcr shall prumptly furni.h tu[,endcr all rxiticcs uf amounb tu he puiJ unJer this p:tragraph. �-
<br /> _ .i: �;; If Horrower makes thcsc paymentti dircctly, Bortowcr shaU pr��mpdy furni�h to[.cndcr rcccipt.rviden�ing the p•ryments.
<br /> Horrower shall prompdy ditichargc any 1 icn which ha�pri��rity�wcr thi.Sccurity In.trunknt unlc.�Borrow•cr:(a►agrces in
<br /> � � �..;-;`;t�ti �' � writing to the payment of►he obligation kcur�d by the lien in a manner acceptuhlr a�l.rndrr,tb►cantc�ts in gcxxi faith the lien
<br /> __ �'•!�'•� 1 � by, or dcfends against enforcement of thc 1 icn in, legal pr�xecding+ which in thr L.cndcr'� itipinion uperate to prcvcnt the
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<br />°-=�-����,.;•.:,-�; enforcement of the lien;or(c)srrures f'rom thc hulder of the lien an•r�mrnunt .ati.fartur}• tu I.cnder .ulx�rdinatin�thc licn tu
<br /> �� {�;•_ ,c this Sccuriry instrument. If i.ender determinc.ihut any part ot the Propeny is tiuhject to:t li�n wh'tCh ntay attain priurity over
<br /> � �•:;"��Y'`� `I ' '- this Security Instrument. Lxnder m•ry givc&�rrowrr a notire idcntilying thn lirn. &�rrow�rr�h;►U suti�fy thc licn or takc one or _.
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<br /> -�•� more of the actions set forth above within 10 days of the giving of notice.
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