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<br /> roaBTHBIi wITN�I�Ihe�mpoven���now ar h.i.�l►.r.�ec�ea an the p�bpeny.Mua ��e,aemait.,aPP�henrwa�
<br /> �nd 8�taa now or Matqr�prt d the p�apaty. All npiu�nw�nu�nd�dditlon��Mdl�a b�oowrd by thi�BaCUriy'
<br /> la�wma�t. All oi Ihe fon�ola j b roteROd lo lil�hf�S�ecudty Inawment w!he"P�apehy,"
<br /> � BORROWER�OV�NANTS UW�iaeower i�I�wfully�oisod of Iha ect�te hercby canveyod w4 hiu tho d�t w�nt
<br /> �nd eonvoy thoprop�y�nd thst�ho Pro�xrty ia unencumUerod.except ior encumbrAnca of rocord. Bortower ware�nu�ad
<br /> wlll defatd�et�l(y tfie dtb W Ibe Propaty�Inat dl cl�irtu u�d detnrnd�.wbJtict lo�ny encumM�u�cc�af rocord.
<br /> _ TH44 8�CURITY 1NSTRUMP.NT wmbinoe uniform cwvenwntr (or nationul u�c pnd non•uniform covaa�nu wlth
<br /> a - --� limitod varl�dona by jurisdictian w canrtlwle A unifam iwcudry inrinunant covMaQ re�l property.
<br /> UNIFORM COVENANT3. Borrower wd Lender coveiwnt and agroo�followr:
<br /> 1. 1'�yma�t af Pelndpd ud Intee�st;Prep�ymeat�ad L�k Ch�r�a. R�umwer sh�il PromP�Y P�Y when due the
<br /> pdaci of And intcrcct on tho debt er9denced by the Note and any prcpayment pnd Ipte cha�e�due under thc Nate.
<br /> � Ftindi[or 7tiuca wd Inarroocs. SubJxt w epPUcable law or to a wrfttcn wafvcr by Lendar.Borrower shpll pay w
<br /> - Lcnder on thc day monthly peyments are due under�ho Notc,undl 1be Note is pafd in full.a sum("Flinds")for.(a)ycarly
<br /> �---- ta�ces and Assessments which may ensia priority over thie Secudty insdvment as a lien on tt�e Property;(b)yeariy lea�ehold
<br /> paymenta or ground renta on the Hopeny. if eny: (c) Yea�lY hazard ar prapcny insurance prcmfums: (d)Yearly flood
<br /> inaurwnce premiums. if any;(e)yearly moR�age insurance piemiums. if eny; und(fl any swns payable by Bormwer to
<br /> Lcnder,in eccordance with thc proviaions of paragrnph 8,in Ucu of Ihepayment of mortgage insurance premiums. These
<br /> itema aro called"F.scmw ltema." Lender au�y.et any dme,collect and hald F�nds in an umount not to eaceed 1he ma�cimum
<br /> amount a Irnder for a federally related martgaga loan may tequire for Borrower's escraw account under the federal aeal
<br /> Bslate Setdement Procedu�es Act of 1974 as amended from time to dme. 12 U.S.C.$2601 et seq.("RFSPA"),unless another
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<br /> lew�hat appli�s m the Funds sets a lesser amounG If so.L.ender may,at any time.collect and hold Funds in en emaunt not W
<br /> °-- _-_ —_= excc�J tho le�.,er �moum. Lender may estimate the amount of Wn�s du�on ihe basis of curtent data end reasonebla
<br /> eatUpates of expenditures of 1'uture E.scrow Item�or atherwise in accordance with appUcable law.
<br /> The Punds shall be held in an institudon whose deposits are insured by a federal agency.instrumenwlity,or antiry
<br /> ��.t (including I.ender,if I.ender ia auch an jnadtudon)or in any Federal Home Loan Bank. i.ender shall apply the Flmds to pay
<br /> �'`�y,j the Escrow items. [.ender msy not charge Borrower for holding and applying ihe Funds,annually enalyzing the escrow
<br /> ��j account,or vedfying the Pscrow Items.unless [.ender pays Barrower inte�+est on ihe Punds and applicable law permlts
<br /> __' "G��>i Leader to make euch a charge. However,I.ender may require Borrower ta pay a one-tlme chtuge for an independent real
<br /> � �� �r� estate tax reporpng service used by I.ender in connecdon with this loan.unless applicable law pravldes otherwise. Unless an
<br /> agreement la made or applicable law roquires intereat to be paid.Lender shall not be requfred to pay Bomnwer any intcrest or
<br /> earnings on the Plmda. Bortower and Lender may agree in wdUng,however,that interest shali bc paid on thc�Lnds. I.cnder
<br /> ;,���� shall give to Bortower,without charge. an aruroal accoundng of�he Funds.showing crcdits and debits to the Funds and the -
<br /> 1r, purpose for whlch eaeh debit to the i�nds was made. The hlmda are pledged ax addidonel security for all aums secwed by
<br /> . _.4�: — thls Security Inspument.
<br /> '� ; ,, , , �,a�EX�'���`� if the Funds held by Lender exceed the amounts permitted ta he held by applicnble law,l.ender shall account to
<br /> '":i��;�t ��,t'+��;Q',��}, Borrower for the exeess Funds in accordance with Ihe requirements of npplicable law. If the amount of the Funds held by
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<br /> t'j��•r, ,`F'.'"'' Lender ma so natif Borrower in wriun .ond.in
<br /> r;;r:�� i',,���,� Lender at any time is not sufticient to pay thc Escrow Itema when due. y y g
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<br /> " ,_.1:,�, , such case Borrower shall pay to Lender the amount necessary to make up the de�ciency. Bortower ahAll make up the
<br /> '� '�''"'��� 4'���xr deftclency in no ma�e than twalve monthly payments,at Lender s sole discreUon.
<br /> �����'✓ {`'�� U n a ment in full of all sums secured b Ihis Securit Inswment,l.ender shall rom U refund to Borrower an
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<br /> �s?�at�sj",fi�+�'-�'•���� I�Unds held by Lender. If.under parngraph 21,Lender shull acquire or sell the Propeny,l.ender.prior to the acquisition or
<br /> p.��� sale of the Property,shall apply uny Funds held by l.ender ut the time of ocquisilion or sale as a cnedit agoinst the sums
<br /> ':;ns i� secured by Ihis Securiry Inauument.
<br /> ,_ ..' " . . „ 3. Applkatbn ot Paymmta Unkss upplicabM �aw provides adierwise, ull payments recelved by l.eadar under
<br /> , � _ .;,,��.4 : " parag►�phs 1 and 2 shuli be npplied:first,to uny prcpnyment charges due under the Note;second,to nmoums payable under
<br /> '� :'.��;•:•"�,a�.�,: para�rnph 2;third,to interest due;founh,to principal due:nnd lact.to any lute charges due under the Note.
<br /> � •�;'��;;:,'.�"t.•,.. 4. Chory�es; Uens. Bonower shWl puy all tuxes, assessments, charges, fines und imposidons attributable to the
<br /> `�a��'.Y Property which muy attain pdodty over this Security instrument,and leasehold puyments or ground rents,if any. Hartower
<br /> ' .���^!�:�.� "� shWl pay thesc obligations in the munner provided in paragmph 2,or if not pnid in that manner.Borrower shall pay them on
<br /> :!",►�► � ; '..�'• 13me direcdy to the person owed payment. Bartnwer shall promptly furnish to Lcnder all notices of emounts to be paid under
<br /> �4� this psuagraph. If Bomower mukes�hese payments directly,Borrower shnll promptly furnigh to Lender receipts evidencing
<br /> - ''' �' '�� the paymen�s.
<br /> •� ��` ' � '��� ` Borrower shall prompdy dirchsuge ony lien which has priority over this Security Instrumem unless Borrower:(a)agrees
<br /> •�"�'`��'"" �' � in writing to the ppyment of the abliguiion secured by the lien in o manner acccptable to Lender,(b)contests in good faiih�he
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<br /> � '':'�� lien by,or defends ogainsl enforcement of the lien in,legal proceedings which in�he I.ender's opinion opernte to prevent the
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<br /> �, ;:r,��-�..�:. enforcement of the lien:or(c)secures from the holder of the lien an ngreement satisfactory to Lender subordinuting 1he lien
<br /> -- "" F:�� �!,., to this Security inswment. if Lender detern�ines that any pnrt of the Property is subject to a lien which may nttain prioriry
<br /> " �•;����:,r,,. ovcr this Secudty instrument.Lender may give Borrowcr a notice identifying d►e lien. Borrower shall sutisfy the lien or take =
<br /> ���f.�t;����,'• one or ma�of the actions set fonh nbove within 10 days af the giving of notice.
<br />__ �+'+*x"''� S, flazArd or�roperty Insorance. Borrower shall keep thc impmvements now existing or hereufter erected on the
<br /> � ''`a''�` � Property insuned aguinst loss by fire,huzurds included within the term"ex�ended wverage"und any other hoxurds,including
<br /> .,� �,:,,'____?�i�;,,;;,t; floods or flooding�for w6ich Lender cr,�uires inaurance. This insurance shall be muintained in the umounts and for the
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