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<br /> '[�AAUh'THER W11'H�II the impmvema�u ix►w a hencatler cmcted on tho pr�pecty�ond�7["�wem�n .�ipurun+�nces.
<br /> iutd tlxtura now or he�+c�tter�p�tt of the propecty. All repluementa end+�ddtdonr stull�ls�be coverod by thi�Secu�iry
<br /> Iawurnenl. All of the foroQoln�i�rofened w in lhis Security Irutnunent n the"Prnperty."
<br /> BORRUW�[t COV�NAMTS th�t Bunnwer is Irwfully aiaod of ihe eitate hereby oonveyod and h�ut the ti�t►t ta�ant
<br /> �t�d ronvey theprc�i y Mnd ttu�t the Pro(xrny ia unencumbet�d,except fcx encumbruica af rxotd. Barrower w�rnnts�nd
<br /> will defand�enaaliy tho Uqe w the Propecty a�in�t dl rl�ims wul demwtds,eubject to any encumbrAnce�of recocd.
<br /> TNIS 5ECURITY IIQSTRUME[V'f cwnbiner unifam covenwnte fcx national use and nort-unifomt covenanti with
<br /> --�— -------=-=� Untlted variatlans by jurl�dirtinn to rnn,dwte e unifexm Recurity in�trument covering real property.
<br /> UNIHORM COV�NANTS. Borrower u�d Lender covcn�u�t uid a�rce as followa:
<br /> t. Niymeat o[PrfadpN�ad latee+nt;Pcep�ya�eat and Late Ch�r�a. Barower shall pnmPaY PaY W�d��
<br /> p�nci�uF pnd lnterest on the debt evidencai by the Note and any prepayment and late shuges doe under the Note.
<br /> 1+1ind�for 11�►xa aad Inurance. SubJxt to applicable lAw ar to a written wniver by Lender.Borrower rhsll pay to
<br /> - I.ender�n�hc d�y monthly puyments iue due undcr the Note,until the Note is paid in full,a sum("Funds")for.(a)yeuly
<br /> �wxer rnd u�o��meou which muy wtain pdaity over this Sccudty Insuument as a lien on the Prope�ty;(b)yeuly leusehold
<br /> - ` °°—�° pwyment� or �round rcnte on the Pn�perty� if w�y; (c) yeurly hau+rd or property insurancc psemiums; (d) yearly flood
<br /> inwu�rnce prmiumo, if any; (e) yewrly mortgage insuranee prcmiums, if any;and(�any sams payAble by Borcower to
<br /> I.et�{or,in�:cordance wfth the provisions af puagrnph 8,in lieu of the payment of mortgage insurance premiums. These
<br /> Itcmr wrc called"Escrow Itcros" I.cnder moy.ot uny tirtx,wllect and hold Funds in an amount npt ro cxceat the maximum
<br /> rmoum� lender fcx A fedct�tly rcl,►ted nwrtgage loar► may roqui�e f�r Borrowers escrow account under the federal Real
<br /> F:�twte Settlemcnt Pracedurcs Act of 1974 us wncnded from tlme to tfine,12 U.S.C.�1601 eJ seq.("RESPA"),unless another
<br /> Iww th�t�pplie�to thc F�nds sets a Ic�xr�mount. If so.I.endcr may,at any dme,collcct and hold Funds in an amount not to
<br /> - rxcoai the lec�cr amount. l.cndcr may cstimate the amount of F�nds due on the basis of curnnt data and reasonable
<br /> esUmNtex of cxpenditurex of future Fscrow Items or otherwise in accordance with applicable law.
<br /> 1'h� Wndx ahall be hcld in an institution whose depasits are insured by a federali agency, instrumentulity.or entity
<br /> timlud{n�l.endcr.if l.cndcr ix such an instltution)or in any Federal Home l,oan Bank. Lender shall apply thc Funds to pay
<br /> tlx l:Mruw ltem�. L.endec muy not churge Borrower for holding und app{ying the Funds, annuully unalyzing the escrow
<br /> ''' w:cuunt,cx verifying thc �ticrow Itcros. unlcss Lender puys Borrower intcrest an thc Funds and applicablc law pern►its
<br /> I.ende�to muke xuch u churge. However,l.ender may rcquire Borrower to pay a one-ti�ne charge for an independent nal
<br /> ' s►trte tax rc�xxtinY rsr.rvice used by Le�uier in connection with this loan,unless applicable!aw provides othetwise. Unless an
<br /> M�rccnxnt Ix nwde ur appNcablc luw rcyuimc intcrest to bc paid,Lcndcr shnll not bc requircd to pay Borrowcr any interest or
<br /> rrn�in�{x on thc Funcis. Bnrcower und l.endcr may ugroc in writing,howcver,that intcnest shell be pald on the Funds. L.ender
<br /> -_ Rhwil Qive tu Hcxmwer.withnut churge,an annual accaunting of the Funds,showing credtts and debits to the Funds and the
<br /> = purp►�c ti►r whfch curh debit to thc Funds wus mudc. The Funds are pledged as additionnl security for ull sums secured by
<br /> . thir SMUrity In�trumcnt.
<br /> '!'�""'�""""'` !!'!ht f'ltsstls beld by l.cn�tcr�xceed the nm��mt� �+t'rmuted to hc heid by applicauic iaw. Lc��uc� �i�alS :1�G:.::��:.:.
<br /> � ��r�����LL H��rn►wcr fur the excetir Fund�in nccardance with the requirements of uppljcuble law. If the amount af the Funds held by
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<br /> ,{'�' :'-�"�"'��' Len�kr ut any time ix nin.uflicier,t to puy the Escrow Item+when due,Lender may so notify Banower in writing,and,in
<br /> • � .�{���.e N �; �uch ruM Hurn�wer�hull p:►y t�� l.ender the um�unt nccestiury to make up the deficiency. Borrower shatl make up the
<br /> , . ....._.. �ieticiency In no more than twe�ve mnntbly puyments,at Lender's sole discrctian.
<br /> 'T �• �� ll�►n puyoknt M full of ull,ums sewred by thi+ Sccuriry In�trument, Lender shall prompQy refund to Borrower any
<br /> �;'. F�unJ�:heid hy Ixnikr. If,unJer�rugruph 21.Lender xhall ucquire or+ell the Praperty,Lender, prior to the acquisition or
<br /> � +wle of'thc 1'nryxrty,yhull upply uny Funds held by LenJer at the time of acquisition or sale as a credit against the sums
<br /> sccumd by thi,tircurity In,trument.
<br /> ' J, Applk�tlon ot 1'aymenG�. Unicss applicublc luw pr�widrx otherwise,all payments rcceived by Lertder under
<br /> �nn....._�.........,..�.,. p B P pp Y P p Y � P Y
<br /> � aru ru hr 1 und 2.hull t►c a lied: tint,to an re a ment chur es due under the Note;second, to amounts a able under
<br /> rt� - pyruyraph 2;third,tu intcrc.t Juc:fuurth,tu principul dur:und lasl,to any latr charges due undcr the Notc.
<br /> 4. ChAry�eui I.Irnti. Borrowrr.hall pay ult tuxcs, a�sessments, churges. fines and imposipons attributable to the
<br /> , ,r�'#t�'-�'• {4r►�xny which n�ay uuain priority irver chi�Security Intitrument,and Iensehold payments or ground rents,if any. Borrower
<br /> _ tihull puy�hrr.c ot�lf�taNun,in ihr manuer pruvid�d in puragraph 2,or if not paid in thut manner.BoROwcr shall pay diem on
<br /> tink dlntitly �u�hr�xr,an uweJ paynunt. Burcowcr shall prompUy t'umish to Lender ull notices of amounts to be paid under
<br /> =�:��• • � ihi.�x�rugruph. 11'Horruwcr tnuke�the�c p;►ymentx directly,Borrower shall promptly fumish ro Lender mceipGc evidencing
<br /> � Ihc�wynkut�.
<br /> . . . Il��m�wrr�hull pnnnptly Jixhurtic�my lien which ha�priurity over this Security Instrument uniess Borrower:(a)agrees
<br /> ' in writinµlu IIk�ynknt uf�he uhligutiim k�urcd hy thc licn in a manner arcrptuble to Lendcr.(b)contests in goad faith the
<br /> � - hen hy,ur Jct��nd.uytuimt�ntiwrcmrnt��f ihc lirn in,lrgul pnxccding�which in thc Lendcr's opinian operate to prevent thc
<br /> -- ' �i•- CIIIINYCIIK'lll ul�hr lien;ur Irl krun+from thc hulJer of thr licn un ugrecmcnt tiutisfuctory to Lender subordtnating the lien
<br /> `'�*�� '� � tu dii�ti�tiurity InNru�ncnt. N'Lendcr detcmiiix+thut uny part uf thc Praperty iti subject to a licn which may attain prioriry
<br /> ;_ u�er thl.ti.tiurity In�trunknt.I.rixkr may givc Horrnwcr u noticc idrntifying the licn. Bonower shall sutisfy the lien or take
<br /> y INK lK IIUN1 ul�t►c xtfun�.rt 1�►rth uFwwr within lU Jays ot'thc gi��ing of nuti«. ..
<br /> " � �, 11wtNM or Nruprrly Inxur�ncr. BuRUwer�hull kcrp thr improvement�n��w exirting or hereaftcr crccted on the -
<br /> �," ,M ' ._ . (h��►ny In.urcd uµuin.l lu.�hy tirc,haiurJ� induJrJ within thr tcm�"cxtrnacd covcragc°and any othcr huzards,including
<br />.�- �,�,_. , _ , IIIMMJ�11r ��lM1lII11�, tur wl�irh i.�n�kr reyuirc�intiunmcc. '1'hi, insuruncc shull bc maintaincJ in thc amounts und for thc
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