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<br /> '1'OU��N�'ti all ttio irnprovertunts now or txreafter erestr.d on the praperty,and all eascment�,apQurtnunces,
<br /> � �nd fixturea naw or bcre�fter e pert of the propecty. AU rcpl�cements atd addIttom stt�ll Also 6o cnvexrd by thls Security
<br /> Instrumen� AU nf the fongoing is refemet!to ia thi�3ecnr[ry Instrument a ehc"Aropertyr."
<br /> BORRQWBR CQV�NANTS that Bomuwer ia lawii�fly aeiaed of the e9tato hercby conveyGd�nd da9 tlie tigh�to�aat
<br /> w�l convey t6a pr+aperty uM that tha Propeny la wxncumberod.eacept for�ncumbnncea af rxord. Harower wur�nu aad
<br /> -�__ T will defend�rene�all�t}�a dtio to the Property a}�a�nst a11 cleim.v and demnnd�,sub,�ect w any encum�rances of mcotd.
<br /> THIS SflCURITY..INSTRUMSNT combLus unifarm coveiw►ts for natEonal use ancf non-uniform covenants with
<br /> limited vuladons by ju�lsdfat�qn to constItuu a uniform sxurtry instrun�one covering reA1 pmperty.
<br /> UNIFORM C�\iENAt�'t'S, Aomower end Lender covenant end ugne as followa:
<br /> 1. Payment o�Ihi�rc[�1 atd I�termk Prepayexnt and�.ate Char�w. Hosowcr shall promptly pay wtlen duo tha
<br /> prinai�of anr�inu�est on ehe debt eviclenced by the Note and any pnpaymene and late charges due under tl�e Note.
<br /> H'Yu��as Zlucs�d lnsuranoe. Sut�f sct to appticable!nw or to a wdtten waivcr by Leader.Boimwer shall pay co
<br /> `�°'°� Len,der on tha day monthly Qayments are due under the Note,until the Note ia paid in fuU,a sum("Pl�ads")for.(a)yearly
<br /> texes attd assessmenis wi�iich may attein prlorIty over thjs Security Instrument as a Iten on tlie Propctty:(b)yearly leasehold
<br /> paycttoats or gmund crats on tke Pmpertyr. if eay: (c) Yeatly huznrd or pmperty iasurance premiumst (d) Yearly Qaod
<br /> inswu�ce pr�emlums, if any; (e)yearly mortgaEe inswonco premiums.if any:und(� uny sw�os paynble by Bonawer to
<br /> Lender.in aceordance with the provlslona of pamg�+ph 8,ia lIeu of tha payasenc of mortgage ineurauce premiums. 7'hese
<br /> Items�e cnlled^Fscraw Items." Lender may�ut any time,coUect and hold Fnads in an amount aot to eaceed the maximum
<br /> atnount a lendAr fol�,a fedeially celated�mortgage loan may cequira:for Botrower�s escrow account u�er the federal Repl
<br /> __ __- ,�_--_ Bstata Seiticmcn�Arccduzes�lct of 1974 as amended from dme to dme.12 U.S.C.§2601 et seq.("RBSPA").ualess enother .
<br /> _ law thut appl�es to ttas E+�nds eets a lesser eraouat If so,Lender muy.st any time,coUxt aad bold Funds in an amauat not to
<br /> aaceed the lesser amounG I,er.der may estlmate the amount af Funds due on the basia of cuuent data and reasonabie
<br /> esdmates of expend�wres of fu�uo Bsccvw Inems or otherwise in accordance with appltcable law.
<br /> The Punds shaU be held in aa iassitution whose deposlts are insured by u federal agency.instrumentaUty. or endry
<br /> (inclnding i.ender.if I.euder ia such an instiwtlon)or in uny FederW Home Loan Bauk. I.cnder shaU apply the Funds w pay -
<br /> _ — the Hscrow Items. L.ender�pay Qot charge Bonower far holding and applying tbe Fwids.anuunlly analyzing the escmw
<br /> accocutt, ar vecifyrtng the Fscmw Items. unless L.eader paya Botzovuer iriterest on the Pbnds end applicable law pem�its
<br /> Lenrt�r to n+�o such a cQarge. However,Lender may requim Borrower to puy a one-dme charge for an independent mal
<br /> estate taa��iZ,�service used by Leader in connecdon wlth this loan.unless applIcuble law provides otherwlse. Unless an
<br /> ap,c�ement is rt�ade or appllcuble law requires intemst ro be paid.Lender shall rtot be requined W pay Bom�wer any interest or
<br /> eacnings on We Funds. Bornuwer and Lender muy agree ia wrid�s.however.that interest shall be paid on the Flmds. Lender
<br /> -- shciU give w Boirower.withvact chacge.an anaunl acconn�ng of the Ptmds,showtng credlts aad debits to the�nds r�td We
<br />_ _�
<br /> __- '° pv:g�e fas�.�Sic�e�cls�s�sks Fundo s��m�de. Tl�e As��sre pledg$d��ddlt��nal secssrisy fur s!!sn:ns s�tlre�by ---=---
<br /> this Securlry Instcumen�
<br />- If th�t Rt�d.�held by i.ender exoeed We araounts permltted to be held by applicable law.Lender shall account to
<br /> Borrowet For t�sacess Ptinds�a acooadance wlth the mqui�+ements of applIcable law. If tlie amount of the Fiun:ds held by
<br /> Lender at any ti�ne is aot safficlent to pay the Escrow Items when due.Leader may so aodfy Boirower in wridn�.and.in
<br /> such cose Bamower shap pay to L.ender the sunount necessary to make up the deficiency. Boaower shall make up the ---
<br /> , � daSctency In no mare t�2n fiv,��ye montlily payments,at Lander's sole dIscredon. ___
<br /> Upon paya�ent�n ful6 of�11 sums sec�red by this Sec�uity Insttumen�Lender shall pmmpdy refund to Borrower any _
<br /> F�nds held by Lemder. If, undet patiagraph 21,Lender shaU acquire or sell the Property.Lender.prFor to the ucquis{tion or Ei._::
<br /> sete of the Pmperiy. shaU appiy any Funds held by Lender ut the time of acquis[tion ar sule as a ccpdit against the sums �;__��
<br /> � secu�ed by this Securtty Instru�nea� ��_:_
<br /> + 3. Appllcatlon of E',n�nenta Unless applIcable law pmvides otherwise, all payments received by I.ertder under �t'��
<br /> ��' paragtaphs 1 and 2 shal!be a�s�ied:first,to any prepayment chnrges due under the Note;second.to amounts payable under
<br /> pa�raph 2;thitd,w interest d�te;fourth.to priscipal due:uad last,to nny tate chnrges due under the Note. �._:
<br /> 4. ChargPS;Lieas Borrower �It�ll pay all texes,assessu�ents,chruges. fiaes titttd Imposidons atulbutabte to the �'��i
<br /> Ptoperty whicb anay attaia prioriry over ehis Security Insuumen�and leusehold payments or�roui�d rents.�f any. Borrower �`�_,_
<br /> ahall pay these obligations in tlte maaner prov[ded in paragrsph 2.or If not paid In that manner,Borrower shall pay them on
<br /> t�e dIrectly W the person oa•ed payment Borrower shell prompdy furnIsd to Leader all not�ces of amounts to be paid under -
<br /> � th3s paragtaph. If Bornower makes these payments direttly, Borrower shall promptly fumish to Lender receipts evidencing .�r:'r
<br /> ,
<br /> tha�aymeats. ��y�'.
<br /> Bonuwer shall promp4ly disct�arge any lten which has prioriry over this Security Inswment unless Bonower.(a)agre�s :�y�.
<br /> in wridng to�e paym�ent of the abligation secuied by the lien in a manner acceptable to Lender,(b)contesta in good fuith the -
<br /> _ — lieu by,or defeads against enforcement of the lien in.legal pmceedings which in the I.ender's opinion opertue to prevent the �
<br /> ����,�� ercf�orcement of the lien;or(c)secures from the holder of the lien nn ugreement sat�sf�ctory to Lender subordinatin�the Iten ` �;
<br /> r,,.�j. to rthis Security Inswmen� IIf'Lender determines that any part of the Pco cty is subject to a lien which muy attain pr�orlty
<br /> over th[s Secw�ity lnswment,�.ender may give Borrower n nodce Identl�g the lien. Borrower shatt setisfy the lien or take ;_
<br /> one or more of the actioas set fotth above withtn 10 days of the giving of notice.
<br /> "-v S. Aaz�rd or Propetty Insurance. Borrower shall keep the improveraents aow exisdng or he�eafter enected on the ,
<br /> Propcity insumct agafnst loss by fire,hazurds iQCluded within the term"eatertded coveroge"and any other hauuds.including
<br /> �,,,, �loods or flooding,for vrhich Lender requires insurance. This insurance shaU be mainwined in the amounts and for the ; ;;;;
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