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<br /> 'D0�f3BTl{8R WITH dl the impravementa now wr Aenattcr enected on the property.and a�e�sema►ta,app�urtcnurcc�.aad
<br /> Axturcn �w�v ar ture�fter a {sart ur thn prMxrty. All npluccments and u�ditlons elwll nisa be cavcred by this Stcurity
<br /> ln�trut�nt.All of the faregoing iR rcferred ta in this Security Instr�ment us tfte"Pcoperty.°
<br /> BnRRqWEEt CO�dqNAM`i S that 13arrower ie lawfully�seised af 1he sstute he�rby aneveycjcl and has thc r�ght to grunt unc{
<br /> cnnvey the Prope+ny and that thc Property is unencu�b�re�.exccpt far encumbranas of reccsrd. �rrower warrants and wlil
<br /> dcterKf gcncrally ttw tidc tco the Pmpaity against atl claims nmt demands.subjc;ct to any cncumbra�xcs of r�coed.
<br /> TIyIS SECURlTX IIVSTRUh1TsNT cambines wsiform rnvenxnts far nati�no!ase and non•anlform cavenanta with Iimite�
<br /> vadadons by jurisdlction tn consdtutc u uniforn►caurity Instcumcnt covedng rctil praperty
<br /> UNl�ORM COVBNANTS.Borrowerand I.endercavenant aixl�gree as fullows:
<br /> !. P�ymcnt ad Pelmtpd and Inteast; Prepwyment and I.Ate Chsrqee. Bnrrowcr nhall promptly pny when due the
<br /> principal of und iraerest an t!►e debt evideT►ced by the Note und uny prepayment c�nd late chnrg�v duo under the Note.
<br /> 2. Fl�nd+for Tiucw and ln�vrance.SubJaK to epplicable tuw or ta n written waiver by i.ender,Borrower shall pay to
<br /> I.end�r on thc dqy monthly p•ryments are duc underthe Note,until tha Notc iA p�id in fLll.a sum("Funds")for:(u)year�y tnxes
<br /> and assessmenta which awy utwin pr�ority over this Security Trtstr+�!�nent ns u lien on the Property;(b)ycarly leaschold paymente
<br /> or ground renta on the Property.if any;(c)yearly hazard or properry insur�ncx premiums:(d)yearly flood insurance premtums,
<br /> if uny; (e)yearly mactgage insurance premtums. ituny;und(�any�umv payubta by Bomower to Lendet,in acco�danco with
<br /> the pmvlsfons of paragmph 8.in tieu of the payment of mortguge insurance pr+emiums.These items ar+e c�llod "Escrow Items."
<br /> Lender may. ut any time.colloct and hold Funds in an amount not to eaceed the maximum amount n Iender for a federally
<br /> t�elatod mottgage loan muy requice for Borrower's escrow account under the fedeml Reul Estute Settlement Procedures Act of
<br /> 1974 ns wnended from time to tlme. 12 U.S.C.SecdQn Z601 et seq. ("RESPA").unless unother law that upplies to the Funds
<br /> �ts a lesser emnunt. !f so. Lender raay.at nny t�ue.m!lert aad hold Funds in nn nmaunt not to excc�ed the lesser amount.
<br /> Lender may estimate the umount of Funds due on the basis of cument duw und masonable estimates of c:apendItures�F fixture
<br /> Escrow Items or otherwise!n uc�rdenoa with r►pplicable luw.
<br /> The hunds shal! be held ia an Insdtution whose depostts are inwred by a federnl agency. instrumentality.or entity
<br /> (Imcluding[.ender.if Lender is such nn in�lttution)or in itr�y Federal Home Loan Bank. Lender shall apply the Funds to pay the
<br /> Escmw Items.Lender mt►y not churge Borrower for holding and applying the Furtds.annw�lly analyzing tl�e escrow acrount.or
<br /> vertfying the Escr+nw Items.tu�less i.ender pays Bomnwer interat on the Funds and applicable law permits l.ender to make such
<br /> a charge.However,i.ender may require Bomower to pay a one-time charge for an independent mal estete tau reporting service
<br /> used by I.ender in connectjon with this laan, unless uppli�xible taw provides otherwise. Unless an agreement is made or
<br /> upplicuble law requit�es interest to be paid,Lender shall not bc required to pay Borrower nny interest ar eamings on tl�e Funds.
<br /> Borrower and lxnder may,�gree in wrlting. however.that inte�est shall be paid on the Funds. Lender shall give to Borrower.
<br /> wIthou� cMrge,nn unr�unl�ru�ht;�g of the ���ruls, sh�+w}n�crediu and debits to the Funds and the putipose for which euch
<br /> deb3t ta the Funds was made.The Funds sue pled�ed zis uddittonal5ecuriry for all svms secured by this Security Ansuument.
<br /> If the Funds held by I.ender exceed the amounts permittod to be held by aFpiicuble Inw.Lender shall aceoant to Borrower
<br /> for the excess Funds in stccordanoe with the requiremenu of appltrable Inw. if the atnount of the Funds held by Lender at any
<br /> tirt►e is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing,and, in such pse Bomo�ver
<br /> stutll pay to Lender the acaount rtecessary to malce up the deficiency. Borrower shall make up the deficiency in no mam than
<br /> twelve monthly p3yments,at L'ender's sole discretion.
<br /> Upon payment in full of all sums secur�ed by this Security Instru�nent. I.ender shall promptly refimd to Borrower any
<br /> Funds held by Lender.If.under paragraph 21.i.ender shall ucquire ar sell the Ptoperty.I.ender.pr�or to the acquisitIon or snte
<br /> of the Pcuperty,shnll apply nny Funds held 6y Le�er ut the time of ncquisition or sale as a credit a�ainst the sums serured by
<br /> this Securiry Inurument.
<br /> 3. ApplicaUon oi Pnymente.Unless up�licaMe law provides othenvisc.s�ll paymenu received by I.ender under paragraphs
<br /> 1 and 2 shnll be applied: first.to any prepayntent charges due under the Note: second.to amounts payabie under paragraph 2:
<br /> thi�+d,to interest duc;founh.to principal due;and lost,to any late char�es due under the Noie.
<br /> 4.Chatges; Liens. Borrower shall pay all toxes,nss�sments,charges, fines and impositions attributable to the Property
<br /> which may attain prlority over this Secudty Insuument, and Icasehold payments or ground rents, if any.Borrower shall pt�y
<br /> these obligations in the manncr provided in paragraph 2,or if not paid in that manner,Borrower shall pay them on time directly
<br /> w the perse�n owed payment.Bomower shall pmmptly turnish to[.ender ali notices of amounts to be paid under this par.�graph.
<br /> If Bon+nwer makes these payments direcdy,Bomo�ver shall pr�omptly furnish to Lender receipts evidencin�the payments.
<br /> Borrower shsill promptly discharge any 1 ien which has priority over this 5ecurity Insmiment unless Borro�ver.(a)s�rees in
<br /> writi�to the payment of the obli�ation secured by ttie lien in u m:snner acceptable to Ixnder,(b)rnntests in good faith the lien "i
<br /> by. or defenJs n�ainst enforrement of the lien in, legal proceedings �vhich i� the L.ender's opinion opernte to prevent the .
<br /> enforoement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to l.crtder subordimatin�the lien to ;`R=
<br /> this Securiry Instruraent. [f Lender determirtes tbat uny part of the Property is subject to u lien which may atcain priority nver ��=
<br /> this Security Instn�ment.Lender may gi�•e Borrower a notice identifying the lien. Bomower shall satisfy the lien or take ane or ?�,�
<br /> more of the actions set farth above within 10 days of tBe�iving of notice. -
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