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<br /> Te�RTHF.R �4'ITH el!the impravemants now or hereafter crccud on the property.�and a1l e7�m�"11te.ep1pu�rte�n+��d
<br /> fixtures rtflw on c�renfter a part of the propeRy. All te�lacemants und o.dditioms r.hNl also be covere.d by Q+ia Sr�;u�lty
<br /> irestrument.All of the fore$oing js eefcrr�ta i n tl�is Securiry Instrument ns the"Property."
<br /> BORROWBIt COVENANTS th�t Borrowcr is luwfully se[scd of tha estnte hereby conveycd and ha.g the dgln to gmnt and
<br /> canvey the Property tind that the Pcbperty is unencumbered.except for encumbrnnce.s aP record. Borrower warrnnts and wiEl
<br /> dofend grrcerally the tlde to the Property ag�inst alt cleims and demunds.subject to any encumbrnnces of record.
<br /> THIS SECURITY INSTRUMENT combines uniform cavenuntv for natlonal use und non-uniYarm covcnnnts with limlud
<br /> varintion9�+y jnritdieti�n eo constitute e uniforrn secudty(acicument cover�ng real property.
<br /> UMFORM COVENANTS. Borrowcr und I.ender covenant und ugree s�s followg:
<br /> 1.F'ayment ot Princip�l wnd Interest: PregAyment und I.Rte Charg�. Horrower shatl promptty pay when due the
<br /> princlpul of and interest an the debt ovtdencc�by thc Notc and uny prepnyment and late churges duc under thc Note.
<br /> 2.F�unds tor Tax�s and lrrsuranoe. SubJat to applicuble law or to a written wuivcr by Lender. Borrower shall pny to
<br /> Lender on the dny monthly puymentR arc due undcr thc Nota.unt[I the Natc is Esnid in Il�ll,a su�n("Funds">fur:(u>ycsufy taxes
<br /> nnd nsscs.cmenta which may ntwin priarity uvcr tMs Securlty G�strument u.g o Ucn on the Praperty;Ib)ycady leuseh�ld paymcntti
<br /> or ground rents on the Prnperty, if uny;(c)yeculy hururd or pmperty insumnce premiumr+;(d)ycarly flocxf i�sumrece premiums.
<br /> if any: (e)ycarly rnortgugc inyumi2cc premfu�ais,ii'uny:and tfl uny hums puyublc by ti�nrowcr ai L.cndcr. in ucrurdnnco with
<br /> the provision�uf paru�ri►ph R,tn licu oi tho paymcnt ot'murtg+�gc Intiuruucc�rcmiumy. 'fhcsc itcros arc called"F.scn�w Itcros."
<br /> i.endc;r muy, ut uny tinte. l'11IICCt ititld hlfill FUII�IH In un nnmunt �un to cxcecd thc muxlmum i+n�ount u Icndcr fi�r+� fcderaily
<br /> relatrd ittc�ctgnge lnan may rcyuirc li�r�orrower'n ��uruw uccuunt und�r Qtc tcderal Rcul E?stutn Setdemcnt Pra:cdurcs Act of
<br /> 1974 us amendcd from time t��timc. 12 U.S.C.ScrUon 2bQl et scr�. ("R��PA"), unlcws another law that uppHes ta thc Fundy
<br /> sct�u t��sscr uimruat. IP nu, tx�tdcr rnny. at ony timc, raltcct and h:�id Fundn in�n aranuni not tn excr,.c,�i thc Icascr umounc.
<br /> I.ender muy estimmte the umaunt of Funda du�on the buvi�of current dutu c►nd re:i.+ottuble estimutcw of expendlturcs of future
<br /> Escrow Items ac othenvise in accurdunc�with:�pplicubic luw.
<br /> The Funds shall bc hcld in an institution whos� deposits ure insured by n fedeml agency. instrumentality. or entity
<br /> (including Lender.if Lender is such cin institution) ar in uny Fedeml Hnme Iw�an Bsuik. Lender shail apply the Funds to puy the
<br /> Escrow Items. l.cndcr muy not churge Borrower for holding and applying the Funds,unnu�lly c�nulyzin�the escraw account,or
<br /> verifying the Escrow Items,unless Lender pays Barrower Interest on the Funds and applicable law pertnit�Lender tu makr suci•
<br /> a charge. However,Lender may reyuire Borrower to pay u one-time chfsrge for un lndependent real estate tux reporting service
<br /> used by Lender in connection with this loan, unless applicable law provides atherwise. Unless nn ngreement is mude or .�:
<br /> appllcuble law mc�uires interest to be paid.Lender shdl not be required to pay Borrower any jnterest or earnings on the Funds.
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<br /> Borrower and Lender may agree in wdting,how�ver, that interest sh�ll bc paid on the Funds. Lender shalt�ive to Borrower.
<br /> witttaut char�e,an antsna!acrnusosi�g oF ihe Fuitds.st:na�ing c:e�llts and d�bits !o the F�!ndc nnd the purgose for whieh peh
<br /> debit to the Funds wes made.The Funds:►re pledged ac additional secur�ty For ull sums secured by this Security Instrument. :�
<br /> If the Funds hedd by I.ender exceecl che amounts pernutted to be held by uppl[cnble law, L.ender shall account to Borrower
<br /> for the excess Funds in accordance with the requirements of applicuble luw. If the amount of the Funds held by Lender at any
<br /> tjme is not suffictent to pay the Escrow Items when due.Lender may so notify Borrower in wrlting.und,in such cuse Borrower
<br /> shall pay to Lender the amount necessary to make up the deficicncy. Borrower shall make up the deficiency in no more than '.;'.
<br /> twelve monthly payments�at Lender's sole dtscretion. �,'f-
<br /> Upon payment in fuil of all sums secured by this Security Instrument. Lender shatl promptly refund to Bornower any
<br /> '��' � Funds held by Lender.If.under paragraph 21,Lender shall acquire or sell the Property.Lender,prior to the acqufsitton or sale ��''�'
<br /> °�;d;�. of the Property,shell apply any Funds held by Lender at the time of acquisition or sale as u credit against the sums secured by "
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<br /> this Security Instrument.
<br /> 3.Applicetion of Payments.Unless applicablc law pravides otherwlse.all payments rec�ived by I.ender under para�raphs
<br /> 1 aad 2 sl�ali be applied: first,to uny prepayrnent charges due under the Note:second, to sunounts payable under paragraph 2:
<br /> thlyd.ta interest due: fourth.to principal due: und last, to any late charges due under the Note. '
<br /> - 4.Charges; Llens. Borrower shalf pay all taxes. ussessments,charges, fines und impositions attributable to the Property '"`'
<br /> which may attain prtority over this Security Instrument,and[ea.tiehold payments ur ground renu, if any. Barrower shall pay ��'".
<br /> __��; �,��:a these obli�ations in the mnnner pmv[ded in paragraph 2,or if nat paid in that rnunncr,Bonower shall pay them on tittie directly
<br /> -�•. �.� to the person owed payment.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this pnrngraph.
<br /> """' If Borrower makes these a ments dirextl Borrower shall rom N furnish to Lender recei ts evidencin the a ments.
<br /> �n:r,....r;; P Y Y• P P Y P� B P Y .
<br /> {z?t:',,,:,,.` Borrowershall promptly discharge any lien which has priorlty over this Security Instrument unless Borrower:ta)u�rees in
<br /> '`'�s�`!�'''�= writing to the pnyment of the obligation secured by the lien in a manner acceptnble to T.ender; (b)contests in good faith the lien
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<br /> � -°•"��- by. or defends a�uinst enfomement of the lien in,legal proceedings which in the C.ender's opinion operate to prevent the
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<br /> '0���•�'.�''" enforcement of the 1[en; or(c)secures from the holder of the lien an a�reement satisfactory to Lender subordinatin�the lien to
<br /> ;���� '�� this Securlry Instrument. If I.ender determines thut eny pan of thc Property is subject to u licn wh{ch may uttnin priarity over
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<br /> •.- • ". this Security Instrument. Lendei� may give 8orrower a notice identifying thc lien.Borrowcr shall sutisfy thc lien or take one or .
<br /> ,�s.•���;r�"� ���i���=;, more of the actions set forth above within 10 days of thc giving of notice.
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