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<br /> TOt�kc-THER WITH dl the Impravemente now or h�eneftM �racled on the prop�rty,�� �N ae�an�nb, appurtm�nc.�s, r►nd
<br /> fixturoa now or haeeRer e pert ol the property.A11 re�Mcxnents end additicns ehatl el3o bo covered hy thls 8eeurity Inelreiment.
<br /> A!I o1 thie tu�epolnp le relerred ta In thla 9dcurily Inatnimmt�s the"PropeRy."
<br /> FlQRR�VJEfl COVENANI'8 fhqt I�arrnwer Is fa•rAully oelted oi tho estete heieby conveycd end has Iho rtpht io ��runt a��d _
<br /> convay lhe PropMy s�id thwt the Nrope�ly Is un�ncumbcr�d, [�xce�t I�r cncurnbr++nco� of rceord. Oorro�vcr�•�mn;nln nnc! vrl'I ___
<br /> delend pener�lly the titte to Ilia Property e�dnst all clafine and damande, aubJect Io eny encumbrence3 oi reoord.
<br /> TIilB 3ECURITV IN3TRUMENt' oo�tilbinee unllorrn cuvr+'i�nte tor n�tlonol use and non•uniform coren�nts wlth Iknit+d
<br /> vartalione by Ju�iedlctlon ta conslNut�.n r�nflnrm�ecurlty In�trum�nt covKlnp real property.
<br /> UNIFQRM CO�NANT9, BoROwer anci Lender cayenant�nd aprer ae follows:
<br /> 1.P�ymsnt of Principd �od Int�r��; Pnp�ym�nt �nd L�t� Ch�r���. Bonower ahnll promptiy pay wh�n
<br /> dua tlio Rrinclpal of�nd Intares�t on the debt evldenced by lhe Note and any prep�yment�nd lete chrrgea due i�ndsr Ihe Nutr.
<br /> $� Fund�tor 7ax�� snd Inaur�na�. Subject to eppFcsble irw or lo w wr�lte,r�wslvcr by l.�nder. Oorrati��cr aha!t p�y �--
<br /> to Lender on the day mpnthy p�yments �n du• untler lhe Not�, untN th� Not�Is p+�d In tull,� eum ("Funde') tor: (�) ye�rT�l
<br /> taxea and aaeesemeaits wh�h may ntt�tn prlority aver Ihle Securfty Inatrument�a a Iien on the Froperty; (b) yNrly Ieas�hoid
<br /> payments or ground remte on the Froperty, N�ny; (o) yeady h�zerd or property Inaurance promlume; (d) yeuy Nood Ineur�nce
<br /> premlums,il eny;(e�ye�riy mo�tpe�e Innur�noe Wremlusna,It any;end(fj any sume pwyabte by Bonowec to Lende��In ecaordance
<br /> wRh tha provislons of parAgraph B, In Neu of ihe p+rymnnt oT mortgage insunnce premlums. Thn�e Iteme �rn c�Ned 'Eaarow
<br /> Itom�.' Lender msy, at eny tlme, coH�ct �ad hold Funde In en Nmnunt not to excaed the maxtmum arnaunt � lander tor s
<br /> federeYy ret�ted mortgage la�n muy reyu(re for Bortower'e escrow account unda the tederal He�!1 EetnM SettlMnenl Procaduro�
<br /> Act of 1974 aa�mended from tMne to Ikne,12 U.S.C.�2801 et.aaq. ('RESPA'), u�lees onother lew that �ppl'�ss to the Funda
<br /> eets e leaser emount. If eo, l.ender m�y, �t nny time, coMect and fiald Funda In an�mount not to excAed the leeeer amaunt.
<br /> Lendx may ealknate the emount of Funds due on the t,aals of cun9nt datu and reasonnhle estknatea o}axpendituras of tutura
<br /> Eecrow Items ar otha+cwlye In aecord�nce wkh app4eeble I�w.
<br /> Tha Funda shwll ho heid tn on MsiHutlon whose de�osits are InRUrod by e tedrx�l agnncy,Insitument�Yty,or entlry(k�cludinp
<br /> Lenda, it Lender la such en inaNtutlon) w In�ny Fedenl Home Laan B�nk. Lunder shail appy the Funds to Qay the Eacrow
<br /> Rems.Lender may na1 chupe Barower for holding and appyir►p!hA Funds, annually anatyzing the eatxnw �ccount, or verityhg
<br /> the tacrow Itema, unlesa Le�der p�ys Bo�rowei' Inte�esl an ttta Funds :nd epp!lcsblr. law pwm4ts Len�nr ta rt►�ke auch �
<br /> charga. hiowever, Lender may requlre dortower to pay a one�ilmo charge for en Independent real est�t� t� reporting asrvfce
<br /> usad by Lender h� oonnectbn wHh thla Ioan, unless RppWcabla law provid�s atherwise. Unioaa an �preement Is mads or
<br /> eppAcable lAw requires.lnterest to i�e pald, Lender sheN nat 6e reyuired to pey Barrower eny Interest or ermings on lhe�unds.
<br /> 9arower �nd Le�dar may agrea M writing, however, thet Intarest ahall bR p�ld on tha Funds. 4onder nhW pive to Borrower,
<br /> w�thout oherge,an �nnu�l ecr.ountin9 of the Funda, ehowing cred(te and ddbite to the FuntM t�nd the purpeee fa wh�h aflch
<br /> debit ta iha�unda waa made. The Funds are pledged as edditinnni security tor aIP sums secured hy ihe Snaudty Instrument.
<br /> If tHe Fu�ids hetd by Lendx exceed the amounts pormitt�d to Be held by�prMc�ble IRw�LQndor sh� �ccount to Bomaw�r .
<br /> tor the excess fundr, kt eccord�nce with the requkements of wpNceble i�w. If thn ►mount ol the Funds hdd by Len�er at �ny
<br /> tlme i� not sutt'�ent to pA�the Escrow Itwns when due, Lender tn�y so notNy Bortower In wrRMg,a�d, M such cass Borrowx
<br /> eheA pay to Lender the amount necesaary to make up the defldency. BuROwer sh�ll m�ke up the defielsney In no more/hm
<br /> tweNe monthly paymenta, �t Lender's sole discretlon.
<br /> Upon payment In tull of eN suma secured by thls SecurHy inatrument, Lend� sh�ll prompUy rdund to 8orrower any Fund�
<br /> �y�h� �,,..���. !�, �n�,��.,tp�.r,h?�, i nndK shall acqutre or suN lhe Propabr. Lender,p�iqr to the acqulsilion or sab ot the
<br /> P�opaty, shaN appy.�ny Funds held by Lender t�t.liio.tkne ot xcqutsiNan or a�le aa� credi!a9einst the sums eaxirsd by tM�
<br /> . Security inalrum�nt.: . • .,;;
<br /> 3. AppllC�tlO'fl Of P�ym�nts. Untesa ap�llcable 41w provldea olhei5nllse, all payrt►ente �scefved 7iy Lender undK :....:
<br /> � puagrapho 1 �nd 2 shdl be 4+plied; Brat, to any prep�yment ohnrga due undet the Notr, s�c:ond,to unountfr p�yabk under � �,�
<br /> prrn�raph 2;thkd,ta Niterost du�; tourth,to prk►cipd tlw;and iaG1,4a eny late chuws du�under the Note. - • ''
<br /> 4. Ch��q�l;_'�1.i�n0. Oorrower ahaN pay aR tutea. �sseaimenta� clur�a, tktes �nd NtiposNiona �ttrAwtabie to the , f"
<br /> Propaty whtch rtwiy�•At4�in priordyr aver thb SewNty�nateum�nt,and IqaeAold paymmb or yround ra►te�M any. 8ortowK shaC '�,:•if:
<br /> pay thpe obMgaMo��s!n the tnrmK provid�d in ��h 2. or H not p�W In that mmner, Botrow� snd psy th«n on.Ynw _ • � .
<br /> directly to the penon owed p�yrnant. Bortower ahaN promptly fumish to Lt�dnr �1 noUce�of rmounte to be pvd und�r thb
<br /> p�nyra�ph. If 6orrower m�k�s th�so p�yments &�ctly, DorTOwar ah�ll promptty iumi�h to Lender nceiph evidendny t1w .
<br /> �oarymaita.
<br /> 8ortowa ahall prort�ply diecnarpe eny Hen which hss priortty over thla S�curiry Instrum�nt unwss BorrowK: (r) �prs�s In
<br /> wridnp to the payment of Me obRg�Hon eecured by tha Nen In a m�nn�r accept�bf�to Len�; (b) co�tesU in qooa hRh tM
<br /> i� hy, or dMaxla ag�inat enlorcenwnt of the tlen in, leyal proceedhge wtrk;h tn the Lender's opk►lon opx�te to prw�nt th�
<br /> . enlorcen►nnt of th�Ne�i; or(e)t�cwea trom►he hdtder of the Nen en�greesna�t s�Uni�ntory to lender wborc�n�lfnQ th�Nw►to
<br /> �� : (his S�cwMy hutrumunt: H Londx date�minea that Any part af.tila.F'�opxty is subjecl to a Nen whlch m�y�tt�M� pr{orky ovw'tMs
<br /> . • Se�cw+ly InsUvmuit, Lendor tn�y�IYa .Rortowet a rlotice ident�ty'in[i:thm Men. 8aroww shaN satirfy the Nen or Wc�on�a mon ot
<br /> tbe�ctlona set torth�bo��wNhb�"1D'dnya of thp gHinp at notiao:. . `•.,
<br /> . 6. Hszard or PrOp�rty'1�lsura�fei.�8drrower ahaN Keep the knprovemmts now eklsi(�q cx hllj�M}Rer�nct�d on tM .
<br /> Prop�rty Insurod sg�kist Wsa by tke, hazarde lpal.ucied wrihin ihe term 'extwtded covernpe";aitd�ny qtf�er�t�wrds, k�dudn9 .
<br /> ' Aood� or Aoodlnp,for whkh Lend�r requirea instrronoe. Thla inaurncs ahaY be m�kririnKl f! th4 amount��alld for th�palods
<br /> that I.st►der roquirh. The Insuru�ce cartbr RroVking th�Insurance eh�M be ohas•x� by Bqttowir su6�:t �to I.andrr'�appwM
<br /> whlch�.ghaM not ba unre�sonrbly •wkhheM. M Borrowsr teNe to m�M�t�in covbruqo d�oalboc!,fbov�, Und�maY• rt Und�'s
<br /> opUori,;:obtaNt cov�9e xo p�ote�t�`Lenderb riyhts h the Ptoperty.lt��ccord�nce with pa►aqro�ph�7.
<br /> `AN Inauanee poYeies end raraawals ahad:be`iaceWUbl� to Lender�nd sh�tl hdud� a etsnd�d mortp�ge dws�. LendK
<br /> � shaq have the ri9ht to hold:he palldes and r4nowats. H Le�der tpukes, Borrower ahaM prompdy give to 1.e�der�II rsaipts of .
<br /> ' •� pafd.premiume and renew�notkea. In tha event of lose,Borrower ehall give pratnpt nodce to th�fneunu�ce caMK�nd L�nder.
<br /> L�ntlrr may m�ke praot of loas i}.not.mede pro.mpNy by Borro+a�r.
<br /> Unless L�nder �nd Sornowar otherwlse apree M wrklny, Inaunnce proaeeds ahiJl be applled lo reftontk�n or rspair o1 1h•
<br /> WopMty dam�gad. H tha rosiaul(on;.ar re�k I� ecAnomtuNy ter3ibN Rnd Lendor'a security ia:npt leasened.N the restaetlon,a
<br /> rep�k ts aot economlceiHy 1n�albl� ar Lender's tncurity would ba I�soned, the Insurance proceod�ah�M bs applkd ta the�ums
<br /> secutsd by tn�s Securlty InsAVment� whether a�►not then due, wNh �ny excess pel3 to Oarrower. H BArrnwer abandon�tho
<br /> Property, or doa� �ot answer wkt�ln$0 di►ys s natice from Lendrx thet tha Insurence cerrler has oHerecO 4a eorile a daNn, then
<br /> Lender r►wy coNeaY the Insur�nce p�oaepds. L�enda mry use the proceeda to repafr or reatcra the Prq�cr�y or to pay auma
<br /> secured by thls Secudry Instrumont,u�hether or�ot then due. Tho 30•day pabd wNl begin w.h�en the nntlao.0 glven. ,
<br /> Unlsss Lendx �nd Bottower otherwlse egn►e In wdting, eny oppNcatlon of procceqa •1¢ prindpat ehaN not exteriel or
<br /> poalpone the due data of the monthy pa�to referred to M pareprophs 1 snd 2 or change the amou�t:bf the psym�fltd. If
<br /> under p�ngra,�h 21 th� Ropeity Is Roqu{rad by Lender, Boirower'a rlpht to�ny Insurance polic� �nd proeeeds maukfng irom
<br /> dam�gw to thb Properry priar ta the acqulsfti�on ah�ll pess to Lender to ihe exta►t ot the sume by tnfa Sec�uriry InsWment
<br /> Imrrrocl�totyy pdor to the acqulsNlon.
<br /> _"y__ � a�_ ' p____''__�r �w�ae.
<br /> s. vcaupancy� YnSCrYiR�II� i►�aitri�nanai wlta rrVi�ttitts�■ tn uw r�ar���s� ..v.r..:.�.� �
<br /> Appliaation; Leaseh0ldl. Oorrower shnll occupy, estubF.sh, and use the Prape�ty aE Borrowee's prMdpal rcsldcr.ce wilhln
<br /> sixry days aker the execution of thls Securily Instrument end ahaY contlnuo to occupy tho Roperty as 9orrower's pr(nclpel
<br /> resldence tor at ledst ono year aRer tho dato of oecupency, unlass Lende�r othe»wlse ag�es In wrfting, whlch cansent shaN not
<br /> be unra�sonably withheld,or untesa extenuating ckcumstances exlsl whlch are boyond Flortower's control. Bortcwe+' eht�N noi
<br /> desVay,dam�g�or fmpQk the Property,aNaw the PropeKy ta detertoraite, or commft waste on the Roperiy.BoROwer shnM be in
<br /> defauk II nny todeiture uctlon or proceeding, whether civi or cdrt►Inal, Ie begun lhet In Londer's good feilh Wdgment could reauft
<br /> in lorintture ot the Propeny or otherwlse mate�lally Impelr the Ilen creatud by thls Secur!ry Instrument or Lender s securriy Interest.
<br /> F1JtG.LMO(3/9B) Cago 2 0l 5
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