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<br />- TOOE'fHER WITH all�ho improvcmenta now or hereaftcr crec�od an�he prcipenY�pnd ull cASCmcrns.appurtcnance�.
<br /> and flaturcs�w or hercaper a pnrt of tho pmperly. Ali rcpiKemente rnd addili�►na�hpll�Iw►be covcred by Ihis Security
<br /> In�wmenl. Ail of the fotcgnfnQ i�rcferted to in Ihi�Secu�ity Inxwm�ml aR�he"Property:
<br /> BORItOWER COV�NANTS tiw�Barower i�Inwfally�eisal of the es�ute hercby u+nveyed und hax Ihc d�ht�o grant
<br /> _ __ _ rnd canvey iho Pn�Ctty u�1�hallhe ProPenY ia uneoeumbered.o�tcepl for encumbrances of rocord. Barrower warrant�uid
<br /> wNl dePend generally�ho Utlo lo�he Pro�erty AQaMst all cluimr And demancic.�;ubjc�t ro any encumMances of recad.
<br /> ;� THIS SECURITY IN4TRUM�NT rnmbfnes unifarm cc�vcns�nt� for national us�c und non-unifonn cove�anis with
<br /> �-�-�-- limital vpriaNnnx by Jurixdfclion to catrtiwte u unlfarm secu�i�y inslrument covering reul pmpeny.
<br /> UNIFORM COVBNANTS. Borruwc�wnd Lender covetwnt and agree ns fallawa:
<br /> -- - 1. P�ymeal a�Prlactpd and laten�t;Pirepsymeat �ad I.pte Cluir¢ea. Bocrower shall promp�ly pay when due�he
<br /> -- -�- - principn1 of smd intercat on the deM evidenced by the Note and any prepayment und lale chargea due under the Nde.
<br /> 2. F�nds ft►r 71►xer w�d lowrrace. SubJect to applicablc law or to u wrinen wAiver by Lender.Borrower ahall psy to
<br /> Lender on Ihc duy muntbly payments are due under the Note,untN the Note is pnid in WII.a eum("Funds")for. (a)yeurly
<br /> ��� taxea nnd�xse.rsmem�which mAy wt�in pdority aver this Siecu�ity Insuument as a lien on tha Property;(b)yenrly leasehold
<br /> — payments or ground ren�s oa thc Prapeny, if any: (c) yeerly hezerd �r praperty inxurance premiums:ld) yesirly flood
<br /> A� � � — insu�nce premiums,ii' nny; (e) yetuly monQoge insurance pr+emiums, ii uny; und(� uny sums puyoble by Borrower to
<br /> �""'�'""��Q7� Lender.in accordence wilh the provlsiana of paragtuph 8,in lieu of�hepuyment of mortgpge insurnnce premiums. These
<br /> ilems arc called"Escrow Items.' Lender may.�t any time,collect und hold f�nds in an amount not to excced�he maximum
<br /> emcwnt a lender for o federally related mortgage lonn may requfre for Borrower's escrow account under t6e iedeml Reul
<br /> Fstate Settlement Procedures Act of 1974 as amended from time lo time, 12 U.S.C.�2601 ei seq.("RESPA").unless another
<br /> ����� law that applics to the FLnd�seta a lesser amount. If r,o,Lender moy.a�uny time.collext and hold Funds in un umounl na to
<br /> ------- excoa! the lesser amcwnt. Lendcr moy esUmatc Ihc emount of Funds due on the basis of cutrent dul� ond reawrwble
<br /> � �s =�-=-"'� est�mates of expenditures of[uturo Escrow itema or dherwis�In�ccordance wlth applicubk IAw.
<br /> - - 7fie Funds xhaN be held in an instiwtion whose deposils orc insured by a federal ugency,insuumcntality. or entity
<br /> ` - -=--� (including L.ender.if Lender ia such an inslitution)or in any Federal Homa Loan Bank. Lender shali apply the Funds to pay
<br /> �:.__�+°. ,,,��,. "'-� the Escrow Items. I.ender muy not chorge Borrower for halding And applying the Fuods. annually unnlyzing the escrow
<br /> —__ =�M.:�_+ account.or verifying the Escrow Items. unless Lender pays Borrawer interest an lhe Funds and applicoble law permlts
<br /> �� =� Lender to make auch a charge. However,Lender may require Borrower to pay a one-Nme charge for un independrnt renl
<br /> - esu►te tax reporting service used by L.ender fn connection with Ihls loan,unless applicable luw provides otherwfse. Unless un
<br /> --�._;��-,,;�Y..��;�, agreement Is made or upplicablc law rcquires intcrest to be paid.Lender shall nat be requircd to pay Bormwer any inte�+ect or
<br /> ;�r, #+r;�� - � � eamings on the Funds. Borrower nnd l.ender muy ugree in wdting,however,that interest shs►II be paid on the Funds. Lender
<br /> .��"�f,;.?';1e. � shall give to Borrawer. without charge,an unnual accountbg of�he Funds,�;howing cnedlts und debits lo �he Funds and Ute
<br /> �.�y�3,,�, , �� purpose for which each debit to the FLnds was made. The I�ndr ace pledged as additional security for all sums secured by
<br /> izt ��.� this Secudry Inswment.
<br /> ���!�-�_�-� i if the FLnds Ixld by L.ender exceed the amounts permiued to bc held by opplicable law, Lender shull acwunt to
<br /> ��' "''!�' Borrower for�he eacess Punds in accordance with the requirements of applic�ble law. li the umoun[of�hc Fun�s i�rid by
<br /> � �'� " Lender at any time is not sufticient to pay the Escrow Uems when due. Lender muy w�notify Borrower in writing,and,in
<br /> `�,��,���;��, such case BoROwer ahall pay to Lender 1he umoun[ necessary to make up the deficiency. Borrower shall make up the
<br /> � de�ciency in no more than twelve momhly payments,nt l.ender's sole dlscretion.
<br /> � Upon pnyment in full of ull sums secured by this Security Instrument,Lender shall promptly refund ta Borrower any
<br /> •� •° I Funds held by Lender. If,under paragrc►ph 21.Lender shull acquirc or sell the Property,Lender,prior to Ihe ucquisition or
<br /> � �� `"° sale of�he Property,shall Apply any Funds held by Lender at �he time of acquisition or sale as a credit against the Rums
<br /> `� �� �''' secured by this Security Inawment.
<br /> � ,„�'d,:A' .='1���. 3. Application uf Payments. Unless applicable law provides otherwise, all puyments received by l.ender under
<br /> a�as..,,� • .u�,�c1r�:; paragraphs I and 2 shall be npplied:first.�o uny prepayment charges due under the Note;second,to umounts payuble under
<br /> _ �°"�**-=•�. ' • � poragraph 2;third,to interest due;fourth,to principal due;and la.s�,to any lete charges due under the Note.
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<br /> �� ._ . _. ; I 4. Cdarges; Liens. Bomower shull pny afl taaes, assessments. churges, fines and impositions attribuwble to thc
<br /> :.s, y'(� �:,: I Propeny which may anain prior�ty over ti�is Security losuurnent,and lensehold payments or ground rents.if any. Borrower
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<br />_�._ .,,.�4.� a, � shnll pay these oblig�tions in�he msinner provided ln puragraph 2,or if not paid in that mrnner, Borrower shall pny them on
<br /> dme directly to the person owed payment. Borrower shall promptly fumish to Lender all notices of amounts to be paid under
<br /> ''�` �' 1';`� this paragruph. If Borrower makes these payments directly.Dorrower shall promptly fumish ro Lender receipts evidencing
<br /> . :�;,;r . n.; , the payments.
<br /> ��- Borrower shn11 promptly dischurge any lien which has prioriry over this Securiry In�wment unless Borrower.(A)agrees
<br /> �'� �.;,�;•:.�'• �� in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,(b)contests in good faith the
<br /> �� i�'�.:i;'�,, � lien by.or defends egainst enforcement of the lien in, legal proceedings which in the Lende�'s opinian operate to prevent the
<br /> _. ,,...• ' ! enforcement of the Ikn;or(c)secures from the holder of the lien an agreement satisfuctory to Lender subordinating the lien
<br /> .•=�I� to this Secu�ty Insuument. If Lendcr determincs that uny part at the Property is subject to a lien which may uttain priority
<br />- '.+'�� , � over this Security lnatrument,Lender may give B�rrower a nolice identifying the lien. Barower shull satisfy the lien or take
<br /> one or more of the actions set fath above within 10 duys of the giving of notice.
<br /> • � `� Y� 5. Hazard ar Property Insurance. Barrower shall keep the improvements now existing or hereufter erected on the
<br /> —� 5�:..����:P�"':'�• � , i Property insured against loss by fire,haz�rds included within the�erm"eatended coverage" and uny other hazards,including
<br /> -� � ..� . � floods or flooding,for which Lender requires insurance, This insurence shall be mainlained in the amounls und for the
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