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<br /> TOGETHER WITH all the improvements now or hereafter erected on tha property, and all e��n�s,appunenances,and
<br /> fixtura now or herexher a put of the propeny. All repinaerncnti uiid :uiditions sh:ill alsa b:. covora! by this Sesuriey,
<br /> Ine►rument. All of the forogoing is referrcd to in thie Securi�y Instrument as the"Propcny.'
<br /> BORROWER C:OVBNANTS thu Borrower is lawfully ceiscd of the cstatc hcrcby c�nvcycd und hus�h� right to grant a�id
<br /> convCy the Propeny and that [he Property Is unencumbered,except for encumbrances af record. Borrower warrants and will
<br /> dofend eener�liy the dde to the Prapeny agalnst all claims and demands, subject to any encumbrances of record. _
<br /> THIS SECURITY IN5TItUMENT combines uniform covenants far national use and non-uniform covenants with limited
<br /> variuions by Juri�iction to constltute a uniform security Instrurnent covering reAl praperty.
<br /> UNIFORM COVENANTS.Borrower and Lender wveaant end agrec as follaws:
<br /> 1. Ryaent af Principwl and Interah Prepoyment�nd I.ate Char�es. Barrower shall pnimptly pay when due thc
<br /> princip�l of and in�crest an the deht ovldenced by che Noie and any prep�yment and lato charges due under the Note.
<br /> 2. �'undi for Taxes and lnsut�nce. Subject to applicable law or to a written waivcr by Lendtr, borrower shall pay to
<br /> L.ender on the day monthly payments are due under tt�c Note,until tha Note is�aid in full.a sum('Funds")for:(a)ycarly taxes
<br /> and assessmentc which may aitain priortcy over this Security InstNment as a lien on cbc Propeny;(b)yearly Icasehold pnyments
<br /> vr ground rents on the Property, If any; (c)yearly hazard ar property insurance premlums;(d)yeazly tlooct insurance premiums,
<br /> if�ny;(e)yeuly mangage insurance premiums, if any;and(�any sums payable by&�rrower to Lender, in accordance with
<br /> the provision�of paragraph 8,in lir.0 nf thr.payman! of morcgage insucance premiuma. These items are called"Escrow ltems."
<br /> Lender may, et any time, coll�ct and hald Funds fn an amount not to exceed the ma�cxmum amount a lender for a federally
<br /> rel�tact mortg+ge loan may require for Bonower's escrow account under the faleral l�e:sd Estate Sectltment Procedures Act of
<br /> 1974 u amencbd from time to time, 12 U.S.C. Section 2601 er seq. ("RESPA"),unless another law that Applies to the Funds _
<br /> sets a laser imount. If so, Lender may, at any time, wllett and hold �und�in an amount not to eacc�ed the tesser amount.
<br /> I.cnder may atirmte the amount of Fnnds due on the basis of current data and nasonable estimatGS of eapenditures of fim�re
<br /> 6scrow Items or otherwise in accordaace with applicable law.
<br /> The Funds shall be beld in aa instirution whose deposits are insured by a federal agency, instrumentality, or cntity
<br /> (including Lendes,if l.tnder is such an institution)or in any Federal Home Lo�n Bank. Lender shall apply the Fun�s to pay the
<br /> Escrow Items.Lendar may not charge Bonowcr far holding md applying the Funds,annu�lly analyzing �lhe eicrow aCCOUnt, or
<br /> verifying the EscroH� Items,unless Lender pay�s Borrower inurest on the Funds and applicable law permits Lender to make such
<br /> +t charge. Hovever, I..ender may require Borrawer to pay a one-time chuge for an independent ral aute nx rcponing urviee
<br /> wad by Lezxkr in connecdon with this loan, unless appliczble law pravides othenvisc. [inlcss �n agreemcnt is mado or
<br /> applic�ble lAw roquircs interest to be paid,Lcnder shall noc be require�to pay 9onower any interest or earnings on the Funds.
<br /> Borrower utd L.ender may agra in writing,however, that imerest sh�ll be paid on the Funds. Lender shall give to Borrower,
<br /> w3thout charae, an umwl �ccounting of tho Funds, showina credits and d�blts to the Funds and t2u pucpose for which each
<br /> Liw�i So Ihe F:.���Was msde.'!'he Fur�ls are plzdg!'d ae ivl�iir(nnal r.e�urit��f�r all c��mc cecpml hv ihic 5ecurity Ins►rumen[.
<br /> lf the Fwxls held by Lender excad the amounts permitted co be held by applicable law, L.ender shall accounc[o Bonower
<br /> for tdae exxss Funds in accordance with the requinments af ipp8cable law. if the unount of ehe Fwds held by Lender at my
<br /> time is nut sufficient to pay the Escrow Items when due,l.ender may so no�iiFy Bonower in writing, aad. in such cue Horrower
<br /> �.�..-. .w� .�.�..;.m.v A�nn�urr ehall mak�nr the deficienCV In n(1 mo�+e lhan
<br /> �� ay co Lenclar tn�amouni necesaa,y i� ;��,..�,.Y . • _,.
<br /> twelve montbly payments,at Lender's snle discre[ion.
<br /> Upon p�yment in full of a11 sums secured by this Saurity Instrument, Lender sh�ll prompcly retund to Borrower my
<br /> Funds htld by Lender.If,under pu�agraph 21,L.endcr slull uQuire or seU the Property�, I.er�der.priac ta che acquisidon or sale
<br /> of the Ptoperry, shall ipply any Funds luld by Lender ot the tirne of acquisition or sale u a credit a�tdnst the sutns secund by
<br /> chis Securiry lascmment.
<br /> 3.Appllatlao of Paymeats.Unless applicable law provida otherwise, all payments received by Lender under puragr�phs
<br /> 1 �nd 2 sh�ll be applied: fint, to any prtip�yment charga due uader the Note;second, to unouau p�yable uader par�graph 2;
<br /> thiid,to intemt due: fourth,co princip�l due;and lasc, to any late chuges due under the Note.
<br /> q. Cbor{es;Liens. Borrower sh�ll pay all taxes. usassmrnts. charges, fines u�d imposi[ions �b tbe Property
<br /> wh(ch may at�in priority over this Securiry iiisuvment,u►�1 Ieu�hold payments or ground rents, iPiny. r shall pay
<br /> . ' tt�ae obligations in the mwikr provided in paragraph 2,or i(not paid in tha�muiner,Borrower shal l p�y them on time dimtly
<br /> ,.. • to ttie person owed payment. Borrower sh�ll promptly fumish tu l.endcr�ll notices of amounts to be piid unda this puagr�ph.
<br /> tf Horrower m�lces these paymenu direcdy,Fk�rrower shdl prornpdy furnish to l.ander receipts evidencing the payments.
<br /> Bormwer sb�ii promptly dischuge an��lien which hu pdority over this Securiry Instrumeat unless Bomnwer.(a)agroes in
<br /> writing co the payment of th�oblig�tion secured by the lien in a rt�nner acceptable to Lender; (b)contescs in good faith the lien
<br /> by, or defer,Js agvnst enforcement of the lien in, leg�l procadings w��ich in the L�nder's opinion opente to pnvent the
<br /> datorcanent of tbe lien;or(c)secuns from the holder of t3ie lien an agreement satisfoctory u� I.ender subordinat�g the lien to
<br /> d�is 5a�rity Instrument. If Lender decertnines that any pare of ihe Property is subject�o�lien which nszy actai,n px�arity over
<br /> this Securiry lnsen�ment, Lender may give Borrower a noticc identifying tho lien. Borrower shali suisfy the liea e�r 3�al;e one or
<br /> more of the accions set fonh above within 10 days of the giving of notice.�
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