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<br /> TOC:E1'HBR R'1'1'M ail the improvemcnts now or hereatter erc�:eed cm the pr�perty, end dll rasemcnte,
<br /> appurtenancc3,anJ fixtures now ur hereeftcr e part of the property.All replacemente nnd additinnA Khell alru�!�c rovered
<br /> hy thie Security In�trumCne.�►U oG the furCgc�ing�s referr�J to�n this�ecuri2y Insrcrumcnt as thu"Prr��rty."
<br /> aURROWFR t"OVF?NAN7'5 that liorrower is lawiully seised of the �ute heceby canveyeJ and hes tho right to
<br /> grant and convey th�FrAperty end thst tha Property is unencumbered,except for enciimbre.nces at recnrd. liorrowcr
<br /> werrsnts and will defend generaUy tho title to the Property egainst all claims end demands,subje�:t tn eny encumbrances
<br /> uf record.
<br /> THIS SECU1tITY INS'I'RUMENT combincs uniform coven�nts far nation$1 use end non-unif�rm covennnta��ith
<br /> limited variations by jurisdiction to constituto a uni[orm security instrument covering real property. _
<br /> UNLFOItM COVENAN'TS.Darrower and I.ender covenant and agrce as�ollows: _
<br /> 1.Payment of Principal aad Interest;Prepsyment snd I.�te Ch�r�e�. I3orrower shell promptly pay when due
<br /> the pxincipal of and intcrest on tha debt evidencect by the Notr,,nnd any prepayment and late charges due under the Note.
<br /> 2.Funds [or Taxes and Insur�nce. Subject to applicable Inw or to a aritten wniver by I.endec, Borrower shall
<br /> Qy ta I,endcr on the day monthly paymenu nra due under the Note,until the Kate is paid in Eull,a sum ("Funds")tor:
<br /> (a)yearly texes and assessments which m�y attain priority over this Sxurity lnstrument as a lien on the Propecty;(b)
<br /> yearly leasehold payments or ground rents on the Property, i[nny;(c)yearly hazard or property insurance premiuma;
<br /> (d)yearly tlood ineuranca premiume,ii nny; (e)yearly mortgage insurance premiums,if any;and(f)any sums payable --
<br /> by Borrower to Lender,in nccordance with tha provisions of paragraph 8,in lieu af tha payment of mortgage insurance
<br /> premi�ms.These itema are called "Escrow Items."Lender m�ay,at any time,collect and hold Funds in an amuunt not
<br /> to excad the maximum amount a lender for a federally related m�ortgaga loan may require tor Bonower's escrow
<br /> account under the federad Real P.stata Settlement Procedures Act of 1974 as nrnendcd from time to time, 12 U.S.C.
<br /> Sectxmn 2601 et seq. �"RESPA"), unless another law that applies to the Funds sets a lesser amount.It so,Lend�r may,
<br /> at any time,collect and hold Fund�in en amount not to exceed the lesser emount.Lender mey estimete the amount of
<br /> Funcls due on the basia of current data and ceasonable estimates�f expenditures of future Escrow Items or atherwise in
<br /> accordance with applicable law.
<br /> The Funds stull be held in an institution whose dcposits are insured by a federal agency,inatrumentelity.or antity
<br /> (iacluding Lendcr,if I,ender is�uch an institution)or in any Pederal Home Loan► $attk.I.ender shnl!apply tha Funds to
<br /> pey ihe Escrow Items.I.ender may not chnrge Borrow�r[or holding nnd applying the Funds, anntully analyzing the
<br /> escrow eccount.or veriiying t�e 1{scrow Iums,uniess 3�eader paye isonower►aurest on the Funds and appiicable Iaw
<br /> permite T.ender to make auch a charge. However, I.easder mny require Borrower to pay e one-time charge for en
<br /> independent rr.a;e::ixtC taY reporting servico used Uq I.ender in conn�:ion with this laan,unlcss applicahle law provides
<br /> ott�crwix.Unleas an agrxment is made or applict�ble law requires interest to be paid,Lender shall not be roquired to
<br /> pay Borrowcr any intereat or eamings on thc Fuads.Bosrowar and I,ender may agroc in writing,however,thatinter�t
<br />- sheE!�e paid on the Funda.I.ender shall give to Borrower,without cliarge, an annu�l accounting of the Funds,showin�
<br /> ' crr,class aad debits to the Funds and the pvrpose f�r which each debit to the Fuads was made.The Funds are plodgcd as
<br /> additionel eecurity for sll aums exured by this Security Inatrument.
<br /> U the Funde hold by Lendcr exceod the amovnts permittal to be held by applicable lnw, Lenda shell account to
<br /> � Borcower tor the exces9 F�unds in accordance with the requirements af eppliceble lew.It the amount of tht Funds held
<br /> ` by L.ender at any timc is not sufficient to pay the Bscrow Iteme when due. I,ender may so notify Botrowcr in writing,
<br /> = and, in such case Bortower ahnll pay ta Lendcr the araount necessery to make�np the deiiciency.Borcawer ehall mafte
<br /> : up the deficienc;y in ao mure thaa twelve monthly payments,at Lender's sole discretion.
<br /> - Upon payment in full of all sums securad by tlue Security Instrument.Lender ahall promptlp retund to Borrawer
<br /> �, anp Funda held by Leader. If, under paragcaph 21, I,eader shall nc<�wt� or scll the Property, Lendor, prior to the
<br /> acquisition or sale�f the Property,ahall apply any Funds held by Lender et tne timo of acquisition or rsle as�credit
<br /> - agninst the sums sxured by this Security instrument.
<br /> � 3.Applicatian of Paycr�ents,[.Tpless applicablo laN provides otherwise,all payments received by Lender under
<br /> paregraphs 1 and 2 shall ba applied:fir4t,to eny prepayment charges due under the Note;second, to emounts payeble _
<br /> under paragraph 2;third,to interest due;fourth,to principal due;and last,tn any late charges due under the Note.
<br /> �. Ch�r6ee; Liene. Borrower ehall pay all taxes, sssessmente, cliarges,tinec�end imposiiions ettributable to the
<br /> Property which mny nttain priority over this Security Instrument, and leasehold payments or ground rente, if any.
<br /> $orrower shall pay thesc:obligations in the manner provided in paragraph 2,or if not paid in that manaer, Rorrower
<br /> shel� pay them on time dirr.ctly to tho person owed payment.Borrower shall pr�arnptly furnish to Lender ell notices of
<br /> � amounta to b�peid uader this paragraph.If Bonower mskes these payments direatly,Borrawer shall promptly furnish
<br /> � to I.ender receipts evidencing the payments.
<br /> Iiorrower shell promptly discherge any lien which hes priority over this Security Instrument unless Aorrowor:(a)
<br /> agrees in writing to the payment of the obligation secured by the lian in a manner accoptable to Lender; (b)contests in
<br /> good feitt►the lien by,or dofende againot enforcement of the lien in, legal proceedings which in the I,ender's opinion
<br /> operate to prevent the enfor�csment of the lien;or(c)secures from th�holder of the lien an agreerncnt satisfactory to
<br /> �, Lender subc�rdinating the lien to thie Sec:urity Inetrument,If I.,ender determines that any part of th�Property is subjeet -
<br /> , to a lien which mey attain priority over thia Security Instrument,Lender may give Bonower a notice identifying the -
<br /> lian. Borrow�r shal! satisfy thc lien or take ona or more of the actione set forth above within 10 da}•s of the giving of
<br /> noticc.
<br /> Fam SO !1 '
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