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<br /> Td(iFiTHER WiTH all ctie improvcments now or hereafter erectcd on the property.and all ea.tiements, appurtenances,and
<br /> fixtures now or hercafter a part of the propeny. All replacements and ndditions shuU also tsa:coverec! by this Security _..
<br /> Instruimnt. All af the foregoing is referrcd to in this Security Instrument as the"Propeny."
<br /> BORROWER COVENANTS that B�naXCr is lawfully seised of thc estate hereby canveycd and has the right ta grant and
<br /> convey the Property and that. the Propcay is unencumbered. except for encumbrances of record. Borrower warrants and wi��
<br /> defend generally the title to the Property against all claitn5 nnd demands, subject to any encumbrances of record.
<br /> THIS SECURITY INSTRUMENT combines unifurm covenants for national use and non-unifurm covenunts with limitod
<br /> variatians by jurisdicciun to constit�tc u uniiorm security instn►mcnt covcring rcal property.
<br /> UNIFORM COVENANTS. Horrower and Lcnderment and Late Charges�Barrower shall prompdy pay when duc the
<br /> 1. PAyment of i'rincfpal and Interelst; Prepay
<br /> principal of and interest on the debt evidcnced by the Note and any prepaymcnt and late charges due under the Note.
<br /> 2. Funds foc Taxes and Insurance. Subject to applicable law or to a written waiver by Lendor,Barrower sh�lf p`�eo
<br /> � Lender on the day monthly payments are due under the Note,until the Note is paid in full.a sum("�unds") for:(a)y y
<br /> and assessments which may attain priority over this Securiry instrument as n lien on the Pcoperty; (b)year�Y leasehold paymencs
<br /> or ground rents on thc Property, if any;(c)yearly hazard or property insurance premiums;(d)yearly tlood insurance premiuiiu.
<br /> if any: (e)yearly mortgogc insurance premiums, if any; and(�any su�ns payable by Borrower to Lender. in accardanc�with
<br /> the provisions of paragtaph 8,in lieu of the payment of mortgage insurancc premiums. These itemsare callal"�scrow Items."
<br /> I.ender may, at any time. collect and hold Funds in an amount not to exceed the maximum amaunt a lender for a federally
<br /> related mortgage lo�n rtay reyuire for Bonower's escrow accottnt under tt�e federal Real Estate Settlement Proceciures Act of
<br /> 1974 as amendeci�'com time to timc, l2 U.S.C. Section 2601 et seq. ("RESPA"),urtless anotlxr law that applie,to the Funds
<br /> sets a lesser amount. If so. Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount.
<br /> Lender may estimate the amount af Funds due on the basis of currcnt dutu and reasonable estimates of expenditures of future
<br /> Escrow Items or atherwise in accordance vaith applicablc law.
<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency,instrumentality. or entity
<br /> �in�iu3�ag�,er.s�er,if�.�n�!cr��s�!rh nn institutionl or in a��v Fe,�leral Home Loan Bank. I.cndcr shall apply the Funds to pay the
<br /> Escrow Items. Lender may not charge Borrower for holding and applying tha Funds,annually analyting tne cscmw aci�,um�c�
<br /> ve�iiying[iie Cscroev Itcros. unless LendPr pAyc}i�rrower interest on the Funds and applicable law permits Lender ta malce such
<br /> a charge. However, I.ender may require 13orrower to pay a one-time charge for un indcpendent real estate tax report�nB s�ry�ce
<br /> used by I.encier in connection with this loan, unless applicable law provides otherwise. TJnless an agreement is made ur
<br /> applicable law nequins interest to be paid.Lendcr shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> i Borrower and Lender may agree in writing,however, that interest shall 6c paid on the Funds.Lendcr shall give to Borrowec.
<br /> wid�out charge, an annual aceounting of the Funds,showing cre�its and dcbits to the Funds and�he purpose fot which cach
<br /> ' debit ta the Funds was made.The Funds are plcdged as additional security for all sums secured by this Security Lnstrument.
<br /> ' If the Funds held by L.ender excetd the amounts petmittat to be held by applicable law.Lender shall account to Botrower
<br /> for the excess Funds in accordance with the rcquirements of applicable law. if the amount of the Furxls held by i.ender at any
<br /> tinx is not sufficient to pay the Escrow Items when due,L.ender may so notify Borrower in writing,aad,iu such case Borrow+a
<br /> = shali pay to Lendar the umount necessary to make up the deficiency. Bonower shall nwlce up tfu d�ficiency in no mort thai►
<br /> tw•elve rnonthly payments,at Lender's sole discretion. •
<br /> Upon payment in full of all sums secure� by this Security Instcument, Lender shall prornptly refund to 8orrower anY
<br /> Funds held by 1.ender.If,under{saragraph 21,Lender shall acquiro or seU the Properly,I.endtr. prior ro the acquisition or sak
<br /> of the Property,�all apply uny Funds held by[.ender at the time of acyuisition or sale as a crodit against the sums securod by
<br /> � this Securiry Instrument.
<br /> � 3.Applicatbn ot Payments.Unless applic�blc law�rovides otherwise.all payments reccivedby Lender aixler paragraphs
<br /> � 1 and 2 shall be applied: tirst, to any prepayment charges due undor the Note; second,to amounts payable under paragraph Z;
<br /> . third,to interest due:fourth,to principal due:and last.to any late chargGS due under the Note.
<br /> 4.C6arges;Lia�s.Bo�rower shall pay all taxes, assessments, charges, fines and impositions attributable to d�e PropertY
<br /> .� which may attain priority over this Secudty Instrwnent, and lcasehold payments or sround renu,ff eny. Borrower shell pay
<br /> ; ttxse obligations ii�the manner provided in para�raph 2,or if not paid in that manner.Bonower shall pxy them on time directly
<br /> to the person owed payment.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
<br /> If Borrower roakes these payments ditxtly,Bonower shell promptly furnish to Lendcr receipts evidencing the paymtnts.
<br /> Borrowor shaU promptly dtscharge any lien which has priority over this Sccurity Instrument unless Borrower:(a)agras in
<br /> � ,writing to the payment of the obligation secured by the lien in a manner aceeptable to Leixler;(b}oontests in good faith the lien
<br /> by, ar defends against enforcement of the licn in, lcgal procecdings which in tlr� Lender's opinion operate to prevent the
<br /> enfoccement of the lien;ar(c) sexures from the holder of the lien un agceement satisf�ctory to I..ender subordinxting the lien to
<br /> this Security instrument. If i.ender detem�ines that Hny pait of the Property is subject to a lien which may actxin priority over
<br /> this 5ecurity Instrument, Lender may give 8orrower a notice identifying the lie►a.Bornawer shall sntisfy the lien or take ane or
<br /> � more of the actions set forth above within 10 days of the giving of notice.
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