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<br />= "� TOGki1'1iGR WITtI nll the improvementti n�w ur hereafter erected on the property, and uU euscmentti, uppurtenances, un
<br /> fixwre� now or het'caPtcr n purt uf ihe pr<�pertl�• All reQlaccments iind additions shull ulna be covered by thi�: Security
<br /> •"'� � in,trumcnt. All of the forcgoing i+rcferrcd lc�in this�csarity]nstrumem.�s the "Pmperty."
<br /> BORROWER COV FNA NTS ihut enrn�u�er is Ic��vfully sciscd uf th�:estiitc hcrcby canveycd and hcts thc right to grant und �
<br /> - ccmvcy d►c Prc�perty und that thc Praperty is unencumh:rud, cxccpt for cncumbranccs of rccorJ. Bnrruwer war�unt, and r1i11
<br /> T�' .,� defend genernlly the title ta the Pmperty n_e,ainst ull etf�ims and demands, subject co any ericumbr:mces of rccc�rd.
<br /> ;-� THIS SF.CURITY INSTRUMFNT combines uniii�rn�covenant�foe national use unJ nun-uniform covenants with limited
<br />, - variutions by jurisdiction ro c�nstitute u unifnrm aecuriry instrumcnt covcring rcal prU�erty.
<br /> .�•� UNiFORM COVENANTS. Borr�tiver and[.endF1 covenunt and ngrce ati folluws:
<br /> , 1. Payment oP F'rincipwl and Intcreht; Prr,NaYment and Late Churges. Borrowcr shull promptly pay when duo the
<br /> °� princ�pal of nnd interest onihc dcbt evidenc�eai by thx Pd��to nnd any pmpnyment and lute charges dua under the Notc.
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<br /> -•"� 2.Funtls for Txxey and Dtsut'anne. Sutllt�ct tn �pplicable IAw or to a written waiver by I..ender, Borrower shttll pay to
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<br /> �±•;� Lender on the day monthly paymcnts are dut�untl�r cht Note,until thc Note is paid in Ful l,A sum("Funds") far:(u)year y taxes
<br />.�t;�tr • and assessnxnts which may uttnin priority m�cr this�Sucurity [nstrument as a lien an the Prop�rty:(b)yearly le�uehold payments
<br />--====� ar ground rents an the Property.if an�:(c)ye3r1)'hr.zard or property insurance premiums;(d)yearly flocxt insurance premiums,
<br /> �;;�Y„�� if uny;(e)yrady mortgage insurcu�ce premiums, if anY: and(�any sums payuble by Borrower ro 4ender, in nccord�nce with —
<br />-,�:y� the provisions of pamgrapl�8,in licu of th:.papm:nt of mnrtga�e insuraoce premiums. These items are called"Escrow Items."
<br />�'`�� — L.ender may. ut any «me,colloct and hald Punds in an amount not to exceed the manimum amount a lender for a federally
<br /> x � rclated mortgage loan may raquirc fnr Bnrmwer's escrow sccount under the feder.il Real Estate Settlement Procedures Act of
<br />'~°'� 1974 as:umended f�am tinx ta timc. 1?U.S.�_ S;etian 2601 et seg•("R�SPA"), unless another luw that applies to the Funds
<br /> sets a lesser:uiwunt. IP so, Lender tnay. at any time. wllect und hald Funds in an amount not to exceed the lesser nmaunt.
<br />_�_��'"� l.ender msy cstimatc the amount of Fun�s duc on thc basis of current data and reasanable estimates of cxpenditures of future
<br /> - — Escrow Items or otherwise in uccordmice with applicable law.
<br /> Thc Funds shaU be held in an institutian H�hose deposits ure insured by a federal agency, instrumentality. or entity
<br /> (including Lender, if Le�der is such un instinitlun)or in any Kederal Home I.oan Bank. Lender shall apply the Funds to pay the
<br /> Escrow Items. Lender m�y Rot cliarg�Bnrroa�er for holding and applying the Funds,unnua�ly analyzing the escrow account,or
<br /> verifyin�the Escrow Itcros, unless l.endev pvys Borrower interest on the Funds and applicable law permits Lender to make such
<br /> a charge. Huwc�c;,L�:�cr sr'a;; r�iaise Bc+rr�+"!'r r��,ay a one-time charse for an independent real estate tax reporting service
<br /> used by Lender in conncctian with this loan, unless applicable law provides otherwise. Unless an agreement is mado or
<br /> applicable law requires interest to be paid, Lender s4�a11 not be r�quircd to pay Boerower any interest or eamings on tho Funds.
<br /> Borrower and I.ender may agree in w�itin}:.ho�+•ev�r, thut interest shull be puid on the Funds. L.ender shall give to 8orrowtr,
<br /> without cliarge, an annual accaunting af the Funds. showing cre�its nnd debits to the Funds and the purpose for whlch each
<br /> debit to the Funds was made.Tlzt�Fun:9s a�e pledged as additional security for all sumc secured by this Securlty Inshumant.
<br /> If the Funcls hel�i hy I.rnder axci;�J che amvunts permitted to be held by npplicable law,Lender shall account to Borrower
<br /> for the excess Funds in accordaxice with the requin.�m�ents of applicable law. tt the amount oi�htl Fuu�la�tiai3�y Lcndcr s:�y
<br /> time is not sufGcient to pay ehe Bscro�v Items a�hen�lae.Lender may so notify Borrower in writing,a�ul,in such case Borrower
<br /> shall px�• to Ixnder tne wnvunt ne+:�-���+ry co mal;e up the deficiency. Borcower shall make up the deficiency in no more than
<br /> twelve m�nthly payments,at l.enclsrr's sflfe disccetion.
<br /> Upon payment in full of all uams secured by this Security Inst*ument, Lender shall promptly refund to Bonower any
<br /> Funds held by Lender.. If,undes raragraph 2 f. Lender shall ncquire or scll the Property,Lender, prior ro th:,acquisition or sale
<br /> of the Property, shall apply mi)'Fun3s held by Lender at the time of acquisition or salo as a credit against the sums secured by
<br /> this Secutity Instrument,
<br /> 3. Applicotion of P�yma�ts.Unl:ss applicable law provides otherwise,all payments mceived by Lender under puragmphs
<br /> I and 2 sliall be applied:Gtr.t, ta xny prepayment charges due undcr the Note;second.to amounts payable under parngrtiph 2:
<br /> third,to interest due; faunh,ta principal due:and last,to uny late char�es due under the Nate.
<br /> 4. Ctw�rges; Llens.Bo�rmwer sl�all pay all taxes, assessments,charges, fines and impositions attributable to the Property
<br /> which may ntu►in priariq' OVCi' tI115 Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay
<br /> these obligations in th�t mz��rn:t'p.rovided in paragr.►ph 2,or if not paid in that manner, &�crowcr shall pay them on time dircctly
<br /> ro the person owc:d paiy+n:nt.Borrower shull promptly fumish to Lender all notices of umounts to be paid under this paragraph.
<br /> — If Bormwcr mak+�v ttwtec p3ymcnts directly,Bonnwer shall promptly furnish to Lender rcceipts evidencing the payments.
<br /> Borrower sh:+ll�rumptly discharge any lien which has priority over this Securiry Instrument unless Borrower: (a)agrces in
<br /> � writing to thc payn�¢nt of the obligation securai by the licn in n manner acccptuble to Lcnder;(b)contests in goud faith the licn
<br /> •.:.���� by. or dcfends against enforcement of the lien in, lcgal proceedings which in the Lcnder's opinion operatc to prevent the
<br /> -'��'�� enforcement of the lien;or(c) secures from the holder of thc lien an agrcement satisf�ctory to Lcnder subordinatin�the lien to
<br />==— -= this Security Instrument.If Lender determines t{�at any part of the Property is subjo�t co a lien which may attain priority over
<br /> v'a� this Security Instn�mer.t.Lender may give Burrow•er a notice identifying thc lien.Borrowcr shall wtisfy tho lien or talce one or
<br />=k'''°=�"°'�� more<�f the actions set forth above within t0 dx��s of thc giving of noticc.
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