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<br /> TiX'l8'I'HER WiTH all thc improvcnxnte now or hereaRer emtctid on the praperty,unci uU cascnxnh,appuitKrwnccs, :uxl
<br /> fixtures now ar IxrcaRer � pan of'the praperty. All rcpl�cenxnts uncl aciditlans shall ulw he covcrcil by thiw Securlty
<br /> Instnrmem.All oPihe faregoing is rcfe�red to in this S:curfty Instrument as the"Prop�ny."
<br /> [tORR01VER CpVENAN'I'S tlwt Fiurror:er is lawfulty sciscd o�'thc est�te hevehy conveyecl iind ha+the right to Krunt unt!
<br /> convey ttie Propeny and that the Property is unencumbercd. eacept far encumbrance�af reaird. Burrower warr�nls ancl w111
<br /> defend generally Ihe title ta the Prc►perty agninst all cluims and demands,subjcet ta any encumbrances of record.
<br /> THIS SECURI'1'Y INSTRUM6NT cornbines unlform covenanis for national use und non-uniforni cu�•enants with limitod
<br /> variations by jurisdletion to constitute z�;r,��vrrci xcurity instcument covering real property.
<br /> UNIFORM COVBNANTS.Borro•rner:�d Lender covenant and agn�as follows:
<br /> 1. Poyment oi P�inetp¢t aed 1��st; 1'repsy�uatt aad Late C6�r�es. f3on�wcr shaU pmmpQy pay when due the
<br /> principal of and interest or�rrc debt evidenoai by tbe Nate w�d any prepayment ucd late chavges due under the Note.
<br /> 2. E�nd�for'I'�uces and Insurauce.Swbject ta a�lir�►ble law ar to a written waiver by Le�uler, Borrower shall p�y to
<br /> Lender on the day monthly pnymeats�re dc�c under tt+e i�artt, until the Note is paid in fuU,a sum("Funds")far:(a)yearly taxcs
<br /> and assessments which may nttain priav'�.r�over this Security ins►n�ment as a lien on the Property: (b)yearly leasehold payments
<br /> or ground rents on the Property.if any;•;e}yearly hazard or propeity iiuurance premiums:(d)yearly flood insurance pnmlums.
<br /> � if any: (e)yeady mortgage insurance pctimiwus. if arsy;and (fl any sums payable by Borrower to l.ender. in acrnrdunce with
<br /> , the provislo�s af paragraph 8. in tieu of the payment af mortgage insurance premiums.Ti�ese Iteiiu aj�t called'L�scmw Items."
<br /> Le�xler mxy. at any time. colloct and hold Funds in an amowu not to exceod the maximum smount e lender for a foderally
<br /> related mortgage loan may reo,ui:e foe 8orrower's escrow account under the faieral Real Estate Settlement Procodur�s Act of
<br /> 1974 as�imended from tinnc tc time. (2 U.S.C. Section 2601 et seq. ("EtESPA").unless a�wthcr law thai appiies to ths Funds
<br /> sets a leaser amount. If so.Lender may. ut any time, oollect and hold Funds in an amount not ro eaceed the lesser amount.
<br /> . Lender may estimate the amount of�unds due on ti�e basis of curnnt clata and rea5onable estlmates of ex�enclitures of future
<br /> Escrow Items or othenvis�in acco[dance with applicat+l�e law.
<br /> • 'I'hc Funds shall be held in :m i�nstttution whose deposits are insured by a foderal agency. jnstrumentality, or entiry
<br /> (including L.ender,if Lencler is such an anstitution)or In any Federal Home Loan Bank.Lender shall apply the Fwids ta pay the
<br /> Escmw Items.Lender m�y not charge Bormwer for hotding and applying the Funds,annually enalyzing the escrow aa.�ount.or
<br /> vedfying the Escrow Items,unless Lender pays Bomower interest on the Funds s�n�appl{cable law pernuts Lender to make such
<br /> � a efiarge.How�ver. Lender may require isorrower co�ay a one-iime ciiugc iv►au 3ixicyctt�e�ti:�a!��it:.tax r�ss:lm�scr:icc
<br /> t used by I.�nder in connoction with rtans loan, unless applicable taw pr�nvides otherwise. Unless an agran�ent is a�ade or
<br /> ;? applicahle I�r�requires interest to be���;,l.ender shall not be n�ired to pay Borrowcr any ixRer�st or earaings on tl�c Funds.
<br /> ,� Botrower ana Lender may egrec in writi»g, Iwwe�ex,that interest ahsll be paid on the Funds. Lender shall give to Borrowcr.
<br /> • without charge. pn annual accounting of the Furds. sl�owing c�rdits and deb�cs to the Funds and the purpase for which each
<br /> -� tkbit to rix Funds was made.The Fwids iue pledged as additional sauriry for ail sums secural by this Secwity Instrument.
<br /> If the l=unds held by Lender exceed the amounts permitted to ba held by applicable law.Lender shall acc:ount to Borrower
<br /> _ for the excess Funcls In accordance with the requi�meau of applitahle law. If the amount of the Funds held by Lender u any
<br /> '`� time is not sufficient ro pay the Escrow Items when due.Lender n�ay so not�fy Borrower in wrtting.and,in such case Borrower
<br /> ��`� shall pay to I.ender th�amount neassary to make up the defi�7ency. Borrower shall maka up the deCciency in no more thin
<br /> twdve monthly ptyments,at Lender's sole discretion.
<br /> .� Upon payment in full of all sums secured by thls Securiry Instrucnent. i.ender shalt promptly rcfund to Borrower any
<br /> :.� Fwids hcld by I.ender.If. under paragr�ph 21.L.ender shall acquire or ssll the Propecty�I.ender. prior to the acq��isition or sale
<br /> � � of the Praperty.shall appfy any Funds hcld by I,ender at the time of acquisidon or sale as n credit against the sums securod by
<br /> ; , ' this Security Inshument. .
<br /> 3.ApplleaUot�of P.agsmente.Unl�ss upplicub3e law provldes aherwise,aii payments raxived by Lender wider pxragr�phs
<br /> � 1 and 2 shall be applied; �rst.to any prepayment charges due under the No►e: second.to amounts payable under puagraph 2:
<br /> y � third,to intenst due:fourth,to principal due;and fast,to any late charges due under the Notc.
<br /> �� 4. CF�r�es;Liens. Borrower sha`1]pay ail taxes.assessmenta,chazges, fines and impasitians attributable to tt�e Propc�ty
<br /> - whtch may attain prioricy over this Security Instiument,and leaschold payments ar grouml rents, if any,Borrower shall pay
<br /> � 4 thcsc obligations in the�anner provided in paragraph 2.or if not paid inthai munner. Borrower shall pay t�hem on time directiy
<br /> ' } to thc person owed Qayment. Bomower shall promptly fumish to Lcnsier aU not9ce.v of amounts to be paid under this paragraph.
<br /> } If Bomowec�malces these payments directly,Bonower shall promptly fumish to Lxnder rocetpts evidencing the payments.
<br /> d Borrower shal� promptly dtscharge any lien which has priority over this Security Instrument unless Borcower: (a)agre�.s in
<br /> � writing to the payment of the obligation securad by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> � by, or defands against enforcement of the lien in, legat proccedings which in the Lender's apinion apemte to prevent the
<br /> � � enforcemcnt of the lien; or(c)sccums from thc holder of the lien an agrexment satisfactory to L.emier sui�oidinating the lien to
<br /> this Security Insuucnent. Yf Lender determines that any part of the Property is subject to a lien which muy attuin priority over
<br /> ; this Security Inswmer�t, Cxncler may give Borrowor a notice identifying the lien.Borrower shall sutisfy the lien or take one or
<br /> more of the actions set�orth above within 10 days af the giving of notice.
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