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<br /> '".��y . TOG�THER W1TH all thc impravements now or hereafter crn:ted an the property,and all easemcnts,appurtenances,and
<br /> � ;"ixtures aow or hereafter a pare of the property. All replacements �nd additiona shnll also be covered by this Security
<br /> : �.�r. Instrum:nt.All of the foregolug is referred to in this Securtty Instrument ng tl�e"Property." _
<br /> �� BOREtOWER COVENANTS th�tt Borrower is lawfully seiscd of thc estnte hereby convcycd and has tht right to grant und _
<br /> �x� convey the Property and that the Property is unencumbered, except far encumbrances of record. Borrower wnrrants and will
<br /> defend gener�lly the title to the Property against all claims and demnnds,subject to any encumbrances of record.
<br /> �,� THIS SECURITY 1NSTRUMENT combines unifam covcnants for national use and non•unifarm coven:u�ts with limitcd
<br /> "� variations by Jurisdictlon ta cAnstitute a uniform security inscrument covering real property.
<br />,.,�,�Yr UNIFORM COVENAN'fS.Borrower and L,ender covenmu and agrcc as follows: �
<br /> .-_��° 1.Payment of Prtncipal aad Interest; Prepwyment and Late ChACges. Borrower shall promptly pay when duc thc
<br /> �_ principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
<br />- _�� 1.F�nds for Texw and Insurance. SuDject to Applicable law or to a written waiver by Lender, Bonawer shall pay to
<br /> : ':'� Lender on the day monthly payments are due under the Note,until the Note is paid in full,a sum("Funds"}for:(a)yenrly tanes
<br /> �" ar.d assessments which may attain prioriry over this Security Instrument as a lien on the Property; (b)yearly leasehold payments
<br /> or grand rents on the Properry,if any;(c)yeazly hazard or properry insurance premiums;(d)yeazly flood insurance premiuras,
<br /> if any;(e)yeatly mortgage insurance premiums, if aay;and(� any sums payable by Borrower to Ixnder, in accordance with
<br /> '� che pmvisions of paragraph 8, in lieu of the paymeut of mortgage insnrana premiums.These items are called"Escrow Items."
<br />=��"� ' Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally
<br /> = related mortgage loan may nquire for Bonower's escrow account under the federal Real Estate Settlement Proccdures Act of
<br /> -�:�� 1974 as amended from tlme to timo. 1'l U.S.C. Section 2601 et seq. ("RBSPA"),unless anotber law that applles to the Funds
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<br />- ��� sets a le.�.ser amc►unt. If so, I.ender may, at any time,oollect and hold Funds in an amount not to exceed e esser amount.
<br /> ":�� L.ender may esttmate the amount of Funds dua on the bisis of current data and reasanable estimatea of expendinues of futurc
<br />.�;�� Escrow Items or otherwlse in ac,cordance with applicable law.
<br /> ��� 'fhe Funds shall be hcld in an insdtudon whose deposlts are insured by a federal agency, instrumentality, or entiry
<br /> (including Lender,if Lender is such an institution)or In any Fedecal Home Loaa Bank.Lender shall apply the Funds to pay thc
<br /> _-- Escrow Items. I.ender may not charge Borrower for halding and applying the r"unds.annually analyz[n8 tt►e escrow account.oz
<br /> -;� verifying ttie Escrow Items,unless i.ender pays Borrower interest on the Funds and applicabie law permits Lender to make such
<br /> � a charge. However,I.ender may requlre Borrower to pay a one-time chazge for an independent rcal estate tax reportin�service
<br /> - used by Lender in connection with Wis loan, unless applicable law provides otherwise. Unless an agrument is made or
<br /> ---•.-- applicable Isw requires interest to be pald,I.ender ahall not be required to pay Bonower any intcrest or eamiags on the Funds.
<br /> ' Borrower and Lender may agra in writjng�however.ihat interest sball be paid on the Funds. Lender shall give to Bonawer.
<br /> without charge, an azuival accounting of the Funds, showing credits and debits to the Funds aad the pucpose for whicu each
<br /> — debit to the Funds was made.The Funds are pledged as additional securiry ior aIi sums sccurul�y i�is�urity Iuotns�=a:.
<br /> � If thc Funds held by I.ender exacd the amounts p�maitted to be held by applicable law,Lender shall account to Aorrower
<br /> for the eacess Funds in accordance wlth the tequiremeats of applicable law. If the amount of the Funds held by Lender at aay
<br /> time is not sufficieat to pay the Escrow Items whea due,Lender may so notify Borrnwer in writing,aad,In such case Borrowor
<br /> shall pay to I.ender the amount nacessary to make up�he deficiency. Borrower shall make up the deficiency tn no more than
<br /> twelve monthly paymeats,at Lender's sole discretion.
<br /> Upon paymeat In full of all sums securecl by this Security Insuument, Lender shall promptly rofund to Borrower any
<br /> Funds held by Lender.It,under pazagraph 21,L.ender shall acquire or sell the Property.Lender.prIor to the acqulsition or sale
<br /> of the Pmperty, shall apply any Funds held by l.eader at the time of acquisition or sale as a credit against the sutns secured by
<br /> this Security Instrument.
<br /> 3. ApplicaHon of Pnyments. Unless applicabic law provides otherwise,all payments receivod by Lender under pamgraphs
<br /> 1 at�d 2 shall be applial: first. to any prepayment charges due under the Note; second,to amaunta payable undcr paragraph 2;
<br /> third,to interest due; fourth,to prtncipal due;and last,to any late charges due uader the Note.
<br /> 4. Chac�es;Lte.ns. Borrower shall pay all taxes,assessments.chuges, fines end impositions attributable to the Property
<br /> which may attain priodry over this Security InstrunaeM. and leasehold payments or ground reuts, if az►y. Borrowcr shaU pay
<br /> these obligations ia the manner provided In paragraph 2,or if not pald in that manner.Bonower shall pay them on time d�ncdy
<br /> ro tlx persoa owed payment. Borrower shall promptly tumish to Lender all notices of arnounts to be paid under thia paragraph.
<br /> If Borrower makes these payments dicectly.Bnrrower s6a11 promptly fumish to L,ender receipta evidencing the paymenta.
<br /> Borrower shall pmmptly discharge any lien wluc6 has priodry over this Secudty Instnunent unless Borrower. (a)agrees in
<br /> writing to the gayment of the obligatlon secured by tlx I:en in a manncr acceptable to Lender;(b)contests in good faith the lien
<br /> by. or detaids against enforcement of the lien in, kgal proceedings which in the I.eader's opinion operatc to provent the
<br /> enforcement of the lien; or(c)secures fmm the holder of tbe lien an agreeaxnt satlsfactory to Lender subordlnating the lien to
<br /> — this Security Iusuument. If Lender deternunes that any part of the Property is aubject to a llen which may attain prtodty uver
<br /> th;s Security Insuument. Lender may give Borrower a notice identlfying the lien.Borrower shall satisfy the llen or take one or
<br /> - mon of the 2xtluns set forth above within 10 days of the$iving of ttotice.
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