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<br /> TQL3ETHkR WITH ail thc improvement�now or heret3Rer emted on the property,and all easements.appurtenances,nnd
<br /> fixtur�s now ar her�Rer a part of the properry. Ail replacementx and addidans shall niso bc cavered by this Security
<br /> instrumant.Ail of thn foregoing ia referred w in thia Security Insuvment as che"Property."
<br /> BORROWBR COVENANTS that Borrower is lawfully setseci of the estnte herehy conveved and has the dght to grant and
<br /> convoy the Property and that the Pro�terty is unencumbered, except for encumbrances v:record. Bnrruwer warrants and wtll
<br /> defend genereUy the title to the Property against all claims and demands,subject to nny encumbrances of recorc4.
<br /> THIS SECUE�ITY INSTRUMENT combines unifarm cavenants for nssionel use and non•uniform cavenants with limited
<br /> varietions by jurisd"action ro constitute a uniform seeurity instcument eaveting reai property.
<br /> UATIFORM COYENANTS.Horrower aad Lender covenant and agree as follows:
<br /> 1. Payment ot Pcincipal und Interesl; Prepayment and Late Charges. Borrower stwll promptly pay when due tha
<br /> princepal af and interest on the debt evidenced by the Note and uny pmpayment and late charges due under the Note.
<br /> '!. fi�nds for Taxes and Insttraace. Subject to apptiaable law or to a written waiver by Lender. Borrower shall pay to
<br /> Gender on the day rnonthly pnyments ai+e due under the Note.until tha Note is paid in full,a sum("Funds")fur:(a)yeacly taxes
<br /> actd assessmenta which may attain pdariry over tbis Securiry Instraraent as a lIen on the Property;(b1 Yearly lcasehold payments
<br />� or ground eents on the Property,if any;(c)yearly huzard or proparty insurance premiums:(d)yearly tlood insurance premlums.
<br /> if aay:(e} ycariy rriongage insurance premiums, if any;and(�anY sutns payable by Bqrrav++or to L�nder. ta accordance wiW
<br /> the pnovlsions of paragraph 8,in lieu of the payment of mortga�a insurance premium�,'1'hese items are called"Escrow Items."
<br /> Lender t�ay, at any time,collect and hold Funda in an amouat not to exc.�ci the maximum amount a lender for a f�derally
<br /> related mortgage loan may require for Borrower s escrow account under tha fedarai Real Estate Settlement Procedttiias Act of
<br /> i974 as amanded from time to tima. 12 U.S.C.Section 2601 et seq. ("RESPA"l.uNess another law tbat applies ta�th�`��nds
<br /> seu a les��r amount.If so, i.ender may, at any time. coilect and hoid Fands in 9r►wnuunt not to exceed the tes�er..anjaunt.
<br /> Lender'tnay estimate the arr�ount af��unds due on the 6asia o4 cwrent data and reasonabie estimates of axpenditu�;as of ibtu�
<br /> Escro�J Itcins or otherwise in accdtdanc's w�th appl#cable law. �. '� •.
<br /> 'I'he:Funds shall be held iA �n �n�titu�ion whosa deposiLS are insu� by a federal ttgency, �pstmmentality. or entity
<br /> �, (incluc��pg�I,ender, �f I.�nder is sueli�rt instttuttanj or In any Federal Home Latxn Bank.I.ender shall ap�ply tl�e Funde to pay the
<br /> . ; � Escro�v Ite�ns. L.ender may not charge Rotrower f4r holding and applying the�nds.annuaUy analyzing the escrow ac,�punt,or
<br /> verifyirig ihe Fscrow items, unless�.endef pays Horrower interest on the Funds and appGcable law permits Lender t0 inuks such
<br /> a charge.Howevcr,I.ender may require�Bonower to pay a one-tirae charge for an independent real estate tax repotting servIce
<br /> used by Lender in corencction with this loan, uNess applIcable law provides oWerwise. Ualess an &greement is made or
<br /> � appticable law requircs interest to be paid.I.e�qder shall not be reguired to pay Borrower any int�rest ur eaivin�s on the Fuads. . ,'
<br /> Borrower�nd Lender usay asree in writiq�;��►pwever, that tnterest shall be paid on the Fuads.I.ender shall give w�cnower.
<br /> withonc charge.an aanuai ssczouat'u�g uf•-i1ic�iun1�� �iiawi�ig craitts a,�ci d�bfts tu thc�s and she gnr,�osc frs �l�;�h rar.� -
<br /> debit to the Fuads was mnde.The Funds are pledged as additionat securIry for aU sums seSµtad by this Security Insttument.
<br /> . If the Funds held by Lender exceed the amnunts petmitted to ba held by applicable latv; I;ehdet,sD�atl acxount tQ:��rrower .
<br /> fot the excess Funds in aocordnnce wltb the reyuireineats of appltcable law. If,the amount of'tlie�inds 3i�t�'by Lender at any .
<br /> timo is not sufficient to pay tha Escrow Items wlien due.I.ender msy so noW�%Bortower.in writing.Gnd;`in such casa Borrower •
<br /> shali pay to Lender the amount ncoe�ary to matce up the defictency. Barcower:shall�aicdiup the de8ciency in no more thaa
<br /> twelve monthly payments,at Lender's so18 dIscretion. � �.'•�
<br /> Upon payment in full of all sums secured by this Security Instrument, Lender sfiall"promptly refund w Borrower any
<br /> Funda heid by Lznder.3f,under paragraph 21.LeQdar shaU acquire or sell the Property.Lender.prior to th6 acquisition or sale
<br /> of the Property.shall apply eny Fpnds held by L.ender ai the dme of acquisirion or sale as s credit against the sums secured by
<br /> thts 5ecurity Iasmimant. •. r' •
<br /> 3.�►ppltcatlon of Puymeata:.YJnless applicable law provides otherwIse.all payinse�8's.�Yed by L,ender under paregraphs
<br /> 1 and�Shall be applied:first,,W`.�iuyt prepayment charges due under she Nots;second.4o t►iaounts paytt�la under paragtaph 2;
<br /> third..;a,interest due;fpvitia;.�o princepaf due;pnd�a$t.co any Iate charges due under che Note. � �.
<br /> '.".���� :•+�..;Cherqes: Liens,,�il'ictia+�.c�ahall pay alr;�uces.assessments,charg?�,,•:faes and imposidons atEr�6irtabie to the ProlxrtY
<br /> ��'�'���wllich,.�Yiay attain priortry ovex r��s'Security Instnunent,and leasehold payrikfits or ground rents.if any:�axm�r''§hall paY
<br /> ��1ese obligations i�the manner ptovided in paragraph 2,or if ri�c pald In that manner.Borrower shall pay them oa t�:ae'4firectlY
<br /> to the person owed payment.Bbmilvz�shall pmmptly tLrndsh tp�der�ll}todces of amounts tb be pafd under this paragmph.
<br /> If Borrower makes these payments dit�ectly.Borrower shall pmmj�tly furaisf�ta".L.ender receipts evidear.iqq the payments.
<br /> , Borrower shall pnomptly discharge any lien whicb has priority over this 3ecurity Jnsuument wiles��nrmwer:(a)agrtes in
<br /> wrIHns to tbe payraent of the•obl�gation secured by the lien in u manner aaceptable to Ixnder;(b)oopte��in good faith the licn
<br /> by. ar.defencis against enforcemq�lt:of the lien in, legal prooeedings which in the Let�t�?a'�opinion operate to prevent the
<br /> enforcement of the lien;or(c)sec�tes from the hoider of the Gen an agce�apnt sarisfact�j*:�o Lendor,subordinadng the llen to
<br /> ' thIa Security Irstrument.If Lender determines that any part of the Property is subject to�'�ien whio�m.�y attain prtortty over
<br /> ' this Security Instreiment.Lender may give Borrower a notice idenNfying the Gen.Borrowcr shatl sari�fy�211e lien or teke one or
<br /> more of the actions sa�ort�c e6ove within 10 deys of the giving of notice. '�:.
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