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<br /> TOGE'PHER WITH all the improvements now or hereafler erected on the property. und ull easrntents, uppurtenances, und
<br /> fixtures now on c�rcafter a part of the{�rnperty. Ali replecements and ndditions shidl al�o tx covcrcd by this Security
<br /> ',�,� Instrument.All of the foregoing is referrcd ta in this Sccurityinstrument us tha"Pr4perty."
<br /> ' BORROWER COVENANTS that Borrower is luwful ly seised of the estntc harcby convcycd and t�as the right to grunt and
<br /> convey the Property und that the Property is unencumbered,except for encumhrances of record. Burrowe►•warrant� and will
<br />- defend generally the title ta the Propercy against all cluims aixl demAnds,suhjcct to any encumbranceso f record.
<br /> � .�, THIS SECURITY INSTRUMENT mrnbines unifarm mvenants for nntional use and non-uniforrn covenants with limited
<br /> .� variations by jutisdicttan to constitutc a unif�rm s3curity instn�ment cnvering real property.
<br /> � UNIFORM COV�NANTS. Borrower and Lendercovenant and agi•ee as follaws:
<br />- • �. 1. Payment af Principal and Intcrest; Prepayment nnd :..:!e Chnrges. Borrower shall pmr�ptly pay when due the
<br /> principal of and interesc on the debt evidenced by the Note and any prepaymcnt and late charges duemcicr the Note.
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<br /> . 2. �'unds for Tax�and Insurnnce. Subject to applicable law or to a written waiver by I.ewder.Botrower shnll pay to
<br />_(Y�,.. ti�; :: Lender on the day monthly payments are due under the Noto,until the Note is pald in full,a sum("Furids") for: (a)yeurly taxes
<br /> and assessments which muy uttuln priarity avcr this Security Instrument as a lien on the Property; (blycarly Icasehold payments
<br /> • or ground rents on the Property,if uny: (c1 yeurly ha�.ard or proparty insurnnce premiums:(d) yearly Ilemd intiurunce premlums,
<br /> �� . if uny; (c)ycarly mongugc insuruncc prcmium., if nny: und It�any sums payublc by BimY�wcr tu I.c��dcr, in acrordancc with
<br /> " � � • thc pr�wisions uf purugruph H,in licu uf�hc paynuns of mueguqc inzuruncc prcmiums. 'I'hcsc hcirner�cullal"E?,cruw Itcros.'
<br /> � IAndcr may, ut uny timc, cullcct +md hnld F'unds in mi umnunt nut tu cxrceJ U►e mnximum nm��ent a Icndcr for ii tcdcriilly
<br />-� "',';, relutcd murtgngc loun muy rdqulrc fur li�irr��wer's csrmw n�r��unt under thc 1'cdend Itc+d H+tnte Scnlunxnt Pr�xcdurew Act of
<br /> . . 1974 uti umendcd from timc tu timc. 12 U.�.('. Scctiun �t�t)I rt sry. l"It�Sf'A"). unlctis nnuthcr law tlmt upplics to thc Funds .
<br /> • . '•• '� sct�:u Icsscr iunount. If �n, IAndcr muy,i�t any tlma c��llcci imJ huld Funds in un nmount nut tocxcced thc Icsscr umuunt.
<br />':, � � Lsndor mny chtlmute thc um�iunt uf Nui�Js duc un the hutiis of rurrent diitu und reasunublc crtimutn uf cxpenditures uf fuwre
<br /> ��:;• ...,, Bscrow Itcros ur othcrwisc in uccurdui�rc with uppllcublc law.
<br /> ;`�: •.�• ;� Thc Funds shall be hcld in un institutian whosc deposits urc insured by a fcclerul ugcncy,iststrumentnlity, or entiry
<br />,r�;��:, � (including Lender,If Lendcr is such an institutlon)or in uny Federal Home Loan Bank. Lender shallapply the Funds to pay the
<br /> - --�`.— E�cruw Iicui�. Lct"idci ilidy iiGi�}ial'$e :arra;��r far holditzg ans!applying the Funds.�!lnt1�l��tl3lyL�i�o tfSP?�!'!US!'flm���nt,or
<br />°��Y!�'� verifying the Hscrow Items, unless Lender pays Borrower interest on the Funds end applicable law p�mnits L.ender to make such
<br />_��ri;�^� a charge.However, Lender may require Borrower to pay a one-time charge for an independent real estate tcuc reporting service
<br /> .-=�,:....�� used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or
<br /> � applicable law requires interest to be patd, Lender shall not be required to pay Borrower uny interes��r earnings on the Funds.
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