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<br /> TQClETHBR W1TH all tlic improvementg now or hereatter erccted on��dii o�rtshnll�nl�be'covercdPby�thisnSecurity
<br /> fixtures now ar hercafter u p�►n uf the property. All replacenxnts an�d ad
<br /> lnstrument.Ail of the forcgoing is rcfencd to in this Suurity Instrument as the "Praperty•"
<br /> BORROWBR COVENANTS thut Borrawer is luw�fucll�y sc�IX�°ffor cncumbmnc s f�recQl'��"�1npW@r wATfAnt sAT� W� ,
<br /> convcy thc Prnpcny and thut thc Frapcny is unencum P
<br /> defend generuUy th�dtle ro the Prup;.�ty u8ain+t u11 claims and d�mmtds,sub]ect to nny encumbrnnces of record. �
<br /> TH1S SECUKITY INSTRUMFNT combines uniform covenants far nutianal usc und nan-uniCorm covcnants witi� lim►cecl
<br /> varlutions by juriufiction to constitu[�n uniform security instrument covering reul property.
<br /> UNIFORM COVENANTS. Borrawer and l.ender covenunt end ugrce a.�fallows: a when due the
<br /> 1. �ayment af PrinciEwl Qnd lnteresti �pAyment And I.ate Charg�. Bo�rowcr shall promptly p y
<br /> principal of and interest on the debt evidenced by the Nate and any prepayment and late charges due under the Note.
<br /> 2. Fundg for Toxes�nd Insurance. Subject to applicablc law ar to a written waiver by L.ender.Banower shall pay to �
<br /> L.endcr on the day monthly payments 3re duc under the Note,ur+tll thc Note is paid in full.n sum("Funds") for: (u)yearly texes ,
<br /> and essessments which may attain priority over this Securlty Instrument as u lien on the Pr(a�'•�(y��insu�rance pr�ecntams,
<br /> or ground rents on the PropertY.if anY:(c)yearly hc�zard or praperty insurance premtums:
<br /> if any;(e)yearly moRgage tnsurance premiums. if any;and(�anY sums p�yable by Borrower to Lender. in accordance with
<br /> the provisions of�pareS�P callectliand hold Funds in�anmamountenot to exceed themmn�c�mamitam°nt a l�nder forr fedcrally
<br /> Lender may, at ny
<br /> relnted cnortgage lonn may rtquire for Borrower's escrow accou n t u n d e r t h o f e d e rn l R e a l E s t e t e S ettlement Procedures Act of
<br /> 1974 as amtndd from time to time. 12 U.S.C. Seccion 2b01 et seq.("RESPA"),unless another law thnt applies ta the T'unds
<br /> sets a lesser amount.If so. l.ender mny. ut any time,cm�lect and hold Funds in an ama►nt not to exceed the lesser umount.
<br /> i.ender muy estimau the umWnt of Fundc due on the basis of current datu and reasonable estimates of expenditures of future
<br /> Escrow Items or otlierwise in acc�rdancc with applicable law.
<br /> The Funds shall be held in an institution whose deposits ara insured by a federal agency, instrumentality. or entlty
<br /> (tncluding L.e►x1ePn�e��ennt ch�e Borrower for holding�applying thte Fu ds,�annually analyzing`the escrow account or
<br /> F.scrow Item Y
<br /> verlfyiug che Escrow Items. unless I.ender pays Borrower interest on the Funds nnd applicable law permits Lender to mnke suc
<br /> a charge.However,Le»der may require Borrower to pay a one�dme charge for an independent real estate tax rePorti°$sen'ic�
<br /> ��r,eli by L.ender in connecdon with this loan, unless appflcuble law provides othWrwiany nterSest or aeamings on the Funds.
<br /> applicable law cequires interest ta be paid,l..ender shaii n�t t�r�uirc3 to ps, Borro
<br /> Bonower and Lender mny agrce in wrlting.however,that interest shall be paid on the Funds. Lender shall�f T Borro�we�rh
<br /> without chazge, an a�u�ual uccounttng of the Funds,showing credits aad debits to tGe Funds and t�e pui'P°
<br /> debit ta the Funds was made.The Funds are pledged es addidonal security for u1l ii�ble�latw�I.ender shnll account p Bar�'�W��
<br /> If the Funds held by Lender exceed the amounu permftted to be held by app
<br /> for the excess Punds in accordat►ce with the requirements of applicable law. If the amount of the Funds held by L,endar at any
<br /> dme is not sufflcient to pay the Escrow Items when due. Lender may so notify Borrower in�vriting,and, in such cese t3orrower
<br /> shall pay to Lender the amount ne�essarY to muke up the deficiency. Borrower shall rnalce up the deficiency in no more tt�an
<br /> twelve monthly payments. at I.ender's sole discretion.
<br /> Upon payment in full of all sums secor�nde shal acquire or sell the Pnopertys l.endec Pno<<° he�lu�t°n or sale
<br /> Funds held by L.ender.If, under puragraph 21.
<br /> of the Properry, shdl apply e��y Funds held by Lender at the time of acquisition or sale as a credit againsc the sums isecured bY
<br /> this Security Instrument. •
<br /> all payments receivtd by Lender under puag
<br /> 3.Application ntPayments.Unless applicable law provides ofnerwise. h 2�
<br /> 1 and 2 shall be applied: first, to any p�PaY�nt chacges due under the Note; seconc�,to amounts payable under parngn►p
<br /> third.to interest due; fourth,co pdncipal due;and last, to eny(�te charges due under theNote.
<br /> 4.Clwrges;Lten�• Borr�Wer shall pay ull taxes. assessments,charges,fines ansl impositions attdbuta��ET�P�rtY
<br /> which may atuun Pnadty over this Securiry Instrument,and leasch�ld payments or ��e sh���y�m�n dme dit+ectly �
<br /> these obligadons in the manner providod in paraSraPh 2.or if not paid in that marmer.
<br /> to the porson owed payment.Borrower shall pr�mptly fumish to Lender aU notices of wnounts to bc paid under this paragrapl�•
<br /> �f go�oW�r makes these payments directly.Borrower shall promptly furnish to L,ender ttceip:s evtdencing the paYments•
<br /> Borrower shdl promptly discharge any lien which has prioritY over this Security Instrument unless Borrower:(a)agreac in
<br /> writing to the paymant of tlk obligation secured by the lien in a rnanner acceptable to Lender;(b)conta�ts in good faith the tien
<br /> by, or defends ugainst enforcement of the IIen in, legal proceedings wfiich in tha Lender's opinion operate to prevent the
<br /> enforcement of the lien; or(c)secures from the holder of the Nen en agrcement satisfactory to Lsnder subordinating thc lien to
<br /> this Security Instrument. if L.ender det�rmines that any p�'t of the Property la subject to a Iten which may attain pdority over
<br /> this Securlty Instrument. Lender may give Borrower a notice identifying the lien.Bc�rrower shall satisfy the lien or take one or
<br /> more of the actions su forth ubove within 10 days of the giving of notice. ��� e�
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