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<br /> TOOBTHBR WITH all the improvements rtow or hereaRer erecte�on the property,and nit ea.�ements.appurtenances. and �
<br /> flxtures naw ar hereaRcr u purt of the property. All replacements and udditions shull niso be covered by this Securiry �
<br /> Instnmunt.All of the forcgoinB is referred to in this Securiry Instrumeat ns the"Property."
<br /> BQRRUWER COVENANTS thut Borrower is lawfully seised of the estute hercby conveyed and hos the right t�grant und
<br /> cunvey the Pmperty c�nd tltut the Property is unencumbered, excegt for encumbrances of record. Borrower warrants and wiil
<br /> defend generally tho tltlo to the Property ngui��st ull claims aad demands,subjest ta any encumbrances of rerord.
<br /> THiS SECURITY INSTRUMBIVT combines uniform covenants for nationul use and nan-uniform covenants with limited
<br /> vnriatiana by Jurisdiction to can�ticu[e u uniform security instrument covering real prope�zy. `
<br /> UNIFORM COVENANTS. Bor�ower and i.endst cavanant ru►d agree as foilcrws:
<br /> l. Poyment of Peinelpnl end Intemst; Prept�yment ettd Lutc�Charges. Borrower shall promptly pay when due the
<br /> pdncipul of und interest on the debt evidenceG by the Nots and any prepayment and lat6 charges due under the Note.
<br /> 2. Ftiuda tor Tuxes ettd Insurance. Subjoct ta applicabla law or to a written wsdver by L.ender. Borrower shall pay to
<br /> i,ender an the dny manthly puyment�are due undor the Noto. untll tha Note is paid in fuli.a sum("Funds")for:(s)yearly taxes
<br /> ond assessmenxg which mny csttain priodty over d�is Securlry Insuurnent as a iien on the Property;(b)ycarly leasehold paymeats -
<br /> or grourtd ren�g an the Property.if any;(c)yearly hazarcf ar Qrog�tty insurance premtums;(d)yearly flood insurance premiums.
<br /> if any: (e)yeutly monguge jnsurance premiums, if anyt and(��y sums payabte by Bornower to I.ender.tn sccordance with
<br /> the provisions of putagcuph 8.in N¢u of the payment of mortgage insurance pmmiums.These items em called "Escrow Items." -
<br /> Lender tnay. at nny timo. callezt und hold Furtds•i��an�amount not to exo��fia maximum amount a lender for a federa(ly
<br /> t+pi�ted �nartgage loun muy mqulre for Bomower's escrow acoount under the fedecat Re�a!�tute Settlement Procedures Act of
<br /> 1974 us tuttended frpm tineo w time, 12 U.S.C.Secrion 2601 et seq. ('RESPA"),unless ar+ather law thut applies to the Funds
<br /> sets a lesser a�ount. If so. L,cnder may. nt any tt�ne,collect and kold Funds In an amount.not to exce�st the lesser emonnt. �
<br /> l.ender mny estimnte tho amount of Funds due on the basis of current data fwd masonable e�timates�qf expendit�res of future
<br /> 8f,crow It�ms or othenvise in uccordance with applicable law.
<br /> The Funds shall be held in un instituHon whase deposiu are inswed by a federal agency. insuumentaltty. or entity
<br /> (including Lender.if Lender is such an institution)or in any Fe�eral Nome i.oau Bank.L.ender shalf apgly the Funds w pay the
<br /> Hscmw Items.L�ender may not charge Borrower for t►oldiag and applying tho�unds,annually analyztng the escrow acoount.or
<br /> verlfyins the Escrow Items.unless Lender pays Borrower iaterest on ttce Fuads and applicable law permits I.ender to mske such
<br /> u eharge. However. Lender may re�uic+a Borrower to pay a one-time charge for an independent real estate tax ceporting servtce
<br /> used by I.ender in oonnection with tbls loan. unl� applicable law provides otherwise. Unless an agree�nent is made or
<br /> applicabie law t+equitps interest to be paid.Lender ahall not be required to pay Bom�wer any interest or eamings on the F�nds.
<br /> Sorrower and Lender may agree in writiag,however,tD�at imerest shall!�e paid on the Funds. Lender ahati give to Borrower.
<br /> wIthout charge. an annual acoounung oi tiie�unds. showing c�cIits m�a dabits iu t�ee Fauis mi3 tt�ss�w-��rr u�hich cadt -
<br /> debit to the Funds was made.The Funds are pledged as addicional sacuriry.Yar all sums secured by this Secutiry Instwnent.
<br /> If the Funds heid by L.ender ex�ceed the emouats perdutted to be tteld by applicable IAw.Lender shall account to Borrower
<br /> for the exoess Funds in accordance with the�equirements of appLiCBbde 1aw. If the amount of the Funds held by I.ender at any
<br /> tIaie is not sufficient to pay the Fscrow Items when due. Lenddi•ma,y:stt Am��y���'�+er in writing.and,in such case Borrower
<br /> . shatl pay to I.�nder tha omount neaessary to make up che defi.c9ency. Boxirowor shall make up the deficiency �n no more than ;��.
<br /> twelve�and�iy�paym�ents.at i,ender's sole discretlon. . . .
<br /> U�SOn,payn�ent in fuli of all swns secured by tlus Se�url'ty Insaument,Lender shall promptly refund to Borrower any
<br /> Funds•hetd by�f:tnder.If.under paragcaph 21.I.ender shall acquir�e or sell the Property.Leuder.prior to the acquisitton ar sale
<br /> of the?�to�ariy.shu11 apply any Funds held by I.eader at the time of aoquisItion or sale as a cradii against the snms secu�+ed by
<br /> tt�to Seourity instcument.
<br /> 3.,Applies�tion ot F�yma►ts.UNess appiicable lew provides othera+ise.ell paymenu reoeived by Lender under paragraphs
<br /> (a�d•,2 slieill be applied: first.to any pregaycaent c4turges.due.ynder the Note;seoond,to amounts payable under paragraph 2;
<br />_ �hie+d.to interest due:fouith.co�rincipa!due;aad tas.to aziy lafe ohart�es due under the Note.
<br /> 4.ChArges;Liens. Borrower shall pay all taxe3,assessmeuts.charges.fines azid imposittons attributable to the Ptoperty
<br /> �which m�y a+nain prioriry ovu this Secudty InSmiriia►t.aat�'leaseltold�ayments or ground rents, if any.Borrower shaq pay ,
<br /> these obtigations in the manner pmvidod in paragra�2.or if not paid ia Yhat ma�er.Borrower shall pay them on time directly
<br /> to the p�rson owed payment.Borrower shal!promptly fumisb.to Lender all nodcxs of mnounts to be paid uader ttus pacagraph.
<br /> If Borrower makes these payments direrdy.Borrower shall protnptly furnisl�w I.enCer�ceipis evtdencing the payri►ents.
<br /> Bormwer shall prompdy discharge any Iten which has priority over this 5acuriry Instiument unless Barrower.(a)ag�s in
<br /> ' wrlting to the payment of the obllgat�ion secureci by the Uen in a manner aooeptable to Lender;(b)eontests In good faith the lien
<br /> � .' by. or defe.nds against enforoemeut of the lien in. legal prooaedings whic6 in the Lender's opinion'�aperate w preveat the
<br /> enforcement of the lien;or(c)secures from the holder of the lien an agraement sadsfactory to Lender adbordiaating the lien w
<br /> this Sewdry Insuument. If I,ender detemtines that any patt of the Property ia subject to a lien which may uttain priority over
<br /> this Security Insuument.I.ender msy give Bormwer a nopce ideudfying ttie Gen.Borrower shatl saflsfy the lien or take one or
<br /> more of the actIons set forth nbove witbin 10 days of dt�givin�of notia�.
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