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<br /> TO(3E1'H�R W1TH ull the improvement�now or herexfter erected on the pruperty,und nll cusements,appurtenunces.and
<br /> fixtures now or hereafter a part of thc property. All replacements end additions shail ulsn be covered by this Security
<br /> lnstrumcnt. All of thc foregoMg is rcfcrred to in this Sccurity lmtrument us the"Property." '
<br /> BORROWER COVENANTS thut&inower is luwfully seised of the e�tate hcreby convcyed und has thc right to grant and i
<br /> canvey the Propeny und tliut the Property is unencumbered, except for encumbr;mces of rewrd. Bonower warrnnts and will =
<br /> defend genernlly the title to the Property a�ainst nll claims und demands,Eubject to any eucumbrances of record.
<br /> THIS SECURITY 1NSTRUMENT combines unifarm covenunts for national use nnd nan-unifarm covenants with lim(tal
<br /> variations by jurisdictian ta constitute a unlform secudty instrument covering reul pruperty.
<br /> UNIFORM COVENANTS.Bomuwer and Lender covenant and agree us follows: when due the
<br /> 1. Payment of Principnl �tnd Interest; Prepayment and Ia►te Charges. Borrower shall promptly pay ,
<br /> principal of anJ interest or.the debt evtdencecl by the Note and any prepayment and lute charges due under tUe Note. ,
<br /> 2. Fund�for Taxes and IasurAnce. Subjcct to applicuble law or to u wdtten wuiver by i.ender, Borcower shall pay to
<br /> I.ender on the day monthly payments aro due under the Note,until the Note is paid in full,a sum("Funds")for: (a)yearlY tazes
<br /> and assessments which may uttain priorlty over this Securlty Insuument ns a lien on the Property;(b)yei+rrly leasehold payments
<br /> or ground r�nts on the Property,lf any:(c)yearly hazard or property insurancc premiums;(d)yearly flood insurance prcmiums.
<br /> if any; (e) yearly mortgage insurance premiums, lf ciny: and(fl any sums payablc by Borrower to L.ender,in accordanc.e with
<br /> the provisions of paragrapi�8,in lieu of the puyment uf mortgage insurnnce premIums.These Items are c�alled "Escrow Items."
<br /> Lender may,at any time. collect and hold Nunds in an amount not to exceed the maximum amount a lender for a feder�ly
<br /> related mortgage loan may require for Barrower's escrow acco�unt under the federal Real Estate Settlement Pracedures Act of
<br /> 1974 as amended from timc to time, 12 U.S.C. Section 2601 et scq. ('RESPA'),unless another law that applies to the Funds
<br /> Sets a lesser amount. If so. Lender muy, at any time. collect and hold Funds in an umount not to exceed the Iesser amount.
<br /> Lender may estimute the amount of Funds due on the basis of current data and reasonable estlmates of expenditu�s of future
<br /> Hscrow Items or otherwise in accordence wtth applicable law.
<br /> , or end
<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency. instrumentelity ty
<br /> (including Lender,if Lender is such un institutlon)or in any Federal Home Loan Bar►k•L.ender shall apply the Funds to pay the
<br /> Escrow Items. Lender may not charge Borrower for holding and apply3ng the Funds.annually analyzing the escmw aaount,or
<br /> verifyfng the Escmw Items,unless Lender pays Borrower interest on the Funds nnd applicable law perm[is I.ender to make suct�
<br /> u charge. Howevcr. Lender may require Borrower to pay a one-time c6argc for an Endependent real estate tex reporting seNicc
<br /> used by L.ender In conncetlon with this Ioan, unie� appiii;nbtc iaw prcnid� otlter:vl�, Lt�pcc an Aareement is made or
<br /> applicable law requires interest to be paid�Lender shall not be required to pay Bottower any interest or eamings on the Funds.
<br /> Borrawer and Lender may agree in writing.however.that interest shall be paid on the Funds.Lender shdl give to Bormw�r,
<br /> without charge. an annuai accaunting of the Funds. ahowing credits and debits to the Funds and the purpose for which tach
<br /> debit to the Funds was made.The Funds are pledge.d as additional secudty for all sums secured by this Secudry Instrumont.
<br /> If the Funds held by Lender excced the aa►ounts permitted to be held by applicable law, Lender shall accaunt to Barmwer
<br /> for the exce�s Funds in accordance with the requirernents of applicable law. If the amount af the Funds held by Lender at any
<br /> ttme is not sufficient to pay the Bscrow Items when due,Ixnder may �u►�ut�fy �orrower in wridng,and. in such ca.ce Barrowor
<br /> shall p3y to Lender the amount necessary to make up the defic[ency.Bonower shall make up the deficiency in no more than
<br /> twclve monthly payments,at I.ender's sole dlscretton.
<br /> Upon payment in full of all sums secured by this Securiry Instniment. Lender shalt promptly refund to Borrowa ar►Y
<br /> Funds held by L,cnder.If.undcr paragraph 21.L.cnder shall acquire or sell the Propecty,t.cnder,pr�or to the acquisition or aale
<br /> of the Prape�ty.shall apply any Funds held by Ixnder at the time of acquisltion or sale as a cralit against the sums socuced by
<br /> this Security Instrument.
<br /> 3.Applfcation ot Payments.Unless applia�ble(aw provides otherwise.all payments roceivad tiy Lender undex paragrap}►s
<br /> 1 and 2 shall be applied:first, to eny prepayment charges due u►tider the Note; second.to amounts payabk under patagtaph 2:
<br /> third,to interest duc;fourth.to prtncipal due;and]ast,to any late charges due under the Note.
<br /> ' 4�Ciurges;Liens.Borrower shall pay all taxes.assessments. chargcs. fines and imposltioas attributable to the Property
<br /> which msiy attain priority over this Security Instrument. and ie�sehold paymenta or ground nnts. if any.Bormwer shall pay
<br /> these obligations in the manner provided in paragraph 2,or if not paid in that munner,Borrower shall pay them.on time dirxtly
<br /> to the person owed payment.Bonower shall promptly furnish to L.ender all notices of amounts to be paid under tiiis paragr�ph•
<br /> If Borrower makes these payments diroctly.Borrower shall promptly furnish to Lender taxipts evidentirig thr Wyrtients•
<br /> Bo,rsower shall promptly discharge any lien which has priority aver thls Security Instrument unless Borrower: (a)agrees 1�
<br /> wridng to the payment of the obligation secured by the lien in a manner acceptable to Lender:(b)contests in gaod faith the lien
<br /> by, or defends against enforcement of the lien in. legal proceedings which in the Lender's opinion operate to prevent the
<br /> cnforcemcnt of the lien; or(c)secuces from the holdcr of the liea an egrament sutisfactory to Lender suboTdinating the lien to
<br /> this Security Instrument. If Lender determines that any part of the Praptrty is subject to a lien which may attain pdority over
<br /> this Security Instrument,Lender rrmay give Borrower a notice identifying the lien.Bonower shall sadsfjr thc lien or teke one or
<br /> more of the actions set forth ubove within 10 days of the givin�of notice.
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