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<br />- ���';�,.�~�`� 97- 110`�'s
<br /> �•,a TOGETHER WITH nll thc imprnvcments now an c�reaftcr crccted on thc propeny,ur.d ull cascmcnts,uppurtcnuikes,an�
<br /> �`�''�•>••''. � fixtures naw on c�rcaftcr a Fart of thc property. All rcpincements und Additi��ns shull ulso be covcrcd by thfti Sccurity
<br /> �*"�'� � ' Instrumr,nt. All of thc forcgoing is refcrreci to in this Securiry lnstrumcnt as thc"Property."
<br /> �'��� ` '�•�;, BORROW�R COVENANTS thut Borrowcr is luwfully scised af thc cstatc hcrcby convcycd and has[hc right to grant und
<br />,=`r't;���':,�.
<br /> .,t ' convcy thc Praperty and that thc Property ls uncncumbcrcd, cxccpt for cncumbrances of rceord. Borrowcr wurrantti and will
<br /> ;:�°'' defend generally the tide to the Property a�ainst all cla�ms and demnnds,subject to any cncumbrunces of rer��rd.
<br />�� THIS SECURITY WSTRUMENT carnbines uniform covenants for nutional use und nan-uniform covcnunts with limited
<br /> '���-�—�� variutions by jurisdictian to constitutc a uniform securiry instrument covering rcal property.
<br /> ^ . UNIFORM COVENANTS.Borrower and L.endcr covcnant und agrcc us fallows:
<br /> `�! : 1. Payment of Principal and Interest; Prepayment and I.�ie Charg�s. Borrower shall promptly puy when due the
<br /> '. ��•• �� � principal of and intcrest on thc debt evidencul by thc Note and any prepaymcnt and late churges duc undcr thc Notc.
<br /> ,,���� ���� Z. Funds for Taxes and Insurance. Subject to applicablc law ar to a written waiver by Lender, Borrower shall pay to
<br />_���'•�'�'��a Lender on the day monthly payments are due under the Note,until the Natc is paid in full,u sum("Funds")for. (n)yeady tuxes
<br /> �'''��"�'4'' � und nssessments which may attain priority over this Security Instrument us a lien on�he Property; (b)yeurly leasehold payments
<br /> -` ' or graund rents on the Property,if any;(c)yeurly huzard or praperty insurance premiums;(d)yearly flood insurnnce pnmiums,
<br /> ;:l '`.:'�
<br /> ° ' C".�: if any; (e)yearly mortgase insuruncc premiums, if any; and(� mry sums payuble by Borrower to Lender, in accordAnce with
<br /> �. .r.;�� ..�
<br /> -. ;.;,,���.., the provisions of paragrnph 8, in licu af the payment of mortgagc insurunce premiums. These items arc called "Escrow Items."
<br /> "• - �-�•.;��, Lender may, at uny time, collect �nd hald Funds in an nmount not to exceed tt�e maximum amount a lender for a federully
<br />=' •'��-�'f`� related mortgagc loan may rcquirc for Borrower's escrow account under the federal Rcul Estutc SetNement Procedures Act of
<br /> ''• ..r.r•��
<br /> ,. . •,:�,.. 1974 as amended from time to time, 12 U.S.I:. Section ?.601 et sey. ("R�SPA"), unless another law that applics to thc Funds
<br /> ' sets u Iesscr amount. If so, [.endcr may, at any timc, collect nnJ hold Funds in an arnount not to exceed the Icsser amount.
<br /> ,.
<br /> _ � ..y l.ender muy estimate thc amount of Funds duc on the basis of current datn und rea�onable estimates of expenditures of future
<br /> F.scrow Itcros or othcrwise in accordancc with applicable law.
<br /> � . �"�} Thc Funds shall be held in an institution whasc deposits arc insured by a fcderal agency, instrumcntality, or entity
<br /> -�� (including Lender, if Lendcr is such wn institution)or in any Federal Home Loun Liank. Lender shall apply the Funds to pay thc
<br />°" • '� Escrow Items. L.endcr may nor charg: Borrower for holding and applying the Funds,unnually analyzing thc escrow acmunt,or
<br /> ���,�-;��, verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and applicuble law permits Lender to rnake such
<br />' •:",�:,.;•;;, a charge. However,Lender may require Burrower ro pay a one-timc charge for an independent real estate tax reporting scrvice
<br /> •a:,�..
<br /> =. .,�.: _._; __ used by Lender in councction with this loan, unless npplicable law provides otherwise. Unless an �greement is mnde or
<br /> """�"''��� applicablc law requires interest to bc puid, Lcnder shall not hc required to pay Borrower any interest or earnings on the Funds.
<br /> ��";;;�,��� Borrower and Lender may ugrce in writing, howcver, that interest shall bc paid on�he Funds. Lcnder shall give to Borrowcr,
<br /> ,L:,�;.t:M�`� without charge, an snnunl accounting of the Funds, showing creJits and debits tu ihe Futtds und the purpose for which each
<br />_-'_"__,;,�t�,�. debit to the Funds was madc,The Funds nre pledged us additionul sccurity far all sums sccured by this Security Instrurnent.
<br /> —=`-n��` Tf thc Funds hcld by I_ender C�ceed thr amnnnte rcrmittc.�1 t�hc hrld hy epplinble I�w.I.ender shall account to Borrower
<br /> .,�.•,.; rS.,
<br /> ="�;�' for the excess Funds in accordnnce with the rcquirements of applicable Inw. If the amount of the Funds held by Lender at nny
<br /> -�"`�'`' time is not sufficient tu a the Escrow Items when due, Lender ma so notif Borrower in writin and, in such case Borrower
<br /> ,�-�•; ;n� p Y Y � Y S•
<br /> -�:;;�:'�+��. shall pay[o Lender thc amount neressary ro makc up the deficicncy. Borrower shall make up the deficicncy in no rnore than
<br /> =_.�r�;�� twelve monthly puyments, at Lendcr's sole discretion.
<br />--_�+�*��=� Upnn payment in full of all ,ums secured by this Security Instrument, Lender shall promptly refund w Horrower any
<br /> ��""�:�,� Funds held by Lendcr. If, undcrparagraph 21, L,endcr shall acquirc or sell the Property.Lender, prior to the acquisitionor snle
<br /> --=;_a� of the Property, shull upply any Funds held by Lender at the time of ucquisition or sale as u credit against the sums secured by
<br /> `��,-='_°.. this Security Instrumcnt.
<br /> 'L_"• .
<br /> h.•.`1'":;^,.,. 3.AppNcuNon uf Puyments. Unlcss applicable law provides othcrwisc, all paymcnts rcceived by C.cndcr under paragraphs
<br /> � Tr:,�•.;,.;..� I and 2 shall bc npplied: tirst, to any prepaymcn[charges duc undcr thc Note;second, to umounts payable undcr paragrs�h 2;
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