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<br /> 'I'OCiETHER W1TH nll tho improvamente now or hereatter erected on the property, and ell eesements,
<br /> epp�irten�nces,and fixturos now or Eureafter u nert o!tho property,All replecaments and additione ah�ll also be covered
<br /> by this Security lnstrument.All ol thot�neain��e referred to in thie Security Inr;rurr...,►t as the"Property,"
<br /> 1�ORROW�R CQVENANTS thet Aorrawer ie luwfull��r,aised ot the estata hereby conveyed and hss tho right t�
<br /> grant end convey tho Property and thet tfie Property ie unnncumbered, execpt tor encumbrences ot rec�rd, 1���rrower
<br /> warren�9 end will doiend generallyttietitloto the Property egeinatall clnims and domendg,subject to any encumbranccw _
<br /> ot record.
<br /> '['HIS SFCURITY INSTRUMENT combinrr.s unitorm cuvena»ts tor nettonel ��.ge and non-uniform covenents with
<br /> limited v�riationaby jurisdictianto conatitutee unitorm sccurity instrumentcovering real property.
<br /> UNIPORM COVFiNANTS.Horrower and I.ender cova�ant and egree es followd:
<br /> I. P��mcnt�t Princip�l and Interest;Prepayment rnd L�te Char�es. Dorrower shall pr�amptly pay when due _
<br /> .he principal ot and interest on thedebt evidencW by the Note and any prepeyment and lete ch�r�ev due under the Note.
<br /> 2. Funde ior TaYe�and Insur�nae.Subjxt to epplicable lew or to e written weiver by I.ender, Borrower shell
<br /> pay to I.,ender on the day monthly p�ymentt;aro duo under the Note,until the Note ie paid in full,a aum ("Funds")for:
<br /> (a) yearly taxes end a�ments which rn�y attain priority over this Security Inetrument es a lien on the Property; (b)
<br /> yearly leaschold peymants ar ground rente on the Praperty, it any; (c) yearly hnzard or property insurance premiums;
<br /> (d)yearly flood insuren.ce premiurc�s,iE any; (e)yearly mortgage insuranco pramiums,if eny;pnd(f)eny eume payable
<br /> by Dorrower to Lender,in accordence with tho provisions of paragraph S,in iieu c�f the�>ayment of martgage insurance
<br /> premiums.These items aro alled^L'9crow Iteme."Lender msy,at eny time�collcet end hold Funds in an amount not
<br /> to exceed the maximum amount a lender for a dederally related mart�age loan may roquira for Borrower'� escrow
<br /> account under thc federal Real Estau Setticment Pracedurea Act ot 1974 ae amended from time to time, 12 U,S.C.
<br /> Sectian 2GQ1 et seq. ("RESPA"),�snleas anothor law th�t appliea to thc Punds aets a I�ser amount.It so,L,ender may,
<br /> at any tima,collxt and hold Funds in an emount not to oxcad the lesser amount.I.ender may estimata the amount of
<br /> Funds due on the basie ot current daq and reasonable estimaus ot expenditures oi futuro Escrow Items or otherwise in
<br /> accordance with nppliceble law.
<br /> The Funds ehall ba held in an institution whoso dcposits are insured by a federsl agency, inntrumentality,or entity
<br /> (including Lender,it Lender ia auch an institution)or in any Pederal Home Loan Bank.Lender e�ell apply the Nunds ta
<br /> pay the Fscrow Itema. L,ender mny not.charge Borrower tor holding and epplying the Funds, ann��ally enalyzing the
<br /> escrow account,or veri[ying the Escrow Itcme,unlesa I.ender paye Borrower interest on the Funds�nd �pplicAble lsw
<br /> permits Lender to meke such e ch�rga However, Lender may require Borrower to psy a one-time charge [or an
<br /> independent real estete tax repc�rtingservica useci by[.ender in connection with this lonn, unl�s applir,able le�v provides
<br /> otherwise. Unless nn agreement ia rnede or applicable law requires interest to be peid,L.csnder sh�ll not be required to
<br /> pay$orrowcr any interest or earnin�s on the Funds. Borrower and l.ender may ngree in writing,however,that interest
<br /> shall be peid on the Funds. T.ender ahell givo to}3orrower,without charge,an annual accounting of tho I�unde,showing
<br /> credits end dobita to the Funds and the purpose tor which each debit to the Funde was mnde.Thn Funda are plcdged acz
<br /> additional security for ell aums secured by thie Security[nstrument,
<br /> It the Funds held by Lender axcr�d the nmounts permitted to be held by epplicable law, Lender shell account to
<br /> Borrower for the excese Nunds in accot•cunce witi�ti�e roquirementa ot appiicab3e law,i�ihc amouni oi ino Fun�i►efci
<br /> by i.ender at any time ie not sut(icient�to pay the Escrow Items when due,I.ender mey so notify Borrower in writing,
<br /> and, in such case Finrrower ahall psy to I.�nder the amount nxeasary to make up the deficiency.Borrower shall make
<br /> up the de[iciency in no more than twelvd monthly paymenta,at Lender's eote discr�tion.
<br /> Upon paymcnt in full ot ell eums secured by this Security Inetrument,L.ender sh�ll promptly retund to Borrowcr
<br /> any Nunds held by L,ender. If, under paragrepli 21, I.e�ider shall acquire or sell the Property, L,�nder, prior to the
<br /> acquisition or salc o[tha Property. shall apply any Funds held by Lender et the time of acquisiti�n or sale as r credit
<br /> against the sums securod by thisSocurity Instrument.
<br /> 3. Applicition of Payments.Unless applicable law prnvides otherwiea,all payments rxeived by l,ender under
<br /> paragraphs 1 nnd 2 ahall bo ep�lied:tire+t,to nny propayment chnrges dua under tho Note;second, to amounts psyable
<br /> undcr peragraph 2;third,to int�rest due;tourth,to principal due;and le.9t,to any late charges due undcr the Note.
<br /> 4. ChsrYes; Liens. Borrower shall pay all texes,asscssmen�9, charges, fines and impoeitions Yttributablo to the
<br /> Property which mey attain priority over thie Security Instrument, and leasehold payments or grour►d ronta, if any.
<br /> l3orrower shall pay th�se ohligatiomsin the menner provided in paragraph 2, or i!not paid in that maaner, Borrower
<br /> ehel! pay them oh�i�E�+eFtiv to ihe perEOn owed pnyment.Horrower shell promptly turnish to Lender all notices of
<br /> amounts to be peid under fhi's paragreph.If Borrower mek�these payments directly, 13orrowor shell promptly furnish
<br /> to Lender rxeipts evidencing thep�ymenta.
<br /> Borrower shall promptly discl�ergo any lien which has priority over this Saurity Instrument unless Boivawer: (e)
<br /> agrces in writing to the payment of the obligation sxured by the lien in a manner ncceptable to l,endcr; (b)contests in
<br /> ga�d faith the lien by, nr defends ag�inst enforcement of the lien in, legat proceulin&s which in the L,ender's opinion
<br /> operate to prevent the enforcernent of the lien; or(c)sxurea from tho holder of the lien an agreernent satisfectory to
<br /> Lender subordineting the lien tothisSecurity Instrument.If Lendar determines thet any part of the Property is subjoct
<br /> to e Sien which may attain priority over this Security Instrument,L,ender may give Borrowor a notice identifying the
<br />- lien. Borrower shell setiefy the lien or take ane�r more ot the actions set forth abovo within 10 days of the giving ot
<br /> notica.
<br /> Fwn� 3021 !/
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