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<br /> TO(l�THER W1TH►tll the improvements now ar hereaRer erected on the property,and sll oasements, appurtenancea,nnd
<br /> fixtures now or hereafter a pan of �he pruherty. All replacementa and addittona shall alao be eovcrtcl by thle 5ecurity
<br /> Instrumcnt. All of ihe fore�oing ia referred to in thie Security lnstrument as thc"Property."
<br /> BORROW�R COVBNANTS�hat Borrower Is lawfully sciKd of the ostate hereby conveyad and h�thc rfght to Rr�nt u►d
<br /> convey the Prepany and that the Prapeny i� unencumberal, excepe for encumbrwncc� of record, Fiurrower watran�� u�d wfll
<br /> defend generally tha title to the Propercy ag+�ln�t�11 clalms end demands, eubJect to any encumbrancea of recard.
<br /> THI5 SECURI7'Y INSTRUM�?NT wmbinea uniform caven�nt�for national usc and non-uniPcrcm covcnanis with limlted
<br /> varlations by Jurisdictian to c�nstitute a unifarm sccurlty instrument covering real propeny.
<br /> UNIFORM COVENANTS. Iiorrowcr�u�d Lcndcr cavenant and agrcc as follows: �
<br /> 1. P4yment nP Princippl wnd Intettst; Pre{►wyment and LAte Chprges. Borrower �hall promptly pay whui duc thc
<br /> principal of and interest on thc d�bt evidenccd by the Notc and any prcpayment and late ct�argeg duc under the Note.
<br /> 2. F�nds[or Tpxes and Insurance. Subje.ct to applicable law or to a writtcn waivcr by Lendcr, Eorrower shall pay to
<br /> Lendec on the day monthly payments arc due under the Notc,untU the Notc is paid in full, a sum("Funds")for:(a)yearl.y taxcs
<br /> and assesaments which may attain priority over this Security Instrument as a lien on the Property;(b)yGarly leaschold payments
<br /> or ground rents on the Property, if any;(c)ycarly haznrd or property insurancc prcmiums; (�I)yearly Flood insucance premiums,
<br /> if any; (e)yearly martgaga insurance premiums, if any; and (�any sums payable by Barrower to Lender, in accordance with
<br /> the provisions of paragraph 8, in Ueu of the payment of mortgage inaurance premiums.These items are called "Escrow Items."
<br /> Lender may, at any timc, collec[ and hold Funds in an amount not to excced thc maximum amount a lender for a feder�lly
<br /> related mortgage loan may require £or Borrower's escrow account under the federal Rea! Pstate Settlement Pmcedures Act of
<br /> 1974 as amendai from time to time, Y2 U.S.C. Section 2601 et seq. ("RESPA"),unless another law that applies to the Funds
<br /> set3 a lesser amount. If so, I.ender may, at any time, coilect and hold Funds in an amount not to eaceed the lesser amount.
<br /> Lender may estimato the amount of Punds due on the basis of current data ancl reasonaUle estimates of expenditures of future
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shall be held in an institution whose deposits are Insured by a federal agency, instrumentality, o�r entity
<br /> (including Lender,if Lender is such an institution)or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the
<br /> Escrow Items.Lender may nat charge Borrower for holding and applying the Funds, annually analyzing ttie escrow account, or
<br /> veritying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits I..ender to make such
<br /> a charge, However, Lend�r may require Borrower to pay a one-time charge for an lndependent real estate tax reporting service
<br /> uscd by Lander in connection with this loan, unless Applicable law provides otherwise. LJnless an agreement is made or
<br /> applicable law requires interest to be paid,I..ender shall not be required to pay Bonower any interest or eaznings on the Funds,
<br /> Bonower and Lender may agree in writing,howeva, tha�interesc shall bc paid on the Funds. Lender shall give to AorrowCr,
<br /> witheut charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for whieh each
<br /> debi[to the Nunda was mada The Funcis arc pir.�igcd iu uuditior,al s�cµri.y for�.:s;:.�°.�xur;.��;�his SPe�a�i�;Iric�n�r�nt.
<br /> If the Funds held by I..ender exceed the amounts permitted to be held by applicable law, Lender shall accc�unt to Borrower
<br /> for the excess Funds in acwrdanc:e wlth ihr,requirements of applic,�ble law. If the amount of the Funds hcld by I.ender at any
<br /> time is not sufti�ient to pay the Escrow Items when due, I.ender may so notify Bonower in writing, and,9n such case Bortower
<br /> shall pay to lxnder the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
<br /> twelve monthly p�yments,at i.ender's sole discretion.
<br /> Upon payment in full �f all sums secured by this Security Instrumont, i.ender shali promptly refund to Borrower any
<br /> Funds held by Lender.If,under paragraph 21, I.ender shall acquire or seU the Property, Lender,prior co the acquisition or aale
<br /> of the Property, shall apply any Funds held by Lender at the tinie of acquisitlon or sale as a credit against the suma secund by
<br /> this Security InstNment.
<br /> 3.Applicatbn ot Payments.Unless applicable law provides otherwise,all piyments recclvul by Lender under pua�c�phs
<br /> 1 and 2 shall be applied: first, to any pr�payment charges due under the Note; second,to amounts payable under paragraph 2;
<br /> third,to intenst due;fourtli,to principal due;a��d last,to any late chazges due under the Note.
<br /> 4.Charges;Lienc. Bonower shall pay all taxes, assessments, charges, fines and impositlons attributable tcr the Properry
<br /> which may attain priority over this Security Instrument, and leasehold payments or ground nnts, if any. Borrower shall pay
<br /> these obligations in the manner providecl in paragraph 2, or if not paid in that maaner,Borrower shall pay them on time ditxtly
<br /> to the pecson owed payment. Borrower shall promptly fumish to Lender all notices of amounts ta be paid under this paragraph.
<br /> If Bonower makes these payments directly,Bonower shall promptly fumish to L.ender receipts evidencing the payments.
<br /> Borrower shall promptly discharge any lien which has priority over tY�is Security Instrument unl�ss Boreower:(a)agrees ia
<br /> writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; ;b)contests in good faith the lien
<br /> by, or defei�ds �gainst enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
<br /> enfotcement of the lien;or(c)secures from thc ho(der of the lien an agreement sacisfactory to Lender subordinating the lien to
<br /> this Security Instn►ment. if Lender deternunes that any part of the Pr�perty is subject to a lien which may attain priority over
<br /> this Security Instrunknt, Lender may give Borrowcr a notice identifying the lien,Borrower shall satisfy the lien or take one or
<br /> more of the actions set forth above within 10 days of tlie giving of notice.
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