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<br />=-��� TOG6THER W1TH all the improvcments now or hereafter erectcd on the property, and all easements, appurtenances, and
<br /> �t-=�� fixtures now or hereaftGr a part nf the propeny. All replacements and additions shall also be covered by this Securiry
<br />_��K���� In�trument.All of the foregoin�le refcr_cd to in this Securiry instmment as the "Propeny."
<br /> ��,� BORROWBR GOVENANTS that Borruwer is lawfully s�ised of the estate herebyconvcycd and has the right to gr�nt and
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<br /> r;_��',� convey the Property and that the Property Is unencumbered, �xupt for encumbran�a of record. 8orrower warrants and wi
<br /> _ defend generally the title to the Propeny ag�inst alt clalms and demapds, subJect to any encumbrances of record,
<br /> �.r;�'��� THIS SF.CURITY INSTRUMBNT combines unlform covenants for national use and non-uniform covenants with limited q
<br /> _:= variations by jurisdiction to consdtute a uniform sec�ariry instrument covering real property.
<br /> --- - UNIFORM COVENANT�.Burrower and I.cnder covenant and agra as follows:
<br /> '�� 1. Ypyment of Princlpwl and lnterest; Prepayment Rnd I.ptc Char��+. Fiorrower shall promptly pay when duc thc
<br />_------��� pdncipal of and interest on the debt evidenced by tlie Note and any prepayment and latecharges due under the Note.
<br /> ` - 1. F�nds tor Taxes And Insurnnce. Subject to applicable law or to a written waiver by l.ender, Borrower shall pay to
<br /> =�'�3 I.ender on tl�c day monthly payments arc duc undcr the Note,until the Note is paid in full. a sum("Funds")for:(a)yearly taxes
<br />=v�'=s� and assessments which may nttain priority over this Security Instmment as a lien on the Proparry;(b)yearly leas�hold payments
<br /> --s��-�' earl hazard or ro rt insurance remiums;(d)yearly flood insurance prcmiums,
<br /> or ground rents on the Property,if any;(c)y y P a Y P
<br /> ___-_ - if any; (e)yearly mortgage insurance prcmiums, if any; and(�any sums payable by Borrower to Lender, in accordance with
<br /> -" [he proviaions of paragraph B, in lieu of the payment of mortgage insurance premiums,These items are called "Escrow Items."
<br /> _ Lender may, at any time, colicct and hold T'unds in an amoum not ta exceed the miximum amount a lender for a federally
<br /> relatcd mortgage loan may require for Borrower's escrow account under the federal Real Bstate Settlement Pr�cedures Act of
<br /> -- 1974 u amended from timc to time, 12 U.S.C. Section 2601 useq. ("R�SPA"), unl�ss another law that applies to the�unds
<br /> -- - sets a lesser amount. If so,L.ender may, at any time, collect �nd hold Funds in an emotmt not to exceed the lesser amount.
<br /> L,ender may estimate tha amount of Funds due on the basis of current data and reasnnable estimates of expenditures of future
<br /> - Escrow�tems or otherwise In accordance with applicable law.
<br /> ��� The Funds shall be held in an inatitution whose deposits aze insurai by a itderal agency, instrumentality, or entity
<br /> (including[.ender,if Lender is such m institutlun)or in any�ederal Home I.oan Bant.Lender shall apply the Funds to pay the
<br /> Escrow Items. Lender may not charge Bonower for holding and appiying the Funds.annually analyzing the escrow account,or
<br /> verifying[he Escrow Items,unless L.ender pays Aonower intorest on the Funds and applicable law permlta Lender to make such
<br /> a cherge.However, I.ender cnay require Borxower to pay a one-time charge for an independsnt real estate tax rcporting service
<br />"� used by I.ender in conn.ctian with this loan, unless applicable law provides otherwise. Unless an agr�ement is made oc
<br /> — applicaGle law requires interest to bc paid,I.ender shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> Borrower and Lender may agrce in writing, however,that tnterest shall be paid on the Funds. l.ender. shall give to Horrower,
<br /> wiihouc chargo, �� aru►ual �,ca�nting of the Funds, showing creciitc and deUits to tAe Funds and the purpose for which each
<br /> debit to the Funds wu made.The Funds are pledged as additional security for all surns secural by this�ecurity Instrument.
<br /> if the Funds held by l.ender exaed the amounts permitted to bc held by applicable law, Lendcr shall account to Bonower
<br /> for the�acess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any
<br /> time is not sufficient to pay the Escrow ltems when due, Lender may so notify Aorr�wer in writing,and,in such case Bormwer
<br /> � shall pay to Lender the amount necessary to make up the deficiency. Bonower shall make up the deficiency in no more than
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> Upon paym�nt in full of all sums secured by this Secudty Instrument, l.ender shall promptly refund to Borrower any
<br /> Funds held by I.ender. If,under paragraph 21,I..ander shall acquire or sell the Propedy. L.ender,prior to the acquisition or sale
<br /> of the Property, shall apply any Funds held by Lender at the time of a�yuisition or ule as a credit against the sums secured by
<br /> this Security Instniment.
<br /> 3. Agplics�tbn of Paymmts.Unless applicable law provides othcrwise, all payments received by Lender under pazagraphs
<br /> 1 and 2 shali bc applied: first, to any prepayment chazge�due under the Note;second, to amounts payablc undcr paragraph 2;
<br /> third,to interest due;fourth, to principal due;and last,to any late charges due under�he Note.
<br /> 4. Charges; Lien9. Borrower shall pay all taxes, assessments,charges, fines and impositions attributable to the Property
<br /> which may attain prioriRy�ov�r rhis Security [nstrument, and leasehold payments or ground rents, if any. Borrower shall pay
<br /> these obligations in�l►�iu�►une�p�vid�i in paragraph 2, or if not paid in that mazuier,Borrower shall pay them on time dirsctly
<br /> to the pecson owed payment. Borrower shall promptly furnish to i.ender all notices of amounts to be paid under this puagraph.
<br /> If Borrower makes these payments directly, Borrower shall promptly fumish to Lendar receipts evidencing the payments.
<br /> Borcnwer shall pro�nptly c�ischarge any lien which has priority over this Security[nstrument unless Bonowcr. (a)agrees in
<br /> writing to the payment of the obtigation secured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal praxdings which in tlu I.ender's opinion operate to prevent the
<br /> enforccment of the lien; or(c)secures from the holder of the lien an agrecment satisfactory to L.end�r subordinating the lien to
<br /> -.—.� this Security Instrument. If Lender determines that any part of the Propeny is subjat to a lien which may attain priority over
<br /> _--�=� this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrowcr shall satiafy the lien or take one or
<br /> j;�;M�„�-� mote of the actions sct fotth above within 10 days of the giving of notice.
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