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<br /> ��-:� TAGETHEk WITH all thc improvements n�w ar herafter erected on the property, and all ease -ents, nances, and
<br /> �T:�.s fixwres now ar horeafter a pan of the pmpeny. All replacements and additions shall also be covered by this Security
<br /> _____ Instrument, All of the foregolag is referred to in this Secudiy Insttument as the"Property."
<br /> —�a SORROWBR COVENANTS thpt Borrower is lawfully sciscd of the estate hcreby conveyed and has the right co grant and
<br />,,��:,.,�,'� convey the Proparty and that the Pmpeny is unencumbercd, except for encumbrances of record. Borrower warrants and will
<br /> ���� defend generally the title to the Propeny aga�iast�ll claims uid demands, subject[o any encumbrances of recorcl.
<br />__:��� THIS S�CURITY INSTRUMENT combinos uniformcovenants for national use and non-uniform covenants with limited
<br /> —_- variations by juriscliction to constitute a unlform security insttument coveeing real propeny.
<br /> -- - UNIFORM COVENANTS. Borrower and l,ender cavonard and�gree as folQows:
<br /> 1. Pwymrnt of Principal and Intcrest; I'rep�ymeat raad LAtc Chrrges. Borruwer shall promptly pay when due thc
<br /> --�-�--�'- principal of and intercst on the debt evidenced by the Note�nd any prepayment and late chazges due under the Note.
<br />- - 2, Fuads[or Taxes wnd Insurance. Subjcct to applicable law or to a written waiver by Lcnder, Borrower shall pay to
<br />'"���`a I.ender on the day monthty payments are due under the Aloce,until the Note is paid in full,a sum("Funds")for.(a)y�ady taxes
<br />_�-� and assessments which cnay attain priority over this Securi�y Insmiment as a lian on the Property;(b)yearly Icasehold paym�nts
<br />- � or ground rents on th�Property,if any;(c)yeaziy hazard or property insurance premiums; (d)yearly flood insurance premiums,
<br /> 4�.� if any; (e)yeazly mortgage insurana pnmiutns, if any; and (8 anY sums payable by Borrower to L.ender, in accordance with
<br /> -= the provisions of puagraph 8,in lieu of the payment of mortgage insurance pcemiums.These items are called"Escrow items."
<br /> = Lcnder may, a[any time, collxt and hold Funds in an unount not to exceed the maximum amount a lendcr for a fedcrally
<br /> - related mortgage loan Yruy require for Boirower's escraw�ccount under ihe federal Real Estate Settlement Procatures Acc of
<br />��± t974 as amended fmm time to time, 12 U.S.C. Section 2601«seg.("RESPA"),unless another law that applies to the Funds
<br />-_�� sets a lessor amount. If so, Lendor may, at any time. �:ollect utid hold Funds in an amotutt not to exceed the Itsser amount.
<br /> _ Ler►der may estimue the amount of Funds d�e on the buis of current dua and reasonable cstimates of expenditures of future
<br />�,y�� Escrow Items or othemise in accordance with applicable I�w.
<br /> - The Funds sh�ll be held in an institution whose deposits are insured by a federal agency, instn�mentality, or entity
<br /> (including l.ender,If I.ender is such an institution)or in�y Federal Home Loan Bank.Lender shall apply the Funcls to pay the
<br /> - Escrow Items.I.ondor may no[r.harge Borrower for holdiag and applying the Funds,annually analyzing the escraw account, or
<br /> verifying the Escrow Items.tinless Lender pays Borrower intorest on the Funds and applicable law permits Lender to make such
<br /> a chuge.However,Lender may require Borrowcr to pay a one•time charga for an independen[real atate tax reporting service
<br /> �' uxd bv I.ender in ccmnection wi�h this loan, unless applicable I�w provides otherwise. Unless an agreement is made or
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