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<br /> TOt}BTHBtt WITH NI the lmprovementa aow or hereattcr erected on the property.ond nl!enaements,appunennnces.nnd [
<br /> flxtuces now or hereatter n part of the property. Ail replucerttente and zdditiona shall also be wveced by this Sccuriry `.'-
<br /> Instrument.All c�P thc for�golna ia refem�d to in this Securlry Instnimcnt ns the"Prop�ay."
<br /> ° . BORROWER COVBIdANTS thut Borrower is lawfuily salsed of the estate hcreby conveyed artd das the r��ht to grnut�nd �
<br /> � c�nvey the Peogerty oaed thut the Property ia unencumbEred. except for encumbrunces of rccord. Borrowet wurrants nnd wiil
<br /> �, . defead genernlly the title to the Property agatnst nll clnima ond demnnds.subject to nny ettcnnibrunces of record. �_
<br /> � TH1S SECURiTY INSTRUMeNT wmbinea uniform covenanta for autionul use and non-uniform covennnts with liraited �`
<br /> �..—� variationa b�jurisdiction to consdtute a uniform securiry inatrument coveeing reul property. �
<br /> �""� UNIFORM COVBNANrS.Bo�rower and Leader covenant and aBree as follows: .
<br /> `""`��` 1. Pnyment of Alnclpai end Wterest;Pi+epay�ent end Late Charges. Borrower shall pmmpEly pay when due the -
<br /> i p�incipal of and interest oa the debt evideaced by the NQte aad any prepayment and tate chargea due under the Note.
<br /> � 2. Funds for Texes and Insurance.Subject to applicable law or to a written waiver by Lender, Borrower shall pay w �
<br /> �; Lender on the day monthly payments are due under the Note.until the Note ia paid la fu11.a sum("Funds")for: (a)yearly uues _
<br /> . aad assessments which ma�r attain psiodty over thia Security Inswment as a lien on the Property:(b)yeruiY leasehotd payments �
<br /> �T or grouad ren�a on the Property.if any;(c)yearly hazerd or property insurance premiwns;(d)yearly flood inaurance premiums, _
<br /> if any;(e3 Yearly raortgage inauraace premiums. if any:and(�aaY sums payable by Bornower to Ixnder.ia axordence with =
<br /> � " �. the proWsions of paragraph 8,in lieu of the payment of mortgage lnsurance premiums•'ftiese items are c�lled "EscroW Ite°�s•� o
<br /> � Leader may, az any time. collect and hold Funds in an amount not w exceed the waxirawn amouat a lender for a federally __
<br /> � � relatod mortgage loan may req�dre for Borrower's escrow account uader the federal Real Eatate Settlement Procedures Act of -_
<br /> '� 1974 as ameuded from dme to time. 12 U.S.C.S�cdon 26U1 et seq. ('RESPA").ualess another law that appliea w the Fuads
<br /> sets a lesser amount. If so, LEnder may. at any time, collect and huld Funds in an aiaouat not w exceed the lesser amouat. �;
<br /> . �`.:;� Lender may estimate t6e amount of Funds due on the basis of cu�reat data and reasonable esdmates of expeadIwres of future --
<br /> . . Escrow Items or otherwise in accordance wlth appltcable Jaw. --
<br /> � .;'^ The Funds shall be held in an institation whose deposits are iasured by a federal agency. insuwnentality. or entity
<br /> (including Lender,if I.ender is such an institudon)or in any Federal Home Loan Bank.Lender shall apply the Funds w pay the
<br /> ,=4., Escrnw Items.Lender may not charge Borrower for holding and applying the Funds.anaually analyzin�che esecow account.or
<br /> _;��;+:°. verlfying the Fscrow Items.unless Lcader pays Barrower iaterest on the Funds and applicable law permits Lender to make such
<br /> �=�=-m. � a charge.However.Ixnder may rcquire Bomower to pay a one-time charge for an independent real estate cea reportin8 sen►ice
<br /> -`"=`n� nsed by I.ender in conaection with this loan, unless applicable law pmvides otherwise. Uniess an agreemenc is.made or
<br /> """'�".�,,, � applicable law requires tnterest w be paid,L.eader shall noi be neqatred to pay Borrower any iaterest or eamings on che Funds.
<br /> �':;e"':' .J., il
<br /> .:..t�J;r� � Borrower and Lender may agcee in wrlting.however. thae interest shall!ae patd on the Funds. L.eader sLaU�ive to Bornewer,
<br />=°r�n without charge. an annual aocountin8 of the Fuada. showing credits aad debits to the Funds and the purpose for which each
<br />;-=T�''' � debit to the Funds was made.The Fuads are pledged as addidonal sewrlty for all sums sea►red by this Security Yusaumeat.
<br /> :�� if the Fun�s held by I.ender exceed the amounts permitted to be held by applicable law,Lender shall account w 8orrower
<br />-y-�,,�.—��� for the excess Funds in accordanoe with the requirements af applicable Iaw. If the amount of the Funds held by I.ender at aay
<br />-�:�:a�; dme is not sufficient w pay the Bscmw Items when due.I�end�r may so aotify Borrower in vnitIng.and.in such case Bon+ower
<br />:-s;�;-6,;;�; ahall pay to I.ender the amonat necessary to makc up the deSciency.Borrower shaU make up the deficiency in no more than
<br /> --�--�°-�; tweive monthly payments,at Lender's sole discrettoa.
<br />-_-iwr::,;.�i Upon payment in full of all sums secured by ttus Securlty Insuument, Lendor shall promptly reflmd to Borrower any
<br /> -=:"�"`��` Funda held by Leader.If,uader paragraph 21,Lender shall acquire or seU the Property,Lender,prlor w the acquisition or sale
<br /> ---_; of the Property,shall apply any Funde held by Lender at the time of acquisition or sale as a credit against the sums secured by
<br /> -- .-_.-.,��,,,; this S�urity Insutmnent. .
<br /> 3.AppllsatEon oi Aayments.Unless appHc�ble law provides otteeruvise,all payments received by I.eader under paragraphs
<br /> __�_��+�j 1 and 2 shall be applied: ficst.co any prepaYment charges due uader the Note;s�cond,to aatounts payable under paragraph 2;
<br /> __�� third.to inte�est due:fourth.w princIpal due;and last.to aay late charges due uader ttte Note.
<br /> ---- 4.C6arges;Liea9. Borrower shall pay ail taxes. asse,vsments�chacges,fines pnd impoutions amibutable w the Property
<br /> --- =� W}�ch may attain prtorlty over this Securiry Instrument,and leasehold,Pgyments or ground re�nts. if any.Somower shell pa�
<br />—~—��-�,i these obligattons in the manner provtded in paragrapfl 2.or if not paid in tbat manner,Borrower ehall pay them on time directly
<br /> �!'�� . w tho person owed payment.Borrower shall prompdy fumish to Lender all nodces of amounts to be paid under this paragraph.
<br /> If Borrower makes these payments directly,Bomower shall prom�ptly fumish to Lendttr receipts evidencing the gaymauts•
<br />��� Boirower shaU pmmpfly discharBe az►Y lien whlch has priortty over this SecurIty Insmunent unlesa Borrower:{a)agrees ia
<br /> �-��-- writing to the payment of tho obligatlon secsue�by the liea in a manner Axeptable w L,ender:(b)oantests in good fa[th the llea
<br /> �.��;�,� by. or defends againsc enforcemeni of the lien in, 1e8� P�88 which in the L,eadeac's opinion operate W prevent tha
<br />�-_,,o""�-'�" eng'orcement of the liea;or(c)secures from the halder of the llen an agreemeat satisfactory to Lender subordiaating thc lien w
<br /> z��:;�:;,�,• thfls 5ecucity Insaumznt. If Lender deteimirces that any part of the Pmperty ia subject to a lien which may auaia prlority over
<br />-titi,;: :�;,a,�: this 5ecurity Insuument. Lender may give Somower a aodce identify�ng the lien.Bon+ower shall satisfy the lien or take oae or
<br />- �•���`- - ' (J more of the aaions set forth above wIthin 20 days of the giving of aotice. �
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