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� :�� : -_ .. ,.__,.- • ... .,._ ___ ' .- - .._,r.ar.r=+�m�---'- . W..---��-_.�=.y,.,� ... . . _ .. + - ._. . 9�=�106'713 Toc)6�7iElt wITH d�u,e Improve�rcna�ww or hereatter erxtea on ttic�.-operty�and�u earemenu,appuriea�acer► �nd ffxwra aaw or haesfter�pat of the prnpecty. All repLcements and additioaa shill Wso be coveoed by tbi�Sacurity laqrumca� All of tbe fa�oia�i�iefemed to in thii Secudty Liawment a thc"Praperty." BOItROW�R COVENAfV'PS t1w Bmrowa ls lawfully�el�ed of tho ertate hercby conveyed a�d lua the dQht w�at aed cunvey the �nd du�t tbe Propetty is unencumbeirod.oactpt far encumbrances of recad. Bcrrowu wuraot�aad rvW deknd Qeoail�dUe w the Propeity agdast�li cldnu u�d demanda.�ubject to any encumbrnaoa af record. THI3 SECUEtTfY INSTRUMBNC combiaes unifaem coven�ats t{ar natloiul uso and noa-uniform oovawNs wid� - ---- Uwited variaUonr by Juricdlction m coastitute a w3focro securlty inst:ument covering real pt�operty. UNIFORM COVENANT3. Bomnwa and Lenrkr coveaant and ag�eo as foUowa: 1. Paympit o[Pclndpd�ud latereoti�P�Y�pt�ad I.�te Char�. Bmrower shdt promPaY PaY w6eA due the pdacip�1 of aud inta+est on the debt evidencs�by the Nota aad any pnpayment a��d late charge�due under the Note. Z. �nds�or'hxse and Iiome�uca Subjxt to applicable law or to a written waiver by Lender.Borrower shall paY tu Lendar oa the day montdly payma►ts u+e due under the Note.undl the Note is paid in full.a sum{"Fw�ds")for.(a)yearly -` — — taxes and assessment�which may utain p�iarity over thi�Securiry Inswment rs a lien on the I�cu►perty;(b)Ycarly leasehold — paymcnts or ground�ents on the Ptoperty. if nny: (c) Yearly hazend o�propeny insurance piomiwns: (d) Yeady flood insurance premiums.if any:(o) yeady mortgage insw�ance premiums, if any; end(�any aurnr payable by Borcower w Gender,in accordance widi the provislona of paregreph 8,in lieu of�he paymeat of mortgage insurance premiums• 77�ese - items ere celled"Escrow Items." Lender may.at any t�ma.collect and hold E�nda in an emount not w excad tA�e maxlmum - amount a lender for a federally rclated mongage Ioan may roquioe for Horrowerl�escrow axamt under the federal Real Fstotc Seulemeat Pracedures Mt of 1974�s ameaded from dme to time.12 U.S.C.�26t1!et seq.("RESPA"),unless anattier ;�;; law that epplies to the PUnds sets a lesser aa�ounG If so.l.ender raay.et any t�me.collect and dold Fundr jn an amount not w exceed the lesser amount. l.ender may esHmat� the amount of Funds due on the basfs of cument datw Aud teasonablo = esdmates of eapenditures of futuro Escrow Items or othenvlse in accordance wi�h appllcable law. "" The PWnds ehall be held in an instituaon whose deposits are inswed by a federal egcncy,iasw�r�eMality. or entity , i.*r,„�, . (Iacluding I.ender,if I.ender is such an instituaon)or in any Federal Home Loan Bank. Lender shell apply 1he Funds to pay the Escoow Items. I.ender may not charge Bomower for hoiding and applying the Funds.annually analyzing 1he escrow - � ' . account, or verifying the �sc�ow Items. unless l.ender pays Borrower inter+est on the PUnds and applicAble low pertnits . • ' ;`7�- '� Leader to malce sueh a charge. However,Lender mayreq ui� Borrower ta pay a one-dme charge for an independent real estate tax neporting service used by L.ender in conreution with this loan,unless npplicablo law provides othenvise. Unless an '' ag�emcnt is made or applicable law requires inter�est w be paid.Lender shall not be requirod to pay Bortower any interest or „- eamings on the Punds. Borcower end Lender may agree in wdting,howcver,that interest shall be paid on the Funds. I.ender -- shall give W Borrower.wllhout charge,an annual accounting of 1he Plinds,showing cmdlts and debits w the Fwids and the ` purpose for which each debit to the Ponds was made. The Pbnds arc pledged as addltional secudty for all sums securcd by � �. this Security Instrument.