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.,*:�� . _ . �" �� -..:-�.,r�:�'— .., U . , .�, - -_._...� _ _ _ __ - -.-----. ,-,- - -�:..i. . - -- A� . ........�... _.-,- _ - �1"" 1V��5'! _ - _ _ 7'OCiE1HER W[TH�lt tAe improvemente now or nereai[er crec�eu on�c�e prupa�q.mw a a�r�iiu�iw�r�,�,wiww�::.:, - and fixtures now or hereafter e patt ot the property. AU repl�cements and udditions rhall also be�ovaaf by thi�Security Inurumrnt. All nf the faregoing ii roferted tp in this 3ecudty Inswment u thc"Property." „ HORROWER C�VENANTS thet Bamwer is ipwfully eei�ed of the eatue he�eby convcyed ArW twr the rlght to grant -- - wd cpnvoy tho�rty end 11wt Ihe Piropetty 1�w�teneumbec+ed,except for encumbruncea of ceeocd. Botrower weRenls uid - - - - ------ � wlll dofend Qeneral y the dde ro the Pro�ny a$ainst dl clnima And demands,Rubject to any encum�e�of record. � TH13 SECURITY INSTRUMBNT combines unifam coveruints for nuioaal usc end non-uniform coverwnw with Nmited variwtiono by jud�diction to con:titute a uniform secudry incwment covering re�l properiy. __ . - -. o.-: , IINIFORM COVBNANTS. Borrower u�d I.ender covenant and agree as follows: 1. P�ya4ent of Prtncipd aad laterat;Prep�q�neot aad LAk Chrr�a. 8orcower shall promptly pay when due the ` princip�1 of And intciest on the debt evidenced by the Notc and eny prcpayment and late charges due under the Note. �. F�unds�ar 7lutea pnd Inaur�nca Subjxt to appNcable law or to a written walver by l.ender,Homower shotl pay ta - Lcader on thc day monthly pwymenzs ar�e due under the Note,until the Note ii paid in fuil,a aum("Funds")for.(a)yeazly taues and aeseasmenW which may attafn pdority over this Security Instcument u a Uen on the Property:(b)yeuly lea�ehold - payments or ground renta on the Property, ff any; (c) yearly hsizzard or prapeny Inaurance premiums: (d) yearly flood iasurance premiums, ii any; (e) yearly mortgage insurancc prcmiums, if any; end (�any sums payable by Horrower to Lender,tn accordance with the proviaions of paragraph 8,in lieu of thc payment of moRgage ineurance prcmiums. These items a�called"Fscrow Items." Lender may.at any timo,collect and hold Punds in an umount not to excecd the muximum amount a lender for a federally related mortgage loen may require fo�Borrowcr`a escrow account under the federal Rcal Bstau Senlement Frncedures Act of 1974 as amended from t�me to time.12 U.S.C.¢2601 et seq.("RESPA"),unless aaother � law that applies to the Wnds setx a lesser amount. If so.l.ender may,at any time.coqect and hold Funds in an amount not to exceed the lesser amount. Lender may est�mate the amnunt of Funds due on 1he basis of cument dota and reasoneble - estimates of expenditures of future Escrow Items or otherwise in accordance whh appliable law. --- Thc FunJ�ahall be held In an inatitudop whose deposits ere insurcd by a federal agency,Inatrumentality,or entlty - ':� (includ�ng Lender.if Lender is such an institudon)or in any Federal Home I.oen Bank. Lender shall apply the Funds to pay the Escrow Itema. Lender may not charge Borrower for holding and appiying the Wnds,annually analyzing the escrow ��.�-��s account, ar verifying the Escrow Items. unless l.ender paya Borrower intemst on the Funds and applicable law pertnits - -=