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<br /> '['0(3ETHER W[TH all the improvements now or heratter erxted on the propeny,r�x!dl we►r�7p��[e��and
<br /> fixtum now or hercafter R p�t of the P�ope�tY. All �lao�►�ur �nd additbn► slwil �Iw be wverod�by thl� Socurily
<br /> - - _--- tn�trument.Aff of[ho iorcgoin�ie r�icun3 to ia this.",ccti:rity ln:trum:.�t�:tf�cc"i'rcti�;.rty."
<br /> HORROWER COVENANI'S that eorrower i►lawfully selcod��f the est�te hercby conveyeJ w�d tw,��he riYht to�rant wnd
<br /> — convcy tbe Property rnd thrt thc Pn►peny is uoencumberai, except for cncumbrance►of ra�unf. Borrowe�wur+u�t►�p�i wUli
<br /> =--'—"""'—, dofend�enendly thc titic tii the Property++gainu all claims and dc��uux�s,wbject tu wiy encumt+rwxrs uf rxonl.
<br /> THIS SECURiTY INSTRUMEN7'comt►inex uniform cavenuntr fur natiunul uso w�l non•uniti►rni wveiwuttc with litnikd
<br /> ''� —___— vui�ttnns hy ju�i�dini��n to conuit�ue u uniform r.a�urity instrument cnvering real pniperty.
<br /> ��- � UNIFORM COVENANTS.Bortower and I.ender covenant arxf agrce as fiillaws:
<br /> , 1. Pnyment of Principvl �nd Intet+a�ti Pnp�Ymeat anci I.wte ClwrRw. B��rrower shaU promptly pxy whcn duo ttip
<br /> - principal uf and interest on the debt evidenced by the Nute und any prepaynknt und late churg�y duc under thc Noto,
<br /> �.A.� 2.Funde�fo�Taxes�nd Insurance. Subject to appliruble law or to u writtan ws►iver by l.cixkr, &im�a•rr�twll pYy tc►
<br /> Lcndcr an the day manthly payments arc duc undcr thc Notc,until the Nac is p�id in full,a sum("Funds")for:tu)ya�ly cazes
<br /> ar►cl a�ces.ements which may utt�in priarity aver this Sucu�ity Instrument as a lien an the Property:lb1 yr,�rly le:+sehc�ld puyments
<br /> or ground rcn�s on the Prapeny.if any:(c)yearly hu�ard or prnperty insuronre prcmiums;(d)yarty flcxxl iawruixr p�+emiums.
<br /> ��;� if any;(e)yearly nwrtgoge insur+nee premiums, if uny: :uKi t4 any sums puyable by &irr�a�er to Le�xier, in uccn►dance with
<br /> the provisiuns of paragraph 8, in lieu of thc paymcnt of mortgage insurancc prom{ums.Thc.sc iten�s�re callod "Ec;crow Itenns.'
<br /> I.ender muy. at any time, collect and hold Funds in an amount not to exce�J the m•rximum amcwnt u Icnder for a faderally
<br /> ��� nleted mortgage loan niay require for Bormwer's escrow acccwnt unde�the fcderal Real E�tato Setdemr.nt Pra��txfures Act of
<br /> _.*8 1974 a5 amendcd from time to time, 12 U.S.C. Section 2601�t sry. ("RESPA"),unless ur�ther law that applies to thc Funds
<br /> • '�;�.�, r�ts a lescer omount. If w. Lcndrr mxy, at uny tink,collect and h��ld Fundc in an amaunt not tu excoad thc lesser amaunt. _
<br /> - ,.`;�i�� �i_,.ru..0 Lcnder may estimate the anwunt of Funds due on the basis of current data smd reuanubla estimutcs of cxpenJiturM of futura
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<br /> • . s,. •t;,.v.';,,;.,._: �_ Escrow Items or otherwise in accordan��:with applirabl�law.
<br /> :.:::�„-'-���•-.; The Funds shall 6c held in an institutian whose dcposits are insuruJ by a fixlcral agency. instn�mentaliry. or cntity
<br /> - •• ���•�,���'��''y'.� (including l.ender,if Lender is such an institution)or in any Falcral Homc L.oun Bank.I.esxler shull upply thc Fundb to pay the
<br /> � ��'�;:;;:;;;'"�• Escrow Items. L.ender may nat charge Borrower far halding und applying the Funds.a�muaUy analyxing the e,crow uatixtnt,o�
<br /> �`�'Y`c;'��;7��.;°�y'i;'�>'"-t verifying the Eccrow items,unless Lender payx&�rrower intercst on the Funcis;�xi appli��le!aw permits Letuler to ms�;c st�h
<br /> .=';'?�:r�u'�.r' """"`'::r a char e. However.I.ender may require&>rrower t��pay a one•time rharge fur�n independent re:il estute tax reponing service
<br />. �.,;5. -�;•.• 8
<br /> :,,;�t,;�;;,,, >;,_, , used by Lender in connection with this 1oan, unless applicablc luw providr�s otherwi5e. Unlecs un agroement is ma�de or
<br /> �"':�'' •` ' appli�able law requires interest to be paid,I.endcr shall not bc requi�ed to pay Bonowcc any intcrest or carning�nn the Funds.
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<br /> � •:• ; � Borrawer aixl l.ender may agree in writing, however, thut interest shall be paid un the Funds. Lender shall givc to Borcower,
<br /> - '�� = uithoai rhsrgz, as�annual accn��ntinp�f�he Funds. chowing creciits and de�its to the Fund,and the pumn+c for whici�exh
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<br /> debit to the Funds wus rtiede.The Funds are pleclged as additional �ecurity fiir a?t sumx secured by this Security Insttument.
<br /> . If the Funds held by l.cndcr cxceed thc am�xints perm�tted to bc helJ b�•sppfir.iblc law•, l.cndcr shall�:count to Bnrrower
<br /> • for the excess Funds In accordunce witli the requirements of applicable�•rw. !f the am��unt ot the Funds he{.j by I.e�xler at uny
<br /> " time is not sufficient to pay the E�c�aw ltems when due. Lcndcr ttwy w notify$arruw�r in writing,and,in such case Borrower
<br /> ,. . ' • shall puy to LenJer the;unount necessury�to make up the deiirir:iry. Borrow�r sha:l mul;e up the deticiency in no mmn.tFwn
<br /> � � � twelve monthly payments,ut Lcnder's solc discmtion.
<br /> U�n paynicnt in full uf aU �um� secured by this Scruriry [mtrunknt. Lcndrr shaq promptiy rcfunci to Bora�a•cr any
<br /> - �� Funds hcld by l.ender. If,under paragraph'_'1. i.rndcr�hall ucyuire or�cll the Pmperty.Le»dcr,prior to thc uryui�icinn ur tiule
<br /> :i�;, �. . �.- of the Property,rhull upply any Funds held by IAndrr ut thr time�f acyuisition iir wle a�a credit ugainst the sums xtivred by
<br /> "'0i. ' = ' this Sccurity Instrument.
<br /> �• ,�;;;,�„w. , . • 3.Applicatio�oY Ps►yments.Unlcti�applirablc l.�w provides i�thcrwitic,ull payment�recci�•ai b�• l.eixler uneler paru�.raphs
<br /> '�'"`•"��` • 1 and 2 shull be applied: ficst, to uny prepayment chargcs due under thc Nate: .cxond,ta amount�payablc uncler pxragraph 2;
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<br /> ' � third,to intcrest due:fourth,to principal duc:and la+s,tu any latr rhurges due under thc Nc�te.
<br /> . ', " ` 4.Ctw�es: I.ienc. Borrower shaU pay all tuxc.r,a.+ex�nxnt.. rhargeti, tinc.arxl im�xnitiom uttrihutable tu th�Property
<br /> ' ' ` whi¢h may attain priority ovcr thi� Security Instrumrat, and Iratichuld paynxnh or griiund rent�, it'any. Borniwcr.lull pay
<br /> ' ' ' 1' `�"',��' thcse obligations in the manner providcd in puragraph 2, ur if n��t paid in thst numk�r. Barmw�er�hall p•ry tlkin�m timc dir��tly
<br /> - to the peruin awed paymen[. &�rruwer�hall promptly furni�h to L.rnder•rll no�icr.uf anx�unt�to I+e paid uncicr this parugruph.
<br /> . 'Y„�„• • If Borrowcr mukc+thesc paymcnt+directly.Borrow.r�hall prumptly furnitih to I.cnJcr rcrcipt�cvidei�:ing tik�ymcntti.
<br /> -�� _ti �`� ' -- Borrowcr shall promptly di,rhargc any lirn whirh ha,prior+ty��vcr this Sccurit} In.trunxnt unle�v Born�wwr: (al agrcca in
<br /> �' �° writin to the a ment of the uhli ,�tian secureel by thc lien in a manner acceptabtr tu LcnJcr;(h►cont�sts in gc�i fuith the lien
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<br /> •� ' by. or defends against enforcemem of the lien in, Icgal pr�x�edings whicli in the Lendcr'+ api�iicm np�rate to prevcnt the
<br />°�}}} ' enfomement of the lien:ar(cl tiecurcti from thc holder uf thc lien un agreement uiti>fiirtary tu l.�t�.r sutwirdinating the lien to
<br /> � � •,.,aµ N ti this.^�ecurity Instrument. If I,enJrr dctrrminr+thut any part M�thc Propertr i.wnjrrt to a li�n��hkh ma� attain prinrity ovcr
<br /> � ` �• • this Security Instrument, I.endcr mu��givr&rrrciw•cr u notice idrn�if��ing the licn. Bi�rrower shall sutixfy the lirn or tukc one or
<br /> - ,„;;;,,�:;'�.`-�•:.. more of the actionc set forth abovc w•ithin IO duyti uf the giving af►xuice.
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