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<br /> TO(3ETH8R W1TH d!tbe Impnovements now or IiercaAa uectad on the property.�r�d all nreu�ent�,appunenuues.ud
<br /> - -- -- --° fixlwa now or herc�fttr a part nf the propeRy. All repl�oanaur uxl �dditions sfuii atco be wverwi ty tbiz :�cauity -
<br /> Iasuuit�ent. Alt of�ho forcgoin�i�s rcferted w in this Socurity lnstnunent�s thc"Propeny.'
<br /> BURROWBR COVBNANTS tlu�t Borrower is Itwfully�efsed of the extatc hereby conveyed�nd lu�Uw righ►to�r�nt�nd
<br /> convcy tha Prx�paKy and ih+u thc Property is unencumbered,except for encumbrances of nxord. Borrower warriuus and will
<br /> defrnd�enanlip,ttre tide to the Prnperty agal�ut�11 clum�ud denw�ds,subject to�ny encumbnmcts af rccocd.
<br /> �_�� — THI5 SECURITY INSTitUMENT combincs uniform covc�wnts for natiorwl use and non-unifwm cnvenants with lirnited
<br /> `= vuiatiorui by jurisdiction to c�nutitute a uaiform socudty inctrument covoring rryt propeKy.
<br /> UNIFORM COVENANTS.Bomower and Lender coven�nt and agroc as fallows:
<br /> l. Prytneat ot I'rincipd and Interati �pY�t �od l.rte Clw�ga. Borrower st�all pr+nmptlY paY when due the
<br /> principal of and inter�rt on the debt evidenced by the Note and�ny pr�ryment and tate cturges due under the Note.
<br /> 2. Funds tor Twces�nd It�urnace. 5ubject to applicablc law or to a writttn ws�iv�r by Lender. Borrower shall pay to
<br /> � Lcnder on the day monthly payments are duc undcr the Note.until the Note is paid in full,a sum('Funds")for:(a)ycarly tvices
<br /> �- _- � md assessments which may attain prioriry over this Security Instrument�s a lien an the Propeny:(b)Yearly leasehold payments
<br /> _-— or ground rcnts on thc Property.if any;(c)yearly harard or property insurance premiums;(d)yculy flood insurana premiums.
<br /> if any; (e)yearly mortgage insurance prcmiums,if�ny;and(� any sums payable by Borrower to l.ender, jn acrnrdance with
<br /> 1he p�nvisions of paragcaph 8,in lieu of the payment of martgage insurutice prcmiums.These items are callod"Escrow Items."
<br /> .,�., Le�xler nuy. �t a��y tinx, coticxt u��i hold Funds in an u��ouc►t not to cxcccd the mauimum amount a lender for a federoDy �_.
<br /> mlated mortgage lou� may requirc for Borrower s escrow acrount under the federal Real Eswte Setdement Procedunes Act of
<br />,,..,� 1974 as amrnded from time ro time. 12 U.S.C.Sectinn 26+01 sr seq. ('RESPA").unlcss anothcr law that applies ta the Funds _...
<br /> aets a lesser arncxmt. If so, l.ender may, at any time, collect and hold Funds in an nmount not to execed the Iesser amount.
<br /> Lcnder r�wy estimatc thc umount of Funds due on the basis of currcnt daw and rcasonable esti�t�s of cxpenditures of future
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<br /> - �' `�'. Escrow Items or otheswise in accardance with applicable law.
<br /> The Funds shall be held in an institution whose deposits are insured by a foderul agency instrumentality, ar entity
<br /> " "":•�;��' - (including I..ender,if L.ender is such an institution)or in any Federal Home Loan Bank. l.ender shall npply the FunJs to pa�•the
<br /> � Fscrow Items. Lender n�ay not charge Borrower for holdins and applying the Funds,annually unalyzing the escrow accouru,or
<br /> verifying the Escrow Items, unless I.ender pays Borrower intercst on the Funds and applir,►ble law permits Lender to rtwke wch
<br /> •4 •�� �charge. However,L.ender may rcquim Banower to pay a one-time charse for an indepxndent real eswte tax reporting service
<br /> used by Lender in connection with this loart, unlas upplic�ble law provides othenvise. Unlas an ugreement is mtide or
<br /> �pplirable law rcquircs inte�+cu tu bc p�id, I.ender sh�ll not be required to pay Bormwer�ny intcrest or eamings on the Funds.
<br /> __ � Bortower and I.etder may agroe in writing,however, ttt�t inlerc::t shull be paid on the Funds. Lender shall givc ro Borruwcr,
<br /> '�`�`"� ;;''� without churge.an annual xcountins of the Funds,showing credits and debits to the Funds und the purpose for which rach
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<br /> � • debit to the Funds was m�de.The Fund�are pledgad as addition•rl security for all sums secured by this Security Instrument.
<br /> �r,. :� � •: If the Fwxls held by l.ender excee�i the amounts pem»tteJ to be held by applic•rble law. l.ender shall account to Borrower
<br /> - � for tM excess Funds in xcordance with the requiremencc of applicable law. If the amcwnt of the Funds hald by I.etxler at any
<br /> � ' time i�not sufficicnt to pay the Exrow Items when due.Lender may so notify Borrower in writing. and.in such case Borrower
<br /> •�''�' - ' • shall pay to Lender the amount necesssry to make up the deficiency. Borrower shaU make up tho deficiency 9n no more than ��
<br /> " ' ' tweive monthly payments,at L,cndcr ti x�lc discreti��n.
<br /> ' ' ' ' Upon payment in full of all wm, ,ecured b}thi�Security Ins[Nment, l.encler shall promptly ref'und to Bonower any _
<br /> ' . ' ' ` Funds held by Lender. If,unJcr paragraph 21. Lcndcr shall acquim��r sell the Pmperty, l.ender,prior to the:kquisitio�or,ale F�
<br /> of the Property,sh•rll apply:u►y Funds hcld by Lcndcr at the timc of acquisition or wle ss u creciit sgainst the sums secured by � �
<br />- � t�+�-,';�t�f .. lhis Sccurity Iostn+mcnt. —
<br /> �wi IA Y" . _.:
<br /> •� 3.ApplicAtion of Puyments.Unle.,applicablc law pruvides otherwitic.all p•rynknts recciv�d hy L.rodrr uncler prr�graphs -.
<br /> 1 �utd 2 shall bc applicd:fint,t��any prepaymem �Iwrge+due undcr thc Notc: xcond.to umoums payable urxier p:�ragraph 3; �""`"
<br /> � third,to intcrest duc;fourth,to principal duc:and lau, to any latc ch:�rgc+duc undcr thc Notc. --��
<br /> , 4. Chwry�es; Liens. &�rrower ,hall p�y all taxc�, u�+r ssmenh. ch•rrgc�, tinrti and impu�itiom attribuwble to the Property �..
<br /> - which may attain priority avcr thi� Sccurity In�tcun�ent,and tc�khold pu�nxnt���r gr��und rent+, if any. Borrow•cr �hall pa}• ��
<br /> � Ihese obliFationc in thr manner pmvidcd in paragraph 2.or if�x�t paid in that manncr, &�rn»�•cr�h;dl pay theni iin time dircctly —
<br /> �� to the pc:rson owcd payment. &�rroveer+hall prumpdy t'umiah t�► Lcndcr all notice.��f an�iunt�to lk paid uixler this paragraph. --°
<br /> �;�,. . If Borrower make+thr�:paynx:ntti dir�Yd��.Borrow•er.hall pmmrdy 1'umi.h t�,[.e�ulrr rcrciptti rciJc�xing the pa�ments.
<br /> . ., Borrowcr shall pmmpQy Jixburgc uny lien w6ich Fwc prioriq�a�•cr thi+Sccurit} In.trumrnt unlc.+&ttrow•�r:(a)agrcc�in Rz-
<br />, " �„,�,;�� - writing to the paymem of the��bligation ktiur��l by the lien in a manncr accepiuMr tu Lrixi�r. �b►c<�ntcst�in g�xxl faith the lien '� '
<br /> ,;il_ �� by, or dcfeads aguinxt enforcen�en[ uf thc ticn in.Ickal nr�k�ti�ting.ahirh in thr L��xt�r'. �ry�iniun uExrate ti� pmvent the
<br /> :�; � ' enforcement of the lien;or(cl,�tiure�frum thr hulJer o(the lirn an agrernunt vti�tart.�n a�LcnJrr,utx�rdinating thr lien tu �
<br /> ,k�;.. �„ . this Sec:urity Instrument. If[.ender dcterminc�that am• part ��f thc f'ru�m� i..ubj�tit t.�a lien ahich may attain p�iority o�•cr –_
<br /> � this Secority Instrument.I.cnJer m•ry give&irrowcr a n�uicc iJ�ntifying the lirn. &�rro�cr.h�ll uti.(} thc licn or take one or �
<br />_ ' y���•�� more of the xtions set forth above within IU days of thc giving uf notice. �`
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