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<br /> - TOC3E1'HER WI'i't� .di tl�e improvemcnta nnw on c�rcaftcr er�tted on tlte praperty.and s�lll easeinents,nppiuteartinces,
<br /> tutat ilxhues aow or hereaf►�r a part of the property. All replacements s�nd additlons shall niso be covered by thls S�curlty
<br /> Inshumen� All of�l►e fo:egoing�a nfcaed eo in this Security Instn�ment a9 the"Propeity."
<br /> BORROWER COVENAN'f5 that Bormwer is InwtLlly selRed of t�o estate hereby conveycA and hns the dght to gant
<br /> and convey Use Pcoperty and that the Propeny le unencumbered.except for encumbrancos of record. Horrower wurrnnu and
<br /> wjli defend genernUy the tttle to the Propeny againet u1!clnima c�nd demands�subject to any oncumbrances of record.
<br /> TEli� SL�CUi31'�Y WS'i'RUMENT combine.g unlfarm covtrinnts for �nuNonnl use n►Kt n�n-uniform covennnts with
<br /> limlud varladona by judsdlction to consdtuto n uniform secut�ty instrument rovedng ceal ptoperty.
<br /> UMFORM COVBNANTS. Aurruwer unJ Lr.ndcr cavenant und agree as followa:
<br /> I. �yment ot Prtncipl and Interest;PR+epaym�nt�ed Lnte CE�argea Bormwer shall promptly pay when due the
<br /> prtr►ci �I of and intemst on ttw debt evidenced by the Nate and any prepayment nnd It►te chsugea due under the Note.
<br /> � E�Lnds for'ihxxes ond Insuennca Subjcct to applicnble law or tu a written weiver by[,ender.Bomower shnU pny w
<br /> Lender on the duy monthly puymenus aro due under the Note.unul the Note is paid ln fuq,a sum("Funds")for.(a) yearly
<br /> texca und sssesaments which�ay att�is prIurity ovcr this Security Instrument as u lien an the Pmpecty:@)yearly leasehold
<br /> payment� ox ground renta on the Praperty. If any; (c) yearly haza�d or property insumnc� premlums; (d) yeady flood
<br /> �nsumuce premiums, if uny: (e) yeurly mortguge Insurunca premiuma. If uny;and (� any sums payabte by Borrower to
<br /> Lender.in accor4once with the pmvielona of pumgraph 8.in lieu of die psyment of mortgage tasurance pre�niums. Tkese
<br /> items are cnlled"Escrow Items." Lender may.ut nny dme.coflect cu►d hald Fundsg fn an amount not to exceed the maximum
<br /> amount u lender for A fedetally t�eluted mortgnge lotur muy t�equic�e for Borrower's escrow account ut�der the federal lteal
<br /> Bsuste Settlement Procedures Act of 1974 as umended from tlme w time.12 U.S.C.�2601 et seq.("RESPA").unless auother
<br /> low thnt applles to the F�ttds sets e lesscr amount. if so,I.ender may,at any time,collect and hold Fands la aa annouat not to
<br /> eaceed the leaser amount. I.ender may esdmate the amount of Fund9 duc on the basis of current data and reasonable
<br /> estImutes of expenditur�es of future Escrow Itema or otherwise in uccordance wlth appllcable law.
<br /> The Funds shull be held in nn insdtudon whose deposl�v ane insnred by a fecieral agency. instnuAentalIty,or cntity
<br /> (lnclud�ng Lender.if Lender ia such an instttution)or in siny Federal Home l.aan Benk. L.ender shaU spply the Funds w pay
<br /> the Bscrow Items. Lendsr may not char�e Borrower for holding and applying tbe Punds, ennually aaa!yzing the escrow
<br /> account,or verify[ng tke Fscrow Items. unless I.ender pays Bomawer interest on the FLnds and applicable law pem�ita
<br /> Lender to make such a charge. However.Lender muy re�uire Barrower to pay a one-tlme charge for an iadependent t+eal
<br /> estate tax�eporting service used by Lender in connectIon with th(s lourt.unless applicable law provides otherwise. Ualeas an
<br /> agrcement is made or applIcable law requires interest to be paid Lender shall not be e�quired to pay Boirower any lntei�est or
<br /> eamiags on the Funds. Barrower and Lender may a�ree ia writiag.however.that interest shall be paid on the Fuads. x.ender
<br /> shaU give to Borrower.without charge.an annusl acCOUntIng of ttte E�nds,showing credlts and debits to the Fuads and the
<br /> purposc for whicb each deblt to the FLnds was made. The FUnds am pledged ns nddidonal securley for all sums secured by
<br /> lhis Security tnsaumeaw
<br /> If the Funds held by Lender exceed the arrtouats petmiaed w be held by applicuble law. Lcnder shall account to
<br /> Barrower for the excess Fhnds in accordance with the c+equirements of applicable law. If the amount of the Funds held by
<br /> Lender at any tlrae is not sufficient to pay the Escrow Items when due.Lender may so notlfy Borrower�n writlag, aad,in
<br /> such case Bomower shall pay tn Lender the auiount necessary to make up the deficiency. Bormwer shall make up We
<br /> deficiency in no more than twelve monthly payrt�ents.at Lender's sole dissret�on.
<br /> Upon payment irt fup of all sums secured by this Security Inswmen�I.ender shall prompdy refuad W Borrower any
<br /> Funds held by L,ender. if,uader paragraph 21.Leader shall acquue or sell the Pro�erry.Lender.prior to the acquisirion or
<br /> sale of the Pmperty,shall apply eny �nds held by Lender at tl�e t�ne of acquisition or sale as a cnedit ageinst the suma
<br /> securEd by this Security Instruraen�
<br /> 3. Applicadon ot Paymenta Unless npplicable law provides otherwise,all payments m,ceived by Leader under
<br /> paragraphs 1 and 2 shaU be applied:t'ust,to eny prepayment charges due under the Note:second,to amounts payable under �
<br /> parag[aph 2;third,to iaterest due:fourth.w princlpal due:aad last,to any late charges due under the Note. "'�,
<br /> 4. Charges; Ltens. Borrower shall pay ull taxes, assessments.charges.fincs and imposidons amibutable to the .;r'
<br /> Yroperty whic6 may attain priarity over this Security InscrumenG and leasehold paymenu or ground rents,if any. Bonower
<br /> shall pay these oblisadons in the manner provided in paragraph 2,or 1f not paid in that manner.Borrower shall pay them on '
<br /> dme dic�ecdy W the persoa owed payatent. Bonuwer shaU pmmptly fumish ta I.ender sU notices of umounts to be paid under �"�
<br /> this paragraph. If Harrower makcs these payments direcdy.Bocrower shaU promptly furnish to Lender receipts ev�dencing �'�
<br /> 4�,,.;:• the payneents. •:'�
<br /> , ��,��:` Bon+ower shall promptly discharge any lien which has prioriry over il�is Security Insuument unless 23orro�ver.(a)agrees �
<br /> • 4�k' . in writIag W the payment of the obligadon secured by the lien in a manner acceptable to I.ender,@)contests in good faith the ;�,`
<br /> ' Uen by,or defends agelnst enforcement of the lien in,legal proceedings which 9n the Lender's opinion operate to preveat We _
<br /> • .� enfoncemsat of tde lien;or(c)secures from the dolder of the lien an agreement sadsfactory to Lender suhflrdlnatIng the lien
<br /> � • �,�.;� s to this Security Insirument If Lender determines that any part of the Property!s subJect to a lien which c�ray attain priority
<br /> ti;i • over thjs Security Insuument,Lender may give 8orrower a notice Identlfying the Uen. Bocrower shall satisfy the I�en a take
<br /> •���;}•- "` one or more of the actions set foith above withia 10 days of the giving af aotice. .
<br /> � •�; S. H�rd or Property It�surenc� Borrower shull keep the impmvements now existing or hereafter erected on the „
<br /> '=�.` Property insured ugAinst loss by fire,hazaMs included wlthln the term"extended coverage"and eny other hazatds,including
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<br /> "-�:s.� `:,� floods or flooding,for which Lender requires ins�rance. This insueance shaU be maiatai�►ed in the amounts and for the
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