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<br /> --_--- — �3nktElOVVF,R CQV�NAN'�'S that 13arrawcr is latvful@}�sef�;e;i ofi titc cstatc lic►'cUy conveycc�nnd 1;ir•IIEC ril�ht ta g�a��t tiul
<br /> --.��� convcy dic Pr��perty ai�d �hat the 1'rvp�i�ty is unestctuitbcrecl, except fiir c�lcumt�rauces of rum•d. Bnrruwcr warr;niti xnd w•i�l
<br /> defend ge�xraily the dtl�ro the d'roperty r�gainst ull ciaims and de�.ru�nds,subJc�t cn a�y encnmbraace,oP e�cord. _
<br /> -�-+���f� 'I1IiS SI?CURCfY IN�aTRUM�NT comNirics unifarm covc:nan2s f��r natinna{usc mid ntm-unifi�rm covcnants wilh firtiiteYt
<br /> variatious by jurisdiction to a:onstiuitc n uniform sccurity instrumcnt cuvcring ruii��upc�iy. '
<br /> —.— UIVIIFORM C�VBNANTS. p�rrower and L�ender covenlnt und agree as follows;
<br /> - !. Payment c�t{'rinclpal and I��terest; Prcpuymcnt snd Luto Ci�erges. Borrawcr�shnll pramptly p�y when duc the
<br /> principnl of cu�d interest on the debt�vldenced by the Note and uny peepayment nnd Inte charge�duc uixier tli�Nota
<br /> 2. Funds[or Taxev and Insurener. Subjcct to �ipplicable Inw or to u written�vuiver by l.ender, [)a�nnwer sliall pay to
<br /> � l.ender an the day manthly payments nrc duc undcr tho Nate,until thc Note is paid in full,n sum("�unds")for:(a)yeady tuaea
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<br /> �_ nnd nssessments which mny attai��prioeity ovcr this 5ecurity instrument us u 1 icn un tlie Properiy;(b)ycarly Icascho F�ym^�i�s =____
<br /> or ground rents on the Property. if nny; (c)yearly hnTard c,r propeny insuranee preminms;(d)yearly floczd insuranee premiums,
<br /> if any; (c)yearly mortsage insunnce premiums. if any;and(�nny sun�s paynble by Barrower to Lcnder, in nccordance��ith _
<br /> the provisions of pam,gmph 8,in lieu of the payment of mortgage insurnnce preniums. Thes�etems are called"Escrow Items." v_
<br /> - Lender may, nt any tirr�c,collest and hcld Funds in an amount not to excecA the nu�ximum umount a lendcr for a federally
<br /> relnted mortgagc loan may require for Hor�ower's escrow account under the federal Real Estate Settlement Pra:edures Act of
<br /> --___ __— 1974 ns amended from time to time. 12 U.S.C. Section 2601 et seq. ("RESPA"), unless another!aw that applics to the Funds
<br /> __—.__— sets a Icsser amount. lf so. Lender may,at any time, collect and hold Funds in an amour,t iiot to exceed the lesscr 1n�ount. '
<br /> —� Lc:nder may estimate ehe nmount of Funds due on the basis of cucrent data and rea5onable cstimates of expenditures of fuwn
<br />��-:;;,c;�:�����6� Escrotiv Items or othenvise in accord;u�ce with applicablc law.
<br /> � The Funds shall be hcld in an institution whose deposits �re insured by a federal agency, instruincntality, or entity
<br /> _''•"°'""'�''� (includi��Lender, if Lender is such an institution)or in any Feiieral Homc Loan Bank. Lender shnll appty the�unds to pay the
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<br /> -�-- Escrow Items. I.ender may not charge Horrower for holding nnd npplying the Funds,tu►nually analyzing the escrow account,or
<br /> --�"`'�'''�°��� verifying the Escrow Items. unless Lender pays Borcower interest on the Funds and npplicable law permits I.ender to make sueh _
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<br />--, LtYIU41C��� a charge.However, Lender may rcquic�e Borrower to pay a one-tima charge for 1n independent mal estate tax reponing servicc
<br />_ r r;�.��-��;� used by Lcnder in connection with this loan, unless applicable IAW provides atherwise. Unless an agrecment is made or
<br />-R=.�.`�ti'��;;s�'t� applicable law requires interest to be paid, I,ender shall not be r�equired to pay Rorrower uny interest or earnings on thc Funds.
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<br />:=y�s;,'r_:_..;...._. _ Bonower and i.encier may agree in writing, ho�vever,that interest shaU bc paid on thc Funds. l.ender shall givc to Borrowcr,
<br /> ��'~�"'�'`"i without charge, an annual accounting of ihe Funds, showing credits and debiGS to the Funds and the purpose ior w hich cacn
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<br />-"r.t"��=r.z,:}.••;,.�C debit to the�unds was made.The Funds are pledged as additional securiry for all sums secured by this Security Instrument.
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<br />:���.,;•, � ��:, If the Funds held by Lender exceed the nmounts permitted tu bt helcl by applicable law, Lender sh��ll account ta Borcower
<br />-i'�� ,.,-:+�; ��; for the excess Funds in accordance with the requiremcnts of applicable luw. if the amount of the Funds hcid by I.endcr at any
<br />='=��''T:: ��`°'t"``' ` time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in writing.and,in such c�LSe$orrower
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<br /> �-•";;�.����' �"':• shaU pay to Lender the amount necessary to make up the deficiency. Sorrower shall makc up the deficiency in no more than
<br />��'�"-����'��==��'�+ twelve monthly payments,at LendePs sole discretian.
<br /> - ' ""�"�•''� Upon payment in full of �11 sums secured by this Scrurity Instrument, Lender shall promptly refund to Horrower any _-
<br /> v�`�� "`'`"'""`�` Funds held by Lender. If,under puragraph 21, Lender shaU acquire or sell the Property,Lender,prior to the acquisitian or sale —
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<br />- '_, � ��" '�`'�'• of Ihe Property,shall apply uny Funds held by Lcnder at the time of ucquisition or salc as n cre,�lit against the sums secured by N_�
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<br /> �^:rt�•:u�°-r,;°--� this Security Instrument.
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<br /> --.- ..r�•�� 3.Applicatton of Pnyments. Unless applicable law provides othcnvisc.all payments rcceived by Lendcr under par�grapNs
<br />.,�:;��-�°`-^ 1 and 2 shall be applied:first, to�►ny prepayment charges due under the Nczte; second, to amounts payable under paragruph 2; s--
<br /> �°'""-""'` third,to interest due;fourth,to principal due;and last,to any latc chargcs due under the Note. ""
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<br /> `:,.:r:.:' : '•�C':�:' q. Ciiutges; Liens.Borro�ver shatll p�y ull taxes,assessments, ch�rgc�,t'incs and impnsitions attributable to the Properly -
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