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<br /> T,UG�T�-l�R WiTH all d�e improvements now or hereafter erex.^tat on tt►e prcrpextY.a.nd ull easei��ents,uppurcena�x'es,ar+cl
<br /> fixwres now or hereaEter a part af the pmperty. A11 replacmnrnts 8fll� Ii�Llltt011! 5p1XII ulw be cove,rod by thic Saurily
<br /> _ -- --= - ��istra����:t.Ai{uf.ij::fui.:going i:;►ato��:,tl to 9i�ihis�:_curity InsttU[tt°�t ns tltr"I�roperty."
<br /> BORROWER CQVENANTS that Sarrower is laa�fully�eisal of the estate hsnby con��eyat and hrs t?�e right to grant and
<br /> convey thc 1'roExrty and that thc Propeny�s ur�ncumber�,exccpt fax encumbrances af record. Honower warrants and wi11
<br /> —� defeexl�enerally th�title to che propeny against all claims nnd den�rKis,subject to any encumbranees of r�cord.
<br /> TH[S SECURITY IN5'fRUMENT combines unifbrm covenants for natiotwl use a�x1 non-uniform covenantn with lim�ted
<br /> variationb by jurisd►ction to can5titute a uniform security instmnxnt covering real property.
<br /> - --- ° UN��OI:M COVERIANTS.Borro��et and Lender covenant and agre,e ns fol�aws: __
<br /> 1� Paymcnt r�f 1'rinctpal and interest; Frepvyment and I.ate Chargac. Rorrower shull promptly pay when duc xha
<br /> principal of and interest on tlie debt evidenced by the Note and any prepayment�nd late charges due under the N.ote.
<br /> — 2.Funtis for'Coxes and Insurance.Su6ject ta applica6le luw or to a written wniver by Lender, Borrower shall pay to
<br /> Lcndcr on the dny month(y pay�nients are duc undcr the Note,mitil tho Nate is paid in full,a sum("Punds")for:(a)yeaKly taxes
<br /> and assessmcnts which may attain priority over this Sccurity Instrument as a lien on th��'roperey:(b)Yca�•ly lcase.hold paytnents
<br /> or ground rents�n the Prapeny,if any;(c)yearly haz��rd or property insurancc premiums;(d)yearly flood insurancc premiums,
<br /> if any;(e)yearly mortgage insurnnce premiums, if any;lnd(fl any sui�is payabie by t;arroxer to Lender. in acconl�u�P w�th
<br /> the provision�oi Nu�ugcaph S, in lieu of the payrtne�i of ma.�tgage insuranec pre�niums.These et�.ms nre called"Bscrow Items."
<br /> _ _ _,___._= yd--� Irncier rr��y, n�nny time, cullect ac:� hold Func�s in c�n amount not to exceed the maximum amount a Ien�ier for a fode►�lly
<br /> ...�..•..a...,..,..-.���...,„....... ..,..�.:,w fi.r w,n�...,,.r•��crmw �ccnum under the fcderal Resl �stute SCtllemCnt ProcEdures Act of
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<br /> _ 1974 As amendcd from time to time, 12 U,S.cC. Section 2601 et seq. ("RESPA"), unless ssnother law tht►t applies tu the Funds
<br /> � sets a lesser amount.If so, I.ender may, at any time, wllect and hold Func�s in an amount not to exceed the lesser an�ount.
<br /> - ___ L,euder may estimatc ihe umount of Funds due on the basis of cunent data and rra�sonable estimates of expenditures of future •
<br /> ,�____�__ = Escr,aw Items or othenvise in accordnnce with applicable law,
<br />--�• •----- The Funds shall be I�eld in an institution whose deposits are insured by a fecleral agency, instrumcntality, or�entity
<br /> ___--_ = (including Lender. if Lender is such nn institution)or in any Federal Home Loan Hank.Lender shall apply the Funds to puy the
<br /> —�� Lscruw Items,l.cnder may nat charge Bonower for holding nnd applying the Punds. unnually analyzing the escrow account.or
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<br /> ven3ying the Escrow Items,untess Lend�r payv Borr�we�intc;c;i���ih�P;��ds ar••!app!'scsb!�!s`•`•'�^-�i''!'.2tc i��irlrr tn malce SuCll
<br /> �'��'.'�, a churge. Ho�vc�•cr, Lcndcr may reyuirc Borrower to pay a�nc-time chargc for an independent rcal estate tax re}�ort�ng scrvicc
<br />-=:'�'=�' �,-• used by Gendcr in connection with this loan, unlcss npplfcablc law provides otherwise. Unless an agrcemrnt �is mude or
<br /> "':'�'jf���' applicable law rec�uires intcrest to bc paid,Le.nder shall not he required ta pny Bonower any interest or earnings oii the Funds.
<br />-==_``'� Bonower and Lender may agrei:in writing, howcver. th�t interest shalt be paid on the Funds. Lender shall give to B�arrowcr, _
<br /> �-='`''����'� without char�e,an annual accounting of the Funds, showing crectits und debits to the Funds and the purpose for which each
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