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<br /> 'i'(K:F.1'FiFR W�TH ali ti►�ii��►����eiiwtks r►ow ar h;.r:.�ft.r cr�t��n the pmperty. ami al! e��enxntc,A�punena»ces,�nd _
<br /> fixtuns ru�w or htrraRrr d �+s+n of the property. All raplarements rux! �1Jit9ons shall ala� be cover�l by this Security ,�
<br /> fiulrunxnt. All of the foregoing is r:fr�r�til tu in this Security Inatntm�nt ac thc"F'ropert��.`
<br /> �RROWER COVENANI'S ttwt 13o�row•er is lawfully seised of the eitate hereby conveyai end ha.�the right to gra�u:uid _.
<br /> �oo��ey th: Prop�:rty and ttwe the Property ix unencumhereci, except for encumt�r•rncer of record. Borrc�wer war�ants and w�ll =
<br /> defer�l Feneraliy the title ta tix Prvpeity against all clairsu aixl d:.mvu9s. :ubject t�nny encumbrances of rerord. _
<br /> THI� SECURITY W5TRUM�NT combines uniform ��venants foc national use and non-unifarm cn�•enants with limited
<br /> v;u►utions by juricdicti�n to a�nzii�ui�a u�ufuu�ti�c:.��ity irstrum:.nt cav::ing r;al p:��:er:y. _
<br /> UN1FaRM COVEN!�NTS.Borrawer and Lender coeenznt and�grec us follaws: —
<br /> l. Payu�eui of Priacips�l and laterest; Prepaymeai stnd Lutc Chac�es. Borrower slu►11 prumptly pay when duc thc --
<br /> principal oY a.�:l interest on the debt evideneed by the Note and any preQayn�ent a�xi late charges duc under the Note. �
<br /> 2.Funds for T�es aud Iawrswce. 5ubject to applicable lAw ar to a writt�n waiver by Lencier, Borrow•er shall pay to
<br /> Lc�xicr on thc day nwnthly payntents are due under the Note,until the Note is paid in full,a sum('Funds")for:l�?yearly taxes
<br /> and asse�.cn�ents which may oitain priority ovcr this Security Instrument as a lien on the Property;(b)yearly leasehuld payments
<br /> ar grou�xi rents on thc Propeny,if any;(c)yculy hazard or property insurance premiums; (dl yearly flaxi insura�ue prerniums,
<br /> if any; (el yc:uly mortgage insurancc prcnuums, if any;and(�anv surnt payable by Borrower to Lcnd�r,in accordance with
<br /> thc provisions of paragraph 8, in lieu of the payment of nwrtgage insurance premiums. These items are calle.d 'E.kn�w items." _
<br /> Lenci�r may, ut any time, mllect and hold Funds in an ainount not to exceed the maximum anwunt a len.�er fiu a federally
<br /> relaeed mongage Ican may require for Bcrrow•er's escrow account u�der the federal Real Estate Settlement Proce�ures Act of _
<br /> 1974 as amended from time to timc. 12 U.S.C. Section 2601 et seq. ("RESPA"),unlezs another law thal applies to the Funds
<br /> sets a Iesser amount. if so. Lender may, at any time, collect aixi hold Funds in an amount not to exce�d the lesser amount.
<br /> � Lender may estimate d�e amount of Funds due on the bacis of wmnt data and raaconable estimues of espenditw�es of futu.*e
<br /> Escrow Itenu or otherw ise in ucmrdaiue with applicabie law.
<br /> The Funds shaU b.: held in :u� institution whose deposits am i�uured by a fcderal ugency, insuvmetitality, or entity
<br /> (ineiuding Lender.i�'I.encier i�auci�:ui i�uiiiuiiun}o�����,y r-�.;:.:al::amw[aan Bas�. i.�.^.�±er sh�l1 =Ppl;th?Funcjc t�ray the .
<br /> Escrow Itenu. Letlder may not charge Borrower for holding and a�+l�•ing the Funds,annually analyzing ttie escrow acrnunt, or
<br /> verifying the Fscrow Itenu,unless Lender pays Borrowtr interest on the Fun3s and applicable law pecmits I.ender to maice such
<br /> a charge. However, Lender may require Borrower to pay a one-time charge for an independent real estaie tax reporting service
<br /> � tued by L.ender in connection with this loan, unless applicable law provides otherwise. Unless u� agreement is made or
<br /> app{icah!�faw requires interest to be paid,Lender shall not be required to pay Borrower any interest or eamings on the Funds.
<br /> Barrou•er and I.erKler tnay agree in writing, however, that interest si�all be paid on the Funds. I.et�der shall give to Bonow•er.
<br /> without charge, an annual accounting of the Funds, showing credits and dei»ts to the Funds and the purp�ce for which e:u:i� -
<br /> debit W the Funds was made. The Funds are ptedged as additional security fvs all sunu securod hy this Security Iasirumer►t.
<br /> . If the Funds held by Lender ex:ced the amaunts permitted to be held by applicable law,Lender shall xcount to Bc�aawer
<br /> for the excess Funds in acrnrdance w•ith the requirements of applicable law. Yf the umount of the Funds heid by Lender at any
<br /> ' time is rt�t sufficient to pay the F.scrow Items w�hen due.Lender n�ay so notify Borrower in writing, and, in such cace Borrower
<br /> shall pay to i.ender the amount na�essary to make up the deticier►cy. Bonouer shall malce up the deficiency in no more thaa
<br /> twdve moiuhly payments.at Lender's sote discretion.
<br /> jT�xui paYment in full of�all sunu secured by this JeCUrity ItLCtNmem, Len�er si�aii prampt�y reiuna io iwiwwcr auy
<br /> Fw�ds held by Lender.If,under paragraph 21,Lender shall acquire or sell tho Property.I.ender,prior to the acquisidon ot sale
<br /> of the Property, s}�all apply any Fw�ds held by L.ender ai the ticne of acquisition or sale as a credit against tf�wms securod by
<br /> this Security Instrument.
<br /> ' 3.Applicatioo of Payments.Unless applicable law provides otherwise,all paymer►ts reoeived by L.ender under paragraphs'
<br /> • 1 and 2 shall be applial: first, to any prepayment chargey due under the Note: seWnd, to amoutus p�yshk und�r para�raph 2:
<br /> third.w interest due:fourth,to principa!du�;and lact,to any lau charges due under the Note.
<br /> 4.Char�es; Lieas. Borrower shall pay all taxes, acse.�.smcnts, charges, fines and imposit;ons attriButable to the Property
<br /> ,' which may attain priority over this Security Instrument, and leasehold payrnents or ground re�us, if any.Borrower sl�all pay
<br /> . these obligations in the manner ptovidad in paragraph 2,or if noi paid in tl�at ma.�u�er,Borrower shal!pay them on time ditactly
<br /> to the person owod payroent. Borrower st�all promptly fumish to Lender all notices of atnounts to be paid undu this paragraph.
<br /> if$orrower makes these paymenis diroctly,Bonower shall prompdy furni�h to Lender receipts evidencing the paymenu.
<br /> Bortower st�all promptly dischatge any lien which has priority over this Security Instrument unless Borcower: (a)agnxs in
<br /> " writing to the payment of the obligation secured by the lien in a manner acceptable to Lender;(b)contests in good faith the lien
<br /> by, or defends against enforcement of the lien in, legal proceedings which in the Ixaxier's opinion operate to prevent the
<br /> enfarcxment of the litn:or(c)secura from thc holder of the lien an agratnent satisfactory to Lendu subordinating the licn w
<br /> this Security Instrument. If Lender determines that any part of the Property is subject to a lien which n�y attain priority over
<br /> • this Securiry IInurument, Ixnder ma}gice Borcow�er a notice idcntifying the lien.Borrower shall satisfy th� lien or take one or
<br /> a�ore of ti�actions set forth above within 10 days of the giving af notice.
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