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<br /> 'I'OC�THLt2 V!I i H nl� tho impruve►aenGa a�a�v ar her��fteR ceecte�l on ttie propcety, end nU e�ement9, nppurecnnnees,unrd
<br /> fixwres nuw or he�Fnftcr a part�f�ho pr�pcny.All rcnlacemcnts and iuidiUans eh�ll�lso I�covcrcd by U►!s 5ecurity lns�r�tn�r.nt.
<br /> ; ,,. ;. _� All of tho fo�tgoing i9 rctecccd W in thi�Scxutlty InstrEemc�a a91ha"Yropert�r.
<br /> Is uner►cumbered, Gacept for encumbrances of reco�d. Dorcower warranta snd wflt
<br /> HOAROWBR COVANANTS that Bonower i�l�wtnUy scisod of Utc Gstato hcrcby conveycd and hag thc dght to gc.ant nnd
<br />�.';�f���� �� cc►nvey �ho Praperty and that Ihe FrW�criy
<br /> �.�.. dcfcnd gcncrally�ho dtlo to tho Praperty egainst all clsirn�and domands,aub}xt w uny cncumbranccs of rccord. �' �'-
<br />.,",";,:;. THIS SE(:Uttl'l'lf IiVS i-RUA9�W l cuuiBines un:fonn cavcna�ta for nntional u�� and non-nniform coventu�ta witli limittd
<br /> �'�{ ''' ���� variatiuns by jurisdisdon to consUtute a unifarm security inswmcnt covcr[ng real propcny. „
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<br /> � ,.�. ,;�'� LJNIFORM COVENAN7'S.Borcowar ond L.ender covenant and agrco as follows: �•
<br /> --�;,a�:ti.,..- Borrowcr shalt prompUy pay whcn due thc . .
<br /> _°�.-��( 1.QAyment ot PrinclpAl and Interest;PrepAymenf and LAte Charges. ��._.:.
<br /> prInclpal of and intcrest on thc debt evtdcnccd by tho Noto anA any prcpayment und intc chargcs dac undcr thc Notc.
<br /> --"`°""�• 2.Funds for Toxea aad InsurAnce. SubJcct to applicabla law ar to a wducn wafvcr by Lcnder, Barrowec shall puy v� ,
<br /> r� I.�nder on the day monthly paymencs are due under the N'otc,undl the Not�is paid In full,a si�m("Funds")for:(a�yearlY taxc.9 ' ''
<br /> ` " � .� and ossessmcnts which may attain pdodty over this Security Instrument as a lien on 1hc Property;(b)ycarly leanchold puymcnts "•'�_
<br /> ` or gmund rencs on the Property,if enyt(c)yearly huzacdor propecry insurance premiums;(d)yearly flood ineur.ance premiums,if �;.-'
<br /> �':i�;h,•.:, . � eny;(c)ycariy mortgAgo insurance premiums,if a�y:and (�any sums payable by Borrower to Lender,in accor�unr.c with the �_-_ -
<br /> ���;fi;-.�, ,, provisions of parAg�nph 8. in lieu of the paymcnt of mongage u�surance premiums.These itame are cc�Uc�U "Escrow Items." ___
<br /> _,�.rv�' .$+ •
<br /> _,.p.:;i� Lender may,at any dme,collect and hald Funds in an amount not to exceed the maxlmum nmount a Icnder far a federaAy relatcd
<br /> - mortgage loan may require for Bonower's escrow ac.caunt under tha federal RealBstato Settlument Procedun:s Aet of 1974 as
<br />}' amended&om dme to time.12 U.S.C.Sccdan 2601 et rcq. ("RESYA"),unless another law Qmt appHes to tha Punds scta a lesser �_-
<br /> �.}�;:'•`<<�'� amoun� IP so. Lender may,at any time. collect and hold Fuads in aa amount not to exceed tha lesscr amoun� Lender may �-
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<br /> esdmata the aniount of Funds due on the basls of curaent data and reasonable estimates of eagendlWres oF fuutre Fsscrow Items or �:,,..
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<br />-_::`rt::.,:,,,:�•.;: otherwi,.�a in eccordance with appllc,�tble"law. _
<br /> The Funds shall tie held in pn institutio�whase depoaits are insnred by a federal agency,instrumenwllty,or entity(tncluding �„
<br /> `.'".%;:.�,``-� � I.ender,if Lender ia such an institution)or in any Fcdcaal Hume Loan Benk.I.ender ahnll apply the�►n�is to pay the Bscrow __...
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<br />_';,�;:•j,;;,;:4�, Ieems.L.enBer may noe charge Borrawer for holding and applying the F1�nds,annwilly analyzir►B the escrow accounG or verifying
<br /> ' • the Bscrow Items,unle.ss I.cnder pays Banower Interest on the Funds and applicable law permite Lendar w mul�e such a charge. _
<br /> �'`�• �`'�' Howevcr,Le�ndcr may require Borrower to pay a onatime Gharge for an Independent real estnta tax rcgarttng secvice used by
<br />°° � F Lender�n connection with this loan,unless app8cable law provides otherwise.Unles3 en agrcemant in made or appllcable law
<br />�`",,'.';�"�; � «quirGy interest to be paid,Lcnder shall not be requiccd oo pay Borrower any interest or eamin�a on the Funda.Banower and
<br /> -�:"=:::;� Lender may agroe in writIng,howcvu�that interest snaii be paid on inc Fue�us.Le+��ee si�a!!giva tc�r.r.ru��r�•��ltftss�i cluor.�nn
<br /> """''`" annual accounting of the Funds.showing credits and debits to the Fundc and the purposo for whicfl eacit debit to Ute Funds was
<br /> -�i�`z�� made.Tha Funds ace pledged as addidonal securlty for Al sums sccured by this Socuriry InatrumunA
<br /> --��'"��=�' If tho Fundg hcid by Lendar oxcecd tho amc�unts pe►mittcd to bo held by appllcable law,Lcndur shull sccount tA Borrower for _
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<br /> - r tha exccsy Funds in accordance wlth tho rcqutrcments oF applicable law.If tho amount of tha Funda hald by Lendcr at any time is
<br />--- - not suf�cient 6o pay the Escrow Items when due,Lenda may so notify Borrowu in wdting.and,in such case I3omower shuU pay
<br />—_ _--- ��a �he uno�n� ac�ry eo mako up tho deiktency. Borrower shaU maka up tha d�ffctoncy in no more than twclve
<br /> _,�,Y,�,�� monthly payments.et Lendcr's sole dlscretlon.
<br /> _.__ _ Upon paymeet in full of ell sums secured by this 5oceuiry Inswmeat,Lcnder shnll prc:mutly c�ei�nd tm Borrowcr any Funds
<br /> ----- he:d by Lendu.If,under pamgreph 21.Lender shall ecqulce or sell the Property,Lendar,przar td tlta acQuisidon or sale of the �
<br /> _._-°=°'� Propezry.shall apply any Funds held by I.ender at the tune of acquisit�on or sale as a credit agrtinet tiia suma szcured by this
<br /> Security Instr+imenE.
<br /> w 3.Applicxtbn ot PQymenta. Unless applicuble law provfdes othecwise,ell paymanta r�eceived by Lendcr under pazagraphs
<br /> 1 and 2 shsd!bt appUed: ficst,w anY PrePaYment chazges due undcr the Note; second:tcD amounto payable under paragrnph 2;
<br /> � third.to interest due•.fuurth,w princlpal due;and las t,to any lata charge,9 due under thc Npt�.
<br /> 4.Chwr�a;Lkns. Borrower shall pay all taxcs,essessments,charges, �nos and imposidono atuibutablc to th�Praperty
<br /> which ma9&t�p�odry over this�ecurity Instrumenti and Ieasehold payments or ground�r¢nis,if a�iy.Bocrower shall pAy those -
<br /> v �� obligat+ona In the manner providal in paragraph 2,or if not paicl in that mr�ner.Borra�v+.�'shr�ll pay them on time d3recdy w 1he
<br /> person r�wcd paymen�IIorrower shn11 pmmptly furnish w Lender all notices of nmatuua to be paid undcr dii� paragr•nph. If
<br /> �-�--- Borrowu ma{ces these pAymcnts dlrecdy.Boaowcr sb�l pmmpdy fumish to Lender rcceipt�ovtdcitcing dia payments.
<br /> - Borrower shail promptly discharge any lien which has priority over this Security Inciaumant unluss Bamower: (a)agrees in
<br /> _- - writing to the payment of the obligarion secured by tha lien in e manner acceptable ta Y.,�ndtn;(b)cantestB in good fatth the lien
<br /> ���� by. or dcfcnds against cnforcement of the lien in.legal proccedings which in the Lendar's apinian operatc to prevent the
<br /> __��.���-�:�. enforcement of the lien;or(c� secures from tha holda of tho lIen on agre�ment satl�facwry tm Lender subordlnnting the lien tn
<br /> - -�—�� this Suciuiry InstrumenG If Lcnder detemiines that any part of tha Property is subject w•a Iinn whlch may attain prioricy ovu this
<br /> -- =n=� Securlty Instrumca�t,Lcnder may give Bo�rowcr a nonc� identifying the lien.Borrawcr shtill snticfy tlia llen or takc one or more
<br /> --',���:��• of ttxc acdons stst forth abave wilhin 10 days cf t�o giving of nouce.
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