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<br /> 7'U(3ETHFR W�TH nll the improvements now on c�rcafter�rected on the�roperty, and ull ensements,ttppurtenanc�s,und 6
<br /> Pixtures now or hereaftcr n pure of the pra�,eny. AU replacements an�l addilionR shnll also be covered by this Securiay
<br /> Instrument. AU af the faregoing is refettec!to in thiti Secudty InStniment as the"Property."
<br /> BpRROW�R COV�'MANTS that Borrc�wcr is lawfully seised of tl�e estnte hereby conveycd and has thc right ta sr:uit nnd
<br /> c�nvcy tlic Pro�rny nnd ahnt the Property is uncncumhcrul. exccpt fnr encumbranccs of record. t)orrower wnrrants and will r`
<br /> defend genernlly tho tielc to the Property against all clulms urul dcmands,subjc�;t ta ur►y auumbcances of record.
<br /> Ti�1S SEC:UEt(TY 1NSTRUMENT cnmbincs unlf�rm covenunts far national uso anJ non-uniform covenantc with limlted
<br /> varlutians by jurisdiction to constitute n uniform securit; instrumsnt cavering r�:.�l property.
<br /> UNIFORM COV�NANTS. DorrowEr and I.ender cuvcnant utKi agree as follows: Whcn due the
<br /> 1. Payment ot PrincipAl sn�! Interest; 1'repaymcnt and I.ate GhArg�.w. Borrawcr shaU promptly pAy
<br /> priRCip�!of nnd interest on the debt cvidenceci by the Nate nnd any prepaymcnt and latc charges due under the Notc. �
<br /> 2.Funds [or Taxes s�nd Insurance•Subjecc to upplicublc luw ar a�a written wvver by Lender, Anrrowcr shnll pay to
<br /> Lender on the day monthly payments urc duo undcr ttie Notc.until the Notc is pald in full,a sum("Funds")for:(a)yeur'1y taxes
<br /> and u.asessments which may attt+In preority over this Security Instrument as a lien on the Prope»y;(b)y�rly lcasehold payments
<br /> or ground rents on ch�Prup�rcY+if anY�(c)yearly haznrd or property insurnnce premiums;(d)yearly flood insurun�e premiums,
<br /> if any: (c) yearly mortgago insu►nnce premiums, if uny;nnd(� any sums paynble by Borrower to I.ender. in nccordance with
<br /> the provisions of paragraph 8.in lteu of the payment of mortgage insurance premlums. Thesc items ure callecl"Escrow Items."
<br /> l,ender may, ut uny tinx:. a�llect Y.nd hold ���nds in nn umount not to exceed the maximum amount a lender for a federally
<br /> rclnted mortguSe loan may require for Borrower's cscrow accouat utxier the fedecal Real L'stt►te Settlemeut Fracedures Act of
<br /> 1974 as mncnded from t�me to time. 12 U.S.C.Section 26U1 et srq.("RESPA"), unless anothar luw th�►t applics to thc Funds
<br /> sus a lesser nmount. If sa. I.ender may. at any time, collect and hold Pmxls in an amount nou to exe�ed the lesser amount.
<br /> l.ender may estimate the amount of Funds du�an the b�sis of current datn and reasonable estimates af expenditurcs of future
<br /> Escrow Itenu or otherwise in ac�rdance wtth applicable lu�v.
<br /> The Fonds shall be held in an institution whose deposiis aro insured by a federal agency. instrument;ility, or entity
<br /> (including Lender,if l.ender is such an institution)or in nny Federal Home Loan Bank.l.ender shafl upply the Funds tu pay the
<br /> �scrow Items. Lender may not charge Borrower for holding und applying the Funds,anr�ually analyzing the escrow account. or
<br /> verifying the F.scrow Items,unless Lender pays�rrower interest on the Funds and applicable law permits Lender to make such
<br /> a charge. However. I.ender maY�ecluire B°iT°w'er ro pay u o��e-tirree charge for an independent real cstate tax reporting sen+ice
<br /> �� �y ���_ =n ��..,.�s��n wich chis loan, unlest applicable law provIdcs otlierwise. Unless an agreement is msdc or
<br /> , applicablc law reyuires interest to be paId,I.endcr shall not be requiral to pay Borrower any inter�i ur ca�ing� �'!!:e Fur�`-'
<br /> Ronower and Lender may agree�n writ�nB• how��er. thut interest shu!! be paid on the Funds. Lender shttll give to Borrower,
<br /> witliout churge, an annual acrnunting of thc Funds, showing cradits and debits to the Funds und the Purpose for which each
<br /> debit to the Funds was made•The Funds sue pledged ns n�;no�n os�held by applicablel w�.L.ender sh�all accounnt o Barrower
<br /> If the Funds held by Lender exceed the amounts pe
<br /> for the excess Funds in acoordance witb the requirements of appiicable law. If thc amount of the Funds held by I.endcr t�t any
<br /> time is not sufficier�c to pay the Escrow Ite o mwalce uuetheedefici ncy. Borrc wer�sha�l make up�the denfdiciencyc n�no more chan
<br /> shall pay to Lender the a:rAUnt nacessary P
<br /> tvuelve monthiy payments.At Le►xier's sole discretion.
<br /> Upon payme�t in full of ali sums�ecurod by this Security Instrument, Lender shaU prompnl T���ato UgO�o or sale
<br /> Fu�ds h�ld by Lender.If,under paragraph 21,Lender shall acquire or scll tlie Propercy.L.ander,p' �9
<br /> of the Property,shall apply any Funds held by Lender ut the time of ncquisition or sale ns a credit agninst Itie sums secural by
<br /> this Securiry Instrument.
<br /> 3.AppllcAtion of Payments.Unless applicable law provides othenr�ise,all payments received by I.ender under paragrap s
<br /> 1 and 2 shall be applied:first, to any prepayment charges due undcr the Note; second,co amounis pBYRble unsler paragragh 2;
<br /> third,to interest dae;fourth,to pri�cip�l due;and last.to any late charges due under the Note.
<br /> q. C;���y, I,1e�as.Borrower ahall pay ull taxes.assessments,charges.fines and impositions attributable to the Pr�perey
<br /> which may attaln priori�ty over this�ecurity Instrumenr, and Ieaschold payments or ground rents. if any. Borrowcr shalt pay
<br /> these obligutions in the manner provided in para�rnph 2,or if not paid iu that manner.Borrower shall pay them on Cune directly
<br /> to the persan owed payment.Bor'aower shall prompdy furnish to Lender a{1 notices of amaunts to be paid undcr this paragraPh•
<br /> If Borrower makes these payments directly,Borrower sliali pram�tly fumish to Lender reccipis evideur,ing the payments.
<br /> Borrower shall promptly discharge uny Sian which has priority over this Security.lnstrument unless Borrower:(a)agress in
<br /> writing to the payment of the Abligation securc+ci by the lien in a manner acceptable to Lender;(b)oontests in good faith the lien
<br /> by. or defen3s agains� enforcement of trie lier� in, legal procez�ings which in thc Lcnder's opini�n operate to prevent the
<br /> euforcement of the lir.n;or(c)secures from the 6older of the lien an agrcement satisfactory to Lender subordinating the lien to
<br /> this Security Instrument.If Lem�:r ciciemtines that any part af the Property is subject ta.a lien which may nttain priority ovcr
<br /> this Security Instrument.Lender mny give Borrower a notice identifying the lien.Borrusv.�t shall satisfy the lien or tukc onc or
<br /> more of the actions set forth above within 10 days of the giving of notice.
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