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<br /> 'I'OdE'['HER WITH all the Improvements now ar hercaiter enxted on the property,ond oll ca�ementa,�pputtenunces,
<br /> ----- = iu�d flxtures now ur hercaftcr a part ot the prope�ty. All replactments arsd addiHons sha!!al�o be covrrcd by tl�ls Secudty •----
<br /> • ��''���� lnsuument. All of the foregofng is teferred lo in Ihis Secudry Instrument ax Ihe"Piropeny."
<br /> ��"•' • ws BORROWER COV�NANTS that Borrower ia luwfully seised of the eslutc hcreby comrycd and fws thr�i�ht�o grant
<br /> ;,�, �nd convey t6e Property nnd ihat�he Property is une�cum[xrcd,except for encumbrenceg of record. Borrower wnrrantr and
<br /> wlll detcaJ gener++lly the title to ihe t'rop�:cty s+gafnst�II ciuimx wid ek:mands,subject to ur�y eneumbranees of reeord. a _-
<br /> � �:r���; THIS SECURITY lNSTRUMENT combines uniform covenanta for nalional use and non-unifom� covenpnl� wllh
<br /> ""�'�� Umfted variatlons by jurlsdiction toconatitute a uniform security lnstrument coverfng real property.
<br /> ' `"=°'''"• • �`� UNIFORM COVBNANTS. Bo�rower and Lender covenant and agrce as follows:
<br /> _ --- --� � 1. �yasen!ot Prfnclpal uad latcrest;Ptrpsyment and l.ate Ch�r�. 9orro�ver shs!!irromR�Y FaY�vhen due the �--
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<br /> =— ��.*f��. .�� �+�.�;n;� principai of and interest on the debt evidenced by the Note and uny prepayment nnd late charges due under the Note.
<br /> --�= 2. Funda tor'11�xes aad Insuranee. Subject to upplicuble law ar to s►written wuiver by I.ender,BoROwer shall pay ta _
<br /> ""`��'''�`' Lender on the da monthl a ments are due under the Nota,untfl the Note is aid in full,u sum("Funda")for:(u)yeurl
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<br /> ����•_,_ tuxes und as�cessments which may attain priorlty over this Securlty Inswment as u lien on the Praperty:(b)yearly leasehald
<br /> -�'-� payments or ground renta on the Praperty, if any; (c) yearly huwrd or property insurnnce premiurns: (d)ycarly flood
<br /> �; �� , inaurnnce premiums, if any; (e) yearly mortguge insurence premiuma,if any; nnd (� uny sums pAyable by Borrower lo
<br /> �'�"�.;,_ o ,';� • l.ender,in accordence wlth the provisiona of paragraph 8.in lieu of the payment of mortgage insuranca premiums. These
<br /> �' �`'Y '��•+� ' items ure called"Escrow Items.' Lerxier ma .at an time,collect aad hold Plmds in on amount nut to exceed the muximum
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<br /> ���x . �. ., amount a Iender for a federally related mortgage loan may requine for Borrower's escrow account under the federal Real
<br />- ° --�:= -- ' Estete Settlement Pracedures Act of 1974 as amended frosn time to time,l2 U.S.C,�2601 er srq.("RESPA").unless another
<br /> -_ '`_ .� Istw that applies to the Funds sets a lesscr amount. If so.Lendcr may,at any time,collect and hold Flmds in nn amount not�o
<br />- ��' -• ; ` eacced thc lesser emount. Lender may catimate the amount of Funda duc on the bosis of current dato and reasonable
<br /> � � '� . „ esumates of expenditures of future Escrow Items or otherwise in accordance wi[h upplicable law.
<br /> The FLnds shall be held in an institution whose deposits e�c insured by a federal agency, instrumentality,or entiry
<br /> - ,. - (including Lender,if l.ender is such an institution)or in any Federul Home Loan Bnnk. l.ender shall apply the Funds tu pay
<br /> ' � o ,. , .vk the Escrow Items. Lender may not churge Borrower fur holding and applying the Funds,aonuully annlyzing the escrow
<br /> �`• . "`}` account, or verifyfng the Escrow Items. unless L.ender pays Borrower interest on the Funds und applicabk law permi�s �
<br /> - • • ,f ` Lender to make such a charge. However,L.ender may require Bw�rower to pay u one-time chtuge for an indcpendent real
<br /> " � estate tax reporting servlce used by Lender in connection with thia loan,unless applicuble law provides otherwixe. Unless en
<br /> : ' � agreement is made or appllcable law rcquires intereat to be paid,Lender shall not be required to pay Borrower any lnterest or
<br /> � .. •�T�..,. . • eamings on the Funds. Borrower and I.ender may agree in wrlting,hawever,that interest shull bc paid on the Flmds. Lender
<br />- _ - ,;,;.�,,,;;,,; ...•.i;ti�y shall give to Borrower,without charge,An annual accounting of the Funds,showing credits And debits to the Fbnds a�d the
<br /> �, ,-- �'`a' �-- purpose for which ench deWt to the tunda was made. 'I�he Nunds are pledged as edditionai securily Tor ali suai��c�:uicxl by =-
<br /> •• • this Securlty Inatrument.
<br /> � ' lf the Funds held by Lender exceed the amounG4 permitted to be held by upplicAble luw. Lender shall account ta
<br /> ` Borrower for the excess Funds in accardance with the requirements of applicable Istw. If the nmount of the Funds held by
<br /> � 3,r.. . " ' Lender at any time is not sufficient to puy the Escrow Items when due,Lender may so notify Borrower in writing.and. in k_•:..�.
<br /> �• � . such case Borrower shall psty to Lender the amount necessary to m�lce up the deficieney. Borrower shall make up the �� -
<br /> '��: '�^: deficiency in no more than twelve monthly payments,ut Lender's sole discretion. -----
<br /> , • Upon payment in full of all sums secured by this Security Instrument,Lender shull prompdy refund to Borrower any � `�-
<br /> Funds held by Lender. Tf.under paragrnph 21,Lender sh�ll acquire or sell�he Property,Lender,prior �o the ucquisi�ion or �;_�
<br /> , ,� ... . � • ,,. sa1B of the Property, shall npply any FLnds held by Lender ut the time of acquisition or sale us a credit ageinst the sums
<br /> t secured by this Security Inslrument. _
<br /> �, ' 3. Appllcutlon oi Payments. Unless applicuble law provides atherwise, all paymems received by Lender under ----
<br /> �� '-- parngraphs 1 nnd 2 shall be npplied: frst,to any prepayment charges due under the Note;second,to amounts payabie under =
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