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<br /> ` k TOGETHER WITH ull thc impravcmcnts now or hereafter erected on the property.unJ ull cascmcnts, uppurtcnunres,und
<br /> . �� -` � fixtures naw or hereafter n part af the property. All replucements und udditio»s shull ulsc� be covered hy this Security
<br /> �� Instrument.All af the foregoing is referrwl to in this Security Instrument as the"Propercy."
<br /> BORROWER COVENANTS thut Harrower is lawfully seised of the estute hereby convcyeti und hus the right tn grs�nt and
<br /> • convey thc Propeny nnd thut the Prupeny is unencumbered. exeept for encumbranerti ��f record. Borrower wurrants and will
<br /> ' .,�;fa�� defcnd generally the tide to the Propcny aguinst all claims and demands,subjcct to uny cncumbranccs of rccord.
<br /> THIS SECURITY INSTRUMENT combines unifonn covenants for national use and non-uniform cavcnants with limitecl
<br />� ���M�� variations by jurisdiction to constitute a uniform security instniment covering real property.
<br /> UNIFORM COVENANTS.Borrower and L.ender covcnant und agrcc as follows:
<br /> .�`' � �, 1. Pnyment of Principal and Interest; Prepayment und Late Chnrges. Borrower shall promptly pay when due the
<br /> x principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. _
<br /> �• 2. Funds for Tax�s and Insurnttce. Subject to ap�licuble law or to a written waiver by Lender, Barrower shall pay to
<br /> • �` L,ender on the day monthly payments are duc under tl�e Note,until the Note is paid in full,a sum("Funds")fur: (a)ye.ai'ly taxes
<br /> �` �• • and ac�essmen�s wl�ich may attain prioriry over this Security Insm►ment as a licn an the Property;(b)year�Y leasehold payments _
<br /> �.�: p y y, Y p p Y P e�1r1 tlaod insurance premiums,
<br /> ��,, or gruund rents on the Pro crt ,if un ,(c)yearl haxard or ro ert insurance remiums;(d)y y
<br />"e�����.,. ,'�� -�, if any;(e)yearly mortgage insurance premi�uns, if any; and (�any sums payable by Bonower to L,ender, in accordance with
<br /> ���`'•�^�� the provisions of paragraph 8, in lieu of the payment of rnurtgage insurance premiums. These items are called "8scrow Items.' `
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<br /> •�,�:,�;. Lendcr may, at nny time,collcct and hold Funds in un amount nat to excer,�l the maximum amaunt a lender for e fedc y
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<br />- � relatcd mortgage luan may require for Borro�ver's escrow account under the federul Real Estate Setdement Procedures Act o
<br /> ',�"' � �' 1974 as amended from time to time, 12 U.S.C. Sectiun 2601 ct seq. ("RESPA"), unlecs anothcr law that applies ta the Funds
<br /> `�"� sets u Icsser arnount. If so, l.ender may, at any time,collcct und hold Funds in un umount nrn to cxcccct the Icsscr untaunt.
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<br /> ' Lender may etitima�e the amount af Funds due on[he basis of current dUtu�ind fcasonable cstimutes af expenJitures of ature
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<br /> -_��. Escraw Itcros or othcrnisc in accordancc with upplicublc Iciw,
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<br /> _��.���� Thc Funds si�ull bc hcicf in un in�titutirni whosc dcpusia urc insurcd Uy +i fcdcrnl iigcncy. insu'umcntnlity, ur cn! ly
<br /> ��:�;���` (including Lcndcr. if L.cndcr is such ua institutionl or in any Fcdcra�l H�mic l.�um Ilunk. lAi�dcr shu11�pply thc{�unds 1�►pny thc
<br /> - - F?scraw Itcros. I.cn�lcr muy not diargc Borrowcr for holding and a�pplying thc I�undn.annually unulyr.ing thc cscruw nc�:uunt. or
<br /> `'�°���`� � vcrifying thc Escrow Itcrns, unlc�s Lendcr puys Bnrrawcr Intcrest un thc Fundti imJ uppliciiUlc luw perntits L.cndcr to nuikc�uch
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<br />_:�:''':�;;`;`�_� n chuige. Hwvever. I.ender may rcyuire Borrower to pay a one•time chnrge fur ia�independent rea.l estnte tux rcEx�rting+crvice
<br /> ����•�� used by Lender in connection with thls I08I1, URIC55 appiicuhir �Uw (�f�i"vii�i:� in�1CT'^'i::�• ��:���" `!�� ?o���I11Cpt tS mad�: Of
<br /> =`���*��� upplicuble Inw requires interest to be paid. L.ender shull not be rcye�ircd to pay Borrower uny intcrest or earnlnss on the Funds.
<br /> -=�=---'��±! Borrowcr and Lcndcr may agrcc in writing, however,thut intcrest shall be paid an thc Funds. Lendcr shull givc to Borrower,
<br /> ...-�:�� without charge,an annual accounting of the Funds. showing credits und debits to the Funds And the purpose for which each
<br /> debit to the Funds w�s m�de.The Funds are pledged as additional security for ull sums secured by this Security Instrmnent.
<br />- = If the Fwids held by I.ender exceed the amounts permitted to be held by applicttble law, Lender shall account to Bono�ver
<br /> � tor the excess Funcis in uccordance with the requirenienYs of applicable law. If the amount of the Funds held by Lender at any
<br /> — _ time is not sufficient to pay the Escrow Items when due, l.ender may so notify Borrower in writing,and, in such case Borrower
<br /> r�_ shall pay to Lcnder the amount necessary to make up the deficicncy. Bonawer shull make up the deficiency in no more than
<br /> - twelve monthly payments,at Lendcr's sole discretion.
<br /> Upon p�yment in full of all sums secured by this Security Instrument, Lender shal� promptly refund to Borcower any
<br /> Funds held by I.ender.If,under para�raph 21, Lender shall acquire or sell the Property,Lender,prior to the acquisition or sale
<br />--'-;,�� of the Property.shall a�ply a��y Funds held by Lender At the time of acquisition or sale as a credit against the sums secure4l by
<br /> _— this Securiry Instrument.
<br /> 3. App'13cat1on of Payments.Unless applicable law provides othenvise,all payments reccive,�l by Lender uiider paragtaphs
<br /> l and 2 sh111 be applieci:first,to uny prepayment char�es due under the Note; second, tn amounts payuble under paragrnph 2;
<br /> third,to interest due;fourth,to principal due;and last,to any lute charges due under ehe Note.
<br /> 4. Chae�es; Licns.Borrowcr shall pay all ta�ces, assessments, charges, fincs and impositions attributs�blc ta the Property
<br /> which may attain priority over this Security Instrument,and lensehold payments or ground rents, if any. Bonower shnll pay
<br /> ���� thesc obligations in the munncr provided in paragraph 2,or if not puid in that manncr,Bonower shall pay them on time directly
<br /> ° . to thc per�on o�ved payment. Borrowcr shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
<br /> If Borrower makes these payments directly,Borrower shall promptly furnish to I..ender receipts evidencing the payments.
<br /> Bonower shall promptly discharge any lien which has priariry ovcr this Security Instntmeat unlcss Borrower:(a)ugrees in
<br /> ----_�� writing to the payrnent of the obligation secured by the lien in a mtutner acceptnble to i.ender;(b)contests in good faith tho lien
<br /> ____�_�__o by, or defends a�ainst enfarcement of the lien in, le�al proceedings which in the Lender's opinion operate to prevent the
<br /> --"�— enforcement of the licn;or(c)secures from the holder of thc lien un agreement satisfactory to Lender subordinating the lien to
<br /> -'"=°° �� this Security Instrumcnt.If l.endcr detcrmincs that any part of the Property is subject to a licn which may attain priority over
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