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<br /> }� T�(3BTHBR WITH all thc improvcmcnta now on c�rcaftcr crcctcd on thc propccty,and aU cascmcnts,appurtcnanccs,and �
<br /> • ' � fucWncs now a heresfter a put of tho property.AQ rcpuccmcnts and addidons ahell ulso bc covcrcd by thls Sccurlry Instrumcnt,
<br /> All of tiu foregoing is refcrrcd to in thi�s Scxurity Instrument as thc"Properry,°
<br />��:_„�� BORROWHR COVBNANTS thet gorroWU is Jawt�Jy��of tha cstatc hc�cby conveycd and has thc rlght to grant and
<br /> _:���� convoy the Propctty and that th�prpperty �9 u�cncumbe�� except fot encumbrances of record.Borrowcr warrartts and wUl
<br /> defend generally Ihe dde w the Property agalnat all claim�and dcmands,subjoct w any cncumbranccs of rocord.
<br /> - THIS SxCURITY INSTRUMHNT combtnes unifam covcnants for nadonal use and nomunlform covcnants wlth limitcd
<br /> varladona by jur;sdicdon to constitutc a uniforn�security inswment coverin8 real ProP�Y.
<br /> ZJNIFORM COVSNAIV'(5,goaower and Lender�ovenant and agree as follows:
<br /> 1.Pnymeat of PrindpAl and Interesti PrepAyment and Lpte Chprges. Borrower shall pmmptly pay when due the
<br /> princ3pal af and interest on the debt evldenced by the Nae and any prepayment end late charges due under the Note.
<br /> - : 2.Ftiada tor Taxes and Insuraace. Subject to applicable law or to a wriuen waiver by L,ender, Borrower shaU pay to
<br /> _� ,� •. I.endcr on the day monthly payments are due under the Note,undl the Note is paid in full,a sum ("Funds")for. (a)yearly taxes
<br />�;;._:;;=. r�. and assessments wbich may attain prlodty over this Securlty Jnstrument as a lien on the Pro
<br /> ;.,,, or ground nnts on the Property,if an ;(�)y�� �d or ro ��Y� ro)Y�ly leasehold payments �°
<br /> -:'' , Y Y P P�►Y insw�nce premiums;(d)Yearly flood Insurance premIums,if e�
<br /> _.�. . � , any:(e)Yearly mortgr�e insurance preminms�if any; and (4 anY su�►s puyable by Horrower ta Lender�in accordance with Ihe �=•
<br /> �.'tic• � ' provisions of paragraph 8, in lieu of the � g p
<br /> °.,�,. :.��:: payment of mort a e insnranco remiums. 'lg,esc items are called"Bscrow Items."
<br /> ,')�,���;' ; Lender may.at any dme,coUect and hold Funds in an amou�t not w eacecd the maaimum amount n lender for a federally related ,
<br /> :.,., �.,
<br /> :''•�i,�_,:,�� mortgage loan may require for Borrower's escrow account under the fedenil Reai 8state Setticment Procedures Act of 1974 as
<br />;:.:`:,���;s. ; araended frpm time ta tjme, 12 U.S.C.Secdon 2601 et seq. ("RFSPA"),unless another law t,�a!applics to the Funds sets a lesser
<br /> •..,' � •.:`• amount If so, L.ende,�may, at any time,wpc�t and hdd fiunds in an amount noi to excecd thc lesser amount,I.cndrr may --
<br /> _ ,",,�^.'- �..�� es►Amate tha amount of Funds dne an the basls of cwrent data end reasonable estimates of expcnditures af fuwre E�crow Items or
<br />- ;: �'� F othuwLscs in uccordance wlth applicabk 1aw. —
<br /> ..,�`: ' 'me Funds shall be held 9n un Instltudon whose depo�its are insumd b a federal _
<br />•_�'''''r'�. 1.endu,if Lender �S such an insdtudon)or In any Federal Home Loan Bank,Lendergshall��S1��F��°�entity(Including
<br />;;.:�'�.,;�. Itema.Lenda may not charge Borrower for holdin and �Y �y�°�0w
<br /> - .,,t 8 �PPIY�B�e Funds,annuelly analyzing the e�crow eccount,or vutfyin8
<br /> - _ � the Bscrow Itema. unle.4s Lender nayy nQrrQWa issit�i oa ihe�u,i�is and applicabk faw pemtits Lender to tnalco such a charge.
<br /> �,r`"={.� Howevu,I.ender may require Borrower to pay a ona-dme charge for an independcnt rcal estate tax repordng ser�,Ice u�d by
<br /> �,,,;.��f� � Lendet in connection wIth this loan,unless llcabk tew
<br /> --__:_.= requiree intuest to be � �°�� o�'�. Unlcss an a�eemcnt is msde a applicabk 4w
<br /> Pe�d Lendu shall not be requl�ed w pay 8orrower any intcrest or eamings on the Fundt. Horrowu and
<br /> -_�� Lendu rryy agroo in writin8�how�ver.thac intuest shall6o pa(d on the Funds.I.ender shaU givu W Borrowu,without chargo.an
<br /> ----- �nn�a1�cx,ounting of the Funds,ahowing crcdits and debltv to tho Funds and the pucpose for whkh esch debit w tho Funds was
<br /> '.�_� • mado.lho Funds ore pledged as addiuional socudty for all aums secured by this Sxurlty Jnstrument
<br /> �-- If the Funda held by Londer excad the amounts perrn(ued to be held by eprl;��b[e law,Lcndu shall accaunt ta�o�.�uwrr iur
<br /> __Y-�,� � Ne eaces�FuatL�in eccordanco with�he nquirements of eppllcable law.If the amoant of the Funds held by Lender at eny dme Is --
<br />--�;� . not suffkient to pay the Bsaow Items when due.I,ender may so no�f"y Borrower in wdting,and,in such case Bamwu sha11 paY
<br /> —__ �; ����he amount nocessary to make up the deficiency.Borrower shall make up the deticfency 3n no more than cwelve
<br /> monthly payments,at Lenda's sok discneHon.
<br /> _ !� UPon payment in fnll of all suma secuned by this Secudty Instrument,I,ender shall promptly refund to Botrower any Fnnds
<br /> �� he�d bY Lendu.If, under paragraph 21,I,endu shall acquire or sell the Property.Ler�der,priQr to the acq�isition or sale of the
<br /> __„� S�. ��p�ly any Funds held by Lender at the dme of acquisidon or sale as a credit against the sums secured by this
<br /> � 3.Applicptbn ot PAyments. Unless a licable law
<br /> _°==`� 1 end 2 shaU be a p plled: f u s t,t o� PP provides otherwisc,all payments reccived by Lender under p az a g r a phs
<br /> --_-_ third.to interest due;fourth,to princ;pal d�d last,w any late harges ue und�e Notc���� payablc under paragraph 2;
<br />- — • 4.Chnr`ea;Lkns. Borrowcr shall pay all ta�ces�����,ch�g�,�-���d ��9idons atMbutable to the Property
<br />,.—� f whkh may attain priodty ovu this SecurIry Instrument,and leasehold payments or ground rents.ff any.Borrower shal(pay t��
<br /> _=_ obligadons 3n the manner provided in paragraph 2,or if not{vaid in that manncr,Borrower ahall pay them on dmo direcdy to the
<br /> ,;.=�=' pe�son owed paymenG Borrower s6a11 promptly furnish to Leader all notIces of amounts w be paid under this paragraph. If
<br /> n-�?:�': Borrowu makes these payments direcdy,Borrower shall pranpUy fumish to Lender rexeipta evidencing the payments.
<br /> _ � ,
<br />_ Borrower shall promptly discharga any lien which hav priodty over this Security Instrument nnless Borrower:(a)agrees in �
<br /> - • : wridng to the payment of the obligadon secured by the lien tn a menner acc�ptable to L,endex,
<br /> • by. or defends again�t enforcement of the IIen in. kgal procoedings wh�ch �n the Lender's@ piniotn operat�e wf prev�n�the �---
<br /> . enforcement of the lien;or(c)secures fmm the holde�of�he lien an agreement satissfectory to Lender subordinating the llen to
<br />_ � ' this Socurity Instrumen�If Lenckr determines that any part of the Property is subject w a llen which ma attain _
<br /> ° ; Securiry Instrument,L,ender may give Borrower a noqce identifyfig the Uen.Borrower shall satisfy the Uen or tako o a or mo e ---
<br /> of the acBans set forth above wIthin 10 days of the glvIng vf notice. =—
<br /> Qrs��
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