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<br /> - 't'UO6THBIt WITH dl the impovemerit�now or Aarc�lter orccted an�he pmpeny.�f o11 ei menu�.App rtenances� �_ _
<br /> --_vv_--9�.'� �ml fie�ixw�x►w cx Iwa�Rar�pWt of the propmty. Atl replacemeMs aod udditianx shpil ulco be wvered b�r tdt�►Securky `
<br /> Imq�uima�t. All af ihe fone�oin�is RPerred ta In�hfo Socu�iry Insaument Ao the"Property."
<br /> .� BORROWBR COVE�NANTS tlwt Barrower ir tawlWly coised af 1he eal�to hcreby convcycd�d hax Ibe d�ht�o gr�nt
<br /> -��` and convay IhoPr�c�y wid tlu�the PropeAy la w�encumberod.exceM for encumbrwrcex of record. Bormwer wutants and _
<br /> ��._ wlll defrnd grneraliy tlie[i�lc ta�he PrapcAy Against all cl�ma�nd demands,subJxt to�ny encumtxwrces of recard.
<br /> '��` THIS SECURITY INSTRUM6NT cambine� un{fam covenanta for natianAl use and non•unifarm cuvenanw wilh
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<br /> �. limiled variotionc by judrdiclion w c�titilule u uniform secudty instrument cavedng rcal property. � -
<br /> UNIFORM CaVENANTS. Barrowcr und Lender covcnunt�nd agree ac fallawa:
<br /> - _,_ 1. Payment of Priuciptl and lotcresti PnW9�nt�nd I.Ate Chprge�. Bortowcr shall pmmptly pay when due�he
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<br /> _ _ princi of and intercst on�he debt evidenced by the Note and uny prepayment und late churges due under the Nde.
<br /> " � F�unde ior 7yuces and Insurance. Subjcet to applicAble Isw or to u wrilten waiver by I.ender.Burmwer shall puy to
<br />�^ � Lender on U�e duy monthly payments are due under the No�e, umil the Nwe is puid in full,u sum l"Flmds") for: (a)yea�ly
<br />'-" taaes and assessments which may anain ptiaity over Ihis Secu�i�y Insuument a+a lien oo Ihe Hoperty;(bl ye�rly k�tseliold
<br /> �. �yments or gmund �1RS on the Property. if Any: (c) yeuly hazard or prapea;r insurnnce p�emium.�:Wl ye�aiy fiuod �_
<br /> -. �nsuruoce pemiums. if au�y: lel yenrly mortgage inaamnce pmmiums, ii any: and Itl Any sums payable ay Bonuwer ta
<br />-•"�•.. Lrnder.in accoManee with the pruvisionc of puro8rnph R.in Iceu of the par}rment af monFage 6nsurance prcrniums. Th�,we —
<br />_ — -- items ur ca�l�ed'Escmw ltemc." L.en�ler may,ut any iime.colien und hold Fl�nds in an amount out to esceed tpe maximavr,n .
<br />'��' ' amount a lender for a fcx�erraGl} relatec�mottgage loan may req�ire for Bornawer�es4:row account under td�e federal Ren9 •' =�
<br />-�?:', 8state Settlement NnreQn:�tis :�af 197d�s�mended fran time w timc. 12 U.S.C.$2601 c�seq.("RFSPA"1. �u�k,.r unc�tlit.�r �."::
<br />••-� law thot applies to the FKC�a:tn a I�.er am�unt. If u�.Lender may,at any time,collect and hold Funds in ucn amarunt nat am ���;..i'�
<br /> -_ — -_ — eaceed dee lesser amoun�,. A.ender m:�} e•timAte the amawit of Fundc due on the busis oi cumenl dau ard�sonaM�e �`_"'
<br /> '��� -`� espmates ot expenditure�of iurore EscrU*.��items cx otherwia�i��uecwdurxe wiih uppii�aLie lau�. ;
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<br /> �- �``���i` 71�e �nds shall bc heid in un ins�awtian whwse depositx are insured by a federal ogency, insuumentalNy. or e�1ic�. �t j,.
<br />:���, ` y. ,� (including Ixnder.if Len�cK is Fuch an in�;titudonl c�r in any Fedeml Home Luon BAnk. Lender shall apply the Wnds to pav , . ��,,.;;
<br />,_�,. � ' ���"� � the Escrow Items. Lendet may not cha�e Botmwer far holding and applying the Funds, unnually anulyzing Ihe escrow +�:
<br />�`•='�"'` aocount,or verifying the Fscrow I�ems, unless I.en.t�r pays Borrower interest on the Funds And applicablc law permits �="-
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<br />"::,� �r °'"� � l.ender to muke such a charge. However.l.ender may requin:Borrower to puy a one-time charge for an independent reul �;=
<br /> ��, , � � es�ate tax reporting service u.ced by Lender in connection with tbis loan,unless applicable law provides atherwise. Unless an
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<br />'-:�j���� , agrcement is made or applicabk law tequires imerest to be poid.Leader shall not be required to pay Bortower aay interest or ��`:
<br /> }, y enmings on the Funds. Bortower nnd l.ender muy agree in writing,howcver,thut i�tercst sh�ll bc peid on the Fuads. Lender
<br />-p_� ^ .�.,a;;'. � shall give to Bomower,wilhoul churge,an ennuol accounting of the FLnds,showing credits and debits ta the Fueds and Ihe �i:�1
<br /> �•.�, ,. � pixpose for which each debit to the M1ndx wa.r mode. The R�nds are pledged as udditionul securlry for ull sums secured by
<br /> `� . • . . . :; ,,.�•�I this Secqriry InstrumFnt. ���
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<br />-- ti; --a,�-::�;'�ti:�i� °;�:,},�,: � it il,a Fwxi�s i�id by C.ender..xcr.e� ihc amounis pertrsittec! :�bc held by spplicable la+Y, Lender shall acceunt to _
<br />„`,?�;. .;:��:'"�°��;;F, �,,.• � Borrower for�he excess Funds fn uccarctance with the requfrernents oP applicubk luw. If thQ+unount of�he FLnd.g held by �:__
<br /> :;��,� :�:�i:��'. :+{.',•e � ' . L.ender at any time is nat sufficient to pny the Escrow Rems when due, Lender mny so notiFy Bormwer in wri�in�,and,in ��.
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<br />�";��,; �• ••�� ��� '� � such case Bortower shall pay to Lender the amount necessary to make up the deficiency. Bormwer shnll make up U�e _
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<br />.,._,� • ,, ,,tt � deflclency in no more�hnn twelvc monthly payments,a�Lender's sole discretion. _-�
<br /> .-�, -�-.-_�,-;�- �; Upon payment in full of all sums secut+cd by this Sceurtty Instrument.Lelsder shs!!ptvmFtly rrfund�o Bnrrowpr nny
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<br /> • ,.�; rt ..d��., � Funds held by Lender. If,under purug�aph 21,Lender shall ncquire or seli the Property,Lender,prior ta�he acquisftion or �':�
<br /> ���"�' ���'r" I snle of the Property, shall apply uny Funds held by l.ender at �he �imc af acquisition or sale ax a credit ugaimt the sums �.,
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<br />���� , ��•,' � aecur+ed by�his Security Insuument. �'�-
<br /> ` ��-�•..�,` •,�' �'-,� ` 3. Applkatlon oP PAymenta. Unless upplicable law provides otherwise, all puyments received by Lender under �
<br />-_� ���~4����"� ora m s 1 nnd 2 shall be a lied:first,to un re a men�char es due under Ihe Note;second,to amounts able under ��
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<br /> ;,�� �N, y •,�,�}?,� paragtnph 2:third.to intereu due;fourth,to principul due;nnd lasi,w uny late charges due undcr the Nac. �t..
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<br /> {;�;� �,_� ,3 ,�„+,,�y: : � rg t Llens, Horrowcr shull u all �axcs,axsesxmems, chur e�, fines und im si�ions attribnwble to the
<br /> ., °;�"'�+�7���,�f''�i;�j;�ti4�. property which may attuin priadly ovcr�his Security Inctrumen�,and Icnxehold puyments or ground rcnts,if Any, Bornower
<br />•�?�"' '�i',:`;1 s`;��� �'� � sholl these obli utions In �he manner rovfded in ara�m h 2,or if nut uid in thot manner.Bormwer shall them on
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<br /> � , j 'r time direcdy to the person owed puymenl. Borrower shall promptly fumish to Lender all naices of amounts to 6e paid under , ,
<br /> '" ��• � � q tf,;��• thls puagraph. If Borrower mokes Ihesc payments direc�ly,Borrower wholl pmmpUy fumish to Lendcr rcceipts evldendng jt���
<br />"�:���' 1��� � � �'' ' the paymenls. "•
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<br /> -- � ���:�`�'j h`•i�-`++`�� Borrower shall rom tl dischar e+m lien which has ori� over this Securit Instrumem unless Borrower: (a►A rees
<br /> . �,, ��}�,F P P Y B Y Pr! Y Y R t��,
<br /> ^' ��,�'� f(�r in writing to Ihe payment oi the obligalion secured by the lien�n a m:mner ucceptable to Lender,(b)contests in good Paith th� ,.�.
<br /> .:"; � i+���. �f;h'����'. lkn b .or defends a umti�enforcement of the lien in,le al roceedin s which in the Lender's o �mon o mte to revent�he
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<br /> .•1 i�;";i�r4: ��'�' enfbrcement of�he lien;ar(c)secures fmm�he holder uf the iien�u�ugrc�ment w�i,fucwry to Lendcr suborditw�ing thc Ucn ��':,;_
<br />-,�" "r��� Y° �QEf•:s"•�� �10 this Security Inswment. If Lender determines thal any part of the Property is subject to u li�n whkh ms+y analn priorlty �'r;'
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<br />..i; tr���1;;f over thls Scturiry Insaument.Lender may give Bormwer a noticc identifying the lien. Bortuwc�shs�OE eauosfy the lien o�take
<br /> ' • ��'�i:�+�'>� one ar morr of the uctions set forth at�ove within 10 days of�he givin�t of notice. ��
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<br />,��ti,�Q' .l3,.;. : S. Wa�rd or Prc�perty InsUrnnce. Borrower shall keep the improvements naw existing or her�af��cr erected on Ihe ,
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<br /> r ,„.�.•">'.' � Propeny inaured aganntt loss by fire,h:izurds included withln the term"eztendrd covernge"und Any other hu:rardc, including �.��
<br /> � '' ' °F k��' �.�"' � floods or Qooding.f�r w�hich l.ender requires in.suQ�n��e. 'fhis insurance shall be muintained in the amounu and for the �;;
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