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<br /> 70(3B't'H�R W1TH all�he improvemonu now or henutl�ter erocted an 1he property,�nd�II asements,appunen�ncei� . .
<br /> �nd fiatura now or hea+eafter�p�rt of tho pn�perty. All replaccmenu and addiUoo�sfull dw be rave�f by Ihi�Secudty
<br /> iprwmau. All ot tla tae�oin�i�rttenrd to In thie Secarity In�uummt�u the"Propeny."
<br /> BORROWBA COVENA[V7'3 Uut 8omower i�lawtully ref�ed ot the esqte hemby conveyed�nd hu the d�ht to�rant
<br /> w�d convey 1ho Ptupaty�nd that the Pmperty is unencumbered.eacept for encumbiancee at�ocord. Bcxrower wamnu ud
<br /> - will defend generaliy ttie titk to�he Propetty agpiou WI claitpr and demwn�,xubject to any ancumbrances of rccord.
<br /> TFU3 BECURlTY 1N5TRUMENT combines unifam cavenNnt� far netiond uce and non•uaifotm covan�nts with
<br /> - �.ID---��---�-- v- �- limited va�laNane by Jurfxdictfon to rnnxtltu�e a uniform eocurity inslnmeant covering r�eal propeny. _
<br /> UNIi�ORM COV6NAN7�. Bomower�uM Lender covenant and�greo as follows:
<br /> l. Paymeot ot PrinclpN and lnkresti�'eppymant And I.pte Cb�rQa. Borruwor sh�ll promptly pay when duo the
<br /> princi af and interoxt on Iho debt evldenced by tho Note and any propayment and I�to chargea duo under the Nwe.
<br /> � Ftiodo tor 7luces�nd In�ur�nce. subjxi to�ppNcablo law or�o a wrftten waiver by I.ender.Borrower sMoll poy lo
<br /> I.ender on 1he day nwolhlX ps►ymenls aro due under the Nda.until �he Note ic paid in full.n sum("Flmdx")for:(u)yearly
<br /> ` _�--- wces and assassment�whirh an�y anain prlorlty ovar thlx Sn:udry l�smiment as a lien on the Property:lbl yearly leacehold
<br /> __ -- p�ds or gnwnd rents on tt�e Propeny. if any: (c)ye�y haxard or property inwranca premiums: (d) Yearly flood
<br />� insunuice premiwns. if any:(e)yeuly mortgage fosut�nce penniums. if my; and(61 my sums payable by Bamwer W
<br /> I�der.ia�ecordan��e with the provlsions of paregraph 8,in lieu of�he payraeat of mo�tgage insurance premivao►s. 'L'hes�e
<br /> __ �tems ue c�lled"Esc�ow Items" Lender may.at any time.collect and hold Flmds in an amount not w exceed the maximum
<br /> amou�t a lender for a federally�elated mortgage loan muy�cqui�Wr Borrower�escrow accaunt under the federal Real
<br /> Esute Settlement P�vicedures Act of 1974 es emended from time to time.12 U.S.C.�2601 e�seq.("RESPA").unleaa anather
<br /> _ 1aw t1u�1 applies to the FLnds sets a ksser amount. If so,Lender may.At any time.collect and hold Funds in an amount not to
<br /> eaceed the Iesser Amaum. Lenci�may estimete the una�nt of FLnda due on 1he basis of cumnt dow and rwwnable
<br /> esdmates of expenditures of future I�sertow Items or otF�envise iec xcordance wilh applicable law. -
<br /> The Funds shall be held in•un i�ns�itudon wNosc deposias s�e insurcd 6y a federal agency. insvumentellty�or entity
<br /> (including l.ender.if l.ender is sucia an insdtueiwm6 ar in aroy Fcckral Nome L.man Bunk. I.ender shall srpply Ihe Funds ta pay
<br /> the Escrow Items. L.ender rtwy a�t charge B�rcou�cr for ho]-t�i�g and tig�+l?.i;a�tha Funds.annually analyzing the escrow
<br /> acxaunt,or verifying the Escrow Items, unless Lender�a�•s Homower inTe�esQ an the Fl�nds and appllcab�e law pem�its
<br /> Lender tu melce such a charge. '�lowever,lx�der may requirr Ho�rower to pu}•a on��-2i�-:e chargc for an independent real
<br />_ e�t.x�' esu►te tax a�pmting:ervlce used hy l.ender in connxtian wfth this loan.unless a�plicab)a law pmvides otherwise. Unl�as an
<br />__ -y.�;'' agreement is made or applicable law requires inte�st to be paid,l.end�r s6ia0�npt be required to pay Borrower pny interest or
<br /> ••t eamings on the Fuauls. Borrower and Lender may agree in writing.however,that interest shall be paid on the Fl�nds. Lender
<br /> ''' ±'{':�'� slwll give to Hoa�a��r,withou!eharge.an annual accounting of the Funds,showing credits and debils to the FLnds and tMe
<br /> 'E``� purpose for which euch debit tv tho ii�nds was mnde. 'Ihe Funds are pledged as addlt�onal secudty for all sums secured by
<br /> �hlr Security InstrumenG •
<br /> __ __ _ if the Runda•h�ld hy l.ender ezceed the amounu penniaed to be held by applicable law. Lender ahall account to
<br /> .� Bornower for the•excess Funds in accordance with the requircments of applicable luw. lf the amount of the Ponds held by
<br /> Lender at uny ti�e is not sufficient to pay thc Escrow Items when due.Lender may so notify Borrower in writing,and,in
<br />�;.,� such case Borrower shall pay to I.ender Ihe amount neces4ury to mnke up the deficiency. Bortower shall make up 1he
<br />_;:' defieiency in no more than twelv�e monthly paymenls,at Lender�a ac�le discrction.
<br />;�?: z� Upon payment in full of all sums secured by this Security Instrument,l.ender shall promptly refund to Borrower�y
<br /> FUnds held by[.ender. If.under ptuagraph 21,L.ender shall acquire or sell the Properry,Lender,pdor to the acqulsiiian or
<br /> +: sale of�he Property, ahull appl}•uny Funds held by i.ender at the time of acquisition or sale as a crcdit agalnst the aums
<br /> r secu�d by this Security Inswment. '
<br /> ' 3. ApplicuOJor� or I�tymenla� Unless applicabk law provides otherwise, all payments received by L,ender under
<br /> _� paragraphs 1 and 2 shall be.applied:finst,to uny prepaymen�chnr�es due under the Note;second,to amounts payable under
<br /> paragraph 2;lhird,�o imemst due;fourth,lo principal due; and lns1,toam�late cb�rges due under the Note.
<br /> � � 4. Charges; Llens. Borrawer shall pay all taxes, nssessmems. charges, fines end impositions attr�butable to the
<br /> Property which may attein pdority over this Security Instrument,and leosehold payments or ground rents,if any. Horrower =
<br /> • shall pay these obligations in the monner provided in paragmph 2,ar if not pald in that munner,Borrower shell pay�hem on _
<br /> � � ame�irecGy iu ii�c�iauu o�cd pay���cnt. Suuuwer shaii promptly fumish to Lender all notices of amaums to be paid under _
<br /> � -«; this pa�agraph. If Borrowcr makca these puymenls directly,Barrower shall promptly fumish to L.ender receipts evldencing
<br /> , , '•u ��}� the paYments.
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<br /> s•� � ?�.}F °' ,,.N Bornower shall promptly discharge any lien which has priority over this Securiry Instrument unless Borrower:(a)ngrees _
<br /> �`N ,�.; ti• in wrldng to the payment of the obligution secured by the lien in n manne��cceptuble to Lender;(b)contesis in good faith the
<br />_, .�;]� �� "� G�� lien by,or defends against enforcement of the lien in,Iegal proceedings a•hich in the Lender c opinion operate a pnevent the -
<br />.�:?)Y �p rt;�y :� enforcement of the lien;or(c)securea from the holder oF tht lien un ugreement satisfactory to Lender subordinating the lien �
<br /> I"��'• ,��a'�r�y� to this Security Instrument. If Lender determines that any part of the Properly is sub�ect to a lien which may attai�priority _
<br />' �•'` ,;_s,,,�:,- over this Secu�ity Instrument,Lender may give Borrower a notice identifying Ihe lien. Horrower shall satisfy the lien or tuke
<br />- - ��, one or more of the actions set forth ubove wi�hln 10 days of�he giving of natice.
<br /> � T �� ,' - S. H�ard or Property InsurAnce. Horrower shull keep thc improvements now existing or hereafter erected on the
<br />'�'� ' '` � Property insured against loss by fire,harards included within the term"extended covernge"And any otlier hazArds,including _
<br /> -' •�'��'""� ` �• floods or tlooding,for which Lender requires insurunce. This insurance shall be maintained in the amounts and for the =
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