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<br /> ,��:, � � ' ' TC)(ih"TEiLR WITH all the improvementa nuw or haratter eroctnd nn the ptop e��n ��eaaemnnte,
<br /> - �ppurtan�nca,�nd fixturee now or horaftor�prt ut the pruporc�•.Atl roplacementa and additiuns�luli�Isu ho wverod
<br /> _ ___ by ttdi Sa:u:ity ln::tru�nent.All at the foro�in�is roferrod tu in thie Security Instrurncnt as ths"Prop�rsS:' -
<br /> -- _—_ BC3RROWER COV�NAN7'5 that Borrower i�lawfully�eieed ot the aeuu heroby conveyed md tus the ri�ht w —
<br /> -:��— �p�.�,�,•r. ,.�. �r�nt�nd convey the Property md that tho Proporty ia unencumbered,eYCept tor encumbrancee ot record. Bnrrower
<br /> ti�,,�,� w�rrmts uid will defend�enerally the�itle to the Nroporty a�ain�t�il cl�ims and demsnd�,subject to�ny encumbrarn;es
<br /> �-� • ut racocd,
<br /> �i.����=.A��... �. 1'EIIS SN.C:URI1'Y IN51'RUMENT combinea unitorm covenantx for nationil use�nd non-uniform covon�nw with
<br /> • �'��`". - limited vtriatinne by jurisdiction to constitute a unitorm security instrumentcoverin�ral property.
<br /> - "'"°'' ' ' '''""""` CNIFORM COJENANTS.Borrower and Lender covenantand a�roe as follaws: `--
<br /> � ` � 1. P�yment of Principal aad Interest;Prepayment and Late C6sr=es. Barrower ehall promptly p�y when dun
<br /> .'�:3�:._,,: -.._, za. the prinsipel of and intercat on the dcbt evidenced by thc Notc and any propayment and late char�es due under the Note. ___
<br /> s.� .+,».•, ..,>. .a: , � 1. Fundi ior Taxes snd Iasurance. Subject to applicable law or to s written wtiver by l.ender.Barrower shall
<br /> q.� psy ta Lender on the day monthly payments aro due under the Note,until the Note is p�id in full,a sum("Funds")for:
<br /> ---_ �� ' ' '� � (a) yeurly tuxes and a.ssessments which may atuin priority over this Security Inatrument as a lien on the Property; (b)
<br /> --;��.iM„a,,..:•L,,. .- .,. yearly�lruehold p�yments o�ground rents an the Property,if any;(c)yearly hazard or property iosurance premiums;
<br /> ��,,.�;,._ . (d) yeucly tlood insurance premiuma,if any;(e)yearly rrtort�age insurance premiums,if any; and(i)any sums payable
<br /> _ --'�' by Borrower to I,e�nder,in�ccordance with the provisions of paragrap:s 8,in lieu of the payment of mortYaYe insur�nce
<br /> � � premiums.These items are called"Escrow Items."Lender may, at any timc,collxt and hold Funda in an amaunt not
<br /> _t , to excee�d the msximum amount a lender tor a federally rolated mortgage loan may require for Barrower's escrow
<br /> _.,,::�r� • • account under tha federal Real Estate Settlement Procedures Act of 1974 es amended from time to time, 12 U.S.C. -
<br /> S9ctior� 2601 et seq. ('RFSPA').unless another law that spplies to the Funds sets a lesser amount.If so,I.ender mAy.
<br /> ' at�ny time,collxt and hold Funds in an amount not to exceed the lesser amount.Lender may estimau the amount of k-:=
<br /> Punds due on tha basia oi cunent daUi and reasonsble estimates oi ezpenditutes of future Escrow Items or otherwise in _`-�'' '
<br /> accorda�ce with applicable law.
<br /> Ti10 Funds shall be held in an institution whose deposits ar�insured by a federal aPency, instrumentelity,or entity 6,'•'".
<br /> ' (including L.ender,if Lcnder is such an institution)or in any Federal Home Loan Bank.L.ender shaU�pply the Funds to �`_•' "
<br /> j �� , , pay tho F.scrow Items.Lender may not charge Borrower for holding and applying the Funds,annually analyzing the ��,_,.
<br /> �' �.: ' escrow account,or verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and�pplicable law --- `�
<br /> . permits I.ender to make such a charge. However, Lender may raquire Borrower to pay a one-time charge for an -
<br /> independent real estate tax reporting service use�by Lender in connxtian with this loan, unless applicable law provides ��,
<br /> otherw�se,Unless an agreement is mede or applicable law requires interest to be paid,Lender shall not be required to --
<br /> pay Harrower any interest or earnings on the Funds.Borroaer and Lender may agrce in writing,howev�r,that intarost
<br /> . . • shall bes paid on the Funds.Lender shall give to Borrower,without charge.an annual accounting of the Funds,showing �=—
<br /> _ _ _ __ . _ _ _ credits and debits to the Funds and the purpose ior which each debit to the Funds was made. The Punds are pled�ed as -�,�-
<br /> additionel security for all sums secured by this Security Instrument. �:
<br /> . If the Funds held by Lender exceed the amounts permitted to be held by applicable law,l,ender shall account to �"`�'�
<br /> ,,J;..
<br /> Borr�wer ior the excess Funds in accordance with the requiremenu of applicable laa,lf the amount of the Funds held � • -
<br /> , , by I,ender at any time is not su[ficient to pay the Escrow Items when due.I.ender may so notify Borrower in writing, __
<br /> ' and,in such case Bonower shall pay to Lender the amount nece.ssary to make up the deficiency.Borrower shall mafce =-- -
<br /> up tht deticiency in no mote than twelve monthly payments,at Lender's sole discretion. - --
<br /> ' Upon payment in full of aU sums secured by this Security Instrument,Lender shall promptly refund to Borrower E��Ar
<br /> � any Funds held by Lender. If, under paragraph 21, I.ender stiall acquire or scll the Property, L,ender, prior to the �° "
<br /> acqu�sition or sale of the Property,shall appiy any Funds held by Lender at the time of acquisition or sale as a credit J_'::'_;
<br /> �� i agoinst the sums securect by this Security Instrument. ;� `�:";
<br /> � 3. Application of Paymeats. Unless applicable law provides otherwise,all payments received by L.ender under : �
<br /> �
<br /> � paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note;second, to amounts payable r ;;�,
<br /> un d er aaragrap h 2;t hir d.to in teres t due;fourt h,to principa l due;an d last,to any late c harges due un d er t he I Vote. �':;'_-
<br /> , 4. Chsr�os; Liens. Borrower shall pay all taxes,assessments,charges,fines and impositions attributable to the t ' ••
<br />. � Property which may attain priority over this Security Instrument, and lessehold payments or ground rents, if any�. s .'. .
<br /> Borrower shaU pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower ,
<br />'��� shap pay them on time directly to the person oxed pa3�ment. Bonower shaA promptly furnish to I.ender all notices of
<br /> amounts to be paid under this paragraph. If Borrower makes these paymenu directly,Botrower shall promptly furnish
<br /> .. to[.endrr receipu evidencing the payments.
<br /> Borrower shall promptly discharge any lien ahich has priority over this Security Instrument unless Borrower.(a) " ��'•���
<br /> �`"�'�• • agrees in writing to the payment of the obligation secured by the lien in a manner arceptabla to Ixnder,(b)contests in ..:=•`-
<br /> good faith the lien b�•,or defends against enforcement of the lien in, legal proceedings Nhich in thc Lender's opi�ian �"��
<br />�'• � � a operate to prevent the enforcement of the lie�;or (c) sec:ures from the holder of the lien an agreement satisfactory�tn . •.,��-
<br /> ,;;��^ I.ender suUordinatin�the tien ta this Security Instrument.If Lender determines that any� part ot the Property is subject � :;"'•
<br />� � , � to a lien which may attain priority over this Security Instrument,Lender may gi�•e Borrower a notice identifying the • '
<br />�� ' lien.Borrower shall sat.isfy th�lien or take one or more ot the actions set forth above within 10 days ot the gi�•ing of :
<br /> 4 noticc. �� ' � ��
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