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<br /> _ _ - '{'CX#ET'HES:!3/i7N utl thr fmprc*vesttcnt.:an�v ar her+eafter erected on the tm►jxrty.en��Ii�e�l�lh�'�A�+,u�ce�, __
<br /> ud�xiurc�now a hece�ncr a�wrt af the propcny. All rcpl+�cement� and addition�shrll alao bo coverod by thi�Sec�uity
<br /> Inswrn�nt. All of thc forcgoin�i�c rcfcrrcd tu in thi+�Secu�ity Inxwmant u tlx"Pirapeny."
<br /> BORROWER COV�'NANTS that Ticxrower is Iwwfully seiud oi tlx ostqe heceby convcyed und hax�hc dght to�rant
<br /> axi canvey thep�operty++nd 1hQt the Pro}xrty ir unenrumbcrccl.eacept fix encumbrances nf rocord. Bomower wurr+�ntY rnd
<br /> will defe,�d$eneraliy the ptk to the Propeny a�afnu dl cl�im�u�d demwr�d�.wbject to any enc�mbrnncei of r+ocord.
<br /> - _ ---___ --� THIS SECURITY INSTRIfMENT rnmbin�y unifrmi covenantn R�r n�ti�n�l u�e w�d oon-uniform covenanw with �
<br /> Itmitod wuiations by jud�diction W con�tiwte a unifam eecudty instrument covenny rcal propeny.
<br /> • UNIFORM COVBNANTS. Borrawer aod l.ender caveoant And agrec ati folluwr;:
<br /> l. Fi�yment ot Pripcip+�l�nd Iat�est;PrepaymenY�nd Late Chwr�a� Borrower shail prompHy puy when due thc
<br /> ..— princfp�l of and intercst on the debt evidenced by the Note ancl any prepayment and late charges due under the Note.
<br /> — — 2. �uads for 1Lxea and Insurance. Subjxt to upplicubla law or to u writtcn waivcr by L.ender.Borrawer chali pay to
<br /> - Lcnder on the day monthly paymcnts are dua undcr the Note,untfl thc Note ic paid in full.a sum("Punds")for. �o)ycarly
<br /> tutes and�ssessments which may attain priority ovcr thic Securiry Instrument as a Iten an the Propeny;(b)yearly Ieaschoid �..
<br /> payments or grrwnd rents on thc Praperty, if any; tc)yeady 6a•r.urd or property insurancc premiums; (d) ycarly flood
<br /> - insurance p�miums. if�uty; (o) ycarly mortgage insurance prem[ums.if uny; and (�any sums payAbie by Borrowcr to
<br /> Londer,In accordance with the provisians of paragrnph 8, in Iteu of the payment af mongage insurance premiums. '1'hese _
<br /> ----- -- _ -------�
<br /> items at�e cnlled"�scrow Items." Lender may,at any timc.collect attd hold Wnds in a�►umount not to cxceed ihe maximum
<br /> amount a Icnder for a federaily related rr�ortgxge loan may require for�orrower!c escrow account undcr thc f�dcral Rcu
<br /> - Est�te Settlement Procedurcs Act of 1974 as amended from time to time.l2 U.S.C.�2601 et sey.("RESPA").unless another
<br /> - l4w that applics to tbe Funds sets a lesser amount. If so.Lendcr may.ut any time.collect and hold Funds in an amount not to �
<br /> =t�''`' exceed the lesser amount. Lender may estimate the amount of Flmds due on the basis of curreat d�ca and �ax�u�b{e
<br /> °.�_;;;., estimates of expenditures of future Escrow items or aherwise in acwrdance with appticable law. -
<br /> '�`��r;� The Funds shall bc held in an institution whose deposits are insurcd by a federal agency, iosuumentality�,or entity
<br /> � '� (including Lender.if Lender is such an institution)or in any Federal Home Loan Bank. Lender shall npply the Fl►nds to pay =
<br /> • the Escrow Items. Lender may aot charge Borrower for holding and applying the Funds,annuaily analyzing the escrow
<br /> account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits
<br /> I�• `► Lender to make such a chargc. However,Lender may require 6orrower to pay a one-time chsirgc for an independent real
<br /> �- estate tax reporting service used by Lencier in connection with this loan.unless applicable luw provides otherwise. Unless an
<br /> Agrcement is madc or applicable law requires interest to be paid,Lender shalt not be required to pay Borrower any Interest or
<br /> earnings on thc E'i►nds. Borrowcr and l.ender may agree in writing,howcver,that inte�rst shall be pa�d on the Funds. Ixnder
<br /> -- shall give to Borrower,without cbarge,an annual uccounting of the Funds. showing credits wui debits to the Funds and the
<br /> ���: purpose for which each debit to the Funds wns made. The�Lnds are pledsed as additional security for all sums secured by
<br />",' •_--_- �����..F � stsfs Securiiy Inst�mtnt.
<br /> ;-:.;.:.:.:..... .. If the I�nds held by Lender exceed the amounts permitted to be held by upplicable law, Lender shalt account to
<br /> . �;�?�y,T)Y��4�ii Boaower for the excess Funds in ucccxdanc�r with the rcquirements of applicuble law. If the umount of the Funds held by
<br /> t �;�.�•fi"4;,,^.. . . Lendtr at any time is not sufficient to pa}•the Escrow Itrms when duc.I.ender may so notify Borrower in writing,and,in
<br /> •°�:-�;,r�,.: such case Borrower shall pay to Lender the amount necessary to n�ake up tt�deftciency. Boirower shall make up the _
<br /> -` ��':":,.•3.-L.?�.:���; : deficiency in no more than twelve monthly payme�ts,ai LenderS sole discretion. =
<br />'.�� =��+i%�•�°r�:.:�- ••. � -: U n a ment in full of all sums sccured b this Securit Insnument,l.ender shall promptiy refund to Borrower any �..
<br /> '�� � ?��r,�.,.�,�,. : +�._... P� P Y y y _
<br /> ±;•• "� A.:'• Funds held b Lender. If.under ara ra h 21,Lender shall ac uire or scU the Pm rt Lender, rior ro the ac uisition or _
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<br />_:,,, , `�'�' . sale of the Property. shall apply any Funds held by l.ender at the tim�af ncquisition or sale as a credit against the sums
<br /> � " " � secured by this Security instrument. -
<br /> "r'��' `� `"`'�'` 3. Application of Pt�yments. Unless applicable law pro�•idr. otherwise,all payments received by Lender under %-
<br /> -w, � �, paragrnphs 1 and 2 shall be applied:first,to any prepa}ment charge�due uadcr the Note;second,to arnounts payable undcr �
<br /> —�.�. �:i�:�.�,�'. -
<br /> �.� �., paragraph 2;third.to interest due;fburth,to principal due;and last,to any late churges due under the Note.
<br /> .P' .' �>'", _ ' '
<br /> _ _� , �;i:�:th°;jt4.�:- 4. ChAr�es; Lkns. Borrower shull pay all taxes. assesxments,chargeti,fines and impositions attributable to the
<br /> �'"`�'' � ' Pro which ma attain riorit over this Securit Instrument,and lensehold r ments or mund rents,if an . Borrower
<br /> .,, PenY Y P Y Y P'Y R Y
<br /> �:'''�� •� ���',��� � � � shall pay these obligations in the manner providcd in para�raph 2,or ii m�t paid in that manner,Borrower shall pay them on _.
<br />:�. . �,��..Y_.,. ;:
<br /> - � � �`' time directly to the person owed payment. Borrower shall promptly fumish to Leacter all notices of amountc to be paid under --
<br /> -. . ...,_..._. .: _ .
<br />_;� ,: '�.'�.�;t�°,�:.::" r'�-:; t�hics paruc�h. If Bortnwer makes these payments directly,Bortower shall pramptly fumish tn Lender tec�;ipts evidencing �
<br /> cbvv P Ym
<br /> .. "�-�x � ' Borrower shall promptly discharge any lien which has priority over this Securiry Instrument unless BoR�w•er:(a)agrees
<br /> .�;;;�., �':�rr,•� in writing to tt�e payment of the obligation secured by the lien in u manner acceptable to Lender,�fi1 cnntests in good fAith ihe
<br /> '��• - lien by,or defends against enforcement of the lien in,legal p�oceedings which in the Lender's opinion opt:rate to prevent the
<br /> - i ,�..�:; � enforeement of the lien;or(c)secures from the holder uf thP lien an agreement satisfactory to Lender subordinating the lien
<br /> ~' •,�;:;,�. <•- to this Security Insdument. If Lende�detennines that any part of the Property is subject to a lien which may attain priority .
<br /> ;i�:.T " ��r.,;,-: over this Securiry Instrument,Lender may give Borrower a notice identifying ihe lien. Borrower shull satisfy the lien or take
<br /> ,� Ta;�•.�,�• one or morc of the actions set fath abovc w�ithin t0 days of the giving of aotice.
<br /> ;'��<, � 5. Hazard or Property Insurance. Bormwer shaU keep the improvement�now existing or hereafter erected on thc -
<br /> `� �'���'=--� • Pro rt msurcd a a�nst loss b fire,huards included within the te�m"extended coverage"and any other hazards,inctuding �
<br /> �" ��'�":�r•�•:.� floo s or flooding for which Lender requires insurance. This insurance shatl be maintained in the amounts and for the 4
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