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<br /> TOG£TH@R W!T!i al!thc im;+r,•v?ment� �u�w or hemafter crected on ihc property;'�a�l Csscmenls,up{wrtrnt►nccs, ` _
<br /> -- and Cxtures now ur hereafter u part af tf►e propeny. Ap rcplucements and udditians shall ular► tx coverecl by thix 5ecunty
<br /> �_ In►tcumcnt. Ali of the forcgai�g is�efcrrcd ta in thi�Security Instrument as the"Propeny•°
<br /> BORRAWER CYJV�NANTS tlut Rorcnwcr i� lawfully xised of the estate hereby convcycd and h�.y th�right ta gr�nt
<br /> • � ;��' and comey the Praperty and that the�ro{+cny is une�uumbered,except for encumbrances of tecord. Borrowtt w:urants++nd _
<br /> , will defend generully the title to t)k PropeRy agxinst Al�cluims and demands.►ubject to any encumb�AncGR of record.
<br /> �• •�' THIS SFCURITY iNSTRUM�IVT combine� uniforn� covenants fa� natiaru�! us.3 and non•unifnim covenunts with
<br /> limited variations by jurisdictiun W constituu a uniform seeurity instrument covering cea!praperly. �
<br /> _ --�� UNlFQRM COVENANTS. D��mwer end i.ender cov�nent s�nd�gmr as follaws:
<br /> � 1. P�raent ot Princippl pnd Interect;Preps►yment q�d�.Ata Cha�ges. Bonowar shall pramptlY paY when due thc
<br /> �!�I x + principal of and intercst on the debt evidenced by the Note and any prepayment and late chnrges duc under the Note.
<br /> � '.1�.��LSL` `• -
<br /> �.; . 2. Funds fo�7Y�xes and Insurqnee. Subject ta applicabte law or to a written watver by Lender�8urtower shall pay to �
<br /> � ,�•�j4�,�,_s :,. ," Lend�r cm the day monthly paymenty,nre due under the Note,until the Note is paid in full,u sum.C'Funds")for.la)yei►r ly _
<br /> tuxes and Assessments whicb may attai�priority over this Sccurity Instrument as a lien an the 4�-operty;(b)yearly (cusehold
<br /> --- --�'��� paymenes or ground rents on the Property, if any; (c) yearly hazurd or praperty insurat� prcmiums; ld) yearly flood ��
<br /> �'�"'�"""'""''�" "" i�suranca remiums, if un (c) earl mort a e insurunce remiums. if an , und (� an sums a ablc b Borrower ta
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<br /> �� �; Lender.in accordance with the provisions of paragraph K,in lieu uf the puyment pf mart�age insurance premiums. These
<br /> --��"��°•� ' item5 tue calted"Escraw Items." Lender may,a�any time,cattoct aiui hold Funds in an a►naunt not to exceed the maximum
<br /> -�-��-�,+�� `�• '' " amount u lender fur a feJerally re{ated mortgage loan may requira for�orr4wer's escrow account under the federal Real _
<br /> �� `�"`°"'�"'''�� Estate Settlement Procedures Act of 1974 as amended from time to tim�.i 2 U.S.C.�2601 er sey.t"RESPA"),unless ano[her
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<br /> , law that applies to the Funds�ets A lesser umount. If so,Lcnder muy.at any time,cotlect and hold Funds in an amount not to
<br /> ;.• • . exceed the lesser amount. l.ender may estimate che amount ot'Funds due on the ba�is o€ cuRent data and reawnabfc _`
<br /> ( • � estimates of expenditures af future Escrow Items or otherwise in accordance with applicable luw. _
<br /> � The Funds shall be held in an institution whosc depasits are insured by a federal agency,instrumentality, or entity
<br /> • (including I.ender,if I.ender is such an institution)or in any Federal Home Loan Bank, I.ender shall apply the Funds to pay =
<br /> � the�scrow Items. l.endcr may nat c6arge Borrower for holdins and applying the Fund�,unnually analyzing the escrow
<br /> account, or vedfying the Escrow Items, unless Lender pays BoROwer interest on the Funds :md applicable Inw permits _
<br />- Lendcr to make such u charge. However.Lcnder may require Borrower to pay a one-time chargc for an independent mat -_
<br /> estate ta�c reporting service uscd by Lender in connection with thix laan,unless applicnble law provides otherwise. Unless an -
<br /> agrecment is made or applicable law requires interest to be paid,Lender shall not be required to pay Borrower any interrst or _
<br /> camings on the Funds. Borrowcr and Lender may agrce in writing,however,that intetest shnll be paid on the Funds. Lcnder
<br /> shall give ta Barrower,without charge,un annual accounting of thc Funds,showing credits and debits to the Funds and the
<br /> purpore for which each debit to the Funds was made, The Funds are pledged us additional security for all sums secured by
<br /> _ - _------ - -- - ihis Security Instn.�ment. -
<br /> If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shatl account to
<br /> Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by
<br /> Lcnder ut any time is not sufficient to pay the Escrow Items when due,l.ender may so notify Borrower in writing,and,in �.��.:
<br /> such cuse BoROwer shall pay to Lender the amount necessary to make up the deficiency. Borrower shull make up the
<br /> ' ��• . deficiency in no more than twelve monthly payments,at Lender's sole discretion.
<br />- '' Upon payment in full of all sums secured by this Securiry Instrument,Lender shall promptly refund to Borrower ariy _
<br />;; Funds held by Lender. If,under paragraph 21,Lender shall acquire or�el!the Property.Lender,prior to the ucquisition or
<br /> �� �ale of the Piroperty,shall apply any Fund. held by Lcnder at the time of acquisltion ar sale as n credit ugainst the sums
<br /> securcd by this Security Instrument. °'-°=
<br /> ►'��,_ . ' 3. Applkation of Payments. Unless applicablc law provides otherwise, aU p•ryments rcceived by Lender under '' •� .
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<br /> paragraphs 1 and 2 shall be applied:first,to any prepayment churges duc under the Notc; second,to amounts payable under =
<br /> . e' paragraph 2;third,to interest due;fuurth,to principal due:and latit,to any late char�es due under the Note. �
<br /> � � 4. Charges; Liens. Borrower shall pay all taxes, as,exsments, churges, fincs and impositions attributablc to the �,-
<br /> Property which may attain priority over this Security Instrument.and Ieasehold payments or ground rents.if any. Borrower �"-"
<br /> � . ' shull pay these obligati�m in the manner provided in paragr:�ph 2,or if not paid in that manner. Borrower shall pay them on E .'
<br />: , time direcdy to the persan owed payment. Borcower shull promptly fumish to Lender all notices of amounts to be paid under �,_,
<br /> i . • this paragraph. lf Borrower makes ihese payments directly.Borrower shall promptly fumish to Lender receipts evidr:ncing
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<br /> . ehe payments.
<br /> Borrower shall promptly diticharge any lirn which hus priority over this Security Instrument unless Borrower:(a)agrees _
<br /> � '� in writing ro the payment of the obiigation secured by the lien in a manner acceptable to Lender. (b)contests in gaod faith the �--
<br /> �1��,; , � • ,.:;;�..f�� lien by,or defends against enforcement of the lien in,lrgal proccedings which in the Lendcr's opinion operatc to prevent the y�__
<br /> �.�• � enforcement of the lien;or tc)secureti fmm the holder of thc lien an agreement sati�factory ro L.ender subordinating the lien ,::;:
<br /> �` ��+�^+ to this Security Inswment. lf Lender detem►ines that any part of the Propert}•is subject to a lien which may attain priority �
<br /> � over this Security InsUVment.Lender may give Borcowcr a noti:e identifying the lien. Borrower shall sutisfy the lien or take �-_
<br />- '`• �'• one or more of the actions set forth above within 10 days of the giving of notice. �::=
<br />` t.' '`���`"� , � S. Hazard or Property Insurance. Borrowcr shalt kcep the improvements now existing or hercafter erected on the '*`
<br /> V�a� ''A� Property insured against loss by fire,hazards inc�uded within the term"extrnded coverage"and any other hazards,including ,
<br /> .��.. � ' �;`s;; . floods or flooding,for which Lender reyuires insuruue. This insurance shatl be maintained in the amounts and for the
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