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<br /> TOCiETHER`JV1Tt10ll the improvements now or tkreyft�r erccted on�he propeny.and all eacernenis,�ppurtenunccs.
<br /> __ _ ____ w�d tixturcs now or tKrcafter�pwt of thc propetty. All replrcementa w�d additiuns shall�lew 6e covercd by thix Secu�ity
<br /> lnswment. All ot the forcgoin�is refen�ed W in this Security Inetrument�ur the"Propecty." -
<br /> BQRROWER COVENANTS tfuu Bomower is lawfully seiced of the astAte ttereby conveyed w�d ha�the d�itt ta Rcant _
<br /> and convey the prc�eny�nd that the Propeny is unencumberod.excepl for encumbrar�ces of rocord. Borcower warrants and
<br /> will defend generAlly the title to the Property agalnst dl clw�m�w�d dem�nds,subject to any encumbrancea of record.
<br /> THIS SECURITY INSTRUMENT combines unifomn covenanls for natiotwl use and non•uniform covemntr with
<br /> � �---�=--�-�—� limlted variat�ons by Jurisdiction to constItute a uniform secudty instrument covering ree!propeny.
<br /> -° UNIFORM COYENANI'S. Borrower and Lender cova�ant�nd agrc.e as follows: �
<br /> � - 1. Payment otPrtnctp�t and Intenst;Yrepaymeet md LAte ChArgew BuRUwer shall prompdy pay when due the -
<br /> -_ - — pdncipal of and interest on the deM evidenced by the Note ancl any prepayrnent and late charges due under the Note.
<br /> 2. Fuods for'INxes And Insuraace. Subject to apptic.�ble law or to a written waiver by Lender.Borrower shaU pay to
<br /> -- L.ender on the day manthly payments are due under the Note, unGl the Note is paid in full,a sum("Funds")for:(a)yaurly
<br /> -- --- taxes and assessments which may attain priority over this Socurity Inswment as a lion on the Property;(b)yearly lunsohold
<br /> ���-� payments or ground rents on the Property, if any; (c) yeariy huard or properly in�urance premiums; (d) yaarly flood -
<br /> °":;;�,�y;,�"""�' insurance premiums. if any; (e) yearly mortgage insurance premi�sms, if any; and (fl any sums pAynble by Borrower ta
<br /> Lender.tn accordance with the provis�ons af paragraph 8. in lieu of the payment of mortgnge insurnnce premiums. 'I'hese __
<br /> --- J�'--- ItemR are called"Fscrow Items." Lender may,at any time,collect and hold Flmds in an amount nat to exceed the maximum =
<br /> —=`°� I Arnount a Icnder for a federuUy related mortgage loan may rcquire for Bonower's escrow accaunt under the federal Real
<br /> _ i I�?5��� Estatc Settlemcnt Procedures Act of 1974 as amended from time ro time,12 U.S.C.§2601 et seq.("RFSPA"),unless another _
<br /> law that applies to the Funds sets a lesser amount. if su,Le:�der myy.at any time.collect and hold Funds in an amount not to
<br />= exceed the lesr.er amount. Lender may estimate thc amcwnt of Funds due on the basis of curtent data and neasonable
<br /> . , estimates of expenditures of future Escrow Items or otherwise in accardanee with applicable law.
<br /> - The Funds shall be held in an institut�on whose deposits are insured by a fede�al agency.insuumentality.or entity
<br /> - ,w;�,,. ;. , (inclading L.endcr,if l.ender is such an institution)or in any Federrl Home Loan Brnk. I.ender shal!apply thc Funds to pay
<br /> the Escrow Items. Lender may not charge Borrower for holding und r�pplying the Funds,unnuully unulytln� the esrrow
<br /> � ' account. or verifying the Escrow Itcros, unlexs Lcndcr puya Barrawcr interc�t ��n thc Fuixi�uruf applicoblc luw pcm�itx _
<br /> �"� � l.ender to muke such Q charge. Howevcr.l.ender may reyuirr Borcuwer tu puy u one•�ime churge f�x un indc�knJent rec�i
<br /> .,,,, ,. eswte tax reporting cervice uxd by l.ender in connection with thiw ku►n,anles�ap�licuhle I�w pnwi�k+►uttxnvi�. Unle..un
<br /> � '"`r' ;rtr`r- agreement is made orapplicuble law myuimx intcrest to tK paid.Lcn�kr tihull nat tx�n�uircd tu�wy H�xruwcr uny interc�t or
<br /> ��"`' ''` eamings on thc Funds. Burrowcr�nd LenJcr muy agrec in wdting,howevcr,that tntcrc�t.hwU tx�puW i�n�hc Fundti. l.rnJrr
<br /> `_ sholt give ro Borrower,without etwrge,w�unnu�l acruunting of the Fur�d�,zhowiag credits unci ckbits to the�w�dK�nd the
<br />.� �'' • �,�'���r purpose for which each debit to the Fundti wus made. The FLnds a�e pled�ed ux�ulditionui sa:urity f'or uli xum��ecured by
<br /> _ • '' ' ' this Security Instrument.
<br /> � — :�,��,�,.;_;,�,, iF ihc Funds hald by Lrndcr exceed sl�e amoanss �ermitled io be !scld by appllc�eblP Ipw, t.enckr .haU account to
<br /> ,:�.,h. •,.. 1 Borrower for the excess Funds in accordance with the rcyuuernents of applicuble Iaw. If the rmount of the Funds held by
<br /> • L.cnder at any time is not sufCcicnt to puy the Escrow Items when due,Lender may so notify Borrower in wrfting,and,in
<br /> •• ��•�,•,'. such case Borrower shctll pay to Lender the amowu necessary tn make up the deficiency. Bortower shall m�ice up the
<br /> � ��1`�'°' � ' • • defciency in no more�han twelve monthly payments,nt L.ender�c sole discretion.
<br /> �* Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower uny
<br /> • • - Funds held by L.ender, If,under paragraph 21.Lender chall acquire or seU the Property,Lender.prior to the acqui9ition or
<br /> , , � , sale of the Property.shail apply any Funds held by Lender at the time of acquisitian ar sale as a credit aguin.rt the sums
<br /> ' '' secureci by this Securiry(nstrument. --
<br /> ''' " " 3. Applieation oP Payments. Unless applicable law provides otherwise,aU payments recoived by Lender under �-
<br /> . • �`;•.° ''"�"";,� ara ra hs 1 and 2 shall be a l�cd:fint,to an re u ment char eti due undcr thc Notc;second,to amounts n able under -
<br /> - ��a P 8 P PP � YP PY 6 � PY
<br />� �. `���T paragraph 2;third,to interest due;fourth,to principul due;und last,ta any late charges due under the Nate.
<br /> , '�,;�',�';,�, ':� 4. Chprges; Liens. Borrower shall pay all taxes, assessmanis, charges, fines and impositions atuibutable to the
<br /> ' .'�' '�•�• � Property which may attain priority over ihis Security lnstrument,and leaschald payments or ground rents,if any. Borrower _
<br /> ' _��r'?:�;;."` ;''�� ' ' j� shall pay these obligations in the ma�mer provided in paragraph 2,or if not paid in that manner.Borrower shall pay them on -.
<br /> ' �''� time dircctly to the person owcd payment. Borrowcr shall prompdy fumish w Leiider All notices of amounts to be paid under -
<br /> � ' ' � '' this paragraph. If Barower makes these payments directly,Bortower shall promptly furnish to Lender receipts evidencing
<br /> ����.,_• , „r,� the paynnents.
<br /> .:.�yY Borrower shall promptly discharge any lien which has priority over this 5ecurity Instrument unless Borrower:(a)agrees
<br />_ : in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender:(b)contests in good faith the _
<br />_ •1....
<br /> tM,��.�>�t`s'�� lien by,or defends ugainst enforcement of the lien in,legal proceedings which in the Lender'c opinion operate to prevent the
<br /> -� '���'"•�•�;• enforcement of the lien;or(c)secures from thc holder of the lien an agreement satisfactory to Lender subordinating the lien
<br /> '-`-' �,� ��a`� ���� to thfs Security Instrument. If Lender detertnines that any part of the Property is subject to a lien which may attain priority
<br /> '=s� '1 ,_, , over this Security Instrument,Lendcr may givc Borrower a notice ldentifying the lien. Borrower shall satisfy the lien or take
<br /> � ,, one or more of the actions set forth above within 10 duys of the giving of notice. -
<br /> �'.' '�,,N;,;,�� � S. Hautrd or Property Insurance. Borrower shull keep the improvemems now existing or hereafter erected on the
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<br /> �,:., .,, Property insured against loss by fire,hazards included within the term"extended coverage"and uny other hazards,including _
<br />_�-_=.`y � -'� �- floods or flooding, for which L.ender requlres insurance. This insurance shall be maintained in the amounts and for the
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