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<br /> TOOETNER VI�ITH nll the intpmvemcnt:i nnw on c�rcufter erected ix�thc pro�xAy, und all�7�Iftff .��rtenrnceA,
<br /> �nd fxtures naw or her�afler�prrt of thc property. All rcpl�ccmcnts and�ddltion►xhaU dico be cove►ai by thir Saurity
<br /> _—_�
<br /> Inswment. All of the forc�oiryT i�rcferrcd to in ihis Sccuriry Inrwment u tlx"Propeny." _
<br /> BO?RaW�R COVENANTS thut 8cxrowcr is Iawfully scised of thc est�te hercby conveycd and Iws the ri�ht to yr�nt
<br /> � usd convey the E'ropeny and th�►t the Property is unencumbetrd,except for eacumbranctc uf rocex►i. Bortower warrants and
<br /> - = will defend generAlly the title to the Praperty�gu�n�t alt claims�nd�iemands.xubJect ro+my encumbrw�ce�of record.
<br /> 'I'HIS SECURITY IN5TRUMENT combincs uniform covcnwnts for �wtianal usc and nan-uniform coveru�nts with
<br /> -°�� limited vuiations by jurisdictjon to constitute A unifam xcu�ity inscroment covering rcal propeny.
<br /> UNlFORM COVENANTS. Bort�ower and l.eiider covenant and agree ax follows:
<br /> - -�'-- --_-"-==� i. Pnyment oi Prin��pai anci interext;t�ep�yment and�ate LharRa. 8orrawcr chatl promp�iy ps�y wf�cn Jue the
<br /> _-�- -__-_ principa!of and lntcses!oss the debt e�tdeaced b;the Nnte an�!nny prepa;ment aad lete chr oe�clue end�rl.he Nott.
<br /> — - 2. Funds for 71�xes snd Iasur�nce. Subject to applicable law or to a written waiver by L.ender,Harawer sh�ll pay to
<br /> ��y��,4��; Lender on thc day monthly payments arc due under the Note.until the Note is paid in full,a sum t"Funds")for. (�1 yearly
<br /> texes and assessments which may attain priority over this Secudty Instrument as n lien on the Property;(b)yeady leasehold
<br /> -- —=--ry��'�"� payments or ground rents on the Property, if any; (c) yearty huzard or prc►perty insurance premiums; (d) ycurly floai _
<br /> ��_���;,'� insuru�ce premiums. if any; (e) yearly mortgage insurance prcmiums. if Any; and (�any sumti payable by Borrower to
<br /> Lenda�.in accordance with the provisions of paragrapb S,in lieu of the payment of mortgage insurance premiums. These
<br />-_�� �'� items are called"Escrow items." Lender may,at any time,collect and hold Funds in an amount not ro exceed the maximum
<br /> amount a lender for a federally related mortguge loan may require for Borrower's escrow account under the federal Real
<br />%t� Estate Setdement Procedures Act of I974 as amended from time to time, !2 U.S.C.§260t e�seq.("RESPA").unless another
<br /> _ lsw ihat applics to thc Fvnds sets a lesser amount. If so,Lender may,at nny time,cotlect and hold Funds in an amount not to
<br /> '��� ezceed the lesser amount. Lender muy estimate the amount of Funds due on the basis of current datu and reasonuble —
<br /> �� �i� " """'�'" estimates of ex nditures of future Exrow itams or othcrwise in accorda�Ke with a hcable law. -
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<br /> !y,r�.�,�:,4.�,y�.�;.; The Funds shall bc held in an institution whose deposits are insured by A feder�l agency, instrumentality,or entity
<br /> Qr`�%"'��r�"���'.•`y} (including I.ender,if L.ender is such an instirotion)or in any Federal Home Loan Bank. Lender shall apply the Funds to puy
<br /> � • ° the Escrow Items. Lender may not charge Borrower for holding and applying the Funds,annually analyzing the escrow
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<br /> .�:.}.+:; ,;;��i:�a';!fr, account,or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits
<br /> + ••. � • Lender to mnke such a charge. However.Lender may mquire Borrower to puy a one-time charge for an independent real
<br /> � � estate tax reporting service used by Lender in connection with this loan,unless applicable law provides otherwise. Unless an =
<br /> =''-• � � `��� agreement is made or applicable law requires interest to be paid,Lender shall not be required to pay Borrower any interest or
<br /> ':�" ; ��'"':-�:'`•`�i;r; earnings on the Funds. Borrower and Lender muy agree in wri[ins,however.that intcrest shal!be pAid on thc Funds. I.ender
<br /> , #`,�`,5;: �� ;;:;.. :'.�i', shull give to Borrower,without charge,un annual accounting of the Funds,showins credits and debits ro the Funds anJ the
<br />' '. purpose for which each debit to the Funds wns made. The Funds are pledged as additional securiry for alf sums secured by
<br /> .4A � ` � ,� this Security Instrument.
<br /> •;:;:; .. . _.
<br /> �i;i�,��.:-:r:__:.._:.•{r-_;;�� If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to
<br /> � Borrower for the excess Funds in accordance with the requirements of applicuble law. If the amount of the Funds he�d by
<br /> ' ,',;, Lender at any time is not sufCcicnt ta pay the Escrow Items when due,Lender muy so notify Borrower in writing,and. in
<br />" such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the
<br /> , . deficiency in no more than twelve monthly payments,ut Lender's sole discretion.
<br /> • � �;::.;` '.,,:;'�," Upon payment in full of all sums secured by this Security Instrument, Lender shali prompdy refand to Borrower any
<br /> �'':�...•,�°;..' � .•`� � Funds held by Lender. If,under paragraph 21, Lender shull acquire ar sell the Property, Lender,prior to the acyuisition or -
<br /> •r. � . ,:;t.,:, -
<br /> sale of the Property.shall apply any Funds held by Lender at the time of ncquisition or sale as a credit against the sums
<br /> i secured by this Security Instrument.
<br /> �.- >> 3. Applieation of Payments. Unless applicuble law pruvides otherwise, all payments received by Lender under =
<br />-- . . , paragraphs 1 und 2 shall be applied:first,to;u�y prepayment charges due under the nae; second,to amaunts payable under -
<br /> ''� paragraph 2;third,to interest due;fourth,to principal due:and Inst,to uny late chargeti due unde�the Note. __
<br /> 1 ' 4. ChArges; Liens. Borrower shall pay all taxes,assessments, charges, fines and impositions attributabie to the
<br /> , � Property which muy attain priority over this Sccurity Instrument,and lcasehold payments or graund rents,if any. Bortower
<br /> " shall pay these obligations in thc manner provided in paragraph?,or if not paid in that m�nner,Borrowcr shall pay them on
<br /> f '^� ° �- time directly ro the person owcd payment. Borrower shall promptly fumish to Lender all notices of amounts to be paid under _
<br /> '�'h� ��` - this ara ra h. lf Bonower makes these a ments directl , Borrower shall rom tl furnish to Lender recei ts evidencin -
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<br /> -• the payments.
<br /> ������ Borrower shall promptly discharge any lien which has priority over this Security 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 /> ;;;�,;�,- lien by,or defends against enforcement of the lien in,legal proceedinFs which in the Lender's opinion operate to prevent the -
<br />" �'� enfoocement of the tien;or(c)secures from the holder of the lien an agmement satisfactory to Lender subordinating the lien -
<br /> ` �; � -' ! to this Securiry Instrnment. If Lender detertnines that any part of the Property is subject to a lien which may attain priority �
<br /> �,,.�.:, over this Security Inswment,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take -
<br /> - - , :;; one or more af the actions set forth above within 10 days of the giving of notice.
<br /> �u� � �,,.,�.:;,; 5. Hazard or Property Insurance. Borrower shull keep the improvements now existing or hereafter erected on the -
<br /> �Y Property insured against loss by fire,hazards included within the term"extended coverage"and any other hazardx,including
<br />- ��«�'•.��r;�,-,�;�.�.�:.r floods or flooding, for which Lender re.quires insurance. This insurance shall be maintained in the amounts and for the _
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