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<br /> TOC7kTHER WITH ull thc improvementti naw on c�rcnftrr crcctcd on►hc prc��xnyl�i�i ull cu�mrr��x,u�urtcnuixes,
<br /> —_ __-- �uKi fixwres now on c�rc.after a pari oC ii�c pru{xriy. Ati�ept,KC�ii�nt�and ac}ditbnh xhall ul+it be cnverrd by�hiw 5�c�urity
<br /> Initrument. Alt of the foteBoing la rctbmed to in this Scrurily In*►run�nt wc thc"f'roperty."
<br /> BORROWER CUVENANTS that Botmwer is luwfully s�ciccd uf Ihc ert+�tc hereby cunvcycd wx1 hax tho dKht to Yrru►t
<br /> _� �nd convey the Propeny and that the Property is unroeumbend,except for eneumbruncez uf rec�xd, Hurruwe�wurruntY und
<br /> -_ �� will defend generally the title ro tha Property oguin�t all claimx und ckmands.subjrct to uny encumhrwue.uf r�curd.
<br /> — � TI�IS SECURITY INSTRUMENT ecrmbinr.c unif�rm wvenwnts for nutinnul use w�d ncx�-unifurm rovenunls with
<br /> 'r�—.��....�--- limited variations by judsdiction to constitute a unifom�urity in�in�mrnt rnv�ring reul pmpeny.
<br /> '�' UNiFORM COVENANTS. Borrower and Lendcr cavenant a�xl agree as fallows:
<br /> T �-�—�� 1. P�yment of Principal and Inte�esh, Prep�yment Aad Lrts�hwr�es. Be�rrowcr shail pron►ptly pay when duc thc
<br /> -��+s� � pr�ncipal of and interest on the debt evidenced by thc Note und uny prcpayment und IAte charges duc under thc Note.
<br /> �,_ . 2. F'unds tor 71�xes and Insurwnce. SubJcct to applicublc law or to a written waiver by Lender.Bortc>wer shuli pay to
<br /> :�r�,�� Lendcr on the day monthly paymcnts are duc undcr the Note,until thc Notc is paid in full.a sum("Funds")for: (u)ycarly
<br /> _ �;�,,,,,�,,�,��._ :,.� taxes and assessments which may attain priority ovcr this Security Instrument As u lien on thc Property:(b1 yc�rly Icuyeho�d
<br /> �.�s�;r�;i.:� �ayments or graund rents on the Piroperty, if uny; (c) yeurly hazard ar property insurance premiums; (d) yearly Qood
<br /> � — msurance premiums, if Any: le)yearly mortsage inxurance premiums,if any: and (� any sums payable by Bunower to
<br /> , g� Lender,in accordance with the provisions of puragraph 8,in li.0 of the payment of mortgage insuraner premiumz. These
<br /> '«Fr'`' . ttems arc called"Escrow Items: Lender may.at any time,callect and hold Funds in an amount not to exceed the maximum
<br /> _. ��.�..,:,,.t.��.., -
<br /> ,,,.,,�. + amount a Icnder for a federally related mortguge loan may require for Borrower�s escrow account under the federal Real
<br />�`"� ' V� �;` Estate Seulement Procedures Act af 1974 as amended from time to time,l2 U.S.C.§2601 et cey.("RESPA"},unless another
<br /> �a .��` .f�� law that applies to the Funds sets a tesser amount. If so,Lender may,ut any time,collect:u�d hold Fund,in an amount not to
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<br /> ! �°�` :•��� •'"�"� exceed the Icscer amount. Lender mQy estimate the amount of Funds due on the basis of current datu und rea�ona c
<br /> , . .,,_. , ...
<br /> ' '�"�: • ��• ' estimates of expenditures af future Escrow Items or otherwise in aceordance with applicable aw.
<br /> ''�`'•"' Thc Funds shal! be held in an instinition whuse deposhs are insured by a federal agency,instrumentaliry, or entiry
<br />_. '- ,.�.�;,�•�::>`rj'J�,r.:
<br /> ~,� �- •� (includmg L.ender,if Lender i.such an institution)or in any Federal Home Lo:ui Bank. Lender shail apply the Funds to pay
<br /> :__;..:::� ,,:�::�..'.,:'� the Escrow Items. Lendes may not churge Bocrower for holding and applying thc Funds,annually analyzing the e�crow
<br /> -- - ' '-""�:;�>>•� : account,or vcrifying the Eurow ltems, unless Lender pays Borrower interest on the Funds and�pplicable law pertnits
<br /> ' ' • Lender to make such A charge. However, Lender may require Botrower to pay 3 one-time charge for an independent real
<br /> � � ��'"�^��`�°� estate tux re rtin service used b Lender in connection with this loan,unless applicable law provides otherwise. Unless an
<br /> ':�'-"�. � ._ . P� 8• Y
<br /> .��,,,� ,t . agreement is made ar appli�able law requires intcrest to be paid,Lender shall not be rcquired to pay Borrower uny interest or
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<br /> '."�`., . , earnings on the Funds. Borrower and Lendcr may agree in writing,however,that interest shall be paid on the Funds. Lender
<br /> — ti ,�w'��`•t.�::'�'. ° shall give to Borrower,without charge,an annual accounting of the Funds,showing credits and debits to the Funds and the
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<br />" �� °�s•. • "' purpose for which each debit to the Funds was made. The FUnds are pledged as additional securiry for all sums secured by
<br /> .. .;�: - .
<br /> ��;;�j,';��.,�_ this Security Instrumept.
<br /> — .---,. — I£thc Faad;held!s� Lender txc�ed the emovnt� �nnined t� t�e held by applicable Inw. Lender shall account to
<br /> ' � Horrower for the excess Funds in accordance wlth the rcquirements of applicable law. If the am�unt of the Funds held by
<br /> ��T Lender at any time is not sufficient to pay the Escraw Items when due.Lender may sa notify Borrower in writing,and,in
<br /> ,,; ,z. _ such case Borrower shail pay to Lender the amount necessury to make up the deficiency. Borrower shall make up the
<br /> deficiency in no more than iwelve monthly payments,rt Lender's sale dixretio�n.
<br /> ' �� Upon payment in iull of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any
<br /> " � ' Funds held by Lender. If,under paragraph 21,Lender shall ucquire or seU the Roperty,Lender.prior to the acquisition or
<br /> sale of the Praperty, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums
<br /> � secured by this Security Inswment.
<br /> � ' 3. Applleation of I'ayments. Unless applicable law provide�atherwise, all payments received by I.ender under
<br />�� '''"' " • paragraphs I and 2 shall be applied:first,to any prepayment charges due under the Note;second,to amounts payable under
<br /> �� = � � ''�� paragraph 2;third,to lnterest due;fourth,to principal due;and last,to any late charges due under the Note.
<br /> ,.....• : � 4. CNarges; Lieas. Borrower shall pay all taxes, assessments,charges, f"ines and impositions attributable to the
<br /> "'1''��'�A � Property which may attain priority over this Securiry Instrument,and leasehold payments or ground rents,if any. Borrower
<br /> �;, •• � .� ,� shall pay these obligations in the manncr provided in paragraph 2,or if not paid in that manner.Borrower shall pay them on
<br /> �_ , time directly to the person owed paymcnt. Borrower shall prompdy fumish to Lender all notices of amounts to be paid under
<br /> ;�. � -. � this parngraph. If Borrower makes these payments directly,Borrower shall promptly fumish to Lender receipts evidencing
<br /> . ,., the payments.
<br /> ;"',�;'`�'� Borrower shall promptly discharge any licn which hax prioriry over this Security Instcument unless Borrower.(a>agrees
<br />- '� �.- in writing to the payment of the obligation secumd by the lien in a manner accept•rble to Lender;(b)contests in good faith the
<br /> - '� � lien by,or defends against enforcemcnt of the lien in,legal proceedings which in the Lender�opinion operute to prevent the
<br /> .: � ��.Y.-. . �
<br /> _ �,�*- y enforcement of the lien;ar(c)secures from thc holder of the lien an agreemrnt satisfactory to Lender subordinating the lien
<br /> -. � �54"-' 'x• to this Security Instrument. lf Lender detennines that any part of the Property is subject to a lic�n which may attain priority
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<br /> �'" ;� ""''• � over this Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lten or take
<br /> ,�`;' - " . o�x or more of the actions xet forth above within 10 duys of the giving of notice.
<br /> ;�;t,y .. S. Hnzard or Property Insurance. Borrowcr shall keep the imp�ovements now existing ar hereafter erected on the
<br /> •. �N;_ ,,.�.�..a•:ti� Property insured ogainst loss by�re,hazards included within the term"extended coveruge"and any other hazards,including �
<br /> , � ' Y'� �' �''' floods er flooding,for which Lender requires insurance. This insurance shall be maintained in the amounu und for the
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