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<br /> z,=��.;� "� TOt3E1'HBR WITH uil the improvement�:now on c�reufter erected an the property,and att eASements,oppuRenartces, � ��""
<br /> . . ,�.•• artd fixwres now ar hemufter u pM of thc property. AN replucemcnts und ndditione shall ulso be covemd by this Sccudry � "�"`"`
<br /> _ .. .,'��� � (nstrument. Ap oPthe for+e�oing is referrcA ta in this Securiry Inewment us the"Peoperty." —_-��_.=°_--.
<br /> � BORROWER COVENANTS thnt Horrower is lawfully seised of the estatc hemby conveyed artd 6�.c thc dght to grant �,"�°`=; ���:_
<br /> __;;�..�,s"-.,��'+�,�� and convey th�Property and ttiet the Piroperty Ia unencumbered eacept for encumbrances of recurd. Borrower wurrnnte nnd �����--
<br /> �" - �vill dcfend generally ihe utle Sa the Properry ugainst alt cluims und demands,subject to any sncum6mnces of recaM. �v�*�,��"�-���•-:_
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<br /> ` THIS SECURTI'Y INSTRUMBNT combines uniform covenunts for national use and nan•uniform covensints with
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<br /> • limited varIatIons by jurisdiction to constItate a unifoan security instrument cavering real property. ,--�fi:=d�,���•_l;,__
<br /> � UNIFORM COVBNAN'I'S. Bottower and Lendercovenantend agree as follows: ,, �fj�, r .___
<br /> - 1. 4'eyment of Prindpai and Interest;Prepayment and Lsrte Charges. Bortower shall prompdy pay when due the S ��`.'���� -
<br /> � princlpal of and interest on the debt evidenced by ihe Note and any prepayment and lute charges due under the Note. � "`':��'"
<br /> 2, Pbnda tor 7�xes and Insurance. Subject to appltcabla luw or to u written waiver by Lender.Borrower shall pay to •. . • :.�.
<br /> Lender on the day monthly payments are due under the Note,until the Note is pald in full,a sum("FLnds")for.(a)yeArly ��"�`�T^`
<br /> � taxes und assessments which ma attain r fo r ity over t h is Secu r l InsUUment as a l ien on t he R v � '�"' "-
<br /> Y P �i' PenY:(b)yenr ly lettse ho l d �,..�,•.;��,z
<br /> • ayments or ground rents on the Pro�rty. if any; (c) yearly hazard or property insurance premiums; (d) yearl tlood ,-,;.,�;:•. �• ��
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<br /> insurance premiums. if any; (e) yearly mortgage insurance premiums, if any:and(�any sums payable by Borrower to '"-T����
<br /> ' Lender,in accordance with the pn►visions of paragraph 8.in lieu of the pay�aent of rteo�tga�e in�surance premiums. These ,'ya-''``;"?%{f�:�a.
<br /> � items ace called"Fscrow Items." Lender may,at any time.collect and hold Fuads in an amo�.�t mot to exceed the maximum �:—'�'"`
<br /> � amount a tender for a federall related mort a e loan ma uire for Borcower�escrow accvun8 u�der the federal Real �'������
<br /> •:,.�... . Y 8 E Y re9 . �•��,::..
<br /> • • ' ' 4ctate S,etateu�ee�C Htvicedures Act of 19'74 as amended from time ro time, 12 d1.S.C.§269t¢r sc�. Q°At6SPt�").unless another f�r... �•;,�.wl.s_
<br /> ` � law t�eae a�ptEes r.o tite Funds sets a lesser amount. If so,Lender may,at any c6rree,colEect aad Cevl�i Fiaids i�an amount not ro =--- -
<br /> exceed eRe tesser acrr.Qnnt. L.ender may estimate the amount of Funds due on the basis oi canr�nG dutt�and reasonable r'. �°-"'"'=""
<br /> ,,., estimates of expec�dieuces of futune Fscrow Items or otherwise in accordance with applicable taw. ��,.: ;;��.,-s.
<br /> " , 'lf�te k�ands shz�i[ bc held in an institution whose d,epacics aa�e insured by a federal age�ry.,insta�mtentaliry. or endry �" .,x-;,:
<br /> ' (inclu � i„r�xcl:r,i£�.ender is such an institution}oc in ari 1�¢deral Home Loan Bank. Lertder sCcaflE a 1 the Funds to a � ` �'L""' - -
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<br /> "� the EscnoW iaems. Il.ender may not charge Hocm�ree Evr ftvtding and applying the Funds,anncna�Ay Amzr:;:�ing the escrow }�,! :;�;������;
<br /> � account,or verifying the Fscrow Items,unless l,ender pays Borrowet intemst on the Fuceds am� a�nLc�sinle law petmits ' ;.���-
<br /> 't""� " i.ender to make such a charge. However,Lender may require Borrower to pay a one-tieae charge f�r a�r�ndependent real �' ' ,�.���ls�;-
<br /> ���:�� estate tax reporting service used by I.ender in connection with this loan,unless applicable Raw proaides otherwise. Untess an , ••�.,,.;•--�
<br /> �'`"�•" agre�ment is made or applicable law requires interest to be patd,Lender shall not be requeeed co p�y ISo�rower any interest or =___
<br /> ''��" . earnings on the Funds. Borrower and Lender may agree in writing,however,that interest sha�t be�ai.d on the�nds. Lender ,�"�"�-�
<br /> . shell give to Borrowec,without eharge.an annual accou�ting of the Fuads,showing cr�edits and c:z�:ss to¢he Funds and the : cF�-;.._- -
<br /> �... �. , purpose for which each debit to the Funds was made. The Funds aze ptc�tt�ed as additional securiry for all sums secured by '. � � �
<br /> ? l, this Security Insuvmeat. ,;� -
<br /> ,.�r ; . If the FS�nds held by Lender exceed the amounts pennit�ed to be held by applicabie Iaw,Lender shall account to ; � �
<br /> '���4• •� ' ' Borrower for the excess Funds in uccordence with the requirements of applicable law. If the amount of the Funds held by '.!,;�:•_=
<br /> k�"� � ` Lender at any time is not sufficient to pay the Escrow Items when due,L.ender may so notify Somower in writing,and.in � -
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<br /> '�.��;'���?��;}S'+��� ' such case Borrower shafl pay ro Lender the amount necessary to make up the deFiciency. Bomower shall make up the i:"} ' - --
<br /> ����'•-+'�'iS'f�ts��"-'� deftcienc in no more than twelve monthl a ments,at L.ender�s sole discretion. � =
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<br /> .,�� . .,.,.,, . Upon payment in full of all sums secured by this Security[nstrument.I.ender shail promptDy refund to Borrower any ' ,r-
<br /> ' ~ :r�„�.;:;,.•!�.. Funds held by L.ender. If. under paragraph 21,Lender shall acquire or sell the Property,Lender, prior to the acquisition or r"'}� •:_
<br /> '� �+ sale of the Pro shall a 1 an Funds held b Lender at the time of ac uisition or sale tis a cr+edit a ainst the sums ��•��-
<br /> ; ' .. PertS'• PPY Y Y 9 S g -n--.-T
<br /> ,. serured by this Security Insuument. � ,��= �
<br /> . 3. Application of Payments. Unless applicable law provides othcrwise, All payments mceived by Lender under . � �b
<br /> ara hs I and 2 shall be a I�ed:first,to an re a ment char es due under the Note;second. to amounts a able under ':' ''
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<br /> , , . paragraph 2;third,to interest due;fourth,to principal due;and iast,to any late charges due under the Note. ;`#;��°
<br /> 4. Chtirges; Liens. Bornower shall pay all taxes, assessments, charges, fines and impositions attributable to the �:,%_�`'��
<br /> • . Nroperty which may attain priority over this Security Instrument,and teasehold payments or grou�d rents,if any. Borrower � ,��� �
<br /> ° shall pay these obligations in the manner provided in paragraph 2.or if not paid in that manner,Borrower shatl pay them on • •
<br /> time directly to the person owed payment. Borcower shal I promptly furnish to Lender all notices of amounts to be paid under � �� .
<br /> ' " : this paragraph. If Borrower makes these payments directly,Borrower shail prompdy fumish to Lender receipts evidencing �r� '� •• , �� . .
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<br /> �;,,.�;, thepayments. r- •
<br /> „ ,,�!�,,1;;,::. Borrower shall promptly discBarge any lien which has priority over th9s Securiry Instntment tsnless Borrower.(a)agrees , ' •: •;r�;�.'•���'
<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 '.`;1��. •r
<br /> � ��ti�;;•�' • lien by,or defends against enforcement uf the lien in,legal proceedin�s which in the Lender's opinion operate to prevent the f�'���`� 'Y� �
<br /> � enforcement of the lien:or(c)secures from the holder of the lien an agreement sa�isfactory to Lender subordinating the lien ,
<br /> ' • " to this Security Instrument. If Lender determines that any part of the F'roperty is subject to a tien which may attain priority
<br /> ' , ,.;.,;• over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrowcr shall satisfy the lien or take .
<br /> �,'-;.; one or more of the actions set forth above within 10 days of the giving of notice.
<br /> S. �lazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected an the
<br /> Property insured against loss by�re,hazards included within the term"extended coverage"and any other hazards,including �
<br /> floods or flooding. EQr which Lender requires insurance. This insurance shall be maintained in the amounts and for the '
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