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<br /> - �'� TO(3ETHER W1TH all the improvementx now or hem,�ltcr crcctcd on thc property,nnd ull easements,appurtenanccs, �'��W��-�LL"�.;�-_
<br /> , - und glxtunes naw ar horcafter a part of the propeny. A11 reptacements nnd udditions Ahalt nlso be covored by thie Securtty �;�°�;,�,,:__-
<br /> � ' �. ��' Inswment. Afl of tho fomgofng is refetred to in thfh Secur�ty InsUument aA the"Prape»y." �' 'w��:-�;�r�-----
<br /> BORROWQR COV�NAN'TS that Borrower ie Inwfully sefsed of the catatc hercby conveyed and hea the right to grant � , :'`"�'"h��:��-_
<br /> ttnd convey tho Fkoperiy and that the Property is unencumbered,except for encumbnu►ces of record. Borcower werrants and ,.,,_;,:_...._-�_�'?�'^�
<br /> , will dofend generally tho t�de to the Property againxt ull clnimR and demands,subject to any encumbranccs of record• � '";''`'�?!�-.:�:-
<br /> � I HIS SECURITY WSTRUMEIVT combines uniform covenants for nauunal use a�td non-uniform covanunt�with t� , • :'.�, -
<br /> limited varfadans by judsdicdon to consdtute a uniform securiry insuument covering real pmperry. , `-.'-:`' .
<br /> :: '�'' UNIFORM COVENANTS. Bomower and I.ender covenant s+nd agree ss follows: • �
<br /> . ;.� .
<br /> . 1. Anyment of Prtndpai aad I�tere.st;Prepayment aad Lete Chargea 8orrower shall promptly pay when duc the � �
<br /> ' princi of and interest on the debt evIdanced by the Note and any pc+epayment and late charges due under the Nu�e. --�� -- --
<br /> �F�unda for'[hxes and Insuraace. Subject to applicable law or to a written waiver by I.ender.Borrower sha11 pay to �
<br /> . ' I.ender on the day monthly payments are due under the Note,undl the Notc is paid in full,a sum("Funds")for.(a)yearly
<br /> � � taxes and assessments which may anain prlority over this Secudty Instrument es a Iten on the Property:(b)yearly leasehold .
<br /> ; payments or�r�ound rents an the Property, if any; (c) yeruly hazard or property insurance prcmtums; (d) yeerly flood �-
<br /> Insurance premiums, if any; (e)yearly mortgage lnsurance premiums,ef any;and (�any sums payable by Borrower to
<br /> ' . I..ender,in accordence with the provisions of para�rnph 8,in lieu of¢he paymenz of mortgage insurance premdums. These ';
<br /> ; items are called"Fscrow Items." I.ender may,at any time,coltect andl hoDd Funds in an amount not to exceed tlhe ma�ximum
<br /> - amount a lender for a federaliy related mortgage loan may requim tFor 1Bomower�escrow account under the fedeuat Real °
<br /> �
<br /> Estate Settlement Procedures Act of 1974 as amended from dme to tinne,D 2 U.S.C.§2601 et seq.("RESPA").unless another ';::.•;;'�:-� �;
<br /> •- law it�at app3les to the Funds sets a lesser amouni. If so.Lencler may,at aeiy ume,collect and hold Funds in an amount not to t:,::;,:; •
<br /> � , exceed the lesser emount. Lender may estimate the amount of Ftn�tds due on the basis of current data and reasonable (},,. ..;, �
<br /> ' �`�r•�� � esdmates of expenditures of future Escrow Items or othernise in accordance with a licable law. : 'f � .
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<br /> The Funds shall be held in an institution whose deQosiu are insured by a fe�3era1 agency. instrumentality,or entity �,,:'�:..•��
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<br /> ����r'�''�" (including Lender,if Lender is such an institution)or in any Federai 1-9ome Loan Bank. I.ender shall apply the Funds to pay �••'--�?�' ' ,
<br /> � the Escrow Items. L.ender ma not char e Borrower for haldin aand a t m the Funds, annuall anal zin the escrow 'f`�'l'`' _
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<br /> ' account,or verifying the Fscmw Items, unless Lender pays Bomower intenst on the Funds and applicable Iaw permits „
<br /> � Lender to make such a charge. However, I.ender may require Borrower to puy a one-dme charge for en independent real 'r:
<br /> � estate tax reporting service used by Lender in connection with this loan,unless applicable law provides aherwise. Unless an . ��_
<br /> . agrcement is made or applicable luw requires intec+est to be paid.Lender shall not be required to pay Barrower any interest or . «-
<br /> � eamings on the Funds. Bomnwer and I.ender may agree in writing,however,that interest shall be paid on the Funds. I.ender �r�;�
<br /> � ��, shdl give to Borrower,without charge,an annual accounting of the Funds,showing c�edits and debits ro the Funds and the •.:��
<br /> . pwpose for which each debit to the Funds was made. The Funds aze ple�iged as additional security for all sums secured by � • � �•�'�
<br /> - this Security insuumenc. - .
<br /> If the Futtds held by iLender exceed the amounts permitted to be held by applicable law, Lender shall account to . j
<br /> ,,;i�� ;;��;i �orrower for the excess�u��;.ca accordance with the requirements of a�plicable law. If the amount of the Funds held by • ,
<br /> •,tt,�,�.,;` Il.ender at any cime is not�;u:ticient to pay the Escrow Items when due, �.ender may so notify Borrower in writing, and, in ,� �
<br /> such case Borrower shall pay to Lender cC�e amount necessary to►t�ak: up the deficiency. Borrower shall make up the _ _ '
<br /> deficiency in rto more than twelve monthly payments,at Lender's sole aP�scretion.
<br /> Upon payment in full of all sums secured by this Securiry Instrument,Lender shall promptly refund to Bortower any . �;� ��j
<br /> �"��'�'.� �'�ncBs held by l.endec If,under paragraph 21, Lender shall acquire or sell the Pcnperty, Lender,prior to the acquisition or ( ���' �
<br /> ,:,.. :
<br /> ��r.,;; s:ile of the Property, sha11 apply any Funds held by Lender at the time of acquisition or sale as a cmdit asainst the sums I \:/�i
<br /> secw-ed by this Security Inswment. ` �
<br /> • �,1 t_ 3. A��+l'uratIon af Payments. Unless applicable law provides otherwise, aU payments received by L.ender under
<br /> �:,,�,} paragraphs I ar.�2 shall F�e applied:firxt,to any prepaymcnt churgcs duc undcr the Note; sccond,to amountc payable under l 'i�.
<br /> ' para�caph 2;third,to inierest due:fourth,to principal due:and last,to any late charges due under the Note. � ,, ; . _;,��
<br /> J��',`'�, 4. Charges; Liems. �orrower shall pay atl taxcs, asscssments, chazgcs, fines and imposiGons attributable to the •. �. ,; �j
<br /> Property which may attai�psin�rity over this Security Instrument,and Ieaseho(d payments or ground rents, if any. Bomower � ��',���� ,
<br /> shall pay these obligations in the munner provided in pnragraph 2,or if not paid in thst manner,Borrower shall pay them on ,
<br /> time directly to the person owed payment. Borrower�hall promptl��fnacni:h to Lender all notices of amounts to be paid under , ,
<br /> this paragraph. If Borrower makes thesc payment�directly. Borru��er.hall promptly fumish to Lender receipts evidencing '
<br /> the payments. �
<br /> Borrower shall promptly discharge any lien which ha>priorit}m•cr this Security Instrument unless Borrower:ia)aorees �
<br /> in writing to the payment af the obligation secumd hy the L�n in a marenrr acceptable to Lender:(b)contests in govd�aith the �
<br /> lien by,or defends against enforcement of the lien in,legal procerdin�s which in the Lender�opinion operate to prevent the
<br /> � , enfonement of the lien:or tc)secums im�n the holder of the lien un agreNment satitifartory to Lender subordinating the lien �
<br /> t •• .���:; to this Securiry Insuument. If Lender deecrmines that nny part of the Prs�perty iz subject to a lien which may attain pnority
<br /> � over this Security Inswment,Lender may give Bormwcr a notice identit}in�the(ien. Borrower shall satisfy the lien or txke
<br /> ;�(`�' one or more of the actions.e�furth above within Ip du��of the givin=of natice.
<br /> �!;" � S. Hazard or Prm@ead�Insurance. Borrower shall keep the improvement.nuw exi�ting or hemafier emcted on the
<br /> ' Propeny insured against loss by fire,h;it.arJti includcd within the terr.:"extended ro�rrage"anJ any other hazard.,including
<br /> floodx or Q?c�ading, for which Lender myuimti intiursn�e. Thi. insi:r.;m�r>hall tx maintaineJ in the amounts and for thr
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