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<br /> � TO�ETFIER WI'fH atl the Impjovements now or horeafter erBCted on the praperty, and all easements, nppurtenancea, and --
<br /> • � 1Txturas now ot hereifter e paR of the properiy.Ail teplacements and additlons ohell also bo covored by thio 9eeudty tnatrumenl ' • •
<br /> - • ASI of the taregoing is reterred to In thts 3ecudty lnetrument as the'Property.' ' ' �
<br /> " , BOAROWFJi COVENANYS that BoROwer fs tawtuly eaized of tho eatate hereby conveyed and hao tho�ipht to greM an� � � -
<br /> - . • , • ' convoy the PropeRy and thet tha Piroperty Is unencuntbcred, except for encumbrances ot record. Bortower wnrtF►nts and v�ll � —
<br /> t
<br /> .• • dafond Qanoraly tha UUo to tho Propariy agnlnat ali elalms arsd demanda,sub�ect to eny enwmbrances of reaord. � :< �_
<br /> THtB BBCURITY INIBTRUM�NT comb:nos uNform eovenants for nutlonfil use and non�unBortn covent�nta wlth Omited� ••'�i�.
<br /> ' - ,, varlstlano by JudodtcUon to eonsUtute a unlform esairtry inatrument eavurinfl rosl propeAy. '"��'� '
<br /> � UNIFORM COVENANTS. Borrowar und Lmder covennnt end uproo ua follows: � ' • , "
<br /> ' �. 1.P�ent of P�tnolp�l nnd Interes� Pr�paymont and L.e+te Charges. eorrower shell promptly pey whe �'� • •
<br /> �� . due the Qttnoipai of u�d intemst on tho debt evtdenced by the Note und any propayment nnd tote charges due under the Note. �, � • ,�
<br /> ��� 2. Funds for 5'axes und Inaurena�.Subject to epplicabte Iaw or to a wdtten watvar by Lcndcr,Borrowcr ahatf pa � '
<br /> ' to Lender on the day monthy payments ere due under the Note,unUl the Nota is pNd in fuV,a eum ('Funds') tor. (e)yea „ . • �•
<br /> taxes and ssaessmema whleh may attain p�iority over thls 3ewdry inatniment es a Uen on the Property; (b) yearly leuseholdr,� - ••
<br /> , payments or ground renta on lhe Propariy, if any; (o) yenrry hazard or property insu�ance premlums: (�yearty flood insuranee .•.r.: ' �
<br /> premiums,if any,(e)yeaily mortgage insurance premtums,H any; and (Q eny sums payable by Bortower to Lender in accordanee
<br /> . wlth the provisions ot paragraph 8, in Ileu ot the payment ot mortgage insurance pmmtums. These items are cailed 'Escrow
<br /> items.' Lender may, at any Ume, coilect and hoid Funds fn en amount not to exceed tne maxlmum amount a �ender tor a
<br /> . tederaliy reiated moRgege loen may reyuUe tor 6ormwor's eacrow neeount under the(ederat Real Estate Settlement Procedures
<br /> Act of 1874 as amended from flme to tUna.12 U.S.C. �2801 et seq. ('RESPA•), unless enother law that appties to the Funds
<br /> sets e tesaer amoun� It so,lend�r may,at any tlme, collect and ho�d Funds in an amount no4 4o exceed the lesser emount
<br /> . Lender may esUmete the amount o4 Funds dua on the beais of cur►ent datn and reasonable estisneates of e�¢ndttures ot tuWre '
<br /> Escrow Rems or otQ�emise fn necetdane�wilh apgricabtA law.
<br /> The Ftcnds shall ba h2td tn an institution whose deposits ere insu►ed by a tc�deral agency.ins4rumentality,or�rnSity(induding
<br /> r,� Lender. H lender Is sucA an institution)or in any Federel Home loan Bank Lender s(1a'.1 a�p►y the Funds te pa�p the Escrow
<br /> � ttems.l¢ad2r may not eharge Borrorier for hoid'.ng and applying the Funds,annually anaytirtg thm�se�o�v accoua9.or vedtying • �t�s{<;;
<br /> the �screw ttems� unioss tend..^r pays Barro�ver tnteres! on the Funds end appiicabie law p$amits L¢ndEr to make such a ...:;:::��'�5�4;�:.
<br /> r•�,_,•
<br /> :;�g�..
<br /> charge. However, Lender may require 8orrower to pay a one-time charge for en independent r�! esttite tax reportlng servtee �c;�,;.t;;«;y,.t.;':
<br /> � used by Lender in comnection wfth thls toan. �rt!�ss applicabte Iaw proNdes otherwise. Un►ass an avre��nen4 is mede or , ..;ny�a��.���d.j°r;:
<br /> , eppUcable�aw requires interest to be paid, Lender sPea9 not be required to pay Borrower any interest or eamings on the Funds. , ;,�. ,� •
<br /> 8orrower and Lender may agree in wriUng, however, that interest shall be paid on the Funda l.endar shaU give to Bartower, (� �•. ::� • �
<br /> ' w(Uwut eharge,an ennua►aeeounting of the Funds, showing cred�ts and deb(ts to the Funds an�the purpose 9or which eaeh � �%�• ��=�''
<br /> �•:;<,...., , .
<br /> debft to the Funds was made. The Fur�ds are led ed as addi�onal sacurity for eil sums secured by Ihe Sscurity Instrument ;'f'}";:�.;;:,�;;t��;''.f``:-. .�
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<br /> � H the Funrfs hetd by Lender exce2d ihe amounts permitted to be held by epplicabie law, Lender shall account to Bortower �,r�•,:;,;;:.,•�;;:,,��;,�.. ��
<br /> ' , for the excess Funds in accordance wtth the requirements of app9cable law.fl the amount oY the Funds hdd by Lender at any � +� '"-�''�.t%�`'�'�'�' •- "
<br /> ,.,,
<br /> , t(me is not suifldeM to pay the Escrow Rems when due,Lender may so notity Borrower in w�idng,and, in such case Borrower � �t^�i"`� . ' FY
<br /> ahall pay to Lender the amount necessary to make up the defidenq. Bortower shall make up the defidency tn no more than � ��'_�,�_
<br /> twelve monthy payments,at Lender's soie disaeiio�.
<br /> •� Upon payment in tuU of ali sums secured by this Sewrily Inatrumen� Lender shat promptly re9und to Bortower any Funds � - -�
<br /> ___._. ._ held dy Lender. H, under paraaraph 21.Lender shelt acquire or sell the Properiy.Lender,prior t� the acqufsiUon or sale of the � _ _
<br /> , � ��� Ropetty, shall appty:any Funds hetd by Lender at the Ume ot aequisiUon or saie as a aedR against the sums seeured by this , �
<br /> .; '.`;:.'`' Security InstrumenL
<br /> �'��� 3. Application Of Pt�yl118Pe$s. Unless appiicabie law provtdes otherwlse, ell payments reeeived by Lender under , � S
<br /> �+,':�� paragraphs 1 end 2 shap be applied: first, to any prepayment eharges due under the Note; second,to amounts payabte tend� � � .j,;�„' fj_ j
<br /> `' �'`�t i�;�;'� ta m h 2;thUd, to interest due;fouKh,to pdncipal due:end tast to en Iate ch es due wnder tt�Note. � ;}�'.�'"�
<br /> Pe 9 P y � � �.`r.`
<br /> ���;`�+��.`'t' 4. �harges; Uens. BoROwer shati pay all taxes. assessments, cherges. fines and scn�+_s�ions attributabie to the C7 � ���� -:,•:�";,t
<br /> :•/�: '•:•''.�J,., �"
<br /> � ' �`����'�r' Property which may attain pdority over this Securily Instrument.and leasehold payments or gmunct r�^s. 'rf any. Bortower shall p ;,...t1:i.�::.�r 1
<br /> �'�i_, � pay these obligaUons ir�tQee manner provlded in paragraph 2, or if not paid in that manner, Borrawer shaA pay them on time � � °:'ri,r�
<br /> '�:.,;,;- � :
<br /> � '.'��> directly to the person owed paymen4 Borrower shall prompty tumish to Lendw sli noUces of amaunts to be paid under this rn � ��`�,
<br /> _; � paragraph. Ii 8orrower makes ihese payments direcUy, Borrower shai► prompUy tumish to Lender teceipts evidendng the 0 `",�'ti, ; '
<br /> I .'�r>:��i:J,rAf .
<br /> � , ��:���}t�
<br /> •�S�•'�'`+ ��Bortow� shall rom discha e an Ilen which has priority over this Security Instrument�n�:+^.ss Borrower: a a rees(n , �;'
<br /> , �t;7r=;.�,, P PUY �9 Y () 9 •:. -{;r;'��•: �
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<br /> • . ,�ti+���y w�iting to the payment of the oblipatlon secured by the lien in a manner acceptabte to Lender. (b) contests in good faith the . `.•���
<br /> .. Ilen by, or detends against enforcemer►t of the Iien in, legal proceedings which in the Lender s opinion operate ta prevent the � '�r�.i'- .
<br /> ���.
<br /> �-;�±, • " enforc�ement ot the tlen; or (c) secures irom the holder of the lien an agrecnnent satlslactory to Lender suborc!'naling the Gen to . r
<br /> `v.;� this Seauity Instrument. If Lender detertnines that any part ot the Property is subJect to a Ren which may attaln pdority over this � '
<br /> Securily Instrument, Lender may give 8ortower a notice identifying the lien. Borrower shatl satis(y the Gen or take one or more of ' • ,
<br /> the actions set forth above wilhirt 10 u�A�-s of the gNing of notice. �"''.;;
<br /> ' ' . ,. 5. H828rd or Property Oaa�aurallCe. Borrower shali keep the improvements now rxisl:Tg or hereafter erected on the : - . �;.;•�'
<br /> Property insured agains';lass by fire. hazards induded within the tertn 'extended coverage' are� any other hazards, induding � , ��:�"�%'��
<br /> floods or ilooding. tor nrhwA Lender requires insurance. This insurance shall be ma;nta+ned in the amounts and for the periods •,t.:;'�:�
<br /> , that Lender requires. Tge insuranCe cartier provlding the insurance shali be chosen by Borrower subject to Lenders approva� � '
<br /> which shatl not be unreasonably wdhheld. If Borrower fa�s to maintain coverege described above. Lender may. at lenders '��� ''� • •
<br /> optlon, obtafn coverage to protect l.c��;:=�s rights in the Property in accordance wilh paragraph 7. '-•S� ,
<br /> � Ali �r.�urance poiides and renowaYs shali be acceptable to Lender and shali inc�ude a star��ard mortgage dause. lender �-�; �
<br /> shali have the dght lo hoid the poUc�es and renewals. II Lender requires. Bortower shaG prom.pt�y give to Lender all receipts ot
<br /> � paid premlums and renewal notices. In the event of!oss.Borrower shall give prompt not�ce to the insurance carrier and Lender.
<br /> • , Lender may make proof of Ioss 'rf not made promptly by Bortower.
<br /> ,�•4•;•�; Unless Lender and Borrower o±herwise agree in writing. insurance proceeds shall be appiiect to restoraCon or repair of the
<br /> �� 't'•S,"�� Propc�ty damaged. H the restoration o- �epair is economicaliy feasible and lender's security is�:•r 'assened.If the restoration or
<br /> y , .,.::•Z..}. :•� repair is not economicatty feasible o� �_e�der's security would be lessened. the insurance procePws ::�all he applied to the sums
<br /> �i�� �;'!t'�� �� secu2d by this Seci:�T; instrumer.t =f^ether or not then due, wilh any excess Faad to Bonower If 8orrower abandons the •
<br /> �'i�:.� ..�.. ��.1A�� .
<br /> +-.��:` Property. or does rtGt a^swer wAhin 9� days a notice from Lender that the ins�ra-��rattier has offered to settle a daim. then
<br /> ' • Lander rnay coNec4 tiee �❑surance proceeds. Lender may use the proceeds tc rC�.�r ur rastore ihe Property or ;o pay sums
<br /> secured by this Seccr.y Instrumer.t�nhether or not then due. The 30-day perioC wiil beg�n when the notice is�+ai.
<br /> Urttess lender and Sorrower �^�erwise agree in writing. any app�ication of proceeds to principal shafl not extertG or
<br /> ,���" . postx:a�* Me due date of the mcrrc.r.ty payments referred to in �aragTaphs t and 2 or chartg2 tl�e amount of the paymertt5 r
<br /> . ��' arzdsr Raragraph 21 the Praperty rs uoc,uired by Lender. Bortovrers rrght to any insurance pe':c:�° and praceeds iesutting trom
<br /> . dartraga to the Rreu�tl� prior ta 4�e acquisition shati pass to Lender to the e,rter�t of the sur*rs by this Sc�c��yr insVUment
<br /> immed'�ately prior to t4�e a�uisition.
<br /> . ..__ G fba•euo�mi•a. 19roeorvnfinn M�irdon�nro �nri Prnl�Peenw rt� 4�na Pv2�9vhP_ �II7P6MIB�'S LD9t1
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<br /> �lp�6�H�l9; l.@a,S@ho1dS. Bonower shail occupy, establish,and use the Property as Borrower's prinppai res�dence withm
<br /> sixty days after the execuUon oF th�s Security Instrument and shali continue ta accupy tl+e Propeity as Bortower's principai
<br /> residence for at least ov�e year after the date of occupancy, unless Lender othen,rse agrees m v.rrting, which consent sha�l not
<br /> be unr�sonabty withh�d. or uNess extenuating circumstances exist which are heyo�d Bortower's controi Borrower shail not
<br /> destroy, damage nr impat the Properiy. aliow the Property to deteriorate. or commit waste on the Property. 8ortowM sha11 be m
<br /> ` defauft'rf any forFc��hue action or proceeding. whether civd or cnmmai. �s begun that in Lender's good farth judgment could resutt
<br /> in foAerA�re ot the Property or otherw�se matenalty�mpav the Len createtl by th�s Securdy instrument or Lender s securrty mterest
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