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,r:::l�';,.� � ,. .. ' . -' . � .. <br /> .. '�:` �.. �,o, <br /> % ( ."A.�w...�. � . _ <br /> '��) .� <br /> Q�- 10'l102 <br /> TOC3ETIiBR WiTH all the Impmvements aow or her�aRer erxted oa the RrapertY�.eed atl e�seirieata.sppurtaanoa►uid . <br /> tixtures now os hescaRer a purt of tha pro�erty. Ai! nplacer�nts and addidons shall afso bo c�vend by this Saurity <br /> bist�umcnt. Alt of the foregaln�is rcfencd to in this Securlry Instrum�nt ns the"Pe+eperty." <br /> SORRQWER COVBNANTS that Harrawcr is lawfully scised of the estate hereby c.�nveycd and has chc dght to gsai�t and <br /> copvoy the Properry snd Ehat the Prnpetty ia wxncumberod.oxcept for encumbrences of record.Borrow�r warrants n�d will <br /> defend grnenl6y the tltle to the Pmperiy Agedmst all claims and demands.FubJest t4 any cncwnbraaas of record. <br /> THIS 3ECURITY iNSTRUMIBNT combin�s unlform oovenants for nadonal use atid non-uniform cavenants wlth limited <br /> vArlatlone by jurisdictiun to constltute u uniform securlty tasaument covering real property. <br /> � UNtt'OIth1!COVL�NANTS.Horcov�er nad l�ndar covennnt nnd flgme es follo�vR: <br /> I. paytneat of Prinoclpsl and taterea� Prepqyment and 1.s�te Ciwtges. Bonower shail proraptly pay when due tbe <br /> principal af and interest on the debt evidenced by the Note ond ru►y prepayanent nnd latc charges dua undcr the Noto. <br /> �.FuadR Ior Taxes and Insurance. Subject to applicable law or to a written wa�ver by I.ender.Borrower shall pay to <br /> Le�der an the day monthly payments a�e duc undor tlu Note.uaui the Nou is patd in tLll.a sum("Funds")far:(e)yeaily tases <br /> add nssessments whlch may attain prlority aver this Security Instnunent as a lien on the Property;(b)Year1Y leasehold puyments <br /> or graund rents on thc Froperty.if any; (c)yearly hazard or property insurance premiums;(d)yearly flood insuraace premiums. <br /> if any:(e)Yeaz'ly mortgage insw�attce premiums�if any:and(�any sums payable by Borrower to I..ender.in uocoidance wttft <br /> the proYtsFom af paragreph 8, ia 13eu ot the payment of mortgage Insurnnce premlums.These ite�ns are called "Escmw Itemg." <br /> l.ender may,at any time� oollect s�nd hold Funds in an amount not to eaceed the maaimum atnount a lender for a federally <br /> related mortga$e loan may myWre for Borrower's escrow account under the federal Rea!Estate Settlement Procedures Act of <br /> 1974 as amended from Wne to time, 12 U.S.C.Secdon 2601 et seq. ("RESPA"),unless aaother law that spplles to the Funds <br /> sets a lesser amaunt. If so. Lender may, at any timo, collect and hold Funds in an emount not w eaceed the lesser amount. <br /> Lender may estin�ate the amount of Funds due on the basis of current data end mu+wnai�te estiuwtes of expenditnres of thturc <br /> Escrow Itema.or otdenv�se in eccordance with applicable law. <br /> The Funds shall be held in an inatltution whose deposits ace insure� by a federal agency. Instrumentatity, or entity <br /> (iculuding Lender.if I.ender is such an institution)or In any Fe�eral Home Loan Bank.L.ender shall spply ihe Funds to pay the <br /> &crnw Items. I.ender may not charge Borrower for holding and applying tha Funds.annuslly analyziag the escrow account,or <br /> ver�fying the Escrow Items,uniess Leader pays Borrower interest on the Fands end applicable law permits Lender to make such <br /> a charge.However. Lender may require Borrower to puy a one-time charge for an independent real estate tax ceporting service <br /> used by L.emter in cannection with this toan. unless applicable law provides othenvise. Unless an agreement is made or <br /> applIcable law requlres Imerest to be paid.Lender shall not be required to pay Borrower eny [ntemst or earnings on the Funds. <br /> Borrower and Leader mny agree in wridn�,however,that interest shall be paid on the Funds. L.ender shall give to Borrower. <br /> without charge,an annual accounting of the Funds,shawing credits and debits to the Funds and the purpose for which each <br /> debit to tiie�unds was made.Ti�e Funcis arc gIaig�xi u�u�iditiucyat ac�urlty f�r ali stttns securt:d by thls Scau�ii3r Ir�messt. <br /> If the Elinds held by I.ender exceed the amounts pern�itte�t to be helJ by applicable law. Lender shall account to Barrower <br /> for the excess Fuads in acxordanco wIth the requirements of applicable law. If the smount of the Funds held by Lender at any <br /> dme js not suffcient to pay the Escrow Items when due.I.ender may so nodfy Borrower in wridng,and.in such case Borrower <br /> shcill pay to I,ender the amount neccssary to make up the deficiency. Borrower shall make up the deficiency in Ro more than �'-; <br /> twelve monthly payments.at I.eader's sole discretion. <br /> Upon payment in full of all sums secured by this Security Insuument. Lender shall promptly refund to Borrower any <br /> Fuads held by I.ender.If.under paragraph 21.Lender shall acquire or sell the Property. i.eader. prior to the acquisidon or sale <br /> of the Property.shall apply any Funds held by Lender at the dme of acquisition or sale s�s a credlt ageinst the swns secured by <br /> this Security Insuument. ,,,� <br /> 3.Applicnflon of Peyments.Unless applicable law provides otherwise,all payments receive�by Lender under paragraphs <br /> 1 end 2 shall be applied: first. to any prepayment charges due under the Note; second, to amounts pnyable under psuagraph 2; �a <br /> third.to interest due;faurth.to pdncipal due:and last.to any late charges due under the Note. � <br /> 4.Chacges;Lieaq. Bomower shall pay all taxes.assessmeats, charges. fines end impostHons attributable to the Property <br /> whtch may nttain priority over this Security Instnunent. end leasehold payments or ground renu, if any. Borrower shall pay `"��' <br /> these obtigadons In the marmer provided In paragraph 2.or if not paid in that manner,Borrower shall pny them on time directly `�� <br /> to tho person owed payment.Borrower sha(I prompdy furnish to Lendet all notices of amounts to be paid under this paragraph. � r•�'� <br /> � �'� If Borrower makes these payrr�enta directly,Borrower shup prompdy furnish to Lender receipts evldencing the paymeats. • <br /> Borrower shal!promptly dlscharge any lien whtch has prloriry over this Secudty Listrument unless Borcuwer: (u)a�rees in • <br /> wrlting to the payment of the obligation secured by the fien in a menner acceptable to Lender;(b)contesu in good fa{th the lien <br /> by. or defends against enforcement of the lien in, le�al proceedings which in the I,ender's opinion operate to prevent the <br /> enforcement of the lien:or(c)secures from the hotder of the lien an asreement satisfactory to L.ender subordinatin�the lien to <br /> tQtis Security Insuument. If Lender determines that any part of the Property is subject to u lten which may attain priority over <br /> this Security Insm�ment, Lender may�Ive Borrower a rtotice idendfying the lien.Borrower shall satisfy the lien or take one nr <br /> more of the actIons set forth above within 10 days of the giving of notice. <br /> Fotm 3028 8180 <br /> Pepe 1 of 8 ..,, <br /> �y .r _ '1' � .. t•:.Y�W:�z�l, .� <br /> 'T�i�. , . ��r�. _ . . ... . ' � . __ , ' " :. " " . . . : j ��... .. � .. ' <br /> `r !. '�', ,A i <br /> `�.. :��•; . __ . ... , — "� . � a,-� ;do.iV'J - . <br /> . . " <br /> a.... 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