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<br />- _ TO�',L"•'fHCIi�°JtTH nll titc in�provci►.cnss�an�v u•n c�raaftcr�rccted on tLa ptnp�ny,t-.Y�il nU ca.cnic�it:�,appu.,�.:�i�u;cc;.
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<br />__ ��t,;�,,n.�;;�.,;x;�i end fixtuma noµ✓or hErcaf�sr t��SaR of"ihe proec.ny, All i�cpl�ceme�nts an6 add�tlons shall also be cuvcs'ed by tl►is Security i�___"��"_
<br /> ��.„,,:�W, �=..__� `r Instrumci�t All of the foregoing�s referrc& to in thi9 Securi�y(nstrvment a�die"Propeny." �__;�,.
<br /> -- 130RRQWER COVL'NANTS that Aa�rower i9lnwfUlly seised of the es:_:e he�cby convcycd and lias th�eight to grant
<br /> - �� -=� - � � '� nnd convcy the Nroperty and th:�t tf�e Prope�ty is un2nGaxnben:d,enccpt for encumbmnces af record. E3orrower warmnts nnd --
<br /> - ---_�'""°�'1°'�'� wifl defcnJ generally the tiUe to the Property against ull cluims:u�a de►u3ids,Sub,ject to any c:ncumisraiis:es of recar�. ��{`A-
<br /> -- - THIS SECURiTY INS'I7dUM�NT combi�es anifarm covenants for nationuf use and nun-uniform cnvennnts with �
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<br /> ���a;�,������ limited varintions by Jurisdiction to�onsQtutc n uniform secm�fry insUvment cayering re.11 property. ____
<br /> °F fwr±+�9 UNIFORM COV6NANTS. Barcower and Lcnder covenant n��d agree ns folloWs: !--
<br /> �'-l.�,�� 1. Payment atPr[ncipa0 and Interest;P'repeyment and�.ate Ch�r�es. Aorrovrer shall promptly pay when dua the .L �
<br /> -�n�ll�� 'y ) � q'i��� .
<br /> � � 4��� rinci �l of and interest on 1hc debt evitienced by thc Nete and any prepayment and Inte charges due uader the Note. ��;,,_
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<br /> 2. FLtids tor'Ilua�and Ir�.��-uramce. Sub}�t to applicable law or ro a writtcn waiver by l.ender,Bon•ower shull pay to ���-
<br /> - :NV."�`�,�� �� I,endcr on thc day monthly payments.uc due under the Notc,until thc Notc is pa�d in full,a sum("Fuads")for: (a) ycariy __.:._
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<br /> �:-'-3s� ,�: i �. taxes nnd asscssmcnts which may attain prioriry uvcr this Security Instrument ns a Iten on the Property;(b)yearly leasehold �
<br /> - .:::�.:�� . •: . ... paymenu or ground rents on the Property, if any; (c) ycarly hazard or property insur�nce premiums; (d) yearly flood �+"'_`y�'';:,
<br /> .��'��� • � insurance premiums,if any; (e) yearly naortgage insumnce premiumc. it any; and (�nny sums payable by Sorrotiver to a:E��:
<br />�''�='� ` � Lender,in accordana with the rovisions of asa ra h 8,in lieu of ti►e � ment of mort a e insurartce remiums. These
<br /> =-.::..�_;,,, • . . P P S P P�Y � S P .�_,_
<br /> � � �'� ��-�, items are called "Escrow Items." l.ender may,at any time,callect and hald Funds in an amount not to exceed the maximum ���-�'
<br /> -'�'L�'t��'�( ���� � �;'�: amount a lender for a federally related rnortguge loan may require fur Borrower's escrow account under the federal Rcal '"�'
<br /> � � Estate Settl ement Praceduces Act of 1974 ac amended from pme to timc, 12 Y1.S.C.§2G01 e►seq.('T ESPA").unless anotl�er �:F
<br /> -_. ' 't,• �:::
<br /> ' law th�t applies to the Funds sets a lesser amount. If so,Lender may,at any time,collect and hold Funds in an amount not to _}.il.,.
<br /> ' � � exceed the lesser amaunt. Lendcr may esqmate the amaunt of Funds due on the basis of cuaent data and neasonable --
<br /> ' ` . estimates of expenditures of future Escrow Items orothenvise in accordance with applicable law. .
<br /> The flmds shall be held in an institurion whose deposecs are insured by i�fedcral agency,inswmentality,or cntity .�L�-
<br /> (including i.ender,if Lendcr is such an insptution)or in:u►y Federal Home L.oan� k. Lender shull appty the Funds to pay ,�•'°�
<br /> . the Escrow Ttems. l,ender may not char#�e Burro�ver for holding and applyins the Funds,annu�lly analyzing the escrow
<br /> account, or verifying the Escrow Items, unless Lender pays Eiorrower intemst on the Funds and applicable law pennits
<br /> � Lender to make such a charge. However.Lender may require Borrower to pay a one-time chazge for an indeFendent real
<br /> • estate tax reporting service used by Lender in connection with this loan.unless applicable law provides othenvise. Unless an :
<br /> agreement is made or applicable law rc�quires intcrcst to bc paid,Lcnder shall not bc cequired to pay Borrower any interest or .
<br /> „" eamings on the Funds. Borrowcr and Lender may agrce in writing,however,that interest sh;ill be paid on the Funds. Lender
<br /> : � ���o�yP��R�,�rnwrr; with�ut charee,an armual accountin�of the Funds, sho�ving credi�s and debits to the�nds and the '
<br /> , purpose for which each debit to the Funds was made. The Funds are pledged us additionnl security tor aii su►rs securcd�y
<br /> this Securiry Inswment.
<br /> If the Funds held by l.ender exceed the amaunts pe:mitted to be held by anplicable law, Lender shall account to
<br /> �'<�`� ' Borro�ver far the excess Funds in accardance with the requimments of applicable law. If the:unount of the Funds held by �
<br /> ,�.;..:�' �� .
<br /> • ���•`�° Lender at any time is not sufficient to pay the Escrow Items when due. Lender may so notify Borrower in �vriting, and, in
<br /> �� such case Borrower shall pay to Lender che amount necessary to make up the de�iciency. Borrower shall make up the
<br /> — �� deficiency in no more than twelve monthly payments,at L.ender's sole discretion. , -
<br /> �� Upon payment in full of all sums secured by this Securiry Insuument. Lender shall prompUy refund to Bonower any = _
<br /> Funds held by Lender. If,under paragraph 2(, Lender shall acquire or sell the Prope�ty,Lender,prior to the acquisition or
<br /> ;��''�" sale of the Property,shall apply any Funds held by Lender at the time of acquisition cr sale as a credit against the sums .
<br /> � � secum.d by this Securiry[nswment. "
<br /> ,. . 3. Appliwtton of Payments. Unless applicable law provides othenvisc,all payments received by Lcnder undcr
<br /> ' � � paragraphs 1 and 2 shall be applied:first, to any prepayment charges due under the Note; second,to amounts payable under
<br /> . ' , pnragraph 2;third,to interest due;fourth,to principal due:and last,to any late charges due under the Note.
<br /> , • 4. Chnrges; Lfens. Borrowcr shall pay all taxes, asscssments,chargcs,fines and impositions attributable to �he
<br /> , „ Praperty which may attain priority over this Security Insuvment,and leaschold �ayments ar ground ren4s,if any_ Bo[rower
<br /> shall pay these obligations in the manner provided in paragraph 2,or if not paid in tt�at manner. Borrowcr shull pay them on
<br /> ' time directly to the person owed payment. Bomo�ver shall promptly furnish to Lender all noaces of amounts to be paid under
<br /> _ this paragraph. If Borrower makes these payrraenu dircctly. Borrower shaU promptly fumisb to Lender receipts evidencing
<br /> the payments.
<br /> Borco�ver shall promptly dischar�e any lien which has priority over this Securiry Instevment unless Borrower:(a)agrees
<br /> • in wripn�to the payment of the obligapon secured by the lien in a manner acceptable to Lender;(b)contests in good faith thc
<br /> ,"1� -- lien by,or defends aguinst enfarcement of the lien in,legal proceedings which in the Lender's opinion operate ro prevent Uie
<br /> —=°?' �.
<br /> enforcement of the lien:or(c)secuces from the holder of thc iien an ag�eement satisfactory to Lender subordinating the➢ien
<br /> �;�; to this Securiry Inswment. If Lender determines that any part of the Properry is subject to a lien which may attain priority
<br /> - "• over tlus 5ecurity Instrument,Lender rnay give Borrowcr a notice identifying the lien. Borrower shall satisfy the lien or take
<br /> i��'�� • a�e or more of the actions set fonh abo�•e �vithin 10 days af che giving of notice.
<br /> � 5. Hnzard or Property Insurance. Borrower sh:ill kecp the imQrovements now existing on c�reafter erected un thc
<br /> ' " Property insuaed against loss by fire,hazards included within the temi "extended covcrage"and any other hazards,including
<br /> ;• floods ar(looding,for which Lender mquires insurance. This insurance shall be maintained in th: amounls and for ihe
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