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<br /> __=-��.__.t�,�y,. . . . .. TCGBTNER WI'CH nll tlu improvemcnts now on c�rcafter crectad on the property, and all casemcnts,��ppuncnances,and .�...��
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<br />—""�=�''l"`-i'����'• fixtures nmv on c�rcaftcr a part of thc propc��ty. All rcnlnccmcnts und additinns sh�iU ulsn bc cuvcred hy this Sccurity
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<br /> ^" �'="'i""�' � � Instrumcnt.AU of thc furc�iiin�iti rcfcrrcd to in this Scrurit Instru�ucnt ns thc"Pro�crt ' -
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<br /> IiORROWGR COV6NANTS that Dorrotivcr is lawf�ully sciscd of thc cstatc hcrcby canvcyccl+md has thc riBht ta gnint and
<br /> """�`'=�"'�"�" convcy thc Nroperty and that thc Pro��crty is uncncu►nbcrcd, cxccpt for cncumbronccs of rccard. Bnrrowcr wurrcmis and will
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<br />—• .�_���=�u�1� deiend generallv the titte to the Propeny a�*uinst ali clnims und demanJs.subject tu uny encwnGrunc�.ui'r�cui�. . �:
<br /> ,�,�,�,�,,,,,.. � - 'I'HIS SECURITY (NSTRUM�NT��mbincs uniform covennntti for nutinn.il usc und non-uniform covenants with limiled • :_
<br /> _ "` ' k}�"��� vnriatioi�s by jurisdictirni to constiwte�uniform security inst�vment covering real property. '�
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<br /> �`�t;�r zs;;,,; f.- ..:,y.. UNf FORM COVGNANTS. Bott�nvcr.►nJ Lendcr covcnant and agrce us fol low:;:
<br /> �"_:'u�:�.�-'.+,.,,- ' ,. 1. EAnyment oP Ih•incipul nnd Interest; Yr�pay�nent nnd Late Chary;es. Borrowcr shull promptly pay whcn due the
<br /> �::��..;., .��:.
<br />_ -: .�s�.*+�a�� .�'� principal of and interest on the debt evidenced by the Note and any prepayment and late charges due undcr the Note.
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<br />__����;'�;�.��,,;;,. . . 2. Funds Por Tuxes nnd Insurnnce. Subjcct [o applicablc law or tc� u wriucn wxivcr by l.endcr, Bon•ower shull pa��to „ .
<br /> -�-=�'�''-= "�'�''•`"' Lcnder an thc day monthly payments arc due undcr the Note, until thc Mote is paid in full,a sum("Funds")for:(u)ycarly taxes �
<br /> i;-'�r;'���`�:�•:''� a�id asscssmcnts which may uttain priority over thir Sccuriry Ynstrument ac a licn un the Property;(b)yearly leaschold payments ' •;$y
<br /> �?:;r,:;?°.• � . �::: . � or ground rents on the Propeny,if uny; (c)ycarty ha•r.ird or property in�urancc prcmiums;(d) ycarly flood insurancc prcmiums. •t Z
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<br />-='���!��-��`..•��w if any; (e)yearly mortgage insun�nce premiums, if uny; und (� any sums payable by Horrower to [.ender, in accordance with �i,
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<br /> _.-:u .,��..i�.:�.:, . the provisions of paragraph 8, in li�u of'the payment nf mortgage insurance premiums.These item�;are called "Escraw Items." � • �
<br /> -�`^`s{ w��'"�' Lender may, ut any time, coUect and hold Funds in an amount not to exeeed the ma�cimum amount a lender for a federally � • . �K
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<br /> � " `""`� ` ' relatcd mongugc loan may require for Borrower's cscrow account undcr the fecieral Rcal Estate Scttlemcnt Procedures Act nf :�
<br />-=�'?'��:.�,�?-�� �� 1974 as amcnded t'ram timc[o time. 12 U.S.C. Sr.ction 2601 ct.rcy. ("RESPA"),unlcss another law that applies to the Funds ' :'"`q"'
<br /> • '' sets a Iesser amount. If so, Lender may, at any time, collcct and hold Fu►►ds in an atnount not to exceed the Iesser amount. �' '" �_
<br /> -�����r'�;':�r:�••� '� � l.ender may estimate the amount of Funds due on [he basis of current data and reasonable estimatcs of expenditures of future , --—
<br /> � � Escrow Items or othcn�isc in uccordancc with applicablc law. �. ��
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<br />,.,�_..� The Funds shall be held in an institution whosc deposits are insured by a f'edcral agency, instrumentality, or entity . . _��
<br />�,;:_�,;y; . . (includin�Lendcr. if L.cnder is such an institution)or in any Federal Homc L.oan Bank.Lcndcr shall apply the Funds to pay thc , � , +��
<br /> Escro�v Items. Lender may not charge Borrower for holding and applying the Funds, annually analycing the cscrow account,or ' r'�•,. l,:.
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<br /> � verifying the Escro�v[tems,unless Lender pay,Borrrnver interest on the Funds and applicublc law permits Lender to make such • �� "`y"-=
<br /> � , � a chargc. However, Lc:nder may rcquirc Borrowcr to pay a onc-timc chargc for an indcpendent rcal cstatc tax reporting servicc '�;'�
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<br /> _, :. _ �_ used by Lcnder in connection �vith this loan, unlcs� applicablc law provides a[henvisc. Unless an agrccment is mnde or • „�---
<br /> "'� •'' '° _ applicable law rcquires intcrest to bc paid, I.cndcr shall not be requircd to pay Bormwcr any intcrest or carnings on thc Funds_ _ -�
<br /> .. . Borrower and Lcndcr may agrcc in writing, ho�vever, that interest shaU bc paid an thc Funds. L.endcr shall givc to Borrowcr, �r
<br /> �� ; ". , � " without charge, an annual accounting of the Funds, �howin�cruiits and debits w the Funds and thc purpose for which each ��,
<br /> _- debit to tP�e Funds was made.The Funds are pleciged as additional securiry for a11 sums secured by this Security Instrument. �.. "s�
<br /> • ' If'the Funds held by l.ender cxcee;d thc amounts permittcd to be held b�-applicablc law. Lender shall account to Borrower t��
<br /> . . , for the excess Funds in acwrdance with the reyuirements of applicable law. If the amount of the Funds held hy Lender ut any � "�'`•' , .
<br /> ' , time is not suf�cient to pay the Escrow Items when Jue, Lender muy so notify Borrower in writing,and,in such case Borcower �� ;
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<br /> •�--��h��� shall pay to L.ender the amount necessary to make up the deficirncy. Barrou•er shatl make up the de�ciency in no more than h"'� t•1
<br />�``-='`��°'' '' ' ta�elvc monthly payments,at C,ender's sole discretion. '"�' ' •
<br /> ��''��'�����'�� Upon payment in full of all tiums sccureJ by this Security Instrument. Lcndcr shall prompUy refund to Borrower any '�`2. ,.'•
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<br /> � % ' ��� '` � Funds held by Lender. If, under paragraph 21. I..ender shall ucquire or sell thc ProFerty, Lendcr,prior to thc scquisition or salc �� ;��� ' ` '
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<br />---�=•=-�-•�� • - of thc Property,shaQ apply any Funds hcld by LcnJcr ut thc timc of arquisitiun or satc as a credit against thc sums sccurcd by "...,,�;: '„
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<br /> I`��'+ . L��lHaid�_
<br /> ,-�:� this Securiry Instrumcnt. .�•f:.�-,-•.
<br /> ��"�""°°`°•`•"' �� ' Pp Y pP p P Y Y P S P
<br /> '..,-�;r, . 3.A lfention of Pn ments. Unless a licable law rovides otherwise, all a ments rcceived b C.cnder under ara ra hs ' � � . ^�:�•�
<br /> " � 1 and 2 si�all be applied: first, to any prepayment charges duc under the Note; second,to amounts payable under paraeraph 2; Y�J�� i�
<br /> �i.�.i`, � = tltird,to interest due;fourth,to principal due:and last,to any late charges Jue under the Notc. ':i-
<br /> _ �. „ �.Cliurges; I.tens.Borrower shall pay all taxcs, assessments, charges, fines and impositions attributablc to the Property �• � 1 �
<br /> ' which may attain priority over this Security Instrumcnt, and lwsehold payments or ground rents, if any. I3orrower shall pay
<br />� '•;�'•. ,` these obli �tions in the manncr rovidcd in ars ra h 2, or if not aid in that manner. Borrowcr shull a them on time dircctl ,.
<br /> S� P P' S p P' P Y Y � I.
<br /> •°' . to ihc person owed payment. Borrower shall pmmptly furnish to Lender all notices of amounts to bc paid undcr this paragraph. " �w..,r•J�
<br /> ��� � • If Borrrnver makes thcsc paymentr dircrtly, Borro�ver shall promptly furnish to Lender rcccipts evidencing thc paymentti. ��'• - e• ���
<br /> a Borrower shall promptly dischar�e any lien�vhich has priority uvcr this Securiry Instrument unless Bi�rrower. (a)agrees in 2'�,,.
<br />'"�`. • ' �� writing tc�the payment of thc obligation securcd by thc licn in a manncr acccp�ablc to L.cnder, (b)rontcsts in good faith thc licn
<br /> by, or defends a�ainst enforcement of the lien in, Ic�;al pruceedings which in the Lender'� npinion uperute to prevent the ;.��'
<br /> � • '. enfrnrement of tlie licn: ur(c) secures fron►thc holdcr uf thc licn an agrcement satistactory to Lendcr subordinating thc licn tc� ; ;i ;
<br /> .;�.:�..
<br /> ' tl�is Securiry Instrument. If C.cnder determincs that any part of thc Propcny is tiubjcct to u lien w�h�ch tnay attain priority ovcr � _
<br />`�� . this Security Instn�ment, L.cnder may givc Borro�vcr a noticc idcntifying thc licn. Dorrowcr shall ;c�titify the lien ur iake unc«r � � �'
<br /> ' more of thc actions sct forth abovc within 10 days of thc giving of noticr. i� �'
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