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<br /> � 'il'OOETHEk WITH�ll thc iit�pruvements now un c�rcaftcr crcctcd c�n ehc prop�rty,�nd r�ll cnsementc,�nn��rt�n,����. �
<br /> � - nnd fixtures now or hereafter�part of the praperty. All replacements and ndditions shall also be covered by this Security
<br /> ---��1� Insuument. Ali af the foregoing is refermd to in this Security Instrumcnt as ihc"Property." ° /__=
<br /> _ ��'':+ BORROWER COVENANTS that Horrower is lawfully seised of the cstatc hereby eanvcyed und has the ri�ht to grant Q_
<br />-_ �__-,,�,,:.�. und convcy the Property and that the Progerty is uncncumbcred,except for encumbrances of rccord. Borco�vcr warrants and ,�:
<br />-:-��.��:,�,.-. will defend generally the tide to the Prupeny usaiast all cluims and demnnds,subject m any encumbrunces of record. „ ,,_
<br /> °" '�"}''� �� THIS SECt1RITY INSTRUMENT combines uniform covenunts for n3tional use and non-uniform covenants with =
<br />_ ,�'.. 4 : limited vadations by jurisdictian to constitute a unlform securiry instrument coverin�real property, K-,_
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<br /> - •�.,t<•:� �� UNIFI�RM COVENANTS. Sortowcr and Lsncler cavenant and z�groe as follnws: �• .
<br /> �` �+���:.. �,. 1. Nnyment of Pt�lnd�al and Intere5t;Pitipaynicnt nnd Lnt�Clnt�rEt�. Borrower shall promptly pny when due the :. ��?: .��
<br /> _;,,:.�,�;,��,..,a , , . , �}
<br /> _ ,,� ,,., . ,. principal of and interest on the debt cvidenced by the Nots and any prepayincnt ttnd lute charges due undcr tha Notc.
<br /> =-` "�'a'-��� • 2. �nds for'l�xe�nnd Insurance. Subjoct to applic.�161e lnw or to a wrinen waiver by Lender,Dorrower shall pay to .; -�;�, „'''�`�
<br /> "`ffM'��. % Lender on the day �nonthly paymcnta are due under the Note,unGl the Not�is puid in fuil,a sum("Funds")for:(a)ycarly • . •
<br /> �rc.%�er; � f ` .� ����
<br /> ��_^s;3r�� taxes and assessments which muy attain priority over this Security Instrurnen[as a lien on the Property;(b)ycarly Ieasehold � � ,�� ,_ ,_
<br /> ��'"� '�`= a ments or rouncl rents on the Pro ert if an (c) yearl huzard or property insurance premiums; (d) yearlp fluod ' `� '
<br /> ��o�.r P Y 6' P Y• 9' Y ._.
<br /> ,T�,,�-''.: insurance premiums, if any: (e)yesuly mortgage insurnnce premiums, if any; and (� any sums payable by Borro�ver to '�� ,�4' :'r' �":,s
<br />-`r""'•� Lender,in accordance with the provisions uf paragraph 8,in lieu of the payment of mortgage insurunce premiums. These '�� .•�. r<��• %:�=_
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<br /> �:�,�_�; ,' items are called"Escrow Items:' Lcnder may,at any time,collect and hold Funds in an umount not to excecd thc maximum °;.�•:.,-<�,,� �",��tN;
<br />--,�'�=ry;r^r`r�' amount a lender for u federaIlly relaced mortgage loan muy require for Borrower's escrow accaunt under the federal Rcal 1. ,,,` ----_'__
<br /> �` � F.statc Settlement Proccdures Act ot'1974 as amended from timc to time, 12 U.S.C. §2601 et se ("RESPA"),unless anothcr `�`,,:.'���`�=-_
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<br />`;��. law that upplies to the Funds sets u lesser amount. If so,Lender may,at any time,collect and hold Funds in an amount not to �i,�������._
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<br />�_,,���y�� exceed ihe lesser amount. Lender may estimnte the amount of Funds due on the basis of current data and reasonable � , ,�����._
<br /> estimates o f expen ditures o f fu ture Escrnw I tems or otherwise in acwrdance with applicable luw. `����1�'�_ _ _
<br />���� "g-�"� 4 Thc Flmds shall bc held in an instituqon whose deposits ure insu�red by a fedcr�l agency, instrumentaltty, or entity ?.,�r,q�:-�
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<br /> `�-�•''•`�'��' (including Lender,if I..ender is such an institudon)or in any k�ederal Home Loan Bank. Lender shall a 1 the Funds to a •.��.,�•
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<br /> •�F q' the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow ,:��_,,,�;±�� -�—_—
<br /> �,5,,,, ;M a:.ccun;,ar rerifyi^g »h� Es�;�w t��.r,�, �,.,i��c t.ender pays Borrower interest on the Funds and applicable law permiGS r a �� __
<br /> _�..,�.�� ' Lender ro make such a charge. However, Lender ma re uim Borrower to pay a one-time charge for an indr.pendent reai
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<br /> ��`: '• �4'� estate taz reporting service usr,d by Lender in connection with this loan,unless applicable iaw provides othenvise. Unless nn ? :,,.,-
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<br /> . ,�-�+ agreement i s m�d e o r app l i c a b l e l a�v rec�u i n:s i n t e r e s t t o b e p tt i d,L e nder shall not be re quircd to pay Bortower any interest or �*'
<br /> `' � + ' earnings on the Funds. Borro�ver nnd Lender may agree in writing,howevcr.that interest shall bc paid on the Funds. Lcnder � `s)� ��
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<br /> '•��,�;i�, � ���;- shall give to sorco�ver, witliout chacge,an annual accounting of the Funds,sho�ving credits and debits to the F�nds and the �•
<br />-.-''��"����•�"�' purpose tor which each debit to the Funds was made. The Funds are pledged as additionul security for all sums secured by r':
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<br /> -,;,�;��,,,,,,�•,, this Security Instrument.
<br /> _..-�=:�'"'i!�`�.' !f the Funds held by Lender exceed the antounts permitted to be held by applicable law. Lender shall account to •
<br /> -_-K"'`'��4 Borm�ver for the excess Funds in accordance with the reyuirements of applicuble la�v. [f the amount of the F'unds held by ���
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<br />:;;*;,-;�yj',f�" Lend�r nt any timc is not sufficient to pay thc Escrow items when duc, Lendcr may so notify Borrower in wripng.�snd,in �
<br />::;��;��:;��„�y«�, such case Borrower shall pay to Lender die.amount necesti3ry tu make up the deficicncy. Borrower shr11 make up the - -
<br />__�,.;..,;,,���:rj deficiency in no more than twelve rnonthly payments,at Lender e sole discretion.
<br />- �.' r, s Upon paym�nt in full of all �ums secured by this Securiry Instrument.Lender shall prompdy rcfund to Horrower any �
<br /> !M1�`�' '-`�' Funds hcld by Lcndcr. If,under paragrnph 21,Lender chall ncyuirc or sell the Property,Lendcr. prior to the acquisidan or -
<br /> _ ., .. �_,
<br /> ,�,��•`r� sale of the Properry, shall apply any Funds held by Lender at the time of acquisition or sale �.s a credit against the sums ' ��-
<br /> ,, � � securedby this Security Instrument. � �_ �.._.___,
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<br /> r��4��_� 3. Applicutton of Payments, lJnl�ss applicable l:tw provides otherwise, all payments received by Lender under ,�;;�:5t„�,��-
<br /> ;;.��d.-;•�: parngraphs I and 2 shall be applied:first,to any ptepayment charges due under the Note;second,to amounts paynble under n�;a=�_�_`-
<br /> ' � � parngraph 2;third,to interest due;fourth,to pnncip:il duc;and lust,to any Inte chnrbcs duc under the Note. �,f ,
<br /> �7 5���
<br /> � 4. Charges; Ltens. Borrowcr shall pay ull taxcs, asscssme�iGS, charges, �nes and imposiuons attribuwble to the "' -
<br />„-.�- .�:��� Property which mny attain priority ovcr this Securiry Inswmcnt,and leaschold payments or ground renLs,if any. Borrower � �
<br /> _� - shnU pay thcse obligauons in thc manner provided in par�graph 2,or if not puid in that manner,Borrower shr.11 pav thcm on ��•�9
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<br /> `�r. � timc directl to thc crson owed a ment. Borcowcr shiill rom tl fumish to Lender all notices of amounts to bc aid under
<br />-:,,.�.y���y , i` .� :....s.-u�n•=,e
<br />_ .,�,;,�;,,,,,,,,� • this para�raph. If Borrower makes these p�yments di�ectly, Borrower shaU promptly fumish to Lender receipts evidencing :•�;�.,,,�r,�ti.ty�;�z
<br /> �;.:;, ,.. v thc payments. `���r�t ai:� "'•"
<br /> "r�,`���'`�% Borrower shall promptly discharge any licn which has priority over this Securiry Instrument unless Borrower:(n)agrees ;. '' '�B�'; .
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<br />- .:;'�,:_,"': in�vriting to the payment of the obligation secured by the lien m a manr.er acceptable to Lender:(b)contests in good fuith the _ ,_ „ .
<br /> - =�� licn by,or defends against cnforcernent of thc lien in,legal procecdings which in the Lender 5 opinion operate to prevent thc
<br /> _ ;;•'"•;•'��,:��• enforcement of the licn;or(c)secures from the holder of the lien un agreement satisfactory to Lender subordinadng die lien
<br />"'+�� � ••�^`"� to this Security Jnstrument. If L.ender determines that 3ny pnrt of the Property is subjcct to a licn wt�ich may uttain priority . •
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<br /> , �F, over this Security Instrument.Lcnder may give Borrower a noticc identifyins thc lien. Borrower shall satisfy the lien or talce
<br /> �=``-F'"`���� one or more of the acaons set forth abc�ve within 10 days of the giving of notice. • .
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<br />_�r'�:.::. _s.�yy�� 5. Nazarai or Property Lisurance. Borrower shall keep the improvcments now existing on c�reaftcr ercctcd on die ,
<br />�%'4'�i4;�' . , Property insured against loss by fire,ha-rards included within the term"extended covernge" and nny othcr hacards,including
<br /> �r.'°i'��..:_ �
<br /> x�,�ir��� floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the
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