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<br /> �gT}i�g�VITH all the improvements now or hereafter e�d un the property.and a11 easements.aPpurcenance.+.aad -
<br /> - �C� na�: o: .'�re�ftes a �art of the gmgert;. Al� rpplaoements nr.d zdditions shall also be oov�red by this Ser,u�ity ��,,
<br /> � Instcume�.All of ihe foiegoing is referred to in tFris Security Instrumeat as Rh�"Property.' �'_
<br /> , BORROW�R COVENANTS that Borrower is lativfully seised of the estat�hereby comreyed and has the right to grant and �_
<br />. �` oanvey the Progerty and that the Progerty is unemcumberod.eitcept for encumbrnnces of record. Borrower warrants and will =�
<br /> defend geneialIy the title m the Froperty against all claims and demands.subject to any ena�mbrances of ceoord. — _
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<br /> ' ztIIS SEC[TRT�'Y 1PfSTRU1+�Eh`T wmSsia,.°S unifomm�oveaants for national use aad aon-unifarm oovena�tts with timited _
<br /> :.� variations by jurisdiction ta conseiNte a uniform security instn�ment ooveriag real property. �._�_
<br /> ' UN�ORM CO`lENANTS.flbrtower and Lender covenant and agme as fo9lows: �.
<br /> .-1 1. Fuymeat of Priaci�a!and Yntes�st; Pe+epaYment an� Laie Ch�.�es. Bamower sltall pmmpdy pay when due the �
<br /> <�F`:� principal of and interest on the debt evidenced by t�e Note a�d anY F�Y���c��due undec the Note. �:
<br /> 2. Funds for Tax�and Iasuta�e.Subje�t to applicable law or to a written waiver by Iznder. Borrower shall pay to �,-_,
<br /> � Leader on the day montlily payments are due under the l�tote.imtit the Plote is paid in fuU.a sum("Fun�s")for:(a)yearly taxes C�:,
<br /> . �nd asses�nents which may attain priority over tFus Secarity Instrument as a lien on the Property;(b)yeariY leasehold paymenis �
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<br /> or graund renis on the Property.if any:(c)Year1Y ha�ard or property insurance premiums;(d)Yearty flood insurauce premit�s,
<br /> if any:(e)Yeariy mortg,age insutance premiums. if any;and(�ar►Y sums PaYabje by Borrower to Lxnder.in accordance with ��
<br /> ` the pmvisions of paragraph 8,in G�af the payment of mortgage insurance premiums.T6ae items are called°Escrow Items." [e_
<br /> L.ender may,at any cime, coltect and hold Funds in an amaunt not w exceed the waximum amount a lender for a federally � _
<br /> •' ' •� relate�mort e loan raa for Borrower's escrow accannt�nder t6e federal Real Fstate Settlement Procednres Act of
<br /> P�g Y�N� �,
<br /> . ' 1974 as amended it+nm tIme w time, 12 U.S.C. Section 2641 et seq. ("RFSPA").antess another law that applies to the Funds �._
<br /> �•'` sets a lesser amoemt. if so, 3.ender msy, at a�►Y time• co�leCt'and hotd Fu�ds in an amaunt aoi to exreed the Iesser amonnt.
<br /> Ler.der may estim3te the amonnt of Funds due on the basis nf corrent data and reasonable estinmtes of expeadituies of firture ��•
<br /> Fscrow Items o:atherwise in accordance witb applicable law. .
<br /> • • The Funds shall be hetd in an insiitution whnss deposies are insured by a f� agency. i�'-�sunmentality, or entixy .�,
<br /> . (inctuding Lender.if Leuder is such an institation}or in any Fedeaal Home Lvan Bank.fuafrc�r sh�appiy the Funds to pay the �`-
<br /> . Fscrow Items.Leader may not charge Borrower£c�r holding and applying the F�s,a�:�7Y anal}'�g the escro�v acconnt,or �;
<br /> verifying the E.scrow Items.unless I.ender pays Ifba.-rower interest on the Fnnds and applicable law p�r.�'ss Lendsr to make sucb F
<br /> I�� a charge.However,Lender may reqaire BorroRZC to pay a one-time charge for an indeper,dent real�t�tax rzporting service
<br /> - • usYd by Lender in connection with this loan, unless appli�sble law provides otheravise. Unless an agreement is made or
<br /> � applicatole law requires interest to be paid,Lender shal�not�e required to pay Borrower any interest or earaings ac the Funds. �-
<br /> � Bonower and Lender may agree in writing,however,that interest shall be paid on the Funds. Lender shall giv$�eo�arrower, ``-
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<br /> �RthOttt rharae,an�..�tial accounring of the Funds. showing credits and debits to the Funds and the�uspose fw. which each
<br /> dehit to the Funds�made•'Fhc Funds are pledged as additional security�er all sums secured by t�is 7r�asiry inst�meni.
<br /> ,• If t'�e Fnnds��T�by Lender exceed the amounta Permitted w be beld iry applicabte Iaw, Lender s:�:i accou*t rt��orrower _
<br /> for the excess Funds in accord��c°.with the requirements of aFplicable lacv.If the amo.sc�a�f the Fun.�s hetd by�der at any
<br /> time is nat sufficie:���pay tlte�scro�v Items w�aen due,Lender may so na�y Sorrower in�rriting,�,in suc6 case Borrawer __
<br /> � _� shall pay to LRnder the amount necessary to�aPs'•up the deficiency. Bvv�^�wer sball make up the d..-s�.�izncy in no more than
<br /> a ments,at I.ender's sote discrerion. r
<br /> twelve monttily p y
<br /> ' � Upon payment in full of afl sums secured by this Security Instrument, Lender shall promptiy refund to Borrower any _.
<br /> Funds held by.Lender.If.under paragraph 21.Lender shall acquire or se11 the Property.Lender,prios to the acquisition or sale
<br /> . of the Property..shall apply any F�ands held by Lender at the dme of arquisiGon or sale as a c�ed'it agaIast the sums secured by ; __
<br /> this Security Insm�ment.
<br /> 3.Applicatton of Payments.Unless applicable law provides otheryvise,ali payments teceived by Lender under paragraphs _
<br />-. .— 1 and 2 sha116e applied:first.to any prepayment charges due under the Note: seoond,to amaunts payable under paragraph 2;
<br /> third,to interest due;fourth.to principal due;and last,to any late charges dae under the Note.
<br /> � . 4.C�arges;Lteas.Boaower shalt pay all taxes,assessmenu, charges.fines anQ`,�"�p°Sitions auributable to the Property
<br /> - -� . which may apain priority aver this S�uaiiy Iusttai;�eiit.�i teaszhoid yaymenis ar�^�Jn�rents, if any.Borrower shaU pay
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<br /> � these obligadons in the manner provided in p:.,�;�aph Z.or if not paid in Pl,��mant��t,I�:rrower sha:I pay them on time directly =
<br /> � . to the pesson owed payment.Bortower shap promptly fum:s'�¢o Lender aS�r.otiaes of;:staunts to 6e paid ander tUis panigraph.
<br /> � Yf�orrower makes ttt�ese paym�s directly,Borrower shall promptly fiunish to Lender T,�czipts c.widencing the payr�net�T.s.
<br /> Bonower shal!prompt{y discharge ttny lien wiuch has priority over this Security II�s.:ument unless Borrower.F;i�y.8grees in _
<br /> � writing to the payment of the obligation secured by the lien in a manner accr,ptable to ix:der:(b)contests in good ta,ith the lien =
<br /> • • by. os defends against enforcement of tfie lien in. legal proceedings w�3ch in the�.ender's opinion opetate to prevent the
<br /> enfc�'�c�ntent af the lien;or(c)secures from the holder of the lien an ag..�enz satisfac*nry W Lender subordinating the lien ta �`
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<br /> • t1u5�S.'urity Instrument.If Le:�3er detcrmines that any part of the Propercy is su6;e�a:�a lien which may attain Frioriry pver
<br /> . � ' this�:eurity Instrument,Lend��:nay give Barrower a notice identifying the lien.Borrower shall satisfy the lien or take one oi
<br /> . more of the actions set forth above within 10 d:.ys of the gjving of notice. '
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