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<br /> 96° �.0`74.�'� �=
<br /> TOOETHER Wl'TH 111 thc improvements now on c�reafter erected on thc prapeny.ai�l►dl cascnients, uppuncnunces. und
<br /> fixtures now or hereafter a part of the property. All replucements and additions shall ulso be covered by this Security
<br /> Instniment. All of the foregoinR is refcrred to in this 5ecurity lnstrumcnt as the"Property•"
<br /> BORRQWBIt CQVENANTS that Borrower is luwfully scised of thc cstate hereby conveyctl and hus tiie ri�ht to hr�uit nnd �
<br /> convey thc Property and that the Pr�perty is unencumbered, exccpt fnr encumbri�ttc�s of record. Borrowcr warrmns and wi��
<br /> defend�enerally che title to the Property aguinst all claims and demands, subject to any encumbrances of record.
<br /> THIS 3ECURITY INSTRUMENT combines uniform covenants far nntianal uss and non-w�iform covcnartts�viti�limited
<br /> variations by jurisdiction to constitute a uttiform secarity instrument covering real propercy. —
<br /> iJNIFORM COVENANTS. Borrowcr and Lender�ent and LaterClsarg�s�Borrower shall promptly pay when due the i
<br /> 1. Payment at' Principal and Interest; grelwY re a ment and latc charges due under the Note.
<br /> principal of and interest on the debt evidenced by the Note and any p p Y
<br /> Z. Funds[or Taxes snd Insurance. Subject to applicable law or to a written waiver by Lender,Bono�ver sh�rlPiaxes
<br /> L,ender on the day ma���15'Payments are due under the NotP,until the Note is paid in fidl,a�.+�u y'("Fune�`)��scho d paymcnts
<br /> and ussessments wliicTn may attain priority ave�r thihS�'oty Y�st►vrt ein uran'ce p em umsr(d)yea ly,flood insurancc premiums,
<br /> or ground rents on the Property.if any;(c)y y P Pe Y
<br /> if any: (e)yearly rnortga�e insurance premiums, if any;and(f?any sums payuble by Borrower to Lender. in accordancc with
<br /> the provisionti of paragraph 8,in lieu of the puyment of mortgage insurance pmmiums.Thc;c items are called"E.'scro�v Items."
<br /> I..ender may, ut any time, callect and hold Funds in an amount not to exceed the maximum amount a Icnder for a fedcrally
<br /> related mongAge loan may require for Borrower's escrow account under the federal Rcul Eslilte Settlement Procedures Aci af
<br /> 1974 as 2:nended from time to time, 12 U.S.C. Section 2601 et seg. ("RESPA"),unless aiwther law that applies to tiie Funds
<br />- sets a lescer amount. If so, Lender may, at any time, collect �nd hold Funds in an amount not to exceed the lesser omount.
<br /> L,ender m�y estimate the nmaunt of Fnnds due on the basis o�ci�kTent data and re��►sonable estimates of expenditurcs of future
<br /> Escrow Items or ot'aenvise in accordance with applicable law.
<br />- The Funds s'ha41 be held in an institution wbose deposits are insured by n federal agency, instnimcntaliry. or entity
<br /> (includ?�'I.end�`ld.:r may nat charge Borrower fo rhulding d apply ng th1e Fu dsn annua�llyranalyzing the escrow acco n[or
<br />- E�ca�,.
<br /> ...}g���uhe F.�cra�v Items, unless Lender pays Borrower interest on the Funds und applicfl�le law perniits ixudcr to make�u�
<br /> °--- a SttIC.R2 rn! �crate tn�c repnRinR service
<br /> a charge. However. Q..ender may require Borrowes to pay a one-time cnargc��� ��n��
<br /> used �y Lender in connection with this loan, t:niess applicable law provides otherwise. Unless an agreement is mnda or
<br /> , applicable law requires interest to be puid,Lendcr shall not be required to pay Bonovrer any interest or eArnings on the Funds.
<br /> Borrower and Lender may agrec in writing.however,that interest shall be paid on thc Fund�. l.ender shall give to Borrower.
<br /> without charge. an annunl accounting of the Funds, showin� credits and debits to the Funds and che purpose for which e�'tch
<br /> debit to the Funds was rtwde.The Funds are pledged as udditional security for all sums secured by this Security instrument.
<br /> If the Funds held by l.ender exceed the amounts permitted to be held �y applicabte law, I.ender shn11 account to Borrow_r
<br /> for the cxccss Funds in accardance with the requirement�,of applicable lav►• 1f the amount of the Funds held by L�ender at any
<br /> time is not sutficierit to pay the Escrow Items when due, Lender may so notify Borrower in wriiing. :u�d. �n such case Borrower
<br /> -. Shal� p;,y to Lender the amount necessary to make up the deficiency. Bonower shall mnke up the deficiency in no more than
<br /> twelve monthly payments. at Lendee's so]e discretion.
<br /> Upor+ payment in full of all sums secur�cl by this Sccurity Instrument, Lender shall promptly refund w Borrowcr any
<br /> �uhe Prod�y I shal�alf,,unaner Farads held b� L.ender tathe cQme of ac�utisiti n op sale as a crcdt a�inst thec umstsecurod bc
<br /> of pertY Pp Y Y
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<br /> this Serurity Instrutnent.
<br /> 3.Applicatlon of Payments.Unless applicable law provides otl►erwise.al!payments received by Lender uncle��nai'aE�A �
<br /> _ ( ancf 2 shall be applied: first,to any prepayment charges due under the Note; second.to amounte pnyfl�le under paragraPh 2:
<br /> third.to interest due;fourth.to principal due;flnd last,to any late charges due under the Note.
<br /> 4.Charges; Lten9• BorTOwer shall pay alZ taxes.assessments, churges, fines and impositions attributable to the Property
<br /> which may attuin prioriry over this Securiry Instntment. and leasehold payments or�rc�und rents. if uny.Borrowcr shnll pay
<br /> th�se obligations in the manner pravidod in paragraph 2.or if not paid in that manner,B�rrower shall pay them on time directly
<br /> to the prrson awed payment. Bonower sh�ll promptly furnish to Lcnder all notices of amounts to be paid under this paragraph.
<br /> If Bonowcr makes these payments directly.Bc,:rower shall promptly fumish to Lender receipts evideixing the payments.
<br /> Borrower shail promptly discharge any lien which has p�ioriry over this Securih�Instrument unless Bomower: (a)agrees in
<br /> ' wri,i•.r�,g to the payment of'the ob!l�gaeion secured by the lien in a m:+nner acceptable to[.ender;(b)oontests in goad faith the lien
<br /> :.� by, or defends against enfarcernent of the lien in, legal proceedings which in the i.ender's opinion operate to prevent q�e
<br /> � enforcement of d1e lien: or(c)secures from r.he holder of the lien an a�reement satisfactory to Lender subordinating the lien to
<br /> J this Security Instrt�ment. If Lender detemunes that any part of thc Property is subject to a lien which may attain priority over
<br /> - this Security Instrumcnt, Lender may give�orrower a notice identifying the lien. Borrowcr shall satisfy the licn or take one oe
<br /> = inore of tfie actions set forth abo�•e within 10 day�uf the giving of notice. Pen„3028 9190
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