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<br /> -- - TOCiEI'HER WITH�II the improvcmcnl�now or hercafter ereckd on the property.and all aascmen�s.pppunenance�,
<br /> uid fiature�now or hereafter�p�rt of the propeny. AN rcpl�cemeMo ond additior��slwll�lco bo coveral by lhis Security
<br /> _• Incpument. All of the forcgoin�ia referned to in thia Secud�y instrument nr�ha"Piropeny."
<br /> BORROWER COVENANTS lhat Borrower is lawfully �cicM aP Ihe e�lale hercby conveyed and hue�he right to grant
<br /> — _= uK!canvey thcp�,perty and�hat thc Propcny is uncncumbercd,cacept for anrumbmnces of r+uard. Borrawer warrantr w�d
<br /> - will dePend gener�liy Ihe dtk!o ihe Property�afnrt dl clalmr�nd dertwnda.�ubject to any encumbrancee of record.
<br /> THIS SECURITY INSTRUMBNT cc�mbinew unifurm covenantx for nellonal use ond non-unifam covenants wlth
<br /> _�o.'----- - - �
<br /> ��� limited varlatlona by jurisdiction to comUlute p unifutm cocurity iastrument coverinR reAl PropertY• -
<br /> UNIFORM COVBNANTS. Borrower and Lender covenant nnd agrce es follows:
<br /> - ----- 1. P�ymeat ot Princip�l and Inlere�ti P�'ep�ymeat aad l.pte CharQea. Borrower ahall promptly pay whcn due the
<br /> princlpa�of and interest on the debt evidrnced by the Noto utd any prepAymem and Ipte charges due under the Note.
<br /> Z. Fl�ndx for 7Lzes amf Inw�raaca SubJxt to Applicubla law or to n written waiver by Lender,Borrower sholl pay to
<br /> �o■�.v�v�� Lender an the day monthly paymerns arc due under�he Note,until the Note ie paid in full,u sum("FUnds")for:(u)yearly
<br /> -- - - teues and assessmenta which may wtiain priority over thia Security Instniment us a lien on�he Property;(b)yeerly leasehold _
<br /> -�--•-�� payments or ground rents on the Property, If any;(c) yenrly hazerd or property insurance premiums; (d) yearly flood -
<br /> --;���'''�� insuronce premiums. if any; (e)yeuly mungugo insurance premiums,if any; and (� uny sums �ayable by Borrower to
<br /> -°�-� L.ender.in accordancc with thc provisiona of paragrnph 8,in lieu of thepuyment of mortgage inaurance premiums. These
<br /> �� �' items aro called"Fscrow i�erns," Lender may,at any tlme,collect sinnd hold Pbnds in an amount not to exceed the maximum
<br /> - -"--- amount a lender Por a federally related moAgage loarr mey require for Borrowerk ercrow account under the federel Real
<br /> Eswte Senlement Procedurcs Act of 1974 as omended from t�me ta dme.12 U.S.C.$260 t et seq.("RESPA").unless another
<br /> ----'���� law that applies to the IPunds sets a lesser amount. If so.Lcndcr may.at any time.coUe�t and hold Funds in an amount not to
<br /> " ------- --- eaceed the Icsser amuunt. Lender may esUmate �he amount of Funds duo on the basis of cument data and reasunable -
<br /> ""— ;r.�.,.'�.�;'::>.• ecdirwtes of eapenditures of futu�F.scrow Items or aherwlse fn accordance with applicable law.
<br /> _._,;��-�..--.'��.?: .•'�°.:�Fw•�' The Punds shall be held in an instituuon whase deposits are insured by a federal agency, inspumentaliry,or entity
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<br /> r�; � (including L.ender.if l.ender is such an insNwtion)or in any Federe!Homc l.oan Bank. I.ender shall apply t c s to pay _
<br /> '"'�':���`'•N'• the Escrow Items. Lender may not charge Borrower for holding end applying�he Plmds, annually analyzing the escrow
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<br /> ,• , �� � ,,:�� account,or verifying the Escrow Items, unless Lender pays Borrower interest on the fi�nds and applicable law permils __
<br />`.;.-`i ''<�;;�r,�-; .;,;n. '���: Lender to make such a chuge. However, l.ender may require Borrower to pay a one-time charge for en independent renl _
<br /> - .�?��,�;;{�.���,;�;: estate tau reporting service used by Lender in connecdon with this loan,unless applicable law provides otherwise. Uniess an
<br /> i,5'^ti�.���:�•^'.,.,.;.., agreement 1s meAe or epplicable law requires interest to be paid,Leader shall not be required to pay Borrower eny interest or
<br /> r"�?�:;'` �}'";�°�:*- .'• eamings on the Funds. Borrower and Lender may agree in writing.however.that intcrest shall be paid on the Funds. Lender
<br /> �-� i{i•"�,'�"' '� '; shall giv6 to Bomower.without charge,en annuel accounting of the Fl�nds.showing a+edi�s and debits to the Funds and the _
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<br /> _ ��,1 -;, '��;:�." � purpose for which each debit to U►e Funda was made. The Funds a�e pledged as addidonal secudry for all sums secured by
<br />__._ -_ ----- ... -��'-�+� Ihis Sc:coriry insuument. --
<br /> � '�j ' �{ If tha FLnds held by l.ender ezceed ihe amounts perm�tted to be heid by applicable iaw. Lender shall accouni iu
<br /> :::�T��`°ji`�-�' :;;.._' ? Borrower for the excess FLnds in uccordance wilh the requiremems of applicable law. If the amount of the Funds held by
<br /> ' Lender at an y time is not sufficicnt to pay the Escrow Itema when due,l.ender may so notify Bortower in writing,and,in
<br /> ����: �' ;�,� t�:�.. such case Borrower shall pay to I.ender the umoum necessary tu moke up the deficiency. Borrower shall make up the
<br />- '•-a�•� ��r ,+ deticiency in no more than twelve monthly paymentg,at l.ender i+s;ole dir,cretian.
<br /> p;' • • �' Upon payment in full of all sumx scrured by thia Securlty Instrument,Lendcr�hall prompqy refund to Borrower uny
<br /> - <�`�1`ij -•• ��• . Funds held by I.ender. If,under psuAg�aph 21.Lender shull ucyuire iir sell �he Property. Lender,prior to the acquisition or E
<br /> - ;;-.:• •-�.,. � sale of the Property.shpll apply any Funds held by Lendcr At thc time of xyuisUion or iale as a credit a�uinat th�sums
<br />�` .,�a'��'.:,•.,.�. recured by this Security Inswment.
<br /> - .�.. ;:,.•-. 3. Applkatlon ot P�ymenta Unlc�s upplicublc luw pruvfJrti uthcrwisc,ull paymcnts rcceived by L.endcr under
<br /> •. ,'�i/6Y'�5�'�' paregraphs 1 end 2 shull 6e applied:firxt,to any prepaymen�churgc::Juc under the Notc;sccond,to nmounts payuble wtdcr
<br /> - � "�'' � '�t. paragraph 2;third,to interest due;faurth,to principal due;and la.ct,�o uny late chsuges duc under the Note.
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<br /> �NF 4. Char�es; Liens Borrower ahall puy all tuxcs, nssc,�smcnts,charges,fines and impositions attribuwble to the
<br />"�'� �s},...•r> � Properry which may attain prioriry over�his Security Insuument.and leasehold payments or gmund rents,ff any. Borrower
<br />-. '�""��:` shall pay these obligations in the manner provided in paragmph 2,or if nnt paid in thnt munner,Bortower shall pay them on _
<br /> " � "°'��i dme direcdy to the person owed payment. Borrower sbull promptly fumish to Lender all naices of amounts to be paid under
<br /> . °•�""�•� � � thia paragraph. If Borrower makes�hese puyments directly, Bnrrower siwll prompUy furnish to Lender receipts evidencing
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<br />' the payments. -
<br /> ' ��� '� � ' Boirower shall promptly discharge any lien which has priority over this Security Instrument unless Bomower:(ay ugrees -
<br />• "�^�°'�- - -. in writing to the payment of the obligation secured by the lien in u monner ncceptable to l.ender,(b)contests in good faith the
<br /> - � �. lien by.or defends against enforcernent of the lien in,legal praceedings which in the Lender's opinion operate to prevent the
<br /> _��r"= _ , ,,; . � enforcement of the lien;or(c)secures fmm the holder of 1he lien an ugrcement satisfuctory to Lender subordinuting the lien
<br /> w;„'�" � to this Se�urlry InstrumenG lf I.end.r detertnines that pny part of the Property is subject to a lien which may attain prioriry
<br /> over this Security Inswment,Lender may give Borrower u notice identifying Ihe lien. Borrower shall satisfy the lien or take
<br /> " �? ,. . '"� one or mor+e of the acdons set fonh ubove widiin 10 duys of the giving of notice. -
<br /> „ • �is S. Ha�rd or Property laserance. Borrower shall kecp the improvements now existing or hereafter erected on the
<br /> • • � Prope�ty insured ugninst loss by�re,hnzards included wi�hin the tertn"eztrnded coverage"and any other hazards,including
<br /> '�r� tloods or floading. for which Lender requfres insuronce. This inaurance shall he mainlained in the amounts end for the
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