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<br /> TOOB71�lER WITH qll�he impmvementa now or hercafler erxted on the property.atxi all eacementn.appurtenances.�nd
<br /> _ flaturcs now on c�rcaRer p patt of the property. Atl replacements and �ulditions sfwll �Ico be wverad by thi� Sccurlty
<br /> Gutrumsnt.All of 1he forcgofng is referred ta in thia Secu�ity Instrument as the "PrapertY.'
<br /> HORROWB[t COVENANT3 that Hocrower i�Iwwfully seisod of tho estatc hereby conveyod ond fws Iho ri�ht ro�rant and
<br /> convey the Property bnd that tha PropeRy ia unencumbered.escept for encumbrancec oi record,Borrower wAr�nts w►d wiU
<br /> deFetd generally tho tlde to the Pr�perty agoinst all cl�itns und detnandc.Rubject to any encumbran�xs of rernrd.
<br /> -- — -- THIS SECURITY INSTRUMENT wRbines uniform covenentx for nAtionW use�nd oan-unlform covenrnte with limlted
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<br /> vulqtiona by Juricdiction to consticutc a uniform socudty inatrumcnt cavering real property.
<br />-'.,. __—�--�y ___-� UNIFORM COVBNANTS.Borrawer and L.ender covenant and agree ns O OWB:
<br />_- 1. Pwymeat ot I'rincl�wl nnd Intee�st; Prep�yment pnd l.wte Clwrgea. Borrowcr shall prampdy pay when dua the� `
<br /> -- principal of and interest un the debt evidenoed by the Note and any prepayment and late chorges due under the Note.
<br /> ------ 2.Fundc for Twxes And Iosurnnce. Subject to applicable law or ta a w�itten waiver by Lender, Borrower shall pay to
<br /> Lender on the day monthly payments are due under tAe Note,until thc Note is paid in fldl,a sum('Funds")for:(a)yearly la�ces
<br /> � and assessmenta which may attain prlodry over this Socurity Instrument as a lien on the Property;(b) yearly leasehold payments
<br /> -�_� or ground renta on the Property,if any;(c)yearly haTard or property insurance prcmiums;(d)yearly flood insurance premiums. _
<br /> ----== -- if any:(e)yearly mortgage insurance premiums. if any;and(�eny suma payable by Borrower to Lender,in accordance with
<br /> ,_„T ---a� the provisians of paragrnph 8.in lieu of the payment uf mortgage insurance premiums. Thesc items aro called "Escrow Itemx."
<br /> -_--_�"�'!�� Lender may, at any time, collect and hold Funds in an emount not to exceed the maximum amount a lender for s► federally
<br /> related mortguge loan may require for Borrower's escrow account under the fc�eernl Real Estate Settlement Pracedures Acl of
<br /> -- � 1974 as amended from time to timt. !2 U.S.�'. Si�rti�n 2(ifll r�seg. ("RBSPA"), unless another law lhat np�+liec M thr Fon�is
<br /> _ ------ sets a leaser amount. If so. l.ender may, at any time, collect and hold Funds in an amount not to ezcexd the lesser amount.
<br /> ---- ----=-� Lcndcr muy estimsttc thc amount of Funds due on the Basis of current data and reaeonable e�timotes of expenditures of futurc _,
<br /> �"'.jl'�'�'•��.-�'� W•• 1�7V�O��I¢ems or otherwise in accardance with applicabte law.
<br /> �'`��� The Funds shall be hald in an institution whose deposits are insumd by a federal agency, instrumentality, or entity
<br /> �� "" (including I.ender, if Lender is such an institutlon)or in any Federal Home l.oan Bank. I.ender sh�ll apply the Funds to pay the -.
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<br /> ,�,�- ..r� 4r.,- Escrow ltems. Lender mey not cfiargc Borrower for holding and applying the Funds,snnually analyzing the escrow account,or
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<br /> _ „�.., _::,•..,�..• verifying the Bscrow Items,unless l.ender pays Borrower intcrest an the Funds and applicable taw permits Lender to make such -
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<br /> _ �s���, a charge. However. Lender may require Borrower to pay a one-time charge for an independent real estate tax reparting service
<br /> ��,;.�• used by l.ender in connection with this loan, unlesa applicable Iaw provides otherwise. Unless an ag►eement is made or
<br /> t"`'"` licable lew r ulros interest to be aid,I.ender shall not be r uired to a Borrower an interest ar eamin s on the Funds.
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<br /> -�.;�_,.,.- .� Bonower and Lender rtwy agree in writing,however, that interest shall be puid on the Funds. Lender shell give to Borrower.
<br /> � � "��� � without charge, an annual accaunting of the Funda,showing credits and debits to the Funds and the purpose for which each
<br /> ��^,-��r�::-_:-;.. deblt to t!x Fands was mede.The Fi��xla nm�lexiged u�additinnel secur�ty for all sums secured by this Security Instrument.
<br /> M.;f.,,', . .,; :.. ; If the Funds hcld by Lendcr ex�:ecxl the amounts permitted to be held by applicable law,l.ender shal l account to Borrower
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<br /> for the excesa Funds In uccordance with the reyuirements of npplicable law. If the amount of the Funds held by I.ender at eny
<br /> �„�:-�;� ;t, .�;; time is not sufficient to puy the Escrow Items when due.Lender may so notify Borrower in writing,and, in such casc Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency. Borrower shull make up the deficiency in no nwre than "�
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<br /> �,;v. . � twelve monthly payments,at I.ender's sole discretion.
<br /> � ;�,��.5 t_� . Upon payment in full of all sums secured by this Security Inswment, l.ender shall promptly refund ro Bo�rower any
<br />�' r , ' '�i�' Funds held by Lendar. If,under parngraph 21. Lender shull acquire or scll the Property. l.ender.prior to the acyuisition or sale
<br /> �'"�'�''�*..:�.. . of the Property,shall apply uny Funds held by Lender s�t the time of acquicition or sele as a credit against the aums secured by
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<br /> r,�; ,b,�y;,,,.,`..: ��,' this Secur�ty Instrument.
<br />, � �.!�.:� - : 3.Applicadon o[Poymentsz. Unless applicuble law provides aherwise,All payments received by Lender under paragraphs
<br /> .�:�.'.,�..�.w.,. 1 and 2 shall be applied:first, ta any prepayment char�es due under the Note: secor.cf, [a amuutNs payable under paragraph 2; -
<br /> — ���*�'"°='�° third.to interest due;fourth,to principal due; and lust, to uny lutc�hurges due undcr the Note.
<br /> ' 4.Clwrges; Uens.Barrawer shall pay all taxes, nssessments,charges, fincs und impositions attributeble to the Property
<br /> �_ '��'� � � �• Y P Y Y P Y 8 Y� P Y
<br /> �`�'� which ma uttain riorit over this Securit Instrument,und leasehold a ments or ruund rents, if un Borrower shull a
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<br /> � {�: . . . these obligations in the manner provided in paragruph 2,or if not puid in that mmmer,Borrower zhnl l pey them on timc directly
<br /> .•�'°::i`;., to the person owed pnyment. Borrower shall promptly furnish to l.e�xicr ull notices of umounts tohc paid under this parograph.
<br /> — .�'=�'�:�a�;-'-��'r' If Borrower makes these payments directly,Borrower shall promptly furnish ta l.ender receiptx evidencing�he payments.
<br /> .,.�.s, � � .
<br /> =�_�' . Borrower shall prompUy discharge nny lien which has priority ovcr this S�tiuri�y In��rument unless Borrower: (u)agrces in
<br /> .z��:: --•-° - wr�ting to the payment of thc obligation secured by the lien in u manner ucceptahle to l.ender;(b)conte�ts in s«�d faith the lien -
<br /> ��:g: by, or defends ugainst enforcement of thc lien in, Icgal prixecdings which in the l�nder's c�pfnion operute to prevent the
<br /> �,,�.;,�,,;;,.F�,: , enforcement of the licn;or(c)c;ecures fmm the holder of the lien an agrccment.utisfartory to Lendcr sutx►rdinating d�e lien to
<br /> __ :�i-= '••��•..,t� this Sccurity Instrument. If Ltndcr detcrmincs that any part al'thr Property i� ,unj�Yt to u licn whi�h muy nttuin prioriry ovcr �
<br /> � , this Sccuriry Imtrument,l.cnder m�y givc Burruwrr u nu�irc idcntifying�he licn. Borruwer shall wt isty the lien��r tAkc one or °
<br /> _ �-; ��• . ' �� more of the uctions set forth above within 10 dayti��f thc giving of►x►tice. �
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