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<br /> . ' :� 'I�OGE'TI�R WiTH all the impiovemeats now or hereaftrt etected on the progeatY, • ,` '
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<br /> • fuchu�mw ar hereat'tea e part of the pmpeicy.A}1 reptacexnents sad additioas sl�a11 also be mvered by this Seauicl►�s�ment , � ,
<br />� ,� All of the foregoing is referred to in this Seauit�►Instnunent as the"Pmperty" , . ' . : � u'
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<br /> BORROWER COVENANTS that Hormwer is IawfuIIy seised of the estate heceby conveyed at�d has tlie dght w gr�t aad
<br /> ° .� and that the Property is uneasaunbc,red,excePt for eatcurnbraases of reoord. Bormwea warran�and w�l , .. • __..
<br /> coavey the PropeitY all claims and demands,subjea to anY eacumbrances of record. "
<br /> ,.,::� defend general3y the ti t t e to t he P r o p e�t y a g a�n s t _ ,:4� .
<br /> : �- -- '=--� 'i'HIS SECURiTX INS'FRUMEN7'combmes umfonn coveaanu for national use�d non-uniform coveaants wrth l u n�t e d ` _ -
<br /> f vatiatioas by jurisdiction ro consedite a uniform sec�►tY insaument covering real property. -
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<br /> f UNIFORM COVENANTS.Boimw�aad Lendea covenantand agree as follaw� ,
<br /> .� ' . •,:! 1.Pgyment of Pr€ndpa!aad Yat��Pa7ment and Late Cba*ges. Bomower sLaU promP�Y PaY when due We _ :: . .
<br />� �la�e charges due under tSue Note. ` -�.•..:`�
<br /> � ' ' ; Principal of and intesest oa the debt evidenced by the Nate aad auY P�PaY� _ `:�- •
<br /> ' ''s �.Fonds for Taxes aad Insurano� Subject to applicaLIe law as w a wcitten waiva bY��•Bamnwer shall paY to . . �� , .
<br /> • � �' I.ender on the day monthly payments are due�mder the Note,imnl the Note is paitl m fa11.a sum("Funds")for.(a)Y�Y� '`�� , .
<br /> � ` � and assesscnenis wluch may anain priaritY over this SecuruY Inst�umeat as a lieA on me Pmp�cy;(b)Y�r1Y leasehold paymea�ts °. t�,. , .
<br /> insurance '(d)Y�Y IIood'u�surance pm,aaiums,if ,'° �'
<br /> � . � nr gmimd rea►ts on the PmpertY.if any:(a)Y�Y hazard or PmPe�tY P�• :�_�t .•.. �'
<br /> • I an •(e)Yearly mortgage insuzance pr�ms.� te b Borrowea W Le�der.sn accordamce vuith tbe ..X,:._ , _•__:�r;
<br /> y. �f any,and(�anY s�ms FaY� Y These items�e called"Escrow Items." ; ..4 ,`�".: .-r..�
<br /> . . � pmvisions of paragraph 8. u► lieu of ttce pFyment o f mo rtgage m s�u a n c e�e m i u�. .
<br />- ���y,at any time,collect and hold Funds in an amarmt not to exc�eed the maaimn�n amo�t a tend�for a frdecaRy relaied :
<br /> � .,•� uae for Borrowea's escrow a�coant un d e,r t he f e d e a a l R e a l Estate SeW�eat Proced�es Act of 1974 as (� . .
<br /> �ge tnan may�1 ' �`
<br /> , am�ded from pme ro time, 12 U.S.C.Sec6on 2601 et seq. (°RESPA"),�mtess anothea law t6at applies tn the Fands sets a lesser .�--,�-. -� ..-
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<br /> ° .',1. a m o u n t If so, Lender may.at any time,collect and bold Funds ite an amount not w exceed the lessear atnount Lendet may i'.,_:-_..`�_>� _
<br /> � estiaiate the amoant of Funds due oa fhe b�is of cvrrent dat3 an d reas o n a b l e e s t i m a t e.c o f e x p e n d i w r e s o f f u U u c F s t a mw Items or 4: ..m.. ,:�
<br /> " , � otLerwise ia accardance with applicable laa+. �'-"'���=-'-
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<br /> , '�" 1he Funds s6aD be he2d ia an insdtution wDose deposits are iasured by a federal agency,insmanentality.or e�6ty(uicludiag .. T_-:
<br /> Lender,if Lenda is such an institWion)or in any Aedaal Home Loaa Bank.Le�dea shall aPPly the Funds to pay the Escrow �:..-,,,�__.�-..�
<br /> . _ . � ...:� Itaas.I.e�der may noi c6arge Borrower for hold�g and apDh+�►g the Funds.annuaIIY analYw►S the escmw ascount,or verif}+mg , �-
<br /> � t he F scmw I t e m g.u n t e s s L e a i d e r p a y s Boirow�intrarest on the Ftmds and applicab2e law perrnitv L,endea W make such a ch�ge. � :��. .
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<br /> However.Lenda may+require Saaower w PaY a ono-time c6arSe for an independent real estate tax reporpng savice as e d by
<br /> licable law provides otherarise.Un2ess an agreement is made or applicable 1aw _
<br /> I.ender m conaecnon a�ib chts toan,unIess aPP Borrower any iatesest or earnmgs on the Funds.Boaower and � -�—
<br /> � requaes inteaest w be paid,Lender s6all not be reclui�ed to PaY .' -
<br />�.� .J I„ender may a8�in writing,however,that interest st�all be paid an the Funds.Lender shaU pve to Bomnwer,arithout cbarge,an i
<br /> j aunnal accounting of ihe Funds,showing aedits and debits w ths Funds and the putpose for whicb eacb debit to the Funds was .���
<br /> � made.The Fimds are pledged as additional seauity for all sums secured by chis Secusity Instrument . ' • :,���
<br /> If the Fundg hetd by Lender exceed We amo�wts p�m�ed t°be held by applicable law,Lende�si�all atcount to Borrower foc L�.
<br /> ;� �w : .,
<br />- •-f the excess Funds in accordance with the requiremeaits of applicable law.If the amount of the Fands heId by Lender ai any time is �� ._��`�
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<br /> ' not s�cient to pay the Escrow Items wheu due,Lender may so norify Bonower in writing,��,in such cage Bo�rowea shaU paY . --
<br /> • • to Lender the amaunt necessary to make uP the deficiency.Borrower shall ma�se up the deficiency in no more than twelve . ;�-_
<br /> � monthly payments,at Lender s sole discredon- .. . �:�'�, �
<br /> Upon payment in full of all sums s�cnred by this Security Instrument,Lender sha11 pmmP�Y refund w Borrower any Funds ;��
<br /> held by Lender.If,under paragraph 21,Lender shall acquire or sell the Property, I.ender,prior w the acquisition or sale of the • . : . ;�s=_
<br /> : i . Propeaty,sha11 aPP1Y�Y F��held by Lender at the time of acyuisidon or sale as a credit a�inst the sums sec�red by this �. . ,�
<br /> SeGUity Insuumenl. '.. �7� -
<br /> . 3.Appltcation oP Paymenta Untess applicable law provides otherwise,a11 payments received by l.ender under paragrapi�s ; ;'*-__
<br /> t 1 and 2 shaU be aPPlied: f�s�.�°�Y PrePayment charges due under the Not�second,to amounts payable under�araSraPh 2:
<br /> � ' t third.w interest due:fourth,to PrinciPal due:and 1ast,w any late charges due under the Note. _�
<br /> ,,, � ' � 4.Cdarges;Liens. Borrower shall paY all taxes,assessments,charSes.fines and imposiuons attributable to the Property . . . ,,
<br /> which may attain prioriry over this Security Instrument,and leasehold payments os 8round rents.if auY•Hoirower shaU pay these .
<br /> � obligadons in the manner provided in paragraph 2,or if not paid in that manner,BoQOwer shalt pay them on time directly to the • ..
<br /> .�_ � person owed Dayment.Bonower shall promptly fumish w 1.ender aU notices of amo+uits w be paid under this paragraph.If .'
<br /> Borrowcr makes these paymcnts diretQy,Boaower shaU prompUy fumish to Lender receipta evideiccing the paytnents. _
<br /> � Borrower shall prompUy discharge any lien which has priority over this Se�urity Instrument unless Borrowea:(a)agrees in .
<br /> � ' { ��g�,o the payment of the obligatinn securcd by the licn in a manner acceptabie w L.ender;@)cantests ia good faith the lien •
<br /> � by, or defendg against enforcement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the
<br /> ••! cnforcement of tho licn:ar(c)secures from the holder of the lien an agreema►t safisfactory W l.ender subordinating the lien to --
<br /> this 5ecurity lnswmcn�If Lender detcrmines that any part of the Property is subiect to a lien which may auain priority over this
<br /> Sceurity Inslrument,Lender may give Borrower a notice identifying the lien.Borrowcr shall satisfy the lien or take one or more .
<br /> of the acdons set forth above within 10 days of the giving of nodce. Form ao2a sr90
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