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<br /> —,��� TO��'!'HER WITH all the improvementa now or hereafter erected on the prapeny.n�d ull em�c�ne�itA.apnurtentuiccs.u�nl �,°� � �F :_
<br /> °"' ° fixtums now or hereufter a part of ttie property. Atl replacements and additian�: r;hal! al�n bc c��vered by thia Sccority ss�._ k.-,
<br /> ;::�,,,;�� Instrument.All of the foregoin�is referred to in th�s SerurIty Instrnment as the"Propeny." •� � ••�• ca�r.;+r,ie.�'
<br /> '. , ,��. HORROWER COVENANTS that Borrower is lawfully setsed of the estate hereby convcycd and I�as the right tc�grunt iind • •' ' -
<br /> � . " :. ' convey the Property and thut the Property is unencumbered, except for encumbrunces af mcord.Horrower warrnnts and will �
<br /> � defend generally the title to the Property against all elaims nnd demands.subject to any encumbrances at record. _-=
<br /> `�"";�;`'.:,'°� - THIS SECURITY 1NSTRUMENT combines uniform wvenants far national uFe and non•uniform covennnts with limited ,
<br /> . variations by jurisdiction tn constitute a uniform security instrument covering mal property. •�`
<br /> � ��'� UNIFORM COVENANTS. Borrower and L.endercovenant and agree as follows: , —
<br /> ,— �-� l. Payment of�3rectpai and Interesti Pc�epayment and La4e �4ee�s�es. Horrower sha�� pnuuiptly pay when due thc � ���•� < ,
<br /> - , <S,r principat af and interest on the debt evidenced by the Note aztc;a�ey peepayrrtene ar�d late char�es da�e uc�der the Note. .
<br /> `�,�`� 2. ALpds for Taxes and Iasurance. Subject to a��3icmbl,e Eaw or to a wntten wAiver by Il.eader, 0onower shall pay to �
<br /> ° L.ender on the day monthly payments are due under the Not;, until the Note es paid in f�il l,��sum Q"Fue�ds")for:(a)yearly taxes
<br /> ' and assessments which may attain priority over this Securiry Instniment as a lien�n the Prnperty; (bl yeucly tease0old paymtnIIs `
<br /> , " . or ground c+ents on the Property,if any;(c)yenrly hazard or property lnsurt�nre premiums;ld)ye�►rly fl�x��l insurance premiums, j •,�; �;;
<br /> � , if any;(e)yearty mortgage insurance premiums, if any; and(�any sums Fayable by�orrower a�Lcnder, in uccord:uice with �;:,:.�•;�"
<br /> the roviaions of ra h 8, in lieu of the a rnent of mort a e insurance remiums. 7hese items are crilied "Esc�uw Items." , ..�:'''�`: ' '>"����.''� ' �
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<br /> Ixnder may, at any tjme, collect and huld Funds in an amount not to excced the maximum amount a lender for a feiieratly :(i��,�;%�.,,:i�, ;:.'-., •,,.
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<br /> related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of ,'"�{�:',7��;'��;tiy�'+;�r;
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<br /> 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless another law that applies to the Funds ��°�4���<<�;.,t���,,.•
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<br /> - sets 3lesser�mount. If so, I.ender muy, at any time,collect and hold Funds in an amount not to exceed the lesser amount. . ' .- :���;t.,�:,.:'"
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<br /> I.ender may estimate the amount of Funds due on the basis of cument data and reasonable estimates of expenditures of futurc ' .,;;,�,,�,�J,�_;�;
<br /> E.gcraw Items or otherwise in accordance with applicable law. �,r;;:�;;§r;;.•.
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<br /> The Funds shall be held in an institutiorn whose deposits are insureci by a federal agency, instrumentality, or entity . ;.^f�t�;�•,•,;�,
<br /> (including I.ender,if Lender is such an institution)or in any Federal Home Loan Bank. Lender shall upply the Funds to pay the � : '�'..�f;;:;"-zy
<br /> ' � ': '+ Escrow Items.Lender ma not char e Borrower far holdin and a 1 in the Funds,annuall anal zin the escrow account,or � `L`r�:'`�'r"�
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<br /> .,,,•-,,.;;,, . ., ying the Escrow Items,unless Lender pays Horrower interest on the Funds xnd applicnble law permits I.ender to make such �,,;.,•. . .
<br /> , �� �.i a charge. However,Lender may require Barmwer to pay a one•time charge for an indepcndent real estate tax reporting service r �� •:: �' ' �
<br /> ' ,k,�':� used by I.ender in connection with this loan, unless applicable law provides otherwi�e. Unless an agreement is made or „�;E�'t .� },y'�`'.'�
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<br /> • � applicable law requires interest to be paid,L.ender shall not be required to pay Borrower any interest or eamings on the Fuad�. ,• :{�,}• '.x,��;A;��,
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<br /> �,,;�,:,�,,.. . Borrower and L.endcr may agree in writing. however,that intemst shall be paid on the Funds.Lender shall give ta Borrower. .�.:�:;�.�;,: •.�•,�.�,�u•:��, ,
<br /> '����`�.=�i-�':��?,Y-�-- ' wj�}�n��rhA��P, s111 AAtt!lA1 Rrconoting�f thr Fundc; chnwinE omditc nnd dehits t�the Fnnds And the pur�xise fnr which eacfi 's'':l�',.:.•::��£s� ' `'` _
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<br /> debit to the Funds was mgde.The Funds are pledged suadditional security for all sums secured by [his Security Instrument. . � ����
<br /> � �.;. If the Funds held by I.ender exceed the amounts permitted to be held by npplicable law, Lender shall account to Bonower � ' ' : �t'�;x;�
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<br /> , for the excess Funds in accordartce with the requirements of applicable law. If the amount of the Funds held by Lender at any � �•�. ,n.
<br /> ' time is not sufticient to pay the Escrow Items when due. I.ender may so natify Borrower in writing,and,in such case Borrower . �'�
<br /> shall pay to I.ender the amount necessary to make up the deficiency. Bonower shali make up the deficiency in no more than - �` ��' '
<br /> ' twelve monthly paymenu,at L.endcr's solediscretion. � �� '1"��
<br /> � Upon payment in full of all aums �ecured by this Securiry Instrument, [.ender shall promptly refund to t3orcower any � ,r�
<br /> � Funds held by I.ender. If, under paragraph 21.I.ender shall acquire or sell the Propeny. Lender, Nrior to the acqui.rition or sale � ..>
<br /> of the Property, shall apply any Funds held by Lender at the time of acquisition or wle a+a credit ugaintit the aums+ecured by �� ` �
<br /> " ' this Security Instrumcnt. ` ' �•
<br /> 3.Appltcation of Payments.Unless upplicable law provide�otherwise,all Fayments received by [,ender under paragraphs � . �*
<br /> •' 1 an�2 shall be applied: first, to any prepayment churges due unde�•tfie Nnte: �econd, to amount�paynbtc under par.�grsph 2: �-�' '
<br /> � • third,to interest due:fourth,to principal due:and latit,to any late charges due under the Note. '�`'". '
<br /> � 4.Charges; Liens. Borrower shali pay all taxes,asxessments,charges, fines and impositions nttributable to the Property ,
<br /> . • • . • which may attain priority over this Security Instrument, and leasehold payments or ground rents,if any. Borrower shall pay ,
<br /> • these obligations in the munner provided in paragraph:.cir if rn�t paid in that manner.Bonower�hall pay them on time dircxtly „
<br /> �� �:"' ��. to the person owed payment.Borrower shall pn�rnptl�furnish tc�l.ender all notices uf smount.ta b�paid under this paragraph. I
<br /> If Borrower makes these payments directly.Borrc.�eer shall prompdy furnish to Lender rtteipts e��idencing the payments. �
<br /> " Barrower shall promptly discharge any licn whirh hati priority iivcr this Serurit��Instrununt unlc�.Borrow•er: la)agrees in �
<br /> writing to the payment of the obligation secumi by the lien in a manner arceptable a�Lender:tb) amtests in good faith the lien �
<br /> by, or defends against enforcement of the lien in, legal prciceedings a•hich in the Lender's opinion operate to pmvent the i
<br /> enforcement of the lien;or(c)secures from thc huldrr af the licn an sgreement s:►ti�facton• to Lender wbordinating the lien to
<br /> this Security Instrument. If I.ender dcterminr.that an�•pan i�f the Pre�}krt�• i.>ubjrct to a lien uhirh nta�� attain priority c�ver I
<br /> . this Security Instrument. L.ender may gier 8urro��•er a nc�tire idrntif�•ing thc licn. Borcawcr.hall +atitif�•the lien ur tahe one or
<br /> • more of the actions set forth abo�•e w•ithin 10 ciays of thc gi��ing��f notire. � �
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<br /> Fo►m 3028 9190
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