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<br /> �� .. ToGETHER Wfi'H a11 the in►Provements now or hereafter erected on the property,and ali easements.appurtenances.and ••
<br /> . : � � fixtures now or hemafter a part of the property. A�1 replacen►ents and addivans sfiall also be covered by t6is Securiry :.`.�,;`'. >
<br /> " . ` . Insmement. Al!of the foregoing is referred to in this Security Insmur.ent as the"Properry." '�`''.��": .. �
<br /> � :;°� BORROWF.R COVENAI3TS that Bosrower is tawfully seised of the rstate hereby conveyed and has the right to grant and ,, r
<br /> � —� convey the Praperty and that the Property is ur.encumbered. except for encumbrances of record. Borrower warrants and will ,�
<br /> -.~"""�`� defend ge,nerally the tide ta the Property a�ainsc a!1 claims and demands.subject to any encumbrances of record. � ��_��
<br /> -�--=_-- 'FH(S SECURI7Y INS'FRUMENT cc�mbin�.s�niform covenanGS for national use and non-uniform rnvenants with limited _L _ l' �
<br /> f r variations by jurisdiction to constitute a uniform security insmiment covering real property. , . � `<.'
<br /> l ` UNIFORM COVEPiAN'fS. Borrower and l.ender covenant and agree as follows: 4`•��' .
<br /> � 1. Payment of Principal and Interest: Prepayutent and Late Charges. Borrower shall prompdy pay when due the y „
<br /> principal of and interat an the debt evidertced by the Note and any prepayinent and late charges due under the Note. . .
<br /> ' � 2.Fuads for Taaces and Iasurance.Subject to applicable law or to a written waiver by Lender.Borrower shall pay to ..
<br /> Lender on the day monthly payments are due under the Note,unql the Note is paid in fiill,a sum("Funds')for.(a)yearly taxes ':,` . •c,;=,;.-
<br />. ` � and assessmems which may attain priority over this Security Insmrment as a lien on the Property;(b)yearly leasehotd payments �L . „_ _ _
<br /> ` or ground renu an the Property.if any:(c?Y�Y ha�ard or property insurance premiums;(d)Year1Y flood insurance premiums, '`"` .
<br /> R•. ` `:,
<br /> � ` if any:(e)yearly inortgage insurance premiums, if any: and(fl any sums Qayable by Borrower to Lender,in accardance witb , !"::�,-._.
<br />-�� d�e provisions of paiagr-aph 8,in lieu of the payment of mortgage insurance premiums.These items are called"Escrow Items." , ' . , :
<br />� I.ender may. at any dme, collecE and hotd Funds in an amount not to exseed the maximum amount a lender for a federally � . � ..' t
<br />�c€ . ' ` ietated mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of � --_-
<br /> n _
<br /> � '` ; 1974 as amended from time to time. 12 U.S.C. Section 2601 et seq. ("RESPA"),unless another law that applies to the Fwids =___
<br /> � � seis a lesser amount.If so, l.ender may, at any pme, collect and hold Funds in an amount not to exceed the lesser amonnt. F •":�'�� _
<br /> - • • Lender may estimate the amoune of Funds due on the basis of current data and reasonable estimates of expenditu�es of firture - ° :y�
<br /> ` � Escrow Items or otherwise in accordance with applicable law. „ ' ; ,, -`�'
<br /> " : '' The Funds shall be held in an institution whose depnsits are insured by a federal agency, insqu��tality. or entity ' �'���.
<br /> . • t�'; � � .:.,�:"�
<br /> - ' (including Lender,if Lender is sucfi an institution>or in any Federal Home Loan Bank.Lender shall apply the Funds to pay the �• •� ..�_..
<br /> � �'. - '�� Escrow Items.Lender may not charge Borrower for holding and applying the Funds.annually analyzing the escrow account,or , r_ ��`�� -�-
<br /> . '-y�...-
<br /> . . � verifying the Escrow Items.unless Lender pays Borrower interest on the Funds and applicable law permiu Lender to make such . ,_ . ';
<br /> ,�;� a charge. Hawever. Lender may require Bonower to pay a one-rime charge for a�independent real estate cax reporting service • :_��,��
<br /> . ` used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an a ment is made ar °-��-
<br /> • applicable law requires interest to be p3:d.Leader shall not be requ'sred to pay Borrower any i:uerest or eamings on the Funds. l ���
<br /> `'. Borrower ased Lender may agree in writing,however,that interest shall be paid on the Funds. Lender shall give to Borratver, �
<br /> }.:
<br /> ' without charge,an annual acwunting of the Funds, showing credits and debiGs w the Funds and the parpose for whic�each '�,z�
<br /> ` � '• � debit to the Funds was made.The Funds are pledged�additional securiry for all sums secured by this Security Instrument. %`�'"`•
<br /> .l• � � If the �unds held by Lender exceed the amounts permitted to be held by applicabfe law.l.ender shall a::.ount ta Borrower . �'��'
<br /> ��- - - for the excess Fands in accordance with the requirements of applirdble law. If the amount of the Funds held by Lender at any � ���,;�-..
<br /> , time is not sufficient to pay the Escrow Items when due.I.ender may so notify Borrower in writing, and,in such case Borrower ,;�_=�.
<br /> ' ` � shall pay to Lender the amount necessary to make up the deficiency. eorrower shall make up the deficiency in no more than >,.�'._^
<br /> _- ` . � twelve monthly paymcnts.at Lender's sole discretion. °' ��":4".
<br /> ''•�_; ' Upon payment in full of all sums secured by this Security Instrument. I.znder shall promptly refund to Borrower any '•„�-
<br /> 2,�,; � Funds held by Lender. If,under paragraph 21.Lender shall acquire or sell the Property.Lendrr.prior to the acquisition or sale .,_�
<br /> , - ' of the Property,shall apply any Funds hcid by Lender at the time of acquisition or sale as a credit against the sums secured by .'••._'-�
<br /> _ . • � this Security Instrument. =� '��
<br /> . 3.Applicatton of Payments.Uniess applicable law pravides otherwise.all payments received by Lender under paragraphs --_
<br /> � 1 and 2 sha11 be applied: first,to any prepayment ct;arges due under the Notc: second,to amounts payable under paregraph 2: ,
<br /> � third,to interest due:faurth,to princip�al due:and last,to any late charges due under the Note. '. �
<br /> �� , 4.Charges; Liens. Borrower shall pay all taxes.acsessments, charges, fines and impositions attributabte to the Property
<br /> � ' which may attain prioricy over this Security Instrument, anJ leasehold paymcnts or ground rents, if any. Borrower shall pay :
<br /> • � these obligations in the m.anner provided in paragraph 2,or if not paid in that n�anner.Borrower shall pay them on time ditectly , .
<br /> • � , � to thc penon owed pay m:nt. Bonower tihaU Prnmptly fumish to Lendcr all nauccs of amount4 to be paid under thix paragraph.
<br /> If Barrower makes ihe�:e payments direc:tly.Borrower shall promptly furnish to Lender receipts evidencing the payments. • .
<br /> , Borrouer�haU promptly discharge any licn which has prio^�}� ovcr this Security Instrument unless Barrawer:(a)agrees in ' • '' '
<br /> '�i. � writing to the paymens oi'the obligation secured by thc lien in a rranner acceptable to Lender.lb)contests in gaad faith the lien
<br /> by, or defend� again�t enforcement of thc lien in. Iegal proceedings which in the Lender'ti opinion operate to prevent the .
<br /> enforcemem of the lien:or Ic)yecures fram the holder of the licn an agreement tiatisfactory to Lender subordinating the lien to .
<br /> , this Security lmtr�ment. li'Lender determines that any pari of the Propeny is Yubject to a lien which n�ay attain priority over �
<br /> . • thi�Security lntitrument. Lender may give Be•rower a notice id:ctifying the lien. Bormwer.hall satisfy the lien or take one or
<br /> �� `�� more of the actions�et fo�h abme within 10 dayti af the giving ot notice.
<br /> � Form 3028 9190
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