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<br /> • TOGETNER WI'fN a1!the imProvemenu now or hereafter erected on the properry.and aU easemenu,appu�ten�snccs,and ,. *
<br /> '��:,�:`>' � fiatuces now or hereafter a part of the pmperty. All replaoemeats and addiaons shall also be covered by tiiis Security `• 4 : . . .
<br /> ; � � °h�,�,�. ' � Instrumetu.All of the foregaing is refemed to in this Securiry Instrument as the'Property." . << .'. ,
<br /> - � - BORROWER COVF.I�ANTS that Horrower is tawfully seised of the estate hereby conveyed and has the reght to pant an d `_ � .�4�
<br /> �• < �� �` �Y convey the Property and that the Property is unencumbered, except Eor encumbrances of record. 8orrower w�arrants and witl : �.;�'•. ,
<br /> �'i",.,r�-K � ' [
<br /> � °"'" - defend generall y che tide to the Property against all claims and demands.su6ject ta any encumbrances of record. ;
<br /> {--. s �_- �{�S�t{RITy II�tSTRUMENT combines w�iform covenants far national use and non-uniform covenants wi t h limi t e�•� ° _ T .,_;_`
<br /> � , variadons by jurisdictian to constitute a uniform security instnunent covering re�l propercy.
<br /> � ' UMFORM COVENANTS.Borrower and L.ender covena�and a8ree as follovys: ., < . • • .
<br /> .. �Z. `: :. 1 a� l. Payment of Pcindpal aud Interest; Prepayment aad I�ate Cf�a�ges. Borrower shall promptly pay when due the� � .. :. .:,` .
<br /> Gk <
<br /> =:� principal of and interest on the debt evidenced by the Note and any pr+epayment and late drarges due under t he Mote. �$ , � � f•�
<br /> .' Z.Fuads for Tases and IaSUSance.Subject to applicablz law or to a written waiver by l.ender. Borrower shall pay to �: ' _
<br /> ��`�� ` � [.ender oa the day monthiy paymenu are due�nder the Note,until the Note is paid in full,a sum("Fuads")for.(a)yearly taxes� � :z_
<br /> .� ead leasehold a ments -':`.x�.`"---
<br /> , ' • �`I��k-� and assessmenu wtuch may attain priority over this Security i n s w meat as a tien on t l�e P r o p e rt y:(b)Y Y P Y � .,,:.:.., i.
<br />,i'•. :•� ar ground renu on the Property.if any:(c)Yearly hazacd or property insurance prcaniwns:(d)yearly flood insurance pmmiums. —
<br /> , , - �t�F:, if arry;(e)Year1Y�nortSage insurance premiums,if any:and(�ar►Y sums Payable by Borrower ta Lender.in accordance with • -- -
<br /> the provisions of paragraph 8.in lieu of the payment of mortgage insurance premiams•These iteuis are calted"Fscro�L Items•"
<br /> " � , . `. � Lender may, at any dme, collea and hold Funds in an aznaunt not to exceed the maximum amount a lender for a frderally ; : _ -
<br /> ' `�:��.` relaied mortgage toan may require for Borrower's escrow account under the federal Real Estate Setttement Procednres Act of �__
<br /> � ,�,.;,.
<br /> •� •������ �� ���4 1974 as amended from[ime to time. 12 U.S.C.Section 26Q1 et seq. ('RFSPA"). nriless another!aw that appties to Ne Funds _-
<br /> .. . � sets a lesser amouat. If so. Lender may.at any time. collecc and hold Fu�s in an amount not to eaceed the tesser amount. _
<br /> —�"-�--J',��� Lender may �timate the amount of Funds due on the basis of cuitent data and reaso n a 6 1e esti m a t e s o f exp e n di t u r e s o f f u t a r e �;-;,i;. ��_��
<br /> .� �, �� >,:,� Escrow Items or othenvise in accordance with appGcable law. ;� ' �.,. -
<br /> • ' The Funds shall be held in an institution whose deposits are insured by a fe�eral agency. instrumentality. or eatity . �:fi-.,_-`;��
<br /> • �r,*,'.,..��. (including Lender.if Lender is such an institutian)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the . s� -�'
<br /> � .. . Escrow Items.Lender may not c6azge Borrawer for holding and applying the Funds,annually analyziag the escrow account,or �g_'
<br /> verifying the Escrow Items.unless I.ender pays Borrower interest on the Funds and applicable law permits I.ender to make such . ... jj�,_
<br /> ' a chazge.However,Le��er may require Borrower ta pay a oneaime ct-,arge for an independent�eal estate tax reporting service . �-�.
<br /> � � '•�,�' nsed by Lender in connection with this loan. unless appllcabte law provides otherwise. Uriless an agreement is made.or r•��=m
<br /> � ' �� � �. applicable Saw requires interest to be paid.Lender shall not be require�to pay Horrower any interest or aunings an the Funds. _
<br /> � ' ">"."~ Borrower and I.ender may agree in writing,however. that interest sha11 be paid on the Funds.l.ender shall givs to Borrawer. . . _
<br /> -�r•r.,!.r,�. - ---
<br />` � "��'��'" �� without charge, an annual accounting of the Funds.showing crediu and debits to the Funds and the purpose for w}uch each ����
<br /> •� � ' debit to the Funds was made.The Funds are pledged as additional security for ap sums secured by this Secruity Instrument. , ���'
<br /> � ,,; ',� If the Funds hetd by Lender excee�the amonms permitted to be hetd by applicable law.Lender shali acconnt to Borrower , :_' __ _
<br /> - - .•.�•�- �`'�� for the excess Funds in accurdance with the requirements of applicable law. If the amount of the Funds held by Lender at aay � �• , � �
<br /> � � � • time is not su�cient to pay the Fscrow Items when due.Lender may so napfy Boaower in wriang,and,in such case Borrower �•: ��.-.
<br /> �� ,1�. .
<br /> ,;;:'; �.� • shall pay to I.ender the amount necessary to make up the deficiency.Borrower shall make up the deficiency in no more than -; . . . �,_�
<br /> =%'�" . . �... twelve monthly payments,at L.ender's sole discretion. ��'��� `` � .r"_�"':�
<br /> ;: . .� , --
<br /> - Upon payment in fuU of all sums secured by this Securiry Instrument. Lender shall promptly refund to Bonower any • . . ��----
<br /> � . � �� Funds hetd by Lender.If,under paragraph 21,Lender shall acquire or seU the Property.Lenc.'er.prior to the acquisidon or sale _.�: �_
<br /> - � . � . of the Property.shall apply any Funds held by Lender at the time of acyuisition or sate as a credi!a ainst the sucns sec+iced b •'" �, �°
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<br /> _ ' � . this Security Instrumen� ,, � ,���;.-'�-'
<br /> . 3.Appltcatlo�af Payments.Unless applicable law provides otherwise.all payments received by Lender under paragraphs _ _
<br /> � • 1 and 2 shall be applied: first, to any prepayment charges due under the Note:second,to amounts payable under paragraph 2: . �:r�,•=.=.�--
<br /> � third.to interest due:fourth.to prirtcipal due:and last.to any late chazges due under the Note. � *�--:Y=
<br /> , � 4.Cliarges;Llens. Borrower shall pay all taxes,assessmenu,charges. fines and imposltions attributablc to the Property '�-�:.,,st.' ,"_
<br /> which may attain priority over this Security Instrument,and teasehold payments or ground renu, if any. Borrower shall pay , , �
<br /> . � qhese obligations in the manner provided in paragraph 2.or if not paid in that manner, Borrower shall pay them on dme directly �
<br /> �• . . ' � to the person owed payment.Borrower shall promptly fumish to Lender all notices of amounts to be Qaid under this paragraph. . .
<br /> . If Borrower matces these payments directly,Borrower shall promptly fumish to Lender reccipts evidencing the payments.
<br /> � . � ` � Borrower shall promptly discharge any tien which has priority over this Security Instrument unless Borrower:(a)agrees in . :'; .
<br /> ' � writing to the payment af the obligation secured by the lien in a manner acceptable to Lender;(b)cantests in good faith the lien ,. ;s.�� 1 ::
<br /> , . ��; by, or defends against enforcement of�he lien in, legal proceedings which in the I.ender's opinion operate to prevent the . •
<br /> . • � ..; enforcement of the lien:or(c>secures from the ho!der of the lien an a�reement satisfactory to Lender subordinating the lien to . , .
<br /> this Security Inctrument. lf Lender determines that any part of the Properry is subJect to a lien which may attai»priority over . .
<br /> � � • this Security lnstrument. Lender may give Borrower a notice identifying the lien. Borrower shail satisfy the lien ar take one or
<br /> � � . more of the action�set forth above within!0 days of the giving of notice. � .
<br /> � � Form 3028 9I90 �,. . . .
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