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<br /> . �� TOG�7'IiEIt WITH a�l the impravements now or he*eafter ereMed on the property.and s�ll easemeau,appurienances.and ' `�,�1 �° ;.
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<br /> � , fixtures aow or hereafter a part of the property. All replacements and addirions shall also be cuvered by this Security
<br /> � • .'�� [nstrument.All of the foregoing is referred to in this Security Instrument as tfse"Property.° � , �. _
<br /> ` BORROWER COVENAM'S that Borrower is tawfully seised of the estate hereby conveyed and has the righi to grant arsd `- i'.:,�" .•• �;
<br /> ` . - ` •- • F' convey the Property and that the Property is utuncumbered.excepc for encumbrances of rewrd. 8orrower w�arrants and will '� ,� Z� <:.�
<br />�`�` `r�`�'•. defend g�neraliy the atte to the Property against all claims and demands.subject to any en�mbrances of record. '�' �`� ' ` `
<br /> - THIS SECURITY 1NSTRUMENi'wmbines uniform covenants for national use and non-uniform wvenants with {imited `�
<br />-�':`=-`�-�- -=' variations by jurisdiction tr,consEitute a uniform serurity instrumeat covering real property. -- -- _�--�;�°, _
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<br /> ' ` � UNIFORM�CO�ENAlVTS. Borrower and Lender rnvenaut and agm�as fo!lows: �. - - ,
<br />- � 1. Fayment oY Ptinrlpal and Interesh, Prepayment sud Late Charges. Borrower shs�ll promptly pay when due the �. ,';'`f'.':� __
<br /> - < <, principal of and interest on the debt evidenced by the Note and any prepayment and late c6arges d ue un der t he Note. �
<br /> � , _ 2. Funtls for Taxes and Iasurance. Subject to applicable law or to a written waiver by Lender. Borrower shall pay to � � �"-"
<br /> '' � Lender an the day monthly payments are due under the Note.unti!the Note is paid in full,a sum("Funds")fot:(a)yearly taxes r t'. ��� -�;r:�-
<br /> ` � � and assessmec�u which may attain priority over this Secnrity Instrument as a lien on the Property;(b)Yearty leasehold payments ' - �=w--
<br /> � • . . . or ground rents on the Property.if any:(cl YearlY hazard or pmperty insurance premiums:(d)Yearly fload inswance premiums. �A . �""'",'
<br /> .��; if any: (e)yearly mortgage insuranoe premiums,if any;and(�any sums paya6le by Borrower to Lender. in acxordance witb �% :._.
<br /> � � ' � the pmvisioa�of para,graph 8.in lieu of the paYrr�ent of mortgage inswance premiwns.These items are cailed"Fscrow Itenns." � �;�,:�` :'� _ _
<br /> �� .Lender may. at any time,collect and hotd Funds in an amount not to exoeed the maaimam amount a lender for a federally,
<br /> ' °� ;� related mongage loan may require for Borrower's essrow account under the federel Real Estate Seitletnent Procedures Act of � . ' �-
<br /> �- � ?: 1974 as amended from time to time. 12 U.S.C. Section 2601 et seq._("RESPA"),unless anottter law thai atrplies to the Funds � - �.
<br />��;f. � � sets a lesser amount.,If so. Lender may,at atry time,collect and hold Funds in an amount not w exceed the le.sser amonnt. " ---
<br /> -- • - ' ��y'`°. Lender may estimate ttie amount of Funds due on the basis of current data and reasonable estiu�ates of expendituses of futnre _ --�
<br /> ��:,---------- Escrow Items or othenvise in accordance witb applicable law. . _--
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<br /> � The Funds shall be held ia an insritution whose deposits are insured by a federal agency, instnunentality. or eatity � �-=
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<br /> . , � - ; (including Lender.if Lender is sach an instiwtion)or in any Federal Home Loan Bank. l.ender shall apply the Funds to pay the : •�. ,.-__-
<br /> � . ,,,,; Escrow Items.Lender may not charge Borrower for holding and applying the Funds,annvally analyzing the escrow account,or ,,� `
<br /> �� verifying the Escrow items.untess Lender pays Bomower interest on thc Funds and applicable law permits l.ender w malce such ..��� .
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<br /> � , • a charge.However,Lender may require Borrower to pay a one-time charge for an iadependent real estate tax ceporting s�rvice - •�z.° _ ___
<br /> � , used by Lender in cannection with this loan, nnless applicabte law provides ot6erwise. Unless an agreement is made or � �T
<br /> • • applicabte law requires interest to be paid,Lender shall not be required to pay Borrower any interest or eamings on the Funds. _
<br /> .� - - Borcower and Lender may agree in wriang,however.that iaterest shall He paid on the Funds. I.ender shall give to Borrower,
<br /> �, ' • • ., without chazge, an annual accounting of the Funds, showing credlts and debits to the Funds and the purpose for wtuch each �_^��'`::;:_�._
<br /> ci •' ��� ,:.� debit to the I'unds was made.The Fwtds are pledged as additional security for all sums secured by this Security Instrumeni• • :�.�-`.--
<br /> • • .I` If the Funds held by I:ender exceed the amounts permitted to be held by applicable law,Lender shall accaunt ta Borrower ;�.
<br />� � for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds hetd by Lender at a:ry � '�'""'�
<br /> • �� 1 time is nut sufticient to pay the Fssrow Items when dae;Lender may sa nodfy Borrower in writing,and.in such case.Boaower `+'`�' �`�_ ����
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<br /> � � shall pay to Lender the amount necessary to matce up the deficiency. Borrower shail make up the deficiency in no more than ',._—�:•
<br /> • . � � twelve monthly payments,at Lender's sole discretion. ' •• ,,�';- `
<br /> •• _ � . . � .:_� Upon payment in fult of all sums secured by this Securiry Instrumen� Lender shall promptly refund to Borrower any °=�-_
<br />?�;:•• � Funds held by Lender. If,under pazagraph 21, Lender shall acquire or selt c.hs Property.Lender.prior to the acquisition or sale �: �--
<br /> '� ' of the Pro e shall a 1 an Fnnds held b Lender at the ume of a uisition or gale as a credit ainst the sums secured b '�'"�''_-..
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<br /> �� �� this Security Instrument. , ' -�'
<br /> ' �'. ' 3.AppHcatton of Paymen4s.Untess applicable law provides othenvise.all payments seceived by Lender under paragraphs . •�` -
<br /> � . ` � ' �, •
<br /> • . � � 1 and 2 shall be applied:first,to any prepaym�:t charges due under the Note:second.ta amoonts payabte under paragraph 2; , . ' ,._ �
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<br /> third.w interest due;founh.to principal due:ar�1ast.to any late charges due under the Note. •'�-.��
<br /> 4.Charges; l.iens.Barrower shall pay all taxes,assessments.charges,fines and impositions attritrutable to tHe Property ,
<br /> � .� which rnay attain priority over this Security Instrument. anA Eeasehold paymenu or ground rents, if any. Borrowez shall pay • • �
<br /> e � , � these obligations in the manner provided in paragraph 2,or if not paid in ihat manner,�o::ower shall pay them on�:n°.directly • •
<br /> � � to she person owed puyment.Borrowcr shall promptly fumish to Lender all notices of amounts to be paid under this paragraph. ••
<br /> '' ' � • k If Borrower makes these payments directly. Horrower shall promptly furnish to Lender receipts evidencing the payments. .
<br /> �`. � j Borrower shail promptly discharge any lien which has priority over this Security instrument unless Borrower: (a)agrees in � ,
<br /> ��? '( writing to the payment of the obligation secured by the lien in a maitner acceptable to Ler�er;(b)contests in good faith the lien . '
<br /> ° ' ' . � by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the � • �
<br /> • " � enforcement of the lien:ar(c)secures from the holder of the lien an agreement satisfactory ta Lender subordinating the lien to
<br /> � ' this Security lnstrument. If Lender determines that any pan of the Property is subject to a licn which may attain ptiority over
<br /> . � this Security lnstrument.Lendcr may give Borrawer a notice identifying thc lien. Borrower shall satisty the lien or take one or , •
<br /> ..����, more of thc actions set forth above within 10 days of the giving of notice. �
<br /> . � " Form 3028 9i90 '
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