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<br /> � `.`:� �` TOGEfHF.R WiTH all the improvemenu now or hereafter erected on the property.and all eas .aPPnrtenances.and ,�;, .. �'`,.`�``'��_�.
<br /> �' `,` � � '� ��. fixtures now or hereatter a part of the pmperty. All replacemeats and additions shatl also be wvered by this Security ^-`c f;:., ` '�'.
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<br /> . I p s u u m e n s_All of the fo r e goin g is refemed to in this Security Instrument as�he"Property." ,��
<br /> � °=�_• BORROsNER C01�EDTANTS that Bomower is iawfully seised of the estate hereby conveyed and has the right to graut and
<br /> _ . wmrey the Property and that the Property is unencumbered, except for eacumbrances of record. 8orrower avamdnu and will , . .
<br /> ` ::t:= `�r,.,:_• defend generally the utte to the Property against a11 claims and demands.subject to any eacumbrances of reoo�. � . �
<br /> - ;_.:�-.--- .. THIS SECUItTfY INSTRUMENT combines uniform coveaanu for national use and non-uniform covenants with limited
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<br /> - --�--�-=. vazialions by jurisdidioa ta constitate a unifonn security instnunent covering reai pmperty. ,. , -- .-
<br /> � f" ' UNIFORM COVENANTS_Borrower and Lender a�venant and agrce as follows: • . � �"�
<br /> - . �• l. PayQtemt of Prtmdpal and Intersst; PrepaymPnt and Late Charges- Borrower shall promptly pay when due the `��. " r
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<br /> ' �` �"' � principal of an�i interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. •.
<br /> -�� - - 2.Funds for Tt�xes and Easurance. Subject to appliqble Eaw or to a wr6tten waiver by I.znder. Borrower shall pay co �a ;_�•s•
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<br /> •- • . ' Lender on the day monthiy paymenGs are due under the Note,unti!the Nate is paid in full,a sum("Funds')fur:la)yearly taxes ,
<br /> . . i, : • •.`� and aysessmeats which may attaiR priority ovcr this Security lnstrument as a lien on the Praperty:lb)yearly teasehold paymertts , , . _...��
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<br /> ' ' � � or ground rents on the Property.if any:lc)yearly hazard or property insurance premiums:(d!year�Y flaod insurance premiums. ` �.;� •
<br /> ' � ` -$ if any'(el ye:srlY mot�age insurante premi°ms.if any:and(�any sums payable by Borrower to I.cnder.in accordance witb • � � �*-< '`;
<br /> � '_ the prnvisions of p�agraph 8. �n lieu af the payment of mongage insurance premiums. These items are called"Fscrow Items." ''.� ;:':_� __
<br /> � i.ender may. at any time. collect and hold Funds in an amount not to exceed the maximam amount a tencler for a federally . _
<br /> � retated mortgage laan may require for Borrower s escrow account under the federal Real Fstate Settlement Procediues Act of , _
<br /> • ° - 1974 as a�nended from time ro time. 12 U.S.C.Section 2601 et seq. ("RESPA").untess another iaw that applies to the Funds , F ,
<br /> � � � sets a lesser amount.If so. Lender may, at any time,collect and hoid Funds in an amount not to eaceed the less�r amount. •�,��... ,, .�;��
<br /> � ' L,cuder may estimate the amount of Funds due on the basis of current data an d reaso n a b le e s t i m a t e s o f e x p e n d i t u r e s o f t n t u r e : _:_—
<br /> --�- - - Escrow Itecns or othenvise in accardanre with applicable law. � ��=
<br /> � �., '�,'." The Funds shaU 6e held in an institution whose deposits are insured by a federal agency, instrumentaliry, or entity ��
<br />- . � `"• (including Lender,if Leader is such an institution)or in any Fedecal Home Loan Bank. I.ender shall apply the Funds to pay the -• #:__
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<br /> � ' ' ` .;r'� F,scrow Items.Lender may not charge Borrower for holding and appiying the Funds.a�uivally analyzing the escrow account,or �� :•. ••>=�,;�_._.
<br /> _..:' ' '"' __ verifyinn,the Escrow items.untess txnder pays Borrower interest on the Funds and applicable!aw permits�.ender to make such � _:-=��--�.
<br /> „ a charge. However.Lender.may require�orrower to pay a one-time charge for an independent real estate tax reporting service �,*`.�.:�;�,;:�
<br /> _�_�.
<br /> - used by Lender in conn�ction with this loan, unless apglicable law provides otherwise. Uriless an agreetnent is made or . ___
<br /> . •• applirable law requires interest to be paid.Lender shall not be reyuired to pay Borrowerany interest or eamings on the Funds. =° •y�,;�, '_��
<br /> • . . Borrower and Lentler may agree in writing,however,that interest shall be paid on the Funds. Lender shall give to Borrower, :�—
<br /> ,, � . without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which eacb °�'��:__ __
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<br /> � � � � debit to the Funds was made.The Funds are pledged as addirianal security for all sums secured by this Security Instrument. ,'•'_: G-
<br /> , � If the Funds held by L.endes exceed the amounts permitted to be held by applicable law.Lender shall account to Borrower .'�'�,'��"
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<br /> ' . for the excess Funds in accordance with the requiremenu of applicable taw.If the amount of the Funds held by Lender at any ' —
<br /> �t; -- .-� - ume is not sufficient to pay the Fscrow Items when due.Lender may so notify Borrawer in writing,and.in such case Borrower .. r.:�=�"-�---
<br />, shall pay to Lender the amount necassary to make up the deficiency. Borrower shall make up the deficiency in no more than : ;_�
<br /> twelve monthty payments,at Lender's sole discretion. . ``��'�
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<br /> ".. • : ° Upon payment in full of all sums secured by this Security lnstrument. Lender shall promptly refund to Borrower any �r. .,,. :�„-'"�
<br /> � • � • Funds held by Lender.If,under paragraph 21,l.ender shall acqaire or sell the Property.L..nder.prior to the acquisirion or sale =__
<br /> •<. ' � of the Prupeny, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums sec.vried by � _
<br /> ,. . . this Secucity Instrument. �1�
<br /> _ 3.Applicatt�n of Puyments.Unless applicable law provides otherwise.all payments received by Lender under paragraphs • .•,,;�,,
<br /> ' � '`� •. 1 and Z shall be applie�i: first, to any prepayment charges due under the Note; secand,to amounu payable under paragraph 2: ,__
<br /> • third,to interest due:faurth,to principal due:and last,to any late charges due under the Note. ` . _
<br /> � 4.Charges; Ltens.Borrower shall pay aU ta�ces,assessments,charges.fines and impositions attributable Io the Property .. .
<br /> � which may attain priority over this Security instrument. and leasehold payments or grounJ rents. if any. Borrower s h a l l pay _ _
<br /> these obligations in the manner provided in paragraph 2.or if not paid in that manner, Borrower shall pay them on time directly .. . _
<br /> � �. . . to the person owed payment.Borrower shall promptly furnish to Lender a!i notices of amounts to be paid under this paragraph. �. . . .
<br /> � � If Borrower makes these payments directly.Borrower shall promptly fumish to Lender receipts evidencing the payments. .
<br /> •"�� �� Borrawev shall pmmpdy discharge any lien which has priority over this Security Instrument untess Borrower:(a)agrees in
<br /> � writing to the payment of the obligation securcd by the lien in a manner acceptable to Lender;(b)wntesu in good faith the lien � •
<br /> �. by. or defends against enforcemem ��f the lien in, legal praceedings which in the Lender's opinion operate ta prevent the � • .
<br /> � � enfotcement of the lien;or(c)secures from the hotder of the lien an agreement satisfactory to I.ender suboTdinnting the lien to
<br /> ' � � ' , �� this Security Instrument. if Lender determine+that any part of the Property is subject to a lien which may attain priority over
<br /> � . � this Security lnstrument, Lendcr may give Bonowcr a notice identifying the lien.Borrower shall satisfy the�ien or taka one or . ,
<br /> more of ihe actions set forth above within 10 days of the giving of notice. � . •
<br /> . ' Form 3028 8180
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