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<br /> . «� ' TOGETT-IER�]f�TTFI all the improvements no�u or da+e�er erer�ed on the pmperty:.and all easements.aPpurtenances.and ` `, • .
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<br /> . . �'� fixtures now or hereafter a part of the propeRy A11 ce�lacements and additions shal! also be covered by tius Se�urity � <�•. ; ,.
<br /> _ `` , _ Instrumen�Ali of the foregoing is referred to ia this Secvrity Instr[tment as the'Property." ;; �"'"`-'• ' ` .
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<br /> . �`�:�c' BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveped aad t�as the right to grant and � ;>�'� ;`;:`��` ;,
<br />. _ ' � .�"...'!•'.;;i'_•c ' ` .�F':'.:�r-.
<br /> ;;i--.�, coavey the Property and thai @►e PmpertY is unencumbered.except for enc u m brans�s of record. Borrower warrants and will � :.
<br /> . defend generally the tide to the Property against aU claims and demartds.subject to any encumbrances of record. � =
<br /> � 'FHIS SECURTfY INSTRUME.'VT combines uniform covemnts for national use and non-uniform covenants with limited �� ` ,
<br /> . . . � ��.itfr,:, `.:�'.
<br /> � - variatioas hy jurisdiction to constiwte a unifonn security instrument coveriag real property. �.�.�;';�#;?:; _ ..
<br /> ;� . � .. UPtIFORM COVENANTS.Borrower and iender covenant and agre�as folbws: � � ;";�`:- „� �"
<br /> - !. Payme� of Priadpaf and Interest;PrePa3mtent aad Late Charg�. Borrower shall promptly pay when dne the "� r t�s �.�,__�,
<br /> .�n ��. �principal of and interest on the debt evidenced by the Note and any prepaymem and late charges due under the Note. s��'; `' ` -
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<br /> • " ,�: 2.FmuLs for Taxes aud r�*An�Subject to appiicabte!aw or to a written waiver by Lender.Borrower shall pay to ��, � ,
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<br /> . • , • Lender on the day mondily payments are dae under the Note.until the A1ote is aid in fn11,a sum("Funds")for.(a)yearly ta�ces '.�ts� �';•
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<br /> � and assessmems whicd may attain priority over this Security Instrumem as a lien on the Property:(b)Year1Y leasehold payments ���;�r_:�,. r.
<br /> or ground rents on the Property.if any:(e)Yearly hazard or property insurance premiums:(d)YeartY fiaod i�uurance preariums, • ��.� -"_:
<br /> . ' if any;(e)Yearfiy mortSage iasurance preminms. if any:and(fl any sums payable by Borraw8r to l.ender.in accordance w�th _ �'-"'
<br /> � :, the provisions of paragraph 8.in li�of the payment of mortgage insurance premiums.'i'hese items sie called"Fscrow Items." � ,��hw�
<br /> } � Lender may, at any time,collect and hold Funds in aa amoant not to exceed the maximum amount a lender for a federdlty
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<br /> � l .�;- related mortgage loan may require for Bomnwer s escrow account under the federal Real Estate Settiement Procedures Act of ,y u�;��S , _=
<br /> �-Y�;��'�,
<br /> . �- •t � 1974 as amended from time to time, 12 U.S.C.Section 2601 et seq. ("RFSPA'?.unless another law that applies to the Funds . _+.,•'�_._r,"-=--
<br /> � � � sets a lesser amount.If so. Lender may.�ai any time.collect and hold Funds in an amount not W exceed the lesser amount. <<�:;;s-_,—
<br /> � � � Lender may estimate the amount of Funds dae on the basis of current data and reasonable estimates of espenditures of future , ;� : _..-.
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<br /> Fscrow Items or othcrwise in accordance with applicable taw. ,��, .-
<br />- ' " ����� Tbe Fnnds shall be held in an institution whose deposiu are insured by a federal agency. instrumentality. or emity �' ""-�°-°—
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<br /> ..::fi (including I.ender.if ixnder is such an institurion)or in any Federal Hmne Loan Banlc. L.eader shaft apply the Funds to pay the t �
<br /> -��;� . Escrow Items.Lender may not charge Eorrower for holding and applying the Funds,annusiliy analyzing the escrow acoount.or ._.�
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<br /> • ,. _ °�� verifying the Escrow Items.unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such ��;�L�..---.
<br /> : a charge.However,Lender may require Borrower to pay a one-ame chatge for an independent ceal estate tax reporting sen+ice ����r
<br /> � - .- -� •, used by [.ender in conneccion arith this loan..untess applicable !aw provides othecwlse. Unless.an agreement is made or �,J ..,. .__
<br /> • applicabte faw requires interest to be paid.Lender shall not be required to pay Borrower any interest or eamings on the Funds. �r3, . -_
<br /> �• � � Borrower and I.ender may agree in wriring, however,that interest shall be paid on the Funds. Lxnder shall give to Borrower. , _ _
<br /> � without charge. an annua�accoaming af the Funds, showing credits and debiu to the Funds and the purpose for which each . ; .�j4„':=:__"� �
<br /> � • � debit to the Funds was made.The Fur.ds are pledged as additional security for all sums secvred by this Security Instrument. _
<br /> - -� �` '• If the Funds held by Lender exceed the amounts permitted to be held by applicabte law,Lender shall accaunt to Borrower . ,�,�` �
<br /> •• ' • - for the excess Funds in accordance with the requirements of applicable law. It'the amount of the Funds held by Lender at any �^a,:`;'.��'. �;��:us�
<br /> ' �'��� � . dme is not sufficient to pay the Fscrow Items when due.Lender may so notify Borrower in writing.and.in such case Borrawer . •-�•=T—'
<br /> � shall pay to Ixnder�he amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than • Y"�'
<br /> • ' � � �' twelve monthly payments.at Lender's sole discretion. ' . �"''��
<br /> � ` ' . ' �'� Upon paymeat in fuil of all sums secured by this Security Tnstrument. I.ender shall promptly refund ta�onower any °�: �
<br /> ��! . ; t" Funds held by Lender.If,under paragraph 21.Lender shall acyuire or sell the Praperty.lxnder.prior tu the acquisition or sale .:�.`':�.�e<�:`-: __���
<br /> • � ,'`� i of the Property.shall app}y any Funds held by I.ender at the time of acquisition or sale as a credit against the sums secured by '�, ��+r°
<br /> . E this Security Instrument. ��T
<br /> � ' ' . - 3.Appllcatton of Payments.Unless applicabte law provides otherwisQ,all paymenu received by Lender under paragraphs " �',_�-_-__
<br /> � � . • . � 1 and 2 shall be applied:first,ta any prepayment charges due under the Note:second.to amoun�s payablc under paragraph 2: � ;�--°"�'
<br /> � '` ":. third.to interest due;fourth,to principal due:and last,to any late charges due under the Nate. ,.,�,�� , �
<br /> _ • � .. . 4.Cdarges;LIens.Borrower shall pay all taxes,assessments,charges, fines and impositions attributable to the Property �
<br /> � - - which may attain priority over this Security bstrument. and leasehold payments or ground rents. if any. Burrower shall pay .,�� • �. "�
<br /> • �� • ' . ..� these obligateons in the manner provided in paragraph 2,or if not paid in that manner.Borrower shall pay them on time directly � .
<br /> ' � '•d to the person owed payment.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragmph.
<br /> ' If Borrower makes these payment5 directly.Borrower shall promptly fumish to Lcnder receipts evidencing the payments. . �
<br /> � � : Borrower shall pramptly discharge any lien which has priority over this Security]nstrument untess 9onower: (a)a�rees in . . �
<br /> � � writing ro the payment of the obligatian secured by the lien in a manner acceptable to Lender:(b)contests in good fuith the liea
<br /> � ' . . � by, or defends against enforcement of the lien in. legal proceedings which in the Lender's opinian aperute to prevent Ihe �•
<br /> � , enforcement of the 1ien:or(c?secures from the holder of the lien an agreement sutisfactory to Lender subordin•rting the lien to . �
<br /> � , this Securicy Instrument. lf Ixnder determines that any pan of thc Property is subject to a tien which may attain priority over . •,t :
<br /> ' ' this Security lnsirument.Lender may givc Borrowcr a notice identifying the lien. Borrower shall satisfy thc iien ur take onc or . ,
<br /> . mare of the actions sct forth above within 10 days of the giving uf notice. :� .� '
<br /> . . form 3028 9190 � �
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