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<br /> . � TOGETHER WTfH ali the improvements now or hereafter erected on the pmperty.and all easements.�►u�r���� •�;t9: . , . .� ''_!
<br /> " fixwms now or hereafter a part of the praperty- A l l rep lacemen u an d a d d i t i o n s s h a l l a l s o be o o v e re d b y t h i s S e c u r i t y n . Q
<br /> . <•,,�• � Instrument. Atl of the fomgoing is rcferred to in this Secvriry Tnstnunent as the'PropertY." �• . 4 �,
<br /> �����, " ' ' �� SORROWER COVErtANTS that Borrower is lawfuily seised af the estate her+eby mnveyed and has tiie right ta grant and ''� :_
<br /> -- convey the �roperty and that the Property is unencumbeted. except for emcumbrances of remrd. Borrower warranu and will .
<br /> � defend generafly the title to the Pcoperty against a}I claims and demands.subject to any encumbrances of record. ` ;,
<br /> :��-. . ° L" THIS SECURITY INSTRUMENT combines uniform covenants for national use and nou-unifome covenauts witli iimited -._ 4..�-h�
<br /> - � • ;� ' variations 6y jurisdiction to constitute a unifotm securiry instntment covering real�roperty. -- ` ;
<br /> � ' UMFORM COVENANTS.Borrower and Lender covenant and agree as foltows: 1F _.� � �:�•�;
<br /> �. .,;.., ` 1.payrtcent of Priacipal sud Iaterest;Prepayment aad Late Cha�ges. Borrower shall promptly pay�:hen due the � -,.:
<br /> ....�F. ` �-/r•;:..
<br />: �� � � •- principal of and intesest on the debt evidenced by the Note and any prepayment and late charges due under the Note. •:y � . ;, ;
<br /> ' � 2.Fimds Sor Taxes and Iasvraisce. Subject to applicable Law or to a written waiver by I.ender. Borrower shali pay to ._, _ _
<br /> Lender on the day montiily paymenu are due under the Note,antil the Note is paid in full.a sum("FSmds")for.(a)yeariy taxes ` �:
<br /> . • ' and assessments which may attain priority over d�is Securiry Iastrument as a lien on the Property:(b)Year1Y teasdiold paymeats f.:. , '_�°�
<br /> . .:,.., ;�`�
<br /> or ground rerts an the Property,if any:(c)YearlY ha�ard or property insurance premiums:(d)Yea�'ly ftaod insurance premiums. ...�•-,�-
<br /> . if any;(e) yearly mortgage insuratice premiums, if any;aad(f�any sumc payable by Botrawer to Lender,in accordance wit6 , � .?.-,�,--
<br /> the provision�of paragraph 8, in lieu of the payment of mortgage insurance premiums.77iese items are called "Escrow Items." ;. „_ :
<br /> • ' Lender may,at any ame.aollect and hold Funds ia an amount not W exceed the maaimum amount a lender for a federally , f::_____
<br /> � � . � related mortgage loan may require for Borrower's escrow accow�t under ttte federal Real Estate Settlement Procedures Act of :
<br /> � 1974 as amended from time to time, 12 O.S.C. Section 2601 et seq. ("RFSPA").untess another law that applies to the Fuads .�..� .��._
<br />- �r •':.=� `� sets a tesser amonnt. If so. Lxnder may. at any time, collect and hold Funds in an amount not to exceed the lesser amount. ` •" ,�� � _
<br /> , Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of ex{►endit�ues of fature ' :'I ;;���
<br /> b,g=...
<br /> Escrow Items or othenvise in accordance with applicable law. ' ��•���--
<br /> ' � ' The Funds shall be held in an institution whose d sits are insured b a federal agency, inshumentality. or entity ' �-�•-
<br /> epo Y ':.. .r-_ �:;r�-,
<br /> _. '_ , _._ (inclndiag Lender,if Lender is such an institution)or in any Pederal Home Loan Bank•Lender shatl apply the Funds to pay the i„�.:_�°°"''
<br /> 7 6e"_,�_
<br /> - - Escrow Items. Lender may not charge Borrower for holding and applying the Funds.annvalty anatyang the escrow aaroun�•flT ";'.,�:.�;;;_
<br /> � ' � � � verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law prrmits Lender to make such ,•; �=•
<br /> . a charge. However. Lender may require Borrower to pay a one-time charge for an independent real estate tax reporting service . r,�,�.,-
<br /> , . ;.•t•' ased by L.ender in connection with this toan, unless applicable law provides othemise. Unless an agreement is made or . ,'�s��_
<br /> � appiirable law requires interest to be paid. L.ender shall not be required to pay Borrower any interest ot eamings on the Funds. ''� �
<br /> ' ( '; .�_
<br /> Borrower and I.ender may agree in writing,however, that interest shall be paid on the Funds. Lender s h a l l give to Borrower, __
<br /> . � without chazge, an annual accounting of the Funds,showing credits and debits to the Funds and the purpose for which each , -�"'
<br /> debit to the funds was made.The Funds are pledged as additional security for all sums secured by this Security instromeni. . ��e
<br /> ` ' � If the Funds held by Lender exceed the amounu permitted to be held by applicable taw.I.ender shall accourtt to Boaower � . _
<br /> • - �- � : for the excess Funds in accordance with the requiremenu of applicabte law. If the amount of the Funds held by Lendet at any ,,, :_ ___
<br /> + . � . � time is not sufficient to pay the Escrow Items when due,Lender may so notify Borrower in wriqng,and.in such case Bonower � . �'-za�_
<br /> .. �i`_�-
<br /> � shall pay to l.ender the amount necessary to make up the def ciency. Bnrrower shall make up ihe deficiency in no more than ;�i_s ,
<br /> � . � twelve monthly payments,at l.ender's sale discretion. . '�"'�`�;�.
<br /> , _ � ' Upan payment in fuQ of all sums secured by this Security Instrument, Lender shall promptiy refund to Borrower any w—
<br /> � � ' Funds held by Lender.If,under pacagraph 21. Lender shall acquire ar sell the Property.Lender,prior to the acquisition or sale . ' �-
<br /> . • of the Property,shall apply any Funds held by l.ender at the time of acquisition or sale as a credit against the sums secured by , !�•
<br /> _.,�_
<br /> �:, , • ` , :. �h -- -- -:.-
<br /> . • , is Security instrument.
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<br /> ° ' � � �� 3.AoDlicatton of 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.tu amounts payable undcr para$raph 2: � .;�..,"���.
<br /> third,to interest due;fourth,to principal due:and last, to any late charges due under the Note. , �� �``!"
<br /> .. r 4.Charges; Liens.Borrower shall pay all taxes. assessmenis.charges,fines and impositions attributable to the Property
<br /> ' ' which may attain priority over this Security Instrument,and lcasehofd paymenGK or ground rents, if any. Borrower shall pay . ,
<br /> . - � these obli�ations in the n�anner provided in paragraph 2,or if not paid in that manner,Borrawer shall pay them on time directly , .
<br /> - • to the person awed payment. Borrower shall promptly fumish to Lender all notices of amounts to be paid under this paragraph.
<br /> ' � � If Bonower makes these Qayments directiy,Bonower shall promptiy fumish to Lender receipts evidencing the payments. , � •
<br /> ��;�' Bc�rrawer shall promptly discharge any lien which has priority over this Security Instrument unless Borrowcr:(a>agrees in : .
<br /> � writing to the payment of the abligation secured by the tien in a manner acce�rable to Lender:(b)contests in good faith the lien • ,
<br /> ��.:t . _ • , by. or defends against enforcemem of the lien in, legal praceedings which in the Lender's opinion operate ta prevent the �
<br /> enforcement of the lien:ar(c)secures from ihe holder oi the lien an agreement saticfactory to Lender subordinating the lien to
<br /> '- this Security lnstrument. if Lcnder determines that any part of the Property is subject to a licn w hic h may attain priori ty over , : .
<br /> ' � this 5ecurity lnstrument, lxnder may give Borrou•er a notice identifying the lien. Bonower shall satisfy the lien or take one or .;
<br /> - ' marc of the actions sct forth abovc within 10 day s of the giving of notic�. ' .
<br /> � . • , Form 3028 8180 , ' � '
<br /> -�i. . . _ Va9e2o18 ' .,
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