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<br /> 7'OGETHiiR WITH ull dtic impmvcments now or herea8er erccted on thc property,aiid ull ca�icnts,u tt c �xi
<br /> fixtures nc�w or h:�r�,lfter n part of ►he property. All replucenxnts uncl udditium shu�l alsa be coveral by this Security
<br /> in+�rununt.All of the titt4going is rcfcrrul to in this Sccurity In.trument u�thc"Property•° �
<br /> DORROW�R COVBNANTS thal Borrower is luwfully sciscd of►hc c�tutc hcrcby cunvcy�d und hati thc right to gr•�nt mtd
<br /> rnnvcy the F'roperty und thut the Property is unencumlx:rcci,except for encumbranres of record. Horrower wurrants und will
<br /> defend generally thc title to the Properry�+guinst ull duims nnd demands,sunject to any encumbnu�ces oi'record.
<br /> TH1S S�CURITY 1NSTRUMENT combines uniform covenants for natianal use und non-unifnrm covenmus with limite+d
<br /> vuriAtians by jurisdiction to cuiutitutc a uniform security instn�ment covering reail praperty.
<br /> UNI�ORM COVENANTS.Borrower and l.cnderment wnd I.aterCharges�Borrower sliull promptly p�y �eh:n due thc
<br /> 1. Paym�nt.�f Princt�wl And Interest; Prepwy
<br /> pfincipal af and intarest an the debt evidencod by the Notc and uny prepnyment aud late churges due under the Noto.
<br /> 2. Funds for'Caxes and Insurwnce. Subject to upplicuble �aW+or to a written wuivet by Lender, Borrrnver shull pay to
<br /> Lcrxler on the day monthlp pg}:ments arc duc under thc Note,until the Notc is pxid in full, a sum("Fun�rl)��seh��d�raym nts
<br /> ;��xi �A,sessments whieh may nttc►in priority over this Security instrument as u lien on the Prc�pertY�.!b�flocxi insurnnoe p cmiums,
<br /> or a�und rents on thc Property.if any:(c)yeurly hu•rard o�property insurance premiums; (d) y y
<br /> if any; (e)yearly mortgage insurance premiums, if any:nnd(t� any sums payublc hy Rorrower ta (.ender, in nucorclance�vith
<br /> die provisions of panigraph A, in licu af thc payment of martgugc insuruncc premiums.Thcse itents nre calle�i"8scrow Iie�ns.°
<br /> I,c�e+ier muy, at uny time, cvllect und hold Funds in nn amount not to excecd the maxxmnm etnot+nt a lender far a federally
<br /> c�lated mongaga loan may re.,iin for Horrower's escrow account under the federnl Lte:U� �state 5ettlement Frer�u�s Act of
<br /> 1974 as amen�dal from time tu tQme, 12 U.S.C. Section 2601 et sey. ("RESPA"),miless another law that appllos�a�the Funds
<br /> seis a lesscr amou.nt. If so, Lender may, at any time, colicct and hold Funds in an umount not to exceed thc iesstr acnount,
<br /> L.ender may estimate the amount of Funds due on the busis of current data and reasonable estimatcs of expenditures of futum
<br /> Bscmw items or otherwise in accordmice with upplicablo luw,
<br /> The Funds shall bc h:ld in an institution whosr, deposits arc insurcd by a federal agency, instrumeaate,�ity, or entity
<br /> (including Lender,if I.ender is such nn institution)or in any Pedersil Home laan Bank•L.ender shull upply tt�c Funds to pay the
<br /> Escrow Items. Lender muy not charge Borrower for holding and applying the Funds.nnnually nnnlyzing the escrow account, or
<br /> veriiying t1;a in�u•t���,��lt`°`L"-n�!"r rayc Bonower interest on the�unds and applicable!aw pesmits L.ender to make su�h
<br /> :►charge. Howcver,Lrr►der may require Borrower to puy a one-time charge for an indopendent ret►�estace auc repari��►g�zri%i�.:.
<br /> u;�xi by Lender in connection with this loan, unless npplicable law provides otherwise. Unless an egraement is made or
<br /> �,�pi�cable law rcquires interest to be paid, L.ender shull nat be rcyuire4 to pay Borrower any intcrest or eamings on the Funds.
<br /> �c,rrower anci Lendcr may agrce in writing,however,thac intcrest shalG be paid on the Funds.Lender shall give to Borrower,
<br /> viithout charge, an annual accounting of the Funds. showing credits and debits to the Funds and the purpase for which each
<br /> d�bit to the I=unds was made.The Funds are pledged as additional security for al!sums secured by this Saurity Instrument.
<br /> • If the Funds held by I.ender excad the amounts permittod to be held by applicable law. Lender shall account to Borrower
<br /> far the excess Funds in eccordance with the reqnirements of applicable law. If the am�unt of the Funds held by d,ender at any
<br /> time is not sufficient to pay the Escrow Items when due,[.ender may so notify Borrower in writing,and,in such case Borcower
<br /> shall pay to I,ender the amount necc5sary to makc up the dcficiency. Borrower sliall make up the deficiency in no morc than
<br /> twelve monthly payments,at Lender's sole discretion.
<br /> Upon paymcm i� full of all sums secacai by this Security Instrument, Lender shall promptly nfund to Bonower any
<br /> of the Pro brt I shal�a,f�1u anY Funds h ld by Lender tath�t9me of ncqnisit ntor sale as acredpragainst thec uums�secared bY
<br /> p� Y PP Y
<br /> this Security Inscrument.
<br /> 3.Appikxtbn of Payments.Unless applicable law provides otherwise.all payments ceceived by Lender under paragrnp s
<br /> 1 and 2 shall be applied:first,to any prepaymcnt charges due under the Note:second. to nmounts payable under parngreph 2;
<br /> third,to int�rest due;founh,to principal due;and(ast,to any late char�es due undcr the Note.
<br /> 4.Chstrges; 1.kas•&�croWer shall pay all taxes,assessments,charges, fines:md �mpositions attributable to the PropeRy
<br /> whtch may attsin priority over this Security Instrument. and Ieasehold payments or grcwnd rents, if any. Borcower shali pay
<br /> th�se obligations in the manner provided in paragraph 2. or if not paid in thut manner,Bonowor shall pay them on time dit�ectly
<br /> ta the person owed payment• Borrowcr shall pmmptly furnish to Lender all notices of:uiwunts to be paid under this parngraph.
<br /> If Horrowtr makes these payments directly,Iiorrower shall promptly furnish to Lender receiPts evidencing the payments.
<br /> Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Barrow�r:(a)agrees in
<br /> writing to the payment of thc obligation socureci by the lien in a manner acceptable to Lender;(b)contests in good faith th�lien
<br /> by, or dcfonds against enforcement of the lien in. legal procceclings which in the Lender's opinion operate to prevent the
<br /> enforcement of the lien:or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating d�e lien t�
<br /> this Securiiy Inshument. If Lender dctermines that any pa�t of the Propeny is subjoct tu a licn which may attain priority over
<br /> this Security Instntment,I.ender may give Borrower a notice identifying ti�e lien. Borroa'er shafl satisfy tho lien or take ono or
<br /> more of tl�e uctions set forth above within l0 days of the giving of notice.
<br /> Fam 3028 8t9'0
<br /> Pp�2 0l 6
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