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<br /> TOdETHER WITN all the imprc�vementw naw or hercuCter erected on the property, und u�� ej�ti�m�nt',aPpurtenunccs,+md i
<br /> tixtures naw on c�rcaRer a pnrt of thc prupeny. All rcplc+cemcnts and addition� shull al��� bc a�vcr��l by �his Sccurity ;
<br /> Inctrunxnt. Ail uf thc foregoin�is refcrrcd to in this Sccuriry Instrumcnt as thc"Prop�:ny."
<br /> BORROWER COVENANTS thut&�rrowcr is lawfully scised af thc cstutc hcrchy c�mvcycd+nxi I�us thc right tu gn�nt und
<br /> canvey the Property nnJ U►ut �he Prop�:rty iti uncncumberccl, except for e►numbnmccs i�l' reci��d. &�rri�wcr wurrantti und will t.
<br /> defend gencri►Ily the tide to the Property against iill claimti und demurxls..ubject ta uny encambrunces ut'rccord.
<br /> TH1S SECURITY INSTRUMENT combines unifottn covenunts far nationul ube und nnn-unifarm c�wenunts with limited
<br /> voriutions by jurisdiction to constitutc a uniform security in�trument covcring rcat pn�pcny. �
<br /> UNIFORM COVENANTS.Barro�vcr und Lendcr�n`nand Lutc hat��s.��r�WCr shull pmmptly pay whcn duc the �
<br /> 1. PAyment of Prtnctp�l and Intcrest; PrepAY .
<br /> principal of nnd interest un the debt evidenced by the Note and nny prepuyment:►nd late cRarges due undcr the Note.
<br /> 2, �nds far Taxes und insurance. Subject ta applicuble lnw ar to a w�ttten waiver by Lender. Borrawer shnll pay to
<br /> Lender on the day monthly payments are due undcr the Notc. unttl thc Notc is paid in fult. a sum("Funds")for:(a)ycarly taxes
<br /> and ;�ssessments which may uttain priarity over this Security Instnimcnt us a lien on thc Property;(b)ycarly leasehold paym�n�s
<br /> ar ground rents on the Propercy.if any:(c)yearly hnuird or prapertY►nsumnce premiums; (d)yearly tlaod insurancc premiums,
<br /> if any:(c)yearly mortgnge insurance premiums. iF any:u�►d (fl uny sums payuble by Rorrawer to Lcnder, in accordance with
<br /> the Provisions of parngraph S, in tieu of the payment of mortguge insurance premiums.These items urc culled "Escrow IteRis."
<br /> I.ender may. at any time. collect und hold Nunds in an nmount uut to excccd ►he mastmum amount a lender for a federnity
<br />� related mortgage loan may require for Botmwer's escrow account undcr the fedcral Real Estate Settlement Procedures Act of
<br /> 1974 us amended from time to time, 12 U.S.C. Sectian 2601 et seq. ("RESPA").unless cuwther law that applles to the Funds
<br /> sets A lesser amount. If so. I.ender mny. at uny time, collect and hold Furxls in an umount not to excced the lesser amount.
<br />- L.endcr may estimate the umount of Funds due on the basi� of current dnta and rea-�nable actimutes of expenditures of future
<br /> Escrow Items or otherwise in accordance with applicable law.
<br /> The Funds shall be held in an institutton whose depoxiu are insured by a federal ugency, instrumentulity, ar entity
<br />- (inciudinb Lender,if Lender is such an institution)or in nny Federal Home Loan Bank•1-ender shall apply the Funds ta puy the '
<br />_ Escmw Items.Lender may not chnrge Borrower for holding and applying the Funds.a►►��ble law yZ�rm[ts Lendc t amake such
<br />- verifying the Escrow items,unless I.ender pays Borrowcr intercst an the Funds and app P�
<br />— a charge. Howevcr,Lender muy require Borrower to pay a onc-time charge for an indepcndent r�eal estate tax reporting servicc
<br /> used by i.ender in connection w►th this ioan. uoIc-�a n�,�+.i:abtc la�: Pro"1�°S ^t�erwi�o. Unless en agreement is made or
<br /> applicable law rc�quires interest to be patd. i.ender shall not be required to pay Borrower any interest ar eamings on the Funds.
<br /> r
<br /> Bonower und Lender may agree in writing,however.that interest shall be paid on the Funds.[,endcr shall gtve to rrawer.
<br /> without charge, 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 mAda.The Funds ure pledgcd us additional sccurity for all sums secured by chis Sxurity Inst�ument.
<br /> If the Funds held by Lender exceed che emounts permitted to be held by applicable law. I.ender shall account to Borrower
<br /> for the eacess Funds in accordunce with che requirements of applicabie luw.If the arnount of the Funds held by Lender at aay
<br /> time is not sufficient to pay the Escrow Iterns when due,Lender may so nottfy Borrower in writing,end,in such case Borrower ,
<br /> shall pay to Lender tho amount necessary to make up the deficiency. BorroN+er shall make up the deficleney in na mote thsn
<br /> twelve monthly payments.at I.ender's sole dtscretion.
<br /> Upon payn�ent in full of ull sums sccured by this Security Instn�ment. I.endcr shall promptly refund to Borrower any ,
<br /> Funds held by Lender.If.under parngraph 21, I.ender shall acquire or sell the I'ropecty. Lender,pdor to the acquisi6on or sale
<br /> of the Property, shall apply anY Cunds held by Lender at the time o�P acquisttion or sale as a c�dit ugainst the sums socural bY
<br /> this Sxurity Instnunent.
<br /> 3.Applkation ot Puymeats.Unless Applicable law pmvides othenvise.all payments receive�d by LendcT under parag s
<br /> 1 and 2 shap be applied: flrst, to uny prcpayment charges due uader the Note;second. to emounts payable under paragraph 2;
<br /> third,to 9nterest due:fourth,to principal due:and last,to any late charges due under the Note.
<br /> 4.Charges;Lieas.Borrower shall pay all tnxes.assessments. charges, fines and imposidons attributable to the Property
<br /> whjch may attain priority over this Security Instrument, and leasehold payments or ground rtnts,if aay. Borrower shall pay
<br /> these obligations in thc manner provided tn paragraph 2,or if not paid In that manner,Borrower shall�paiy tlum an ti�d�i�ly
<br /> to the person owe�payment.Borrower shull prompUy furnish to Lender ail naticos of amounts to be d under this
<br /> If gorrower cnalces these payments directly,Borrawer shall promptly fumish to I.cnder reatpts evidencing tht payments•
<br /> Bonower shall promptly dischurge uny lien which has priarity over this Securiry Instn�n:ent unlrss Borrower:(a)egras in
<br /> writing tu the payment of the obligation secured by the lien in a manner acaptable to Lender;(b)contests tn good faith the lien
<br /> by.or defends against enforcement of the lien in. legel proceedin8�w1►�ch in the Lender's opinion opecace to prevent the
<br /> enforcement of the lien;or(c)secure.g from the holder of the lien an agreement satisfuctary to L.ender subardinating the lisn to
<br /> this Security Instrument. If I,ender determines that any part of the Properry is subjat to a lien which may attein priority over
<br /> this Security instnrment.Lender may�ivc Borrower a notice identifying the lien. �orrower shall sat�sfy thc lien or take c�ne or
<br /> — more oF the ections sct forth ubove w[thin 10 days of the glving of notix.
<br /> Form 3028 9/D0
<br /> Pp�2 0l 6
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