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<br /> 'IbGETEiER WITH all tha improvcmcnts now on c�rcattcr crcctcd on thc properiy. und ��ccmL�rl�l,��tc�ccs, and
<br /> fixtures now on c�rcaftcr a part of thc property.All rcplaaemcnts and acldidans shall alsa bc covcrcd by this Sceurlty InstrumcnG
<br /> Aq of Ihe faeaoi�g is refe�red to in ihis Sccurlty Instcument as tha"Prnptrty." —
<br /> BURROWSR COVfiNANTS that Horrowcr is lawfully scisctl af thc cstatc hcrcby convcycd and h�.s thc right to grant and
<br /> canvey 1hc Prnpeny and that the Yroperty ls uncncumbered, exccpt for cncumbranccs af rccard. Barrawcr wsnanls and will
<br /> dcfcnd gencrally thc dtic to thc Propcny ngainst all claime a7d dcmands.subjcct to any cncumbranccs of rccord.
<br /> T�US SECURI'TY INSTRUMEIVT combincs uniform covcnanta for nadonal usc and nan-uniform cavenanGv with limitcd
<br /> variaduns by,�urlsdlction to consdtute a uniform sccurity in,t►umuit wyc�g ,�at prap:.rty. -
<br /> UNIFORM COY�NANTS.Borrowcr and Lcndcr covcnant and agrcc as foUows: `
<br /> 1.Payment ot Principa!and Inter�st;Prepayment wnd'Lote Char�ea. Borrowcr shaU prompdy pay whcn duc thc
<br /> principal otand intcrest on thc dcbt cvidenccd by Ihc Nota and any prcpayment and latc chargcs duc undcr thc Notc.
<br /> Z.Funds tor Taxr�and Insurance. Subject to applicablc law or w a wr�ucn waivcr by Lcndcr. Bonowcr shall pay to
<br /> I.cndcr on Il�e day monthly payments arc duo under thc Nou;,undl tha Notc is pald in full,a sum("Funds")f�r.(a)yearly taxcs
<br /> and asscssmcnts which may attain priority ovcr this Secudry Instrumcnt es a llen on thc Propeny;(b)yc,�rly lcaschold paymcnts
<br /> or ground rents on the Pcoperty,if any;(c)yearly ha7.acd or property insurancc prcmiums;(cl)ycarly tlood Insurance prcmiums,if
<br /> eny; (e)yearly mortgage insurance premiums.if any;&��(�Any sums payable by Borrower W L.ender.in accordance with the
<br /> provislons of paragraph 8, tn lieu of ihe paymcnt of mortgagc insurance prcmiums.'ihes,, itcros aro cailcel "Escrow items."
<br /> Lendu may,at any tima,colkct and hold Funds in an amount not to excccd the maximum amount a lcnder for a federeUy retued
<br /> mortgage loan may require for Borrower's escrow account un�er the feAeral Real Estate Setilement Procedures Act of 1974 as
<br /> emended kom tLne to time. 12 U.S.C.Socdon 22C�01 et seq. ("RESPA"),unlcss anothcr law that appll�s to the Funds scts a lesser
<br /> amounG If so,Lender may.at any dme, coAect and hold Funds in an einount not to exceed the lesser amo�n� I.ender may
<br /> esdmetc the amount of Funds due on the ba�is of cuncnt data and ressoneblc estimatcs of expendiques of fuwre Escrow Items or
<br /> otherwise in accordance with eppUcable law.
<br /> 'lbe Funds shall be hcld in an insdtut�on whose deposits arc insured by a fedcral agcncy,inswmentallty.or endty(including
<br /> Lender, if I,endu is such an instlwtion) or in any Federal Home Loan Bank.Lender shall apply the Funds w pay the Escrow
<br /> Items.L.ender may not cherge Dorrower for holding and applying the Fwds,annually analyzln8 the escrow account,or vedfying
<br /> the Bscrow Items,unless L.ender pays Boaower interesc on the Funds and appUrable law permits Lender eo make such a charge.
<br /> However,Lender may require Borrower to pay a one-dme cherge fos an independent real estate tax repordng service used by
<br /> Lencier in conneedon with this loan,unless appllcable!aw provides otlKrwlse. Unless an agreement is made or applicable law
<br /> requires interest w be pa[d,Lendcr shall not bc rcquired to pay Bonowa any interest or earnings on the Funds.Borrowu and
<br /> Lcnde�rnay agree in writu►g,howevu.that inUerest shall bc paid on the Funds.L,cnder shall give to Borrowet,�Hithout charge,an
<br /> a�r�»a1 wccaun6ng of the Funds,showinA crcdits and debits ta the Funds and the purpose for which each de6it to the Funds was
<br /> made.The Funds are pledged as additional securlty for all sums socured by this Security Instrumen�
<br /> If the Funds held by Lender exc.ee�1 tho wnounts pumiued w bc held by appllcabla law,L.ender shaU account w Boaower far
<br /> the exce.ss Funds in accordance with the requirements of appllcable law.If the amount of the Funds held by Lender at any time is
<br /> uoi.sufCclent m pay the Escmw Items when due,I.eader may so nodfy Borrower in writing,and,in such case Borrowu shall pay
<br /> w I.ender the amount necessary co make up the deficiency. Borrower ahall make up the deficiency in no more than twclvc
<br /> monthly payrnents,at Lendcr's sole discreiton.
<br /> Upon payment in fuU of eU sums secured by this Socurtty Instrumcnt, Leaidcr shall promptly sefund to Borrower any Funds
<br /> held by Lander. If,under paragraph 21.Lender shall acquirc or scll the Property,Lendcr,prior to the acquisidon or sale of the
<br /> p�p�r�shall apply any Funds held by Lendu at the dme of acquisidon or sale as a crodit agalnst the sums securW by this
<br /> Sccurity InstiumenG
<br /> 3.Appliatioe ot P�ymente. Unless applicablc law provides otherwise,all paymcnts received by I.ender undcr paragraphs
<br /> 1 and 2 shall be applied: first,to any prepayment charges due under ihe Note:second,w umounts payable under paragraph 2;
<br /> third,to interest due;fourth.to pdncipal due;and last,to any lato chazgea due under the Noto.
<br /> 4.Ch�rges;Lkns. Borcower shell pay all taxes,assessments, ct�rges,fines and impositions eaributabk to the Property
<br /> which may attein priorlry over ihis Socurity Instrument,and leasehold payments or ground rents,if any.Borrower shall pay thesc
<br /> obligadons in the manner pmvidcd in paragraph 2,or if not paid in thatmanner.Botrowec shall pay Ihem on Wnc dircxtly w the
<br /> person owed payment Borrowcr shall pmmpdy fiunish to Le�►der all noticcs of amounts ta be paid under this pazagraph. If
<br /> Borrower makes thcse paymcnts direcdy.Borrower shall promptly fumish to Lcnder rcccipts evidcncing the payments.
<br /> Borrower shell promptly discharge any lien which has priority over this Socurity Instrument unless Borrower. (a)agrecs in
<br /> writing w the payment of the obligation secured by the licn in a mannu acceptable to L.ender(b)contesu in good feith the lien
<br /> by. or defends against enforcement of the Iien in, legal proceedings which in the L.eridcr's opinion operate w prevent the
<br /> enfoncement of the Itca;or(c)secures from thc holder of the lien nn egreemcnt satisfactory to Lender subordinating 1he lien to
<br /> this Sxurity insmunenG If Lender detemiines that any part Qf the Propaty is subJect to a tien which may auain prioriry over this
<br /> Sccurity Inswmerit,Lender may give Borrowcr a nodcc identifying the licn.Sorrower shall satisfy the lien or take one or more
<br /> of thc acuons set forth abovc within 10 days of the giving of nodcc.
<br /> Form 3028 O/YO
<br /> ��6R�HE)loz�2).o� Paq�2 016 InlUab:
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