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<br /> �'�� TOGGTHBR WI'fH ull the iniprovcinents n4w or hereafter eruted on the�mperty, und ufl cu�iiycnts, uppunenunces,and
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<br />.=��:`�,� fixtures now or hereaRer n pnn of the property. All replacement5 ana additions shull also he covereci by this Security
<br /> Ins►rumcnt. All of tiic forcboi�ib is refcrrcd tn in thiti Security]nstrumcnt as thc"Propcny."
<br /> BpRROWER COV�NANTS thut Barrowcr is lawfully sciscd of�he r,tutc hcrcUy convcycd cind ht�s thc right to Fri�nt and �
<br />`:�� convey the Property und that the Property is unencumbcred, except for encumbrances of recard. Barrower warrants und will
<br /> _„�,..�.._ defend generully the tide to the Property against all cluims and demands,subject to uny encumbrances of record.
<br /> ''• THIS SECURI'fY INSTRUMENT combines uniform covenunts for nuciunal use and non-uniform covenunts with limitrd
<br />� "�� vuriations by,jurisdiction to c�nstitute a uniform security instrument cc�vering real property.
<br /> "� ''"` UNIFORM COVENANTS.Borrower and Lender covenant and ugree as follows:
<br /> '� '� 1. Puyment af Principal and Interest; Prepayment and Late Churge.s. Bonower shall prompcly paY when duc thc
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<br /> --� :,:;, � principal of und int.:rest on thc dcbt evidenced by thc Note und nn rc a ment and late charges duc under the ote.
<br /> -'������ 2. Funds [or Taxes and Insursnce. Subject w applicuble Inw or to a written waiver by Lender, Borrower shAll pay to
<br />=`=:,;,;;_,� Lendcr on thc day monthly payments arc due under thc Nnte,until the Note is paid in full,u sum("Funds") for: (a)yearly taxes
<br /> -°�:�:" and assessments which may attain prioriry over this Securiry Instrumcnt ns a lien on the Property:(b)yearly Icaschold payments
<br /> ---�=-��� or ground rents on the Property,if any; (c)yearly hazard or propeny insurance premiums;(d)yearly flocxl insurunce premiums,
<br /> =`�r•'.'�,• if any; (c)ycarly mflrtgnge inturance premiums, if any: and (� any sums payable by Borrower to Lender, in accordunee with
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<br />_= ±�.� • , the provisions of paragraph S, in lieu of the payment of mortgage insurance premiums. 'Phese items arr called "L'scmw Items."
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<br /> `_''`''' I.ender may, at tu�y time, collect and hold Funds in nn amount not to exceed the maximum amount a lender for a feder y
<br /> '"� related moit�age loun may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
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<br /> _;}�,, 1974 as amended from time to time. 12 U.S.C. Section 2601 et sey. ("RESPA"), unless another law that upplics to the Fun s
<br /> '�!`;•,��-��' sets a Iesser amount.if so, Lender may, at any time, coUect und hold Funds in an amount not to exceeci the lesser amount.
<br /> --.`��?�� Lender may estimate thc amount of Funds due on the basis of current duta und reasonable estimates of cxpenditures of future
<br />-'�`"_`�"`:� Escraw Items orotherwise in accordance with applicablc law.
<br /> "`i��r��� The Funds shall bc hcld in an instiwtian whose deposits are insured by a federal agency, instrumentality, or entity
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<br /> � (including L.endcr, if[.ender is such an instiwtion}or in any Federal Home Lc>an Bank. Lender shail Apply the Fun s to pay t e
<br /> l:':�`,'.1.�. Escro�v Items. Lender may not charge Borrower for holding asld applying the Funds,annually annlyzing the escrow account, or
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<br /> ..- ,��,`,� i�;;f�;;;b s�;� ���r�w I►ems,unless Lcnder pays Borrowcr interest on thc Funds and applicublc law permits Lender to make suc
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<br /> - �};•• a charge. However, Lender may require Borrower to puy a one-time charge for an inaependeni n:�i c�tai�tax rcporsir.g ser.�ice
<br /> ='`�`''•?�'�'"'���'- used by Lcndcr in conncction with this loan, unless applicnblc law provides otherwise. Unless an agrcement is made or
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<br /> _ � '- applicable law requires interest to be paiJ, L.cnder shall not be required to pay Borrmver nny intcrest or carnings on the Funds,
<br /> ��- —= Borrowcr und Lender may agree in writing. howcver, that interest shull be paid on the Funds. L.cndcr shall give to Borrower,
<br />- o�� without charga an annual nccounting of the Funds, showin� credits and debits w the Funds and the purpose for which each
<br />:-��'%�',.�, '� debit to the Funds was made. The Funds are pledged a5 aJditional security for all sums secured by this Securiry [nstrument.
<br /> �'� �. . If thc Funds held by,Lendcr excced the amounts permitteci to bc hcld by applicable law, Lcnder shull account to Borrower
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<br /> s for the exeess Funds in accordance with the requirements of applicnble law. If the umount of the Funds helJ by Lender at any
<br /> � ••••� time is not sufticient to pay the Escrow Items whcn due,I.cnder muy so notify Borrower in writing. and,in such casc$onower
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<br /> _-'!;��,;�.� shall pay to L.cnder the amount necessary to make up the dcficicncy. Borrowcr shall makc up the deficiency in no more than I
<br /> __���f_�;� cwelve monthly paymcnts.at Lender's sole discretion. '
<br /> .,, .,��r,_���� Upon paymcnt in full of ull sums secured by this Securiry Instrument, Lcndcr shall promptly refund to Borrowcr uny
<br /> _ - "' Funds hcld by L.ender. If,under paragraph 21, Lender shull acquire or sell the Property.Lender,prior to the ncquisition or sale :
<br /> ;`?"���~ of the Propeny.�hall apply any Funds hcld by Lender ut the time of acquisition or salc as n creciit against the sums sec:ured by
<br />- �� - =�<� this Sccurity Instrumcnt.
<br /> �-�"'�''''� �' 3. Applicution of Payments. Unless applicable law provideti otherwise,ull payments reccivecl by L.ender under paragraphs
<br /> °•�-�w' I and 2 shull bc lpplicd: first,to any prepayment charges due undcr thc Note: sccond, to amounts payable under paragraph 2;
<br /> J'�'' �"'�" .` third,to interest due:fourth, ro principal due; �md last,to any latc charges due under the Note.
<br /> ���-+»`�'�=`�4'�� 4. Chxrges; Llens. Borrowc� shall pay aU taxcs, assessments, chargcs. flnes and impusitions attributablc to the Property
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<br /> ��r'a� �•• which may attain priority over this Security Instrument, and lcaschold paymcnts or ground rents. if any. Borrowcr sha psy
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<br /> ?y.� ° thcsc obligations in the munncr provideJ in paragraph 2,or if not paid in that manncr, Borrower shall pay thcm on time direct y
<br /> • `� � to thc person owed payment. eorrower shall promptly furnish to Lender all notices of umounts to bc paid under this paragraph.
<br /> If Borrrnver makes thesc paymcnts direcdy,Borro�vcr shall promptly furnish to Lcndcr receipts cvidcncing thc payments.
<br /> Borrowcr shall promptly dixcharge any lien�vhich has prioriry over this Sccurity Instrument unlcss Borrowcr: (u)agrccs in
<br /> � • ?`� writing ro the payment of'the obligation secured by the lien in a manner ucceptable ro Lender; (b)contests in gnod faith the lien
<br /> � ��` by, c�r defends against enforcement of the Grn in. Iegal proceedings which in the I.ender's opinion operate to prevent the
<br /> enf'orcement of'thc lien: or(r)sccures Trom the holder of thc licn an agmement satisfactory to Lender suborJinating the lien to
<br /> this Sccurity Intitrument. If Lender determincs thut any part of thc Property is subject to a licn which may attain priority over
<br /> this Sccurity in+trument. [.�ndcr ntay gi�'c Borrowrr a nutirr idcntifyin� thc licn. Borrowcr shall satisfy the lien or takc one or
<br /> morc of th�a�tions sct 1'orth .ibovc within 10 days vf thc giving nf noticc.
<br /> Form 3028 9/80
<br /> � Poga 2 01 6
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