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<br /> ""�' TOt;C:'fi1LR WLTII all the improvements now an c�reaRer erected e�n the pmperty, and ull easemenis,i�,�purte�u��ces, and :::
<br /> , � +�' fixtures nuw c�r herrufter u part of the propeny. All repincement� und additions shall also Be covercd by this Security _
<br /> .. � „ ';"� .� Insirument. All of thc timgoing is rcfcrced to in this Sccuriry Instntmcnt►is thc"Pr+�perty."
<br />,_�. ,•'` f30RRQWER COVIENAN'fS that Borrowcr is lawfully sciscd i�f thc cstutc hcrchy convcycu und has thc ribht to gr.int imd
<br /> i';''i�':�','�' convey the Propeny and tt�nt the Property is unencumbemd, except for encumbrnnces uf rewrd. Barrower w�rrmus nnd �vill
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<br /> � � defend genes�lly ihe title to the Pr�iperty ugainst all clnims and dem��nds, subject ro any encumhra�zceti of record. �
<br />-`�� ' �� THIS SECURITY INSTRUMEN7'combines uniform covenants far national usc and non-uniform covenants with Ifmital
<br /> �:,;��.r__ varintions by jurisdiction to constiwtc ii uniform sccurity instn�ment co��cring n;al propercy.
<br /> UIvIFORM CUVENANTS.Borrower nnd[.ender�ovcnunt nnd agree as follo�vs: -
<br /> --='—;�.T::- 1. A.�yment oP Principal And Interesh PrePz►yment nnd Li�te Charges. Bonower sNall pramptly pay when due the
<br /> principnl of und interest on the debt evidenced by the Note und ar.y prepayment and late cNarges due under the Note. '
<br /> � �`�� 1,. I�unds Por Taxec and Insumnce. Subject to applicable luw or to a written waiver by Lendcr. Hano�ver shall pay ta _
<br /> �' ""+'�t� I.ender on the day monthly payments are due undtr the Nate, until the Note is paid in full,a sum("Funds")(ar: (al yearly tm�es
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<br /> �n{,�„�;.r ; and assessmcnts which may nttain priority over this Security instrument as a Iien on the Fropeny:(b)yearly leasehald paymontEc
<br />, •r`;:•-•.S�' . or ground renes on the Propeny, if nny;(c)yearly hazard or property insurance premiums;(J}yearly flood insurauce premiiuns,
<br />� �:;,5',y�� if any; (e)yearly mortgagc insurance premiums,if any; and (�any snms payable by Dorrower to Lender, in aceordana�with
<br />' �;��;!�;�'' the pmvisions of paragraph 8, ic�lieu of the payment of mortgage insurance premiums.These items are called "ESCra�v Items."
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<br />---;;.�:��1;�;'. Lender may, at any eime, collect:tnd hold Funds in an amount not to exceed the maximum amount a lender far a fc,ierall/
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<br /> :•.,.�,,.,;;�.,_ rclatul ntort�,abc, loau in�iy reyuire ior Borrowe�'s escrow account under the federal Real L�state Setticmcnt Prorrdnres P,et of =
<br />`.l;tii�,�}r.,�7��' ; 197�{as amznded from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless unother law that applies to thfl Funds
<br />�- F'.;`�rr,r. � seis .� lesser amount. If sa, L,ender may, at any time,collect a�id hold Funds in an atnount nu� to exceed the lesser nmamt.
<br /> ` �� ` ' Lcnder mny estimatc the��,mount of Funds due on thc busis of current data and reasonable estimutes of expenditures ai'future -
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<br /> ;;;=;i3,,�t�� Escrow Itcros or othcrwise in accordance with applicable law. _
<br />�=-'?.'��}�'}� Ttte Funds shall be held in an institution whosz deposits are insured by a federal agency, instrumentality, ar entiry
<br /> �l"�i'`�" (including Lender,if Irender is such an institutiou)or in any Federal Home Laan Bank.Lender shaU apply the Funds ta pr�y tho
<br />���`n; Bscmw Items. Lender may not charge Rorrower for holding and applying the Funds,annually anuiyzing the escrow n�unt,or
<br />�:;;�;�*,; vorifying tl�e Escrow ieems,unless I.ender pays Borrower interest on the Funds and applicable luw permits Lender to make such
<br /> -°�-��.-'i1� � A chsuge. Hu�vever.Lender may mquire Borrower to pay a one-time charge for an independent real estate tnx reportinL soivice
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<br /> _�_�_�y,���;}., used by Le�der in �onnection with this loan, unless applicable luw provides othenvise. Unless an agreement is made or
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<br />�w,:�Y`f»'-'� Borro�ver v�d Lendcr may agree in writing, however,that interest shall be paid on the Funds. Lender shall give to Barrotver,
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<br /> :r��.�p°;,� withaut chi►rge, s►n annual accounting of the Funds, showing credits and debits ta the �unds and the purpose for which each
<br /> ���-��'�'�' debit tn the Funds was mude.The Funds are l�d ed as additional securit for atl sums secured b this Securi�v Insttumont.
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<br /> =-_'!�{�'�; If the Funds held by Lender exceed the amounts permitted to be held by applicable law. Lender shall account to Borro�ver
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<br /> __ for thc exccss Funds in uccordance with the requirements of applicable law. if the amount af thc Funds held by Lcnder nt uny
<br /> - -_ • time is not sufRcient to pny the Escro�v Items when due, Lender may su notify Borrower in writing,and,in such casc Sorrowor
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