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<br /> ,� TOGETHER WITN all thc impruvcmcnts now an c�rcuftcr crected an thc propeny.and ai�� caycmrnt�,i�PPuncnzmcc�.und
<br /> fixtures now nr here.�fter a part af the propeny. All replucements and additions shull ulxc� be cuvcred by this Security —
<br /> Instrumrm. All uf thc furcguing i�r�fcrrai to in thi`Srcurity Instrununt a�thc"PmpcnY•' �
<br /> S _ :� BORROWER COVENANTS tha[ Borruwcr is lawfully sciscd of thc cstatc hcrcby ronvcyui and has thr right to grunt and —
<br /> ecmvey the Prn��rty wid thut the Property i+ unencumbered, ex�rpt for encumbranres of rccord. Borrower wurrants und will —
<br /> ��� defend generully the tide ti�the Property against all claims and demunds, subjcrt t��uny encumbrance�oi'record. —
<br /> T131S SECURITY INSTRUM�NT combineti uniform covcnants for nutional u�c and nan-unifom�cavenantti with limiterj
<br /> ' , variutiuns by jurisdiction to canstitute a uniform security instrument rovering real propeny. �_
<br /> UNiFORM COVENANTS. Borruwcr and Lender cc�venant and agrec as follows: �
<br /> �. 1. Payment of Princip�l and Inter�st; Prepaymrnt and L,ate Char�es. Borrower shxll promptly puy whcn due the
<br /> • � prinripal af and interest on the debt evidenceS by the Nate and any prepayment and Is+tc charges due under the Nate.
<br /> 2. Funds for Taxes and Insurance. Subject to applicable law oc to a written wuiver by Lender, Borrower shall pay to
<br /> Lendcr on the day monthly payments are Juc under the Note,until the Nate is paid in full, a sum("Funds")fnr.(u)yearly tnxes
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<br /> und assessments which may attain prio�ity over this Security Instrument as a lien on the Property; (b)ycarly leasehold paymcnts
<br /> -r � or ground ren[s on the Prc�peny,if any: (c)yexrly huzard or property insurnnee premiums; (d)yeurly flood insurance premiums, `
<br /> if any; (e)yearly mortgage insurance premiums, if uny; anJ(fl+iny sums payable by Bnrrm��er to Lender, in i�ccordance with _-
<br /> the provisions of paragraph 8, in lieu of the payment of mortgage inxurance premiums.These items are caUed "Escrow Items."
<br /> Lender may.at any time, collect and hold Funds in an amount nnt to exceed the maximum amount a lender for a federally
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<br /> relateJ mortgage loan may require far Borro�ver's escrow account under the federul Real Bstnte Setdement Proceciures Act of
<br /> • :� • 1974 as amended(ram timc to time. 12 U.S.C. Section 2601 c�t.�•eg. ("RESPA"), unless anather law thut upplics to the Fun s _
<br /> • _+ setti u Icsser umount. If so, l.ender may, at uny time, collect and hold Funds in an amount not to exceed the lesser amaunt.
<br />_ , ' Lendcr may cstimatc the umount of Funds due on the busis of current datu and reasonable estimatcs of cxpenditures of future
<br />- • . Escrow Itcrosor otherwisc in accorduncc with applicablc law.
<br /> �•- �`�'� Thc Funds shall be held in un insti[ution whosc deposits are insured by a federal agency. instrumentality. or entity
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<br /> Q�::�.:;.����.: (including Lendcr,if Lender is such un institution)or in any Federal Home L.oan Bank.L.cnder shall apply thc Funds to pay ttie
<br />_ '�°.;�. Escrow Items. C.ender may not charge Borrower for halding and applying the Funds,annuully analyzing the escrow account, or
<br />=,'�;: � ;!• verifying the Escrow items,uniess Lcnder puy,5�����uer iriierc�t or ih�Pur.d;sr.d sppli�ab!c!ew�nnitc[,ender to make such
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<br />„L!,+,;.�,., a charge.However, l.ender may require Borrower to pay a one-time charge for an independent►•eul estate tnx reporting service
<br />--'�"`��;��r used by L.ender in connecticm with this loun, unless applicable law provides otherwi�e. Unless an agreement is made ar
<br />�',:��:�;;:� applicable law requires intcrest to be paid,i.cndcr shall not be required to pay Borrower any interest or earnings on the Funds.
<br /> _� � �`�ls's Borrowcr and Lender may ugree in writing, howevcr, thut interest shall be paid on the Funds. Lender shall give to Borrower,
<br />���#� without charge. un unnual accounting of the Funds, showing credits and debits to the Funds and the purpase for which each
<br />�°"�=A:'~ debit to che Funds was mude.The Funds are pledsed as additional security for ull sums secured by this Security Instrument.
<br /> `.."°�`. If the Funds held by Lender exceed the amounts perniitted to be held by npplicuble law, I.ender shall account to Borrower
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<br />�„__:�•:�;.,z.� for the excess Fwids in accordance with the requirements of applicable law. If the amount of the Funds held by Lender nt any
<br /> "°'n time is not sufficicnt to pay the Escrow Items when due, Lender may so notify Borrower in writing,und, in such case Bonower
<br /> •�'°z� shall pay to Lender tlie amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
<br /> -� twelve monthly payments,at I.ender's sole discretion.
<br /> =��U� Upon payment in full of all sums secured by this Securiry Instrument. Lender shull promptly refund to Bonower any
<br /> ����:r.�,"� Funds held by I.ender. If,under paragraph 2l.I,ender shall acquire or sell the Propeny, l.ender,prior to the acquisitian or sale
<br /> -�:�+� of the Property.shnll apply any Funds held by L.ender at the time of acquisition or sale as n credit against the sums secured by
<br /> �=.;�a;� this Sccurity Instrument.
<br />�=�•°i�� 3.Applfeatlon of Payments.Unless applicable law provides otherwise,all payments received by Lender under paragraphs
<br />�-� �""�'�� 1 and ?.shall be epplie�ic tirst, ro�iny prepayment charyzes due under the Note; second, to amounts payuble under paragraph 2; `
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<br /> --�,,,;::�;� third, to interest due;fourth.to principal due;nnd last,to any late charges due under the Note.
<br /> ���"-r:�� 4.Chat�es; Ltens. Borrower shall pay all tuxes, assessments,chargcs, fines and im{x�sitions attributuble to thc Property
<br /> �"""s'-'� which may attain priority over this Security [nstrument, and lG�sehold payments or ground rents, if any. Borrower shall puy
<br /> �'`'�-� these obligations in the manner providcci in paragraph 2, or if not paid in that m�nner,Borrower shall pay them on timc directly
<br /> :°� to the persan owed payment. Borrower shull promptly furnish to L.ender ull notices of amounts to be paid under this parasraph.
<br />==��%`���'' If Borrower makes these payments directly,Borrower shall prompNy furnish to Lender receipts evidencing the payments.
<br />-�""`'}''"'s Borcower shall prompdy dischurgc any lien which hus priority nver this Sccuriry Instrument unless Borrower. (a)agrees in
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<br />�.�;1;;���,;";c r writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, (b1 contests in gocxi faith the lien
<br /> '� �'��'••-• • by, or defends against enforcement of thc licn in, legal proccedings which in thc Le:nder's opinion operatc to prevent the
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<br />=��� "-'�'� enforcement of the lien;or(c)secureti from the holder of the lien an agreement satisfactory to Lender subordinating the licn to
<br />_--:' .'-;,."� this Security Instrument. lf Lxnder determines that any part of the Property is rubject to s�lien which may attain prioriry over
<br />�� �•'•'• •� this Sewriry Instrumcnt. Lender may give Borrower a notice identifying the licn. Borrowcr shull satisfy thc licn or cake one or
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<br /> x: � more of the actions set forth above within 10 days vf the giving of notice.
<br />- ' Form 3028 9190
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