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<br /> � TOCifi'I7i.aR WITH al!the improvcmentn now or hareafter eroctod an I.hz propcny.nnd�ll easarnents,appurtenances,
<br /> und fiatures no�v or hereaftes u part of�ho pmpeFry. AU repincements and nddttions shnll nlso bc cavered by this Sccudry �
<br /> InsvumcnG AA of tP�o foregoing is refe�rcd w in thit�Socurity InsWment a9 the"Praperty:'
<br /> BQRROWHR COVENANTS thnt Boxrowu Is tawfully seiseA of tha esutte hcrcby convGyed und 6ns the dght to g►artt ;-.�°r
<br /> 1nA convey the Praperty end th�:t the ProFcrt}� 19 t�nenci�mher�d,eace�►t for enc��mhranceg of record.Borrower wnsrent� �nd -
<br /> � wfll dcfcnd gcnen�lly the ddc W�c Property against all clairns nnd Acmnnds,sub}cct to any cncumbrnnc�,s of rucord. � �`j.
<br /> i THIS SECURITY INSTRUMEM' com6incs uniform covcnsnts for nadonnl use and non-uniform covcn�nts witA � �..,
<br /> limitcd variadons by jurisdlcUon to consUsuw a uniform securtty inswmcnt covcring rcal pmperty. ��
<br /> IUNIFORM COVENANTS.8omower nnd Lender covennnt and roe av follows:
<br /> � 1. Pnyment af i'rincipal and Interest: PrepAyment and L�te�hargea. Horrowcr shall prompUy puy when due tho ;
<br /> principal of und interest on tha debt evidcnced by tho Note And any prepayment and Iate charges due under 1ho Note. i '
<br /> 2. funds Par Ti axe�And Ynsuramce. Subject�o applicnble lnw or to a wriucn waiver by Lender,BOtPOWCP S�iBII j�y 6D I
<br /> Lendcr on the day me�nthly payments nre due under the Note.undl tho Noto Is puId in full,a sum ('Funda") for: (a) yarly
<br /> tuxcs und assessments which may attaln pdority over this Sxurity Instrument as a lIen on�he Properry;(b)yearly leasehold , ,
<br /> payments or ground rents on 1he Aroperty. if any; (c) yearly hAZaM or propr.rty insurnncc premiums, (d) ycsuly titood �
<br /> insurunce premiums, if eny; (e) yearly mortgage insurance premiums,if any; end (� any sums payable by l�orrower w
<br /> L.ender, in acccordance with the provisIons of paragraph 8,in lleu of the puyr�ent of martgage insursu�ce premiums. 'It�ese i
<br /> items nre called"Escrow Items." Lender may,at any dme,collect und hold Funds in an amount not w excced thc maximum � , '
<br /> amount u fcndcr far a fcdrsally rclatcd rccortgage lor.n m�y require for Borto�rer's escrow rccount un�er iht fesletal Resl ° ,
<br /> Fstate Settlement Procedums Act uf 1974 as emended from dme to time,l2 U.S.C. § 2601 et seq.("RFSPA"),unless another � '�y
<br /> law that applies w the Fund.c sets a Iesser amounG If so,Lender may,at eny time,colloct and hold Funds in an umouni not to � . -�
<br /> exceed the lesser tunoun�Lender may estimate the amount of Funds due on the basis of cunens data and reasonable estimates � , -0
<br /> of expenditures of fuwre Escrow Items or otherwise in accordance with applicable law. ; �
<br /> The Funds shall be held in an instiwtion whose deposits are insured by a federal agency, insu�:mentaliry. or endty � Q i
<br /> (including Lender,if Lender is such en institutian)or in any Federal Home Loan Banic.Lendr,r shall apply 1he Funds to pay ,�!'
<br /> the Fscrow Items. Lertder may not charge Borrower for holding and applying �he Funds, su►nually analyzing the rscmw I . , ;tiF
<br /> ' account, or vedfying the Fscrow Items, unless Lender pays Boirower interest on the Funds and applicabk Iaw permits � -F���+"
<br /> � Lender to muke such a charge. However,Lender may requl�+e Borrower to pay a one-time charge for an independent retil � � _
<br /> estnte tax reporting service used by Lender�n connecdon with this loan,unless applicable law provides othen�vise.Unless an '„
<br /> � agrcement Is made or applicable law requi�s interest to be paid,Lender shaU not be requfred to pay Borrower any interest or � .� �Z!� ��
<br /> ; eM.�sfno�n s.he Fs�stls.AQrrower sr.d Lpnsler tr.sy a,°t+:�in wtiting,h��e��r,that ins�r�����!!M g�iQ o�t!!e g�•t+_�Q. r.�;�r: ---. � ��__-
<br /> shall give to Bocrower,without charge,an annuel accounting of the Funds,showin�crediu nnd debits to the Funds and the �
<br /> � purpose for which each debit to the Funds was made.'Ihe Funds are pledgetl as addidonal security for all sums secured by i ,
<br /> � this Security Instrument �
<br /> If the Funds held by L.ender exceed the amounts permitted to be held by appticable law, Lender shall �ecount to
<br /> Borrower for utie eacess Funds in accardence with the requuementv of applicable law.If lhe amount of the Funds held by �
<br /> I.ender at any dme is not sufficient to pay thc Escrow Items whett due,L�ndcr may so nodfy Borrower in writing,and,in �
<br /> such cnse Bomnwer shtill pay to Lec�der the amount necessary to m�lce up the deficiency. Bomower shali mako up the ° ' � �
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<br /> deficiency in no more than twelve montlily payments,at Lender s sole dIscreaon. t; i
<br /> Upon payment in full of all sums secured by this Security Instrument,Lender shnll prompdy refund W Borrower any , � � ,�I
<br /> Funds held by Lender. If,under paragraph 21,Lender shall acquire or seU the Pioperty, Lcnder,prior to the acquisit'son or �►
<br /> sale of the Property,shaU apply any Funds held by Lender at the time of acquisidon or salc as a credlt against the sums ''�
<br /> sccured by this�ecurity Instrumen� � ,?;.:�,
<br /> 3. Appltcatbn ot Payments. Unless applicabla law provides othenvise, ull payments received by Lenda ureder 8'
<br /> pFUagrnphs 1 und 2 shatl be applied:first,to any prepayment chnrges due under the Note; second,to amounts payebie under •
<br /> paragraph 2;third,to Intemst dua;fourth,to princip�l due;and last,to any late charges due under the Note.
<br /> 4. Char�es; Lkns. Borrower shall pay all taxes, asssssments, charges, fines and fmposirions aaributnble to the �`'
<br /> Property which may auain priority over this Securiry Instrnment,and le�ehold payments or gronnd rents.if any. Boirawa '
<br /> shfill pay these obligations in the manner providod in ptuagraph 2.or if not paid in that ms�nner�Borrower shall pay thcm on %�
<br /> time dir�ecdy to the person owed paymenG Borrower shall prompdy fumish to Lender all no6ces of amounts to be paid under ,'
<br /> this paragraph. If Borrower mnkes these payments diracdy,Bomower shall promptly fumish to Lender roceipts evidencing '
<br /> the paymcnts. ��'•
<br /> Borrower shall prompdy discharge any lien which hs�s priority over this Security Inswment unless Borrower:(a)agroes
<br /> I in wrlang to the payment of the obligaaon sec�ueA by the Gen m a manner acceptable co Lender,(b) contests in good ituth the
<br /> , licn by,or defends against enforcement of thc lien in.Icgal proceedings which in the Lender's opinion operate to prevent the
<br /> enforccment of the lien;or(c)secures from the holder of the tien an agreernent satisfactory to L.cnder suboML►ating the lien to
<br /> ' this Socurity Instrumen�If Lcnder detecmines that any part of the Prope�ty is subjoct to a licn which may aunin priority over
<br /> this Security Instiument,Lender mny give Borrower n notice identifying the lien.Boirower shull satisfy the Qen or tuke orte or
<br /> more of the xrions set fonh above within 10 days of the giving of noace.
<br /> 5. Haza,ed ur Property Insurence. Borro�ver shall koep the imprnvements now existing or hereaftcr croctcd on the �
<br /> Property insurad against loss by 4'u�e,hazards included wiQhin tha term"cxtended coverage"and any other ha7ards, including
<br /> ; flaads or tlooding, for which Lender requires insurnnce. T1tis insurance shall be maintained in 1he amounts 1tr►d
<br /> ACCTN 61482010
<br /> Form 302d 9/90
<br /> O�e1t 1�R1�Bv11neN Fo�m�.InC.�
<br /> i ITEM1916L2(930q Ooc10000000099� fR�8e2oJ6pagea) ioOrOCrGa- i�l00•!10•0703C]fuEtE•7ot•tt71
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