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<br />, t;� Borrower wvenants that Barrawer is la���tUlly selsed of the estate hereby conveyed and has the right ro �
<br /> — grant and convey the Property, and that the Pmpeity is unencumbered, except for encumbrances of =_
<br />�..�;;� recard. Borrower cavenants that Borrawer warrants and wlll defend generally the title to the Property -=
<br /> _ against aU clalms and demands,sub}eet ta encumbranca of record. �'_
<br /> �� UNIFORM COVSNrRNTS.Borrower and I.ender covenaa:and agree as follows: Q..
<br />_.; � 1. Payment of Princtpal nnd Iaterest.Borrower shall nrompdy p�y when due the pr3nclpal and interest u.
<br /> � indebtedness evldenced by the Note and late chacges as provided in the Note.
<br />`'�"' � �. �nda tor Twces and Iusurance.Stibjcct to applhable law or a vurltten waiver by Leader,Borrower =
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<br /> - shaU pay to Lender on the day monthly pay�uents of principal and iaterest are payable under the Note, _
<br />`-=-_� ;i untit the Note is paid in fl�11, a sum (herein "Ftu►ds") equal to one-tweltth of the yearly taxes and
<br />������'• assessments (Includ(ag condomfnium and planned unit development assessments,lf any)which may attain
<br />��'��"� prlorlty over this D�d of Tcust, and Bround rents on the Property,if any,plus one-twelfth af yearly
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<br />,��;�, premium instaWnents for harard insurance,plus one-twelfth of yearly premium installments for mortgage
<br /> ry=_=""'� insurance, if any, all as reasanably estimated initlally and from time to time by Lender on the basis of
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<br /> �= � assessments and bills and reasonable esdmates thereof. Borrower shall not be obllgated to make such
<br /> ---- payment� of Funds to Lender to the extent that Borrower makes such payments w the holder of a prior
<br /> :':`i�°�;3 mortgage or deed af trust if such holder Is an institutional lender.
<br /> _`_��� If Borrower pays Punds to Lender,the Funds shall be held in an insdtudon the deposits or accounts of
<br /> ,�„Q�,� which are insure�l or guaranteed by a Pederal or st�te agency(including Y..ender if Lender is such an
<br /> °"�'°` _ Institudon). Lender shall apply the F�nds to pay said taxes,assessments, insvrance premiums and ground
<br />—�� rents. I.ender may not charge for so holding and applying the Punds,aaalyzing said account or verlfying
<br /> -_-�• and compiling said assessments and bills, unless Lender pays Borrower interest on the Funds aud
<br /> -=�="'3 applicable law permits Lender to make such a charge. Borrower and I�ender may agree Ia wrlting at the
<br /> ��� time of execution of thls Deed of Ttust that interest on the Funds shall be paid to Borroaer,and unless
<br /> � — such agreement is made or applicable law requires such Interest to be paid,Lender shall not be required to
<br /> --� __ = pay Barmr,rtr au; intsresi Qr �ars�in�on the Funds.L.ender shaU give to Borrower,without charge,an
<br /> -=-_= . annual accounting of the Punds showing eredits and debits to the Funds anci the pucpose for which each
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