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<br /> If the amount of the Funds held by Lender,together with the future monthly installments of Funds payable prior to
<br /> the due dates of taaces,assessments,insurance premiums and ground rents,shall exceed the amount required to pay said
<br /> taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option,
<br /> either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the
<br /> Funds held by Lender shall not be sufficient to pay taaces, assessments, insurance premiums and ground rents as they
<br /> fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as
<br /> Lender may require.
<br /> Upon payment in full of all sums secured by this Deed of Trust, Lender shall promptly refund to Bonower any
<br /> Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by
<br /> Lender,Lender shall apply,no later than immediately prior to the sale of the Property or its acquisition by Lender,any
<br /> Funds held by Lender at the time of application as a credit against the sums secured by this Deed of Trust.
<br /> 3.Application of Payments.Unless applicable law provides otherwise,all payments received by Lender unde.r the
<br /> Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by
<br /> Borrower under pazagraph 2 hereof,then to interest payable on the Note,and then to the principal of the Note.
<br /> 4. Prior Mortgages and Deeds of Trust; Charges; Liens.Bonower shall perform all of Borrower's obligations
<br /> under any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust,
<br /> including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes,
<br /> assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this
<br /> Deed of Trust,and leasehold payments or ground rents,if any.
<br /> 5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
<br /> insured against loss by fire, hazards included within the term "extended coverage," and such other hazards as Lender
<br /> may require and in such amounts and for such periods as Lender may require.
<br /> The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender;
<br /> provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in
<br /> a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender.
<br /> Lender shall have the right to hold the policies and renewals thereof,subject to the terms of any mortgage,deed of trust
<br /> or other security agreement with a lien which has priority over this Deed of Trust.
<br /> In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make
<br /> proof of loss if not made prompdy by Bonower.
<br /> If the Property is abandoned by Borrower,or if Borrower fails to respond to I.ender within 30 days from the date
<br /> notice is mailed by Lender to Bonower that the insurance carrier offers to setde a claim for insurance benefits,Lender is
<br /> authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property
<br /> or to the sums secured by this Deed of Trust.
<br /> 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments.
<br /> Bonower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the
<br /> Property and shall comply with the provisions of any lease if this Deed of Trust is on a leasehold.If this Deed of Trust is
<br /> on a unit in a condominium or a planned unit development,Borrower shall perform al1 of Borrower's obligations under
<br /> the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and
<br /> regulations of the condominium or planned unit development,and constituent documents.
<br /> 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this
<br /> Deed of Trust,or if any action or proceeding is commenced which materially affects Lender's interest in the Property,
<br /> then Lender, at Lender's option, upon notice to Bonower, may make such appearances,disburse such sums, including
<br /> reasonable attorneys' fees,and take such action as is necessary to protect Lender's interest. If Lender required mortgage
<br /> insurance as a condition of making the loan secured by this Deed of Trust,Bonower shall pay the premiums required to
<br /> maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with
<br /> Borrower's and Lender's written agreement or applicable law.
<br /> Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall
<br /> become additional indebtedness of Borrower secured by this Deed of Trust.Unless Bonower and Lender agree to other
<br /> terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof.
<br /> Nothing contained in this pazagraph 7 shall require Lender to incw any expense or take any action hereunder.
<br /> 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property,
<br /> provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related
<br /> to Lender's interest in the Property.
<br /> Initials:
<br /> ��-76(NE)�saos� Page 3 of 6 `�Form 3828
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