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�f��i.� � .� . . ��y%�' ;'�`IY!)�. . �!`� � .N. . . .. . . ..�. ' �1'. ��... • � . .. .. .. ..� . .. `. � :•u-. 1 ' . �•. • '..Ylti:i�i. i � �.�.r"-�� ' � Borrowers oscrow account under the federai Real Estete Settlement Procedures Act ol 1974 as emenced hom Ikn�to tk►N, 12 U.B.C. �..s':t.�.�_^'- 2601 e►e�q.("FiESPA'), unles�another law that applies to the Funds sets a Iesser flmount. It so,Lender mty, �t any tlmr,Co1Ma1�nd i� ;�� ;,s__ hold Funds h an amount not to exceed the lesser amount. Lender may estimate the amount of funds due on ths bteis of curnnl dtt� � `4 � ond reasonabfe estlmetes ot expenditures of futuro Escrow Items or othernise in accordance with applfcable Inw. ._; The Funds shatl be held h an Institutlon whose deposits are insured by a federal apency, Instrumentality, or entRy (frcludk�p(� - , . _°• LMder, if Lender Is such an Institutlon) or In any Federal Home Loan Bank. Lender 6hall apply the Funds to pay the E6Crow ItMns.y : _ LMder may not charqe Bort�wer for holdinp and applyinp the Funds, annualy uneyzhq the escrow acaount, or veri(ylnq th� Eacrow � ` �..' It«nt,unM1� Londw pays Bortowa fnterest on th�Funds and appl�able law permAS Lender to make such a charpe. Howwar,Lendor h„� •,..-�.' rrµy requin Bortow�r to pay a one�tlme charpe tor an independent rerl estete tax repoRhp s�rv�e used by Lendx In conmotbn wRh ' ..�:�� thls ban, unNas oppNCabb kw providea otherwise. Unfess an agreement is mado or appilcflble Iaw requlros Interest to be peid, Londer� ehatl not be requind lo pay Bortowsr any hterest or earninps on the Funds. Bortower and Lender may apree h wrkinp, however,that •. ,� !.Jp�µ,=�`—' :� ht�rest shpN De pald on the Funds. Lender shall gNe to Bonower, without charge,an annual accuunthg of the Funds, showhg 0 :�:;t;��a�. ��'�._,�• +� ""'� Crodks end debfls to the Funds and the purpose tor whfch each debit to the Funds was made. The Funds are pledged as addRbnai � �.�___ �.�_-- securky for flli sums secured by this SecurNy Instrument. ��'_�"-- . ;e,�•_ If the Funds held by Lender exceed the amounts permitted to be hold by appl�Cable law,Lender shall account to Bortower for the ,..,.t;.•—... exCess Fund6 in aCCOrdance with the requkements of AppllCable lav�. If the amount of the Funds held by Lender at any tkne is not �'� '_".,:-_ suHicknt to pay the Escrow Items when due,Lender may so notHy Borcower h writing,and,fn cuch case Borrowar shell pay to Lender '•:_. 1?.; the amaunt nec�ssary to maks up the def�ienCy. Bonower shali make up the de(biency in no more than twelve monthly psyments, at �: Lenders soM discrotbn.