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<br />       "     , ;E;;   	Bomo�ver's esaow a000um under the tedera!Reai F�ate 3ettlement Procedures Act ot 1974 as emended trom time to tV�e,12 U.SC. 		} �� �
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<br /> 		�  	260i et seq-�'RE53'A�,wF�ss an�the*law that aAA¢e.s to the Funds seta a tess¢r amount ti sa le►der may,at any tim��and
<br />    `. ..   ,      '+('   	hotd FunQs in an emounl rtot to�1he tesser amouni Lend�may esUmate ths emewt ot ttmds�e c+n the basd.s o�au�ent da�  	. ;:',��_,�; ."';s:,`.
<br />    	�   ' �S   	end te3sanaDis es23m�tes ot e���hees oi Nt�ue Esaow Items or eih�wLae in a000�danoe�vrtth eypLr�bIa�aw.     					�.��,>:5
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<br /> .  	;   ;, ]       	Tt�e Funds afia9 bts heid in en (nat�+ttlon w!►F e d Hame loan Benic  4en�shaD e�the F��the Esaaw Iteni�� 	�  _. . `;  0.. ��•:::�.:
<br />		, �   	L�+der,8 Lendu is such an G�sffiutJan)or tn enyl ederal   												' ''
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<br />    ,  �.     �,�� ;   	Lendet maY nai cha�9a Bo�rorr�for ftotdmg snd apptytatg the Funds.ennua�i a�y�8 the esao�v se�unt.er ve8y[n9 the Esaow�       		; ,� .
<br />    �    �      ' .,�  	ftert�s.untess lert�r PaYs Borrower h�terest on the Funds and app�.eabte taw P�mtLS Le�da to make sueA a e�►arg°- Haw�rr�I.�dert�   		°Q•..   4.
<br />       ,   . � ,� .�  	may requUe Bortower to pay a one time ed�e tor an inQ�et►dent�eat es�te tmc r��►g s�vtoa used bY lend�fn car►nection�A.�    	:, , 	,: .
<br />      	',;    	this toan.ut�:ess�pS9eaD1e taw provtdes othe�e Untess an agre�neni is made ar aypfimbie taw requ'aes�to be pa�.lendcaL�  	,•,,; :      .:,•+,.
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<br />   	•  .       	aha�rtot�e�ed to pay Bartower any inierest or eam�on ths Fund� Be►rawe and lenQer may ayea tr►wWng.hmveve,thai      	!�- -`-�-�_�. ;,'�:
<br /> - - _'.'.-s,`-'.   	trdere.st sh�7 ha patd on ths Wn�.  Letd�shaH glve tu �orr�wa.w�eh�rga.ete entet�a! axous►Hng of tha Funds, showln9     	- - _ _-   `-�.'
<br />    �    "   .'`;=i:�    	aedts end ct��s to tha Funds end the puryose for wfiteh eac1+de6�to tlie Funds was made. 'ihe Funds are ptedged as addtIonat 		;      -     '.
<br />  •   �      '`'`�   	S@W�IY IM 81 Stt�.'i S�dY-^S�RU$�l(IIShI1tTI�IL   											.  .. �.:..'�C,C
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<br />	. .    .� .; 		R Use FuttQ3 hetd by letder exceed the ame�mts P�tnSted to be heTd by aPP'�ahTe(aw.�►ce�snHn�oco�n to eo��r�me       	.�:. ,_..-; :�.;��::�
<br />       . 	�    	e�caess Wttds be atoordanee v�the�e�enens at e�taw.  n the amount a!tne Eunds hetd by Lendes ai eay tima is not    	�;.;`;�.:' »`.:_,'r:'•,:
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<br /> '     	-�.':,   	st�ert Lo psy Ste Estraw F{eqns rvtte�dtt�Le�tder tnay sa aotHy Borrmr�in wr�ling.end,tn such cese Bormw�sttaU psy to Lender    	£;i;Y.:::,�:,,:`x;.fi,;-�'•;'•:
<br />     	��.�,��    	the amount neoessary to r�tce uP the de6denoY•Beasavra shall meke ua stu3 deIId��y in no more than hve�+re mer�ily,�eymeas.at		s • 	'- .,
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<br />   	'      		��PaYmaR�n tli9 ot aIl stnns senit+ed by this S�/fnsRum�Lca�d�sha�prompUy retuad to 8artaw�arty�Funds A�3d by       	,    	?.�•'
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<br /> 		��,    	Lettder. H under pazac,gaPh 2t.lend�shall a�(re or se6 41te Propeiy,4t�sde.prior to the aCqulsUion or�[e af tlte 1?tnperty,shalt   		.     -- -
<br />       .  .   		appty e�►y funds heid Dy lender et the tirtte af acqutultfon er ssle es e a�h't a�the sums sewsed by this 8eau�*..�rm'.e�t-     	.  �,,..�.;: �:;..,:
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<br />    �   �      ���'       	3.f�pPitc8tlon of�aylmerl88. IJntess aPPL+�6tr�D�sw tmritc�+ef�ervAs�a0 payments�r�by tertd�r��euaSraFhs     	'  �,.+";,;:
<br /> 		'�      									ii��4at�s�ond.to amourts payehte�mQ���� thUd   		•�f'�,--
<br />    �      �  :_  =�   	� �e z st�be app�ea�t w e�r v�►e+�s�a��.  									,�!;;..� �=--_
<br />       '       �`��    	to tnte�t dic�rourth.to pdnc�af du�aad IasL to et�y tate cF"rags�ua�de the lvot�    			. `. 			•    • ��°"`
<br />	.      k ..��  											Hnes 8nd imposftions ath+bu�G3 b Ute Pteper�•     		'�-1�
<br />       	-   		4.Cff�ur{�88',119J18.  8atrow�r sfta9 p3y ell tmoes,;���►�9�•      							f�''�  ..z
<br />		- ''    	,nfifch may at�in pdcrHy aver this Seau'H7/tr�s0um�� sttdt f�sehoid paymeds or ground cenm. U arry.  Borrnvrc�"d'�il pay these       	�  �  �    v-
<br />       ,,	���'   	obLg�aGoa�s In tha ma�►n�pravfded tn aaragwpb 2.or[f r�o��d m tkat mann�Borrow�shaD pay them on Ume du�e to the p�son 		,�.  �-�
<br />	�     f.;,;.	� 					�t o L e m d�r a�naSce.s of�wrts to be patd under ffils para�aph. [��armwer matces		�i�"��   --
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<br />   	v.,:,•.., �   	these paymeits  'd�e�/,BoRaw�sAaU D�RU94 ft¢nisb to Lenda reoet��videncfi9 the Paym�.						�::_�,,  .ET�',f.�`:
<br />.- ..-.  .      ..i:.;		Barravrer shafl pm�tiY�SeherS�enSf:�ras:�htePe tt�f#��Y�itas 3�1 tnsbume�t unlesa Barro�va(a}e�ees tn wt@�g tn      	''.�,  �_.__..,,,,�.,
<br />       •      � �r ,   	the paymeM af the oLsU�6arr seoued C71 tDe Qen in a m�m�aboep�bs to Lertder:(b)oantests in gocd ta@tt the C�3r�ll.Cr detends     	.' �,`
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<br />	�      :�" �:   	e��roroer►�co��im��uc�a.a+.,r�����}�u�'11ie Lendds opinion opeate W pre+rent ihe edar�t�"1Yifa U�;or(c) 		: �""�'
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<br />   •     '    ::� }�   	seaues 5om the R'o1�Ek►yt��1te Qen en a�eement sa�r�to L�t6et su6or�rtatLtg tlte Qen to thEs Saurft�/tc�nwast'� H Lender  	;.    �:r       - _
<br />   .. .	�f:'`    	Qe�Mes tf�at 8nll R�oi the Ru�eny Is s�I�to e Qen rvhlch�y etlain pdo�ity ov�t�Ss Securfly Ins�e��'..,   may gSv�.       ,'`,:;,    ni,;
<br />      	` :.      				t he Q�. g�r.c u��e r s fi a 0 s a t i s[�/t h e D e�a r�o n e a r m o r e o f t h e a c 6 a rt s s d f a r�a tr a f a e'Y., �',4�d 4�',� 	�r�    �       --
<br />       .      •,       	Bartow�a notice ide�U3yin9   											< <   	<, 	.,�_,	-
<br />       			ot tlte glYhtg Ot ootic�      											t      •    		y;�      --
<br /> ''kt�s�G     �     '�'		S.H838T��7      .. `  ��riSUt8t1C9.  Bortawc� eltaA kee�A �,fn1Dro'+�.aaw exTsdng or h�s�i�l,cir thec�' �  r  	.   ,f��`.
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<br />   ----�.-- -- 		pr�aperiy;msure�.a�fnst Idss by fue.ha�.?�inBuded vrhidu:the te�m�Qed coveage'and anyl otha h�rds.��g ftooQs or		,. .  .-�,�
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<br />	.  	-   	4ao�g, tc7ialdch Lend�requUes tnsura5c�  7t►� �ta shaD b�hmfitened fn tfie smaurts m�d tor tAa�SE�a�s thai Lert�er       	:  .�  ..�
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<br /> ,    •  .      '�      	ceQutre.a. 7�e fns�usnee earrter provtdmg the insurarte��k be chose�by Bortowe subjed to lenQ�'s ap�ruve!�aAii:.A sheil not be     		__-z.=-
<br />		;`-.v.   	unreasoRahly w�hhe�d. H Bartovi�faEs to matnian eor�s�i3e Qes�ed abmr�lrnd�may.et Lend�s op�oe�,f�cav�age to     		���=
<br />  :._.  ,   ..� ..; `�  .	pnsiect Letdds dghts tn the Ropary tn so�t�nae wi�i�agwph 7.					�  �>��   , 				'`
<br />   .				AO UlSUrazsoe poHdes ettd tertewats SheD be acc�table to Lender and shaU 6tetude e siandetd ntatt�3e c�a;�3e►sAaO have 		_  •�=
<br />-      			the rtgM ia iratc!the P�es m�d ra�es7s.  N LenQ�cequtres.Borro�++rer sha0 promp4y 9h►e to I.e�C�r aU rea�`i�.;�d prsNu�     •
<br /> -     ,       		and renew�i J�olic2s.  tn tlta evCnt at tass.Bomower shaa give P�mM notiee to the insulanee�rttec and t�nda: t��fa ma�►mak�		. .;;
<br />       			proof ollass a not rtrde GR9�Y b1►���   								.			,    •��   -�-.
<br />�;;,.:, , . 	' :       	Untess L,ertder and Bqusawrer othenvfse a�ee tn mfUng,inswanw P�c�sl�0 be aPPfled to resmra9on o►c�q of the Ptope�l       	,.•:
<br />     •    	`:°;   	damsged.N the restorffilon ar cepah b eeonom:�Y ieasmTe and L�defs seart�yl is not fesse�ed. H the resto�¢n mt repaU ts aat	''. � 	,,;_'•�--
<br />		� � :�     										°ny   								.. .�  _
<br />       			eeonomtrA¢y teasIDte ar I.eider's seau�y►wauld be tess�ied.tha 6�surm�oe D��s�be appCed to the sums seaued Erf,il�let   �  _':��';j<�� :.   	-
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<br />       			gceurHy tnsWmznt whether or rto! ffien du� wiM any exee.ss Pa3d to Hana�rie�  H Bortawe ebandons the ProP�Y ar do��m�;  			—
<br /> `�.,.� .. '      		answer v!�lhD� 30 Qays o natice ftom Lenda tl�at the insurm�ee cartier has ofte�ed to seftte a ctatm.then L�dd,msSt ooVed 1riA
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<br />�:t.   			insutar►ee pmceeda  lender may use the Preceeds to re�or c�estore Ne Froperty or to pay sums seauer�1�Y� �7l 	'`•r   �  ' r�       '�±
<br />      	'ie�;,� r,  	'��vfiethe or not ffien du�The 30day p�ttod wiU begL►when tho notiee b gNa�.			� :       			•�  	-
<br />       •   ,r,t`�#',�'''r       	U�le�s���:ender tu►d Borrower othewl::o a�ee fn wri6n9.e�►aAA4est[on o1 proceeds to pr6►dpal shaD no1 ad��l'rsr pos�ane the
<br /> _�a.  .  .'�<�F i���{c i �:    								1 e n d 2 m c A a n g a t h e a m o u n t o f t h e p a y m r�t a %u n d e r p a r a g r a p h 2 1		� 	�.
<br />   	�  �     	' drt�d�is�;;qt��►N P���edi to in pata�aphs      										• •- .
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<br />   <,•:  			tPu�4tat�'�4�g��+1►Len6¢r.Bo�rowaYs dgAt to anY(ns�uanoe peQetes en0 prooeeds resuffing�m daznaga to the Propery Pctor   	.�.
<br /> ---_  . :  	,�    	Uo 9te tr.�'pi�tan shall � to Lend�r:to the aui�nt M the sums se�aiced E�y tnb 86aurny tnstrument im�edat�►P�or w the 	,'. ;  �o•'�   -
<br />  		.:.'	: ��:,+'   	'   	,  								BCPYawBPs 1.11�iR  •   , ;.;i�:     .  	.
<br /> ,.   �     	t       	6.�Cfrim�� ancy.  Pressivalirm�, ',Mate�8c�nanco afld Proo2actian of the  �a�erlS1:       				.      .
<br />_-			•    ppp��q�{�asshoid�. sorrovi(q ahs�occuDY.es�UsA.ene usa the PO�apeKy es�artotvar's pdnc�pal�i�tca�vll�ln r�y-:� � 		. .
<br />       			,days e ft�Na e�c e a ffi an of thb S e a u�y tr►s�un►ed and sha8 oomfiue to o�y the Proparly as Bomowe�'s pdndpel residentxi far•pt�		.
<br />�'-  		}       �.  _tt�st ane year aftv Me date of oeaipancy. tuitess' l�rtQa� otl�e�wLe a�ee9 in �wtt4ng. vfiidi eonseritt chsfl aa1 be unneasonablyt     		.
<br />  -- 		•	: . 4v8hheld.at uetess e�da�ual2ng dram�a�a exbt wfltch aro beYand Borrewer's�epnhnt. Bomower shaU not assUOY.da�ge or tmpaU 		�     •' ;..�-
<br />-  	�       �   	f�e Propmly.uYow the Property to detebrffi�ar�waste on tAe Froperty. 6ortawer shaU Ee In detauit d m�y toRe�ure at�an ar      		�     �•
<br />       '   	' `     �						Utat in I.aidera good taRh juQ�r�'t ooutd resutt irt taA¢Ptrue of thA P[operry ot oth�visa       	.,�;;'��',�;�t�•  ��
<br />    		i  	p+roceeding��viteMe►•dsr0 or a�nal,ts b�m	e�											...  "�` s; '
<br />      	• 		mafertatty tml�the� Qsn �aicd b1l�s S�rlt� InsbumeM or Lendela se�y 6rt�est  8am�w�may aus auch a Qc�ta�tt and  •
<br />  -     			rdnstat��as provided'!n para�Ah 18.b71�usinp�tllo action or proceed�g to be�smissed v�A a ruLmg theL tn Lendda good taKA   ,
<br />      	. 		detamilnaUan. proa�udes fart�ae W tAo BnnoweMa Ir�res!tn the Propeny or other msieiai impaUmertt o1 the Qe� �ed Oy Ub       	•      �
<br />  _     			Seafdty�Ihstncm�d at lenQefs 6ecia$Y trd�r�2  BaRVeer shs0 atso Ee tn defa�N Batmwa. durtng tRe tean epptIcatlon pr0o�,		,� 	. '
<br />  -     	' �     	gavo m91Q+ta�.Y f�se ar Ineoauate fitomratton ar statemerKS to lendv(ar taIIed to provtQa Lertder wfth t�ny matedaf 4doana�'an) �e 			. .
<br />  -     			oonnecEan w0h the toan e�eneed by the Note.tnctudn�Eut rto!Cmrted to.�epre.senffitians aaneernh�9 Bartnwe�'s ocarpancy o}fhe      	-: --.----    .  .
<br />   •�   			ptapeRy as a prtnefpa)�estdence.  B thts Seauity trssCurttent is an a tPasefsotQ Borrowv shn0 eampiy vhth aD the D�ns af the   		,.
<br />    	•   �       	t�.se. U Bortower so�Ues tee f�fe to the PraA�h 1he tnsehotd end the tea t�te shafl not mergs untess the Ler►der a�ee.s to the  			.
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