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201208297 Mortgagor or Gran[or will pay those verifying and[o[aling assessments and bills. amoun[s ro Lender unless L.ender[ells However, Lender may charge Mor[gagor or Mortgagor or Grantor, in writing, tha[ Grantor for these services if Lender pays MoRgagor or Grantor does no[have[o do Mortgagor or Grantor interest on[he�¢ds so, or unless the law requires otherwise. and if the law peani[s Lender to make such a Mortgagor or Grantor will make those charge. Lender may require Mortgagor or paymen[s at the times required by Lender. Gtan[or to pay a une-time charge for an independent real estate tax reporting service Lender will estitnate from time to tune used by Lender in accordance with the Mor[gagor or Granror's yearly[axes, Secured Debts, unless applicable law assessments, leasehold payments or ground provides o[herwise. Lender will not be rents and insurance ptemiums, which will be required to pay Mor[gagor or Grantor any called the Escrow I[ems. Lender will use interes[or earnings on the Fuuds unless existing assessments and bills and reasonable either(i) Lender and Mortgagor or Gra¢tor estimates of funue assessmen[s and bills. The agree in writing, a[the[ime Mor[gagor or amounts[hat Mor[gagor or Gran[or pays to Grantor signed[his Security Instrument, [hat Lender for Escrow I[ems under this section Lender will pay in[erest on the Funds; or will be called the Funds. Lender will collect ((i)ffie law reyuires Lender to pay in[eres[on and hold Funds in an amount not to exceed the Funds. the ma�num amount a lender for a federally related mor[gage loan may require for ]f[he Funds held by Lender exceed the Mortgagor or Granror's escrow accoun[ �ounts permitted[o be held by applicable under the frxleral Real Estate Settlement (aw, Lender will acwun[ro borrower for the Procedures Ac[of 1974(as amended), unless excess Fuix3s in accordauce with[he another law that applies to ihe Funds sets a requirements of applicable law. If the amount lesser amounL If so, Le�der will collect and of the funds held by Lender a[any tLne is hold Funds in the lesser atnoun[. uot sufficient ro pay[he Escrow Items when Lender will keep the Funds in a savings or due, I.ender may no[ify borrower in writing, banking institution which has its deposits or �. �such case, borrower will pay ro accounLs insured or guaran[eed by a federal Lender the amount uecessary ro make up the or state agency. If Lender is such an shortage or deficiency. Borrower shall make iastitution, Lender may hold the Funds. up the shortage or deficiency as Leuder Lender will use the Funds to pay the Escrow d'uects, subject to[he requirements of Items. Lender will give Mortgagor or applicable law. Grantor, without charge, an annual accounting of the Funds. That accoun[ing If, by reason of auy default under this must show all addi[ions to and deductions Security Instrument, Lencier declazes all from the Funds and the reason for each Secured Debts due and payable, Lender may deduction. then apply any Funds against tlte Secured Debts. Lender may not charge Mortgagor or Grantor for holding or keeping the Funds, When Mortgagor or Grantor has paid all of for using the Funds to pay Escrow Items, the sums secured, Lender will promptly for analyzing Mortgagor or Grantor's refund to Mottgagor or Grantor any Funds paymen[s of Funds, ur for receiving, Ihat are then being held by Lendet. Mott ga Rider USB-MTG-P 3l25:2010 VMP�Benkan SyscemsTM Wohera Kluwer Financial Services�2009 Page 2 ot 3