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<br /> vvai�re Bo�rravver's obli�a��an �a pay�a Lendez rur�ds for any ar a��Escro��r I�ems at any�ime. Any s��ch waiver n�.ay
<br /> onl�be in w�iting. In t��e e�en�of such v4raive�, Borrc�vver sha�l pay d�rectly, vs�hen anc��vhere payal�le, t�e�.moun�s
<br /> due for any Esc�o�I�ems f�� wh�ch pa�ment af Funds h�s �een vvaived by L�;nder and, if L�nder requ�res, shall
<br /> furnish �o Lend�r receipts eviden�ir�g such payment wit�in such �ime period as Lender may require, Borrovver'�
<br /> o�liga��an �o make such paymen.ts and t�provide receipt� �ha�l for a�l �urposes b� deexnec��a be a c�venant ���d
<br /> agreemen��an�ained�n�h�s �ecurity�ns�ru�erit, as�he phra�e "c�venant and agreemen�" �s used in Sec�ion 9. �f
<br /> Box�rov�er xs abXigated�o pay Escrow I�ems dixe���y,pursuan��o a waiver, and Bnrra�ver fails ta pay�he a��oun�due
<br /> for ari Escrow Item, Lender rnay e�erc�se�ts righ�s unde�r Sec�ior�9 an.d pay such amoun�and Borrovver sha�1�he�be
<br /> ob�igated undex�ecti�n 9 ta re�ay to Lender any su�h amaun�. Lender may revoke the vvaiv�r as�o ar�y or a�l Es�row
<br /> Xte�ns a�a�y�irr��by�.na��ce g�vem in accorda�c�wit�a Sec�ion 14�and, �.�pon such revocatio�, Bor�•ower sha�I pa���
<br /> L�nder, ail Funds, and in suc�i a�noun�s, �ha�are�hen requ�red under th�s �ec�ion 3,
<br /> Len�er may, at any���a�c, c��lect and ho�d Funds in an an�aun��a}suffici���t tn p�r�nz�Lex�der to app�y�he�,unds
<br /> at�he time spec�fied und�r RESPA, and�b}not to e�.ceed the max�mu�n amoun�a�ender can requtr�under R.E�PA.
<br /> Lender shail es�it��ate�he a�noun�of Funds due on�he bas�s of curr�nt da�a and reasonab��es�in�.aties of expendi�ures
<br /> of fu�ure Escraw��ems or o�herwise im accordance with App�xcal�ie La�v.
<br /> The Funds sha��be he�d �n an insti�u�ian vvhose deposi�s are�r�sured by a federa� agency, i��strumeri�ali�y, or
<br /> entity �including Lender, �f Lei�der is an��st�tu�ion vvhose depos�ts a�re so insured} or ir�an� Federa� I�ome Loan
<br /> Bank. L�nder shal�app�y�he Funds�o p�.y�he Esc�ow I��ins nn�ater�han�he tinle specified under RESPA. Len�er
<br /> sha11 no��harge Bar�ower fo�h�lding and�.ppl�ing�he F�:�nds, a��nua��y ana�y��ng�he esc�rov�account, or verifyix�g
<br /> the Escxow I�ems, unl�ss Ler�d�r pays Borrower i17�er�s�an th�Funds and Applic�.��e L,�v�perm�ts Lender�o ma�Ce
<br /> such a char�e. Unless an agreement�U n�ad�it��rritir�g�r Applxcab�e Law requires�n�eres�to be paia�a�t�he Funds,
<br /> Lender s�a11 not be r�quired�o pa�B�rxoulex an�interes�a�ea.rn�ngs an�he Funds, B�rrt�wer and Le�der can agree
<br /> zn�vr�t�ng, �awever, tha� xnteres�shall be pa�c� on �he Funds. Lender sha�i gi�re�a]�arrowerc, urithout charge, an
<br /> an�ua� accaun�ing af the Funds a.s required b��ESPA,
<br /> If there is�.su�p�us of�'ur�ds he�d in escrow, as de�ned under�ESPA, Lenc�er sha1X account to�orrower for
<br /> the e�cess funds in ac�ordan�e�vith PtE�PA. If�here�s a sho��age of Fun�s he�d�n escravv,as defined under RESPA,
<br /> Le�ader s�aall notify Borrov�rer as requ�red by RES�A, and Borrowe�r sha���ay�o Lender�he amaunt necessary to xnake
<br /> up�he shor�age ir� accordance vUith RESPA, 1�u� in no mare tiha�� 12 n�anth�y payme�ts. �f there�s a defic�enc� of
<br /> Funds held ir�escrow, as defined�under R.E�PA, L�nder shal�no�ify}3orrower as required�by RESPA, and B�rrower
<br /> shall pay�o Lender�he amoun�necessary�o�na��e up�he def�c�ency in�cco�dance wi�h R.ESPA, bu�in no m�re�han
<br /> �2 mor��hly payrnen�s.
<br /> Upon�aymen��n ful�oTa�l sums s�ecur�d�by this�e�u�•ity z�a��rumen�,Lender shall promp��y refurid to�o�rawer
<br /> an�Fu�ads�e�c�by Le�der.
<br /> 4. �lha����; L���.�� Bn�rov�er sh�ll pa�a.1��axe�, ass�ssxx�en�s,charges, f�n�s, and�mpositions�.t�r�bu�a��e�a
<br /> the Properti� inrhtch ca�. at�ain priority o�er �his Securi�� �ns�ru�nen�, �ea�ehQld paym�r��s or ground ren�s �n the
<br /> Proper�y, if any, and�o�n�luni�y A��oexation Dues, Fees, and As��ssmen�s, if any. To the extent�ha�these i�ems
<br /> are Esc�aw��e��ns, Bor�ra�ver sha��pay�hexal ir��h�manner provic�ed in �ec�ian 3,
<br /> Bo�rov�rer sha��promptly �isc�arge any l�en which has prio�ity o�er�his Security Instirument u�]ess Barrov�er:
<br /> �a}a�rEes in writi�g�o�he payment af the obligat�on secured by t��e��en in a mann�r ac�ep�abie ta Lender, but on�y
<br /> �a lon� a� Bararawer i� perform�ng such agrcemen�; �b� can�est� th� lien in gaod faith by, or defends agains�
<br /> enfo�rcement of�he�i�n in, legal proc�ed�ngs which in Lend�r's�pzz�ic�n opera�e�o pre�ent the enForcemen�of�he�xen
<br /> while those proceedings are�aendxng, b�.��only unti� suc��ro�e�ding��xe concluc�ed; or�c}s�cures fro�n�he ho�der
<br /> o�' the �xen an a�reement sa�isfa�tor�r �o Lender subordinat�n� th� lien t� �h�s ��cu�rity �ns�ru���n�, If Lender
<br /> de�ermi�.es t�aa�any parti of�he�'rop�r�y�s s�'bjec�to a�ien wh�ch�a�a at�ain prior��y n�er t�is �ecu�i�y Instrumen�,
<br /> Lender ma�give�arrower a���ice id�n�ifyin� the lie�a. �Ti�hin 1�da�s of�he date���v4rhic�,�ha�r�at�ce is�iven,
<br /> Borrov�rer s�aa11 sa�isfy�he��en or�al�e ane or more af t�e actio��� �et for�h abave�ri�his Sec��an 4.
<br /> Lend�r n�ay�requ�ir�Borrt�w�r�o pay a one�time cha��e fa�a rea�estat�tax�erificati�n andlor reporting�e�vice
<br /> used by Lender�t�connec�ion v�ri�h this L�an:
<br /> hIEBRAShCA-Singie F'amily-UN�FC�f�M INuT�UME�lT � �����������
<br /> M�DIFIED F4R�7EPARTMENT �F VET��ANS AFF�IR� � �IE�S www.cl�cm�gic,cam
<br /> [Rev. �1��} �ag� 5 �� �4�
<br /> ���n �.4
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