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<br /> the escrow account, or verifying the Escrow Items, unless Leiider pays Borrower interest on the Funds
<br /> and Applicable Law perinits Lender to znalce such a charge. Unless an agreeinent is snade in writing or
<br /> Applicable Law requires interest to be paid on tha Funds, Lender shall not be required ta pay Borrower
<br /> any interest or earnings on the Runds. Borrawer and Lender can agree in writing, however, that interest
<br /> shall be paid on the Funds. I,ender shall give to Borrower, without charge, an annual accoun�ing of the
<br /> �'unds as renuired by RESPA.
<br /> If there is a surp�us of Funds held in escrow, as defned under RESPA, Lender shall account to Barrower
<br /> for tlle excess funds in accardance with RESPA, Tf there is a shortage af Funds held in escrow, as defined
<br /> under RESPA, Lender sha11 noti�y Borrower as required by R�SPA, and Borrower shall pay to Lencfer
<br /> Uie ayriuunl tieces�nry Lu rnake up fY►e shortag�in accordance with 12E5PA, but in no more than 12
<br /> inonthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lander
<br /> shall notify Borrowar as required by RESPA, and Bnrrower shall pay to Lender the ainount necessary to
<br /> inake up the deficie��cy in accordance with RESPA, but in no mor�than 12 monthly payznents.
<br /> Upon paymenC in fiill of aIl sunzs secured 6y this Sectu•ity Instnunent, Lender shall proinptly refund to
<br /> Borxower any I'unds helcl by Lender.
<br /> 4. Charges; L.iens. Borrower shall pay all taxes, assessmenfs, charges, fnes, and impositions aetributable
<br /> to the Property which can attain priarity over this Securiry Instruinent, leasehold payinents ar ground
<br /> rents on t11e Property, if any, and Cnmmunity Assaciation Dues, Fees, and Assessments, if any. To the
<br /> extent thai these items are Escrow Iteins, Borrower shall pay tliein in the manner provided in Section 3.
<br /> Borro�ver shail proinptly discharge any lien which has priority over this Security Tnstrument unless
<br /> Borrower: (a) agrees in writing ta the payanent of the obligation secured by the lien in a manner
<br /> acceptable to Lender, but only so long as Borrower is perforining such agr��ment; (b}contests the lien in
<br /> good faith by, or defends against enforceinent of the 3ien in, legal proceedings which in Lender's opinion
<br /> operatc to prcvcnt thc cnfarcement of the lien while those proceedings are pending, but only�mtil sucI�
<br /> proceedings are concluded; or(c)secures froin the holder of the lien an agreeinent satisfactory to I,ender
<br /> subordinaling lhe lien t.o this Security�Instruinent. Tf L,ender detennines that any pact of the Property is
<br /> subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a
<br /> nofice identifying the lien. Witl�in 10 days aF the date on which that aaotice is given, Iiorrower shall
<br /> salisfy the lien or take one or inore of the actions set forth above in this Section 4.
<br /> 5. Proper'�y InsuranCe. Borrou�er shal!keep the improvements now existing or hereafter erected ou the
<br /> Pxoperty insured against loss by fire, hazards included within the terin"extended coverage," and any
<br /> o[her hazards including, but nofi liinit�d ta, earthc�uake�and floods, for which Lender requires insuranee.
<br /> This insuranee shall I�e inaintained in the ainounts{including deductible leveis}and for the periods tht�t
<br /> I,ender requires. Wh�t Lender requires pursuant to the preceding sentences can change during the term nf
<br /> Che Loan, The insurance carriar providing tl�e insurance stnall be chosen by Borrower subject to Lender"s
<br /> right to disapprove�orrower's choice, which right sha11 not be exercised unreasonably. Lender�nay
<br /> require Borrower to p�y, in coimection wiih this Laan, either: (a) a one-time charge for flood zone
<br /> deterinination, c�rCification and tracking ser�ices; or (b) a one-time ch�rge for flood zone deterinination
<br /> and certifscation servicas and subsequent charges each tiine reinappings or siuular changes occur which
<br /> reasoiu�bly might affect such determination ar c�rfification. Borrower shall also be responsih]e For the
<br /> payinent of any fees iinposed by the F�deral E��iergezacy Management Agency in connection with the
<br /> review of any flood zone deterinination resulting fi•oin an objecCion by Borrower.
<br /> 94515C�2956
<br /> FHA Deed oi Trust-NE 9J30l201d
<br /> Benkers Systemsn.+ VMP O VM P4R{NG;(15Q21.61
<br /> Wolters Kluw er Financial Services Page 6 of 1 fi
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