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<br /> The Funds shall he held in an�n5t�tution whnse deposits are insur�d b�a federat agency,instrumentality,ar
<br /> entity�inc�uding Lender,if Lender is an instituti�n vvh�se deposits are so insured}a�in a�}�Fed�ra�Hame
<br /> Loan Bank. L�nd�r shalt apply the Funds t�pay th�EsGr�w Items na tater than the time specified unc�er
<br /> RESPA.Lender shall not charge�orrower for holding and app��ing the Funds,annually analy�ing the
<br /> escro�account,or verifyin�th�T�scrow Item�,unl�ss Lender pays�vrrower interest on�he Funds and
<br /> Applicable Law permits Lend�r to mak�su�h a charge. Unless an agre�mett�t is made rn writing or
<br /> Applicable Law requires interest t�be�a�d on the Fr�nds�Lend�r sha�l not be required ta pay Borrower any
<br /> iateres�or earning5 on the Funds.Borrawer and Le�ader can agree in writing,h�vvever,that interest sha11 be
<br /> paid on the Funds. Lender shai�gi�e to Borrow�r,without charge,an annual aecounting of the Funds as
<br /> required�y RESPA.
<br /> If th�re is a surplus of Fur�ds held in escrow,as defined under RESFA,Lender shall account to Borrower for
<br /> the excess funds in accordance with RESPA.If there is a sharta�e of�'unds held in escraw,as def ned under
<br /> RESPA,�ender sha11 aotify Borr�►�ver as required by RESF�,and Borrower shall pa�tfl�,ender the amaunt
<br /> necessary�make up the shortage in accardance with RESPA,but in n�more than 1�mon�hly paym�nts. If
<br /> there is a de�c�ency of Funds held in escrow,as defined under RESPA,Leader sha11 notify Barrower as
<br /> requued by REST'A,and Borro�ver shall pay to Le�d�r the amount necessary to ma�e up the deficiency in
<br /> accardance with IZESPA,but in�ao more than 12 manthly payments.
<br /> Upan pa�rnent in fu11 of a��sums�ecured�by this�ecurity�ns�.rurnent,Lender sh��1 promptly reft�nd ta
<br /> Bono�rer any Funds held by Lender, �
<br /> 4. Charges;Liens.Borraw�r shatl pay all taxes, assessments,charges, f nes, and imposit��ns attributa.ble to
<br /> the Property which can attain priority over this Security Ins�rument, leasehald payments or ground rents on
<br /> the Prop�rty,if aay,and Cammuni�Association I�ues,Fees,and Assessments, if any. T�the extent#hat
<br /> th�se�ter�s a�re Escrow�tems,Borrower sh�l1 pay ther�in the manner p���ided in Section 3.
<br /> Barrower shall promptly discharge any lien which has priarity aver this Sect�rity Ins�rument unless
<br /> Barra�v�r: �a}agree�in�vriting to the payrnent of the obxigatian secured by�he lien in a manner acceptable
<br /> to Lender,bu�anly so long as�orro�er�s p�rforming such agreement;�b)coatests the lien in gaad faith by,
<br /> or defends against enforcernent of the lien�n, legal proceedings which in Lender's opinion operate to prevent
<br /> the eaforcement of the�ien wh��e those proceeding�are peading,but anly until such proceedings are
<br /> �oncluded;or(c}se�ures from the ha�der�f the lien an agr��ment satisfa�tory to Lender subordin.ating the
<br /> lien to�hi�Security Instrument.If Lender determines that any part of the Proper�y is subj ect to a�ien v�hich
<br /> can a��n priority over this Security Instrume�t,Lender ma�give$orrower a notice�den�ifying the tien.
<br /> Within 1�days of the date on whi�h that notice is gi�en,Borrawer sha€1 satisfy the�ie❑or ta.ke one or more
<br /> �f the actians set forth above in this Section 4.
<br /> Lender ma�r�quire Borrower ta pay a ane-time charge for a real estate tax verification andlor reparting
<br /> seivice used by Lender in connection wi�h this Laan.
<br /> 5. Pr�p�rt�Insurance.Borrower sha�1 keep the impravements now existing or hereafter erected on the
<br /> Property�asured agains�l�ss by fire,hazards included within the term"exteaded co�era�e,"and any ather
<br /> hazards including,but na�limited to,earthquakes a�d floods,for whiGh Lender reyuires insuranCe.This
<br /> insuran�e shall be mainta.ined in th�amounts(inc�uding�eductib�e levels)and for�he periods that Lender
<br /> requires. �h.at Leader requires pursuant ta the preceding sentences can change duriag the term of the Loan.
<br /> The insura�ce carrier pro��ding the insurance shall be chasen by Borrower sub�ect to Lender's right t�
<br /> disapprove Borra��r's�hoice,which right shall a�t he exerc�sed unreasonably.Leader may require
<br /> Borro�er t�pay,in connection vvith this Loan,eith�r: �a}a one-time charge for flaod zone determination,
<br /> certification and tracking�er�ices;or�b�a ane-time charge for flo�d zQne determination and certificati�n
<br /> NEgRASf(A-Single Family-Fannie MaelFnedd#e MaG UNIF4RA�I INSTRLIMENT WITH MERS Farm 3�28 110'�
<br /> VMP� VMPBA[NE}{134�}.44
<br /> Woltera Kl�wer Fir�anciaf Se�v�ces Page B afi 17
<br /> q�3345683�75 ��33 �8� �G17
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