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<br /> Th�Funds sba11 be held in an institution whose dep�s�ts are in�ured�y a feder�.1 ag�n��r,instrumenta.lity,or
<br /> entity�inc�uding Lend�r,if�.e�d�r is�n institu�io�wha�e d�pvsits ar�sa insured}ar in any Federal Home
<br /> Laan Ban1�. Lend�r sha11��ply t�Ze Fu�.ds�to pay the E���r�w��em��o�a�er than the ti.�ne s�ecified under
<br /> RESPA.Lender shal�not char�e Barrower�or holdiag a��appl���.g the�t�nds,�nnu�11�a�aly�ing the
<br /> escrpw account,or�rerif�i�g th�Escro�v�t�ms,uates��.��der p�.��]3�r�ow�r interest or�the Ft�nds and
<br /> Applicabl�L�w�ermit��en�der to x�ak�such a charge.U'nles�ar�agreem�nt i�made�n writi�.g ar
<br /> A�p�icable�a�v requir�s�ntere�t tQ�e�ai�on the Fu��s,��nder sh.��l r�at�e requi.red to pa�Borro�ver any
<br /> inter�st ar ea�nin�s on the Funds.F�vrrQ�ver�r��L�nd+er�a.�a agre�i�.writing�hawever,t�at interest shall be
<br /> paid on t�.e Funds,L�nder�hal1�i�e���arro��r,vv�t�.vut charge,��ar�nual aecounti�g of the Funds as
<br /> requi�ed by 1��P�. �
<br /> If th�re is�surplu��f Fr�n�s h�Id in����o�,�.��e�'in�d u�der R.E��.�4,�.end�r shall a�count to Borrawer far
<br /> the exc��s fun.d����cc°arc�an���vit�.i����..��"the�e��a�ho�g�of Fund��.�ld in�scraw,as defined under
<br /> RESPA,�,�ender sha�l��.ot�fy B�rr���r as req�ir�d�y 1�5�'�.,��d���rov���'���1�ay t�Len�er tl��amQun.t
<br /> neces�r�t�ma���p th���,��rtta��in aGc�ard��.��wi.�h�SP�.,�u��n�.�zr��r��h�u 1���nthl�pa�me�.ts.I�'
<br /> th�re i��.defici�ency a�'Fu���1��1�i�es�cr��, a���fine�u���r����'�,I�e���x�hall�,���fy���avv�r as
<br /> r�qui�r�d by R���'A,�nd��rr��re��h�ll����a T���.��r t���,���nt�������t+��rna��u��t�e�e��i�ncy in
<br /> a+c�vrdan�e�r�th��I'.�,,h�t��.�a����������r��nthl�������.t��
<br /> CJpo�p�ymemt���1�a�'a�l�r�rx���e��ured���h�������i�I���ra�rr��nt,���d�r��all pr����l�r��umd t�
<br /> �3�rra�er an�Fur���held by���d�r.
<br /> �. �h�rg��;L�����F��rarQ�r�r��all��.y���ta��s� �s���sr����s}�������, ����� ��.�d i�pQ�it��ns�ttrib��able to
<br /> th�PrQpe�-ty�vb.�ck��aa����n��i��a�ov�x t�i����urit�����r���t�1��.��l�o�d p�.yna.��.�s�x�r�ur�d xeat��n
<br /> �the PrQpearty,if�n�,��cd��n�rnuni��s�o������n�u��,����,a�.��1�s�s������, i�'�ny, �'�t��ex�ent th�,t
<br /> these it�rns�re�scrov�Iter�s,�orra��r�h��i p�.�#�ex�in tb���,��.�e�pr�vide�im�ectian 3.
<br /> �arro�er�hall prQ�ptly+d���h�r��any 1i��.�v�ich�.a��ric�rit�r Qv��thi�5��urit�r Instr�rrl�nt unless
<br /> �c��row�r: �a��g�r��s im writi��t�t�.�p��rrn�n�v�the c�b�i���ion���ur�d by�1��l��r�ir�a�nann�e�acce�table
<br /> to�.e�der,b�.t a�.ly s��o���s B�rr�w�r is perfv�n�r���u�h a�r���ne�t;�b}�on�e�ts th�lier�i�n�.good faith�y,
<br /> or def�nd�a�ai��t��for�e��nt of th���en xn, 1e��.1 pr�c��d���s wh��h in Le�d�r`s�pinio�v��r�te to prevent
<br /> the enfvrc�n���t af�b���ien�wbil��h�s�pro���dir��s a�r����di���but Qnly uptiY such proce�dir�gs�.re
<br /> ��ncluded;or(c�secu�-es frorn the hald�r a�`the���e�aa�a�ree��n�t s�����aGtory ta I.�n�er subordinatin�tbe
<br /> lie�ta thxs Se�urity�ns����.t.�f I.ent��r����zx�i��s tb��a�.y part of�he�t+�p�rty is�u�j��t ta a lien v�rhich
<br /> can a�i��r�o�t�ov�r th�����ur��r����urxi�nt,Le�.d�r r��.�g�v���rrc��rer a�at�e��d��.t�f���.�t������.
<br /> W�#hin �4 d�.ys�f�h��at�Q�v�h�ch t�.a�na�ti�����i��n,�t�arr��►�tre�s��.11�a�isfy th�li��.or�ak��ne or n1o��
<br /> of th��.cti�ns s�t��r�h aba�ve i�this����iun�.
<br /> Lend�r may r�qu�re�orrcaw�r�ta��y��n��tix��ch�r��far�.r������t��a.�c��rifi��.�i��t�.nd�or���oxting
<br /> ��rvice�sed by L��.der in�o�an��t�o�x t�itk�t�a��I,�an�.
<br /> �. F�rQ perty!��u r�n�e.�arrQ�v�r s�tl�e�p t����pa�o�r�tx��r���no�v e���t�n��r��r����r e�r�ct�d�r��he
<br /> �rapex�t�r��s�r�d a��a.i���lass°���'��,�.a.��x��i����d�����������t��rn�'�xt����d�o�r�rag������d�����h��
<br /> �a���rd���clud��.�,�t�t��t ii�it��t�, �ax�h�r��k���.n��flc�vds,far�rh��������r�ec�uu���ir�su�r���e.Th��
<br /> in�uranG��hall be ma�ntai�e�in the��n���t����clu�ii�g d�d�u�ti�al�l�ti�����a��.�or th�p�xi�d�t��t��nd�r
<br /> r�c�uxre�. Wh��I���.d�r r���i���pur���nt t�th�pr���di�.����t������a�.ch����du.ri�,g��.�t�r��f��ae��n.
<br /> The in��ran�e ca�rri�r���w�din���.�i�sur����sh�l��e��c����b��r�vr���r���ub���t t����d��'s r��ht t�
<br /> d���.gpr�v��orr�w�'�c��ic�,u��x��ri�����.��1 a�������������������c���b��. ���d+�ar x������ui��
<br /> Bc�rro��r�a p�y, lIl�OHI���ti��l irY�����.���(3�I7.��it��r: (������-�i���������`�������c��.�de����i���.i��,
<br /> c�rt�f��a.ti�n�.�d�xa,�l��n�������s;���b������������.�r���`ar�����.��r����t������i�r���x����i�i���i��
<br /> NE�FtAS3CA�5in���F�r�ily�����i��a�lF��il�M��U�liF�R�i tN aT�UA�#�I�l�'�ttlT�i I��I�� �arr��Q��#It��
<br /> VAAP� V�tl�d�{Ai� ��3��).�
<br /> V�lo(t��fCiu►�r Fin�n�iaf���vic� ���������
<br /> qa �4a4� ��� a�3� ��� �,
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