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<br /> or�ntity(includin�Lender,if L.�ndex is a�.�n�titu����avhase dep�sits a.r�so i��ur�d}or�n any Feder�l
<br /> I�ame L.�an�3ani�.Lender sha��a�ply th�Fuad��to pa}��he�scr�w Items�o Iat�r than the�i.rn�sp�c�#"�e�
<br /> under R�SPA.L�ader shall not ch�.rg��orr�����or ho�d�n��nd a�piyin�the FundS,annua�ly anal�zing
<br /> �the es�rQ�v a�count,or��rif�ring�he��Gr�w Item.�,���s�I,e�d�r p�.��F.��rro4v�r inter�s��n th�Funds
<br /> and Applicab�e�.�.�perm�ts�,e�.der t�rna�e�u�h�.ch�r�e,CT���ss�n agre�m�r��is r�ad��x��rit�ng or
<br /> App�����1��aw r�quires�nterest ta�e�aid ora�k�e F�nds,���.de��ha�l n�t b�required tv pay S�rrower
<br /> a��inter��t ar eaarni��s Qn the Fu��ds.B�rr�w�r��.c����a��r ea�a,���in�ritim�,�p��v�r,that in�er���
<br /> shail'��paid on the�unds. Lendex�h�.lt�i�e t����r��ver,withou��ch�rge, ��.annual a�ea�.�xt��g of th�
<br /> Funds�s r�quir�d by R�S�'A.
<br /> �f ther��s a 5u.rp�us af Fu�.ds�eld i��s�r��v���d�f�ed und�r R���'A�,I��nd�r sh��l a��ount to�onov�er
<br /> for the exce�s fu�.ds i�accorda�G��vith��FA. �f��.��e is���.or�,��4f Fun�s h��d i�escr��,a�d��x�ed
<br /> und�r II�ESPA,�e�d�r shall n�tif��Q�xower��re����d��?���P�,and�iorrovcrer s�iai��a�t�L�x�de�
<br /> the amflunt nec�ssary ta r€��ke up th�s�n�.�� �n ac��r�a�ce with R�.ES�',A,.,but i�n��x�.ore than��
<br /> nio�.�h���payrnen�. �f t�ere�s a de�'i�ie�cy c�f F��ds�.�ld�n����rov�,�s de��ned under R��I�A,Lender
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<br /> �ar��v�er any�ur�d�h��+�h���x����.
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<br /> gaod fai�h by,�r defends a�ain�t en��gc�na�nt��t��Ii�n in, �e�a��r���ed.�n��v��.ich in Lend�r's�pini�n
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<br /> proG�eding�a.r�conc�ude�l;ar���se�ur���C`��a����alder o�'tb�Ii��a�.a�r���rnea�t sat�5fac��ry t��Le�der
<br /> sub�rdinating th�li��tc���is���u�rity���tr��nept. �f�en�d�r det�rm��n�s�h.�t�my part�F the�rop�rty is
<br /> subj�G�to a�i�n which c�n a�tain pri�rx't�r���r�h�s��curity In�t�nr���t,I�ender�.a�r�iv��orrov�er a
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<br /> satisfy the�i�en or�al�e�n�c�a rr��a���f�h�����o��s�t f��h�.b4��i�th���e��x�n 4.
<br /> a. P'�o�aerty�r�s�ranc��Barra�er shall keep th��n�pr�o��r��nts��vv��ist����r hexe�.ft�r erected on th�
<br /> Propexty xnsure���air�s�t��s���r�r�, h�.��r����.c��d��w���i��h���rm"ext�n�d�d c�ver�g�,"�n�d a�a�
<br /> other hazards inc�uding,�u��.ot�irr��ted to���rthq�a.l���and�.o�ds, f�r�vhich Len�er�equir�s insu.rance.
<br /> This insuraac��ha��be m�i�.tain��d i�the��a.a�nt��i�,��ud��.g ded�.ct�ble Ie�els)an�.fvr the p�r�ads�hat
<br /> L�e�d�r r�quires. �hat Lende�require�puxsu�.�t t��he pr�ceding s�nten�e�can change during t#ze�er�m of
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