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2� 15�7�88 <br /> d shali no�c�.ar e�orrower fc�x haldi� and a I in �he�unds annuall ��at :�ir� �he�sc�-o� accaun� ��verif in <br /> � g �3�Y � 3 Y Y � � � � <br /> the��c�ow��ems, ��1ess�en�.er pays Barro�er inte�est on�h�F�n�s an�Ap���cab�e�a�perrni�s Lender��3rna.ke <br /> such a c��rge. Un�ess an agreer�.en�is r�ade in��riti�.g a.��A,p�l i�abl��,aw requi�-�s intere���o be pai�on�he�unds, <br /> Lender�ha��not be re�ui�ed.�o pay�a��o�����y inte���t ax earr��ng�on�he�unds. Borr��er and��nder�an agre� <br /> �n v►�ritin�, h�v�e�er, �ha� �nte�es�shaii be pai� on �he Funds. �ez�c�e�sha�� give to Bo�-r���r, �it�o�z�c�.arge, an <br /> ann���accQu�ti�g�f�he Funds�s re�u�red by�E�P�. <br /> �f�h�re is a�urplus of F�r�ds hc�� in�scrow, ��de�n�d�r�d���ESPA, �er�der��a�i acco�.n�t�B�rr�wer for <br /> ��e excess funds in acca�dan�e��i��F�ESPt�. �f t��re is�sho�ta�e of�u�ds h��d in escra�,as d�f�ned und�r R.ESPA, <br /> L��nder sh����r��ify�orrowe�as�-eqr��r�ed by����'.�, and Borr��ver sha��pa���Len�er t��a�naur��n�c�ssa�-y�o mak� <br /> �p the shar�ag��n ac�orc�ance v�i�h RESP.�.., b�xt xn� no�v���han ���n�nthl��a�rm�n�s. �f�here 'rs a�e�'icienc� ��" <br /> Funds he��in escra�,as def��ed under�ESP.A, �,�nder s�a��no�ify���row�r as required b�R.ES�'A, and Bor�o��r <br /> s�a���ay ta�.ender�h�amaun�necessary�o m��e up���defici�ncy�n ac�or�ance�it��ESpA, b�x�in no mar��har� <br /> - �2 monthiv payrr�.�nts. <br /> �pon paya�nen��n f�l��f a��sums se��.�re�by�his S�curi�r��a�trument, L�nder shat��ramp�l�re�und�o B��rov��� <br /> any Fu�d���Id 1�}��.�nder. <br /> 4. �har�es;�iens. ��rrow�r sha��pay all�axes,as�essme��s,charges, ��es, and irn.���it�ons a��-�bu�a����� <br /> th� Pr�pe�� �hich can ��tain pri�r��y over ���� �ecurit}� ins�rument, �eas�h��d payments o� gro�nd r�nts r�n th� <br /> Praperty, if�ny, and�or�rn�n��y Assa�ia��on I3�.es, Fee�, and A.ssessmen�s, �f any. �'o�he�x�en����t th�se i�erns <br /> are Esc�-a���err�s, BQrra�uer sha��pay ther�in�he manner��a�id�d i�a Sect�on 3. <br /> �3�rra�e�s�a��pr�n�p��y d�s�har�e any Ii e�a�vha��ha���i�ri�a�er�hi s Se�uri��ns�r�zment���ess�orra��r; <br /> �a��gr�es in r��it�ng�o�he paymen�of��he obliga�io�a secu�e��y��ne�ien iz���nanne�acc�ptable�o�.�nder, bu�only <br /> so lang as �orror��er �s p��fQrm���g such ag�-e�men�; ��} can�es�� t�� ��en i� gaa� �a��� b�, or defenc�� ag�inst <br /> enf�r��r��nt�f the�i�n��a, �egal proceedir�gs�vh�c�i��,�nde�'s op2nion�pe�at��o prevent�he�nf�r�emen��f��e�zen <br /> vvhile�hase pr�ceedings are pend�n�, b��on��T un���such prac���ings are��nci�de�; �r��}�e�ures froxn�he�ia�der <br /> Y o�the �i�� a� agr��m�n� �a�isfact�ry �a L��d�r sub�rdinating the Iien �� �h�s ��G�x�tt� �n5t�'u��ri�. �f Le�.der <br /> de�e�m�nes�ha�any part a�t�.e Proper��s subj�ct��a iier��rh�ch ca�.a����n pri4ri�y���e��his Securi�y Ins�rumen�, <br /> L�nd�r�aay give�orro���r a no�i�e i��n�if�ing �he�ien. �ithi� 1 D d�ys af th��a��on��ic�th���oti�e is g�ve�., <br /> Barrawer shal� sa�is���e�ien a��ake�n�ti�m�re�f t�e ac�io�as�e�fo�r�h�bo�e in this��c�ion 4. <br /> �.ender ma��requ����oxro��er��pay a�n�-t�me�harg�fQ�a��a�es�ate�ax�rerif�a��on�ndlor�ep�r��ng serv�ce <br /> �se�.by Lende�in c4nne��i�r�r�°ith�his L.�an. <br /> �o ]Pr�per� �r��u�-ance� Bar�rowe�r s�a�� kee� t�ie �mpr��eanents noti�v �xist�ng or hereaft�r erected an �he <br /> �'raperty�nsured aga�nst�oss by�re, ha�ards inclu��d��i��in t�e ter�"ex��nd�d co���ag�," a.n�an���he�ha�ards <br /> inc�ud�nb, b��n��li�nited�o, �arthq�.ake�and flovds, �or��hi�h Len�er r��uires insur�nce. This i�surance s�al��e <br /> �na�nta��ed i� �he am�un�s �inc�uding d�duct�b�e �evels} and for �he �eriod� �hat Ler�der requir�s. 'Ut�ha� Lender <br /> requ�re�pu�suan��fl�h�pr�ce��ng sentences can c�an�e during t��te�m Qf�he�oan. �'1n�ins�rance carrz��r p�-�v�d�ng <br /> �he insuranc��hai�be��osen by�or��wer subj�c��o�ende�-'s right ta di�approve�3�arro�ver's choic�,which r�gh��hal� <br /> _ �at�e ex��c�se�u��reasanabl�. L�nder�n�y require�3��rav�rer�a pay, ir�c�n�ecti�n with this��am,ei�h�r: �a�a o�e� <br /> �ime c��.rge for f�Qad�one de�ermina��oa�, c�rt�f�ca�ion a�.d��a�king s���ices;or�b�a one-�ime cha�-�e for�lo�d��ne <br /> d�termina��on and�er�if�ca�ion se�vices and subsequ�nt char�es�a�h�:me rem�a�pings oa-sirni�ar chang�s acc��-�hich <br /> r�asflnab�y��ght affec�such de�erminatitin or ce��i�cat�on. Borror��r shal�a�sfl be responsib�e for th��aym�n�o�` <br /> any fe�s imp�sed by the�ec�eara� Eme�g�ncy��nager�en��A�ency�r�conn�ct�an wi�h��e revie�of an��aod�one <br /> deterrn�natio�resul�ia�g f��m an�bj�c�ion�y Ba�-ravv��. <br /> �f Barrawer faii���mai��a�n amy of�he ca�er�ages.�esc�-�bed ab�ve, Len�e��na��b�a�n insurance cov�rage, at <br /> �.ende��s o��ior�and�3or�ro�er's ex�e��e. �,en�er is��de��.��bl�ga�i�n ta p�r��ase any�art�cular�ypc Qr�mount <br /> of coverage. fih��efore, s�c� �ov�rag�shal� caWer�.�nder, �ut rnig��ar�nigh�na�p�at�ct �ar�rQu��a-, Bo�-r��cr'� <br /> �quit�in the Pro�er�y, o��he can�er��s af�he Pr�per�y,aga�ns�an��-isk, ha�ard o�-Iiabi�i�y and��ght p�rov�de g�ea�r <br /> �r �es�er caverage t�a��as pre�ious�y in eff�c�. ��rr�wre��ck��uF�edg�s�hat�he cos��f t�.e ins�rance��v�r�ge�� <br /> ob�ai��d n�i�ht s��nifican��y ex�e�d�he c�s�of insurance�ha�Borrower could have o���i���. 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