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<br /> obl��ation��pay�a L��der�`ux��s far�ny o�r a��Escro�v It��ns at�.r�y�ixr�.e.A�y s�c�w�.iver maY��Y
<br /> �be�r�wr�t�x�g.In�h�eve�.�o�s�xc�w�tv��•,Ba�xower sh�.�1 pay d�rec���,v�hen�.�.d.�w�ere�aa�able,��e
<br /> a�.�u�a�s c�ue for an��scrov�r I�e�ms f�r wh�c�payr�ent�fFur�ds�ias be��z�aive�b��e�.d�r and,��L�nder
<br /> �equi�res, �ha11 fu.�n�sli�o Lender r����pts ev���nc�g suC�payment�rithi�s�.�h t�me periad�.s L��adex
<br /> rx�a�r�qui��.Baxrov�er's ab�igatia�ta�rn.a��e suc�payme�.�s a��t��rQvi�e�•e��xp�s��.a�1 for�,11�r�rp�s�s
<br /> �e dee�n�c��o�e a covena��a�d agreexne�t co�.�ain��.in�h�s Se��.�r�ty Instr�.ment,as�he�hra.�e"�a�r��aan�
<br /> and a���eern�x��"is used ir�S�ct�on�.Yf B�r�rower is oblxgated ta p�.y Escrov�r�tex�.s di��c�1�,pu��ua�.t��
<br /> �.waiver,ar�d Barr��er fa.�.�.s��pa�r t�c an���un�du�for�n�serov�Item,Lend�r ma�exer��s�its rx�h�s
<br /> u�d�r S�ction 9 a�d pay such�.mo�ant a�d�oxrQw�r sh�.��then be obli�a�ec�ur�der Sec�io�9 to xe�ay��
<br /> Le�.d��a��such a�a�ou.�t,Lender�nay��vok�t��wa�ver as�o any�r a���scr��w I��m.s at any�im.e�y�.
<br /> nfl��ce�iv���n accordar�ce v�i�h�ect�vr� �5 an�.,up�n su�h revo�at�on,B�rr�vv�r sha��p�.y���e�.d�r al�
<br /> ��n��, c'll�(��11 51���7�.a.�.l�.[]l�I1tSy�hat are then requi�ed u�a.der�his Se��i�n 3.
<br /> Lendex•mayy a�any t�r�a.�, ca�1���a�d h��c��'unds i��.r�am�oun��a�suff�cie��t��aermx�L�n�.er�o a�p�y
<br /> t�e Fu�nds a�the����.e spec��'ied u.r�der RE�F'A,ar�d.��n.o��o��.c��d�h��a��mum axnou.nt a ler�d�r can,
<br /> �•��uir�Lu�der 1�ESPA,T.�e�.�ier s1��.��est��na.��tli�a���.nt�f�`�.nds du��n t11e�asis�f c�.r�e�.�data a�1�1
<br /> rea�onab�e es�ixnate�af���ex�d�tur�s�f�utur��s�r�w It��ns a�•o�h��-v�ri���r�accord�.nce�vi�h.�pp�i�a��e
<br /> L�aw,
<br /> �'h�Fun�s sk�a�l�b�h.e�d ir��,��stitu�ian whase��pos��s ar�i�.sure�.by a f�dera�ag�x�cy,�ns�u��.en�a�it�r,
<br /> or�x�ti�r���.��uc�i�g Lend�r, �f�ende�is an i�stit��ion�rh�s�d�posi�s are so i�su���:� �r��any F�de�a�
<br /> �:orne I.aa��3an1�.Lcnd�r��i�.��ap�l��h��u�.ds to p��the Escro�Ite�ns n�Iat�r��.an�he t��m.�s��c��`�ed
<br /> ��dez 1�.ESPA.�:,��.der sha��no���Zarg��3orrow������io�d.ing and app�y����;��.e�`un�s,annu�.�ly a�al�r��n�
<br /> -�he e�crovv�.cc�un�, o�ve�r�f�ring�he�s���w I�er.�s,unless�►���.er��.ys�3��ro�e�i��eres�on�h�Fund�
<br /> an�.�.p��icabl�La�r pe��x�its Len�.er�o rna�e such a��.arge.Urz�ess an agreem�nt�s made in�rr�t��g�r
<br /> Applr�ab�e La�v r�qu�r��ir��er�s�to be paxd o���e��xn�s,�e�c�er��a��not�e requ�re�ta pa�r�orra�v�x
<br /> a�ly i�.ti�re��or�ar�.ings an�the Fu�ds.B�rra�ver�.�,d��r�der�an agre�in�r.��.�i�.�,however,t�a�ir��eres�
<br /> sh�.1�be pa.i�.on t�i�Fund.s. I�en�.�r sha����ve�o�Qrro�ver,v�rx��.4�.t char�e,an an�ua��ccou.��ing af�h�
<br /> �unds as requ�r�d by I�ESpA.
<br /> If�h�r�is a sur�p�u�af Fu�.d�h��d in es�ra��a�de�r�ed u�.d�r R�ESFrA,.,�.��.der s�.a11 accaun�to B�rrovv�r
<br /> �`or�he e�c�ss fur�ds in acc�r�a�c�wi�h 1��PA.If�h�r�is a s��rta�e of Fu�c�s��1�.��.escraw,�.�d.cfin�d
<br /> under l��PA,L��d�r shall na���'y�a�ovver as req�.�re�by I�.��FA,an�.Borro�v�r sha�1 pa��o L�n�.�r
<br /> �h�am.��tnt r�e��ssary�o zr�a�e u�t�.e sho���.g���.a��o�°dar�c��vi����Sl��,�bu�i�r��r�or�than�.�mQnt11I�
<br /> payme��s.I f'��aere is a d�f�c�e�.cy o�F�n ds he l d in escr�v�r,as c�e f�r��d un c�er R E S P A,L�r�t�e�r sha1��o�i�y
<br /> ]���r��ow�r as req�.�r�d by 1�S P A,an d��z�r��rer s�a 1�pay to Len d�r���amau�.�x����ssa�y��inake u�
<br /> �he de���e�.�y xn�c���da�.ce�r���I�SPA,��t�n��rr��r��han 1�rnon�i���a�rm��.�s.
<br /> �Jpa�pa,y�n�nt in fu�10�'all sum�s�cu.r�c�by th�s�e��.r�ty r�stru.xnex��,L��d�r sha11 pram.pt��r�efi�nd to
<br /> L�o�row�r ar��Fund�held by��nd�r,
<br /> 4.���rg�s;Li���.�3arrower sh�.��p�.y all�axes,ass�ssinents,ch�.rg�s,�nes,and�x�pasi�.ans a�tr�bu.�ab��
<br /> �o��.�Pa•c�����y�vvh�c�a�an at�aar�.priori�y aver�h�s Secur�ty I�.strume�.�,�eas��.a�d�aymen�s or�;round.
<br /> re�ts�n th�Prop�r�y, i�`a�ny,and�omrnun��y Asso�ia�i�n Dues,Fees, and�,.sses�rn�n�s,if a��y. '���he
<br /> �xt��.��hat�hese i�e�.s�r��scrov�r Items,I�a�av�rer s�.a��p�.y��.e�n����he��.anner prov�dcd in Sec�i��3,
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<br /> Waiters Kluw�r Ffr�ar�cial S�rvices 20�{�012Q�5,2.�.��98-a�D�l5Q728Y Page 5 af�fT
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