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2� 1 ��527 The Funds sha�l be he��n an institution whose deposi��a.re insured by a federal ag�ncy, instrumentality, or ent��inc�uding Len.der, if Lender is an institu�ion whose depos��s are so insured}or in any Federat Hame Loan Bank. Lender sha��appt��he Funds to pay the Escrow Items no later than the time specified under R.ESPA.Lender sha��not charge F3orrower for holdxng an�.applying the Funds, annua��y analyzi�g the escrow account,ar v�rifying the Escraw Items,unless Lender pays Borrower inter�s�on the Funds and Applicable Law permits Ler�der to make such a charge.Unless an agreemen�is made in writing or Appticable Law requires interest�o be paid on the Funds,Lender sha1l not be r�quir�d t�pay��rr��ver any inter�st ar earnings on the Funds. Barrower and L�nder can agree in writing,ha�ever,that interest sha11 be paid on the Funds. Lender sha11 gi�e to B�rrower,without charge,an anrival accounting of the Funds as required by RESPA. If there�s a su�rplus of Fund�held�n escro�,as defined under RESPA,Lender sha11 accaunt ta Borrow�r for the excess funds in accordance with RESPA. If there is a shortage of Fu�ds he�d in escro�v,as defined under RE SPA,Lender s}�all notify Borrower as r�quired by RE SPA,and Bor�rower shall pay to Lender the amount necessary�o�nake up the shortage in ac�ordance with RESPA,but�n n�mare than 12 monthly payments. If ther�is a defciency of Funds held in escrow,as defined under RESPA,Lender shal�no�ify Borrower as requued by RESPA,and Borro�ver shall pay to Lender the amount necessary to make up�he deficiency in accord�.nce with RESPA,but in na mare than 12 monthly paymen.ts. Upon payment in ful�of all sums secured by this Security Instrument, Lender shall prorrYptly refund to Borrower any Funds held by Lender. 4. Charges;Liens.Borrower sha11 pay all taxes, a�sessments, charges, fxnes, and impositions attributa.�le to the Property which�an attain priority over this Security Instrument, leasehald payments or ground rents an the Property, if any,and Community Association Dues,Fees, a�.d Assessments, if any. To the ex�ent that these items are Escrow Items,Borrower shall pa�them in the manrxer pro�ided in SeGtion 3. Borrow�r sha11 promptly dxscharge any lien which has priority over this Security Instrument unles� Borrow�r: (a}agrees in vvriting to the paymen�t of�he obligation secured by the lien in a manner accepta.ble to Lender,but only so long as��rro�er is p�rforming such agreement; (b}cantests�he lien in good fa�th by,or defends against enforcement of the lien in, �egal�roceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings are concluded;or�c}secure�fram the holder of the lren an agreement satisfa�tory ta Lender subordinating�h�li�n to this Security Instr�ment. If Lender determines that an�r pa.rt of the Property is subject to a lien which can attain prior�ty over�his Secur��Ins�ru.ment,Lender ma�give Borrower a notice identifying the lien. Within 1�days�f the date on which that notice is given�Barrower shal� satisfy the lien ar take on�or more of th�actions s�t forth abo�e in th�s Section 4. 5. Pro perty I n s u ran ce.Bnnower sha11�eep the improvements now existing or hereaft�r erected on the Property i�s�.red against loss by fire,ha�ards�ncluded�ithin t��term"extended c��erage," and an� other hazards including,but not limited to, earthquakes and floods, for which Lend�r requires insurance. This insurance sba�i be mainta.ined in the amount��including deductib�e�e�e�s)and for the per�ods that Lender requires. �Vb.at Lender require�pursuant to the pr�ced�ng sentences can change during the t�rm�f the Loan. The insurance carrier providing the insurance shall be chosen by Borro�er subject�o Lend�r's right to disappro�e Barro�v'er's choice,which right sha11 no�be exercised unreasonably. Lender may requ�.r�Borrower to payA in cannection w��h�t�i�s Loan, either: (a)a one-t�me charge for flood zone determina�ion,certification and track�ng ser�ices; or(b}a one-time charge for fload zone de�ermination and certifieation ser�ices and subsequent charges each time remappin s or similar chan es occur which FHA Deed of Trust With MERS-NE 9f3�12�14 Bankers SystemsT�+ VMP C� VMP4N(NE}(1545}AQ Wolters I(luwer F€nar�cia)Services Page 6 af 17 q�335054�393 0233 3�6 ��17