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2� 1 �� 1 � 19
<br /> The Funds sh�.lt be he�d in an institution whose deposits ar�insured by a federal agency, instrumental�ty,
<br /> or entity(�ncluding Lender, rf Lender is an instxtution whose deposits are so i�.sured}or in any Federal
<br /> Hame Loan Bank. �.ender shall apply th�Funds to pay th�Escraw Iterns no later than the time specified
<br /> under RESPA.Lender�ha��not charge Barrower for holding and app�ying the Funds,annually analyz�ng
<br /> the escrovv ace�unt,or verifying the Escrow Items,unless Lender pays Banower interest an the Funds
<br /> and Applicable Law per�mits Lender to make such a charge.Un�ess an agreement�s made in writing or
<br /> Appli�able Law requires interest ta be paid on the Funds,Lender sha11 nat be required to pay Borr�wer
<br /> an��nterest or earnings an the Funds. Borrower and Lend�r can agree in writing,however,that interest
<br /> sha�l be paid an the Funds. L�nder shall give to B�rrower,without ch�rge,an ann�al accounting af the
<br /> Funds a�required by RE�PA.
<br /> If there is a surplus of Funds held in escrow,as defined under R.ESPA,Lender shall acc�unt ta Boxrvwer
<br /> for the excess funds in accordance vvith RESPA. If there is a shortage of Funds held in escrow,as defined
<br /> under RESPA,Lender shall notify Borrovver as requued by RESPA,an.d Bonawer shall pay to Lender
<br /> th�amount necessary to make u�the shortage in accordance with I�ESPA,but in no more than ��
<br /> monthly payrnents. If th�re is a defi�iency of Funds held in escrow,as defined under RESPA,Lender
<br /> �hal�nvtify Borrvwer a.�require�by RESPA,an�i Borrower sha11�ay to Lender the amoun�necessary to
<br /> make up the deficiency i.n accordance with RE�PA,but in no more than 12 monthly payments.
<br /> Upon payment in fu�l af all sums secured by this Security�n�trurrient,Lender sha11 promptly refund to
<br /> Borrower any Funds held b�Lender.
<br /> 4, Charges;Liens.Borrower shall pay a11 taxes, assessments, charg�s, fines, and imp�s�ti�ns�ttributable
<br /> t�the l3roper�y wh�ch can attain prrority over th�s Secur��I�strument, teas�ho�d payments�r gro�nd
<br /> rents an the Property, if any,and Camrnunity Association I�ues,Fees,and�,sses�n3ents, if any. To the
<br /> extent that these i��ms are Escrow Items,Borro�er shail pay them in the manner pro�ided in�ection 3.
<br /> Bo�-o�er sha��prompt�y d�scharge a.n�lien�vh�ch has prior�t�over th�s Seeurity Instrum�nt unless
<br /> Borro�ver: [a)agrees in writing to the payment of�he ob���ation seGured by the lien in a manner
<br /> a�cepta��e to Le�.der,but an�y so�ong as Borro�er�s perform�ng su�h agreen�ent; (b�co�.tests�h���en�n
<br /> g�od faith by,ar defend�against enforcement of th�lien in, legal proCeedings wh�ch in Lender's�pinion
<br /> operate to prev�n�the enfarcement of��e�ien while those proceedings are pend�ng,but a��y u�.t��su�h
<br /> praceedings are concluded;or(e}seeures from the holder of the lien an agreement satisfactory to Lender
<br /> subflrdinating th�Iien to this Security Instrument. If Le�der det�rmines that an�part of the property rs
<br /> subject to a lien which can attaia pri�rity ov�r this Security In��rument,Lender may give B�rrotiver a
<br /> notice iden�ifying the Iien. �ithin 1�days of the date an�vhich that notice is given,B�rrower shati
<br /> satisfy the lien or take one or more of the actions set forth ab�ve in this SeGti�n 4.
<br /> �. P ra perty I nsu ran ce.Borrower sha11 keep�the in�pro�ements now existing or h�reafter erected on the
<br /> i'roperty insured aga�nst�ass b�frre,�.azards xncZuded tivithin the term"ext�n.ded c�verage,"and an�
<br /> other hazards including,but not limited to,earthquakes and floads, for which Lend�r requires in�urance.
<br /> �'�is insurance shatl be main#.�ined in the amounts��ncluding deductible leve�s}and fo�r the periads th�.t
<br /> Lender requires. �Vhat L�nder requires pursuan�t to the preced�n�sentences can chang�during the term of
<br /> the Loan.The insurance carrier provid�ng the i�nsuranc�sha11 be Ghosen by Borrawer subject to Lender's
<br /> right to disappro�e Borr�wer's chaice,which r�ght sha11 nat be exerci�ed unreasonably. Len�er may
<br /> require B�rrawer to pay, in canuection wrth this Loan,either: (a�a one-time charge for flood za�.e
<br /> determination,certification and tracking�er�ices;ar(b}a ane-t�me charge far fload zone determi�nation
<br /> and certification ser�ice�and subse uent charges each time rema ings�r�imilar chan es accur which
<br /> FHA Deed of Trust With MERS-NE �13��4
<br /> Ban�ters SystemsTM VMP� VMP4N�NE](154B},40
<br /> Wolters Kluwer Financ�ai Serv�ces Page fi of 17
<br /> qD33513E 258 ��33 348 0617
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