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2� 1 ��2198 The F�nds shal�be held in a�.institution v�rhose d�posits are insured by a fed�eral agency, instrum�nta.lity, or entity(including Lender� if Lender is an insti�ution whase depos�ts are so insured)or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than�he time specified under�ESFA.Lender shali not charge�orrower for holding and applying t�e�unds, annually analyzing the escrow accaunt,or verifying the Escrow Items, un�ess Lender pays Borrower interest on the Funds and Applicable Law permits I�ender to ma1�e such a charge. Unless an agreement is made in writing or Applicable Law requires interest to b�paid on th�Funds,Lender sha�t not be requixed to pay Barrov�rer any interest or earnings an the Funds. Borro�er and Lender can agree in wr�ting, �.owever,�hat interes� sha11 be paid on the Fun�.s. Lender sha11�ive to Bar�rower,withaut charge,an annual accou�ting of tlae Fu�ds as requir�d by RESPA. If there is a surplus of Funds held in escrow,as defined under RESPA, Lender sha11 account to Barrower for the excess funds in acc�rc�anc�vvith RESPA. �f there is a sh�x�tage of Funds he�d in escrow,as defined under RESPA, Lender sha��natify Barro�ver as required by RESPA, and Borrower sha11 pay to Lender the amount necessar�to make up the shortage in accordance with RESPA,but in na more than �2 manthly payments. If there is a deficieney of Funds held in escrow,as def ned under RESPA,Lend�r shall notify Borrower as required by RESPA,and Barro�vv�r sha11 pay to Lender the amount necessary to make u�the defici�ncy in accordance with RESPA,but in no more than 1�monthly payme�ts. Upon payment in full of a�l sums secured by this Secur��y Instrument, Lender sha11 prompt�y refund to Barro�rer any Funds held by Lender. 4. Charges;Liens.Borrower sha1l pay all taxes, asse�sments, charges, #"ines, and impositions attribu�a.ble to the Property tvhich can atta.in priority over this Se�urity Instrum�nt, 1�asehald payments or ground rents o�the Praperty, �f any,and Carnmunity 1�ssc��iation I]ues,Fees,and Assessments, if any. �o t�ae extent that these�tems are Escrow Items,Bon�wer shall pay�hem in th�manner pro�ided in Section 3. Borrower shall promp�ly dis�harge any lien which has priority over this Security Instrument unless Borrovver: (a}agrees in w�riting to the payment of the obligation secured by the Iien in a manner acceptable to Lender,bu�only so long as�orrower is performing such agreement; �b}con�es�s the lien in �00�1 faith by,ar defends against enforcement of t�e �ien in, legal proceedings�vh�ch�n Lender's opinion operate to pr��ent the enforcement of the lien�u�ile those proceed�ngs are pending,but only until such praceedings are canc�uded;or(c�secures from the ho�der of the lien an agreement satisfactory to Lender subordinating the�ien to this Se�urity Instrum�nt. If Lender deter�ines that any p�rt of the Propert��s subject to a lien vvh�ch can attain pr�ority over this Security Instrument,Lender may give Bono��r a notic�identrfying the 1ien. Withit� 1�days of the date on vvhich that notice is given, Borrower sha11 sati��the Iien or t�.ke one or more af�he actions set forth above in this�ection�. 5. Praperty Insurance.Borrower sha111�eep the improvements now existing or hereafter erected on th� Froper�y insured agains�loss by fire,hazards included within the term"extended coverage,"and any other ha�ards including�but not�imited to, earthquakes and floods, for which Lender requires insurance. This insurance sha11 be main�ained in�he amaunts(including deductib�e�e�els}and for the periods that Lender requires.�Tha�Lender r�qu�res pursua�t�o th.e preceding sentences can ch.an.ge during the terrr�o� the Loan. The insurance carr�er praviding the insurance sh��1 be chosen by Borrawer subject to Lend�r's right to disappro�e Borrotiver's choice,�vhich right shall not be exercised unreasonably.Lender may require�$orrawer to pay,in connection with tbis Loan, either: ta}a one-tim�c�arg�for flood zone determit�ation,certif ca�ion and tracking services;or(b}a one-time charge for flood zane determination and cer�ification ser�vi�es and sub�equent charges each tim�remappings or simi�ar changes occu�r which FHA Deed of Trust Vllith MERS-NE 913012Q94 Banke�s SystemsT^�+ VMP� VMP�N�NE}[15�5}.40 Woiter�s Kluwer Financial Services Page 6 of 17 q�335385�889 ��33 359 4617