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<br /> The Funds sha11�e held in an institutian whose deposits ar�insured by a fed�ra�agency, instrurrientalit�,
<br /> or�ntity(including Lender, �f Lend�r is an institution�rhos�deposits are so insured}or in any Federai
<br /> Home Loan$ank. Lender sha11 apply th�Funds t�pay the Escro�v I�ems no�ater than the time specified
<br /> under RESPA. Lender sha11 not�harge�arrower for holding and applying the Funds,annually analyzing
<br /> the escrow account,or ver�fying�h�Escro�Items,unless�end�r pays Borrawer interest on the Funds
<br /> and Ap�licable Law permi�s Lender to make such a charge.U�1ess an agreement is made in�vriting or
<br /> App�icable La�requi.res int�rest t�be paid an the Funds,Lend�r�ha11 not be required to pay Borrower
<br /> any interest or earnings an the Funds. Borro�r�r and Len�er can agree in writing,ho�v�ver,tha��ntere�t
<br /> shatl be paid on the Funds. Lender shal�give to Borrower,tivith��tt c�ar�ge,an annua��c�ount�ng of the
<br /> Funds as r�quired by RE SPA.
<br /> If there is a surplus of Funds held in escro�,as def�ned un�er ItESPA,Lender sha11 account�o Bonfl�er
<br /> for the�xcess funds in accardance with RESPA. If there is a shortag�of Funds held in escraw,as defined
<br /> under RE�PA,I�ender sha11 notify Borrower as required by RESPA,an�Barrower shal�pa�ta Lender
<br /> the amaunt necessa.ry to�ake�.�the shvrtage��n a�co��a������h RE SPA,but�n no more than ��
<br /> mon�hly payments. If there is a deficiency of Fun�s held in escrow,as def�ned under RESPA�,Le�der
<br /> sha�I notify Borr�wer as required b�RESPA�an�B�rtower sha11 pay ta Lender�he amount n�cessary to
<br /> make up the deficiency in accordance�vith RESPA,but in no rnore than 12 monthly payments.
<br /> LTp�n payment in fu11 of a11 sums secured by this Security Instrument,Lender sha11 promptly refu�.d to
<br /> Bo�o�ver an��u�ds�.��d b�Lende�.
<br /> 4. Charges;Liens.�orrower shal�pay all ta.xes, asse�sments, charges, frnes, and impositions at�ributable
<br /> to the Property which can attain priority over this Security Instrument, leasehold payments or ground
<br /> rents an the Property, if any,and Community Association Dues,Fees,and Assessments, if any. To the
<br /> extent that these items ar�Escrow Iten�s,Borro��r shall pa�them in the manner pr��ided ia Sectian 3.
<br /> Borrower sha11 pram.ptly discharge any�ien which has priarity a�er this Seeurity Instrument unless
<br /> Borrower; (a}agrees in writing to the payment of the�bligation secured by�he lien in a manner
<br /> acceptable to Lender,but only so long as Borro�v�r is performing such agreemen�;(b}conte�ts the lien in
<br /> good faith by,or defends aga�nst enforcement of the tien in, Iega1 proceedings which in Lender's opinion
<br /> operate to prevent the enforcement of the lien while thase proceedings ar�p�nding,but Qn1y until such
<br /> proceedings are concluded;�r�c�secures from th�hold�r of the lien an agreement sa�isfactory to Lender
<br /> subordinating the lien to this Security Instrument. �f Lender de�ermines that any pa.rt of�he Praperty is
<br /> subject to a lien which can attain priar�ty over this Security Instrurnent,Lend�r may give Borrawer a
<br /> not�ce identifying�he lien, Within 1�day�of the date on which�hat no��ce is gi�en,Borrower shall
<br /> satisfy the Iien or take one or mare af the actions set forth abo�e in this Section 4.
<br /> 5. P ra per�y I n s u ran ce.�orrower shall keep th�impr�vements no�v existing or hereafter erected an the
<br /> Property insured agair�st loss by fire,hazards included within the ter�m"ex�ended coverage," and an�
<br /> other h�zards including,but not limited t�, earthquakes and floods, for which Lender requires insurance.
<br /> This in�urance shall be mainta�ned in the amounts�including deductible levels�and far�he p�rio�s that
<br /> Lender requires. VVhat Lender r�quires pursuant to the preceding sentences can change during the term of
<br /> the Loan. The�nsurance carrier providing the insurance shall be chosen by$orrower subj ect to Lender's
<br /> r�ght to disapprove B�rro�ver's chaice,�hrch rigl�t sha��n�t be e�erc��ed unreasonab��. I�ender may
<br /> require Borrower to pay, in canneGtivn�rith this Loan,e�ther; (a}a one-trnae charge for fload zone
<br /> determination,c�rtif�catian and tracking ser�ices;ar(b}a one-t�me charge for flood zone d�terminatio�
<br /> and certification ser�ices and subsequent char es each time rema p�ngs or s�milar changes occur�vh�ch
<br /> FHA❑eed af Trust With MERS-NE 9/34/2414
<br /> Bankers Systems�� VMP� VMP4N[NE}[154B}AD
<br /> Wol��rs Ki�rwer Fi�rartc�al 5ervices Page B of 17
<br /> q433597�9684 �z33 353 �617
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