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� r r , ' 2� 1 ��5572 r • � • r i t�: Prior Def�rred Znter�st,appraisa� fees. E. Lender vvi�i foraive ou�standing NSF Fe�es U.S.�4�.�}0. F. Le��der agrees to wai�e all unpaid L�a�e�harg�s in the amount of[�.5.�315.8�. G. The amo�nt af interes�ta be inciuded�capitalized}w�II be�.5.�2,275.�$. H. The amaun�af the Eserow Ad�ance�o be capi�alized will b�U.S.��,055.�9. �. ,�1dd��ior��A�gr��me��s. I a�re�to the fallowing; A. if applicabte, �h� Nate may con�ain pr��isions a[Io��irtg for chat�ges �n the intierest r�� and �he mot��hly payment. The No�e limit�the amaunt �he Borrower's interest rate can change ar any one time and the ma.ximum rate the Barrowers n�ust pay. B. If a bi�e�kiy loan, �he Lflan �rill con�ert to a monthl� pa�Y�nent schedu�e. References irt1 tl�e Loai� Documents to "biwe�kly," ``every t�rv w�eks," and "e��ry other M�nday" shafl be r�ad as "monthly,"except as zt re�ates�o the M�dif ed Maturity Date. �nteres��rill be charged on a 354�day year, divi�ed in�o �w�l�e �l2} segrtr�ents. �nterest charged a� aIl o�her times wil� be computed by multip�ying the interest beari�lg principal ba�ance by the interest rate,di�riding the result by 36�,and then multipiying that �aily int�rest alnoun� by the actual number af days for r�vhich interest is then due. As part of�la� con�ersiaY� fram b�w�ekly ta monthi� payments, an}r automatic wi�hdravval �f paymeiits�auto dra�ing}in e�`ect with Lender far rh�Loan are canc�iied, �. Funds for Escrow �tems. I vvi�l pay to L�nder an th� day payments are due under the Loan Dacuments as amenc�ed �y this Agreement, until the Lnan is pa�d in fu��, a sum �the "Funds"} to prvvi��for pa�me��t af amounts due fo�•: �a}taxes az�d assessments�nd o�her items�rhich can a�tairY priority o��r the Mortga�e as a l�en or �n�umbrance ai7 the Properfiy; �b} leaseha�d paym�nts ar ground re��ts on the Property, if any; �c} premiums for any an� alI i��urance required by Lender ��nder the Loan Dact�ments; �d} n�.ortgage insurance premiurns, if any, ar any s��ms payable to Lender iI] lieu of the pay�i�ent o�' mot�gage insurance premiums in accor�ance �vi�h the Loa�. Documents; and�� any commun�ty associatxon dues, fees, and assessments�h�t L�nd�r requires to b� escro��ed. These it�r��s are called "Escrn��v Items." I �hall promp�Iy furnish �� Lender aI� notices af amoun�s to be paid unde�•fhis Section 4.E. I sha�l pay Lender the Funds for Escro�v Items �xnless Lender waives iny�abli�ation to pa� th� Funds for any or aI� Escraw Ztems. Lender may vrraive my obligatio�� tn pay to Lender Funds for �.ny or a�� Escrow Ztems at any t�me, Any such �vai�er may onl� be i�� wri�ing. In the even�of such vvai�er, � 5ha�1 pay d�r�ct�y, whe�� a�ld where payab�e, the amounts due for any Es�rovv�tems far v�hich pay�n�nt of Funds has been waiWed b�Lender and, if Lend�r requires, shail furnish to Lender recei�ts evidencing such �ayment �ri�hin such time period as Lender n�ay require. My obliga�rot� �o make such payme��ts and to provide receipts shal� for aII purpa�es be deemed ta be a covenant and Agreertnent con�ained in ��e �oa�a Documents, as the phrase"coWenant and Agreement" is used �n the Loan D�cuments. Yf I am a�ligated t�pay Escro� I�ems dire��ly, pu�suan� �a a �vaiWer, and i fai� to pay the a�nount due far an Escrow Item, Lender may exercise i�s rig��s u��der the Loan Documentis ax�d this Agreeme�l�and pay such amount and I shall then be ab�i�ated to repay #o L.ender an� su�h amaunt. Lender rnay rerrc��:e �h� �vaiv�r as �o any or all Es�rornr Items at any time by a natice gi�en in�ccordance with the Loan Documents,and, c�p�n st�ch r��oCat�an, � shail pay to Lender a�I Funds, and �n such amounts, th�� are then re�uired VVells�ar�o Custai�l Nan HAMP��1�201�_3�8 �� A�ge�