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� '� ° 2� 1 ��5572 r ` � � a � 1 under this Section 4.�. Lender ma}�, at any xime, eolIect �.nd hoid Funds in an amoun� �a} suffcient ta pe�~mi� Lender to appty the Funds at the time specified under the Real Estate Sett�ement Procedures Act�"RESPA"}, and �b} not to exceed the maximu�n amaur�� a Iender cai� require �nder RESPA. Lender sha�I �stima�e fl�e amount �f Funds due on the basis of current da�a and reasonable es�imates af expenditures of fu�ure Esc�o«r Items�r otherwise in accordance�ith applicable law. The Funds sl�all be held in an insti�u��on v��lose depflsits are �nsured b}� a federal agenc�, instrumentality, ar entity (includi�ig Lender, if Lender is an insti�ution �vhos� deposits are so insur�d}�r in arly Federal Hom�Lc�an Bank. Ler�d�r shal�apply the Funds�o pay the Escra�v Items no �a�er than the time specif ed undex RESPA. Lender sha�I not charge me for holding and applying the Funds, annua��y analy2ing #he escrovv aecount, or �erifying �he Escraw Itexns, un�ess Lender pays me int�res�on the Funds ar�d appl�cable taw permits Lender ta tnake such a charge. Unle�s an a�reetnen# is tnade in writing or applicable iavv requires ir�terest to be paid on the Funds, Lend�r sha11 not be required tv pay me any interes� or earnings on t�he Funds. Lender and � can agre� �n �ri�ing, howe�er,tha�interest s�ial� be paid an the Funds. Lender shal� pro�ide me,withou�char�e, ar�a�inual accoulxting of the Fu��ds as required by RESPA. If tl�ere i�a surp�us of Funds h�ld in escr�w, as defined under RESPA, Lender sha�� accflun��o me for the excess ft�nds in accordance with R.ESPA. If there is a sho��age of F«nds heid �n escrow, as defined und�r RESPA,L�nder sha1�no�ify m�as required by RESPA,and� shall pay ta Le�der the amaunt t�ec�ssa�r ta nnake up the shor�age in accardance ��vith RESPA, but in no more than I2 mont��ly paymertts. If there is a deficiency of Funds h�ld in escrow, as def�ned under R.ESPA, Lender shaI� na�ify n�e as req u ired by RESPA, and � sha�1 p�y to L�nder rhe ama unt necessary to make up the def ciet�.c�in accor�ance�ith RESPA,but in na mare than 12 mon�hl�payments. C�p�n paymeY�f in fulI of aI� sums secured by tl�e L�ay�L7o�uments, Lender s1ia�I promptIy r�fund to me a�1y Funds held by Lende�•. D. �f the Borro�vers balance has been reduced as a resul� of this new Agreem�nt, it is understaod �hat an��redit life, accident and heal�h,and inva7untary un�mployment insurance wri�en i�i cannection ��vith this loar� has be�n canee�led, and t�iat a.��y refuY�d of u�iearned �remiums ar charges made because of the cance��a�ion of such credit insurance is reflected in the amaunt due unde�• this Agr�ement.E.rceptrn�; rn the st�.te af�`a�ifornia,Life,A&H, and IUI insurance must be cancelled, with refux�ds applied to the ac�aunt pri�r ta entr�of the settIement transaction, ev�rl�hou�h ther� rs no reduc�ion in balance as par�af the settl�me��t. E. zf this l�an has yyMon�hly Add-C�n Premium" Cr�dit 1.ife ar �redit Accxden� & Heal�h znsurance coWera�e, it is underst�ad and agreed that�he�arraurer-s aGcep�ance caf this Agre�ment�ill result in the ca��cellatxon of the above-men�ioned insurances. F, �f the Barr�wer's home o�vners insurance sho��ld �apse,V�e�ls Fargo ��ame Mortgage reserves th�e righ� to place L�nder Placed Insurance tLPi} on �he account. If LPI is placed an the account the monthly payment Gould i��crease.All�t��e�terms of the madif�atia�a Agreemeiit�vill na�be affec��d by the LPr a��d��vill remain i�� effect with accorda�ace to�his Agreement. �. If a�l or any part of the Property ar any interest in th�Propert��s sold or�ransferr�d�ar if Sorro�er is nat a natural p�rson and a beneficial inter�st in Barrower is soid or transferred}�ithout Lender's pric�r writte�a consent, Le�ade� may require immediate pa�men� in full of aIi sums secured by the Loa» Do�ume�zts. If Lender exercises tiiis optifln, Lender shall give $orro�ver notice of acceleratian. The notice shall pravide a period of nat less rhan 3a da�s froni �he date�he na�ice is Wells Fargn CListo��l Nc�n HAMP�6142415 3�S 93��I�� Page 5