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<br /> 2� 1 ���557 i
<br /> �f Y.�nd�r recei.�es a pa�rn�a.�f�om B orro�rer for a delinquen�Periodic Paym�n�whic�h i.nclud�s a su�fzczerit amount
<br /> to pay any Ia�e�harge du�,the payn�.�nf m.a�b�a��I�ed to��.�de�inqu�n��ayment and fhe�afie�harge.��mvr��han Qne
<br /> Peri�di�Paymen�is ot�ts�anding, L�nder may apP1Y anY paym�nt rec�ived.froxn�orr�wer��t�e r��aayzx�ent af fh.e
<br /> ��rivdi�Pa�zxa.�nts xf,and fo#�z�ex�en�that,�ach gayzn�n�can be pa�d�.n.fu�I.T�#h�exten��h.�.��ny excess e�c�.sts after
<br /> fihe�ayrnextf is ap�Iied�fl the full payrnent of�ne ar m�re Feri4dz��ayzr�.�nfs,�r.ch��xc�s�may be applie�.�a�.a.y�ate
<br /> �harg�s due,Voluntary�prepaynaent�shall b�agp�ied f�r�to any prepaym.en�charg�s and then as d�scrib�d in�he 1�1�t�.
<br /> .Any applicatian af p�.ym�n�,zn�urance praceed�,ar 1�zsceilaneou�Praceeds�a prine�pal dt�e under��e N�f�shall
<br /> nvi��xtend ar po��ne�h�du�da�e,�r chan��#he am�unt,���e��riocli.c Paymen��s.
<br /> 3.�'unds far���rnw�t�rns.Barrov�rer s�.al��ay���.ender on�e�.ay Pen.odi�Paymen�s axe due t�xa�.er�he�flte,
<br /> un���he Nat�zs pa.zd�,�.fu�I,a$um���"Funds")ta pravi.d�for�ayment of amounts du�far:�a}�a�es ar��.ass�ssmen��
<br /> and Qth�r i#�ems�h�c�x�an attain�riority av�r#�xis Security Ins#rum�n�as a I�.�n�r�nctzmbranc� an the Frop�xty;
<br /> �b��.ease�.ol�.paymen�s or graund ren.t���.fl�.e PrflP�rtY�x�a�Y����Pr��%ums far any an�.a.�I�nsux-ance require�b}►Lender
<br /> under�ec�ifln S;and�d�Mortgage Insurax�.c�gr�xxx�ums,if az�.y�or any sums.�aya�I�by Barrower��L�end�r in��eu af the �
<br /> paymen�of Mortgage Znsurar�ce�remiwms in ac�4rdance�ith�h�pr�vis�ons❑f 5ectzon �.�.The�e�.tems ar��al���
<br /> "Escrow Ztems.",A� vriguiation ar�f any tim� dwring th��erxn o�fihe�anx �.�nder may requir�tha� �vmmun.i�
<br /> Association Du�s,Fe�s,and Asses�n�nts,�fany3 b�escrawed by Borrovc�er,and such d�xes,fee�s an�.assessxn�n�s s�xall b�e
<br /> an �scrow I�fem. Bonower s�h.al�ptamp�l.y fixm.�sh to L�nd�r a1�notices af am4un�s ta be paid und�r��is S�c�c�n,
<br /> BQzxawe�shal�pay Lenc�er fh�Funds for EScra�r��ems uxxle�s L�nder waxves SorrQ�rer's a�Iiga�.ax�ta pay fh��unds for �
<br /> any Qr a�I Escra���fezns.Lendermay waiv�Borrowe�'��bl.i.gat�an to pay�o Lender Funds��r any ar a�I�scro��Zfems at
<br /> any time.Ari.y such Vvaiver may Qnl��e ixz writing.In fihe evenf of such waiv�r,�orrower shai�pay direc��y,wh�n ant�
<br /> wh�re pa�abl�,the amoun��due for any Es�row�tems�ar wh�cY�payment��Ftz.n.ds ha�been waiVed by Lender and.,zf
<br /> �er�der req�.ires, s�Z�I.I furn�sh to Len��r r�cezpts�vid�nG�x�.g�uc�pa�men�vc�it�u�a�u��.time perzod as�ender may ,
<br /> r�equire.B�rrower's ab�zgation tv make�uc�paymen�s artd to p�ov�ti�recezp�shall f�r a.���urp�s�es be de��ed to be a
<br /> cflvenan�and agreem�n�canta�n�d in thzs��curity��strumen�,a.��h.e phrase�`cflvenan�an�agreement"is U.sed zn��z�n i
<br /> 9.If B orr�wer is�b].iga�e�d t��ay�scr4�X�em�dix�e��.y�}�ur�uan��o a,ti�raxver,and goz�aw�r fa��s tg pa�th��a�ux�t�ue
<br /> fQr an Escrow���m,�.�nder�nay�x�r�zse��s righ�under Section�and pay�u�h amaunt and�Barr�wer shal��h�n be
<br /> abliga�ed uxa.der��cti�n 9�o repay��L�nder any such amoun�.Lex�d�r may rev��e th.��aiver as to an�ar aI�Escrov�
<br /> �tems a�any�zme�ry a notice g�v�n ux acc�rd�rr.�,e vt�z�h.Sectivn].�and,upan su�h zevocation,Bvrra��er s�al�pay f�
<br /> i.�nder alI Funds�and izx sueh amounfs,#h�f ar�f�xen rec�uire�.under�hi.s Sectzan 3. �
<br /> L�nder may,a�any�im�,�oZ�ecf and hold Funds in an amoun��a�sufF�%en�f�pernu�Len�.er fa a�pzy�h.e Fund�a�
<br /> the t�me specxf�d unde�RES�A,and�h�nofi to�xc��d th.�max�m�.m am��t a�snd�r can requir�und.er�E��A.L�nde�
<br /> ,�ha1.I es�.mafe the am�un�af Funds due on th.e ba.sis of�urrent dat�and reasona�ale�stimates�f�x�end���s of future
<br /> Escr�w��t�xns��athez�wi.s�in�ccordan.Ge w�th App�icab�e�.aw� .
<br /> The Fu��s sha�l be held in an ins�ti�utifln�hose d�pvszts are zz�sured by�federai a�gency,znstru.men���y,�r enti�y
<br /> �xn�ludzng Lenc�er,if Lender z�an institu.tion whose d�p�sz��are so uzs�ar�.�or�n any Federa�Home L�an Ba�k.L,�nder
<br /> sha�.1 ap�ly�h��'unds�o pay fhe Escr�ti����r.�s na l.at�r�.h�th�time sp��ifx�d under R.�S�'A.Lentler s�ZaYI n�Q�ck�arge
<br /> S�rrower for hal�.ing and ap�Xyin,g the Fimd�,annua��y anal�zing�h�escrour��ca�,�,or v�rifying#he Escrow��ezn�,
<br /> unl�ss��nder pay��arra�vver in�erest an th�Funds and Ap�ali.ea.��e Law p�tmi.ts Lender��mak�such a charge.Ux�Iess an
<br /> agreexne�.�is made zn wxzt�ng or Apg�ieab��Law requxre�xnteres��o be pazd ax��h�Fuxx.ds,Lend�r sha�I�ot�be r�qu�red tQ
<br /> pay Bar3rt�wer ax�.�in�er�s�oF�arnuxgs an�he Funds.��rra�'�r and Lend�r��x�.agr�e in writing,however,that�ntere�t
<br /> �sh��.�b�p�.id an i�he�unds,Len�er sha�give to�or.�n�we�,w�#hout cl�arge,�n annual aG�ounti�g af�.he Ftu�zds as x�equired.
<br /> by RESPA.
<br /> �f ther�'s a surpxus�f Funds h��d�n escraw,as defined un�ler�ESFA,L�nder s�a�l.accaun#�o.Barraw�r for the
<br /> excess funds in accord.�nce�ri.th R�SPA.�f thexe��a shartage o�Funds he��zn escra�.y�as defined unde�-R.ES�A.��end.er
<br /> shal�xzo�ify�3 axrQu�er as required by RESPA,and.S�rro�vez sh�.�I�ay���end�r�he amount necessary��r znake up the
<br /> shortage u�.accardanc�wi�h�ESPA,bu�in n❑mgre than�.�m�nthly�ayme�.#s.�f fher�is a defz�ienc�r a�`�unds helt��
<br /> escrow,as�efin�d.under]�.ESPA,�..en�ez shall r�otify B�rro�.ver a.s requi.r�d by.�ES PA,an��orrvwer s�.a�.�.�ay�o I�enc�er
<br /> �h�amoun�n�cessa�ry t�xx�ake up�.e tieficzen.��zn accg�d�n.ce v�th RES�A,bu�in n�xnore�t�zan 1.2 monthl�paymenfs.
<br /> N�B�A�KA�ingI�Famil}�-Fa.�nie I�aetFred���'Ma�t�N[FaRI�1N�TRUMENT ` Forr����8 �Ja�
<br /> Page�4 o�F�3 .
<br /> r�s,ir�.�s�� Borrv�ter�s}�ni�ials� -�
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