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2� 1 ��875 � . � . . , . Lender n�a�, at any time, collect a»d lzold Fu�lds in an amount �a} sufficient to permit Lender to apply the Funds at the time specified under the Real Estate Settiement Prncedures Act �"RESPA"�, and �b} no� to exceed the maxirn�iin amo�int a lender can requi�e under RESPA. Lender shal� estimate tlie amount of Fu��ds due oil the basis of current data and reasanable estimates of expenditures of future Escrow Items or otherwise i�l a�cordance with appli�able law. The Funds sha�I be held in an insti�ution whose deposits are insured by a federal agency, instrurnenta�ity, or entity �ineluding Lender, if Lender is an institution whose deposits are sa insur�d}or in any Federal Home Laan Bank.Lender shall apply the Funds to pay the Escro�v�tems no later than t��e time specified under RESPA. Let�der shaI� not charge me for holding and applying the Funds, annually analy�ing th� escrow account, or veri fying the Escrow Items, unless Lender pays me tnteres�an the Funds and applicable 1aw permits Lender ta make such a charge. Unles�an agreetnent is inade in wrifsng or applicable Iaw requires interest to he paid on the Funds, Lender sl�a�� nat be required to pay me any interes�or earnings on the Funds. Lender and I can agree in writii�g, havrre�er,that anterest shall be paid an the Futids, Lender sha�l pr�vide me,without charge, an annual account�ng of the Funds as required by RESPA, If there is a �urp[us of Funds he[d in escrow, as def ned under RESPA,Lender shall accaunt�o me for t��e exeess fuiids in accordance v►rith �ESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender sha�l nvtify me as required by RESPA,and I shall pay�o Len�ier the amaunt tiecessar�r ta �nake up the shortag� �n accordance wi�h RESPA, bu� in na more than 12 mo�lthly payments. �f there is a deficieney �f Funds held in es�row, as defined under RESPA, Lend�r sha�� r�oti fy me as re�uired by RESPA, and I shal l pay to Lender the amo unt neCessary to rnake up the deficiency in accardance with RESPA,but in no rnvre than 12 mvnthly payments. Upan payment in fu[I af a�t sums secured b�tE�� Laan Documen�s, Lender sha�l pramptly r�fund to me any Funds held by Lender. D. If the Borrowers ba�ance has been reduced as a result of this nevv Agreem�nt, it is und�rstavd that any credit life, accident and health, and inwoluntary unemployment insurance written in connectian with this loan has been cancelled, and that aa�y refund of unearned premiums or charges made because of t�ie cancel�ation of such credit insuran�e is reflected in the amaunt due under this Agreemei�t.E�cceptron:in the stafe of Ca�ifornia,Life,A&H,and ICJI insurance must be cancelIed, with refunds applied to the account prior to entry of th�settlement transaction, e�en though there is no reduc�ioil in balance as part of the setkle�nent. E. If�hts loan �Yas "Monthl� Add-��1 Premium" Credit Life or �`redit Accident B� Health Insurance co�erage, it is understood and agreed that th�gorrowers acceptance of this Agreement wilI result in the cancellation of the above-mentinned insurances. F. If tl�e Borrower's home owners �i�surance shauld lapse, Wells Fargo Hame 1Vlortgage reserves the ri�ht to p�ace Lender PIaced insurance {LPY j an the account. If LPI is placed on the accounf the monthly payment could increase.All ather terms of the modificatxon Agreement vrrill no�be affected b�the LPI and wi�� remain in effect with accordance to�his Agre�rnent. G. If all or a��y part of tl�e Properry or any interesr in the Pr�perty is�old or transferred[ar if Borrower is not a natural pers�n and a beneficial interest in Borrower is so�d or transferred)without Lender's pri�r written consent, Lender may requ�re immediate payrnent in fu�� of alI sums secured b� the Loai� Documents. [f Lender �xercises this option, Lender shali give Borrower notice of ac�eleration. The notice shall prv�tde a period af nat Iess tl7an 3n days fram the date the notice is delivered or mailed �vithin which Borrower must pay all sums secured by the Laan Documents. If Borrower fails to pay the�e s«ms priar to the expirati�n of th�s period, Lender may it�vo�e any Wells Fargn L,ustam Nan HAMP 082620I6_36$ �3�I�� f'a ge S