2� 1 ��7218
<br /> The rur�ds shall be held i�1�n instit��Ytion�vhos�d�p�sits�r� ii�su�ed by a fe�eral a�;c�-�c�y, i���strur-nentality,or
<br /> en�i�y�includ�ng Lend�r, if Le��der is ai1 insiitution�hose deposits are so ii���zred}or itl any I�ederal �-�amc
<br /> Lo�n Baalk. Lender shal�apply the I�unds to pay t�hc l:scro�v�tems no la�er than the t�i��ne spec�t�c�tz�adc�r
<br /> �ESpA. �ender shall n�t charge�3ar�ower t�r hoiding�nd applyil�.�the Funds,anr�ual�y analy�ir�g th�
<br /> escrotiv account,or ver�fying the Gs�row�tems,unless Lender pays Borrawer intere�t an�he Tur�ds and
<br /> Applic;able Law permits�ender to make s��ch a char�e. Unless an a�reem�r�t i�made ii�writir��or
<br /> Appli�ab�e Law re�uires interest to be p�id ox7 ti�e���nds,Lender s�hall na��e r�q�rir�d to pay�3��-ra�er an�
<br /> interes�or earnings on the Funds. Bor�o�rer ax�d Lender c;ar�.�gree in tivr�tin�, har�vever, that intcrest �ha�l be
<br /> paid on the Funds. Lender shall give ta Borrotiver,��vithout charge,an annuai acca��nti���;of�h� rt�nds as
<br /> �e�uired by R�SPA.
<br /> �f t��ere is a surplus o�Fu��ds�Yeld iYi escro��,as de�i��cd�rr�dcr I��JS�'�., r.e��dcr s��a�l acco����t �c� �3a��-o�vc�fc��-
<br /> thG cxc��s�unds in ac�ordancc wirh R�SP�1. If thcr� i�a sharta�;c at'�ir�nds hcid in Gscro�v, as dctrncd und��r
<br /> RESPA, Le��de�shal��aotify�3o�•ra�t�er as�•cqu�r-ed by I�H Sk��,a1�d �3ar�ar�v��•s��all pay to I,c��de�-t�ic airic��z��t
<br /> ncc�ssary to mal�c up th� shoi-ta�;c Yn acc�rda�-�cc��ith �LSP�L,bx�t iY�no �norc Yhan 12 ��nonthly pay�-r�cr�ts. �x'
<br /> t��ere is a deficiency of Fu��ds held in esL�o�v,as de�ried�l�adcr�LS�'1�, LeY�dcr Shal� l��qtit� �3pi�'UWCr as
<br /> rcyuir�d by RESPA,and�3or�-o�vcr shall p�.y to L�ndcr thc amo���-�t r�cccssary t�m�kc�rp thc c�cticic�cy i��
<br /> accorda�iGe w���i R�SPA,but ira�io rr�ore t��aii 12 rx�o��t���y paytrtent�.
<br /> �pon paymeri�.in full of al� s��ms 5ecur�d�y�his�`ecurity Instr�zm���t, L:e��c�er sha11 pro�npily r-et�xnd�o
<br /> Borro�ver any Fu�nds held by Lender.
<br /> 4. Ghar�es;Liens.�oi�•o�ver s�all pay all t�x�s, assGssments, char�;es, ti��cs, a��d i�npasitic�ns att�-ib�7table to
<br /> thc�'roperty��hich can at�a�n prxc�rit.y a�cr thi�Sc�ct�rity I��strumcX-�t, lcasch�id paymc��ts�r g�or�n� rcnts on
<br /> the Property, if a1�y, and C�omin��nit�y�ssociatic�n i)u�s, I�ees, a��d�ssessm�nts, if ar�y, "I�o the e:�t�nt that
<br /> thcsc it�ms arc Escro�v 7tems,�a��rar�v�r sha.�l pay thGm in thc��na����cr providcd �n SGctian 3.
<br /> Borrower shall prompt�y�lischarg�any lier�j�vhi�h has priori�y o�er this Security�r�strument��Y�71ess
<br /> �ona�ver; (a}agrees in writi���to the payment of the obligatian sec�lred by the lien in a�na�Y�7er ac�epta�le
<br /> to Lender,�aut anly so Ion�as�3ar�o��rer is perforl�nin�su�:h agreemcr�t; �b}cor�t�sts t�e l�e�� ir�good fai�h by,
<br /> or defends agair��t enforcemel�t of�he l�en in, legal proceedings which rn Lender's opinian operate�o�re�ent
<br /> ihe euforcement of�he lien�vhile those proceedin�s�re pendirl�,but�nly ul�tiii s�zch proceedin�s are
<br /> co�ac���ded;or�c}s��ures from the ho�dcr of t��e l�et�an aureetner�t satisfactoxy to I_er�c�cr s��bordinatin�;the
<br /> 1�e�1 ta this 5ec��rity�rlstrum����, If Lender det�rrnines that any p�rt of th� �'�•c�p�rty is s��bjcct to� licla rvhich
<br /> ca��at�ai�l prior�t�r over this Scct�rity rnstil�inent, I�e��der lnay gi�e I�ax'�o�v�r a�7oticc identifyi���,thc ii�f�.
<br /> �ithi�� 1�days af th�date an�vhich tha�n�ti�e is�;ivcn, �3oi7owc�shall satisty thc li���or•t�ke c�i�c U�•rnc�rc
<br /> of th�actions set fo�-th abo�t�e ix�t�his 5ectioi�4.
<br /> �ender xnay req��ire�3orro�ver to pay a an�-ti�Yle ch�r�,e far�real estate tax vcrifi��tit�n a�ldfor��pox�in�;
<br /> servic:e «��d by L��nder in�;onr�ectic�n with this L�a��.
<br /> 5. Property Insuran�e.Borr��r�r shal�ke�p the improvemen�s now existing or herea�"tcr�re�ted oxl�he
<br /> Froperty insured agairlst loss by fire,h��ards included�v�thin�he�erm"extended co�era�e,"i�17C� �11y 4t�1�1
<br /> hazards i��cludin�,but�1ot�limit�ed t�, eai�thyuak�s a1�d f�loods. f`or�vhi�h Lei�dcr re�uir�s ii�suran�e. This
<br /> insui-a�-��e shall be maintaine� in�he aint�unts(i��cludii��ded��ctib�e le�els}ax�d for thc perio�s that I.cndcr
<br /> r�q��ires, What Lender req�ziY-es purst�ant to th�p�•c�cdin�;s�r�t�e���:es cail ch����;e d��ri���;t��c tcr�-n o#'thc �.o���.
<br /> The ���surar�ce ean�er providi���;�he insurai�ce s�ia.l l b�chosen by�3orrc�wcr subj e�t to �fender`s ri�ht ta
<br /> disapprove Borrow�r's�hoiLe,�vhtch ri�h�shall not b�ex�rcised��nrcasonably, i.ci�dcr�nay rcc�uire
<br /> Bo�-ro�ver to pay, in conilectio��r�rith�his Loan, either: �a}a one-tirne charge for t�lood�c�ne det�cr�nination,
<br /> �ertitiGatian and tracki�ig services; or(b�a or�e-�ime charge�or��ood zane det���tni���ti�i�at�d ccl�titication
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