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2� 1 ��8387
<br /> Th.e Funds sha�l�e�eD.d r�an�ns�i���ior��nrhas� ���osit�are�nsured�y�federa�agen��r, xnsfrumental�#y,
<br /> or�ntity �inc�uding Lender, if Lender�s a�t���ti�u���n�v`�o�e depos�ts are s�xnsured� �r�n an�r Federal
<br /> Home Loar�Bank. L�r�der s�a���pp��the F�.�d� t� pa�the Escraw Items nv later�han the time specYf�ed
<br /> under RESP.�.. Lender shal�not charge �orra�ver f�r�o�d�ng and appiying the Funds, annually anal�z�ng
<br /> fhe escrow accoun�, ar verxfy�ng�he Escr����t�rns, un�ess Lender pays Bvrrower interes�on the Funds
<br /> and Applica��e La�v permi#s Lender�o make such a�harge. LJn�ess an agreernent is made in writing or
<br /> Applicab�e L�.v�r requires iriterest t❑be p�.�d�n�h� F'un��, Lender sha��no��e required tv pay Barro�rer
<br /> a�y interest vr earnings on the Fun�s. B�rra�v�r and Le�der��n agree in wr��ing, however, that in�erest
<br /> shall be paid ari the F'ur�ds. Lend�r sha�l��ve t�a Sorr�v���°, v�r��hout charge, an annuax accoun�ing of the
<br /> Funds as required��RESPA.
<br /> If�here is a s�rp�us �f F�.nds he�� in escY�o�, as de�ned��n�.er RESPA, Lender sha�X account to Borrower
<br /> f�r the�xce�s fu�ds�n acc�rda�����nr��h�ES�A. 7f t�aere is a�har�age �f F`unds held xn escrow, a�defined
<br /> under RESPA, Lender shal�nat�fy Borr��v�r as req�ir�d b�I�ESPA, and B�rro�ver shall pa�to Lender
<br /> t�e amour�t necessary�o mak�up th�sh�rtag� �n a���rdar�c��ith RESPA, �ut�n no m�r� than 12
<br /> manthly paymen�s. �f�here�s a def���e�c�r�f�`und�h��d�n escrovv, as def�ned under RESPA, Lender
<br /> sha�1 notrfy Borro�ver as requ�red by RIESPA, and Barr�wer sha�l pay tv�ender the amount n�cessa�~�r to
<br /> ma�e up the defic�enc�in accordance�nra�h R�SPA, hut in no more than 1� mvnthly pa�ments.
<br /> Upan pay�mi�ri�i�fu��of aI1 sums se�ured b�thxs S�cur���r��.s�r��ne�.�, Lender shall promptly refund t�
<br /> Sorro�rer ar��Funds he�d�by Le�der.
<br /> 4. �harg�; Lier�S, Borra�er sha��pa�y a�l �a���, assessxn�n�s, �h�rges, f�ne�, and�m.positions attrib�.tab1�
<br /> tv the Praperty�vhich�a�.at���n pr���ri�y o�r�r���s ���r�rity�r��trument, �eas�h�ld paymenfs or gro�n�
<br /> rer�t�an�he Praper�y, if a�y, and C�r�rt����i�y Associ���o�a I�ue�, Fe�s, a�d Assessrnents, �f a�ny. To�h�
<br /> extent tha�the�e i#ems a�re Esc��w It�ms, ��rr��er��a�l pay th�m�n�he m��ner pro�vid�d�n Section 3.
<br /> Barrvwer sha1X prvmpt�y dis�h�rge any 1���which ha� pri�rxt�a�ver�his �ec�rity�nstrument unress
<br /> Bo�rvwer: �a� agrees in wr����g to the payrrie�� ���he �b��g��io�.�ecured b�the iien�n a manner
<br /> accep�ab�e tv Lender, but only so X�ng a���r�o�vv�r is per�'or�in��uch agr�ement; �b} �onfes�s�he lien in
<br /> good faith�y, or defen�s agains�enforce�ment�f�he �ie��n, �egal proceedings vvh��h rn Lender's apxni��
<br /> operate to pre�ent the enforce�nent❑f the 1ie��vhile th��� p��ceed�ngs are pe�nd�ng, �ut an1�un�i�such
<br /> proceedings are c��c�uded; �r �c} secures fro�n�he h��d��o�'the li�n an agreement satisfactory�o Lender
<br /> subordinating the lien to this Security�n�t�u�nent. I�'Lender determines that any part of the Proper�y xs
<br /> subject to a��en�nrhich car�attaxm priori�y a��r�his Se�urit�Znstr�ment, Lender ma�give Borro�er a
<br /> notice xdentifying the lie�. �'��hin 1� da�s�f th� dat�an which�hat no�ic� is given, Borrovver sha1X
<br /> satisfy the�ien ar take one ar naore of the a�r�ion� s�t f�rth abo�re in thxs Secti�n 4.
<br /> �. F�r�perty lnsuran�e. Borrower shaXX��ep����n�pr��ernen#s now existir�g or hereafter erected on the
<br /> Prvper�y�nsured aga�nst��ss b�r f�re, h�zards��cluded vv�thin the ternn "extended coverag�," and any
<br /> o�her hazards�nc�udir�g, but not l�m��e�.��, �arthquakes ar�d fl�ods, for whi�h Lender requxre�insura�ce,
<br /> This�nsurance sha��be ma�ntaxned in the axnvun�s ���clu��ng d�du�tible �e�el�} and for the periods tha�
<br /> Lender requ�res. �hat Lender requ�res pursuant ta the preceding sentences can change during th� term❑f
<br /> the Loan. The insurance carrier pr��iding th�Y�surara�e sha11�e chasen�y�orr�vver subject to Ler�der's
<br /> right t� d�sapprove Borrower's ch�iee, wh��h rig�it sha11 n��be exer�ised unrea�anab��. Lender ma�
<br /> require Borr��ver�❑pay, in co�anecfi�n w��h this Laan, ei�her: �a� a❑ne-tirne charge for flood zone
<br /> determination, certificatian an��racking ser�`��ces; or �b} a❑ne-tinle cha�•g� for flaod ��ne determinatian
<br /> and cert�ficati�r�ser�xces and su�se �.en�ch�� ��s ��ch txnne rer��p xn s or�irm��ar ehan es oc�ur vvh�ch
<br /> ��26D444`7 0����.�o�3z
<br /> FHA Deed of Trust Wit�MERS-NE 91301�0'14
<br /> Bankers SystemsT�^ VMP Q VMP4N(N��('15D5�.QQ
<br /> Wafters Kluwer Financial 5er�ices Page 6 of 17'
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