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2� 17��2�5
<br /> The Funds�ha��be held in�n institution�uhose depos�ts are insure��y a federal agency, instrum�nta�ity,
<br /> ar er�tity�in�Iuding Lend�r,if Lender is an i�s���ution�vhos�deposits are so iasured)or�n any F�deral
<br /> �am�Lfla�Bank, Ler�d�r shail apply the F�nds t�pay the Escrow�tems na later�han.th.e time spec�fied
<br /> under RESPA, Lender sha11 no�charge Bvrr�w�r for�oiding and appi�ring t�ae Funds,annual�y analyzing
<br /> the escroti�acco�unt,nr verifying the Escrow Items,un�ess�ender pays Barrower interest fln the Funds
<br /> and Applicabl�i.at�v permits Lender to make such a charge.Unless an a�reement is made in�rriting or
<br /> App�icable La�requires interest to be paid on the Funds,L.en�er sha11 not be required�o pay Bo�ro�uer
<br /> any interes�ar earning5 vn the Func�s. Borro�v�r and Lender can agree in writing,howe�er,that interest
<br /> sha11 l�e�aid on the Fund�. Lend�r shall gi��to Bt�rrower,with�ut charge,an annuai accounting of the
<br /> Funds as requ�red by RE��'A.
<br /> �f#here is a surplus of Funds heid rn es�row,as def�ned under ItESPA,Lender sh.a�l a��tiunt to Borro�er
<br /> for the excess funds in accordance�vith R.E SPA. I�there is a shortage af Fun.ds held in escrow,as defined
<br /> under RESPA,Lender sha11 natify B�rra�xrer as required by RESPA,ar�d Barrovc�er�h�i�pay�a Len�er
<br /> the amaunt ne�essary to mai�e up the sh�rta�e i�accordance with RE SPA,but in no more than 1�
<br /> m�nthly payment�. If th�re�s a d�fi�iency of Funds held in escrov�r,�.s d�fi�.ed under RES�A,Lender
<br /> shal�nnti fy Borro�rer a�requi�ed by R.E SFA,and�vrro�ve�shall�a�r��Lender�he amount n�cessary to
<br /> make up the de�ciency in accordan�e�vith R.ESPA,but��.r�o rnare�han. 1�monthly payments.
<br /> Upon payment in fuli of a�l sums s��ured by this 5ecurity Instrument,Lender�hall promptly refund to
<br /> Borrower an.y Funds�aeld by Lender.
<br /> 4. G harge�;L�ens,Borrower sha�l pa�a��taxes, a�sessments, charge�, f�nes, and impa�i�ions at�ributable
<br /> ta the Property�vhich ca�attain priarity�ver this�ecurity�nstrument, �ea�ehold payments�r ground
<br /> rents�n the�'roperty,if an�,and�ornmunity Assoc�at�on Dues,Fees,and Assessments, if any.Tv t�ie
<br /> extent tha�these items are Escrtiv�Items,Borrawer sha�l pa�tY��m in the mar�ner provided in�ection 3.
<br /> Borro�ver shall prornptly discharge any�ien which has priarity over th�s 5��urity 7nstrument unless
<br /> �vrrow�r: �a�agrees in writin�tv the payment of the obli�ation secured by th�lien in a manner
<br /> acceptabie to�Lender,but�n�y s��ang as�arra�ver is�erforming such agreement;�b�contests the Iien in
<br /> gaod faith by,ar defends against enfarcement of the�ien�n, legal proceedings which in Len.der's opinion
<br /> operate�o preven��he�nforc�ment of tk�e�ien t�vhile those proceeding�are pending,but�nly until such
<br /> proceedin�s are concluded;ar(c)secures from the holder af�he�i�n an agre�m�nt sati�factory to Lender
<br /> sub�rdinat�ng the l�en ta this 5ecurity Instrument.If Lender d�termines th�,t any part af the Prop�rty is
<br /> subject to a lien which can attain priority aver this Security Instrument,L�nder rnay gi�re Borra�er a
<br /> notice idexxti�ying the�ien. Within ��days of the dat�on whi�h that notice is given,Borro�er shal�
<br /> satisfy the l��n or tal�e one�r more of the actions set forth abave in this 5ecti�n 4.
<br /> 5. Praperty�nsuranc�.Borr�wer sl�all keep th�impro�emen�s naw existing or hereafter erected on the
<br /> Praperty in�ure�against loss by fire,hazards includ�d�vithi��he�erm"extended co�erage,"and any
<br /> o�he�r hazard5 including,bu�not limited�o,earthquakes and f�oods, for which Lender requires i�surance,
<br /> This ins��rance shall be maintaxned in the am�unts�inc�ud�ng deductible�e�els}and for the periods that
<br /> Lender requires. W�at Lender�requ�res pursuant�a the preeeding sentences can change during the term nf
<br /> the Loan. �"h�insuranc��carri�r prov�d�ng the in�urance shall b�chosen�y Barra�ver subje�t�o Lender'�
<br /> right ta disapprove Borrower's choice,which right sha��n�t be exercise�unreasanab�y.Lender may
<br /> r�quire Borrower t�pay, in connectian with this Laan, either: (a}a one-trme charge foa�fload zone
<br /> d��ermination,certif�catiaa and track.in�s�rvices;or�b}a one-t�me charge for floQd zone�etermination
<br /> and certificat�on services and sub�e u�nt Ghar es each time rema pi�a s or simi�ar chan es occur which
<br /> FHA[]eed of Trust Witf�A�IERS-NE 9134l2�14
<br /> Ba�kers 5ystemsT�^ VMP� VMP4N��lE���5�fi�.fl0
<br /> Wolters Kluwer Financ�al Sene�css Page 6 of 17
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