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2� 17��3�3
<br /> The Funds sha1��e he�d in an institutian�hos�e deposits ar�ins�ret�by a federa�agen�y, i�strumentality,ar
<br /> entity(inc�uding Lender,if Lender is an i�sti�ution whose depo5its are so insured)ar�n any Federal HQme
<br /> Loan Bank.Le�der sha��apply the Funds to pay the Escrow Items no�ater than the time specified under
<br /> RESPA.Lender s�all not c�arge Borrov�rex�for halding and applying the Funds,annua�ly analy2ing the
<br /> escrow account,or�erif�ing the Escr��Items,unless�.ender pays Borrawer int�rest�n the Funds and
<br /> Applicable Law perrnits Lender to make such a charge.Unless an agreement is made in w�riting or
<br /> App�icabre Lav�require�interest to be paid on the�runds,Lender shall not be requxred to pay Borrower any
<br /> interest or earnings on the Funds.Borrow�r and Lender can agre�in�vriting,howe�er�that intere�t�hall b�
<br /> paid on the Funds, Lender shal�give to B�rrower,without�harge,an annua�accounting of the Funds as
<br /> ret�uired.by RESPA.
<br /> I��here�s a sur�lus a�Funds held in escrow,as defined under R.ESpA,Lender sha11 accour�t to Barrower for
<br /> �he excess funds in accardan�e with RESPA.If ther�is a shortage of Funds he�d in escra�v,as defined under
<br /> RESPA,Lender shall notify Borrower as required by RESP�,and Barrower sha�1 pay to Len�ler th�amount
<br /> necessary ta make up�he shvrtage in accordance wi�h RESPA,�ut in no more than �2 m�nthly payments. If
<br /> th�re is a d��cien��af FundS held in escrow,as defined under F,.�SPA,L�end�r shall notify Borrower as
<br /> r�qui.red by RESPA,and Barrov�er shall pay tv Lender�he amount necessary to rnake up the defici�ncy in
<br /> accordance with RE�PA,bu�in no more than 1�month�y payment�.
<br /> Upan pa�ment in full of all sums secured by this S�curity Instrutn�nt,Lender shall prompt�y refund to
<br /> Borrower any Funds held by L�nder.
<br /> 4. �harges;L.ien�.Bvrrower sha1l�ay a�l taxes, assessments,charges, fines, and i�npositions attributa��e to
<br /> the Property which can attai�priority over this Security Instrument, leas�hnld payment�or ground rents an
<br /> the Proper�y, if any,and Community A�sociation Dues,Fee�,and Assessm�nts, �f any. Ta the extent that
<br /> th�se i�ems are�scrow Items,BarrQv�er shall p�y them in the manner pro�ided in Secti�n:�.
<br /> Borrower s�a�l promptiy disch�rg�a�ny l�en which�has priority over this S�curity Instrument unless
<br /> Barrower; (a}agrees in writing to the payment of the obligation secured�y tbe lien in a manner acc�ptab�e
<br /> to�,ender,but only so long as Borro�uer�s performing such agreement;(b)contests the lien in good faith�y,
<br /> or defends against enforc�ment af�he lien in,legal praceed�ngs which in Lender's opinian aperate to prevent
<br /> the enfarcement of the�ien while�h�se proceedings are pending,but only unti�such proceedings ar�
<br /> conc�uded;or(c}secures from the hold�r of the lien an agreement satisfactory to�ender subordinating the
<br /> li�n to�his Security Instrument.If Lender d.etermine�that any part of the Property is subj ect ta a lien which
<br /> can at�ain priori�y over this Security Instrument,Lender may give Borrower a nQ�iGe identifying the lien.
<br /> �Vithin 1�days of the date on�hxch�hat notiee is gi�en,Borrower sha1l satisfy the lien or take one ar more
<br /> of�he actions�et forth abov�in t}�is Sectian�,
<br /> Le�xder may require Borrower to pay a ane-time charge far a real esta�e tax�erif��ati4n andlor repo�ting
<br /> s�rvi�e used by Lender in connectioa�rith this Laan.
<br /> 5. Prv�erty fnsurance.Barrower sha�l keep the imprflvem.ents now exist�ng or hereaf�er erected an the
<br /> Praperty insured against�os�by fue,hazards included within the term"extended co�erage,"an�d any�ther
<br /> hazards including,but not limite�to, earthquakes and flood�, for which Lender requir�s insurance.This
<br /> insurance sha�l be maint.�,ined in the amounts�including deductib�e���els}and for the periads that i.ender
<br /> requires. �hat Lend�r requ�res pursuant ta the preceding senten�es can change during the term of the Lnan.
<br /> The insurance carrier providing the insurance shall�e chosen�y Sorrow�r subj ect to Lender'S righ�to
<br /> disa�prave�Qrrvwer`s�hoiGe,which right shal�not be�xercised�nrea�sonabl�.Lender may require
<br /> Borrower to pay,in connection with this Loan, either: �a}a dne-time charge f�r flood�one determination,
<br /> certification and�racking services;ar�b)a vne-time charge for flaod zone�etermination and certification
<br /> IVE9RASI�A�Single Fam#ly-Fannie Ma�lFreddie Ma�UNIFaRM ENSTRUA+IENT WITH MEF�S Form 3U28 11U1
<br /> VMP� V1VIPfiA�NE}[�342}.4Q
<br /> Wol#ers Kiuwet Financial 5ervices Page 6 af 9T
<br /> q03357��481� 4233 539 ���.7
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