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2� 17� 12�4
<br /> The Funds sha11 be held in an institu�ion.�uhose depo�its are insured by a federal agency, instrumenta�ity,
<br /> or entity�including Lender, if Lender is an institut�on whQse deposits are so insured}or in any Federal
<br /> I�orn�Laan�3an1�. Lender shail apply the Fur�ds tfl pay the Escrow Items no later than the�ime specified
<br /> und�r R.E SPA. L�nder sha�l n�t charge�3orro��r far hQlding and�pplying the Fun�s,annual�y analy2ing
<br /> th�escraw at;count,or�erifying th�E�crow Items,unles�Lender pa�s Borrower�nterest on the Funds
<br /> and Appti�able I�aw permits Lender to make such a�harge.Unless an agreement is made in writ�ng or
<br /> Applicable Law re�uires interest to be pa�id on the Funds,Lender sha11 nat be required to pay Borrower
<br /> any intere�t ar earnin���n the Funds.$orr�wer and Lender can agree in writing,ho�ve�er,that inter�st
<br /> shall be paid.on the Funds. �.ender shall�ive to F3arra�ver,without charge,an annual accauntin�of the
<br /> Funds a�requ��ed by RESPA.
<br /> �f there is a surpius of Funds h�id in esc�ow,as defin�d under RESPA,Lender shall account to Borro�cr
<br /> for�he e�cess funds in accordance w��h RESPA. If there is a sh�r�age of Funds held in escrow,as defined
<br /> under RESPA,Lender shall notify Borr�wer as required by RESPA,and I�orrower shall pay to Lender
<br /> the amount nece�sary to make up the shortage in accordance��vith RESPAs but in no mor�than �2
<br /> m�nthly payments. �f ther�is a defici�n�y of Funds held in escrow,as d�fined under RESpA,Lend�r
<br /> shall notify Bvrrower as required by RESPA,and Borrawer shal�pay to Lender the amount necessary to
<br /> make up the defi�ienc�in accordance�v�th RESPA,but in no more than �2 monthly payments.
<br /> Upo�payment in fu11 of all sums secured by this Security Instrument,L�nder shall promptly refund to
<br /> Banower any Funds held by Lender.
<br /> 4. Charges;Liens.Borrower shat�pay a11 taxes, assessments,charges, fines, and impositions attributab�e
<br /> t�the Propert�which can attain priority o�er this Security Instrumen�, teas�ho�d payments or ground
<br /> rents an the Property, if any,and�omrnunity AssQciation Dues,Fees,a�ad Assessments. if any.Ta the
<br /> extent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3.
<br /> Borrower shall prom�tly dischar�e an�r lien which has priority o�er this Security Instrument ualess
<br /> B�rrower; (a)agrees in writing to the payment of the ab�i�ation secured by t��lien in a rnanner
<br /> acceptable to Lender,but on�y so lang as Barr�wer is performing such agreement; �b�contests the�ien in
<br /> gaod faith by,or defends agairis�enfor�ement of�he lien in,legal praceedings wh�ch in Lender's opini�n
<br /> operate to prevent t�e enforcement af the lien�v�.ile those praceedin�s are pending,but�n1y until such
<br /> proceedings are coneludcd;or�c}secures fram the hold�r�f the lie�an agrcerr�ent satisfac�dry to Lend�r
<br /> subardinatin�the�ien to this Security Instrument. If I...ender determines that any part of the Pr�perty is
<br /> subject t�a Ixen whi��a can atta�n priorit�aver this 5ecuri�y�nstrument,Len�ler may gi�e�orrower a
<br /> notice identifying the�ien. �Vithin 1�days of the date an whieh that nat�ce i�g��en,Borrower shali
<br /> satisfy�he lien�r take one ar more of the ac�ions set forth a�o�e in this Sectian 4.
<br /> 5. Propertylnsu�ance.F3ortawer sha�i k�ep the�mprovements now existing or her�after erected on��e
<br /> Pro�erty�nsured a�ainst loss by fire,ha2ards included within th�term"extended coverage,"and any
<br /> other hazards ir�cluding,but not limi�ed to,earthquakes and floods,for�vhich Lender rec�uir�s insurance,
<br /> This in�uranc�shall be maintained in the amounts�inc�uding deduGtible l�v��s}and for the per�ods that
<br /> Lender requi.res. What Lender requires pursuant to�he preceding sentences�an chan�e during the term�f
<br /> the�aan, The insuranee carrier providrng the insurance sha11 l�e chasen b��orro�rer subject to Lender's
<br /> right to disapprove Bonower's�haice,v�hich right sha11 not be exercised unreasanably. Lender may
<br /> require Barrower to pay,in corinection wzth this I�oan,either: �a}a one-time charge for flaad zone
<br /> dete�rninatian,certif"tcatian and tracking ser�ices;or�b)a one-time charge for flood zane de�erminatior�
<br /> and certi�ca�ion ser�ices and subsequent charges each time remappin s or simi�ar changes occur which
<br /> FHA Deed of Trust With MERS-NE 9134I2�14
<br /> 6ankers Sy�temsT�^ VMP @ VMP4N(NE](45Q6}.Q�
<br /> Wolter,Kluwer Finar�ciai 5ervices Page 6 of 17
<br /> q�33718���482 4�33 351 0617
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