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. 4Y 'W 11M.�YKY ;•'R�!Yl.. �mn'R''.��-� . .. , _ .- ,t.r ___. _. � i► nM+e.{KY, .. .' �.: " . . . . ,� �- . . ' �„ ` . , ,��AITq y� •� l��.sT y• ` ' ' - -.. '�' .. _—___._'_"._..—_--. � 1'.'! , � , . '1..��`7aMYFW�R.' ' � _ ,�020'7 5 ..� ; � � � fsach momhly instAllment fo�items lal.lb)�und(c)sh�ll equal one twclfth oi'the annual amounis.as reasonably ostimatod ' by l.ender,plua an amount sufficient�a maintuin an additianpl balance of not marc�han cme•sfxth oP thc estima�od amou�tc. The i'uU unnual amount for each itemi�hc pmount collected in�ru t�ta n Yh1ems(a1i b)anid(c)befure theyCbecoma de)nquenta �� ,y,�- .��,.� become delinquent.Lendcr chall hald ` � " If at any time the tutal oi the payments held by l.ender for items IA),(b),and(c1,togethe�wi�h ihe Puturc monthly paymem� � �. ;�'<:a;,�,�� for such items payable to l.ender priar ta thc due dates oi'such items,excceds by more than one-sixth the estimated amounl _ -_ ��'{ •�• of payments required to pay such ilcros when duc. and if paymenlg on the Note are current.�hen Lcndc�shall cithe�refund v_ � _- �- �.,�'., , ��,.`�'.;, �heexcessover one-�c'h a��he o�t ao of�omowerplP the1 to alcof the pay�nentsxmnde�by Bar�ower or hemgle)5l)or l�) "' � � payments by Borro . ;�-� ..�..�. �.� p . ��'�, , ::.,•�. is insuPficient ta pay the item when due,then Barrower shall paY to l.ender any amaunt necesss►ry to make up the deficieney __ .,� .� ��=�"�:'� on or before the datc the item becomes duc. :_=; ��;,.�,.,�� : , As used in this Security Instrument,"Secretary"means the Secretary af Housing and Urban Development or his or her ;:�' designee.Most Securiry Instruments insured by the Secretary ure insured under prag�ams which require advance payment af -- � . ,, tf�e entire mortgage insurii e nppn aum�urance premiumnthen each monthly payment h II a l so inc lu d c it h er•(�tan instailment `-' L��"��` h' � advancc payment of the en S B oP the annual mongage insurance premtum to be paid by Lende�to the Secretary.or(ii)a monthLg charge Mstead oi a mort8aBe insucance premium iP this Sccurity lnsttunnent is I�eld by the Secrets�ry. Each manthly inytallment oi'the ntortgage insurancc � �1, " premium sh�ll be i�an amoum suP�cient to accumulate the full annual mortgage insurance premium with Lender one month -;-��ry _ ,.�•...-�;,'_:,�; . . - .;,; prior to the dace the full annuai mongaBe��suranw�e preiniutn is duc to the Secretary,or ii'this Security Instrument is held �'�,',• _, :�_:._--____ ' • �` by the Seccetary.each monthly char�e�hall be in a�amount equal to one-twelith af one-ha�`P��t of[he outstandinQ principal � _. .�':�•:':i � balance due on ahe Note. � _