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202503228 <br />to be paid under this Section. <br />B. Payment for Escrow Items. Borrower shall pay Lender amounts for Escrow Items unless Lender <br />waives Borrower's obligation to pay Lender for any or all Escrow Items. Lender may waive Borrower's <br />obligation to pay to Lender for any or all Escrow Items at any time. Any such waiver may only be in writing. <br />In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any <br />Escrow Items and, if Lender requires, shall furnish to Lender receipts evidencing such payment. If Borrower <br />fails to pay the amount due for an Escrow Item, Lender may pay such amount and Borrower shall then be <br />obligated to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items <br />at any time. <br />C. Escrow Fund. Lender may, at any time, collect and hold amounts for Escrow Items in <br />accordance with the Real Estate Settlement Procedures Act ("RESPA"). Lender shall estimate the amount <br />for Escrow Items due on the basis of current data and reasonable estimates of expenditures of future <br />Escrow Items or otherwise in accordance with applicable law. If there is a surplus of sums for Escrow Items <br />held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in <br />accordance with RESPA. If there is a shortage of sums for Escrow Items held in escrow, as defined under <br />RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount <br />necessary to make up the shortage in accordance with RESPA. Upon payment in full of all sums secured <br />by this Deed of Trust, Lender shall promptly refund to Borrower any sums for Escrow Items held by Lender. <br />7. Defense of Title. Borrower warrants and will defend title to the Property against all claims and demands, <br />subject to any encumbrances of record, or any action or proceeding purporting to affect the security hereof <br />or the rights or powers of Lender, and will pay all costs and expenses, including cost of evidence of title <br />and attorney's fees in a reasonable sum. <br />8. Charges. Borrower shall pay all (a) taxes, assessments, charges, fines, and impositions attributable to <br />the Property which can attain priority over this Deed of Trust; (b) leasehold payments or ground rents on <br />the Property, if any; and (c) community or association dues, fees, and/or assessments, if any. To the extent <br />that these items are Escrow Items, Borrower shall pay them in the manner provided in this Deed of Trust. <br />9. Liens. Borrower shall promptly discharge any lien which has priority over this Deed of Trust unless <br />Borrower (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable <br />to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith <br />by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to <br />prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings <br />are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating <br />the lien to this Deed of Trust. If Lender determines that any part of the Property is subject to a lien which <br />can attain priority over this Deed of Trust, Lender may give Borrower a notice identifying the lien. Within 10 <br />days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the <br />actions set forth above in this Section. <br />10. Property Insurance. <br />A. Type of Insurance. Borrower shall keep all buildings and improvements now existing or <br />hereafter erected on the Property insured against loss by fire, earthquakes, floods, hazards included within <br />the term "extended coverage," and any other hazards for which Lender requires insurance. The insurance <br />3/10 <br />